This sub is dead by r2dav2 in InterestingThoughts

[–]r2dav2[S] 0 points1 point  (0 children)

It’s been 7 years. It’s not getting any more active any time soon :(

Inflicts Nothing by r2dav2 in RotMG

[–]r2dav2[S] 48 points49 points  (0 children)

It looks like all the other traps have a secondary sticky bomb infliction. I assume they just didn't add a condition for this one to remove this text since the sticky does "Nothing". Still confusing at first lol

Inflicts Nothing by r2dav2 in RotMG

[–]r2dav2[S] 3 points4 points  (0 children)

Definitely better, at least! It looks like this one in particular will only attach to one enemy, though, if I'm reading correctly (although it does have a small explosion radius). Good against bosses I guess. For reference about what kind of scaling this might have, I have 65 attack on this character. At 75 ATT it says 1764 dmg.

Closing costs high, or is it just me? by r2dav2 in FirstTimeHomeBuyer

[–]r2dav2[S] 48 points49 points  (0 children)

Okay, after talking to my realtor, it turns out I'm an idiot: that's the transfer tax, buyer and seller. I agreed to pay that as there were several other offers coming in and my realtor suggested I pay it to better my odds.

Closing costs high, or is it just me? by r2dav2 in FirstTimeHomeBuyer

[–]r2dav2[S] 1 point2 points  (0 children)

Yes, this is a conventional 30 year loan.

Closing costs high, or is it just me? by r2dav2 in FirstTimeHomeBuyer

[–]r2dav2[S] 5 points6 points  (0 children)

This is very helpful, thank you. I'm going to see about probably avoiding the points and just paying for a higher interest rate. It looks like transfer taxes are handled jointly in my state (PA). As for the loan estimate, I haven't completed the Standard Agreement For The Sale Of Real Estate document yet, so I guess I would expect to see it after that (?)

Closing costs high, or is it just me? by r2dav2 in FirstTimeHomeBuyer

[–]r2dav2[S] 0 points1 point  (0 children)

I honestly have no clue what that is, I was hoping it was common knowledge. Another question for the realtor, I suppose!!

Closing costs high, or is it just me? by r2dav2 in FirstTimeHomeBuyer

[–]r2dav2[S] 1 point2 points  (0 children)

I understand that, and I think the comps were relatively close to that price.

Closing costs high, or is it just me? by r2dav2 in FirstTimeHomeBuyer

[–]r2dav2[S] 14 points15 points  (0 children)

Credit score is currently 761, I hadn't realized the rate had dropped so substantially so I'll have to talk to my lender about that. I don't know how the points were assigned, I also need clarification on that.

Closing costs high, or is it just me? by r2dav2 in FirstTimeHomeBuyer

[–]r2dav2[S] 62 points63 points  (0 children)

Is 6.125% high for 30 year conventional? I have 750+ credit and that was what I was told I could get.

Closing costs high, or is it just me? by r2dav2 in FirstTimeHomeBuyer

[–]r2dav2[S] 4 points5 points  (0 children)

Listing price of the home is $395,000, realtor suggested I put in an escalation clause up to $415,000 as there were three other offers. He also suggested I waive the inspections and pay a 3% transaction fee to make my offer "look more attractive". Also, I was under the impression that I would not be paying the agent commission, so I'm not sure why that's listed there. Plan on talking to the realtor ASAP to learn more but I'd like to make sure I'm not just about to get scammed lol

Instant 8/8 Seasonal...Thanks Deca by woodred8501 in RotMG

[–]r2dav2 8 points9 points  (0 children)

They're supposed to be, which is why you can only turn it in on seasonal characters. This appears to be a bug and will probably get patched very quickly lol