usually cash back or rewards programs will basically offset the financial cost and the utility benefits (immediate cash source in an emergency, credit rating increase)are HUGE
Hmmm. Still not sure if it is worth the hassle. But then again I live in a smaller city so maybe since there is less competition between banks the deals are not as good.
as in you grew up in a town, your family banked there, you bank there, you work at the local factory or something, you save up a nut and when you go to get a home loan they look at your life holistically
bank credit cards are rarer?
if you live in the US just get a credit card from some place like capital one
for your first one
and be VERY VERY careful
but basically you sorta trade up (even if you stick with the same company) as you build your credit over time
to getting credit cards with better and better rates and perks and larger limits etc.
I've got a 2-person party and i'm having some difficulty with balancing encounters for them. It seems that what i'm making is either way too easy, or harder than i really want it to be (ie, they're either not using much of their stress tracks or they're taking higher consequences). I didn't see...
Probably the most useful thing from that thread is the (not adaquately expressed) idea that losing isn't as bad in a Fate game.
Granted, you probably want to orchestrate a win in this particular context, but Fate in general is a lot more at ease with "impossible" conflicts because losing just makes the story more interesting rather than bringing it to a halt.
Grant mechanics in proportion to narrative importance.
This should be pretty easy. A Big Bad Villain should have more aspects simply because he's got more interesting stuff for you to say about him.
And an actual mechanical bit of advice:
Figure out how hard you want the fight to be on the Fate ladder, and add that number to the highest skill/approach modifier the PCs have. That is the boss's highest skill/approach modifier. Then work backwards to figure out how many milestones he must've gone through to acquire that modifier, which tells you about his Refresh.
Free invokes are also interesting because the boss's power ramps down as combat progresses.
@mbriand Almost impossible to generalise, I think.
So much depends on context: how many Fate points they have, whether they're prepared, if their aspects will be especially easy to invoke...
My suggestion: don't worry about overpowering them.
They should have consequence slots available, and in a one-shot consequences are practically free.
Fate cares very little about balance in the traditional D&D-style sense, and part of that is providing the consequence system as a buffer to stay in combat.
@Aaron Credit Cards are fantastic ways to build personal credit. The key is to only use them where you would normally use cash and to pay the bill off entirely each month. If you do not pay the bill entirely each month, they are - in fact - a trap.
@BESW Are you sure? I don't see how that makes sense for the question. I'd have to buy third party products for the shop, otherwise I'd have to make everything, right?
@Aaron Yes, absolutely. I buy everything and anything that leads to better, more feature rich games. I don't care where it comes from. And I have no agreements with any companies so that includes any kind of non-illegal knockoffs too.
@JoshuaAslanSmith Yeah, that was a moment I'd like more feedback on in the 5e room if you get a chance. I sort of took some cues from how I'd run it in a game like Dread (where it would be a separate pull for each part of an action)...but I'm not sure if the reward was sufficient (should it be a success or is advantage enough)
I've got a 2-person party and i'm having some difficulty with balancing encounters for them. It seems that what i'm making is either way too easy, or harder than i really want it to be (ie, they're either not using much of their stress tracks or they're taking higher consequences). I didn't see...
