I believe awakening quests in JP have an area where kills count for more . Any JP players want to chime in ? <| sep |> Oh yea , the advancement of technology has given us some frivolous expenditures , such as cell phone and internet bills that previous generations didn ' t have as expenses . That ' s something else some of the older generation can ' t understand . Like , my grandparents can ' t understand the need for a cell phone at all . They don ' t even have a cordless phone on their landline let alone a cell phone ! And sure , you can buy a house with $ 18 , 000 down payment , but that comes with a costlier highratio mortgage . Any mortgage that doesn ' t have 20 % down payment will result in a much costlier highrisk mortgage , plus the other costs which come with not having a 20 % down payment . But really , buying a home is a risk either way . Spend more over the time of your mortgage and have a house now , or wait , have prices possibly soar even higher and end up spending more than you hoped anyways . Personally , I ' d rather have the larger down payment later in life than be house poor while I ' m still youngish ? . I hope to buy within the next 2 ish years , however not in the city , likely more in the Scarborough area somewhere between Cliffside and Guildwood would be optimal . I mean , I could buy a condo now however that seems like a nightmare to me , but with all the fees , I ' d personally rather save that money for the future . But , it ' s all each person ' s specific preference .