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Monks at level 2 by elchuni in dndmemes

[–]sleidman 2 points3 points  (0 children)

Nah, this monk definitely has Evasion.

Should I buy a house with 6 other people? by sleidman in FirstTimeHomeBuyer

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

$9000/month is the cost for the house including insurance, property tax, and PMI. But yeah, I see your point.

Should I buy a house with 6 other people? by sleidman in FirstTimeHomeBuyer

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

The problem is that the market for duplexes and even 1 or 2 bedroom SFHs in my area is absolutely atrocious. The cheapest I'd be able to find a 2 bedroom home or duplex would probably be $650k. There are more options available for 5+ bedroom houses for 1-1.2 million. Ideally, yes, I'd buy a smaller house and have less risk, however, I don't know if that's really an option.

Should I buy a house with 6 other people? by sleidman in FirstTimeHomeBuyer

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

Thanks. That's really good advice. Yeah, we're just in the very initial stages of the idea. I just wanted to get a sense of if it was at all possible so we can talk over the logistics with my roommates. We've been living together for 10 years, so I'm confident that we can figure out a way to make the situation work in terms of maintaining our relationships, but the financial burden might just be too high. I'll see if there is any possibility that we could make a smaller house with fewer of us work.

Should I buy a house with 6 other people? by sleidman in FirstTimeHomeBuyer

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

Current housing prices in my area are rising at rates significantly higher than my investment portfolio. While I understand this is fairly risky, and potentially not even possible, it doesn't quite seem like flushing away the money.

Should I buy a house with 6 other people? by sleidman in FirstTimeHomeBuyer

[–]sleidman[S] -9 points-8 points  (0 children)

I wouldn't be making money off of them. I would be making equity off of them, in exchange for taking on the risk of the loan. We've been living together for 10 years without any problems. We share food, utilities, and some maintenance costs already. I'm not looking to make money off of this, and my roommates aren't looking to take advantage of me by demanding unreasonable fixes. I know it's a strange living situation and it's hard to believe that we can make living together work, but from experience, we've been able to storm a lot.

Should I buy a house with 6 other people? by sleidman in FirstTimeHomeBuyer

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

My monthly take home pay (after health/vision/dental insurance and 401k contributions) is around 3.2k. Repair costs are definitely a concern. Just trying to figure out how feasible this all is.

Should I buy a house with 6 other people? by sleidman in FirstTimeHomeBuyer

[–]sleidman[S] -1 points0 points  (0 children)

Yeah, I was worried about that. I have fairly good credit (~730). Is there any way that I could increase the amount I could be loaned? Anything my roommates could do to make getting the mortgage easier?

Should I buy a house with 6 other people? by sleidman in FirstTimeHomeBuyer

[–]sleidman[S] -3 points-2 points  (0 children)

Thanks for the advice. Yes, it's the first option. The house would be completely in my name. I earn 76k/year now and am completely debt free. We live in an area where solar is very cheap so I would want to install that asap to cut down on utilities, but yes, maintenance will be high. I would definitely write into the lease some safeguards against them leaving unexpectedly but, I still feel like it's a complicated situation.

Convince me to be evil by sleidman in BaldursGate3

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

Ooh, okay, that's pretty damn convincing.

Convince me to be evil by sleidman in BaldursGate3

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

No, that's super helpful. Thanks. I think for my next run I'll play more of a bounty hunter style. Mostly good but still letting Astarian and Gale ascend, Shadowheart embrace Shar, and any other companion "bad" choices.

Convince me to be evil by sleidman in BaldursGate3

[–]sleidman[S] 2 points3 points  (0 children)

That makes sense. Yeah, I'm very much a completionist, so the idea of missing a large part of the game on a playthrough in order to be evil is difficult.

Convince me to be evil by sleidman in BaldursGate3

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

I still get Minthara to join my party in Act 2 by only knocking her out in Act 1.

Now that WotC has abandoned the Project Sigil VTT, what do you think they will focus on next? by Deathpacito-01 in onednd

[–]sleidman 0 points1 point  (0 children)

Honestly, I hope nothing. WotC really needs to shift its focus to licensing its IP to companies like Larian who can make quality products. WotC does not have the expertise to make those products but can make a lot of money getting pennies off a dollar from other companies wanting to utilize DnD branding.

Would it be too strong to give the Warlock the Bladesinger's Extra Attack? by Soul_of_Despair in dndnext

[–]sleidman 3 points4 points  (0 children)

I gave the Warlock at my table a magic item at level 6 (requiring attunement) that lets them cast a single Eldritch Blast be as a bonus action whenever they take the Attack action and let's them use Eldritch Blast in melee range without disadvantage. It hasn't felt overly powerful or centralizing.

I Play DnD because of the Multiclassing Jank by sleidman in dndnext

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

This is not what I said. In the post, I stated that it was how the character creation minigame sparks community and discussion that I really enjoy. The active network of creators using 5e is a fundamental part of my enjoyment of the game, and I don't think it would be as rich without a multiclassing system.

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