#AND WAY MORE INTERESTING

[thewardenisonthecase]

Despite everything, I do prefer veilguard to inquisition

[boasamishipper]

unpopular opinion but i think a ship that's not canon but both halves are canonically insane about each other is infinitely better than a ship that's canon and boring

[icewindandboringhorror]

(also feel free in the tags to clarify Why you made the choice you made!! :0c)

[unsung-idiot]

don't show him modern technology; it won't end well

bonus under the cut:

[chloesimaginationthings]

Poppy playtime got a guy worse than William Afton

[valefiles]

‪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

[the-crooked-library]

Nosferatu (2024) is unquestionably a multifaceted work, but what I personally consider to be the unifying idea behind its facets is that, for Ellen, Orlok represents validation.

Her fears are dismissed and called childish?.. He's a nightmarish manifestation of them.

She is consistently disrespected by everyone around her?.. He considers her his only equal. She never uses his title, it's permitted.

She is told to fix herself, misunderstood, and always isolated?.. He knows all the darkest parts of her and is delighted by them. He wants her just as she is, so much that he will lie, kill, and cross the ocean to find her.

The scene in their death/wedding bed is a direct parallel to the scene of her waking in that bed at the beginning of the film. She complains to Thomas that the "honeymoon is yet too short" and tries to pull him down with a kiss - however, he is worried about being late for work, and so he extricates himself and leaves. Cut forward to her sharing the same bed with Orlok, similarly early in the morning; he is startled by cock-crow and begins to rise, but she guides his head back down - and, even though he knows that he will die, he stays. He is her sexual and emotional desire, realized.

Given that there is a plethora of emotions Ellen is forced to suppress on daily basis, there is no singular correct interpretation of her relationship with Orlok. To erase any one of them is to render it shallower than it actually is; but there is no doubt as to why their attachment is mutual. To each, the other is something they’ve never had before.

[jellolegos]

older korrasami

[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.

[anna-scribbles]

emma dupain cheng on the brain😽🎀

more:

[briskchips]

He has forever to get it right.

[ariadne-mouse]

I feel fandom would get along a lot better if there was mutual understanding that liking a character, agreeing with a character, and thinking the character is well constructed/executed are all separate (if often overlapping) positions, each with their separate tastes and subjectivities. Also: character portrayals are intended to make the audience feel things; this is separate from (if often overlapping with) analyzing/appreciating their actions and role in the story.

[keferon]

THE NEW CHAPTER OF MISTAKES ON MISTAKES UNTIL IS OUT AND YOU ALL KNOW WHAT THAT MEANS~~~~~~

Spoilers for ch 74 below >:)

Head in hands. And then they all happened to be self sacrificial idiots.

Infinitely delighted by the fact that Optimus automatically decided to catch whoever was falling and only look who that was afterwards. 100/10. Peak Optimus writing.

[cuubism]

i kind of sympathize with Sadeas re: Dalinar in Way of Kings. if I knew a guy who was basically like a rabid dog barely contained on a leash back when we were launching a military coup together and he had a kill count of like 999999999 civilians and then he had a complete mental breakdown and then came back from it like "hey I'm Catholic now and by the way God Is Speaking To Me and told me the apocalypse is coming" well i probably wouldn't want that guy in charge of anything either. to be honest

[chloesimaginationthings]

How William Afton got his wife in FNAF

[egophiliac]

Final manifestations for Book 7?

I'm trying REALLY hard not to build up any solid expectations, because I wanna go in ~fresh~! they're already so far away from anything I thought would happen (not in a bad way, I'm just accepting that I'm on Miss Yana's Wild Ride at this point and we're seeing this thing through 'til the end, by gum). so it's nothing too major, but:

they've been handing new crying expressions out like candy lately, I want to see some delicious Malleus tears.

honestly I want everyone to cry buckets. their tears sustain me. the more Silver angst specifically I get the happier I am.

SILVER!!!! 👏 VANROUGE!!!! 👏

just let him have this. the poor boy's been through so much. let him have his big "I'm proud of you, son" moment with Lilia.

I'm 100% expecting Grim's arc (and probably whatever's going on with Crowley) to be its own episode, but a nice hook to leave us hanging on would be good!

a nice hook though, please, I don't think I can take another "Grim is attacking us! now wait eight months to find out what happens :)" cliffhanger...

some Meleanor? as a treat? just a little bit, a tiny quick flashback or something, please Twst I just, I just want to see her again. let her have a little ghost cameo like Dawnathan Knight got. Lilia and his kids are all having their big group hug or whatever and she can gently fade in to be all like

(turning asks off until I'm done playing, SEE YOU ON THE OTHER SIDE Y'ALL)