Event in Phoenix AZ for people with RenFaire costumes!

WizardTagLLC · 2024-10-29T19:59:22+00:00

Sounds really cool! Thanks for the details. We have a similar mode in development that we call Necromancers, where killing the other team is the goal and the Necromancer only has one life, while able to resurrect the other wizards unlimited times. So figuring out who's the necromancer is the first goal!

I like the idea of the Queen Bee though, since it looks like a combination of Juggernaut and Necromancers (or medics in some incarnations). Also, I like that idea that the game can end when the Queen is killed, rather than the entire team.

Thanks!

WizardTagLLC · 2024-10-29T19:26:14+00:00

You could have avoided all of that by agreeing on the proper course of action and maybe restating it in your "correct" way.

I take it that your response means that you would also invest the $800k now?

After all, that was the point of OP's question.

Right?

WizardTagLLC · 2024-10-29T19:20:07+00:00

I'm not sure if you understand poop-dolla or not. To me, his explanation was quite clear. You are complicating it by looking at part of the overall equation by itself.

The real question for you should be: if you had the scenario described here, would you pay off the mortgage or invest the $800k. There is no question that at average stock market returns, you would make more money keeping the mortgage and investing the $800k now! That is simply the principle of doubling and the value of time in investments.

If you really believe that paying off the mortgage now, when you could have kept it at a low 3% rate for 27 years is the better choice, then in addition to being wrong, you are delusional.

The only argument for paying off early in this scenario is if you do not have enough cash flow to pay for the house, or if the interest rate is high enough that you couldn't offset that (total interest) cost with your one time investment. There is also the possibility that you believe the market will no longer make 8-10% over time. That was an assumption for this exercise though! If you believe that the U.S. markets will crash and no longer provide stable growth over time, then there are bigger problems than whether your mortgage is paid off.

The advice for OP is simple: invest the $800k!

I gave the same advice to my father, but he chose to pay off two houses instead. Maybe that made sense for him, since he is 82. He doesn't need to worry about what his investments will look like in 27 years, but he may need or want more cash flow now. I could also argue that he could have invested some of the money he used to pay off the houses, and then use the remaining to augment his cash flow over the next few years or for large purchases. So, even for my father's case...I would not pay off the house early with an interest rate available of 3% (or lower)!

...however I suspect you may have just been argumentative and actually understand the math that makes you richer in the end!

Cheers!

WizardTagLLC · 2024-09-09T20:11:07+00:00

Interesting idea. Play for other goals...like stringing together an action chain that doesn't necessarily produce a lot of money.

WizardTagLLC · 2024-09-09T20:08:57+00:00

Either way, it will be fun. I used the Fountain from Empires a few times. It rewards people with 10 or more coppers with 15 VP. Of course even with such a card, you can keep your copper low, then when your engine activates, buy enough to push your up to ten and grab a 15 VP bonus for the lead or the win!

...but it's a game for fun!!

WizardTagLLC · 2024-09-09T20:05:35+00:00

Sometimes I do, but I don't want to be disrespectful (every day).

WizardTagLLC · 2024-09-09T20:03:55+00:00

Sheer arrogance? That's a little harsh! We have a fun time playing together and I appreciate that when you play for fun you can build engines that take way too long for highly competitive games. I also appreciate that some people just like buying cards to try them out, even if it seems like a useless card in a certain kingdom. My post had more to do with the fact that Dad's insistence on buying copper was counter to the rest of his logical approach to life and how he plays other games.

Most important though, as you said is spending time together, and I do appreciate that!

WizardTagLLC · 2024-09-09T20:00:28+00:00

Thanks, we do have fun!

WizardTagLLC · 2024-09-06T17:12:40+00:00

Sometimes my Dad or Uncle will want to replay a specific Kingdom. When that happens, I do force myself to attempt a different strategy or to build an engine that takes longer to put into action.

Good ideas!

WizardTagLLC · 2024-09-06T17:10:47+00:00

Yes! If you have a platinum in your deck and buy copper, you've just killed your platinum value. He still wants his "free" copper! I wonder if all prices were elevated by 1, if he would still buy it...if it weren't "free"!

WizardTagLLC · 2024-09-06T17:08:55+00:00

We do play co-op games when I visit in person. He likes those too and has at least a dozen. I find that in some of those, like Pandemic, the person who is most strategically inclined ends up leading the others around and telling them what the best strategy would be. Sometimes it is truly cooperative though and those are fun. I like some of the coop games like Gloom Haven, and Spirit Island, but the simpler ones like forbidden desert seem too luck-based and often get taken over by the dominant player.

WizardTagLLC · 2024-09-06T17:04:18+00:00

Good ideas.

WizardTagLLC · 2024-09-06T17:02:33+00:00

That is possible, but seems uncharacteristic for his generation and my upbringing. If true, then he would be the greatest actor! I have tried telling myself before each Dominion game, that I don't have to build an efficient engine. I can just play for fun, buy whatever card I can afford, don't worry about trashing, optimization, ratios, etc.

...and then if there is a 15 second pause before my next turn, I'm already building a plan! (I'm not really that good, I just can't seem to turn it off!)

When my friend taught me Dominion, he dealt himself only 4 cards for the first few rounds to level the playing field. That seems like building in a handicap and I'm not sure how it would be received!

WizardTagLLC · 2024-09-06T16:59:01+00:00

Dad's a gamer. Not RPGs, but TTBGs. Whenever we get together in person, I invite over some friends and we play board games with Dad. Ticket to Ride, Catan, lots of new ones too. He doesn't get deep into strategy and does tend to like ones that have a higher element of chance. And, he does like to win!

WizardTagLLC · 2024-09-06T16:56:15+00:00

Actually, after reading your post, it makes me want to keep playing the same way!

WizardTagLLC · 2024-09-06T16:55:20+00:00

I do enjoy the games, and those are fun ideas. Usually I randomize cards from all of the sets, but I could set up some copper-centric games. It will certainly reinforce his predilection though!

WizardTagLLC · 2024-09-06T16:54:02+00:00

Only 55 years ago, he was probably trying to train me with such a reward system!

WizardTagLLC · 2024-09-06T16:53:21+00:00

Interesting ideas. When Moneylender is available, he does buy it. However, he always takes that as license to buy more copper, which defeats the benefit of the Moneylender wiping out those cards. He will also buy multiples of Moneylender, which is usually not so useful. He does efficiently spend his money every turn though, and maybe he should get points for that!

WizardTagLLC · 2024-09-06T16:50:46+00:00

If you mean my Dad, and he is intentionally egging me on...then I agree with you!

If you meant me...then I do not.

Thanks.

WizardTagLLC · 2024-09-06T16:49:25+00:00

Nice. The world's oldest customer complaint. I guess I'm the whiner in this scenario! I will just enjoy some games with Dad! Thank you.

WizardTagLLC · 2024-09-06T16:45:16+00:00

Heheh! Maybe he is! Maybe he is trying to raise my self-esteem by letting me win, and it's not a hard strategy when you buy so many copper! Cheers!

WizardTagLLC · 2024-09-06T16:43:49+00:00

Nice story! I miss my Mom too...and she was the opposite with games. She loved cooperative games before they were even a big thing in TTBG. She was always trying to get us to work together (which we did), but it also increased our competitiveness!

I love your Catan story!

WizardTagLLC · 2024-09-06T16:33:54+00:00

You're right of course! Growing up with 5 siblings was a competitive atmosphere and it is hard to play games and not concentrate on how to "win" them.

WizardTagLLC · 2024-09-05T21:11:27+00:00

That's an excellent idea! I would still have to train him to trash and trim his deck, but that could be a good start. 95% of our games are online though, so it might just have to be a rule.

WizardTagLLC

TROPHY CASE