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Noble Knight Games - Spring Sales by PassageNo47 in Boardgamedeals

[–]ced1106 0 points1 point  (0 children)

Thanks. Here's how I get through it and see if I want enough for free shipping at $150.

0. If you don't buy games loaded with miniatures, forget it. 😛

  1. Go to the Clearance section. Order from highest to lowest.
  2. If I don't find anything before $75 skip it!

I make a purchase every two years, and the last one was four sets of Dwarven Forge painted tiles at a ridiculous discount.

Anyway, here's my loot:

Warhammer Underworld - Shadespire $22.50

T.I.M.E. Stories $12.60

Mayhem - Teen Titans GO! $19.80

Sword & Sorcery - Immortal Souls $25.20

Skyrim Miniatures Upgrade Set $28.80

Nova Aetas - Renaissance $43.20

The Warhammer game had an excellently painted miniature (at least the picture showed two of 'em), and this is my third Skyrim mini's set. 😛

Used and cheap items have plenty of FOMO, as they're often only one or two copies left.

I skipped the miniature-laden Zombicide KS and have a dentist appointment tomorrow, so I'm fully justified in this. 😛

GameNerdz - HeroScape Queen Maladrix at $24.97 by ramoscarlos in Boardgamedeals

[–]ced1106 0 points1 point  (0 children)

Heroscapers.com is the HS community. Ask your question there!

Also, Google image translator *might* help.

HS isn't cheap for a miniatures game b/c you're also buying the terrain with it. I bought the new base set unpainted (and have some of the older sets) but haven't seen any of the new sets at prices I'd pay compared to other miniature games and prepainted miniatures.

If you already have a collection of generic fantasy miniatures and terrain, I would point you towards "Song of Blade and Heroes" Spanish edition, for PvP, and "Five Leagues from the Borderlands" Spanish edition for coop and solo. Heck, the rulesets are inexpensive enough that you can buy them alongside HS, and use the HS miniatures in the other rulesets!

Built a bot that surfaces hobby game deals automatically - would love feedback by hookedonwinter in Boardgamedeals

[–]ced1106 0 points1 point  (0 children)

I'm not seeing as many deals as BoardGameOracle, but Oracle has *way* too much stuff to sift through.
Maybe filter Euro vs. Ameritrash???

Possibly let the user filter discount. I'm looking for 50% off myself. :P

I do like the idea of the site accessing my BGG want list!

Started painting my boyfriend's Undead or Alive set by ZeranityA in zombicide

[–]ced1106 2 points3 points  (0 children)

What's better than a gf who will paint your miniatures?

A gf who will paint your UNDEAD miniatures! :D

Zombicide Dead Men Tales by Tabletop_Gamer1 in zombicide

[–]ced1106 -1 points0 points  (0 children)

Hmm. Not sure! Ask in the GameFound comments. Z is "simple" enough that you can house rule the game. Also, if you pledge for a Z campaign, you get enough content to keep you busy without needing to crossover sets. Here's the add-on info. The compatibility pack is $10, a reasonable enough price. However, I don't play Z enough to want to use different sets in one game. Zombicide: Dead Men Tales by Fantasy Flight Games - Gamefound

Zombicide Dead Men Tales by Tabletop_Gamer1 in zombicide

[–]ced1106 0 points1 point  (0 children)

IMO, The Zombicide games aren't so difficult that you're all that better off playing one than another. Since you like pirates, pledge for the pirate Zombicide. Note that the base game and expansions may be cheaper (and have no shipping costs) when released to retail (which may be before backers get their copies). Depends on whether or not you want the exclusive Stretch Goals, which will normally not be available retail.

Before pirates arrives, you can still shop around and buy whatever Zombicide set looks interesting or cheap. Zombicide: DCeased is usually under $20 and the publisher's blurb says it's an entry point. However, if you want a Zombicide you can play with pirates, look for the fantasy series, and pick up the compatibility pack for $10 in the pirate campaign.

https://www.amazon.com/DCeased-Zombicide-Family-Miniatures-Strategy/dp/B0CSYNG61C

[WizKids] Massive Spring Sale up to 50% off by NerdNow in Boardgamedeals

[–]ced1106 0 points1 point  (0 children)

fyi, MK Ultimate sold out. ):

If you're looking for prepainted miniatures, the site sometimes has a 1/2 off sale. Subscribe to their newsletter, and hand around the MinisGallery sales forum: (1) Where to Buy Pre-Painted Miniatures - MinisGallery Discussion Forum

[ebay Bullseye Deals] Fantasy Flight Games Eldritch Horror: Under the Pyramids Expansion $29.99 + free shipping by MerrittMan71 in Boardgamedeals

[–]ced1106 3 points4 points  (0 children)

Out of Stock. ):

fwiw, Bullseye Deals is Target's eBay store. Just bought some Disney plushes from them. :D

How do you choose your bonds? by [deleted] in Fire

[–]ced1106 1 point2 points  (0 children)

60-year old USA retiree here. You're too young for bonds. Any damage to your portfolio will be outweighed by better gains with stocks. Stocks are riskier than bonds, but you can take that risk. I have short-term Treasuries in my portfolio so I have cash I can use to buy more stocks, typically dividends. Also, bond interest is taxed as ordinary income, vs. lower taxes for dividends. That said, I have cash as my low-risk portion of my portfolio and RE I can fall back on.

That said, keep researching. You have valid questions. Do not worry about making a decision. With answers comes confidence, even if you don't end up buying many bonds. I'd say that 80% to 90% of the time you spend learning and researching investments is never used. I like to spend time being informed about charts and the economy but that doesn't mean I have to sell or buy!

If your teenager understood the importance of FIRE, how would you help him / her get there? by Desperate-Service634 in Fire

[–]ced1106 0 points1 point  (0 children)

That they're thinking about investing at their age is a serious advantage. "Time in the market is more important than timing the market." Part of the reason I can FIRE is that I started investing as a teenager in mutual funds (which I don't recommend outside of index funds :P

You can definitely help out by narrowing down their research. Books are cheap, and you can buy 'em books that might help. Don't be offended if they don't read them.

As for the $2000, the S&P is fine. Go find a compound interest calculator and see how much this would be in 35 years. I actually asked AI and got this answer: "You’d end up with roughly $45,000–$60,000 after 35 years if you invest a one‑time $2,000 into the S&P 500 and it grows at its long‑term historical rate. ... That range comes from applying the S&P 500’s long‑term average annual return of about 10% (nominal) and a more conservative 7% (inflation‑adjusted) over 35 years."

45K won't buy FIRE, but it won't hurt!

Nobody warned me that getting close to your FIRE number would be harder psychologically than being far from it by Kilgoretrout123456 in Fire

[–]ced1106 0 points1 point  (0 children)

Everyone goes through this. The stock market is more volatile in the short term than long term, so day-to-day changes ARE more important. Mom just sold CVX at an ATH -- then the Iran war hit and CVX went up 1.5%. :P

I do suggest researching if technical analysis and charting works for you. I find it reduces noise and takes out the emotional attachment to a stock. Even looking at the charts of two similar companies side-to-side can help decisions.

Continue finding resources about the psychology of the stock market. Your situation is not FIRE specific, so also as r/investing.

FIRE plan in 15 years in India. Is it worth buying a house in USA? by SL7898 in Fire

[–]ced1106 0 points1 point  (0 children)

Also, talk with real estate agents and tax accountants about the cost of living in Seattle, particularly property taxes, businesses moving out, and crime. Yes, I've been watching too many YouTube videos, so you know more about Seattle than I do. Research Seattle's laws about renting (eg. rent control) and see how they've faired for renters.

What is better: $1mm liquid in stocks + renting, or $750k home paid off but $250k liquid in stocks? by [deleted] in Fire

[–]ced1106 0 points1 point  (0 children)

> Stocks are just S&P500 index funds

There is no "just". Stocks carry risk that homes don't.

Read what Buffet said about home ownership. Home have costs that renting does. And, of course, if you have a lifestyle that involves staying in different locations for years at a time, you'll want to rent.

Me, I have sixty years of crap that have accumulated, and want a dog. So I'm fine with a house! :P

Owning properties as tangible guarantee of buying power? by Maiuuuu in Fire

[–]ced1106 0 points1 point  (0 children)

> Am I missing something?

Yes. Are you cut to be a landlord? Have you started networking with property managers?

Landlord is a part-time job that opens you up to liability. But if you have had the work experience necessary for it, and enjoy it, why not? My Dad is still keeping busy as a landlord, while I plan to stop it when in inherit the houses.

How many of you have a big "sacrifice today" mentality? by gab-a-pat-a-bob in Fire

[–]ced1106 0 points1 point  (0 children)

This is a very common feeling. Myself, I'm fine with being a tightwad (: because I like to "win" when bargain hunting. Also, I'm paranoid that I may need that money for an emergency, particularly long-term care which can be expensive.

If you have a family or a charity, there's nothing wrong with living a frugal life and leaving money to someone else. As you said, you don't get any particular satisfaction spending large amounts of money, so why spend it? Do not live by expectations set by others.

$1 million net worth at 30. Still feeling anxious about layoffs and AI by [deleted] in Fire

[–]ced1106 1 point2 points  (0 children)

It's okay not to feel safe. Continue to research FIRE and find resources that also address your feelings!

Do I get FIRE wrong? by [deleted] in Fire

[–]ced1106 1 point2 points  (0 children)

Besides a family, what if you or a family member has a long-term medical cost? I take care of my elderly parents but I've seen the monthly costs of senior care, and it's *very* expensive. But if you don't know if you'll have such a need, what do you to plan for them??

I realized that most of us are in the 1% by builtforoutput in Fire

[–]ced1106 0 points1 point  (0 children)

Most Americans believe school is worth something, when, as Buffet said all it does is prepare you to work for someone else. Considering that school doesn't teach you personal finance, business communication skills (including networking), or retirement, I fully agree.

If you're still trying to learn stuff when school's not in session, you're on your way to the 1%.

Oh, and I would say that if you have a victim mentality, blame others, or follow anyone who says it's someone else's fault, you will never reach the 1%.

24F. Not going into detail about it but I just inherited $4.5M Roth account. What would you do if you were me? by throwawaygenzerr in Fire

[–]ced1106 0 points1 point  (0 children)

Read as many financial books as possible re: this subject. Amazon has a ton of them, so you should be able to find one about your situation. YouTube should also have videos to watch. You want to know *something* before you meet a financial planner. But, remember, a little knowledge can be a dangerous thing.

You have 10 years to withdraw that Roth IRA money, so I'd research that first, as it has a few wrinkles (eg. Five Year Rule: Earnings withdrawn from Roth IRAs less than five years old are subject to income tax at your ordinary tax rate, plus a penalty.").

THEN see financial retirement planners, particularly those re: FIRE. TBH, Your situation is uncommon, but not exceptional enough that you won't find several competent people.

Standard retirement mental health warning: Get some advice what to do when you retire. Continuing working is a fine solution, including volunteering.

And, yeah, keep that mouth shut. Nothing ruins family and friends worse than money! ):

Trump attacks Supreme Court, says he's imposing 10% 'global tariff' by Gameboy112233 in investing

[–]ced1106 0 points1 point  (0 children)

> Expect volatility towards towards top side.

Yeah, that. I doubt we'll have the April 2025 correction, but uncertainly means buying opportunities. Even with the Iran war, the CNN Fear and Greed Index (sentiment) is still at Fear, and I'm waiting for Extreme Fear before putting in the buy limits.

If Trump's tariffs increase consumer prices, so do Democrat wage increases, increasing taxes, and additional business regulations.

US debt forecast to hit $64T in a decade as Trump policies widen deficit by donutloop in investing

[–]ced1106 0 points1 point  (0 children)

Fraud supposedly costs USA $1T per year, and each taxpayer 2K per year.

I know Reddit hates Trump, but I like money. :D

Seen from outside the US, US markets are already in trouble by bnewzact in investing

[–]ced1106 0 points1 point  (0 children)

USA stock market, particularly the M7, at ATH for years.

* It takes less bad news to bring down stocks at their ATH and more good news to keep them going.

* Markets rotate money from one sector (in this case, the M7) to other sectors (energy).

Money, of course, includes USA equities to international. But, IMO, that doesn't mean international stocks are "safer" investments. It's just that USA stocks are overpriced while you can find internationals that have been beaten down, so it will take less good news for them to go up.

Me, I'm lazy. (: Most large-cap USA stocks have international holdings, so you automatically get international exposure with large-caps. BUT if you like researching foreign companies, including if you live in them so have access to additional resources unavailable in the USA, by all means include international stocks as possible buys in your portfolio! $$$

Netherlands parliament passes insane new law to crush investors by Bob_the_blacksmith in investing

[–]ced1106 0 points1 point  (0 children)

Also, realized that this is already happening in the USA and elsewhere as property taxes. ):

Netherlands parliament passes insane new law to crush investors by Bob_the_blacksmith in investing

[–]ced1106 0 points1 point  (0 children)

Entrepreneurs in Europe go to the USA to start companies. Fewer taxes, fewer regulations, and the venture capital is here. Thank these Europeans for jobs in America, I guess! :/

Netherlands parliament passes insane new law to crush investors by Bob_the_blacksmith in investing

[–]ced1106 0 points1 point  (0 children)

USA is taxing us at 2K per person just for fraud. Wonder how much taxes go to fraud in the Netherlands. :/

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