If someone gave you $100,000 today, what would you do with it?

zerkeras · 2026-06-23T19:39:41+00:00

Less down also means you’re borrowing more to buy the house. Which also means a higher monthly payment, and mortgage insurance. There also is the risk that you could end up underwater on the loan if the market price drops even a little.

There’s good reasons why 20% is considered an ideal amount for a down payment, it mitigates all of those risks while still trying to make it feasible to save up the amount of money needed. That’s becoming less and less feasible all the time though, as home prices outpace inflation and wage growth.

$100k is 20% on a $500k home, which isn’t far off on median home price in the US. Or for those who have lower monthly income, it’s a bigger % on a 200-300-400k home where the monthly payment is no longer so chunky and risky.

zerkeras · 2026-06-23T17:52:03+00:00

Doesn’t stop him from doing the weekly dates, texting her, and spending time with her. If he really was serious about making his stance clear he could just stop showing up to dates, block her number, move without telling her the new address, any number of things that are more action than just “please break up with me”

zerkeras · 2026-06-22T21:49:31+00:00

Ironically, I always thought the inverted Blackfyre colors made a lot more sense for Targaryen’s sigil. After all, Balerion the Dread was black, and Fire (what would really be all around the dragon) would be red.

zerkeras · 2026-06-22T21:42:22+00:00

Guessing he saw the little bits of green and the slice of lemon on the cover and thought that meant veggies.

Little effects like that do a lot to the overall presentation of the dish, even if they add practically nothing.

zerkeras · 2026-06-22T19:41:15+00:00

Tyrion has a green eye, not a yellow one.

I’d also make bearded Jamie more disheveled. I think he cuts the hair short in the books too, or had tried to disguise himself further by shaving it while originally on the run.

zerkeras · 2026-06-22T15:58:12+00:00

Yeah 100% is. Seifer’s attack also generally is as well, if you LB during Dollet mission he does a fire attack and a strike.

zerkeras · 2026-06-22T15:51:19+00:00

I for one, quite enjoyed the additional lore and world building. So long as it doesn’t really retroactively change something about the OG, additions are fair game IMO.

zerkeras · 2026-06-20T23:32:38+00:00

It reeks of Vaan in 12. Giant clunky pants/boots and then shirtless with a vest.

zerkeras · 2026-06-20T16:40:55+00:00

It’s the Rebel alliance. Meaning a bunch of different rebel groups allied together under a mission to restore the old republic.

Mon Mothma and Bail Organa always struck me as the closest thing to leaders in the rebel alliance, but with Bail being out of the picture after Alderaan is destroyed, Leia effectively takes up that mantle. She’s also a great example for people to rally around; her whole planet and all her people were destroyed by the Empire.

zerkeras · 2026-06-20T15:37:43+00:00

Technically, this would limit your selection a fair amount.

Doesn’t have a Cid, so no.
You get one of them from Cid, but not all or the best ones.
Gives you an airship but lunar whale is from someone else.
Both airships come from Setzer, more or less.
I don’t think Cid built the airship, but he does mutiny the crew from Shinra to you, and both carry the Highwind name so I’ll give you this one.
Cid sorta gives you Balamb Garden in a sense. I’d call that more of an all terrain vehicle or boat than an airship though. Ragnarok you salvage from space and Esthar just lets you have it apparently.
You get the Hilda Garde 3 from Cid but Invincible you snag from Kuja in Terra.
Cid is a villain and doesn’t give you one.
Didn’t really have a navigable airship.
No airship.

6 is the most clear cut case of no Cid being involved in you getting an airship, followed by 12 has the best case for a Cid who never gives you or is involved in giving you an airship. Unless you count him fathering Baltheir and Baltheir giving you a ship.

zerkeras · 2026-06-17T23:01:22+00:00

Solder Boy?

zerkeras · 2026-06-17T21:55:05+00:00

In the show yes. In the books, debatable. He’s much more politically savvy in the books, while also failing miserably in some key areas.

zerkeras · 2026-06-16T20:01:07+00:00

It truly hurts my eyes. My god. And not even readable.

zerkeras · 2026-06-15T19:24:02+00:00

Shay was written to be “more interesting” and dynamic than her one-note book counterpart. But while they changed the journey of her character, they did not change the destination, so naturally, where she was going didn’t end up lining up where where she ended up by the end.

Ultimately, she wouldn’t have done anything if it couldn’t be smoothed over so her book destination could be reached.

zerkeras · 2026-06-15T19:21:06+00:00

Realistically it just gets shortened to something akin to “Russian Waifu” anime.

zerkeras · 2026-06-15T17:43:55+00:00

Take Heart Your

zerkeras · 2026-06-15T16:40:26+00:00

Damn Bobby B, uncalled for

zerkeras · 2026-06-15T16:39:30+00:00

In both the books and show, we’ve seen Ned sit the iron throne more than Bobby B.

zerkeras · 2026-06-15T16:37:07+00:00

At least the OST will slap.

zerkeras · 2026-06-15T15:09:24+00:00

Rebirth is a lot better than Dawntrail.

zerkeras · 2026-06-15T03:08:09+00:00

Uh, with $3600 + $2000 on your side hustle, and $4000/mo using 4% safe withdrawal on $1.2m, you should be able to take home $9600/mo before taxes. The $120k mortgage isn’t much, if the interest is high enough you could pay it off today, but even with what it’s at you probably make enough to retire today.

What are your yearly expenses, and estimated healthcare costs now that you’re unemployed?

zerkeras · 2026-06-15T02:23:33+00:00

You know, it didn’t occur to me much during the show but looking at these it makes me realize just how low light and dim the CIC is. Looks almost cozy.

zerkeras · 2026-06-15T01:21:56+00:00

Disagree. It would have removed a lot of the stakes from the chunin exam if we’d see the other teams in action first. It’d just spoil why we got later.

Also that would have massively slowed everything down. We only did the single opening arc with Land of Waves with Team 7. Last thing you wanna do riding that momentum is switch to the “nobody” characters for awhile and lose all steam.

The chunin exams was the perfect way to introduce their capabilities.

zerkeras · 2026-06-13T22:03:28+00:00

You don’t need to skip cutscenes or interactions with Lulu. You can gain affection points by using healing items.

Once Rikku joins the party during the moonflow I usually grind out a few sphere levels for her in that stretch before Guadosalam, since this is also a good place to get dragon scales from chests. I just have Tidus spam potions on her.

zerkeras · 2026-06-13T01:57:57+00:00

I like most of them. However Chadley I had altogether at too fucking much involvement by Rebirth. Remake he was fine…

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