If you are playing the LOD Nova Necro like everyone else this season, don’t underestimate the impact your follower can have if you are playing solo. I spent a lot of time (too much time) optimizing my enchantress to survive GR150s and having access to all the skills is kind of a game changer. It’s like having two extra piece of equipment - elemental damage, damage multiplier, cooldown reduction, added toughness, attack speed boost, soft crowd control beyond the range of your ring, along with a death cheat (albeit a poor one compared to the Templar). Against popular, or pretty much all opinion on the internet, I spent the past few days optimizing the gear for that angel and let me tell you, the difference is unbelievable. Also went completely against the grain and put every hard CC on my enchantress’s gear that I could reasonably achieve. Spent way too much time, materials, and gold on it but wow are rifts easier now. I think this season once you get to a certain paragon CC resistance just doesn’t matter this season because, even out of your COE cycle if the guardian is hard CCd it’s over in seconds. Between my enchantress and my own gear I have around a combined 25% chance on hit for hard CCs and 10% chance for soft not including jewelry. And I don’t even have to save a pylon for the guardian anymore - it’s just over lol. Running speed 140s now because I’m behind where I should be with my paragon based on how much time I’ve put in, but it seems to be paying off. Anyways, open for discussion or to share my strategy/follower gear and stats. This is getting so fun I’m putting off D4 for the moment lol.

What a toxic work environment.
Before reading this you should know I've worked in a Brick Factory in 100 degree heat with high humidity, which made the drops of sweat coming off my face splash like water balloons when they hit the ground. I've never had trouble reaching production numbers anywhere I've ever worked in any factory ever. I've always been a top performer, and I've always worked in 'top gear', aka fast. I hustle and bust my butt. It's just how I work at every job I've ever done.
I've never worked somewhere that not only expected you to run yourself into the ground, but also "soft pressured" you into doing things like not taking your breaks or breaking the rules to go faster.
All the 'fast, top' drivers? None take breaks. None drive somewhere for lunch. All break safety rules like the seatbelt trick, leave keys in the ignition, leave the van unlocked with the door open and walk 200+ feet away deep into an apartment complex etc etc. None pay attention to customer notes. Like the guy I trained with the customer note said call him when we delivered it, and he told me not to, don't waste my time doing it. If a stop requires them to call an apartment on the call box, wait for them to open the gate, then go into the elevator, then deliver the package on the 3rd floor, they're just leaving it outside the gate. This is what 'Top Drivers' do to be so fast. And every single DSP knows that. Amazon knows it too, and is okay with it and wants you to do it too.
And yes, on like my 3rd day when I had a route in a rich neighborhood in the mountains where every single stop was at the end of a 200 foot uphill/downhill narrow driveway which slowed me down alot and I was 10+ minutes from anywhere I could use the restroom, I took a break on the side of the road and peed in a 16oz water bottle because I was too afraid of getting in trouble for trying to spend 10+ minutes driving back to a McDonalds to use the restroom then another 10+ minutes back to my next stop.
This is the psychological pressure they have you under. It is wrong, and horrible. This place should be unionized ASAP.
On like my 5th day alone I was falling behind, had these weird apartments where the door was all the around the back for each stop. And the GPS is garbage, so I kept getting turned around. I forgot about the advice that I should not hit 'start travel' and just watch the dot. But by the time I figured out the layout of the apartments and remembered the trick, it was too late
Had another giant apartment complex that had like 15 stops bunched all together, around 25 packages. There was one large parking area and a dozen large units all together with no way to park close to any door. So I had to put 25+ packages into a single bag, and drag it around the entire complex. I had to do this with my back twisting a bit, which hurt it alot. I'm surprised I wasn't in severe pain the next day.
Oh yeah, btw as soon as I left the station I had to pee, but because there is so much psychological pressure I held it in for over 4 hours until lunch.
To make thing worse, before lunch there was a business closing, so I had to waste time going ahead in the itinerary and doing this one stop before 3pm, which when I got there the notes said they closed at 5. . . .
I drove 4 minutes to a grocery store, clocked out, used the restroom, ate, clocked in, drove 4 minutes back to the next stop and continued. Got a call from dispatch saying I took a 1 hour lunch and I was behind now. Then dispatch got nasty and said it wasn't fair to other drivers that they would have to come rescue me later.
Needless to say, this got me heated. Held in my pee for 4 hours, dragged 25 packages around a giant apartment complex wrecking my back, only to be accused of putting extra work on others to rescue me because I'm taking a '1 hour lunch' and taking it easy
When I got back to the station I had a very heated discussion with the dispatcher. Heated, but respectful, from both of us. I told her I was going to start taking my 15 minute breaks, both of them, every single day. I wasn't going to hold in my pee anymore, or pee in a bottle, or eat lunch in the van or any other crap they wanted me to do.
The next day, I show up for work. I get the keys to a van, and start getting it ready. The DSP owner comes up to me and takes the keys away, and says she wants to speak to me. All the other drivers leave and she says "Is someone pressuring you to be unsafe, tell me who it is. After that, you can go home because we have no work for you today."
Unbelievably obvious she sending me home as some kind of retaliation for the confrontation I had with her buddy dispatcher. I called her out for it right there on the spot, and of course she denied it. I asked her who I could talk to about what was happening, and she refused to give me any information. She said 'They will only send you back to me' with a big smile on her face. I had to find the final mile drivers number myself and report her. But her smile showed she knew she was safe, that Amazon would never side with an employee over her. It's one thing I learned working for Greedy corporations. Only customers have any kind of (limited) power over them. Not employees.
Of course Amazon listened to my report, then later let me know that she did nothing wrong. HAHAHAHA. Of course she can lie and say not giving me work the very next day was not revenge, but withholding information about how to contact Amazon and report a complaint about her? That's not wrong? Unbelievable.
And of course there was no way to appeal the Amazon verdict or ask for a second opinion or anything.
What a horrid, joke of a company. Sad part is, I have a passion for driving and delivering packages, and I was enjoying the job. But wow, I will never work for such a toxic company ever again.

I got to farming Giantstalker gear the other day to complete the set and ended up obtaining Thunderfury. Got the personal achievement and not the guild one, so I did some research and some troubleshooting and ultimately opened a support ticket. If you have the time, you should read the saga here:
https://us.forums.blizzard.com/en/wow/t/thunderfury-guild-achievement/1866277
the tl;dr of it is, I opened a ticket.
Automated response to check wowhead essentially.
responded with the troubleshooting I had already completed.
GM response to let me know to check wowhead and that they couldn't swap the weapon to another toon so I could get the achievement. (Basically they didn't read/understand the issue.)
Responded letting them know I opened a bug report and sent them the link so I didn't have to re-type it all out.
Got a response telling me bad info and also linking my as-yet unanswered bug report back to me as a source for how to fix my issue.

I am fully qualified to make this statement as a scholar and highly regarded redditor.

1. Fix shields being worse than useless. Same bug, I'm sure affects longsword parry.
   
2. Squish stats. Even with high gear disparity 1-2 shots should hardly be possible.
   
3. Nerf thrown ranged damage and ranged in general. Be Brave IronMace, you love to 'experiment'. Try it for a couple weeks, just once, where the optimal strategy for every class isn't peek and shoot.
   
4. Doubled the team size? (I hear they now have TWO guys on models and animations). Going to need to increase the pace of content generation. But not just any content, the correct content. More maps may not scale well even with rotation. You could enhance existing maps with more focus to exploration and dynamic secrets but really you need to finish new classes, and double the spells, abilities, and perks available to each class in game. This wouldn't have been so pressing if you had just done the next option...
   
5. Adjust skills and perks to provide more playstyles within existing classes
   
6. Wow Style skill trees. Or any style skill trees, just not whatever braindead lazy nonsense was originally planned where you 'unlock' the current strength of existing perks. If the skill tree only affects stat numbers and does not fundamentally change how skills, spells, perks, and abilities work then you have failed.
   
7. More weapons with a parry/block, or other unique skill expression animation.
   
8. Druid's can summon Treants. Chickens can glide. Now let warlocks summon a neutral Centaur demon and jump-glide to enemies in demon form. This is probably the most important one and will easily bring 100k players.
   

Follow these steps and success is yours. The path is lit. Take the first steps. Fix shields.

I've put together a spreadsheet with belt sizes, a gear ratio calculator, and app settings for the remote. Since I only have the Explorer I can only input that particular information. If you have the info, please plug it in for any of the other boards. I'd like to have a fully accessible and comprehensive resource for all things Tynee.
https://docs.google.com/spreadsheets/d/11ZWdEYlx4J7KHjJlbLKRuux-jrjRuAeX8BOgSqzVd38/edit?usp=share_link

Many more games have been added!
I'll be moving soon, so I gotta do some downsizing and get some extra cash. Will need your zip code to calculate shipping, but if you spend over $50 I'll waive it. While prices are based on Price Charting, haggling is encouraged; the bigger the bundle, the better the discount. Will throw in some small free stuff in bigger orders as a token of appreciation while supplies last - might be stickers, small toys, maybe a small plush. Everything is in good condition or better, but if you need pics feel free to ask. Thanks for looking!
SEGA DREAMCAST

GAME	CONDITION	PRICE	NOTES/PICS
ChuChu Rocket	NEW	$40
Maken X	NEW	$70
Phantasy Star Online Version 2	NEW	$75
Quake III Arena	NEW	$45
Shenmue	CIB	$40
South Park: Chef’s Luv Shack	NEW	$25
Space Channel 5	CIB	$29
The Typing of the Dead	NEW	$130

PLAYSTATION 4

GAME	CONDITION	PRICE	NOTES/PICS
Bastion	NEW	$55
Bayonetta & Vanquish 10th Anniversary Bundle [Launch Edition]	CIB	$20
Bloodstained: Ritual of the Night [w/Kickstarter Sleeve]	CIB	$40
Cris Tales	CIB	$8
Dark Souls Remastered	CIB	$18
Dark Souls II: Scholar of the First Sin	CIB	$18
Dark Souls III: The Fire Fades Edition	CIB	$15
Death Stranding	CIB	$8
Deception IV: The Nightmare Princess	NEW	$54
Demon Gaze Extra [Day One Edition]	NEW	$50
Demon Gaze II	NEW	$57
Destiny	CIB	$4
Disgaea 1 Complete [Rosen Queen's Finest Edition]	CIB	$95	LINK
DmC: Devil May Cry [Definitive Edition]	NEW	$20
Dragon Quest XI: Echoes of an Elusive Age	CIB	$13
Dragon’s Dogma: Dark Arisen	CIB	$22
Dusk Diver	NEW	$25
Dusk Diver 2 [Launch Edition]	NEW	$38
Everybody's Golf	CIB	$12	LINK
Final Fantasy XV [Royal Edition]	CIB	$15
Gal*Gunvolt Burst [Collector's Edition]	CIB	$65
Guilty Gear Xrd Rev 2	CIB	$20
Indivisible [Collector's Edition	CIB	$30
Kandagawa Jet Girls [Racing Hearts Edition]	CIB	$65
Katamari Damacy Reroll	CIB	$12
(JP) The King of Fighters '98 Ultimate Match [Final Edition]	NEW	$44	LINK
The King of Fighters 2000 [Collector's Edition] w/ Soundtrack	Game CIB/Soundtrack NEW	$58	LINK
(JP) The King of Fighters 2002 Unlimited Match	CIB	$30	LINK
(JP) The King of Fighters XIV [Ultimate Edition]	CIB	$20	LINK
Kingdom Hearts: All-In-One Package	CIB	$35
Kingdom Hearts: Melody of Memory	CIB	$13
Kotodama: The 7 Mysteries of Fujisawa	NEW	$14
Mega Man Legacy Collection 2	CIB	$17
Monster Hunter World	CIB	$5
Natural Doctrine	NEW	$20
Nights of Azure	CIB	$45
Nights of Azure 2: Bride of the New Moon [Limited Edition]	CIB	$187
The Nonary Games	No Manual	$20
Onechanbara ZII Chaos	NEW	$48
The Outer Worlds	CIB	$10
Persona 5 [Take Your Heart Premium Edition]	No Game, No Steelbook	$65
Power Rangers: Battle for the Grid [Collector's Edition]	CIB	$12
Psikyo Shooting Library Vol. 1	NEW	$35
Psikyo Shooting Library Vol. 2	NEW	$30
Sakura Wars	CIB	$18
Scarlet Nexus	NEW	$10
Semispheres [Blue Limited Edition]	CIB	$17
Senran Kagura: Burst Re:Newal [At the Seams Edition]	CIB	$50
Senran Kagura: Estival Versus [Endless Summer Edition]	CIB	$60
Senran Kagura: Peach Beach Splash [No Shirt, No Shoes All Service Edition]	CIB	$50	Indent on side of outer box
Shantae: Half-Genie Hero [Risky Beats Edition]	CIB	$25
Steamworld Dig 2	CIB	$18
The Silver Case	CIB	$17
Super Bullet Break [Day One Edition]	CIB	$20
Tales of Arise	CIB	$10
Utawarerumono: Mask of Truth [Launch Edition]	NEW	$25
Valkyrie Elysium	NEW	$27
Yakuza 0 [PlayStation Hits]	CIB	$15
Yakuza Kiwami [Steelbook Edition]	CIB	$35
Yakuza Kiwami 2	CIB	$30
The Yakuza Remastered Collection	CIB	$25	LINK
Yakuza: Like a Dragon	CIB	$12
Zanki Zero	NEW	$22
Zero Time Dilemna	NEW	$25

NINTENDO SWITCH

GAME	CONDITION	PRICE	NOTES/PICS
Brave Dungeon + Dark Witch Combat Chronicle Pack [B-Side Games Variant]	CIB	$65
Double Dragon Neon	CIB	$45
Gal*Gun Returns	NEW	$27
Gal*Gun: Double Peace	NEW	$27
Gal*Gun 2	NEW	$25
God Wars: The Complete Legend	NEW	$43
Grandia HD Collection	CIB	$95
Harvestella	NEW	$30
The Legend of Heroes: Trails of Cold Steel III [Extracurricular Edition]	CIB	$31
The Legend of Heroes: Trails of Cold Steel IV [Frontlines Edition]	CIB	$56
The Legend of Heroes: Trails from Zero [Deluxe Edition]	NEW	$80
The Legend of Heroes: Trails into Reverie [Deluxe Edition]	NEW	$50
The Legend of Heroes: Trails to Azure [Deluxe Edition]	NEW	$70
The Legend of Nayuta: Boundless Trails [Deluxe Edition]	NEW	$50
Liva a Live	CIB	$25
Mario + Rabbids: Kingdom Battle	CIB	$10
NEO: The World Ends With You	CIB	$19
Seven Pirates H [Limited Edition]	CIB	$140
Shin Megami Tensei V [Steelbook Edition]	CIB	$24
Super Neptunia RPG	NEW	$33

Please help me understand this 2005 Suburban 5.3 flexfuel that sounds like a diesel when you slip it in gear with your foot on the brake. It sounds fine with normal driving or in Park/Neutral. A stethoscope revealed the sound is loudest in the center bottom of the engine against the middle of the oil pan. The sound stops when I put it back in park or neutral or let my foot off the brake and allow it to roll. Also, the truck's acceleration seems to have gotten worse.
A cheap scan tool gave me no codes but reports these numbers for Park vs Drive at 0 mph:
(Park vs Drive w/foot on brake)
Calculated Load: 19% vs 44%
RPMs: 555 vs. 552 (no real difference)
Mass Airflow: 5.20g/s vs ~11.5 g/s
Manifold Absolute Pressure: 9 inHg (34 kPa) vs 23inHg (75kPa)
Throttle Position: 2.4% vs 14.9%
Spark advance: 18 vs 9 degrees above top dead center
The scan tool numbers change to reflect increased engine load with the A/C on or turning the power steering, especially turning it all the way to the side so it whines. (The power steering pump is worn out and it drives the hydroboost brakes.) The scan tool shows almost no change with the O2 sensors or fuel trims so it seems like normal combustion of all that extra fuel and air. I believe the spark ignition is delayed because the injectors stay open longer but the RPM doesn't change. Oh, it's not on the scan tool but the oil pressure gauge drops from 30 to 25 between Park and Drive... but then it shoots up to 38-40 if you take your foot off the brake and actually go.
​
The engine won't rev in gear with a foot on the brake ... it will slowly get up to only about 650 RPMs if I really goose it ... but I think maybe the computer is overriding because it revs freely in Park or Neutral. If I goose it without a foot on the brake, the Throttle position goes down to only 0 or 2 degrees and it takes a really long time to accelerate, like pulling a heavy trailer. It accelerates hard if I give it gas and it is already rolling 10+ mph.
​

Pretty much every item you can get feels completely soulless because of how the majority of the stats on it will either be "+X to the one stat that is important for your character" or "+ x HP" and some conditional damage boost. What happened to the affixes that every other game in this genre has? Knockback, elemental damage with side effects like slow on ice damage, skill boosts, resource generation on crit, chance to cause debuffs on hit, self-repairing all used to be affixes that were in the previous Diablo games, and the most "exciting" drop that I can think of from D4 that doesn't make your gear like an item from Vanilla WoW is life gain on hit.
From my point of view it seems like the cool effects are either a) reserved for the endgame that the majority of people who expect this game to be like the last 3 will never see because they will give up on it and cut their losses before they get to that point, or b) exclusively reserved for the crafting system that completely deflates the excitement of getting a cool drop because everything that's written on an item before you take it to a blacksmith and add the "magic" to a stat stick might as well just be the gearscore.
I can accept the shitty social features and shared world that only exist because some asshead stock holders think that it's what the kids want, but who the fuck thought making loot boring was a good idea? And this is supposed to be after a rework that supposedly fixed the system?!

I’ve been skating a nearly year now and I’ve tried out various setups (mostly not mine), and I think I’ve landed on the best setup (for me at least). I thought it might be interested to reflect on the gear journey. Before I get started I want to make two points; firstly I get that gear isn’t that important at the start so I’ve tried not to buy too much stuff, and secondly I’ve bought everything on huge discounts / sales.
I started with a stock 8 inch Element complete after trying my wife’s 7.75 Alien workshop and deciding that was too small (really nice complete though). Thoughts on this; got me started but the deck was heavy, the concave was too mellow, the grip tape sucked and the bushings were truly awful. Stock wheels were way too hard for rough street ground.
I changed the wheels to Ricta Crystal Cores 95a, this helped but was still a rough ride sometimes, but used it for months. I also tried my wife’s 8 inch Globe (think it was a g3) complete which made me realise the Element wasn’t great, but I didn’t like the shape of the deck.
I spotted a Santa Cruz VX 8 inch deck for half price, so after much deliberating bought that, and some Tensor maglites also on sale. Stuck with the Rictas. Had to change the stock bushings as they were awful. Went for Bones hardcore (liked them but a little hard). Used Mini Logo bearings. Was very happy with this setup for months.
Decided to see what the hype was about and bought some Dragon wheels. Wow these are a huge improvement for rough ground and are still good on park.
Tried out a friend’s Heroin egg boards (various models), so decided to get one. Bought the Teggsas Chainsaw symmetrical, with Mini Logo trucks (really like how low they are, and super cheap), stock bushings and kept the Mini Logo bearings. Got 93 Nano Cubics (again on sale, really love these!). Lastly decided to change the bearings to Bronson G3s (again huge discount), these are massive improvement over Mini Logo.
So that’s what I’ve now settled on, I thought the size of the board might make things difficult but it really doesn’t. I’ll keep using my Santa Cruz setup sometimes too, but the Egg board, plus Nano Cubics is such a stable platform to learn on.

When I first took this job, I never could have predicted what would happen. After all the years of training and the experiences that I have had throughout my life, I am pretty good at being prepared for the worst. But before I begin this story, a little bit about myself.
I was a bit of a troubled child some might say. I lost both my parents to a car accident when I was 2. After that, I bounced from foster home to foster home. I blame it on the system. Almost every foster home I was put in was terrible. The parents were only doing it for the money and barely took care of the foster children. And when Social Services came, you think they listened to the children? No. But, I took on a personality that did help throughout this time. I decided that I wouldn't take shit from anyone. When some of the foster homes' actual children tried to bully me or other foster kids, they very quickly learned not to after several broken bones. In addition, I took this attitude to the public schools. Bullies would pick on the weak, and they would suddenly have broken noses and fingers. But, since it was the public school the bullies were not punished. Only me. However when the bullies would see me or get close to their victims while I was around they would quickly go the other way. This went on for the entirety of my youth. I never had a plan for my life. All I knew was that I was unwanted anywhere, and had nowhere to go. But one day, I was passing by the living room, and I saw a commercial on the tv that changed my life's course. It was an ad to join the United States Marine Corps. After this, I found a new purpose for my life. Unfortunately I was 15 at the time. But I immediately started training myself physically and mentally for this new course. I studied at the public library since I wasn't allowed to use the foster home's computer. I started working out at the high school's gym after class. And finally at 18 I joined the Corps. The next 8 years were the best of my life. After boot camp, MCT (Marine Combat Training), and SOI (School of Infantry) I soon learned about the Raiders. Which is Marine Corps special forces. I immediately put in for it and got selected. I was able to go to several foreign countries and fight many battles. All of my fellow Marines were the greatest family I ever had. Once I was at the end of my second enlistment I decided it was time for me to enter the civilian world again. At that time, we had a bad mission and I lost my closest friends. So I did what anybody in this situation does. I found a reasonably inexpensive apartment and drank excessively for the next month. Once I felt that my liver had been well punished, I began searching for a job. Now, money was not an issue for me at this time. I had plenty in savings to last most people a couple of years. While I was in the military, I never really bought anything since I knew I would be traveling all over. I also still had money saved from the insurance when my parents passed all those years ago that I refused to spend. So I tried finding a job that I would fit into given my skill sets. After some time I found what I was looking for. It was a position within a security company that provides its services to companies in both the private sector as well as government facilities. I immediately applied and got accepted. For the next year after this, I was able to complete some training required for the job and bought my own house in Nevada. I worked as a fill in guard for multiple high ranking officials here and there within my state. But one day, I was given a position that would alter my perception of reality forever.
“John!” my boss bellowed as he entered the locker room. I had been getting my gear, body armor, and rifle ready to head to the meeting room. I look up and see this mountain of a man standing in the doorway with a large jolly smile on his face. “Got a job for you” he continued, waving a file in his hand. “What's the Job?” I asked while doing my best to give back a friendly grin. I've been told I’m not great at expressing my emotions. But I’ve been trying. “Well, good news. It's a government facility that needs a pair of guards.” My ears perked up as he said this. “Where at?” I asked with some excitement in my voice. “A warehouse in the desert just outside of the town where you live.” My shoulders drop a little with disappointment. “What sort of warehouse is it?” I ask. “It is a government funded science facility. Something about monitoring seismic activity in the area. During the evening, you and one other guard will be posted there to watch over the equipment.” I thought for a moment and I remembered the place he was talking about. About 5 miles from my home on the outskirts of town, there is a fenced off plot of land that has one large building out in the middle. I had always driven past it on the way to a rifle range and saw the no trespassing signs on the fence and didn't think much of it. “What's the uniform situation?” I ask. “Standard Polo, slacks, and duty belt.” “Body armor and weapons?” I asked, already feeling the boredom seeping in. “None required. You can wear soft armor if it makes you feel better. But there will be a locker with shotguns as a last resort. Aside from that, just your nightstick.” It is at this point I let out a disappointed sigh. After a long moment I look up and ask, “why did you pick me specifically for this position?” He looks at me with that unwavering smile and says, “well, nobody wanted to volunteer for it. So I decided to volun-tell the first person I saw this morning.” He leans over and gives me a strong pat on the back and walks out. I sigh again, take off my usual gear and just dress in the uniform he told me. I do grab my soft armor though. With my duty belt and the file in hand, I head to my SUV. Opening the file, there was the basic information about the warehouse and a padlock key labeled “Front gate”. I shake my head and begin my drive to this warehouse. Luckily, this place was in between home and our headquarters. So once I started this job, at least I wouldn't have to drive as much.
I pulled up to the gate and pulled out the key that was provided with the file. After entering and securing the gate, I look toward the building and see two vehicles parked out front. One large gray sedan and a red prius. Once I pulled up, a round looking man alongside a woman that was wearing our security uniform stepped out of the building and headed toward me. “Welcome!” the man said with a blinding smile. Man, these morning people really are something else. The woman approached me with an equally bright smile holding out her hand. “You must be my new partner. I'm Stacy. Nice to meet you.” “Likewise.” I said, shaking her hand and trying to put on my friendliest smile. Stacy, on first impressions, has a very friendly personality. She had fairly light brown hair and emerald green eyes. She stood roughly a foot shorter than myself, and her physique is slender and well toned while still being curved in a very attractive way. What caught my attention was the fact that, despite her size and stature, she carried herself with a sense of confidence while not trying to be overly imposing. The man that was there I could only describe as plump. He was about 2 inches shorter than Stacy. He had a balding head with a very poor attempt at a comb over. “Well then, Mr. Miller.” He said. “Just John is fine.” I responded. “Alright John. You can call me Bill. Now that we are acquainted, let's begin the tour.” He turned around and headed to the main entrance. Upon entering, I quickly identified the four quadcons and large mobile research vehicle parked in the center. There were dirty tire tracks leading from the large double doors to the vehicle. “Here is the research equipment you will be guarding. Every evening, once the scientists put their equipment away, you will be responsible for verifying that all of the locks are secured. The keys will be given to you and placed in a lockbox that is kept in your office.” Glancing to the right, I saw what I assumed to be our office. It was a small shack built into the side of the main building. Beckoning us toward it, Bill said, “and over here is where you will likely be spending most of your time.” In the office, there was a long desk with large windows looking out to the interior of the warehouse. At the back there was a small restroom that was surprisingly clean. And, what I was looking for, at the back corner was a locked green weapons locker that housed two Mossberg 500 pump action shotguns. Next to that was a small table with walkie talkies on charging stations. Above the charging station were two flat screen TVs with the video feed of security cameras monitoring both the inside and outside of the building. On the desk was a land line telephone, coffee pot, and a microwave. Underneath was a minifridge and a locking filing cabinet. Bill motioned to the cabinet, “This is where the keys to the storage units and truck will be kept with at least one of you having the key to it nearby. All the amenities are available to use, the AC works, and the chairs are comfy.” He grinned proudly like a child that had just finished his chores. “And if you'll follow me,” he said exiting the office door. As we followed, he went around the office shack where a side by side ATV was parked. Attached to it was a spot light on the front and an extra fuel container in the back. “This will be your steed” Bill says with exaggerated grandeur. “You will be able to use this to go around the compound if needed. Just log your driving so we know when the fuel needs to be replenished. Now, over here,” turning on his heel, he walked toward the opposite end of the warehouse. In this direction was a door labeled Janitors closet. Opening it, there were shelves of cleaning supplies, a push broom, and a wheeled bucket with a mop in it. “You can use these if you need to. There are cleaners that take care of the whole building during the day.” Well, at least we won't be doubling as janitors. Bill clapped his hands together, “do you have any questions?” He began walking back toward the office. “Do you get much disturbance out here that requires guarding?” I asked. “Well, the equipment and research is funded by the government. So they want to be sure nothing gets taken. As far as the disturbances, there are the occasional teenagers that try to sneak onto the property at night to do whatever teens do these days.” “What sort of research is being done here?” Stacy asked. We got back to the office and Bill leaned on the wall sweating and out of breath. “I don't know all the details. But it has something to do with monitoring the seismic readings in order to predict earthquakes or something. But I'm sure they can explain it better.” He pulled out a white cloth and wiped his head. I guess he used all his energy for the introduction. At that moment, we heard the crunching of graven as more vehicles pulled up outside. “Speak of the devil” Bill put the cloth away and looked at his watch. Through the window of the office the clock on the wall read nine in the morning. “If you follow me, we can meet the researchers.” For the next several minutes, we were introduced to the lead researcher Mike and his four grad students. Once introductions were finished, they loaded up the large truck and headed out to the desert. “Allright,” Bill said again, clapping. “You will be on guard during the night. Be here at six this evening. for the start of your shift. At six in the morning we will have two other guards relieve you during the day.” He headed over to the red Prius. “If you have any other questions, my cell number is in your files. Good luck” He hopped in and drove off leaving the two of us standing in front of the building. “Well,” Stacy said after a moment of silence. “I look forward to working with you, and I guess I'll see you tonight.” I nodded at this. “See you then.” We both left the site for the day. It turned out that Stacy and I both lived in the same town not too far apart. At least the company chose guards that live close to the site to save on driving.
The next four weeks were fairly uneventful. On the first night, we were able to talk with the researchers. Their explanation was the same as Bill had said. They were monitoring the seismic reading to predict earthquakes. But when the lead researcher said that, I got the sense that there was more to it. After some interrogation tips that I got from a CIA member that was stationed in Syria with me, I began to get good at knowing when someone was lying or withholding information. But, I didn't press the issue. If this was something more serious, there would be alot more security than two guards at a time with minimal equipment. After some deliberation with Stacy, we came up with a routine for our shifts. Every hour, one of us would take a walk around the inside of the warehouse. And every four hours one of us would take the ATV and do a patrol around the perimeter of the fence. The whole drive takes about twenty minutes. As far as issues during this time, not much happened. Every once in a while a camera would go down and one of us would check on it. After either jiggling the cable or just resetting it, the feed would go back to normal. There was one night that we noticed some teens outside of the fence seemingly daring each other to climb over. After revving the ATV and hitting them with the spotlight, they decided to leave. But during our shifts I did get to learn more about Stacy. She is a near polar opposite to me. She is very cheerful and chatty. From what she told me, I learned that she was mostly raised by her grandfather who was a police officer for the majority of his life. She had great respect for him before his passing. She wanted to be just like him with his sense of justice and strength. However, she decided to become private security instead of a police officer. I did notice that she seemed to avoid the topic of her parents. From the different walks of life that I encountered within the military, I decided it was best not to press the topic. She also seemed to like the horror genre of stories and films. During our shifts we were allowed to bring things to pass the time. She would bring a wireless speaker and play music and something called creepypasta. I on the other hand would put in one ear bud with music and read a book when we were not chatting. During the first week, we did have to stand guard for the entire 7 days. But after that more guards were stationed at the warehouse for the weekend to give us time off. This did come with an issue. Stacy would ask to hang out during the weekend. She would want to go to the movie theater or get lunch somewhere. But when she asked, I would say that I had plans. Which isn't a lie, but it mostly consisted of meal prep, physical training, and going to a shooting range. The problem I had was this, I never had a girlfriend. While Stacy is both kind and beautiful, I have no idea how to proceed with this. I would only feel awkward. Despite this, she didn't seem to have any intention of giving up. She would still ask every Friday, and when I told her I was busy, she would say, “maybe next weekend then.”
It was Friday of the fifth week when it happened. Me and Stacy were five hours into our shift, and I had just gotten back from a patrol on the ATV. “See any of the Graboids that they are looking for?” Stacy asked, grinning. “I'm afraid not,” I said disappointedly. “Just the usual rodents and reptiles. Although maybe they turned to shriekers and left.” I grinned as well. After logging the patrol, I entered the office and picked up “The Art Of War” and continued reading where I left off. Stacy was listening to one of those creepypastas on her phone. It was about something called a Skinwalker hunting hikers in a national park. It seemed kind of interesting. Maybe I should start looking into these stories. “So,” Stacy said, pausing the video. “You wanna catch a movie this weekend?” Her emerald eyes glistened with anticipation. “Sorry. I have plans.” I responded. She sighed and slouched sadly. “Well. Maybe next weekend then.” I know if anyone saw me in this situation, they would be screaming at me. A beautiful woman is asking me if I want to spend time together outside of work. After this exchange we continued with our activities waiting for my alarm to go off signaling a patrol. It was at this moment when we felt a strong tremor beneath the warehouse. Feeling tremors wasnt that unusual for this area. Every once in a while we might feel a light one during our shifts. But this one was stronger than any other that we've felt. But before we could get under our desk expecting it to be an earthquake, it was already over. The whole thing had lasted less than a minute. We both sat back in our chairs and looked at each other with a sigh of relief. Soon our nerves were settled and we returned to our entertainment. Fifteen minutes later the alarm on my phone sounded. Stacy stood up stretching. “I'll take this one”, she said. I nodded in agreement and looked back at the camera feeds. The camera that overlooked the corner by the janitors closet was static. “Could you look at camera three when you walk by it?” I asked, pointing at the monitor. She nodded and gave a thumbs up. “Got it.” She grabbed a walkie off the charger and clipped it to her belt. Once she left the office, I returned to my book, occasionally glancing at the monitor. After a few minutes, I heard a click on my radio and then a door slam from the other side of the warehouse. I picked up the radio, “Stacy, you good?” I asked. From the way the office was positioned, the view of that closet is blocked by the truck and quadcons. I looked at the monitor and that camera was still out. “Stacy, you good?” I repeated. No answer. I grabbed my radio and a flashlight and headed out the office to check on her. My worry was that during that tremor, some of the cleaner spilled and she might have slipped on it hitting her head. I very quickly walked over to the closet. I didn't see Stacy anywhere, but her radio was on the floor by the door. I ran over and opened the door worried. But instead of seeing Stacy laying on the floor unconscious, there was a large hole on the concrete. I stood there for a moment trying to process what I was looking at. But remembering Stacy, I pulled out my flashlight carefully looking down the hole. Instead of going straight down, it went in at an angle almost like a tunnel. It was large enough for myself to crawl into if I needed to. “Stacy!” I yelled. “Are you down there?” No response. “Shit” I muttered to myself. I then got down and headed in.
The tunnel seemed to go down for at least twenty feet before leading into another much larger tunnel. Once there, I was surprisingly able to stand up with plenty of room. “I wonder if this is what those researchers were looking into.” I thought to myself. Looking left and right, this tunnel continued further than my flashlight could reach. “Stacy! Can you hear me?” I yelled. The only response I got was my own echo. Looking down, I tried to find any indication of the direction she might have gone. At first I didn't see anything. I did notice that there were drag marks in the dirt going left. No boot marks though. I made a mark in the dirt to indicate the tunnel back to the surface, and started down the left tunnel. For the next ten minutes, I was quickly walking my way through this dark tunnel, yelling Stacy's name all throughout. The tunnel kept going down and curving every now and then. But still no sign of Stacy. Eventually I came to a fork. It was here that the drag marks stopped. After calling Stacy's name a few more times, I knew I had to get to the surface and call for backup. As much as I hated the idea, I knew it was necessary. But right as I was about to turn and head back, I heard a scream. It was very faint, but it came from the right tunnel. Now that I had a direction, I decided to continue quicker than before. I traveled deeper and deeper into these unknown depths. It was at this point that I noticed a turn off up ahead going left. I knew that if there wasn't another sound at this intersection, that I would have to return. I got to the turn off and yelled for Stacy. After a few minutes I heard what sounded like footsteps coming toward me. “Stacy?” I yelled. I carefully walked forward. There was another sound. Heavy breathing. The tunnel turned right. As soon as I rounded the corner, I saw something straight out of a horror movie. It stood on all fours with short legs and long arms, head just about touching the ceiling at roughly eight feet in height. Its skin was an ashen gray color with small tufts of fur near the shoulders. The face and large ears reminded me of a bat. Its eyes were so white, they almost seemed to glow in the darkness. I got the sense that, while it couldn't see me, it knew I was there due to my yelling. As soon as I lock eyes with this creature, before I can do anything, it inhales and lets out an ear piercing shriek. I covered my ears, but it didn't do anything as my vision started to fade to black.
“Sergeant!” There was somebody yelling. “Sergeant Miller!” I opened my eyes and I was on the ground looking at the bright sky. Then a figure appeared reaching down to help me up. Corporal Johnson grabbed my hand and pulled me up. “You good sergeant?” He asked. “Yeah, I'm good!” I yelled back grabbing my rifle and getting back to the cover of the hummvee. As bullets riddled the opposite side of the vehicle, I went to the front and returned fire over the hood taking out two of the attackers. Johnson came up behind me doing the same. “The fifty is down, and Rodriguez is hit!” He yelled while reloading. I looked at the hummvee ahead of ours. The doors were open and I saw Corporal Smith messing with the radio while being covered by Private Williams. On the ground beside them was Rodriguez being treated by the Corpsman. I looked back to Johnson, “Cover me! I'm moving up”, I yelled to him. He nodded, racking his rifle. “Moving!” I yelled as I sprinted to the next vic. A couple of bullets hit near my feet. As soon as I got to the rear, I yelled, “set!” Johnson started running while I kept him covered. Once we were both there, we checked on Rodriguez. The corpsman looked up at me, “we need a medevac now!” He yelled holding a wound near the neck. I nodded quickly and got up to Smith who was yelling on the radio. I knelt down, “what's the ETA on those birds?” I asked. He shook his head angrily. “They are at least five minutes out!” He said cursing as a bullet hit the top of the door next to him. “We won't last that long! Just get on the 240 and fire back now!” I yelled in his ear. “Aye Sergeant!” Smith climbs into the hummvee and mounts the turret with the 240 machine gun firing back. I looked back at Johnson, “we need to get to the lead vic and mount the Mark 19!” I yelled back. Johnson gave me a devilish grin, “aye sergeant!” He yelled back. The lead hummvee was two vehicles ahead. With the help of Williams’ suppressing fire, we got to the second vic. “Just one more” I thought to myself. Johnson got ready to move to the next hummvee. I nod at him and get set for suppressing fire. “Moving!” He selled. Right as he started running there was a snap and he hit the dirt as blood started pooling by his head. “Sniper!” I yelled back to the others. But as soon as I looked back to where Smiths’ 240 was roaring, the entire hummvee exploded as an RPG detonated below it. A large piece of what I assume was the door, hit me in the helmet and I was back on the ground. I looked up with blurred vision seeing an attack helicopter unloading its payload toward the enemy placements. But as I blinked, there was a large face staring at me from across the street. An inhuman face. Almost like a bat. I start to remember what this thing is, just as my vision fades to black.
“Sergeant!” There was somebody yelling. “Sergeant Miller!” I opened my eyes and I was on the ground looking at the bright sky. Then a figure appeared reaching down to help me up. Corporal Johnson grabbed my hand and pulled me up. “You good sergeant?” He asked. “Yeah, I'm good!” I yelled back grabbing my rifle and getting back to the cover of the hummvee. As bullets riddled the opposite side of the vehicle, I went to the front and returned fire over the hood taking out two of the attackers. Johnson came up behind me doing the same. “The fifty is down, and Rodriguez is hit!” He yelled while reloading. I looked at the hummvee ahead of ours. The doors were open and I saw Corporal Smith messing with the radio while being covered by Private Williams. I looked back at Johnson. “Wait.” I thought to myself. “I-I was just here.” I watched as Johnson continued to make the same moves as he did in this memory. I stand up and look around as he runs to the next hummvee. I hear the corpsman yell about evac. Smith yelling about the ETA on the birds. “This,” I said to myself. “This was the last mission.” Then I remembered. A face. An inhuman face. I looked across the street where I saw it. I close my eyes and shake my head. When I opened my eyes, I was back in the darkness of a tunnel. The monster was now looming over me reaching out with its large clawed hand. I immediately jumped back out of its arms reach. The monster seemed surprised that its trance was broken. It began to inhale, readying another shriek. But before it could let out its scream, I drew the compact Sig pistol that I keep under my uniform and put two rounds between its eyes. Now when I asked the boss about having weapons, he said they weren't required. He didn't say I couldn't conceal one just in case. The creature slumped to the ground lifeless. Despite the ringing in my ears from the shot, I knew I had to continue forward to find Stacy. I looked down and was glad to see the footprints and drag marks were clear and continued forward. As I continued down the tunnels, the walls started to change. The texture went from the dirt and stone to a black and almost rubbery plastic. If I had to compare, it looked almost like the walls in that Aliens movie. That thought also unnerved me. Soon after noticing the changes, I started to hear a voice further down the tunnel. It was Stacy's voice. Faint, but there. I quickened my pace. The tunnel then seemed to open up into a large cavern. It was so large that my flashlight couldn't reach the opposite end. The walls had that same alien-like texture. I then noticed bulb-like growths attached to the walls. Walking to the nearest one I peered in. There was the remains of a human skeleton. From the looks of it, the bones were here for many years. The clothes, or what was left of them, looked similar to those I've seen in mining pictures from the 1800s. Moving forward, each bulb, or pod I guessed, had a similar sight. A human skeleton, no flesh remaining. They were all in a pose that suggested they all died screaming. At least, those that still had a jaw attached. After looking into the fifth one, I heard Stacy’s voice again from across the cavern. I immediately started walking in that direction. At that moment I looked up toward the ceiling and saw a nightmare. There were hundreds of those creatures attached and encased in similar pods. All seemingly asleep and ready to get out at a moment's notice. Off to the side, there were several of those bods that were empty. Immediately lowering my light, I hastened my pace as quietly as possible. At the end of the cavern, I saw the pale face of Stacy peeking out of what I now assumed were feeding pods. “No daddy, no.” She was muttering to herself quietly. “Don't hurt mommy.” I lifted her head up and her eyes were open but unfocused. “She must be in that trance” I thought to myself. Reaching to my belt, I pulled out a pocket knife and began cutting away at the pod. Luckily for me, whatever this was made of had not hardened yet. As soon as there was enough give, I pulled Stacy out and placed her on the ground. “Come on. Wake up Stacy.” I said quietly into her ear. After about a minute of speaking to her and giving a light sternum rub, her eyes finally came back into focus. “John?” She asked. I put my hand over her mouth and whispered into her ear, “Shh. We need to get out of here quietly.” I pointed the light up at the creature pods. Her eyes widened. Then she looked at me and nodded slowly. I removed my hand and helped her to her feet. She was a little wobbly. “Can you walk?” I asked. She nodded again and we began our track to the surface.
I took point and followed the tracks that led me here. Seeing me with my pistol aimed ahead Stacy asked, “are there more of them in the tunnels?” “Yeah.” I said gesturing up ahead at the carcass of the creature that I shot earlier. She nodded approvingly. She then pulled out her own Sig pistol from her waistband. I think I’m in love. We continued down the tunnels with haste. When we rounded one corner, another two more of the creatures were shuffling towards us. As soon as I saw them, I took a knee and put two rounds in the first one killing it. The second one climbed over the body and sped up taking a deep breath. But before I could fire at it, Stacy put three rounds into its head. I looked back at her and she was in a perfect shooter's stance the muzzle of her pistol still smoking. With our ears still ringing, I gave her a thumbs up and we continued. After some time, we finally reached the smaller tunnel leading up to the janitor's closet in the warehouse. We got out and looked around making sure that none of the creatures were waiting above. After clearing the building, we both sighed with relief. Stacy then started toward the office. “I'm going to call for backup,” she said. I shook my head. “No. We need to collapse that cavern before those things can get up here.” She looked at me with confusion. “And how do you expect us to do that? I doubt the researchers have explosives in their truck,” she said pointing at the vehicle. “Just follow me,” I said heading to the front door. Stacy hesitated and quickly followed. I immediately ran to my SUV and opened the rear. As soon as Stacy caught up, I opened the plastic cases and her eyes widened. “Take your pick,” I said gesturing toward the case full of guns and armor. After a moment, she grabbed a suppressed Honey Badger rifle, a glock 17, and a chest rig for spare magazines. I took my own Suppressed M4 rifle, glock 19, and my plate carrier. After we strapped on the gear, I handed her a pair of noise canceling headphones to help with the gunshots underground. “So, you usually carry this much gear?” Stacy asked, turning on the headphones. “Well,” I said. “You never know when you need it.” After putting on my own headphones, I pulled out a duffel bag from a much deeper compartment of the case. I set it on the ground and opened it. Stacy's eyes went even wider than before. “Is that?” she stammered. “Yep.” I said, looking down at the large bag full of plastic bricks marked as C4. “Where did you?” she started. “Let's just say I know a guy who knows a guy.” I responded, pulling out a detonator and making sure I had enough components. “Let's move.” I said, throwing the bag over my shoulder and loading my rifle. She nodded, loading her rifle.
Once we reentered the tunnel, the mics on the headphones were able to pick up the faint sounds of the creatures footsteps and distant shrieks. I looked back at Stacy, “ready.” I asked. “Let's go,” She responded. I placed a glow stick at the entrance and began the move forward. After only a few minutes of walking one of those creatures rounded a corner. As it did, it let out one of those ear piercing screams. But, fortunately for us, those headphones worked very well at canceling out the effect that it had. I grinned and promptly put two rounds between its eyes. After stepping over the body and rounded the corner, there were two more. “Shit,” I thought. “More of those pods must have opened.” Despite this revelation, we continued. Killing every creature along the way. Stacy did surprise me though. All of her moves were smooth and calculated. She clearly had more training than what the security company provided. Maybe I should ask her about it when we get out of here. She might make a good range buddy. It took twice as long to get to the cavern the second time. A couple of those creatures almost got the jump on us. They would wait around corners or try to attack from behind. I did get hit, but somehow it only damaged the armor plate. I did note that it went through the plate like butter. Definitely didn't want to get directly hit by that. Once we finally arrived at the cavern, there were more empty pods. And even more were starting to move. I dropped the duffel bag and gave Stacy some of the bricks and detonators. “You take that side and I'll take this one,” I told her. “Got it,” she said. I quickly showed her how to arm the device and we began planting. I put some of them in the empty food pods as well as sticking them to the wall. A couple of the pods burst open. I was quickly able to dispatch them. Once we finally finished planting the C4, we met back at the entrance of the cavern. I took out a timer and attached it to the wall. “We are going to have to run,” I said, punching in fifteen minutes. She took a deep breath and nodded. I nodded back and hit start. We bolted down the tunnels. The bodies of the creatures we killed on the way in, did slow us down. But I calculated that. A couple of them did try to ambush us, but we quickly put them down. Throughout this run, I was able to place a couple of the remaining C4 at key intersections in order to collapse the tunnels. We finally reached the last turn and saw the first glow stick up ahead. I glanced down at the timer on my watch. 5 minutes. “Perfect,” I thought, grinning to myself. I helped Stacy up the tunnel. “Keep going. I'll be right up.” I said. I knelt down and planted the last C4 charge at the base of the exit. I then began crawling up the tunnel. But just before my legs entered the hole, something grabbed my right foot and yanked me back down. It held me upside down and I was able to get a good look at my assailant. It was one of those creatures, but this one seemed bigger. There were scars all over its face and torso. “And you must be the leader,” I said. It snarled. My rifle was on my back so I couldn't grab it. It reared its other arm back and readied a slash. “I don't think so,” I said, drawing my pistol and dumping half the mag into its body. It let out one last scream dropping me and falling dead. I looked at my timer. 2 minutes. Shit. I dove into the tunnel and crawled up as fast as I could. When my head popped out, Stacy was there and she helped pull me out. I looked at her and quickly motioned to the door. “We need to haul ass!” I yelled. Without hesitation, she sprinted with me to the door. She passed me and slammed into the door opening it. I guess I'll need to work on my run time. As soon as I passed the threshold, I heard the beeping of my watch indicating the 5 second mark. We bolted toward the gate. Once we got there, the timer went off. There was a rumble underground as I knew the C4 had detonated. It was a moment later that the backside of the warehouse exploded, as the rest of it caved in. I noticed that a section of the desert seemed to sink slightly. That area was where the researchers seemed to spend the most time. I knew they were hiding something. I shook my head and looked back at our vehicles. Somehow, by some miracle, no debris had hit them. We glanced at each other and both let out a big sigh of relief. We began walking back to my SUV. “So,” I said. “What’s playing in the theater?” Stacy looked up at me, smiled and began laughing. I laughed too as she leaned on my shoulder. “Don't know. As long as it's not horror.” I put my arm around her shoulders. “I agree.”

I hate having to constantly calculate how many more Pit dungeons I have to do to level up my shit gear.
So below is a quick guide on how many obducites and ingoliths you need to level up an item from masterworks levels 1-8 and which pit tiers gives you the near perfect amount of both materials if you're a weak boi.
Materials you need:

• Level 1-4: 100 obducites total at 10, 20, 30. 40 per level (or 34 ingoliths).
• Levels 5-8: 260 ingoliths total at 20, 40, 80, 120 per level.

Tier breakpoints:

• Tier 45 gives you 34 ingolith which when converted gives you 102 obducite, enough to masterwork an item up to level 4.
• Tier 53 x 7 times gives you 294 ingolith, enough to level a gear from 1-8.

Obviously if you can do 60+ to farm neathiron then do that, but the above is for folks who don't have the best gear but still want some sort of efficiency when farming pits.

Hello everyone,
Hearthseeker rogue here currently stuck at lvl 110 pit.
I've been recently making some modifications/test on my gear to find some possible improvements.
I have 2 similar amulets : one is atk speed / crit chance / lucky hit second one is atk speed / lucky hit / +3 exploit
I know that based on pure calculations and feedback from hearthseeker players, exploit amulet should perform better. However after multiple runs my average cleaning time is better with the crit amulet. The two amulets are identical except one has 13.2 crit chance and the other other +3 exploit.
Do you have any idea why this could be the case?

I had the front and back ends off the ground, couldn’t bump it, couldn’t jump. When I decided to dismantle it and walk the rest of the way, I held down the options button and was told that I couldn’t dismantle on account of the vehicle still being laden with gear.
And then the vehicle shifted, as though re-initializing in the game world. And then I could drive it again. If this is a legit fix for a problem, or even increases the chances of getting unstuck, I think I it would take folks giving it a try and reporting back to be sure.
So let me know if this works or not. It worked for me and I hope it saves you all some grief.
EDIT: I was stuck in the rocky area near the distribution center south of lake knot city, where those Little Rock growths make formations you have to drive between. My truck made a sort of bridge between two slightly elevated rocky outcroppings, lifting both wheels off the ground. So when I tried to dismantle and then it resettled the vehicle, the difference was like getting a bump to the physics calculations. I don’t think folks who are sandwiched vertically in a chasm will find my tip as useful.

I played at a golf course last week and my friend and I got paired with two other men. The starter asked our handicaps and we all said 8 or 9. The starter then suggested to the men they play two tee boxes back and we should go play the forward tees. It was irritating because tee boxes should be skill based, not gender. Two people with the same handicap are the same skill level period.
It was just a suggestion, so I didn’t say anything. I’ll play where I want. But the funny part is the men were not 9’s. The needed to shot 2 balls each hole off the tee, picked up a lot, because they had lost enough etc. very nice guys, but they should have been playing the forwards.
They said “wow you are like scratch golfers”. No, we just accurately calculate our handicaps haha.

What are the Credit Score Requirements for a Kentucky Mortgage Loan Approval?

USDA loans

USDA mortgages are home loans backed by the U.S. Department of Agriculture. They are available to low- to moderate-income borrowers looking to buy a home in a rural area.
That said, the definition of “rural” doesn’t necessarily mean out in the middle of nowhere. As you can see on this map, many towns and suburban areas qualify as rural.
USDA mortgages can be 100% financed, so they do not require a down payment. There is also no minimum credit score, but if your score is below 640, your application will need to be manually underwritten.
Mortgage insurance is not required for USDA loans. However, you will be charged a 1% upfront fee (called a guarantee fee) as well as a 0.35% annual fee.
Depending on your income, you can fall into one of two mortgage programs offered by the USDA.
If your income is in the “low” or “very low” threshold for your area, you may be eligible for the Direct Program. This program is funded directly by the federal government and may even include mortgage payment assistance.
If your income falls in the “low to moderate” range, you could be eligible for the Guaranteed Program. These mortgages are offered by USDA-approved lenders and are backed by the USDA.

VA home loans

The program includes both VA direct loans that are funded and handled by the government, as well as VA-backed loans that are handled by private lenders.
VA direct loans require no minimum credit score, no down payment and no PMI. They also generally have lower interest rates than you’ll find from other types of lenders.
But VA-backed loans may have credit score and other requirements, depending on your lender.
While you aren’t required to make a down payment or pay mortgage insurance, you will need to pay a one-time VA funding fee. This fee is calculated as a percentage of your loan amount and depends on various factors, including the loan type, number of previous VA loans you used, down payment amount, and so on.

FHA home loans

An FHA loan is a type of mortgage insured by the Federal Housing Administration. The loans are geared towards homebuyers with low credit scores and limited funds for a down payment. The benefits make FHA loans particularly attractive to first-time homebuyers, but repeat buyers also are eligible.
If your credit score is between 500 and 579, you will be required to make at least a 10% down payment. If your score is 580 or above, you’ll only be required to put 3.5% down.
With most FHA loans, you will need to pay the FHA’s mortgage insurance premiums (MIP). A premium will be charged at closing, plus you’ll be charged annual premiums.
If you put down 10% or more, you can remove the MIP after 11 years. But if your down payment is less than 10%, you’ll have to pay the annual MIP for the entire length of your loan.
That’s different from conventional loans, where mortgage insurance can usually be removed after you’ve built up 20% equity in your property. That is, after your LTV drops to 80% or lower.
Mortgage Lender in Kentucky (Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA)What are the Credit Score Requirements for a Kentucky Mortgage Loan Approval?
10 JAN 2024