#out of traps;;

[fantasmadelaciudad]

i'll be honest thinking about las vegas makes me nauseous.

[todaysbird]

give me good bird news

[hinamie]

blue light overexposure dot png

[magentasnail]

I'm absolutely obsessed with the book of bill, best thing i've ever read and it no joke gave me actual nightmares !! 100/10

[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.

[arrgh-whatever]

[egophiliac]

A guy who just wake up from a coma -> what did i miss?

Pomefiore was the last plot i follow before real life made me forget about our silly boys. How bad has the plot become now for our gang? Also who is that Gojo looking guy?

anon, I am so sorry and I mean this in the best way, but I do think episode 5 is the absolute funniest place to have stopped following Twst because shit starts escalating SO fast after that. episode 6 literally starts with a secret government shadow agency breaking down our doors and kidnapping students. zero to a million instantly.

and like...that's not even the zaniest thing so far? Ortho's hacked into the collective human unconscious. there's time travel (sort of). "Crowley might be Malleus' long-lost father" is a serious theory. if you'd told me any of this back pre-episode 6, I would have asked for the link to this unbelievable but highly intriguing fanfic.

also, episode 7 gave us (and then immediately took away 😔) the best character in the whole story:

[orionfrommars]

Someone call Elita 😭

[Please do not steal, trace, repost or do anything with my work]

[chloesimaginationthings]

Vanny mixed up FNAF Help wanted with Digital circus,,

[shittysawtraps]

wow man you got out of that saw trap super fast. no seriously that’s the fastest i’ve ever seen anyone do it. it took you like fifteen seconds, max. no i’m not upset. it just took a really long time to set up and it would have been cool if you had taken a little more time, just to build suspense. did you know about this? did you study for this? no i know that you’re bleeding out but listen–

[yeyinde]

18+ | noncon, blackmail, misogyny (amen)

But I need John Price blackmailing and noncon'ing the little rookie who looks up to him as a leader, a protector, and as a pseudo father figure.

Especially older Price. A few years out from retirement. Grizzled. Surly.

He's just such an iconoclast to me. Probably sniffs out the daddy issues and your burgeoning hero worship almost immediately when you shuffle into his office, eager to work under him. To prove yourself. He's made quite a legacy for himself, after all. Does his own thing. His own way. And after years of gruelling training and being crushed under the heel of chauvinistic pigs your whole life who see you as nothing but a burden that needs to be taught a lesson, you're excited for someone to finally see your worth.

And he does.

(Barefoot. Pregnant. Making sure dinner is on the table when he comes home from work.)

And since you're so set on worshipping him as the stable, male figurehead you've never had, he'll make sure to keep you on your knees. He'll even let you call him dad while you do it.

(Then when he's had his fill of you sucking his cock under his desk, he'll have you sign that resignation letter he drafted after you popped your head into the doorway, stars in your eyes, and addressed him so prettily as sir before letting you make him the father you so desperately want.)

[gaywineauntsstuff]

I have a REQUEST of non dick Grayson fanfiction writers

If you’re writing a fic and you need a way to write Dick out a la ‘Cass was busy in Hong Kong’ PLEASE MAKE IT THE MOST NONSENSICAL thing I’ve ever read

I wanna see

“Dick was busy fighting the devil in hell… he said he was fine so we’re leaving him be”

“I called dick and he just said no? And hung up?? So I’m guessing he’s busy?”

“ Dick was kidnapped by a space monarch and the titans are trying to bargain for him back… he didn’t do anything wrong they just like him and his wanna keep him”

“He’s stuck in a barrel rn”

“Dick is trapped in a noir film”

“He’s busy at the MET”

“I would call Dick but I think he’s on a remote island battling deathstroke rn and I don’t wanna be involved in all that”

“I would call Dick but he’s in Amazon rainforest and they have bad signal”

Are you seeing the vision? Like I want SILVER AGE NONSENSE FOR MY BOY. Like bro is just chilling firmly OUTSIDE the story

Like Tim is doing his whole angst plotline and he tries to call dick and he gets “hey Timmy would love to stay and chat but I’m being chased by sentient cotton candy and I gotta find a water source love you ciao”

Jason needs Allies and he calls Dick and it’s like “hey sorry would love to help but I’m in an alien deathmatch for the crown of a nation and I’m being attacked by a meat cleaver thing? Bye don’t get blown up again! Love you”

Damian needs a place to chill after Bruce is an asshole “sorry kid would love to help but i am currently in the Gotham sewers being handfed cheesecake don’t ask it’s a long story I’ll tell you when you’re 18 bye”

Babs needs him for something “would love to help but I’m having a tea party with a being beyond comprehension and if I blink I’ll die so send me details and I’ll get back to you when slash if I’m alive in 5-6 business days.”

Bruce calls “I’m herding space cows rn is everyone alive? If not tell me now so I don’t have to find out from a newspaper? No everyone’s fine. Lovely. Delete this number”

[rookanisstuff]

Rook’s been stuck there for 45 minutes because she doesn’t wanna wake him up

[rainscenes]

He's harmless. Mostly. (buck's version)

[dcxdpdabbles]

DCxDP Fanfic idea: The Cousin

Clark had always known that Krypton was an entire planet with more than just a few cities scattered about, but it was a very distant knowledge that he grew up with.

Yes, it was sad that he was among the few Kyptonians left in the universe, but Clark has always considered himself human before anything else. He was Jonathan Kent and Martha Kent's son long before he learned of his identity as Kal-El.

It made him feel guilty that he preferred being Clark Kent to Kal-El, but it was the honest truth, as mean as it was.

Kara had once accused him of not understanding what it mean to have lost their home planet like she did. She often pointed out that his Kryptonese sounded like someone who had learned it as a second language. She also claimed that he was only pretending to be Kryptonian in another argument, and the worst was when she stated he wasn't Kryptonian enough. She raged because she was mourning the loss of her planet and people, and lashing out at him was easier.

He knew that, but it still stung, though not in the way she wanted. It stung because of the guilt: He agreed that he was prouder to be considered an Earthling than a Kryptonian.

He couldn't help that English rested more comfortably on his tongue or the scents of Earth's food were far more appetizing than the meals Kara made (As close to her family's recipes as she could. There were some spices Earth similarly couldn't substitute)

His rocket ship was his parents' attempt to stuff as much of their culture as they could into it before their people were wiped out. He tried hard to learn everything they managed to save, but he didn't connect to it as strongly as he did in history class listening to the USA's humble beginnings.

He felt guilty about that, too.

When they found Kon-El, he let Kara give him a name, only to later discover what Kon in Kryptonian meant. By that point, the clone had built an entire identity out of the name, and seeing his cousin's smug smirk made his insides turn.

He didn't like the clone, but he didn't think the boy deserved that. Though Clark should have done something, eventually, he would help rebrand the name, shifting the translation of the more modern (or it was before Kypton was no more) to an older Kryptonian one. Although Kara acted like he was destroying more of their culture, Clark felt it was better this way.

It was a struggle to be trapped between two worlds, but Clark knew which one he would choose every single time.

Then Bruce found the boy.

As usual, Bruce kept an eye on all major powers, including up-and-coming heroes. He first gained wind of the young hero in Amity Park from a young Wes Weston, who posted daily about Phantom. Since Phantom seemed to fall under the jurisdiction of the Justice League Dark, Clark didn't pay much attention to him.

Bruce had eyes on the young hero and had sent Robin to offer training and support, but the boy seemed much more interested in staying in his own part of the world and fighting the dead. Clark could respect that.

All heroes had an area that was undoubtedly theirs, and Phantom picked the most haunted place in the country to protect. It made sense. Months went by with Bruce occasionally bringing up the boy in meetings, to either update them on his work or praise the child for his missions in that weird, emotionless way Bruce talked as Batman.

Then, one day, Kara barged into the meeting, about to argue for her right to join the Justice League, when her eyes landed on the hologram of Phantom, which was frozen in place. Her mouth opened and closed, eyes wide, before she blurted out, "You found someone from the house of Lor-Van!?"

"What?" Clark sat up, recognizing his mother's maiden name.

"Look at his chest! That's the Lor-Van symbol!" Kara screeched, hope starting to bloom in her eyes. "He's your cousin, Kal. Likely from your mother's young brother! I heard he was attempting to make a rocket on the other side of Kypton, but I never knew if he was successful....but he must have! He has your mother's eyes!"

Clark feels like someone kicked him in the chest. His voice cracks as he asks, "There were other refugees from Kypton?"

Whatever glee was on Kara's face died a painful death as she turned away, hiding her tears. "Not everyone believed Uncle Jor, but not everyone thinks he was lying. They just didn't make it."

The silence in the meeting hall is heavy. Clark is only half aware of his teammates shooting unsure glances between the two aliens until Bruce clears his throat. "If Phantom is truly of house Lor-Van, I think it's time to approach him again, especially since he's a ghost. Anyone with magic can take control of him."

"Oh," Kara's voice is small. "He didn't make it either."

Clark leaps to drag Kara into a hug. She goes willingly, but doesn't hug back as she stays stiff as a board, hiding her face in his chest. "He should have been your age. Makes sense why he's still a teenager."

He doesn't know what to say to make her feel better. Nothing will feel better when you lose your entire world.

"We could go meet him, " he offers instead. Clark feels Kara move her head against his chest in one brisk nod, but it's enough for him to excuse himself from the rest of the League. They wave away his apology, offering to come with them for moral support, but Clark feels it's something he and Kara should be able to handle on their own.

She's crying on her way back to Earth, aiming for the part of the planet that houses Amity Park. Clark could have just had the Zeta beams from the Watch Tower, but he felt a flight would have done her some good.

"I don't know why I'm sad," She laughs wetly. "It's not like he's my cousin. He's a cousin of a cousin. I just thought...."

"I know," he tells her, pretending not to see the flooding tears behind her. Maybe we can find out what happened to him."

Maybe he was raised on Earth before his early death. Maybe Phantom is like me. Clark says, but he hopes. Even if it were a ghost, it would be nice to have someone understand.

The two Supers don't say anything else as they re-enter Earth's skies, and they can spot a ain't green glowing monster fighting against another smaller white glowing figure on the horizon.