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Thia Halmades

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Posts posted by Thia Halmades

  1. 5 hours ago, Nekkidcarpenter said:

    We have been trying to get our mortgage refinanced for several months now.  


    Both my wife and I have 725+ credit scores (hers hovers around 800)


    We've made 13 mortgage payments a year since inception, so a lot of bonus principal paid off


    She's had the same job for 10 years, whereas I switched to being self employed 4 years ago, a year after first getting the mortgage


    We have reasonably substantial retirement savings


    Our home value has increased by over 20%


    Admittedly, I treat my company as more of a 'gig' than a job, as it allows me to spend lots of time with my 3 kids 11,8, and 1, but I still paid myself 20k in salary last year


    What the heck is wrong with Wells Fargo?



    Is Wells your Servicer? Have you spoken to a loan officer directly? (Two separate but equally important questions). If all else fails you have two basic options:


    1) Walk into a branch office (mask on, please) and make them take the application on the spot. They have to, under those circumstances. 

    2) Find a different lender. I generally recommend a mid-size lender, local to you, but your bank may give you a better deal. 

    As to what’s wrong with Wells? Top five banking institution currently swamped with requests, most likely. No matter how agile you are, enough marbles will eventually trip you up. And there’s a lot of marbles right now. Nothing “wrong” as much as overwhelmed. 

  2. 9 hours ago, BoloOfEarth said:

    I'm in the process of refinancing our mortgage (adding in our HELOC and a loan we took out to cover some basement work).  Also got a 2.75% interest rate (which is a full percentage point lower than our current mortgage).  They've run our credit reports (pretty good), done a house assessment (higher than I expected), and are requesting the title commitment, so hopefully we're in the home stretch.  


    How conversant are you on land contracts?  

    The lease to own option directly between buyer and seller? Moderately, but not extensively. Ask me anyway and we’ll see if we can’t find your answer though. 

  3. I had to struggle to read it because of the gray scale, but once I got through it, I realized what you’ve described is a Lantern Ring. So there’s two ways to do it, and both were covered, either:


    An MPF, or multiple MPFs, as applicable. For example, you can put all three flight powers into a single MPF, all “melee” shapes into an MPF, and all range damage, etc. Second thing, remember that healing in HERO is very expensive, by design. 


    As a writer, and a DM, this special effect is lacking. I’d be looking for a lot more definition, clearer examples, were there famous demons who had signature abilities? Things to think on.

  4. On 10/14/2020 at 9:31 PM, Hugh Neilson said:


    Without thinking too hard on it, I like this idea.  You start the day applying -1/2 as 8 charges.  You use four of them, but you are seeing that they will not be enough to get you through the day.  You can trade off the limited uses, but you'll have to replace Charges with -1 of other limitations, since 4 charges (the number you have left) is a -1 limitation.




    This. I KNEW something was bugging me, and it’s this; as the Charges are consumed, the remaining constitute a greater limitation, so Hugh is absolutely right. There’s a lot of weird variables that can be considered here, many of which were mentioned, but I think this is interesting and different. I’d allow it.

  5. Not an ad, as I’m not a lender, but I am a subject matter expert (SME, in my business slang). Mortgages can be confusing and intimidating, and currently, rates are quite literally at all time lows the likes of which I never expected to see in my lifetime. As a point of reference, we just bought a house and I managed to secure a 2.75% interest rate. If you are interested in purchasing or refinancing, I can answer the common questions.


    If you have a question related to the industry, to your own circumstance, or just how everything works, this is the thread to post those. I’ll answer what I can, provide guidance where applicable, and redirect as necessary. My specific expertise is in origination (getting a loan) and Servicing (the process of receiving remitted payment and what happens when payments aren’t made).



  6. Hay girl hay.


    I’m thinking by “City Strength” you mean this is a Dark Champions style game, he’s strong, but has some limitations. All those things considered, I’m going to say this:


    Broadly, you want to know what your campaign caps are. If your PCs cap at 20, you want your NPCs to (generally) cap at double that “unless” there’s a super compelling reason to go above/beyond that threshold. For me, I’d go with 40 STR to start.


    Then, you want him to create shockwaves; that’s not a function of strength, that’s a Power that deals damage that for consistency you can make EQUAL to his strength (in this case, 8d6 Normal, or you can go slightly higher while adding some Extra Time to represent the wind-up), and add your appropriate modifiers, such as AOE Cone,  Knockdown, etc.


    If you’re punching through dirt, you can do that as Tunneling, one of the most under utilized movement powers in the entire game.


    The point of this being, I don’t think telling you what the strength of the character is actually answers your question. If we think in “HERO terms,” as I’ve said... IDK, too many times now, then we’re asking what it is we want to do, then work out the best way to do it. You wanted to bend steel — for that, just STR is sufficient. You wanted to create shockwaves, that’s a Blast AOE cone. Last but not least, moving earth is a bunch of things, but I’d go with Tunneling. 


    Lemme know if that answers your question, I’m happy to help. 

  7. On 10/6/2020 at 9:49 PM, Pegasus40218 said:

    Something to consider is that, in 5e (and D&D in general), all of the characters and monsters basically have the same SPD.  In HERO, that's not going to be the case.  In a typical Fantasy HERO campaign, you'll probably have characters and/or monsters with SPD values ranging from 2 or 3 to 5 or 6 (and possibly higher for certain monsters [quickling, anyone?]). 

    I considered this, but I think the mechanics of the spell, in this instance, are better preserved by limiting the actual action economy down to a half phase. An argument can be made for SPD reduction, and in many cases it’s the right answer, but in this instance I’d be looking to shake it up. Mind Control to CON is how I would do it (YMMV). 


    @Arkhayne you asked this:






    i'm trying to make sense of  this


    " A character cannot Push a Haymaker 

    (though he can Haymaker an attack he’s Pushing)."


    champions complete p 150


    can you help me ?




    And I’m here to kill you! I mean. Help you! Sorry. My inner ninja springs out of the shadows sometimes. Where’s my hat? Ah. Here we are. 

    Short Answer: Only purchased powers or abilities can be Pushed, while a Haymaker is a maneuver, meaning you can push the power then Haymaker it, but you can’t push the haymaker itself. 

    Long hand version:


    Haymaker: Spend a 1/2 phase, tank your DCV (-5), add 4 damage classes (4d6 Normal, or 1d6+1 KA, roughly). It’s a standard combat maneuver, and it can be used on DNA. That’s Thia slang for “damn near anything.” 

    Pushing a power, though, costs END, must be declared in advance, and has a lot more GM discretion around it. Many things can be Pushed, but it’s not nearly as common a use case. Further, that END is spent in advance, regardless of whether the attack lands, but a Haymaker doesn’t have its own END cost. 

    Hence: you can’t Push a Haymaker because it’s not a power, it’s a standard combat maneuver. You can Push a power (such as a Blast), then Haymaker that, adding a whole bunch of dice, generally not to exceed double the purchase cost. 

    Please let me know if that answered your question!




  9. For me it’s not Halloween until Jack Skellington beats the Oogie-Boogie man and Bette Middler runs around with Sarah Jessica Parker. Halloween has never been about “horror,” for me; it’s a celebration of life by recognizing that its fleeting and remembering those who came before us. But the actual answer to your question, it’s not Halloween until I’ve watched The Nightmare Before Christmas.

  10. Wow. I wrote this!



    These are the ANVIL II missiles from HERO: Combat Evolved;


    48 Anvil II ASM: Killing Attack - Ranged 5d6-1, +1 Increased STUN Multiplier (+1/4), No Range Modifier (+1/2), Armor Piercing (x2; +1) (192 Active Points); 8 Charges (Must be Reloaded at a UNSC Facility; -1), OIF Bulky (-1), Extra Time (Extra Segment, Travels 200" per Segment, taking a minimum of 1 Segment to Reach its Target; -1/2), Infrared Tracking (Can be Countered with Flares; -1/2), Real Weapon (-1/4), Limited Arc Of Fire (180 degrees; -1/4)


    240 UNSC M19 SPNKr Rocket Launcher: (Total: 591 Active Cost, 240 Real Cost) Killing Attack - Ranged 8d6, +1 Increased STUN Multiplier (+1/4), Penetrating (+1/2), Armor Piercing (+1/2), Explosion (+1/2) (330 Active Points); 4 clips of 2 Charges (Increased Reloading Time: 2 Full Phases; -1 1/4), OAF (Universal; -1), STR Minimum (STR Min. Cannot Add/Subtract Damage; -1), Required Hands Two-Handed (-1/2), Real Weapon (-1/4) (Real Cost: 66) plus Penalty Skill Levels: +2 vs. Range Modifier with Equipped Firearms (Real Cost: 4) plus +2 OCV, Equipped Firearms (10 Active Points); OIF (-1/2), +2 OCV Only (-1/2) (Real Cost: 5) plus Area Of Effect Accurate (up to One Hex; +1/2) for up to 330 Active Points of UNSC M19 SPNKr Rocket Launcher, Reduced Endurance (0 END; +1/2) (247 Active Points); Extra Time (Full Phase, -1/2) (Real Cost: 165)


    And for a pure missile-as-vehicle, I've attached my Shiva Nuclear Missile file, which'll give you some idea of how to handle that.


    Dunno what happened to the file, I think they all got wiped, which is a shame, because that was the only place for my HERO: Combat Evolved stuff. Unless @Killer Shrike or @Simon has them lying about somewhere.

  11. 4 hours ago, Lord Liaden said:

    I'm trying to think of what war is being waged on Christianity, who the "other side" is, and what Donald Trump has done or possibly could do to "save" it. I'm coming up blank so far.


    If Eric means Democrats, an awful lot of them and their voters identify as Christians, so that seems unlikely. Donald Trump hasn't done anything legislatively to bolster Christianity, and certainly not by his Christian conduct. And it's possible the "war" might just be a refusal by many people to kowtow to those who pay lip service to that religion.


    My question has always been this: There’s this whole thing about abortion. But no one is willing to step up with daycare. Or the cost of healthcare. Or defund the military by a few million — against its trillions — to rebuild our public school system. You can’t save the children then forget about them. It’s not about being Christian; it’s code for racism and suppression of women.


    I freely admit to spit-balling here. The “war on Christianity” is all a giant gambit based on Roe v Wade; if we have abortions, then women may not have children unintentionally and thus may finish their education, get jobs, and do better than men. It’s way, way more complex than I’m explaining here, and gets into health care, day care, education, etc. But that’s “the gist.” It’s not actually Christianity, it’s about oppression.



    26 minutes ago, Hermit said:

    Pence is so full of crap he's drawing flies now?


    Oh, no. That was clearly a sign from his true master, Beelzebub, the Lord of the Flies himself.

  12. 14 hours ago, Gandalf970 said:

    One of the things they find in the search of the drug factory is a log of people who have signed into the drug factory testing lab.  Two names are significant?  Who are these people and what are they doing on this list?


    One of the people on the list is the lead police investigator. The other is the local Congress(person). (The 80s were pretty male dominated except for women who were all T&A; I’m voting for a more late-stage Erin Grey as the local villainous politician, who has leverage against the investigator, kind of ‘we know your [secret], and we’re [not afraid to use it] so you will [investigate but never find it].” Said another way, the Congresswoman is the villain, and the investigator can be flipped from being an accomplice to being an ally who may die heroically at the end of the arc.

  13. 12 hours ago, Duke Bushido said:

    Sorry, Thia: 


    Looks like we cross-posted.  I was intrigued by the idea of alternate interpretations for "rage monster," and had not realized there was a turn-based system in play. 


    I will see my way out.  (I work 12-14 hours a day; six days a week.  "turn based" means I probably won't be available when my turn comes around). 


    Still, I will keep watching!  :D


    And my replies have been merged, so let me go back up there and break them.    ;)


    Never apologize for sincere participation! Gandalf has been “GM by post” so we go scene to scene, that’s why I kicked it back to him. Please continue to post, love having you onboard, Duke.

  14. 1 minute ago, Hermit said:

    Man, that guy could play. RIP


    For many people he is the single greatest guitarist of his generation, and in some of those lists, of all time. I applaud your stunning ability at understatement, Hermit.


    I’m... grateful? That my own rock icon, the late Freddie Mercury, after whom I pattern my own singing, is already gone. Otherwise 2020 would kill him out of spite and I can’t take much more.

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