#they are a games company they want people to buy their games

[ms-demeanor]

On insurance: I still live with my parents and don't know a lot yet about the sorts of things adults usually have to spend money on. I've always been skeptical of things like insurance and credit cards because it seems to me they wouldn't be selling that if they didn't expect to make money from it. I talked to my cousin a while ago about credit cards and basically came to the conclusion that they do that because they're betting on the customer getting sloppy and letting their debts stack up, and the way you beat that and get money from credit card companies is just by being careful.

I'm a little more confused about insurance though because it seems much more straightforwardly like a gamble they will simply not take if it won't pay off for them. Like, you don't go to a casino because every game they play at a casino is one they've done the math on and have determined that statistically most people will lose money on most of the time. Is insurance not kinda the same? Where they estimate the risk and then charge you an amount calculated to make sure it probably won't be worth it for you?

I know if you have a car you legally need car insurance so everyone knows you can pay for another car if you crash into someone, and I gather that here in the US at least health insurance companies have some kinda deal with hospitals so that the prices go down or something, and there's a reason I don't fully understand why not having health insurance is Really Bad. But we get to pet insurance, or like when I buy a concert ticket and it offers ticket insurance in case I can't make it to the show, and surely if they thought they were gonna lose money on that they just wouldn't sell it, right? Or they'd raise the price of it until it became worth the risk that something bad actually will happen? Wouldn't it only be worth it to buy insurance if you know something the insurance company doesn't?

So the deal is that most people don't use their insurance much, and often insurance companies will incentivize doing things that will make you use your insurance less.

So, for example, you can get a discount on car insurance if you have multiple cars because people who insure multiple cars are more likely to be responsible drivers (the ability to pay for multiple cars stands in as a representation of responsibility here). The longer you go without an accident, the lower your premiums get because that means that you are not costing your insurance company anything but you are paying into the system. The car insurance company's goal is to have the most responsible, safest drivers who never get into car accidents because they can predict (roughly) how much they're going to have to pay out to their customers and they want the number they pay out to be lower than what's paid in. So they try to discourage irresponsible drivers by raising their rates and encourage responsible drivers by giving them discounts.

Health insurance companies often do the same thing: I recently got a gift card from my health insurance company because I had a visit from a nurse who interviewed me about my overall health and made sure I had stable blood pressure and access to medications. It is literally cheaper for my insurance company to give me a $100 giftcard and hire a nurse to visit me than it is for me to go to my doctor's office a couple of times, so they try to make sure that their customers are getting preventative care and are seeing inexpensive medical professionals regularly so that they don't have to suddenly see very expensive professionals after a long time without care.

Insurance in the US has many, many, many problems and should be replaced with socialized healthcare for a huge number of reasons but right now, because it is an insurance-based system, you need to have insurance.

We're going to use Large Bastard as an example.

Large Bastard had insurance when he had his heart attack and when he needed multiple organs transplanted. He didn't *want* to be paying for insurance, because he thought he was healthy enough to get by, but I insisted. His premium is four hundred dollars a month, and his out of pocket maximum is eight thousand dollars a year. That means that every year, he pays about $5000 whether he uses his insurance or not, and if he DOES need to use the insurance, he pays the first $8k worth of care, so every year his insurance has the possibility of costing him thirteen thousand dollars.

The bill for his bypass surgery was a quarter million dollars.

The bill for his transplant was over one and a half million dollars.

His medication each month is around six hundred dollars. He needs to have multiple biopsies - which are surgeries - each year, and each one costs about twenty thousand dollars.

Without health insurance, he would very likely be dead, or we would be *even more* incapable of paying for his healthcare than we are right now. He almost ditched his insurance because he was a healthy-seeming 40-year-old and he didn't think he'd get sick. And then he proceeded to be the sickest human being I've ever known personally who did not actually die.

Health insurance costs a lot of money. It costs less money for people who are young and who are expected to be healthy. But the thing is, everybody pays into health insurance, and very, very few people end up using as much money for their medical expenses as Large Bastard did. There are a few thousand transplants in the US ever year, but there are hundreds of millions of people paying for insurance.

This ends up balancing out (sort of) so that people who pay for insurance get a much lower cost on care if they need it, hospitals get paid for the care they provide, and the insurance company makes enough money to continue to exist. Part of the reason that people don't like this scheme is because "insurance company" could feasibly be replaced by "government" and it would cost less and provide a better standard of care, but again, with things as they are now, you need to have insurance. Insurance companies are large entities that are able to negotiate down costs with the providers they work with, you are not. If you get hit by a car you may be able to get your medical bills significantly reduced through a number of means, but you're very unlikely to get your bills lower than the cost of insurance and a copay.

Because of the Affordable Care Act, which is flawed but which did a LOT of good, medical insurance companies cannot refuse to treat you because of preexisting conditions and also cannot jack up your premiums to intolerable rates - since Large Bastard got sick, he has had the standard price increases you'd expect from aging, but nothing like the gouging you might expect from an insurance company deciding you're not worth it.

Pet insurance works on the same model. Millions of people pay for the insurance, thousands of people end up needing it, a few hundred end up needing a LOT of it, and the insurance companies are able to make more money than they hand out, so they continue to exist. This is part of why it's less expensive to get pet insurance for younger animals - people who sign up puppies and kittens are likely to be paying for a very long time and are likely to provide a lot of preventative care for their animals, so they're a good bet for the insurer. Animals signed up when they are older are more likely to have health problems (and pet insurance CAN turn animals away for preexisting conditions) and are going to cost the insurance companies more, so they cost more to enroll (and animals over a certain age or with certain conditions may be denied entirely).

This weighing risk/reward is called actuarial science, and the insurance industry is built on it.

But yeah it's kind of betting. The insurance company says "I'll insure ten thousand dogs and I'm going to bet that only a hundred of them will need surgery at some point in the next year" and if they're correct, they make money and the dogs who need surgery get their surgery paid for out of the premiums from the nine thousand nine hundred dogs who didn't need surgery.

Your assessment of credit is correct: credit card companies expect that you will end up carrying a balance, and that balance will accrue interest, and the interest is how they make the money.

And it is EASY to fuck up financially as an adult. REALLY EASY. But you are still likely to need a good credit score so you will need a credit history. That means that the correct way to use a credit card is to have a card, but not carry a balance.

To do this, never buy anything on the card that you can't afford. In order to avoid needing the card for emergencies, start an emergency fund that is at least 3 months of your total pay *before* you get a credit card. That seems like a *lot* of savings to have, but from the perspective of someone who has had plenty of mess-ups, it's a lot easier to build up a $10k emergency fund than it is to pay off a $10k credit card debt.

If you don't understand how interest works on credit cards, or why a 10k savings is different than a 10k debt, here are some examples working with $10k of debt, 23% interest (an average-ish rate for people with average credit), and various payments.

With that debt and that interest, here's how much it costs and how long it would take to pay off with $200 as the monthly payment:

Fourteen years, and it would cost you about twenty four thousand dollars in interest, for a total amount paid of about thirty four thousand dollars.

To save $10k at $200 a month would take four years and two months.

Here's the same debt at $300 a month:

4.5 Years and it costs about six grand (again, just in interest - sixteen thousand dollars total). Saving ten thousand dollars at three hundred dollars a month would take just under three years.

Here's the same debt at $400 a month:

3 years, about $4000 dollars (fourteen thousand dollars total). Saving ten thousand dollars at $400 a month takes just over two years.

The thing is, with all of these models you're going to end up paying one way or another. Insurance vs out of pocket is you weighing the risk of losing a fair amount of money by signing up but not using the system, or potentially losing a catastrophic amount of money by not signing up.

For credit cards they really only work if you know you're never going to need them for an emergency, because an emergency is what you're not going to be able to pay off right away. I didn't have an emergency fund when Large Bastard had his heart attack and needed surgery, or when we moved between states suddenly, or when we moved between states suddenly AGAIN and needed to pay storage costs, or when Large Bastard needed a transplant, or when Tiny Bastard got in a fight with my MiL's dog, and the fact that I didn't have an emergency fund is still costing me a lot of money.

So, young folks out there: what's the takeaway?

Get insurance. Get the best deal possible, which usually ends up being the one you sign up for early. You may think you can let it ride without insurance, but man in the six months between when I graduate college (and lost my school insurance) and when care kicked in after 90 days at my job I got electrocuted and needed to go to the ER. If that hadn't been a worker's comp payout I would have had thousands of dollars in bills. Something could happen. You could break your leg, you could get hit by a car, you could suddenly find out that you actually have heart disease at twenty, you could develop cancer. Have insurance, you need insurance. You legally need car insurance in the US, and you financially need health insurance. If you have a pet, I think it's a good idea for them to have pet insurance.

Credit cards are not for emergencies, they are not for fun, they are not for buying things that are just ever so slightly out of your budget, they are for taking advantage of the credit card company and managing to get by in a system that demands you have a credit score. ONLY put purchases on your credit card that you already have cash for. Before you get a credit card, build up an emergency savings so that you aren't tempted to put emergency charges on your card.

If you DO end up with an interest-bearing debt, pay it off as fast as possible because letting it linger costs you a LOT of money in the long run.

Stay the fuck away from tobacco and nicotine products they are fucking terrible for you, they are fucking expensive, and they are not worth it put the vapes down put the zyns down put the cigarettes down I will begin manifesting in your house physically i swear to fuck. Knock that shit off and put the cash that you'd be spending on nicotine into a savings account.

Take care, sorry everything sucks, I promise that in some ways it actually sucks less than it did before and we're working on trying to make it suck even less but it's taking a while.

[marmaladeinlemonade]

Ppl will complain about Pressure updates and devs while forgetting Pressure is NEW.

Ik tumblr has more users with common sense but the amount of tiktoks and tt users say that the game was at its PEAK two weeks after the game's release just bc you could climb Sebastian, he wasn't (visibly) married (it was always written into his character), and tolerated the players slightly more is INSANE.

Most games, at that, aren't at its peak gameplay and story a month after release!!

"The anti-climbing mechanic doesn't even fix anything!" Yeah because you climbed Sebastian several times over ofc at SOME point you're gonna get softlocked bro. Maybe try playing pressure for a reason aside from harassing seb.

I genuinely feel like the pressure fanbase tend to forget that Pressure is from roblox programmers in a small developing group. This isn't Hoyoverse or DevSisters where the game is fully polished with information on all characters and a finalized world building upon release because the company has more time, money, and skilled labor to develop that. It was made in ~1 year and a rushed release.

Not only that, but Pressure is a passion-project. It isn't driven by money, which means there's not much of an incentive to please the playerbase with fan service content that changes lore/characters so people can buy it. (Fan service as in any content made to make ppl happy) So, developers are going to choose what they want to do with the game bc they don't care whether or not you play. Zeal said so first thing in his interview with Breadian.

Amazing features that enrich gameplay and world building such as Sebastian killing walldwellers and the DiVine being able to kill you, Navi-AI turning into a new character, and several new room types are hinted to come to Pressure but nooo!!! Its somehow cooked and unsavable because of ONE form of characterization YOU deem incorrect not even knowing the character's lore. Right.

Edit: Pressure has a future as a roblox game that values storytelling and immersing the user in it's world. We need rblx games like it that put work over profit so people stay on the platform. Especially when older and new games have become money hungry over time.

Its really crazy how people be biting the hand that feeds them. Seb could easily be replaced with an expendable or unknown void like jeffery as a merchant npc if this continues. Online users will really be out her acting like the person who wrote and designed their favorite character is all of a sudden BAD!! And their favorite character is RUINED!!! And TAKEN AWAY FROM THEM!! Because their personality wasn't made to please the fanbase.

Yes, Sebastian hates you. Not pouty tsundere hates you, he is literally keeping you alive against his own will by mr. Lopee. He not tryna fuck bro 🔥

[championsandheroes]

I just started replaying DAO after fighting Origin for over an hour, giving up, and buying a cd drive for my laptop so I can use my original copy. And then cursed up a storm as I had to track down the files for the DLCs that I own but apparently EA doesn't think I should have access to anymore. They were hidden on EA's own site. Some of them didn't work. I am filled with nothing but rage over this bs.

But probably not as much rage as your average Mahariel feels going through the bs that is their origin story. I'd even forgotten the state of the female leather armor after all these years of refusing to draw it.

Over at Patreon and society6 our armor covers our entire chest, because safety comes first.

[picorimori]

anyway im gonna tell my mom about cancelling an event I wanted to go to 8 months ago because in the last 8 months I realized I cannot do this I Cannot Do This I CANNOT DO THIS

[sidhedust]

Anyone know how to like, buy the rights to use music? There's a track I found as a teen and loved it ever since, but I can't just snatch it up and use it in the VN without uh, buying???? It??? Or like asking? I dunno man. Whatever here it is

[wachi-delectrico]

we shouldn't have let the internet have the phrase "there is no ethical consumption under capitalism"

[girlbob-boypants]

"Ff14 was nominated for a community support award!"

Didn't it recently get revealed that the middling quality of the post msq patches is because key members of staff were working on ff16 instead?

[countess-of-edessa]

im aware that this is just like,,,the nature of food. but it’s kind of galling when something takes 5+ hours to make and the family member who had the least to do with its creation eats seventy five percent of it in fifteen minutes

[aimlesswalker]

Had a thought today- I'd really like to get some "remasters" for video games except it's pixelizing them or in some other way reducing the graphics in a way that goes beyond just setting the textures to low. There's a bunch of great games out there that take up way too much storage (no game needs to be over ~30 GB) and use up way too much of your graphics card. It's completely unnecessary. Video games don't need to look as realistic as possible, they don't need to be 4k ultra HD. There's lots of great games out there that aren't accessible bc of this and I hate it.

[theabstruseone]

I slept in and just woke up, so here's what I've been able to figure out while sipping coffee:

Twitter has officially rebranded to X just a day or two after the move was announced.

The official branding is that a tweet is now called "an X", for which there are too many jokes to make.

The official account is still @twitter because someone else owns @X and they didn't reclaim the username first.

The logo is 𝕏 which is the Unicode character Unicode U+1D54F so the logo cannot be copyrighted and it is highly likely that it cannot be protected as a trademark.

Outside the visual logo, the trademark for the use of the name "X" in social media is held by Meta/Facebook, while the trademark for "X" in finance/commerce is owned by Microsoft.

The rebranding has been stopped in Japan as the term "X Japan" is trademarked by the band X JAPAN.

Elon had workers taking down the "Twitter" name from the side of the building. He did not have any permits to do this. The building owner called the cops who stopped the crew midway through so the sign just says "er".

He still plans to call his streaming and media hosting branch of the company as "Xvideo". Nobody tell him.

This man wants you to give him control over all of your financial information.

Edit to add further developments:

Yes, this is all real. Check the notes and people have pictures. I understand the skepticism because it feels like a joke, but to the best of my knowledge, everything in the above is accurate.

Microsoft also owns the trademark on X for chatting and gaming because, y'know, X-box.

The logo came from a random podcaster who tweeted it at Musk.

The act of sending a tweet is now known as "Xeet". They even added a guide for how to Xeet.

The branding change is inconsistent. Some icons have changed, some have not, and the words "tweet" and "Twitter" are still all over the place on the site.

TweetDeck is currently unaffected and I hope it's because they forgot that it exists again. The complete negligence toward that tool and just leaving it the hell alone is the only thing that makes the site usable (and some of us are stuck on there for work).

This is likely because Musk was forced out of PayPal due to a failed credit line project and because he wanted to rename the site to "X-Paypal" and eventually just to "X".

This became a big deal behind the scenes as Musk paid over $1 million for the domain X.com and wanted to rebrand the company that already had the brand awareness people were using it as a verb to "pay online" (as in "I'll paypal you the money")

X.com is not currently owned by Musk. It is held by a domain registrar (I believe GoDaddy but I'm not entirely sure). Meaning as long as he's hung onto this idea of making X Corp a thing, he couldn't be arsed to pay the $15/year domain renewal.

Bloomberg estimates the rebranding wiped between $4 to $20 billion from the valuation of Twitter due to the loss of brand awareness.

The company was already worth less than half of the $44 billion Musk paid for it in the first place, meaning this may end up a worse deal than when Yahoo bought Tumblr.

One estimation (though this is with a grain of salt) said that Twitter is three months from defaulting on its loans taken out to buy the site. Those loans were secured with Tesla stock. Meaning the bank will seize that stock and, since it won't be enough to pay the debt (since it's worth around 50-75% of what it was at the time of the loan), they can start seizing personal assets of Elon Musk including the Twitter company itself and his interest in SpaceX.

Sesame Street's official accounts mocked the rebranding.

[jaythelay]

This is all true btw.

This is why you shouldn't support Rockstar.

That and they turned off the ability to change your password because people were using it to hack accounts because i swear to god they never turned off any old account recovery emails they sent so bruteforce URL spamming worked, and now I have to share my Rockstar account with someone in Europe forever because top to bottom their security is just so bad I wouldn't be surprised if RATs started happening through their god awful forced launcher they use to punish consumers as pirates and not be never even acknowledged by pirates.

[weareuniqueandimportant]

EMERALD BEYOND IS WHAT I WANT TO PLAY BUT THIS PLACE DOESN'T SELL THEM... WE WATCHED THE NINTENDO DIRECT THEY'RE THE TYPICAL CAPITALIST EVIL THAT WANTS YOU TO BUY EVERYTHING THERE IS WITHOUT REALLY GIVING YOU ANYTHING... I SURE HOPE ANOTHER CONSOLE DOESN'T HAPPEN BUT THAT IS SOON ISN'T THAT UGH...?!?! THE WII WAS FINE THE 3DS WAS FINE BOTH COULD STILL WORK. WE DON'T NEED TO KILL OLD CONSOLES FOR NEW ONES FUCK CAPITALISM. IN A WAY I HATE EVERY SINGLE GAME BECAUSE THEY WEREN'T GOOD ENOUGH... DESPITE OWNING WORSE ONES SAYING THAT'S OKAY BUY A GAME JUST FOR YOUR SUFFERING NO WE DESERVE BETTER SHIT DIRECT. WOKE ZELDA IS EPIC WOKE HOBBIT IS EPIC. MORE OF THAT THIS TIME BETTER. DANGANRONPA CREATORS ARE SHIT AND CAN'T DO ANYTHING EVERY GAME IS LIKE DANGANRONPA WITHOUT THE TOXIC SHOCK CONTENT PRETTY MUCH THE ONLY REASON THE GAMES EXISTED TBH... FAIRY TAIL GAME LOOKS DUMBB AND SUB DOESN'T WORK IN GAMES LIKE THIS TBH... WHY IS THIS FAIRY TAIL 2 ARE YOU TELLING ME EVERY SINGLE OTHER ARC WAS FAIRY TAIL 1 CRAZY. METROID PRIME 4 MORE LIKE WTF. ALL THAT TIME FOR A MORE GENERIC LOOKING ASS GAME THAN THE PREVIOUS METROID THING WITH THOSE WHITE THINGS. MARVEL TRASH. NEW MARVEL STUFF CHARACTERS LIKE SHE HULK MILES MORALES WITHOUT NO. BESIDES I KNOW NOTHING ABOUT THEM AND THEY DON'T CARE ABOUT TELLING US ABOUT THEM... FEMININE MAN PROTAGONIST BY FINAL FANTASY CREATORS SAYING BUY ME BUY ME IDK ABOUT THAT BRAVELY DEFAULT IS SHIT GARBAGE GAME WASTE OF MONEY OMG YOU WANT US TO EXPERIENCE THAT AGAIN FINAL FANTASY CREATORS THEY CAN'T DO SHIT WITHOUT FINAL FANTASY. THEY'RE PATHETIC. MEANWHILE THAT OTHER GAME... ALMOST BOUGHT... ROMANCING 2 WHATEVER... NO... GIVE ME THAT EMERALD GAME THAT LOOKS HEAT... WHO CARES ABOUT 8BIT TBH... JUST DANCE IS FUCKING FUNNY... THEY PUT SOMETHING ON THE WII TOO ONCE THAT WAS SO FUNNY. WHERE'S MY PARAPHILIA REPRESENTATION GAME NINTENDO GIVE ME FREAKY STUFF WITHOUT THE MALE LOSER AS PART OF THEM... NO TRANS CHARACTERS GAMES GO WITH FEMININE MAN AND BUILD BIGOTED FANBASES THE TRANS AND NONBINARY PEOPLE GO TO... GIVE ME BETTER... ZELDA SHOULD SAY MAN ARE STUPID AND HURT PEOPLE AND LINK SUCKS AND KISS A WOMAN THEN THE GAME WOULD BE AMAZING. TERRIBLE DIRECT. WANNA KNOW WHY? I DIDN'T BUY ANYTHING THAT'S WHY. THEIR FAULT. THEY WEREN'T GOOD ENOUGH. SAY OTHERWISE YOU WANT TO HURT US... YOU'RE SADISTIC IN A BAD WAY ONLY WHEN WE'RE SADISTIC IS THAT OKAY UNLESS WE FIND YOU... FUNNY....

[v0iddr0id]

[Avoids all discussion about the silent hill 2 remake]

[Is happier]

[deltoraquest]

All these boycott posts have people in the notes going “What if I’m dying of starvation in the middle of nowhere and my only option is McDonald’s”??? Be real. You’re writing paragraphs to defend yourself on a tumblr post. That isn’t happening to you.

[mygnolia]

YOU MAKE ME GO CRAZY OVER YOU !!

୨୧ -› hey, that boy over there..isn't he the most popular student athlete on campus? how did you two meet, anyway?

pair -› jock/athlete! enhypen x fem! reader | wc -› 3.5k (700 per member) | no warnings! | library

˚୨୧⋆｡˚ ⋆ LEE HEESEUNG

im gonna sigh dreamily when i say he’s most DEF basketball captain. 

yes ik i wrote about this in wrong number i dont CARE i will say it with my whole chest 

DORK DORK DORK but cute dork with lethal face card. smirks after making yet another basket and winks at you

age old question how tf did yall meet!!! 

you pass by the gym and some guy on the way stops to talk to you 

like “hey i know you from somewhere”

“yes heeseung we were partners from a project two weeks ago how do you not remember..” 

he’s embarrassed asf especially because he remembers a lot of people’s names

after that he wants to be in your good graces and be friends

totally not because he remembered how you did a lot of the work for said project no complaints!!

and he doesn’t want you to rat him out to the teacher… or tell other people he’s not friendly

‘hey y/n, come to my game? i’ll do better if you’re there :)” 

you go only because you needed to complete an assignment while you were there at school anyways 

but sometimes you’d see him laughing with his friends, or how serious he is on court and woah, heeseung looks cool for once

you wait for him after because you figured he needed you for something 

“awh, you wanted for me?” “i could be doing much better things.” “awh, come on y/n let’s get some ice cream! my treat since we get to spend time together” 

he’s annoying but you let him tag around because he doesn’t bother you LOL

more under the cut!

drags you along when he practices alone so he can have some company

you like the company and the white noise too

you definitely doubt if he likes you because he is SUCH A FLIRT but no he DOES! he writes a confession on a basketball and ‘misses’ so you can catch it

you pass it back without seeing the message 

but heeseung keeps missing and it almost hits you on the head and you’re like ‘dude you SUCK hello??” he says ‘oh lol maybe it’s the ball” byee why was he smooth with it!!!!

you check the message and roll your eyes 

“if i make this you have to kiss me” you tell him and you’re about to shoot but he picks you up and brings you right next o the next to let you throw it in and then kisses u!!!!

not to be like oh im writing an smau on basketball captain heeseung but.. *tucks hair behind ear* 

most definitely tries to be mysterious and cool when you’re dating 

dribbles in front of you, trick shots, runs up to you when you’re alone, gives you one kiss between ever basket he makes 

teaches you how to play!!!!

ABSOLUTELY lights up when someones mentions you when you two date

“oh yeah my partner in math is ___” 

“omg ___?? the love of my life ___??” 

you lowk have to drag him away i fear 

˚୨୧⋆｡˚ ⋆ PARK JONGSEONG 

baseball captain *faints* 

enhypen x mariners and him speaking in english…so you want me DECEASED 

baseball captain jay and you who attends his games because jake aka ur friend on the team knows you have nothing better to do 

“i bet you won’t make it even to five games before buying cotton candy” jake says because you have a MASSIVE sweet tooth 

you tried really hard because $15 and a burger was on the line 

and you kept coming because…well there was a cute captain who always knew how to rally his teammates and get them excited 

also great sportsmanship and was super friendly to everyone! 

definitely got mad when the umpire makes a wrong call 

sharp reaction times. EVEN SHARPER JAW. 

of course you stared! of course you were not paying attention to whatever jake was saying about his test after their game..how could you when jay was doing his lopsided smile as his friend pats him on the shoulder from ten feet away??

one time you come early because they’re practicing on the field and you see jay and jake passing to each other

jay just so effortlessly throwing the ball…oh my god

he’s just so perfect and jake cheers from the sidelines because he knows his captain pays attention to every single person who has stepped foot on the baseball field iNCLUDING YOU

you come up to jake after the fourth game, showing him you still had your $5 and your tongue wasn’t stained with any blue or pink

jay comes over, arm thrown around jake’s shoulder as he waves and smiles to you 

dark hair with a twinge of sweat as he runs a hand through it, pulling it back to place on his cap 

JAY IN A BASEBALL CAP *faints again*

he walks you out to the parking lot and asks what the $5 in your pocket is for because he keeps seeing you pull it out 

you explain your whole bet to him and he nods

next game. before it starts. he gets you cotton candy and makes sure it gets to you somehow 

you smile and you’re all giddy when you eat it because there’s a p.j. on the cap and he’s just so cute 

jake doesn’t say anything he already knows it’s happening between you two. 

jay finally writes on a baseball and tells you to catch, and it says ‘let’s date’ and you grab a sharpie and scribble ‘kiss me first’ 

OH YEAH HE WALKS OVER AND KISSES YOU. 

soon every game instead of cotton candy  it’s his baseball cap when it’s sunny, his jacket when you’re cold, baseballs with notes on them, and roses for his girlfriend aka youuuuu 

jay is such a romantic and he is not afraid to show it 

he orders custom jerseys that say jay/n on the back with the day you got together!!!!! 

BEST BOYFRIEND EVERRRRRR

˚୨୧⋆｡˚ ⋆ SIM JAEYUN

rugby player jake but he has dark long hair let that settle in 

campus flirt campus playboy but in reality he doesn’t go on dates and nothing really happens past the smiles, he’s just super popular

you are also pretty well known! a little flirty but super sweet and your charm and how expressive and open you are with other people is what people like!

and he sees you cheering with your friend who he remembers is dating someone from the team

rugby has no gear so he just runs like no tomorrow 

smiling in the sun or determined stare as he talks to his team, you never know 

he yells either in frustration, victory, or defeat, literally will never be silent 

so after a game you follow your friend down to the railing and she has her little moments with her boyfriend 

and you and jake kind of awkwardly stand there for a moment 

he wipes his sweat off with a towel and smiles at you, cracking the ice 

“how long have you had to deal with that?” he points over to them 

you shrug and tell him “however long you’ve been dealing with it” he laughs 

oh wow his smile when he’s right in front of you is just so pretty 

and his little chuckle as he shakes his head and looks back up at you 

‘who do you watch on the field?’ he asks, with a little smirk because he likes you 

‘whoever catches my attention’ you tell him also smiling 

oh its a CHALLENGE. he will make sure to run on the side of the field you’re watching from, winking at you on the field, ugh just everything 

you come to a party at the end of the season to celebrate and he sees you 

“you came!!” super happy and makes sure you are next to him all the time 

“y/n you know the teammates, yeah?” you smile and congratulate them 

he leaves to get you a soda/water and jungwon leans in 

“jake LOVES to talk about you by the way” 

“yeah he always says how pretty you are in the library or in class, he likes when your friend comes because that means you come with her”

heeseung nods, “super into you, no joke” 

jake comes back trying to play it off “who’s into y/n?” 

you poke at his shoulder and smile, “you” and he’s all bashful and giggly 

loves to call himself ‘y/n’s girlfriend’ 

‘sorry, i can’t i have to buy flowers for y/n’ ‘sorry y/n needs me to help her study’ ‘sorry y/n needs a ride here’ STUCK TO YOUR HIP

ofc he doesn’t abandon his friends but he loves spending time with you :3

˚୨୧⋆｡˚ ⋆ PARK SUNGHOON

sunghoon’s reputation proceeds him—cold on the court and just as reserved off of it

ugh he’s so annoying, he always has his bag in the same spot as yours and he always is at the water filling station with hos annoying 32oz bottle before you

also hogs that automatic tennis ball throwing machine like how are YOU supposed to practice tennis too 

‘hey i need that’ he furrows his eyebrows and shrugs 

‘i was here first’ ‘what are you twelve????’ sunghoon tells you ‘get here earlier next time then 

oh yeah. for the next week you ran to the courts everytime to get it before him 

one day he sees you and races you to the gates and you beat him 

sulky after as if his career is over

definitely varsity and one of the best, but he never approaches girls after his games

one time you go to a men’s game because it’s one of the most anticipated of the season 

its neck to neck, third set with 40-adv, sunghoon’s serve

he chases after that ball and sends it over, it barely hits the net and tumbles over, AND HE WINSSSS BRAHHHHH 

even if you hate him you will admit that he made the game extremely interesting 

you see his friends congratulate him and you notice that he never gets his clothes dirty 

always wears white to practice—pristine asf 

secretly he loves watching you too

even if you hate him for getting on your nerves some days and almost never doing more than bare minimum, you cannot lie and say sunghoon isn’t a huge inspiration 

just as you are to him 

sunghoon thinks your tenacity and passion for tennis is what makes you so fun to watch 

so even if he has homework, he goes to a game of yours and comes down to the court after the game 

bumps your shoulder after, ‘good game, y/n’ and you’re like ?? ‘you’re here?’ and he’s sooo nonchalant when he says ‘of course, i can’t miss a fun game can i?’ 

there’s a fun mixed doubles tournament for a whole gift basket of things and you come up to him 

‘hey let’s pair up’ and he grins 

you two play each other for practice and you’ve tied the score so many times you’ve lost count

and sunghoon’s a little annoying but oh lord he’s so attrative??? so maybe he wasn’t THAT annoying…

mixed doubles tourney rolls around and oh yeah. you two win.

you know much he likes natto and you say ‘here you take the natto’ he shakes his head ‘no you eat it all the time’

you two bicker and you say ‘fine lets just share it!’ and to your surprise..he opens the package and just mixes it all in 

you two sit and share the natto, then he tells you he thinks you’re pretty cool on court 

you raise your eyebrow cuz where is this coming from!! and he rolls his eyes 

‘nevermind maybe you’re only bright on the court’ 

‘hey what’s that supposed to mean!!!’ you take the natto and eat all of it LMFAO and then he pouts because noo his natto!!!

you kiss his cheek. it’s ok everything is ok now he is a happy boy 

“you’re my match” you write on a tennis ball pin and he keeps it on his bag like his life DEPENDS on it

˚୨୧⋆｡˚ ⋆ KIM SUNOO

THE CUTEST VOLLEYBALL SETTER EVER 

i hate to be like oh you’ve had the fattest crush on him for like two months BUT ITS TRUE 

you’re on yearbook and you make an excuse to go see sunoo play!!

you two met when you were at a volleyball game and you told him to smile, but he’s one of those guys who says “wait delete that take another one!!” 

and ofc you agree, snapping a few cute photos of him

he posts to his social media, tagging you with a cute song saying ‘thanks photographer :3” 

and so you it begins, your small little crush on him..

he loves seeing you at his games, always makes sure to wave to you on the court 

hey so setter sunoo is insanely good at what he does 

so graceful when he places a NASTY setter dump on the other team, a glare shot at one of the other team’s members bad-mouthing him, but a glowing smile as he high-fives all his teammates! 

super supportive, and you loveee that about him!! he cares so much about everyone it makes your heart warm 

“here, let’s eat together,” you tell him, and you bring him some noodles you made because he said he was craving some 

he smiles at you and sits down, beginning to slurp slurp slurp and SCOREEE he loves it 

“thanks y/n, let me treat you some time :)” UGH DEAD DEAD 

KIM SUNOO KING OF FLOAT SERVES 

huge smile on his face when it lands where it needs to, he loves that feeling of satisfaction and soaks up all of your praise after his games are over 

he slips out of practice sometimes to see what you’re doing in yearbook, and he’ll take your camera to tell you to smile as he takes pics

someone in your class tells you too to look overfor a photo , so he loops an arm around your shoulders to pull you close and smile 

AND OH EM GEE UR LIKE TOTALLY GEEKING OUT OVER IT HELLO??????/ 

you ask her to print you a copy of it to save in your scrapbook, but sunoo cuts in and asks for another one 

“i like seeing you” DEAD IN A DITCH esp when he smiles at you and then runs off to practice before he gets in trouble

so competitive on the court and it makes him a little sulky when he loses 

“argh i did so bad today” he’d tell you, but in your eyes hello kim sunoo could do no wrong!! and you share your snacks while reassuring him 

he swears tho, “nooo, i had to look cool for you!” and you’re tired of hearing him say and do all of these sweet things and straight up 

“why?” “what do you mean, y/n?” “why do you want to look cool for me?” “well i liked you duh!” 

but sunoo never wanted to confess, he was too scared he wasn’t good yet at showing you all of his perfect bf traits 

WELL HE THOUGHT WRONG!! he’s been perfect from d1 so now he just sneaks in like 40 kisses before every game 

˚୨୧⋆｡˚ ⋆ YANG JUNGWON

see so jungwon, he’s been a little FLIRTY as of recently. 

“you like older guys? but im a younger guy with rhythm” WHAT THE FKSCNHDJFD

whatever. anyways jungwon focuses on badminton like it’s a lifeline 

hitting birdies in his sleep would be smth he would do if he could, he loves how aggressive he can be in the sport without moving too much, lots of strategy involved 

you come to one of his games because your friend is on the other team, and you want to cheer him on

but jungwon notices you’re literally from his school?? 

isn’t it weird you’re going to a game for someone on the other team…

so he sets off a plan 

he goes to you after the game before your friend can

“hey, how come you don’t support anyone on our team” so straight to the point help 

and you tilt your head in confusion because “well i don’t know anyone from the team and you’re all scary”

scary??? jungwon makes it his personal mission to debunk that cuz no one is SCARY 

maybe sunghoon but that’s because he’s varsity 1 and the best player within 150 miles but whatever

he makes it his mission to wave to you when he sees you and when he’s sat next to you in one of your classes he’s like yay perf 

“you’re the guy from that badminton game huh?” “is that a good or bad thing” 

you shrug “whatever you want it to be” 

and he asks you to go to his next game but if he wins, you have to support the team and if he loses 

and you stare at him like “wtf do i get out of it” 

jungwon did NOT think about that 

he promises to buy you a snack after 

and it’s free food so you can’t complain 

you two talk more and he finds out you used to play badminton before you hurt your ankle and wanted to focus on school 

so he takes you to practice and gives you one of his expensive rackets

lowk falling in love everytime you laugh and chase the birdie 

jungwon pretends to hate chasing after it but he’ll still hit it back even if it’s out of bounds because he doesn’t want to waste your time picking it up

you two sit down and you tell him how fun it was to be able to play, and how much you missed it from your childhood 

your school holds a small festival where other school athletes go against your team modified lighting rounds 

paired with vendors and fun carnival stands, but the main attractions are always the variety of sports to watch

jungwon is one of the representatives from your school but so is your friend from the other school, so it’s heated when they play

you tie a ribbon around his racket (curtesy of sunghoon for helping you out) and write a note saying “if you do good ill cheer for you” 

AND HE WINS. so you keep your end of the bargain and cheer for him after the game is over, giving him a high five and a hug

he walks with you and asks about what you two are BECAUSE THIS IS A DATE this is date behavior 

“of course i like you won who wouldn’t”

let’s just say he gives u little kisses all over when you two are alone sigh so cute

˚୨୧⋆｡˚ ⋆ NISHIMURA RIKI

he’s been on the soccer team ever since he was a freshman and even before, retaining his cute features and mischievous personality 

when you became assistant manager you were scared but your brother heeseung was on the team and your mom told you to look after him at school 

and riki takes after heeseung a LOT when they play and heeseung even goes as far as inviting riki over 

so riki’s super good at soccer by the time heeseung leaves, but he also has this small crush on you that heeseung’s told you about 

you just never said anything because you never had a reason to nor were you uncomfortable with it 

but junior year hits and riki comes back from winter break with pitch black hair all styled 

also…a lot taller than you. and no more baby fat 

and you paid attention to some of it because you saw him for practice, but the hair really did it 

during practice he loves to mess with you saying things like “can you fill up my water y/n pleaseeee” “no you have two feet” “ill win the next game against ____ if you get me water” “i’ll kick you off the team if you don’t win” 

he sighs and gets up, glaring down at you and you try not to let his playful stare affect you, but SOMETHING was different something was in the air

if riki doesn’t play good, it’s because his team manager aka you is NOT there 

you come back the next day to find out he was sulking and didn’t play super well because you weren’t encouraging him

“go run a lap, riki” and HE DOES JUST THAT “go practice on the field by yourself”

“how about you ask me to date you next” he grumbles 

and you HEAR him. loud and clear. 

but you’re like agh what if he doesn’t mean it what if he’s just joking 

at the next game he does super well and you congratulate the whole team 

yas team hybe eats 

you two are getting ready to go home when he finally brings it up

“you heard what i said on tuesday” and you know exactly what he means 

“yep.” “so why didn’t you say anything back” “i didn’t know if you were being serious”

he scoffs “y/n when have i ever not been serious about you”  

he opens your door even if he’s passenger princess 

makes fun of you for how much closer you need the wheel to be to drive

YAYYYY Y/NKI IS REAL

he loves to drape an arm around your shoulder walking around school 

acts as if he’s older when you two are literally the same age HELP 

reblogs/interactions are appreciated always!

have some shameless self promo for my spiderman!riki fic!

and my upcoming jake fic!

[leidensygdom]

So, what is the OGL and why are DnD creators thoroughly screwed?

Tumblr has not been doing a great job at talking about this, but:

With OneDnD, Wizards of the Coast has decided to update the Open Game License (OGL). Said license is what allowed people to create homebrew DnD content and sell it, and even larger companies to use certain sorts of content. Pathfinder, for example, is built on said OGL. This also allows streamers and artists to exist and benefit from said content.

With OneDnD (sometimes called “dnd 6e”), WOTC wants to create a much more restrictive OGL, which will, amongst other things:

Make WOTC take a cut for any DnD-related work (according to Kickstarter, a whole 25% of the benefits)

Let WOTC cancel any project related to DnD up to their discretion

Let WOTC take ANY content made based on their system, and re-sell it without crediting you, or giving you a single cent

And most importantly, revoke the old OGL, which will harm any company or game system that used it as a base, such as Pathfinder. And it means they GET ownership over any homebrew content you may have done for 5e in the past!

It’s important to note that OGLs are supposedly irrevocable. They were planning to use it for OneDnD initially, but they want to apply it retroactively to 5e, somehow. Which is illegal, but lawyers have mentioned there’s a chance they may get away with it given the wording.

This means that anything you make based on DnD (A homebrew item? A character drawing? Even music, according to them?), can get taken and used as they deem appropiate.

These news come from a leak of the OGL, which have been confirmed by multiple reputable sources (including Kickstarter, which has confirmed that WOTC already talked with them about this), and was planned to be released next week.

So, what can we do?

Speak against it. Share the word. Reblog this post. Let people know. Tumblr hasn’t been talking much about this matter, but it’s VERY important to let people know about what is WOTC bringing. 

Boycott them. Do not buy their products. Do not buy games with their IP. Do not watch their movie. CANCEL your DnD Beyond subscription. (Btw, they ARE planning to release more subscription services too!). They do not care about the community, but they care about the money. Make sure to speak through it. 

And maybe consider other TTRPG systems for the time being, Pathfinder’s Paizo has been much nicer to the community, their workers are unionized and are far more healthy overall