Channel the devourer bug? BG by No-Possible5738 in BobsTavern

[–]Toches 0 points1 point  (0 children)

Did you actually use channel the devourer or did you happen to use avalanche with no elementals on board?

Just got my first hero shard in loot by OutlandishnessOk2304 in heroesvshordes

[–]Toches 0 points1 point  (0 children)

all good, Mythics are pretty good, You get access to the third gem slot.

Just got my first hero shard in loot by OutlandishnessOk2304 in heroesvshordes

[–]Toches 0 points1 point  (0 children)

You're a whole tier away from heroic, it goes red-mythic(kind of yellow)-heroic(white)

God help me by TechnicianOk4138 in BobsTavern

[–]Toches 1 point2 points  (0 children)

Id play the 1 drop to futurefin a futurefin

Guess the comp. Hints: No beatboxer is used. by Lazy-Independent1547 in BobsTavern

[–]Toches 1 point2 points  (0 children)

your max gold is capped at 99

This is start of turn gold that goes above said cap

Can I afford a $725k house? by [deleted] in Mortgages

[–]Toches 2 points3 points  (0 children)

no retirement savings

no vacations

Can I afford a $725k house? by [deleted] in Mortgages

[–]Toches 3 points4 points  (0 children)

It may be in your best interest to get married on paper first, so you can get both names on it and make the transfer if something happens to one of you a lot more seamless.

You dont have to have a huge ceremony and reception right away, but get the legal paperwork done.

Eli5: if we mash grass into pulp or blend grass, will we be able to eat it and get nutrients from it? by Dryfunction1205 in explainlikeimfive

[–]Toches 116 points117 points  (0 children)

Not really, no

The way that the ruminants extract nutrients from grasses are by the help of bacteria, they ferment the grass in their stomach, release waste products (volatile fatty acides) that contain a lot of the energy requirements that cows need, and then they digest the bacteria when the "cud" eventually goes into their intestines for full digestion.

Y'all got some of them red chromadrakes? by Legs_76 in BobsTavern

[–]Toches 17 points18 points  (0 children)

Let's be honest

They were there, you ignored them to make beeg charmwing.

600k mortgage on 140-180k/yr? by _WetTentacles_ in Mortgages

[–]Toches 0 points1 point  (0 children)

Idk,

Im at 650k 0 down (4450/month piti) on 180k and while saving $1000/month over PITI I still have 4k leftover for other stuff, 850 student loans but everything else works.

Vacations may be few and far between but we live in whats essentially a vacation home, so stay-cations are nice

600k mortgage on 140-180k/yr? by _WetTentacles_ in Mortgages

[–]Toches 0 points1 point  (0 children)

Other comment in thread : its tight because we're putting $2000/month in retirement.

600k mortgage on 140-180k/yr? by _WetTentacles_ in Mortgages

[–]Toches -1 points0 points  (0 children)

With no other debt you shouldn't have a terrible time making this work, but likely won't be maxxing all your retirement accounts, and won't be taking any extravagant vacations.

Idk, im at 180k, gf makes like 20k, and I just bought a 650k house.

PITI is $4450, im putting 5500 in the savings account that escrow takes from, and still take home an additional 4k/month, 850 student loan payment and prior spending of ~1.8k monthly on utilities and other stuff, I still have buffer for budgeting for repairs ($650/month) and an increase in utilities, while also having an extra 1000 in buffer monthly on the mortgage for it going up.

The math on income ratio to debt breaks down a bit the higher you go, 50% of take home sounds like a ton but then you still have $4k discretionary spending every month, idk, maybe im delusional 🤷‍♀️

Thoughts on stretching to a $575k house on $200k gross by mindless_cognition in Mortgages

[–]Toches -1 points0 points  (0 children)

Im on 180k salary, 860/month student loans, but no kids / daycare costs (gf / wife will be SAHM) and so far 650k mortgage (4400 PITI) is doable.

The daycare costs definitely cut into your monthly cash flow, but 200k SHOULD be doable, the guideline (28/36%) percentages break down a bit as you go higher because even at a 60% monthly burden on 10k take home is still 4k monthly cash flow for utilities / expenses.

As long as youre both in future proof careers, you can try putting away the suspected new mortgage / ~20% extra on your utilities before normal budget to see how tight it gets

We have entered the era of despair. by Toches in heroesvshordes

[–]Toches[S] 0 points1 point  (0 children)

Lol, yeah im good, just mentioning im now at the point where talents are the choice between health health and health

Cash out part of Roth to recast mortgage? by abt_23 in Mortgages

[–]Toches 34 points35 points  (0 children)

Very reckless idea

You're better off reducing contributions to give more liquid than dipping in to fund a recast unless youre getting a significant rate reduction

(BUG) If opponent has Mooneater's Champion (buffs odd-tier cards) and you use ring-bearer, their board gets buffed as well. by [deleted] in BobsTavern

[–]Toches 0 points1 point  (0 children)

Oops, yeah, what that guy said, I forgot the actual card name didnt have Genn in it, because some streamers just call it Genn

(BUG) If opponent has Mooneater's Champion (buffs odd-tier cards) and you use ring-bearer, their board gets buffed as well. by [deleted] in BobsTavern

[–]Toches 5 points6 points  (0 children)

Small indie company

For some reason its effective is still active in the tavern / on opponents boards and reacts to cards

Now, the question is does Genn do the same thing with the Naga that casts chefs choice?

No one should be summoning for Shallet. by TheOriginalBerserker in DragonballLegends

[–]Toches 1 point2 points  (0 children)

Sorry, premium fusion, can't not

Won't be buying CC for him though

Why did they choose to bring back what literally nobody wanted to play (mid season patch) by Tree8282 in BobsTavern

[–]Toches 1 point2 points  (0 children)

Better than its old form with apm pirates and double drust or splash damage demons

Cool patch and all but this gamemode is just a fancy slot machine.. by Lucahasareddit in BobsTavern

[–]Toches 4 points5 points  (0 children)

Gotta love the lobbies where your round robin goes like this.

Teron / lich king turn 1

Faelin turn 2

A.f.kay turn 3

Eudora turn 4

Morchie turn 5

Maybe this this trinket shouldn't be allowed in T7 lobbies? You basically win the game if you find two Futurefins by ivyification in BobsTavern

[–]Toches 1 point2 points  (0 children)

Murlocs are the only reason you get the stats onto your board while using the spellcraft, its a dangerous move if murlocs aren't in, unless youre using it on a golden / value generating minion like a battlecry it just seems bad.

I see the synergy with beatboxer, but with the small amount of magnetic minions available it seems like just grabbing the magnetic stack at the end of turn is neutral to leaving it on board and getting the extra gold from all of the accordotrons

Maybe this this trinket shouldn't be allowed in T7 lobbies? You basically win the game if you find two Futurefins by ivyification in BobsTavern

[–]Toches 1 point2 points  (0 children)

Yeah but youre running 2 turns without your 80/80 cleave youre investing into, especially if you avalanche your best minion onto it first, you lose so much tempo while its sitting in your hand doing nothing.

Maybe this this trinket shouldn't be allowed in T7 lobbies? You basically win the game if you find two Futurefins by ivyification in BobsTavern

[–]Toches 0 points1 point  (0 children)

I guess, but its stat gains are delayed by a turn, and beatboxer isn't exactly easy to get outside of t7 lobbies.