paultimate14 @ paultimate14 @lemmy.world

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2 yr. ago

Cool story. Not sure how it's relevant.

I would disagree with you on the pedantry. There would be two separate transactions: a buy buys the property from the seller, and the borrower borrows from the lender.

The property is treated as collateral, but the buyer/lender is the owner of the property. Mortgages are a bit special different from most common consumer debt because of the timing- the transactions need to be simultaneous because you need to have the collateral to get the money, and you need the money to get the property, but afterwards you still have ownership of the property.

Whether it's a mortgage, a car, putting a latte on your credit card, or a multi-billion dollar corporate acquisition it's the same.

That aside, the rest of your comment I agree is good advice to consider, but it's just part of the equation. You're assuming the mortgage is actioned as plan throughout it's lifetime. However, the borrower has options. They might want to pay early and will save a lot of interest that way (maybe more than just interest if they have PMI). There's also the option to refinance out of a higher rate later on.

Also... You're comparing two different things by asking if a house listed for $300,000 is worth $700,000. In order to do a fair comparison, you need to do the same calculation for every house you consider and for the entire market you're basing your expectations around. The only houses worth $300,000 when you factor in the interest of a 30 year mortgage would be a fraction of that cost. Or if you're comparing to the alternative of not buying, then what you really need to compare is the cost of renting vs the interest you expect to save in whatever period you expect to defer buying for.

Except even then you can plan to refinance. There's tradeoffs- it's a pain and you have to pay additional costs, but if the rate is that much of a problem it's usually worth it. Plus the additional history of a few years of mortgage will likely help your credit score.

And there's even more context. You're talking about buying today- my parents had immaculate credit and a huge down payment when they bought their house in the 80's. Their interest rate was 15%. The US has had artificially low rates for decades, to the point where people are considering 6% and 7% to be "high".

Rates will certainly impact who can or cannot afford to buy a home of course, but the only ones who are deferring purchasing at all for that reason are people viewing their home as a financial instrume that needs return on investment. If you need a home for shelter, a slightly higher rate is still a way better financial decision in the long-run than renting most of the time.

people put off buying homes and other big purchases because they know it will be cheaper later

What absolute drivel. This myth was obviously formulated by some wealthy economist who had only ever worries about purchasing vacation homes.

People put off buying homes UNTIL THEY CAN AFFORD IT. How many people does the author think are currently in the streets or renting for years just so they can save a bit on their mortgage? Completely garbage.

I feel the same and I think I've narrowed it down to a handful of things, in no particular order.

1. The environment design. Fallout is mostly wastelands, with just a few settlements scattered around. Everyone is fighting each other, plus the monsters that are encroaching on civilization. Everything is a shabby remnant of the past shoddily cobbled together. Even the entire settlement system in Fallout 4 is based on gathering scrap and taping it together. In Skyrim, you can mine and process the minerals to make the nails to put your house together. Skyrim has ruins and remnants of past civilizations, but a lot of the buildings and infrastructure are still in good condition, and there's fresh growth. The wilds of Skyrim are much more diverse than the wastes of Fallout. Fallout 3 in particular has the annoying green filter on everything unless you mod it out. It doesn't feel like there's really a world left to save- it seems like everything is doomed to chaos and anarchy.
2. "Survival". I would not put Fallout in a list of survival games, but it does borrow a lot of elements from the genre. I understand what they're going for, but I don't like the resulting gameplay. Constantly scrounging for weapons, ammo, and resources getd really boring really fast for me. Managing health and Rads too. Every combat effectively takes twice as long when you factor in the time you spend to recover the resources you used.
3. Guns. I know there's a schism in the Skyrim community between those who mod in guns and those who don't. I see a few problems with guns in Skyrim, and most apply to the vanilla Fallout games too. BGS just isn't great at gun play. The feel of the weapons, the environmental design, ammo distribution, enemy AI, physics engine, the sound design... BGS isn't particularly great at any of it. When the ranged combat is a supplemental element of the gameplay that's fine- Bioshock has 2 great games despite mediocre combat mechanics, and the Elder Scrolls games are similar with their bows and ranged magic. Fallout puts the ranged combat front and center, and it falls apart.
4. Progression. I think this is why I love Skyrim, and the source of it's commercial success. I was no stranger to RPG's before Skyrim (both videogames and tabletop), but the ones I enjoyed were imusually in spite of the leveling systems. Usually a lot of grinding and overly complicated systems with points, skills, abilities, etc.

Fallout uses one of my least favorite systems- general experience gained (mostly through combat) that leads to an overall character level increase, which then grants points that can be used to improve specific skills. You want to get better at lockpicking? Go kill something. Barter, speech, science, repair, medicine... The answer is to kill something. Improve the Energy Weapons skill? You can kill something with Small Guns or Melle and it's just as effective. It completely disconnects the actions you take as a player from the development of the character.

Skyrim is the opposite. To get better at lockpicking, you pick locks. To get better with a shield you use a shield. It's both intuitive and satisfying. Other RPG's boast more complexity, flexibility, or realism, but I think Skyrim really hits the sweet spot between accessibility, realism, and customization.

This also ties back to the survival aspects I mentioned earlier, because I also felt like equipment was much more important in Fallout. Your damage there is often more about what gun you're able and willing to use than anything to do with your character. In Skyrim, a character with a high one-handed skill and perks can have pretty good damage with just about any one-handed weapon. There's variance of course- you can tell the difference between an iron sword and dragonbone. But the smithing and enchantments mitigate a lot of those differences. If you haven't focused on enchanting yet you might choose a lower-pedigree weapon with a better enchantment.

5. Lore. This is subjective of course, but I think Skyrim and the rest of the Elder Scrolls just has better lore. The alt-history of Fallout isn't terrible, but it's hard to compete with thousands of years of over a dozen races, various factions, and pantheons of gods interacting with each other. I love reading the books, listening to the dialogue, finding carvings and paintings in the textures or on the item models. Fallout's lore is mostly either "where were you when the bombs fell?", "that asshole leading a group of roughians is being a real jerk", or "Wow Vault-Tex was really unethical ". My wife and I have spent dozens of hours watching YouTube videos breaking down ES lore- everything from speculation about the godhead and very nature of the universe to the one NPC who is vaguely connected to a faction thought extinct.

You think most adults were 100lbs heavier than me at 18?

No. I never said that. I have no idea why you think I did?. According to Guinness, the heaviest baby ever birthed was 22lbs in 1879 (and only lived a few hours). I'm going to go out on a limb here and guess you were born weighing less than that, and spent a considerable portion of your early years weighing less than most adults.

I think you're construing this into specifically abusive and destructive people. Those do exist, but my comment was referring to a broader scope. Anger can be a valid emotion, and there are healthy and unhealthy ways of handling it.

Ultimately, my point is that the original comment I replied to was ridiculous.

I straight up don't believe that you were never in a room with an angry adult as a child. Personally I was never sexually or physically abused, but I know plenty of people who have been. A lot of strides have been made over the last several decades to improve parenting, but no one can be perfect for 18 years. Plus you add in teachers, coaches, or other community leaders that might be trusted with children.

The most important part of my comment was just pointing out the absurdity of the comment I was replying to. I could also point out the extent of hyperbole they used- the average American adult male is ~30 lbs heavier than the average American adult female, per the CDC. Or... Well, I could dive deeper into it but ultimately this whole conversation is based in bigotry and isn't worth looking at much more closely than that.

On the contrary I think you'll find close to 100% of them were indeed children at one point.

And the question was designed to create this divide

It's literally just a classic page from the bigot's playbook, but since it's being used against cishet men for some reason that makes it okay?

If JK Rowling said she would rather go to a bathroom with a bear than a trans woman I think we would all rightfully call that hate speech.

If a white supremecist said this about black people it would be dismissed as racist nonsense. I've seen a lot of defenders saying that this is somehow different because violence by cishet men against women is real. How many years have racists loved to use the good ol' "did you know x% of crimes are committed by x% of the population" tactic for?

And I see the "not all men" getting tossed around. How is that any different from saying "I know not all Muslims are terrorists. The good ones know we aren't talking about them"? Change the conversation from cis men to anything else and it gets called out as hate speech. It does nothing to help solve any issues or lead to a better society.

I think you'll find most satanists like Carl Sagan just as much or even more than Satan.

Tough call between the Dualsense and the Dualshocks 1-3.

The Dualsense has great features, but is large enough and bulbous enough that I'm forced to use a full palm grip. That's good some of the time, but sometimes I like a lighter finger grip that the earlier Dualshocks allowed for. I think of it similarly to claw vs palm grips on mice. A full palm grip on either can get too sweaty over time. The Dualshock 4 is a bulbous mess that fatigues my hands. On all of them, the plastic feels premium and sturdy and really fits well together. Plastic molding is an art, and they are good at it.

I have a few 8BitDo's and they are all good too. The Pro-2, SN30 Pro, and Ultimate C (their naming conventions are flour of control). A bit cheaper feeling than the Sony offerings, but still pretty good.

The Xbox Series controller is... Fine. The plastic feels cheap, the face buttons feel cheap, it's too big and requires a palm grip, the R1/L1 buttons feel cheap, the d-pad is one of the worst in history. The analog sticks almost feel great except they're too tall.

Shout-out to the Steam Deck for feeling phenomenal. Also shout-out to the RetroBit Genesis controllers- they feel really good, but the lack of sticks and fewer buttons than most modern controllers makes it hard to use for modern games.

The JoyCons are awful. Most 3rd party options are better but I still haven't found one that I really like.

The GameCube and N64 both feel kind of cheap. I think the plastic is a bit thin, and the sticks and buttons rattle around slightly.

What are you talking about?

Sony's Japan studio's own library was always gimmicky games that were basically tech demos- Ape Escape was for the Dual Analog controller, LocoRoco for the PSP, Gravity Rush for the Vita, Knack to be a pack-in for the PS4, and games for VR, Move Eye toy, etc. In fact it's kind of hard to find games they did on their own because they've always been mostly a support studio even going back to the PS1's launch lineup, and they are continuing that. There have been several studios that make original games that started as part of Sony Japan that have been spun off into separate teams too.

I'm struggling to think of many studios Sony has closed. Sony London studios was similar to Japan- mostly just games to go with hardware gimmicks like the EyeToy, SingStar, and Wonderbook. It's even harder to find studios that Sony has purchased and then closed or turned into a support studio- I guess you could count that Psygnosis was purchased and merged into London studios back in the 90's, but considering they went 20 years between that merger and closing I doubt there were many Psygnosis devs left there.

A quick search pulls up PixelOpus, a tiny studio Sony formed from 9 college grads with a couple of industry veterans to lead them They released 2 small games and were closed last year.

I don't mean to be too defensive of Sony- they did close one of their own studios and laid off ~900 people this year. But it's not really a comparison to Microsoft who now has a long history of buying 3rd party studios, mismanaging them, and closing them.

I'm also confused about your comment about Xbox making more single player games than Sony. First of all... I would expect that to generally be true. It looks like Sony owns 21 studios while Microsoft had 40 as of the Activision-Blizzard acquisition. And while a lot hasn't been announcedwith release dates, we know of a handful of single player games Sony has in the works- Horizon 3, TLOU3, Ghosts of Tsushima 2, and new IP's from Bend, Housemarq, and BluePoint. Plus Wolverine, and you could argue whether Physint should count or not since that's a partnership between Kojima and Sony-owned Columbia Pictures. If you're trying to imply that Sony is abandoning single-player games or something that's pretty far from the truth.

I wonder how many promises Microsoft made to the FCC and other regulators about how their mergers and acquisitions wouldn't result in layoffs?

Local pizza places are usually both cheaper and better than chains, at least in every neighborhood I've lived in. I think they are better than frozen pizzas, but also about 2x the cost. Both vary from place to place though.

Aldi's pizzas are my go-to for value. Usually around $6 a pop now (they were $3.29 pre-pandemic). I add extra cheese and toppings to remind myself I've made it in life.

I use Steam Link on the Deck to do this often. Personally I just leave it in 16:9- the Deck just displays horizontal black bars to get from 16:10 to 16:9. For me that's just part of the Deck experience because even a ton of games I play locally are 16:9 only, or even 4:3.

You can choose to match the resolution as well. On your host PC go to steam -> settings -> remote play -> [advanced host options] and look for something like "Match desktop resolution to client".

It also depends on what you are doing. I find that more resource-intensive games are often better streaming- better battery life with less heat and fan noise on the Deck. So changing the individual game settings to 1200x800 works well.

I don't use that just to access files though. I have several folders on my desktop set up as SMB shares and installed another file explorer (Nautilus) to access it. I mostly use it to move around PS2, GameCube, and Wii roms- everything else is either just permanently on my SD card or I'm able to regularly install via Steam.

For non-Steam game saves, I set up SyncThing to synchronize across devices.

I really miss front-facing speakers. It's one of many features that phone manufacturers have removed from phones over the past decade.

You can also do the opposite though. The Switch had 0 backwards compatibility. The GameCube, N64, and SNES had 0 backwards compatibility. Hopefully this article is legit.

They tried banning alcohol. There was enough popular pushback they had no choice but to un-ban it.

There was less popular demand for marijuana. It seems like it's moving in the same direction, just more slowly.

He started this process in 2022.

I've seen several articles whining about this patch over the past several weeks. They all have the same vague complaints, but the only real tangible and provable one seems to be that some mods break, and Fallout: London was delayed.

I've seen claims of crashes and FPS drops, but no actual data or testing to back that up. It seems like a classic case of the Internet circling around and making something into a much bigger deal than reality.

Everyone I've seen commenting who has actually tried it themselves seems to have positive feedback. I installed it briefly on the Deck myself to try it out and it seems fine, although I don't care enough to put in hours of proper testing.