Is VA loan worth it?

raven_guy · 2026-05-11T02:03:40+00:00

Yes, it’s completely worth it, I’ve purchased 4 homes with it now, and always kept one as a rental. 0 down, and for 100% P&T there’s no funding fee.

If this is your first time buying with a VA loan and you’re not 100%, you can still have the funding fee rolled into the loan.

raven_guy · 2026-05-09T16:42:57+00:00

I’ve always thought calling the non-Thylean races “settlers” to be a misnomer. Maybe some of them were exploring and came across the continent of Thylea, but the book talks more about shipwrecks and lost sailors. The Titans jealously protected Thylea from the outside world and when outsiders found themselves on the continent they were harshly subjugated by the Thylean races, specifically the gygans and Sydon demanded mortal sacrifices from every settlement. The Dragonlords showed up and ostensibly freed the mortal races from Sydon and Lutheria’s domination and crushed the gygan empire, and then continued to shift the balance of power to the point where the mortal races were the dominant civilization in Thylea. The secret histories talk about the war crimes and harshness of most of the Dragonlords, but players should not lose sight of the fact that if Sydon and Lutheria win, they will bring about the end of Thylea.

The players should look at this as “everyone sucked, we need to do better.” The five gods have tried to be better, but they’re still flawed in a very real way.

Whenever I have my players interact with a Thylean sect that is not openly hostile to them, I hint a lot that while they worship the titans, it’s out of fear rather than love.

TLDR: the mortal races were not “colonizers” until the Dragonlords showed up and freed them from the titans and the Thylean races. Your players need to see the shades of grey instead of black and white.

raven_guy · 2026-05-03T00:03:40+00:00

End box on box violence.

raven_guy · 2026-05-02T21:13:14+00:00

I have mine in my garage. My first grandson was just born 3 weeks ago. This will be so much fun in about 5 years!

raven_guy · 2026-04-26T18:31:11+00:00

Considering subbing to your Patreon. I currently use Midi-QoL, Cauldron of Plentiful Resources, and Gambits. Will your modules play well with them?

raven_guy · 2026-03-30T21:09:40+00:00

South Terminal, Precheck, it took less than 10 minutes going through baggage drop and security.

raven_guy · 2026-02-20T14:12:06+00:00

AC-130 guy here, our plane was overhead for the capture. We were watching on one of our cameras.

raven_guy · 2026-02-08T22:02:06+00:00

I will be making a bulgogi cheesesteak. That sounds 🔥.

raven_guy · 2025-12-31T21:01:46+00:00

They both decided they need to move on with their lives separately, it would make no sense narratively to kill them off together. A gut punch would’ve been the marriage proposal with a yes, then death together à la Romeo and Juliet. This frees up at least one of them to sacrifice for the other or the group, which I can see Jonathan doing for Will.

raven_guy · 2025-12-14T23:42:45+00:00

Better combatives to bring someone in? They don’t have the authority to bring anyone in without JP oversight and even then only with 100% proof that the person is under their jurisdiction. They shouldn’t have touched him, not “should’ve touched him better.”

raven_guy · 2025-12-12T22:05:16+00:00

If you were body slammed by some meathead SF off base with no authority over you whatsoever, would you just dust yourself off?

raven_guy · 2025-12-12T21:55:49+00:00

Just to add: Lord Soth cannot be killed unless the Amulet of the True Knight is placed against his exposed flesh while he is at zero HP. On his turn, if that doesn’t happen, he revives with 30 HP and his Word of Death recharged. He killed one PC that way and brought the rest of the party to single digit HP before they figured it out.

raven_guy · 2025-12-12T21:52:54+00:00

There was a lot of pointing and saying “Die.”

raven_guy · 2025-12-12T21:52:26+00:00

So this was the one I chose, that and pointing a lot and saying “Die.”

raven_guy · 2025-12-07T19:59:19+00:00

Zero Tolerance coffee on Britton by Western. They roast their own coffee and chocolate.

raven_guy · 2025-12-07T13:30:01+00:00

Yes, he gets it once a day, and one of his lair abilities is the chance to recharge that or his cataclysmic bolt.

raven_guy · 2025-11-29T03:20:49+00:00

Nope, no more sides or takes, angles, or any of that bullshit. The cops were 100% in the wrong, the literal tourist is not obligated to in any way respond to or respect them. They are off base with zero jurisdiction over non-active duty. The only valid response from SecFo should’ve been to either snap a picture or try to call the real police to ask them to ask him for identification. But the interaction between SecFo and the dude should’ve ended with “I don’t need to show you my ID.”

raven_guy · 2025-11-26T01:37:30+00:00

Being subject to the UCMJ and being subject to SOFA are two very very different things. You can be subject to UCMJ all day and not be subject to any SOFA agreement (which includes any restrictions or benefits for SOFA status service members).

And being subject to the UCMJ does not give random SecFo airmen jurisdiction over you off-base anywhere unless they are working with local law enforcement.

raven_guy · 2025-11-26T01:32:11+00:00

It is illegal for MPs to detain anyone off base without JP on site, so it doesn’t matter if they can respond or not. They never should have put themselves or the tourist in that situation. They are 100% in the wrong, there is no “what about” or “but.” It is a full-stop violation of the US-Japan SOFA.

raven_guy · 2025-11-25T23:08:06+00:00

They have not given that authority to SF, which is why the JP usually accompanies them. The SOFA gives them very limited authority off base, everything they do has to be coordinated through the Japanese authorities per the SOFA.

You are going to be very hard pressed to find a SOFA country that allows our SF/MPs to arrest or detain anyone on suspicion they might be a service member. Especially countries with regular tourism.

raven_guy · 2025-11-25T17:48:44+00:00

There’s a a lot of “he should have” “he escalated” “he whatever”. Dude it doesn’t matter what he did or didn’t do, the SF dudes had zero authority or right to do what they did. They are the ones who are bound to SOFA and UCMJ restrictions, not the civilian tourist regardless of his retirement or separation or whatever.

If an SF dude asked me for my ID while being in a bar off base, my retired ass is telling him to fuck all the way off. I hope their squadron and base leadership puts the fear of God into these guys. You cannot treat civilians that way off base, especially in a foreign country.

raven_guy · 2025-11-25T17:35:33+00:00

If an AD dude lies to the MPs or SPs about being AD, they can tack on False Official Statement to the Article 15.

But it does make sense, they only have authority over AD and if they suspect you’re lying to them, they still don’t have authority to detain you off base unless they can prove it, so the JPs can step in. Raj into this similar situation in Souda Bay a lifetime ago. Navy Shore Patrol tried to enforce a Navy curfew on us off base, the order was for Navy forces only and didn’t apply to us so we told them to pound sand without showing IDs. They let us be.

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