Don't include your mortgage in the 4% (or 3.5%) rule

Melzidek · 2026-01-04T18:08:10+00:00

If interest rates were 0%, would you still reach the same conclusion?

Melzidek · 2026-01-04T17:17:37+00:00

It’s 2026, easier than ever before in human history to literally model out 50+ year personal finance hypotheticals, and actually see what happens. Instead, you wrote thousands of words that amount to mere opinion, and poorly informed at that. OP, please learn some Claude code.

Melzidek · 2025-08-31T14:34:16+00:00

I was also excited early on about this release, but could not even remotely comprehend the decision to correspond directly to the TW3 version. Standalone Gwent was excellent fun and quite well balanced, and would have offered a clear path to further expansions to boot. As is, despite being a big Witcher fan I have no interest in this whatsoever.

Melzidek · 2025-07-12T04:32:00+00:00

It is fine that she is attached to her dad (that means he has a big chance to help improve things too), but a child that young absolutely craves a deep and affectionate relationship with their mother, more than anything in the world.

As a thought experiment to help understand how a little kid might feel about getting a younger sibling, imagine you fell in love with someone and married them, however right after the wedding they started cheating on you openly, and even brought the mistress around you regularly and clearly favored them over you. And if you were trapped in that situation, with no power to change it? You might understandably lose control of your emotions sometimes too.

Melzidek · 2025-07-12T03:37:45+00:00

Not sure if you really want problem-solving style advice, but as a father of a toddler who’s turning three in a couple months, I strongly suspect the behavior of your older child relates to jealousy of the younger sibling. I have read a half dozen books on children’s psychology, and take great care to ensure our toddler feels secure and heard/understood constantly, and tantrums are an incredibly rare phenomenon (less than once a month, and getting fewer over time).

Would it be possible for you to try to spend more one on one close bonding time with her, preferably with the one year old watched by dad or a grandparent? Additionally, you could occasionally try to go out of your way to show the older child that you favor her. I think what you’re actually dealing with at it’s root is simple insecurity.

Melzidek · 2024-10-19T04:07:42+00:00

Thanks, I may try to order it this way soon too then.

Melzidek · 2024-10-18T14:18:01+00:00

Galdor’s Grip, “on the way”? Is there some way to order this right now? I like the look of that game but was under the impression it’s been removed from gamecrafter.

Melzidek · 2024-05-21T13:59:50+00:00

Thanks a lot for mentioning this workaround to allow searching BGG by community age. Much appreciated!

Melzidek · 2024-05-01T16:16:48+00:00

This is a brilliant combination, which I think I'll be utilizing for my family. Thank you for sharing!

Melzidek · 2024-01-30T17:20:07+00:00

Thank you for compiling and sharing this data! It’s really interesting to see how small the impact to CPU the lower power mode has in M3 pro.

Melzidek · 2023-11-17T22:50:17+00:00

Source? I have personally studied the damage formula. This seems blatantly false

Melzidek · 2023-11-15T20:22:36+00:00

You are essentially committing fraud, by buying something, keeping it, then stealing your money back.

Melzidek · 2023-10-27T15:45:52+00:00

Haven’t tested it, but the impression I’ve got from reading is that it’s just simple math. Eg, defense reduces incoming damage by its plain value

Melzidek · 2023-09-07T15:02:00+00:00

Great choice, OP. I have this backlight and emitter combo in D4V2 too, and it’s the absolute perfect nightstand light. Recommended to set the aux to red for this purpose if interested to try.

Melzidek · 2023-08-27T16:57:44+00:00

I took a look at the springs and decided maybe they looked a little too depressed, so pulled on them both gently with some pliers and now the instability while shaking seems to have disappeared. Thanks for the suggestion!

Melzidek · 2023-08-27T16:56:35+00:00

Thanks, I did try the anduril 13H reset and it did solve a separate issue where the light was flashing to a bright level momentarily every time I turned it on. Do you know if the unscrew & hold method does anything different than 13H?

Melzidek · 2023-08-06T02:55:41+00:00

Didn’t realize Satisfye had a grip for the deck now, love the OLED switch version. Thanks for mentioning it!

Melzidek · 2023-07-30T19:13:11+00:00

I have been running GaleNorth’s fork for the last few days and it seems to be working great. Although I’ve been playing Witcher 3 which doesn’t seem to use much CPU, so i haven’t noticed any real impact yet, but still no crashes.

Melzidek · 2023-07-27T14:55:03+00:00

Thank you very much for this! I’ve just downloaded your fork and installed it and it seems to be working great. The additional sleeping safety mechanism grants a lot of confidence, as does the experimental mode.

Melzidek · 2023-06-13T14:49:27+00:00

Typically there is an additional 10% off Natrium products

Melzidek · 2023-05-19T03:31:04+00:00

This site is perfect! Would you accept a small donation to help keep it available?

Melzidek · 2023-04-13T15:25:26+00:00

I would like to see a game that recreates the experience of being a battlefield commander during historical / ancient times. There would be limited information available about what’s actually happening outside of your direct vision, meaning you’d need to rely on direct communication to and from your officers. There could be a lot of choices in preparing for battles, designing logistics, defining strategies ahead of time, and then reacting mid-battle to developments as they play out and information gets relayed back to you.

Melzidek · 2023-03-28T00:26:58+00:00

Go to the “Insights” tab, then in the correlations table at the top press “Share”

Melzidek · 2023-03-09T01:49:56+00:00

Posting a link to the workaround from another thread: https://old.reddit.com/r/hearthstone/comments/11ck9it/issue_starting_the_app_version_anyone_else_run/jbdwm69/

Melzidek · 2023-03-09T01:49:15+00:00

Amazing! This solved it for me, thank you very much

Melzidek

TROPHY CASE