
Tacticslion |

Tacticslion wrote:D-dang it, Banner Saga. Why this choice right at the last minute?! Alette or Rook?! ARG!! >:(
(I'm giving it to Rook. I have a strong suspicion the arrow-bearer won't make it, and Alette needs to live on.)
WELP.
I-I'm done. Daggum this amazingly awesome game. I heart and hate it so...
For the record, this is a strong recommendation.
EDIT: Not that strong! *re-clothes*

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Mothman wrote:MOTHMAN! Welcome back! You have been severely missed. I hope you are well.Hey all, how have you been for the last 85,000 or so posts?
Apologies for my unexplained absence, thanks to those who tried to reach out.
Hi, thanks Tordek. Doing well, yourself? I see you've had a facelift (well, new avatar).

captain yesterday |
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It was really nice going out by myself last night, I realize, I need to relax more when I'm out by myself. I'm usually just trying to get done what I have to do (usually grocery shopping) that I don't relax enough to actually enjoy it. Last night was a good start, I purposely made myself slow down, and look around and not rush. As they say in What about Bob?, baby steps. :-D

captain yesterday |
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If you're going to forge a receipt to commit insurance fraud, maybe, just maybe, you might want to use a date besides February 31st...idiot criminals. I busted out laughing to where everyone in the surrounding cubicles stared at me.
Maybe, it's the Vegas for time traveling I've been searching for!

NobodysHome |
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I have lived a very fortunate life.
The child of upper-middle-class parents, I never really thought about running out of money; I always had one more credit card or one more savings account where I could extract a few thousand dollars if needed. On top of that, as NobodysWife puts it, I have an amazing knack for being able to come up with paying jobs on a moment's notice.
So, for the first time in my life, a combination of unexpected taxes, excessive spending at Disneyland, and NobodysWife being unemployed for several months, this week our total net liquid assets available dropped to barely over $100.
Yes. $100.
So suddenly I'm at the store wondering, "Do I buy milk today or bread today, because I don't have the cash for both?"
And it's not a good feeling.
And knowing that there are many, many people out there, including some on this list, for whom this is a daily decision and not just a one-time thing is quite the eye-opener.
I wish you all well. It's not a good feeling having to decide which staple you can buy and which you can't.
Tomorrow's payday, and eliminates the problem entirely for me. For others, not so much.
Thank goodness for payday!
EDIT: And I think that's why that whole, "Why aren't you a millionaire?" thread bugs me so much. On paper I'm worth somewhere in the neighborhood of $800k. But it's all in real estate and retirement funds I can't touch. So I'm standing there, worth almost a million dollars, and having to choose between milk and bread. So being a millionaire sure as heck ain't what it's cracked up to be...

Freehold DM |
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It's scary, isn't it.
Part of the reason I love paizo so much is because of their early adoption of pdfs, which are substantially cheaper than hard copies. For a while people thought this pdf boom would die when kindle and other similar devices did, I'm glad that I live in the reality where they are wrong. It's hard to have a life beyond toil when the least distraction could break you financially.

Freehold DM |
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Regarding the edit, I would say that's because the world has largely changed with respect to how money is hoarded/saved/what have you. A generation ago, money was simply kept in bank accounts or in a physical form which meant people could nip every now and again, which made wealth easier to enjoy. There were a lot of stupid things that went along with that, including scams, physical robberies(oceans eleven style, not club over the head), and loss of capital due to fire and disaster. Now things are more stable long term with large amounts of money being tied up in untouchable semi-idiot proof m funds, but that also means someone who is quite wealthy may indeed end up on welfare for a time when their job dries up, as shown in an now-old article my wife and I debate.

Aranna |
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I will re state something I said somewhere before...
Credit makes NO sense. Credit Officers make NO sense. It's like the world wrote some program for deciding a persons wealth ability and now blindly follow it without ANY regard for reality.
The only time I found it impossible to have credit was when I was in college and getting my first car. They took one look at my numbers and said "Nope! You have no credit history at all. You can't have a loan." Never mind that I was in college with good grades and had a high likelihood of having a good paying job later. NO history = NO way. Contrast that with later in life when I had lost my job and was busy ignoring all those bills I couldn't pay anyway. And the new car I wanted was easy to get a loan for... WHAT!?! When I didn't have to beg or plead for the loan I asked him what was up. I mean I wouldn't have loaned me any money at that point in my life, totally crazy! But for some arcane reason my credit score was good enough to get that nice loan and that's ALL they cared about?!

NobodysHome |
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LOL. Reminds me of when I went to grad school.
My wife and I combined made a whopping $29k per year gross. And yet because I was in grad school we received 2-3 pre-approved credit card mailers a day.
And just because I was uber-curious, I went to Chase and Zillow to get my current real estate values (Chase is a LOT better, providing a reasonable range, while Zillow is the optimistic dream price).
According to Chase, my lowest "net worth" at the moment is $537,594.49. I actually believe that number, because I've seen houses in my neighborhood going for what Chase says are the "minimum" prices for those houses.
According to Zillow, my "net worth" is a whopping $961,411.29.
Which pretty much tells you what "net worth" is worth as a figure when it involves non-liquid assets...
EDIT: Oh, and in case you're wondering... WITHOUT the houses my worth is... -$327,549.51. (Yes, that's a negative sign.) OOPS! Stupid mortgage!

NobodysHome |
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My brother got me one of those poster boards with a quarter from every state we've been saving for a rainy day, not sure why he got it for me when I was 30, but at least it wasn't a tin of popcorn and a nat geo subscription. :-)
We have a friend who's been essentially unemployable for 20-odd years because of attitude and personal hygiene issues. Every year I try to find something nice for him that he could use. Every year my brother buys him lottery tickets.
I'm honestly unsure which he appreciates more...

Redbeard the Scruffy |
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You know in economies that don't believe in credit, major purchases, such as houses tend to cost roughly 20% of what they would in an equivalent market because they're not hyperinflated due to ease of accessability, and people just save up for a few years and buy them cash?
Credit is a horrible thing.

Drejk |
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If you're going to forge a receipt to commit insurance fraud, maybe, just maybe, you might want to use a date besides February 31st...idiot criminals. I busted out laughing to where everyone in the surrounding cubicles stared at me.
Maybe it is just a wanderer from a parallel world where calendar reforms went different way?

Sharoth |
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If you're going to forge a receipt to commit insurance fraud, maybe, just maybe, you might want to use a date besides February 31st...idiot criminals. I busted out laughing to where everyone in the surrounding cubicles stared at me.
WHAT?!? There is no February 31st? Since when? Why doesn't anyone tell me these things? ~grumbles~ I swear! I am always the last one to know anything important.

Freehold DM |
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HEEEY FREEHOLD!
...Didn't want to bump the other thread with a return greeting. ;)
I'm living in Arizona, working at a solar power plant, and enjoying a gamer girlfriend! What's up with you?
incredibly happy beyond words that you are happy with not just the move but the job and the girlfriend who games!
So good to see you are doing well.
For those who don't know, tequila is the FIRST PAIZONIAN I EVER MET IN REAL LIFE and introduced me to baron arem hasevaum and a few others. He is wonderful.

Freehold DM |
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Freehold DM wrote:For a while people thought this pdf boom would die when kindle and other similar devices didAnd considering those devices are still around and still doing quite well for themselves, even that prediction has failed.
I wouldn't say they are doing well, I would say other technologies adapted to their existence. I don't need a Kindle, my phone IS a kindle, as is my neighbors tablet. The Kindle I got for my wife started collecting dust some time ago, as did her mp3 player and other such devices(that i bought). I'm sure they still work, but I wouldn't go out to buy a new one. Still, mileage varies *widely* here, one of my players still swears by his ANCIENT tablet that has become his tabletop gaming platform.

Orthos |
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Orthos wrote:I wouldn't say they are doing well, I would say other technologies adapted to their existence. I don't need a Kindle, my phone IS a kindle, as is my neighbors tablet. The Kindle I got for my wife started collecting dust some time ago, as did her mp3 player and other such devices(that i bought). I'm sure they still work, but I wouldn't go out to buy a new one. Still, mileage varies *widely* here, one of my players still swears by his ANCIENT tablet that has become his tabletop gaming platform.Freehold DM wrote:For a while people thought this pdf boom would die when kindle and other similar devices didAnd considering those devices are still around and still doing quite well for themselves, even that prediction has failed.
I can read my Kindle books on my phone, but it is immensely uncomfortable, as well as unwieldy to operate the in-phone Kindle program. My actual Kindle, on the other hand, is far more comfortably sized and shaped for long reading sessions - being about the size of your average paperback - and extremely simple to use without the more complex menus and submenus the phone version comes with.
I'm extremely happy with it and wouldn't trade it for the alternative options for the world. I'm rather dreading the point if something were to happen to it or its lifespan simply happened to give out, as replacing it would likely force me to get a tablet that would try to do more stuff when all I want is another digital reading device, nothing more.
But I also still keep music on my MP3 player rather than my phone - the MP3 player holds FAR more (16 GB, compared to a paltry 2 on the phone), and again is far less complex to use. I do use the phone for on-the-go web browsing and for Skype when I'm away from home, but that's limited by my monthly data allowance or access to unpassworded WiFi, so I'm not constantly using it to play stuff off Youtube or anything.
So maybe I'm the odd one out, for preferring NOT to shift everything to the single consolidated device and rather keep all my separate, more specialized electronics.

Redbeard the Scruffy |
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Orthos - your opening argument for a kindle kind of is an argument for a tablet... I mean you make a good point vs a phone, but not an iPad, except maybe price, and generic tablets sell for under $50 if you know where to look.
And yeah, I LOVE consolidating my crap into one easy to find device, and most people agree...

Orthos |
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The price is one of the big things, yeah. But it's more that I don't want something that does anything BUT read books; see the second paragraph. Unless I'm incredibly ill-informed, even the most basic tablet still comes more equipped with other stuff - web browsing, games, other programs, etc. I don't want that. I have a laptop for that. I strictly want a machine for reading my Kindle books and buying more. No more, no less.
And yeah, I LOVE consolidating my crap into one easy to find device, and most people agree...
I suppose. I am not one of them.

Orthos |
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Reason 1: Kindle books tend to be cheaper than physical copies.
Reason 2: Downloading books is far more accessible and convenient than going to a bookstore or library to acquire a physical copy.
Reason 3: A Kindle full of books is far more easily transported than a library of physical books.
Reason 4: Libraries are an immense pain for me to use, much to my extreme irritation. The convenient one to reach, right next to where I work, charges $50+ for a membership (without which you CANNOT take their books) unless you are a resident inside the city of Chattanooga proper - suburbs don't count, much less someone like me who lives just across the GA border. The library in Ft. O is only open 8-4 Mon-Thurs, meaning I cannot access it except during an extremely limited window on my lunch break, involving a 20 minute drive there, maybe five minutes to look around, and 20 minute drive back to work to avoid my lunch break going too long.
Reason 5: Time. Travel time, wait time for library-to-library transfers, waiting if all copies of a book are checked out, and other delays. Or I can just buy the Kindle version and have it within 30 seconds.
All that aside, saying I don't like all my electronics consolidated - especially when the consolidated object is doing the job maybe a third as well, on a good day, as the individual specialized machines - is a far difference from saying I don't like any consolidation at all.

captain yesterday |
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Well if you don't like consolidating, why get a Kindle? Why not buy books? If price is the reason every major or even medium sized city in America has a library, and their interconnected share programs can get almost anything...At least here in Florida you can.
Libraries can be a pain in the ass, especially if they aren't on your usual route, I tried it, it didn't work very well.

Rosita the Riveter |
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Orthos wrote:I wouldn't say they are doing well, I would say other technologies adapted to their existence. I don't need a Kindle, my phone IS a kindle, as is my neighbors tablet. The Kindle I got for my wife started collecting dust some time ago, as did her mp3 player and other such devices(that i bought). I'm sure they still work, but I wouldn't go out to buy a new one. Still, mileage varies *widely* here, one of my players still swears by his ANCIENT tablet that has become his tabletop gaming platform.Freehold DM wrote:For a while people thought this pdf boom would die when kindle and other similar devices didAnd considering those devices are still around and still doing quite well for themselves, even that prediction has failed.
When I set out for a new PDF reader, I didn't even consider eReaders like the Kindle. I went straight for a full tablet, and my Nexus barely has load times with Paizo PDFs when my iPad would take at least 30 seconds to load the first pagesa, and another 30 every time you skipped around the document. Kindle can't beat that, and Nexus does a ton of things Kindle doesn't, while being compatible with Kindle books.