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Messages - Conan

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You get the currency back as the machine rejects it

I insert a fortune cookie fortune

Forum Games / Re: Describe the above user's avatar with one word v2
« on: February 18, 2024, 12:38:06 AM »

Forum Games / Re: Word Association
« on: February 18, 2024, 12:37:22 AM »

Forum Games / Re: Word Association
« on: February 17, 2024, 03:53:15 PM »

Creativity / Re: progress
« on: February 17, 2024, 10:31:10 AM »
yeah been kind of crazy following your growth in style and skill over the past near decade

congrats on making it to pro tier, belated as it may be

Creativity / Re: Drawings Megathread
« on: February 14, 2024, 03:46:34 PM »
most subtle request for fanservice

quality art as always

Off Topic / Re: how have the last 5 years been for you?
« on: February 14, 2024, 03:43:38 PM »
good to hear, gl on the rest of your journey

Creativity / Re: Drawings Megathread
« on: February 04, 2024, 09:55:31 AM »
the mechas grow in number

General Discussion / Re: someone's out here making some bangers
« on: February 01, 2024, 07:14:57 PM »
making it out of the bedroom with this one

edit: every one of his tracks is perfect blockland themed garbage and i wouldnt have it any other way

« on: February 01, 2024, 07:13:04 PM »
god damn peak toby

General Discussion / Re: Blockland rebuilt
« on: January 31, 2024, 09:48:27 AM »
youd probably be best off asking in the rebuilt discord, as opposed to the forums, i think

Drama / Re: :)
« on: January 29, 2024, 06:44:17 AM »
hi stripping wires im conan

Drama / Re: :)
« on: January 28, 2024, 08:07:51 AM »
tempted by the lower initial rates or pushed hard by the bank or just not aware of how bad it can get with compounding interest. current fixed rates suck ass but its better than getting forgeted down the line esp if the house value doesnt appreciate and you cant sell it to get out of the mortgage.

Drama / Re: :)
« on: January 27, 2024, 08:12:05 AM »
mortgages = get a loan for your house
loans have interest rate, meaning you will end up paying more than you borrowed back over time

fixed rate interest = interest rate is locked in at time of signing the loan. means you know exactly how much you'll end up paying by the end of the loan, and they cant change the interest rate
variable rate interest = interest rate can change, which means if inflation goes bad your rate can go up. may be advertised as the rate can go down, or the starting rate of the loan is low (and possibly fixed for some time) but you can bet your ass they will jack that stuff up the moment they can

do the math upfront and make sure you can afford the mortgage. another thing that's happening a lot these days is low upfront down payments, which make it super easy to "buy a home" but also means more of the home cost will now have interest applied, meaning you'll pay more in the end compared to higher down payment loans. always read the loan terms and give yourself a lot of time to think it over and do research.

Drama / Re: :)
« on: January 26, 2024, 06:50:58 AM »
idk if it applies to you but be very wary of the low down payment mortgages and especially variable rate ones cause they can forget you long term.

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