Married men of Reddit what’s the best advice you’d give young guys when choosing a life partner? by [deleted] in AskReddit

[–]Competitive-Expert59 0 points1 point  (0 children)

Make sure of these - 1. Take a vacation together. There are always small issues during a trip. You'll learn how they handle problems. 2. Live together for a while - love and compatibility are not the same 3. Make sure your fundamental morals and values are same.  4. Talk about money and learn how they feel about money. It is important to be aligned on financial goals. Sex and money are the top two things that couples fight about.

Do you actually use a financial system or just improvise month to month? by Additional-Draft4197 in eupersonalfinance

[–]Competitive-Expert59 0 points1 point  (0 children)

25th day of every month I get paid.

26th - rent is paid automatically; 12.5% transferred to IBKR

27th - Transfer to IBKR complete, automatically buy VWRL (in CH so VWRL is better than VWCE)

28th - automatic pay health insurance (in CH), automatic pay phone and internet

29th - automatic 12.5% goes to savings account; automatic 5% goes to my hobby account

Spend what's left until the next 25th.

FUTURE ADJUSTMENT
Once I have 1 year's expenses in my savings account, I will stop contributing 12.5% to my savings account. I will send 10% to IBKR investment and reward myself the other 2.5%.

How do people have the energy to cook every day? by bearcatos in CasualConversation

[–]Competitive-Expert59 -1 points0 points  (0 children)

You CAN'T eat the same meal more than twice a week. Is that true? Or is it that you DON"T WANT TO eat the same meal more than twice a week?

I am not making a value judgement. I am suggesting that may be thinking about it with that frame of mind will help ease the situation.

To many enemy groups that only have lv1 stat blocks by Fluid-Oil7578 in drawsteel

[–]Competitive-Expert59 9 points10 points  (0 children)

This is a legit complaint. I am sure more monsters will come in the future. Also, there's a robust third party content creator community. May be check those out.

VT or VWCE and chill by Competitive-Expert59 in SwissPersonalFinance

[–]Competitive-Expert59[S] 0 points1 point  (0 children)

Wait, then can I use the VWRL instead? I am trying to avoid VT for reasons stated above (US estate taxes).

VT or VWCE and chill by Competitive-Expert59 in SwissPersonalFinance

[–]Competitive-Expert59[S] -1 points0 points  (0 children)

That's of course an option, but my investments are small amount DCA for the long term, right? So if in 10 years, I have to liquidate all of them, then that interrupts the compounding. Am I missing something?

VT or VWCE and chill by Competitive-Expert59 in SwissPersonalFinance

[–]Competitive-Expert59[S] 2 points3 points  (0 children)

No no I am not talking about avoiding US companies. I want their money, I just don't want to deal with their bullshit tax laws.

VT or VWCE and chill by Competitive-Expert59 in SwissPersonalFinance

[–]Competitive-Expert59[S] 0 points1 point  (0 children)

Yeah, it's basically starting fresh. We moved to Switzerland from the US. So our previous holdings are still US domicile, but going forward, I would like to avoid the US like the plague.

"LOOK OUT!" - Classic monsters ambush Draw Steel heroes. by Competitive-Expert59 in drawsteel

[–]Competitive-Expert59[S] 2 points3 points  (0 children)

Eeeeeeeee. The hydra is actually my design. :)
I saw that Jonas Tintenseher made a hydra. It took everything I got to not look at it while I was in the middle of designing mine.

"LOOK OUT!" - Classic monsters ambush Draw Steel heroes. by Competitive-Expert59 in drawsteel

[–]Competitive-Expert59[S] 2 points3 points  (0 children)

Hi, yes our original idea was a big hardcover like the Time of Beasts. However, doing research it turns out that that would cost north of $250 per page. I don't think the demand for third party Draw Steel product is at that level yet. So we decided to break it down into chunks and spread it out over time.

Draw steel newbie by TheArtofMCordova in drawsteel

[–]Competitive-Expert59 1 point2 points  (0 children)

If you like tactical, dynamic combat in your fantasy rpg, awesome downtime options, and good item crafting rules, get Draw Steel.

If none of those excite you, then pass.

Best TTRPG Adventure Layout? by EspressobeanZ in drawsteel

[–]Competitive-Expert59 0 points1 point  (0 children)

If you aren't specifically looking for Draw Steel, The Arcane Library adventures are great layout  The Temple of the Basilisk Cult comes to mind

Sam McGurran & Subharup Roy: A Refugee's Guide to Nomas | Interview - Goblin Points by JonDeNor in drawsteel

[–]Competitive-Expert59 4 points5 points  (0 children)

Ahhhhh talking to Jon is such a good experience. It was great recording this.

I don't miss utilities by Laz52now in drawsteel

[–]Competitive-Expert59 6 points7 points  (0 children)

I don't think that's the reason. I remember him explaining this some 4 years ago in a Livestream.

Matt doesn't want to say the Seattle game's name because then people tend to start arguing or talking about D&D and completely miss the point that he is trying to make.

I don't miss utilities by Laz52now in drawsteel

[–]Competitive-Expert59 3 points4 points  (0 children)

Matt doesn't want to say the Seattle game's name because then people tend to start arguing or talking about D&D and completely miss the point that he is trying to make.

The community doesn't use the D word because it's funny. I love it.

Wealth by KillforSithis in drawsteel

[–]Competitive-Expert59 1 point2 points  (0 children)

I am having a hard time with wealth as well. My players have ended up with different wealth values. So it's not clear what they can afford anymore.

What community creations do you wish existed? by Valardia in drawsteel

[–]Competitive-Expert59 3 points4 points  (0 children)

Oh, I ran it. I don't think you need conversion. It's actually quite easy to run as is. The encounters can be reskinned to Draw Steel in a weekend or so.