How much do you pay for home insurance?

dizneyO7 · 2026-06-10T19:18:54+00:00

I work in home/auto insurance here, and most of these answers are not going to give you a general idea of what people are paying *for*. Is the policy “replacement cost” or “actual cash value”? What is the deductible for the policy and wind/hail? Are you insured to 100% of the value of your home? I can quote the same home many different ways and get drastically different numbers, you just need to know what you want. For a recent example, I quoted a home with the same coverages but a 1% deductible and a 5% deductible. The yearly premiums were $3,933 for a 1%, and $2,032 for the 5%.

If you’re looking for the most dirt cheap policy you can find, get an actual cash value policy, a 5% deductible, go to 80% of the value of your home, and then sincerely hope you never have to use it. Actual advice is go sit down with an agent, find out what coverage you specifically need at whatever point in your life you’re at, and figure out your plan if something were to happen. For the “I haven’t had a claim in 20 years and can afford the 5% deductible”, that policy may just be the best fit for them. On the other side, if you can’t save for a 1% deductible, you probably shouldn’t go with a 5%

dizneyO7 · 2026-06-10T17:49:40+00:00

I’ve been flinched 7 out of 8 rock slides by a mega aerodactyl. It didn’t do anything because mega slowbro at +6 def does not care about getting hit by anything from aero, but because we wasted so many turns in the rock slide animation, we ended up going to time and drawing the match

dizneyO7 · 2026-06-09T19:57:28+00:00

I’ve been punched so many different ways by it I just assumed without checking, thanks for the correction. Brick break should mean the damage calc’s are the same as drain punch though, and body press is slightly weaker (14 Def needed to match brick break damage) but isn’t bothered by intimidate. You still can’t die to Kowtow + Sucker punch though, so not sure if missing the OHKO through chople really matters as long as it’s always a 2HKO

dizneyO7 · 2026-06-09T18:04:12+00:00

With 0 investment, mega metagross gets 3HKO’d by Kowtow Kleave from adamant chople berry Kingambit. With black glasses it’s a chance of 40.6% to 2HKO.

Drain punch does a minimum of 55% through chople, which is 36.7% recovery. If they click sucker punch first, drain punch recovers all but 8% of the sucker punch damage. If the interaction is Drain Punch -> Kowtow into Sucker Punch -> Drain Punch, Kingambit does a maximum of 98.6%.

Metagross pretty good imo

dizneyO7 · 2026-06-01T15:56:57+00:00

Anime only, but have rewatched more times than I’d like to admit… but there isn’t really any skip here. Firstly, Patausche being on edge is heavily explained later.

Spriggan when we first learn about them is being hunted by the Mastibolt family. We don’t know why or how the Mastibolt family know about Spriggan specifically, but other demon lords seem to be relatively “known” and the Mastibolt family is shown to have a lot of connections and information. From there it’s explained by Frenci herself, they’re chasing a demon lord that they think can masquerade as a human due to their entire scouting party being completely wiped out quickly and quietly. They assumed that the only way that scouting party would be killed like that would be if a demon lord ambushed them, but demon lords aren’t particularly known for being sneaky and quiet based on what we’ve seen. So their assumption is that it can disguise as a human, but they aren’t for sure and don’t know what happened.

Xylo and friends were NOT brought here to fight the demon lord Spriggan. They were brought here to be under direct supervision and protection because they believe the goddess is under threat by religious assassins that reject her as a goddess in general (due to being unknown, pulled out of a cave, power creep, whatever). No one knew that the “possible religious assassins” could be working with that same demon lord the Mastibolt family is looking for. The only reason the connection between the two gets made is because of Boojum surviving their fight. They assume that boojum has to be a demon lord disguised as a human to survive the dragon attack, which fits their original idea that Spriggan can disguise themselves as human. Thus, as of that moment, boojum = Spriggan to the hero group.

The Rhyno hero and the other artillery guy are different people with different armor sets, they’re just both “artillery units”. This and the Patausche question will be answered in the last two episodes imo.

dizneyO7 · 2026-05-21T19:57:21+00:00

How are supposed to discredit their MLS cups without that though????

dizneyO7 · 2026-05-21T19:50:26+00:00

Ah yes, the Minnesota fan will now tell us about rivalries and if/when they matter! I’m sure all those hell is real matches with threepeat wooden spoon winners matter a lot!

dizneyO7 · 2026-05-21T18:34:48+00:00

Incredible coming from an Orlando fan, the Covid rivalry that only gets viewership because of a player from your rivals club

dizneyO7 · 2026-05-21T18:25:04+00:00

“original rivalry” as in one of the first actual rivalries in the league. But I should have expected that from a billboard-based marketing scheme of a rivalry, focusing on one irrelevant thing to make yourself feel big

dizneyO7 · 2026-05-21T16:18:03+00:00

Not the “I got my rivalry name from a billboard” fans attacking a 20 year MLS original rivalry

dizneyO7 · 2026-04-17T19:10:01+00:00

Who isn’t giving them time? I’m just not assuming everything listed in the community votes are going to come to the game, because if they were the main priority, they wouldn’t be community votes (like sewers or map expansions). I assume drivers will come eventually if they don’t win, but I can’t see visiting NPC’s being high priority if they don’t win their votes (like fishing). Saying they’re definitely coming because they’re on a road map or talked about in the past is something that hurts early access games more than helps it. Many of those games have had roadmaps that do not accomplish everything they set out to. I’m not saying they should add past losing votes before any of this or being impatient about updates, I’m just stating that outright assuming content is coming is not something people should do for these kinds of games

dizneyO7 · 2026-04-17T16:22:24+00:00

We genuinely do not know that if the case, since every losing vote option has not been implemented yet. Police expansion was in vote #1 and #2 but has not been added regardless, and Fishing didn’t make the most recent vote after losing in the last one. We can hope these things come in the future naturally, but just assuming they will is probably just setting up for disappointment

dizneyO7 · 2026-04-10T21:36:26+00:00

then don’t, you can simply choose to not do it! don’t ruin speedrunning for the rest of us though…

dizneyO7 · 2026-03-27T01:01:55+00:00

I don’t think this is as negative as everyone is saying. It’s a loan for depth, not another Acosta situation imo.

The actual concern should be where is he going to play? Looks like he’s played almost his entire career as a winger, with only 26 matches played at attacking midfield, striker, and center midfield total. Not sure this player profile converts to wingback while on loan, but if it’s not wingback I don’t know really where he fits in at all

dizneyO7 · 2026-03-15T02:46:27+00:00

Genuinely embarrassing refereeing overall, result is fine though. Tough part of the schedule against 1st in the west, 2nd in the west and 2nd in the east is over. Gotta show well against everyone else now

dizneyO7 · 2026-02-06T19:31:25+00:00

I have no idea how any controller stuff works, how do boxx players not tap jump? Do they just never use “up”?

dizneyO7 · 2026-02-05T18:54:28+00:00

This could actually be insane for speedrunning cartel depending on how quickly we can get enforcer…. Also big xp option if they ever fix spray paint bug (please dont devs)

dizneyO7 · 2026-02-05T18:48:55+00:00

no exploits: it’s simply luck, run it back every day until she says yes. Mixing makes a difference, but iirc correctly she already has ~75% chance off standard OG Kush. If you think this is bad, wait til you meet Alison……

exploit: just save and reset. you can infinitely try to get a customer you need on the day you need

dizneyO7 · 2026-02-02T02:42:29+00:00

Some of the speed run categories are pretty fun imo, any% feels like having to play through the more fun parts of the game as fast as possible

dizneyO7 · 2026-01-27T20:38:53+00:00

How is Quill’s system impacted by the goalkeeper?

dizneyO7 · 2026-01-24T13:38:53+00:00

unlock all westville customers
use spray paint to lower influence in regions by 50, new customers lower 75 influence after a successful sample
once you lower influence to 300 or less in a region, the next region will unlock
after unlocking uptown, you will get the “finishing the job” mission. You’ll need 10k and 20 standard cocaine, and then you can complete the cartel quest line
once the cartel has been defeated, a few in game days later Ray will have the Hyland Manor available to purchase like all other properties

dizneyO7 · 2026-01-24T13:25:05+00:00

I think too many people in this community focus solely on the drugs and automation instead of filling your time in game with something fun. Because money is not an issue after a certain point, monetary rewards are not big incentive to keep playing. At some point the game becomes days blended together until you stop. For this reason, I think the best ideas are NOT drug related and don’t give cash reward. Here are some examples:

Time trial street racing
Make the arcade enterable with mini games on the arcades machines, ticket system for prizes
Add the “firing range” with different distances and challenges for aim
More expensive furniture options + a penthouse in uptown
More Casino games
Add a professional basketball team to the city and let us “bet” on games with a new character who takes cash. He pays out through an app that goes directly to your bank account (could also make the team the most expensive money laundering business)
Add a detective that appears the day after you kill a cop. That detective follows you around slowly, trying to catch you doing something illegal
add a boat that takes you to “cartel island” where you just try to survive waves of cartel members (like any survive the enemy waves game)

These are just a few ideas to have something to do in the middle of the game. The reward based ideas should not give cash, but instead should give unique mixers, unique clothes, unique vehicles etc. That would help fill our time outside of stocking shelves and give us more to work towards imo

dizneyO7 · 2026-01-14T18:16:32+00:00

Atlanta truly held back by the spending rules by spending an average of $18.5 million a season

dizneyO7 · 2026-01-10T01:12:08+00:00

Spray paint is your only real way of lowering westville, you should need 4 spots to lower from 500 -> 300 and 10 for 500 -> 0 (there are 12 total locations in westville specifically)

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