#how out of place

[famouscyclenerd]

E/riels when people say they have degrees

[azvhaalk]

glorious evolution

[heedra]

unsung benefit i think a lot of ppl are sleeping on with using the public library is that i think its a great replacement for the dopamine hit some ppl get from online shopping. it kind of fills that niche of reserving something that you then get to anticipate the arrival of and enjoy when it arrives, but without like, the waste and the money.

[prlssprfctn]

Batsiblings convince Jason to get himself a cooking Tiktok account, and he gives in. To his surprise, he quickly gains millions of followers and a loyal auditory. The only problem? Jason has no idea that these people came here not necessary for recipes.

Jason: Geez, my followers had been pissing me off lately.

Dick, confused: Huh? Why?

Jason: They keep commenting ATE. Like, dude? Fucking where? I am not eating in my cooking videos. What is the fucking point?

Tim, choking: Oh my fucking God-

Jason, making an angry text post for his followers: YOU ALL. STOP COMMENTING "RAW". MY MEAT IS NOT RAW. I AM A PROPER COOK. WHAT IS WRONG WITH YOU???

Cassandra: Maybe it is time to tell him...

Tim, Steph, Duke, in unison: NO

Bruce, awkwardly trying to have a conversation with Jason: Hey, lad, how is your cooking blog is going?

Jason: Uh, people keep commenting cryptid messages. Like, the last time I was showing the right way to tenderise meat for chops because apparently it wasn't clear and someone requested the whole video? Anyway, I did it, and the whole comment section was writing me "in bed, on the floor, on the couch, on a chair, against the wall, against the window, against the door"... Like, why would I do that, not in the kitchen?

Bruce, no less clueless: Maybe it some kind of challenge. Kids love trying new stuff in extreme places nowadays.

Jason: Huh. Maybe. Thanks.

Bruce, just proud to have a proper conversation and somehow a help: Anytime, Jaylad!

Damian, who was unblissfully educated on the slang matter by Tim (because it was his responsibility as a big brother to traumatise him), with his eye twitching: ...None of these words were in Quran

[stardella]

Kind of a dancing cactus Cosmo au? Sounds lame

[hinamie]

quick megumi style study

[phantomrose96]

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.

[infinitelystrangemachinex]

The stewards of the old world are always keen to give you a glimpse of their might... According to legend, the ancients built specialized chambers to seal away false prophets.

The Arcane is waking up.

[sinkfood]

did you know there aren't any god-like powers of indigestion

[duckysprouts]

if you were at your worst, if you’re a villain or a screwup or whatever, there is a goth man dressed as a giant bat who keeps coming after you, bothering you. he sabotages your journey of self destruction over and over. ur ready to give up but he won’t let you. you think, today he won’t come. today he will give up on me too. he never does.

[blaqcats-fics]

been thinking about jason being petty towards bruce. like, oh, you spend time with your other kids, but not me? tire privileges revoked! it would be over stupid shit too.

like there’s one time bruce decides to take damien to the movies, and jason is just beside himself.

like the conversation would be like:

JASON: So, let me get this straight—you took Damian to a movie.

BRUCE: He asked.

JASON: Oh, and I wouldn’t have wanted to see Kung Fu Panda 4 with you?!

BRUCE: You were busy.

JASON: Busy taking down a cartel. Which, by the way, I learned from you. I deserve quality time!

BRUCE: Jason—

JASON: No. No excuses. You’ll learn.

Jason storms off. Five minutes later, an alert pops up on the Batcomputer.

BATCOMPUTER: Warning: Batmobile rear tires have been removed.

BRUCE: …Jason.

Cut to Jason outside, rolling two Batmobile tires away, cackling.

[sophiebaybey]

Not to preach to the choir but I wonder if people generally realize that AI models like ChatGPT aren't, like, sifting through documented information when you ask it particular questions. If you ask it a question, it's not sifting through relevant documentation to find your answer, it is using an intensely inefficient method of guesswork that has just gone through so many repeated cycles that it usually, sometimes, can say the right thing when prompted. It is effectively a program that simulates monkeys on a typewriter at a mass scale until it finds sets of words that the user says "yes, that's right" to enough times. I feel like if it was explained in this less flattering way to investors it wouldn't be nearly as funded as it is lmao. It is objectively an extremely impressive technology given what it has managed to accomplish with such a roundabout and brain-dead method of getting there, but it's also a roundabout, brain-dead method of getting there. It is inefficient, pure and simple.

[wasyago]

quiet hours

closeups under the cut :]

i really like these

[starry-bi-sky]

I am loudly pushing the batdad agenda i am loudly pushing the— DPxDC Prompt

“Woah. You look like shit."

Granted, that’s probably not the first thing Danny should be saying to the guy that just bit the curb, but in his defense; he’s not running on 100% right now either.

The man -- tall, towering, and broader than Danny is tall -- whips around on his heel, black frayed cape flaring out impressively. Danny would've whistled in appreciation, but he takes the time instead to wipe the back of his hand across his mouth, smearing the blood running from his nose across his cheek.

"Sorry." He blinks widely, not even flinching as the man with the horns zeroes in on him. "That was rude of me. I have a really bad brain-to-mouth filter; Sam says its what always gets me into trouble."

And she's not wrong either, per say. His smart mouth is what landed him in this situation -- with blood blossom extract running through his veins and cannibalizing the ectoplasm in his bloodstream. Thanks Vlad.

The man grunts at him; a short, curt "hm" that shouldn't make Danny smile, but he does because he's somewhat delirious and probably concussed. The man keeps some kind of distance, sinking towards the shadows of Gotham's alleyway like he dares to melt right into it.

If it's supposed to scare Danny, it doesn't work. Danny's never been afraid of the dark; he's always been able to hide himself in it. He blinks slowly at the mass of shadows.

"You look hurt." The shadows says, blurring together around the edges. Danny squints, and licks his lips to get the blood dripping down his chin off. Ugh, he hates the taste of blood.

"I am." He says, "My godfather poisoned me. M'dying." The agony of the blood blossom eating him from the inside out looped back around to numbing a while ago, so all he feels is half-awake and dazed.

"Hey," Danny stumbles forward towards the man, a bloodied hand reaching out to him. "You-- you're a hero, right? You're not attacking me; which is more than I can say for most costumed people I've met." Maybe it's a poor bar to judge someone at, but he's already established that Danny's not in his right mind.

The man makes no change in expression, but Danny realizes blearily that it's hard to tell with the shadows on his face. He stays still long enough for Danny to latch onto the cape -- stretchy, but almost soft under his fingers.

He looks up blearily into the whites of the man's eyes. "Can you help me? I don't-- I don't wanna die." Again. He doesn't wanna die again. He blinks slow and lizard-like. "I mean- I'll probably get to see mom and dad again, but I told them I'd at least try and make it to adulthood."

There's a clatter down the street, and Danny's ghost sense chills up his spine and leaves a bitter, ashy taste in his mouth. He immediately knows who it belongs to even before the deceptively gentle; "Daniel?" echoes down the way.

"Daniel? Quit your games, badger, Gotham is dangerous for children."

Danny's mouth pulls back, and blood spills against his tongue. "Please." He rasps, and grabs onto the shadow's cape with both hands. "Please. He's going to kill me. Please--"

"Daniel? Is that you?"

His lips part, dragging in air to plead with the darkness again. He doesn't need to, the whites of his eyes narrow, and the cape whirls around him before Danny can blink. Soon swaddled in shadows, the Night lifts him up, and steals him away.

[kosmogrl]