#because they are SO INTERESTING
Explore tagged Tumblr posts
sillyruna · 2 years ago
Text
Tumblr media
Please add onto this if you have anything to add, im literally obsessed with games that do this
324 notes · View notes
topazadine · 11 months ago
Text
horny for my male original characters. but in a lesbian way
3 notes · View notes
bixels · 6 months ago
Text
As gen-AI becomes more normalized (Chappell Roan encouraging it, grifters on the rise, young artists using it), I wanna express how I will never turn to it because it fundamentally bores me to my core. There is no reason for me to want to use gen-AI because I will never want to give up my autonomy in creating art. I never want to become reliant on an inhuman object for expression, least of all if that object is created and controlled by tech companies. I draw not because I want a drawing but because I love the process of drawing. So even in a future where everyone’s accepted it, I’m never gonna sway on this.
48K notes · View notes
icewindandboringhorror · 3 months ago
Text
(also feel free in the tags to clarify Why you made the choice you made!! :0c)
#polls#tumblr polls#For me I think the top ones would be the House. The Money. or the Friend Group. But I ultimately might would go for the house#JUST becuase it would be my Dream House which means it would already meet mostly all of my specifications#and what I might be looking for. which would save a lot of time searching or customizing/rennovating.#Also because I could use that as a way to leave the US lol.. like .. if I get to choose my dream location.. couldnt I just choose some othe#country?? But I wonder how that works. Can you legally 100% have full ownership of a property in a country yet not be a citizen of that#country?? Would you show up and be like 'erm.. i own this house.. so i shall now live in it' and theyd be like 'uh no. you cant live here#despite owning the house. leave.' ??#So I think the initial process of 1. scraping together funds to actually MOVE myself and my most valuable belongings physically#TO another country. and 2. figuring out how to STAY in that country . might end up being difficult.. BUT. if I could just work that#part of things out then.. dream house?? security for once in my life?? stability?? :0#Though the $1mil is enticing it's also like.. I feel .. with the way housing prices are now... that's not much???#it's a lot I guess if you plan on like.. investing half the money and staying in an apartment for 5 years while you grow your wealth#or something. but if you're a 'I Need Stability NOW' ready to settle down person who would be most interested in owning a property rather#than nice clothes or a car or whatever other investments you could make then.. eh..?? It seems like unless you're okay with living in#a small town or kind of far away from the city - even some SMALL houses in majorly populated areas in the US will be like#$600.000 - $900.000 or something. like that would be MOST of my money. Which I know you could just pay partially and make#payments on it but idk.. in the option of just outright owning the house it seems like it'd end up being cheaper.#Plus I would want to own it fully asap because I'd be afraid of losing it somehow otherwise. like it being taken for medical bills or#something. which I thought was supposed to be - not IMPOSSIBLE - slightly more complicated legally if you actually have#paid off the house in full. I guess the issue then would be utilities and property tax and such. But I feel like thats overcome-able??#Like I could just stipulate that my Dream House has a little furnished addition or something and then find someone#with money and be like 'Look you can live in this extremely nice area with amazing ameneties and updated everything and ALL you have#to do is give me money to cover the utilities and property tax.'' or something like that. Like the little furnished addition is nicer#than the actual house. they have their own pool and spa and movie room or something and Ill also cook all their meals for them#or whatever (how luxurious it would be depeneds on how high the property tax actually is/how much I would need to entice them into#why it's a good deal for them to pay it for me lol). idk... something like that.. ANYWAY#I asked a few people I know though and one of them answered they'd rather have a romantic partner. the other one said they'd like#to be able to choose someone to die lol.. So I'm curious what people value the most
20K notes · View notes
inkskinned · 1 year ago
Text
please i love you i'm begging you bring back suspension of disbelief bring back trusting the audience like. i cannot handle any more dialogue that sounds like a legal document. "hello, i am here to talk to you about the incident from a few minutes ago, because i feel you might be unwell, and i am invested in your personal wellbeing." "thank you, i am unwell because the incident was hurtful to me due to my childhood, which was bad." I CANT!!!!
do you know how many people are mad that authors use "growled" as a word for "said"? it's just poetics! they do not literally mean "growled," it's just a common replacement for "said with force but in a low tone." it's normal! do you hear me!! help me i love you please let me out of here!!!
84K notes · View notes
exhausted-undead · 9 months ago
Text
Tumblr media Tumblr media
she... oh I love women :')
23K notes · View notes
valefiles · 4 months ago
Text
‪a few chapters into sunrise on the reaping and the conclusion I’m coming to is that while katniss keeps *a lot* to herself, 16 year-old haymitch was a chronic oversharer. he dropped in ONE chapter more of the entire district’s lore than she did in 3 books
9K notes · View notes
mike-png · 1 month ago
Text
Tumblr media
Pre-vampirism Armand/Arun
5K notes · View notes
herenvibing · 3 months ago
Text
a minor headcanon that I will die defending is that reigen initially assumed that mob’s supposed “psychic powers” were just how he rationalized his autism to himself. like here’s an obviously autistic kid, one reigen clocks immediately because he’s, well, reigen, and he’s talking about extra sensory perception and having powers he can’t control, powers that are scary. obviously, he assumes, this is something the kid picked up from his parents, a way for him to rationalize his alienation from other children— that no, you’re not “different”, you’re special (not even going into the parents who think their autistic children are like, aliens) and the other kids can see that you’re special and so they treat you like you’re weird and creepy and they don’t invite you to play and they whisper behind your back but it’s fine, because one day they’ll see how special you really are. and adult autistic reigen arataka, who was also probably-definitely bullied as a child, decides to nip that thought in the bud and gives the whole spiel, that no, “psychic powers” (autism) don’t make you special, and yes, they do make you different, and that’s fine because everyone’s different, and at the end of the day you have agency and you get to decide the kind of person you’ll be, so choose to be a kind one, and he sees this kid hanging off his every word as he tells him the kind of stuff he wishes someone had told him when he was so little and alone, and he mentally pats himself on the back and hypes himself up for another cigarette.
and then the kid makes a teacup float in front of him and he’s like oh. damn. can you kill ghosts
7K notes · View notes
noodles-and-tea · 10 months ago
Text
Tumblr media Tumblr media Tumblr media Tumblr media
Continuation of this
10K notes · View notes
pangur-and-grim · 5 months ago
Text
Tumblr media Tumblr media Tumblr media Tumblr media
I got to see the @noodlebutts creatures! it's impossible to explain how small they are, they don't look like real animals in person
6K notes · View notes
enidtendo64 · 25 days ago
Text
Tumblr media Tumblr media Tumblr media Tumblr media Tumblr media Tumblr media Tumblr media
TW: Heavily implied Child Abuse
Stowaway AU where Pacifica becomes a stowaway on the Stan-O-War 2 after trying to run away from home to California. Things don’t exactly work out as planned, but at least she’s got a “Summer Internship” away from her parents now!
4K notes · View notes
wanderingibon · 8 months ago
Text
Tumblr media
anya deserved so much better
8K notes · View notes
phantomrose96 · 2 months ago
Text
Actually I have a post I want to make about Property Value.
Which is a topic that comes up a lot in discussions of rich people hoarding wealth, in NIMBY panics, and in the ever-increasing prices of homes. But I don't think we talk much about how the perniciousness of property value goes deeper and basically holds middle class people who own a home hostage.
So to set some context here: in 2025 the median US home sold for $416,000. Say you have a working class family who can't meet median, but who scraped and saved and penny-pinched their way to a $300,000 home.
Typically, when buying a first home, you pay 20% down directly, and take 80% out as a mortgage from the bank. For this family, that means $60,000 of their liquid money (and let's say it took them 10-15 years to save that amount), and a $240,000 loan from the bank.
That's $240,000 in debt the family is. Which will be repaid over 30 years, with interest, at a rate that usually means for the lifetime of the loan, they end up paying back double the original loan.
However this massive $240,000 debt is generally considered "okay" debt to have, because it's backed by the house. If things go truly sour, the bank can take the house (and what's a little homelessness between friends).
That $60,000 the family put down is considered equity, and equity is money you "have", but isn't accessible.
Scenario: Now let's say something happens. Someone in the family loses their job, and the only job they can find requires moving. Or a family member across the country can't care for themselves anymore and so this family needs to move to be closer to them. The family gets divorced. Someone in the family is allergic to material in the home. Someone in the family is being stalked or abused and needs to leave the town. Anything at all, which would require selling the home and moving.
Case 1: The family is able to sell it for exactly what they paid (same property value, no increase or decrease). You would think the math is clean. They are paid $300,000 for the house. $240,000 repays the bank loan. The remaining $60,000 of equity goes right back to them. And they can use it (which took 10+ years to save up) to move across the country and buy a different $300,000 house.
Except no, it does not work like that.
The seller of a home is on the hook to pay commission to their realtor and the buyer's realtor. This is usually ~6% of the home value. They have to pay legal costs. There are taxes. There are miscellaneous costs. It can easily be 6-9% of the selling price of the house.
The bank NEEDS its $240,000 back. So those costs come from the equity. This family is not getting their $60,000 back. They're getting $30,000-$45,000, and now no longer enough money for a downpayment in their move. They're back to renting. Back to penny pinching. They can get by, but homeownership is now out of their grasp once more. Maybe in another 5 years, they'll have enough (unless home prices have increased too much by then) then they'll maybe never be homeowners again.
Case 2: The property value has DECREASED... Family is only getting offers in the $260,000 range.
If the family accepts a $260,000 sale, well $240,000 goes to the bank. This is genuinely non-negotiable. And that leaves.... maybe not enough money to even close on the house. Not enough to pay the realtors and the fees.
That $60,000 is wiped out, and the family is incapable of moving. Never mind losing 10+ years of savings--they're below $0. They don't have the money to close. It's financially impossible to sell. They are stuck with the mortgage. They are stuck with the house. (Maybe they'll rent it, if they can. And now they're landlords by circumstance, which is often NOT profitable when you're not a trust fund baby renting out a totally-paid-for no-mortgage home.) But whatever the case, they cannot sell it. And if the reason for selling was a job loss... well, they can be homeless soon. And if the property value dropped below $240,000, they can be homeless AND owe a bank debt. A $60,000 nest egg wiped completely out, with a bank debt owed on top of that.
So how do people avoid financial destitution when moving?
The most sensible answer is building up equity by paying down the loan--but it's important to know that mortgages are super interest heavy in the early life of the loan. With a 5% interest rate (BETTER, btw, than current rates) this family would be paying $15,460 the first year, and only $3,540.88 is actually chipping at that $240,000 principle. The other $11,919.59 was pure interest to the bank.
So after 1 year, the family went from having $60,000 equity in the house to $63,540.88 equity in the house. This buys a little extra wiggle room when juggling closing costs. But not very much. Even after 3 years, the family has just a little over $70,000 of equity, and just under $230,000 still left on the loan. So if the family has to move for any reason (sickness! death! job loss!) in those 3 years, it's probably financially devastating.
But there is a second answer to avoiding financial ruin: and that is Property Value going up.
Any amount of property value increase is PURE equity. The bank only cares about the amount of money it gave you. If after 3 years, that house is now worth (and can sell for) $315,000 (which is appreciation of only 1.6% a year. Most home appreciation is closer to 3%), that's more equity increase than they got from 36 diligent months of mortgage payment.
If they can sell for $315,000, pay $230,000 of that to the bank, that leaves $85,000. $25,000 goes to paying the realtors and the closing costs and.... the family is back to their $60,000 downpayment. Not trapped. Able to sell. Able to buy a new $300,000 home in the place they moved. Able to just maintain homeownership status.
But wait, if their home appreciated to $315,000, didn't all the other homes do the same, so now $60,000 isn't enough
Smart eye, lad! You've identified why this is a TERRIBLE rat race for the people scraping money together to live, and is ONLY a profitable leisure activity for rich people who sell homes like collectables.
Now because the increase is pure equity, a similar family with decent property value increase can funnel that extra equity into affording to meet the new higher down payment (remember the downpayment is only 20%, so even if the new place is similarly higher in property value, you only need to match that increase 20% for the downpayment). Which gets their foot in the door. But now their new mortgage is higher than the old one. More expensive. More interest.
But there is a losing scenario here--if home property values increased everywhere else, but not where you live. Then this family is back to surrendering homeownership. Because even if they can sell their place, they can't buy the next home.
It forces them to care about their own Property Value increase because, if it doesn't increase while everywhere else does, it traps them.
So what do I mean by all this
If the value of all homes dropped 50% overnight, I assume most people here would celebrate. Affordable homes! Rich people upset and crying! So much to love.
But in reality, that 50% drop would likely continue to mean no home for most of us, because the people who could sell you the homes would be financially incapable.
For the family above with the $240,000 mortgage, that mortgage does not reach halfway-paid-off until year 20 of the 30 year mortgage (remember the interest frontloading). If a family still owes $230,000 in bank loans on a place that can only sell for $150,000, they can't sell it to you. That house is the bank's collateral securing the loan. Their mortgage is underwater. They're trapped. They cannot sell it. You cannot have it.
Something similar happened in the 2008 subprime mortgage crisis, and the only people who got out okay were ones who could stay the course, keep making the mortgage payments, and wait it out long enough for property value to recover.
Those who couldn't got foreclosed on. Those who couldn't were left in financial devastation.
So in conclusion?
Banks profit off of mortgages. Rich people profit off of hoarding housing stock and selling it as the property value increases. Real estate companies profit off of home sales. And the regular people, who managed to achieve home ownership, are shackled to the price-go-up system to avoid financial ruin. They're forced to care about their property value because it is the singular determinant of whether they're trapped in place, whether they'll be okay if they lose their job, whether they could move due to an important life event.
It's a profit system for the rich where the cogs are middle class people who could achieve homeownership, running a machine where every single crank locks the poorer and younger generations out of home ownership forever.
4K notes · View notes
lgbtlunaverse · 1 year ago
Text
I've seen a good number of people ask a question along the lines of "why do characters like Falin and hate Laios when they're so similar?" and i've also seen good analysis on the differences in how the touden siblings carry themselves that would, despite their shared traits, make a person gravitate to one more than the other.
But i feel like we've overseen one very central thing here.
People don't like Falin
Like... the average person in dungeon meshi doesn't like Falin. She was deeply ostrasized by her home village, in magic school she had zero friends before Marcille and the others generally saw her as strange and a bit offputting.
Tumblr media
Characters like Namari and Chilchuck like her well enough but not necessarily more than any other member of their party, including Laios. Neither Kabru nor his party think much of her. The canaries don't give a fuck about her. Toshiro's retainers don't see her as anything else than the weird foreign girl their boss has a crush on.
The reason we think everyone loves Falin is because, despite all the indifferent side characters, the 2 most important and central characters of the story are Laios and Marcille. Who are NOT representative of the average attitudes to Falin! But necromancy georg number 1 and 2 are our main eyes into the story and they love Falin so much that it colours our perspective of the whole world.
The only side character who qualifies as liking Falin and not Laios is Toshiro (at least at first, as he ends the story on much better terms with Laios) and that says a lot about his character, with him drifting to the quiet Falin precisely because of her oddness but being both uncomfortable with and deeply jealous of Laios' much more open expression of that oddness. Because he's a repressed guy from a culture where etiquette is incredibly important.
But like I said, that's a specific aspect of him, not to the world at large.
Because there's also people that click more with laios than with Falin.
Kabru, for one, who is initially distrustful of laios but clearly also deeply fascinated by him and drawn to him.
Minor spoilers, and you don't have to read too deeply into this, because I don't think Kabru particularly dislikes Falin or anything. But it's interesting that when he talks about his distrust of the toudens in ch.32 he's talking about them both. But his big friendship declaration in chapter 76 is aimed squarely at Laios, he doesn't say "you and your sister" he says "you"
Tumblr media
And Senshi!! He instantly clicks with Laios, well before he does so with anyone else in the party– who he also becomes friends with, it just takes a bit longer– specifically because they bond over their shared special interest in monsters!! Senshi is kind towards Falin and cares for her wellbeing, but he also... doesn't know her. The reason he is even here, helping to save her, is because he and Laios bonded over monsters and he wants to help his new friends out!
Of course, the theme of neurodivergent isolation is very present in Laios' story. I'm not denying that. He does turn people off, without meaning to and unable to fully understand why! But so does Falin. And just like there are people who like her despite of or even because of those traits, there are people who do the same with him.
In conclusion: "Average person loves Falin and hates Laios" factoid actually statistical error. Average person is neutral on both Falin and Laios. Georcille, Laiorg and Geoshiro, who live in the dungeon and think over 10,000 Falin-loving thoughts a day, are statistical outliers adn should not have been counted.
15K notes · View notes
spirkbitch · 4 months ago
Text
one more opinion about star trek fashion
it actually shouldn’t look like stuff you would wear (or at least a lot of it shouldn’t)
i’ve seen a lot of praise for modern trek fashion being better than classic trek because ‘people would actually wear that’
look at what people wore as everyday fashion 200-300 years ago, would you wear it? probably not, maybe for the novelty of it, but definitely not every day.
like, yeah this stuff looks crazy
Tumblr media Tumblr media Tumblr media
it’s 300 years in the future. some of them are aliens, makes perfect sense to me that they would wear ridiculous extravagant clothes that look strange to my 21st century eye
similar to how if you showed modern fashion (especially alternative fashion/runway fashion) to someone dressed like this,
Tumblr media Tumblr media
they would probably think we’re crazy.
yet for some reason modern trek wants us to believe that hundreds of years into the future people still just wear zip up hoodies?
Tumblr media Tumblr media
(idk if the spock fit actually is a hoodie or not but come on man, the zipper? nothing more futuristic than a zipper?)
or this dress that looks like i could buy it in a 21st century target?
Tumblr media
(not to hate on chapel, she’s just the only one i can find decent pictures of out of uniform)
also why is everything so grey now? when was it decided that people don’t wear colors in the future? i can not find out of uniform pictures where any of these people wear color, all black, white, grey, and maybe a bit of muted green.
tldr
clothing design in star trek should be just as important as clothing design in a period piece. i don’t think a screencap from any star trek should look like it could just as easily take place in the 21st century, i should see some crazy outfits. the clothes can do a lot of the heavy lifting to remind us that this is supposed to be far in the future.
4K notes · View notes