Question triggered by an answer to the Halo post, where somebobody mentioned Doom...and BAM, IDDQD just popped right into my head from the dark depths of my gaming memories.
Come on, Up Up Down Down Left Right Left Right B A Start people, whatcha got?

I created a function to calculate time passed in seconds between two YYYYMMDDHH24MISS variables (one being a_now) and then to see if the time passed in seconds is lower or greater than a user input number in seconds. I can return 0 or 1 but i would like to have the function return break or continue as output. I want to use the function to allow another script to run it's course or to break.
This is the code

checktime(last_press, duratadefinita := 3600) { duration := a_now EnvSub, duration, %last_press%, seconds Sleep, 1000 If (duration < duratadefinita) { rezultat := 0 } Else { rezultat := 1 } /* return rezultat */ return break } 

Related to this, is anyone familiar with Pulover Macro? I use it to generate my code but i can't find the option to set a lower sleep time after some actions (in this case it forces a 1 sec sleep on envsub)

I can't seem to figure out why ChatGPT is only (as I believe) using an transformer architecture?
I mean like I am building an AI with the goal of being very, very accurate and efficient in generalization and just be very intelligent.
I am using several methods most of them already existing and few of them which I came up with.
My AI is divididen in parts:

1. Read, 2. Creative thinking, 3. Logical/Critical thinking, 4. Write, 5. Memory.

For read and write I am using existing architectures. And for the memory I am using something way different from AI but definitely makes the AI smart.
Thanks to my memory it can learn in real time based on prompts. Eg: 7+9 = 16. It still needs a ton of data to actually succefully perform addition relative to humans who don't need a ton of examples.
And when a user asks something, it will go through the read part so the AI "knows" what to do with it. Now all the magic happens at the creative thinking part. Because with my theory (haven't coded it yet, but in theory it should work.) it can actually generalize very, very well. The creative thinking part will use the info provided by the read part to acces the memory part and select the required information.
The memory stores only numbers. Numbers that setup neural networks. These numbers are important for retrieving the information stored in the memory. Thanks to my memory setup, the creative thinking part can link different NN with each other. For instance:
I = 7+8*2
The read part understands that it is an mathematical problem and thus passes the info to the creative thinking part. (The creative thinking part isn't always creative! I gave it this name because it has the ability to be creative but it also just gets the correct answer for for instance mathematical problems.) The creative thinking part will link order of operations with addition and multiplication and fires them in order. So thanks to order of operations it will know that it needs to do 8*2 first and then 7+16 = 23. This is an simple example of generalization. The concept is the same for other things. Like if we wanted to create an time machine, then it might link Physics, quantum physics, astrophysics with eachother (have no idea but that's what I think lol) Like blackholes cause time to slow down for you so yea it might link that with it and actually use that.
I have already created the memory part and the real-time learning system. It automatically overrides NN's in the memory with new information. Just like humans. And learns in real-time. I am saying NN's in the memory because all the memory stores is the values given by the learning phase when it succesfully learned to do something and never makes mistakes anymore. So weights, biases are stored and when it needs to be used, it will create an NN with the values to retrieve the answer. - The creative part sets up the NN with the values.
What I currently have works. The only thing that still needs to be coded is the creative part.
Now what I don't really get is, my approach (did not tell you everything) should in theory make the AI better but it is an fairly simple concept. If I told you, you would get an "ahhh" moment. Now ofcourse, the thing that actually makes my AI better than other current models is the creative part. The memory is very simple just like the learning phase. And without the creative part it is nothing. The memory I have and the learning phase just makes it to actually understand stuff. So this prevents it from delivering inaccurate information when it learned something.
The big difference right now between mine and others is that it doesn't respond based on patterns. Instead it bases it's responses on things it learned.
Now I understand that pattern recognition can indeed also make an AI very smart, but it will never actually really think and know what something is. Whereas in the creative part it does generate relevant or irrelevant thoughts but still accurate thoughts. And the memory is just basically stored knowledge which makes it know stuff. And right now that is probably the closest I will get to representing it to know stuff compared to humans.
Let me know your thoughts on this! I apologize for repeating some things if I did.

Bovada Sportsbook Review 2024

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Scroll down to choose your bonus before deciding what amount you will deposit. There may be additional bonus offers available that are better than the one you were going to use.Choose Your BonusScroll down to choose your bonus before deciding what amount you will deposit. There may be additional bonus offers available that are better than the one you were going to use.
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If you do not understand what a rollover requirement is then please take the time to read.
What is rollover?
Rollover, or playthrough, is the total monetary amount of bets (aka handle) you need to place in order to cash out your bonus along with any winnings attached to that bonus. When it comes to Rollover, your wins and losses don’t matter, each qualifying bet contributes to handle, and the Rollover required.
Sportsbook Details:
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There are also some games in the Casino that contribute differently to your requirement.
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Biggest Complaint at Bovada is the Roll over If you do not understand what a rollover requirement is then please take the time to read.What is rollover?Rollover, or play through, is the total monetary amount of bets (aka handle) you need to place in order to cash out your bonus along with any winnings attached to that bonus. When it comes to Rollover, your wins and losses don’t matter, each qualifying bet contributes to handle and the Rollover required.Sportsbook Details: Meeting Rollover in our Sportsbook is a tad different. For winning wagers we’ll credit the lesser of the risk amount or win amount. If your bet loses, your risk amount contributes toward Rollover no matter what. However, bets graded 'No Action', a tie or Pushed bet, along with canceled or voided bets, do not contribute in any way to the play through requirements of a bonus. Casino Details: There are also some games in the Casino that contribute differently to your requirement. For full bonus details, including the Play through Requirement for your bonus, click the drop-down menu or Bonus Description. If the bonus you’ve claimed is a Deposit Match, the requirement is a multiplier of the Bonus + The Deposit Amount:Ex. Deposit $100 + $100 Bonus = $200 X Rollover Multiplier (Varies by Bonus)
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Hi everyone, I am a research librarian at Northeastern and I want to advertise three co-ops at the library which are still looking for the right candidates. All three are full-time fall co-ops (July to December) which have a different mix of communication skills and technology skills required.
ID 110579 - mostly communications, learn about geospatial data
This is a co-op position supporting geospatial research at NU, for which the most important qualifications are outstanding outreach and writing skills, as this co-op will play a pivotal role in coordinating future events, including GIS Day, and conducting outreach for our planned centralized GIS system. No prior experience with geospatial data is required, as there will be opportunities for training as part of the position.
I think the right folks for this position have been overlooking the ad because they assume they'd need data and GIS skills for it, but in fact you don't even need to know what GIS stands for. (It's "Geographic Information System" -- basically, digital mapping.) As an example project for the kind of work this program does, take a look at The Fugitive Barbados Mapping Project: that was done by a history student with no prior background in GIS, taught by my colleague. So please don't be scared off by the job title, and give it a look! You can also reach out to Bahare Sanaie-Movahed at [b.sanaiemovahed@northeastern.edu](mailto:b.sanaiemovahed@northeastern.edu) if you have any questions.
ID 110593 - mix of communications and digital research tools
Works at the intersection of the library’s Boston Research Center and University Archives and Special Collections to develop public histories and programming using data and archival research.
Projects may include support for the 115th anniversary of co-operative education at Northeastern, digital exhibit curation, physical exhibit curation, support for resource center and student group programming on campus, and social media campaigns. This co-op offers an opportunity to refine and improve their research and communication skills while learning how to use information organization platforms and digital scholarship tools. Work will also include day-to-day collections research, reference, and instruction support.
ID 110512 - for someone who can already code
The Digital Scholarship Group in the Northeastern University Library (https://dsg.northeastern.edu) invites applications for a coop position as DSG Lab Developer. This position will work closely with the DSG Data Engineer and other DSG staff on the development of an initial version of the DSG Data Lab. The Data Lab is planned as an online platform to showcase complex data generated by DSG’s projects and collaborations, through a variety of different visualizations. The DSG works with a wide range of faculty and staff on research and teaching projects focused on using digital tools and methods in humanities research, so these projects generate complex data that poses innovative challenges for visualization. This position will run from July through December, 2024.
Responsibilities and tasks will include developing the interface and user experience for the Lab, assisting with data transformation and data pipelines, and developing prototype visualizations based on DSG data sets. Our initial focus is on a data set based on archival records from the Massachusetts Historical Society, but time permitting we may also work with data from other DSG projects. Essential skills include:

• Front-end development skills and experience (Javascript, HTML, CSS, React)
• Experience with data analysis and visualization
• Experience with interface and user experience design
• Experience working with version control and collaborative development tools such as GitHub

To learn more about any of these jobs or to apply, please look them up in NUWorks with their job IDs! I can also try to answer questions here if you have any.

Pathological Jealousy from a Forensic Psychiatric Perspective
https://www.cambridge.org/core/journals/advances-in-psychiatric-treatment/article/aspects-of-morbid-jealousy/06CBB7BF78CC43C785AE6F7C0F0046C9
The fear of loss and hyperfocus on the fear of loss seems to be behind a lot of the behavior to do with jealousy.
"The threat of losing a partner is expressed cognitively, emotionally and behaviorally. At the beginning the dominant component is emotional, related to a threat of a personal loss (of a partner, relationship, plans, life, stability), negative attitude towards a rival, as well as a partner, the feeling of injustice and loneliness."
Anger at the fear of loss begins to emerge.
"According to Zywucka-Kozlowska and Wlodarcyzk, jealousy is an anger, occurring on certain circumstances, based on two elements; emotions and situations. Emotions arise from the construction of human psyche, while situation arises from conditionings of the external world. Jealousy understood as an emotion is based on the insecurity towards own self-worthiness as a person as well as own attractiveness (including sexual attractiveness) for the partner."
The anger motivates the aggression to mitigate the risk of fear of loss
"Change in a way of perceiving a threat of losing a valued partnership (hypothesis, suspicion, interpretation) in favor of a real or imaginary rival who would enter an emotional relationship with a partner. It is accompanied by a mixture of various interpretations of the partner's behaviors as well as those of the rival, which generate anxiety and incline a jealous person to search for evidence of infidelity or to actions aiming at prevention of potential infidelity. The jealous person accumulates sorrow, anger, hatred, bitterness, which can epitomize in accusations towards an erotic partner."
Feelings of inefficiency and inability to satisfy cause a sense of fundamental insufficiency that begins the anger that evokes jealousy
"Factors often listed as contributing to evoking jealousy in men are as follows: erectile dysfunction, a feeling of inability to satisfy a partner's sexual desires, decrease of women's sexual drive, differences in attractiveness of partners, experience of an actual infidelity in the past, feeling of inefficiency to fulfill social roles, or psychopathological disorders expressed by alcohol abuse, personality disorders and delusional syndrome."
Putting the cart before the horse of accusations freaking out the accuser is seen, causing more anxiety as there is no good way to respond to an irrational delusion.
"Simultaneously, suspicion and distrust towards the partner and other people grow, then imaginary accusations and convictions appear. Consequently, these convictions intensify the fear, fury and further anxiety which additionally increases the amount of false judgements."
They also show inability to control jealous thoughts
"Infidelity, however, are not able to suppress the key psychic aspect of their jealousy, namely intrusive thoughts about infidelity, which they cannot control. Jealousy in its overvalued idea takes on a form of a dominant thought, however, a jealous person does not have assumptions of the intensity of delusions."
This shows jealous behavior is linked to obsessive compulsive disorder, which is linked to fear of loss. Only its aggressive instantiation is linked to jealous behavior though.
Anger at the fear of loss increases stress which makes the brain's delusions more aggressive as happens whenever the brain is infused with excess cortisol.
"It is necessary for a person to display anxiety, fear of losing a partner or his or her position in the partnership, which should evoke stress and interfere with function of the jealous person, both people, or partnership."
Invasion of private areas of an individual's processing is a key signs of jealousy, as is the aggressive imposition of humiliating the partner to "get back" for their delusions where they were humiliated which never occurred
"Typical behaviors accompanying delusional jealousy include: multiple accusations about infidelity without sufficient evidence, demands for assertions or imposing of pledging faithfulness, humiliating and controlling partner's behaviors as well as demanding information concerning thoughts, views, and fantasies."
Overvaluation of the delusional idea also includes overreading of the facial expression for "signs" of confirmation. Hyperfixation on sentiment analysis may belie a deeper delusion behind the person hyperfixated.
"The so-called delusional activity comes down to realizing powerfully expressed need of control in form of various ways of manipulating, deceiving, searching for personal belongings, listening in telephone calls, and controlling correspondences. Emotions present at that time such as anger, sorrow, pain humiliation, fear and contradicting desired lead to increasing search for eventual evidence of infidelity, which could not be found, which in turn make neutral behavior acquire characteristics of these evidences."
Insatiability is seen on the jealous, showing extremes of violation to satisfy a delusional possessiveness, all the more disturbing when there is no actual partnership. The insatiability belies the psychotic instantiation
"A greater integrity of partnership, however, this lasts only a certain time. Usually, there comes a moment when a partner is not able to fulfill the expectations of a jealous person because it is infeasible. Attempts at leaving the above described constellation by one of the partners turn into an embers of anxiety, fear and evoke suspicion of disloyalty, to the pathological extent."
Schizophrenia, depression, substance use and OCD are all seen on those with pathological jealousy.
"On the other hand, Singh et al. indicated that the most common diagnoses related to morbid jealousy were schizophrenia (34%), depression (30%) and substance abuse (20%) jealousy with morbid intensity occurred also in bipolar affective disorder (6%) and other mental disorders. 10%-obsessive-compulsive disorder."
Expectation of reward and aggressive dopamine shunting as an irregularity were seen in these brains, linking jealousy to envy circuitry.
In confirmation of this, jealousy showed signs of behaving just like an addiction, trying to get a higher hit. Addiction is not logic, it creates rationalization.
"In respect to women, intensity of jealousy negatively correlated with the length of a relationship, and positively with the intensifying symptoms of an addiction."
False reception of various actions are treated as real, and memories are reinterpreted (and thus reconstructed) as pathological, leading to a strong emotional charge. Basically, reading neutral information wrong as often seen on the jealous leads to the anger that leads to fear of loss, and the stress that creates delusion.
"In delusional disorders focusing on a partner's infidelity, jealous people treat their false reception of various actions as real and intensify it by pathological interpretation of memories which are in turn strengthened by strong emotional charge. By doing this, quasi-logical systems of jealousy are created. They constantly accuse a partner of infidelity and stubbornly attempt to validate their suspicions by delusional activity. Sometimes, "interrogations" can take a form of tortures, and inspections are not limited to checking possessions, but also involve partner himself (including genitalia)."
Delusions of humiliation seem to be psychotic expressions of fear of loss, the fear of having lost while acting like one has not.
"It seems that in the case of people with increased levels of jealousy, situations when they feel moral pain associated with a false conviction that the environment knows about a partner's infidelity, can be especially painful. Situations n which they feel threatened, associate with a possibility of infidelity, disloyalty, embarrassment or humiliation (imaginary or real) weaken their self-control. Most often, there is a chronic situation of mental burden and increasingly growing tension."
Highly suspicious hostility leads to anxiety and negative attitudes towards other people.
"They are highly suspicious, which is expressed by hostility towards the environment, caution towards people, which leads to experiencing anxiety and negative attitudes towards other people."
Emotional-delusional explains a lot of the general type of rationalization, denial, and cart before the horse thinking seen on the jealous person.
"Przybylek at al.[30] drew similar conclusions and stated that in the group of emotional-delusional murderers there are perpetrators who, apart from delusional aspect, are motivated by revenge, feeling of injustice or feelings of insecurity and fear, which additionally weakens their ability to control their actions while committing a crime."
People with delusional jealousy often struggle to see their own jealousy or envy, showing again the denial element of the psychotic behavior witnessed. Lowered level of sense of illness (not admitting they have a problem) is a well known sign of an extremely high risk person for committing violence.
"Usually crimes motivated by jealousy are associated with a chronic psychotic process which is concentrated on a partner, a suspected rival, or other people who 'assist' infidelity. People with delusional jealousy have also a very low level of criticism towards own convictions. A lowered level of illness insight is a well-known factor of aggression risk, which should cause expert witnesses to balanced assessment in terms of the necessity of using security measures."

Disclaimer: All codes are tested before trade or sale and must be redeemed immediately (for personal use, not for resale or retrade). Unless stated otherwise, all codes are split whenever possible, so redeem only the part that was agreed upon. Assume no reward points are included, but you’re welcome to them if they are.
All WB titles are supposed to be valid and are tested before completing the trade… On the same note, I don’t believe GP codes are going anywhere, but let’s trade them anyway, just in case…
UPDATING LIST AS I REVIEW THE CODES
*007 Daniel Craig 4-Movie Collection (4K) (Vudu)

Hi all! I’ve been learning Rust and wgpu for ~2.5 months and built a 3D web browser shooter in that time. And while I’m still very much a beginner, I wanted to share what I've learned.
Playable PC Browser demo here: https://www.benny-wilson.com/rust_wgpu/
https://preview.redd.it/guplyxjq1n0d1.jpg?width=1834&format=pjpg&auto=webp&s=66e32fe8050e4cb2e0be41ed9c0d4317fdf7b8b5
Rust is a complicated language

• “Rust Programming Language” is a must read. I’m up to Chapter 10 myself.
• “Learn WGPU” is a great resource for learning wgpu. I consider it also a must read.
• Check out other Rust projects on GitHub. Ex: vhiribarren’s wgpu-sandbox repo helped me learn how to make web builds.

Have fun exploring external crates in the beginning!
Here are some I’m enjoying:

• cgMath: Linear algebra and math
• getrandom: Random data generator. (Used because rand crashes on web builds).
• gltf: Provides model+texture loading functionality for the .glTF format.

Get code design feedback from experienced Rust devs

• When the borrow checker comes for you (and it will), don’t hesitate to ask for help.
• Don’t bother trying to disable the borrow checker. I’ve tried. Others have tried. Many more will try.

And when in Rust, do as the Rust devs do!

• Follow common conventions, leverage language features, and go with the flow!

More details, and Github repo!

• Blog with more of my thoughts on Rust: https://www.benny-wilson.com/make-a-rust-shoote
• Github repo: https://github.com/bennywilson/kbEngine3

Thank you for reading!

Hello!!
Make sure to enter the code after you buy the game and BEFORE you start up your subscription to get your rewards.
How to redeem:
1) Login to your FFXIV account on the Mogstation: https://sqex.to/msp
2) "Registration Codes" on the left-hand side menu
3) Click "Enter Recruitment Code" and enter the code: 97ZBR53Q
What you'll get:
A) Friendship Circlet - Increases EXP earned by 20% when level 25 and below
B) Aetheryte Ticket x 99 - To teleport to different zones with no cost!
C) 10 Silver Chocobo Feathers - To trade in for high level gear (You can trade these at any Calamity Salvager NPC in Gridania, Limsa Lominsa or Ul'dah)
D) Ballroom Etiquette: Improper Greetings - It allows you to do "Fist Bump" emote! (/fistbump, /brofist)
E) My gratitude.

⚜️ Freeman Old Star Shipyard of Tortuga ⚜️

🔥 HOT SALE & SPECIAL OFFERS & Warbond CCU 🔥

CCU - FROM	-> TO	Save $	Warbond Bonus	Price
Razor	Retaliator Base	-	-	$7
Prowler	600i BIS 2953	🔥	+paint & poster	$40
Hull D	Orion	$50	120m	$50
Prowler	Hull D	$65	-	$45
Razor	SRV	$15	-	$5

⚜️ ➤ If you want to buy something, SEND PM me or send me DM to AlexFreeman#8529 in Discord. ⚜️

My old store pages with trade history: vol.1, vol.2, vol.3

Tip: Use on keyboard to search for the ship you want  
⚜️ ➤ I want to buy store credits ⚜️ I am waiting for your commercial offers  

⚜️ ➤ REFERRAL SERVICE ⚜️

Quantity	Price, $
1 referral	$--
5+ referral	$-- for each

Information about rewards can be found here - https://robertsspaceindustries.com/referral-program Consider using my referral code STAR-57F5-QBC9 when creating a new account and receive 5000 UEC in game. 🔥Anyone who uses my referral code becomes my guest of honor and receives discounts in my store🔥
 

🔥Hot discounts🔥

Item	Insurance	Price,$(CCU-ed)
Pulse +Dominion Paint	LTI	$25🔥
Pulse LX +Dominion Paint	LTI	$25🔥
F7C Hornet Mk II +Ironscale Paint	LTI	$160🔥
600I BIS 2953 +Paint&Poster OC	10y	$575🔥
Redeemer BIS 2953 +Paint&Poster OC	10y	$430🔥
Corsair BIS 2953 +Paint&Poster OC	10y	$350🔥
Vulture BIS 2953 +Paint&Poster OC	10y	$275🔥
600i Explorer BIS 2951 + Paint & Jacket CCU'd	LTI	$400🔥
MERCURY STAR RUNNER BIS 2951 + Paint & Jacket CCU'd	LTI	$210🔥
MERCURY STAR RUNNER BIS 2952 + RED ALERT Paint CCU'd	LTI	$260🔥
CARRACK BIS 2952 + RED ALERT Paint CCU'd	LTI	$600
LTI Upgrade - Reliant Kore to CNOU Nomad	LTI	$80
LTI Upgrade - 315P to CNOU Nomad	LTI	$100
M50 Subscriber Edition	LTI	$98
Cutlass RED Subscriber Edition	LTI	$133
Mantis Subscriber Edition	LTI	$148
Sabre Subscriber Edition	LTI	$168
Add-Ons - Endeavor Telescope Pod	10y	$135
Add-Ons - Endeavor Biodome Pod	10y	$110
Add-Ons - Endeavor Fuel Pod	10y	$40
Add-Ons - AEGIS Idris P After Market Kit	LTI	$260

   

⚜️ ➤ CONCIERGE PACKAGES:

Item	Insurance	Includes	Price
UEE EXPLORATION 2948 PACK	LTI	SC+SQ42+VFG+20k	$800
SCOUNDREL PACK	LTI	SC+SQ42+VFG+20k	$740
ENTREPRENEUR PACK	LTI	SC+SQ42+VFG+20k	$640

   

⚜️ ➤ ORIGINAL CONCEPTS and Cross-Chassis Upgraded ships:

Item	Insurance	CCU-ed	Original concept ♻
100I	LTI	$60	-
125A	LTI	$60	-
135c	LTI	$65	-
300I	LTI	$60	-
315P	LTI	$65	-
325A	LTI	$70	-
350R	LTI	$145	-
400I	LTI	$235	-
600I TOURING	LTI	$390	-
600I EXPLORER	LTI	$400	-
600i Explorer BIS 2951 + Paint & Jacket	LTI	$400	-
890 JUMP - IAE	10 years	-	$1250
A1 SPIRIT	LTI	$160	-
A1 SPIRIT + Intrepid Paint	LTI	-	$255
A2 HERCULES	LTI	$735	-
A2 HERCULES - IAE 2949	10 years	-	$750
Ares Inferno	LTI	$235	-
Ares ION	LTI	$235	-
Argo MOLE	LTI	$299	-
AVENGER STALKER	LTI	$60	-
AVENGER WARLOCK	LTI	$85	-
Avenger Titan - IAE 2949	10 years	-	$67
APOLLO TRIAGE	LTI	$235	-
APOLLO MEDIVAC	LTI	$260	-
ARROW	LTI	$75	-
BALLISTA	LTI	$125	-
BUCCANEER	LTI	$115	-
BLADE	LTI	$245	-
C1 SPIRIT	LTI	$110	-
C2 HERCULES	LTI	$385	-
CARRACK	LTI	$585	-
CATERPILLAR	LTI	$255🔥	-
CATERPILLAR BEST IN SHOW EDITION	LTI	$333	-
CENTURION	LTI	$105	-
CONSTELLATION TAURUS 🚚	LTI	$175	-
CONSTELLATION ANDROMEDA	LTI	$225	-
CONSTELLATION AQUILA	LTI	$295	-
CORSAIR	LTI	$189🔥	-
CORSAIR + Name Reservation	LTI	-	$777
CRUCIBLE	LTI	$335	-
CUTLASS BLACK	LTI	$99	-
CUTLASS BLACK BEST IN SHOW EDITION	LTI	$110	-
CUTLASS RED 🚑	LTI	$120	-
CUTLASS BLUE	10 years	-	$175
CUTLASS BLUE	LTI	$160	-
CUTTER	LTI	$70	-
CUTTER SCOUT	LTI	$80	-
C8R PISCES	LTI	$65	-
C8X PISCES EXPEDITION - IAE 2949	10 years	-	$62
CYDNUS	LTI	-	In Development
DEFENDER 🛸	LTI	$185	-
DRAKE DRAGONFLY RIDE TOGETHER TWO-PACK	LTI	-	$190
E1 SPIRIT	LTI	$135	-
E1 SPIRIT + Olympia Paint	LTI	-	$235
ECLIPSE	LTI	$265	-
ENDEAVOR BASE	LTI	$335	-
EXPANSE	LTI	$135	-
F7A HORNET	LTI	-	In Development
F7C HORNET	LTI	$112	-
F7C-S HORNET GHOST	LTI	$110	-
F7C-R HORNET TRACKER	LTI	$125	-
F7C HORNET WILDFIRE	LTI	$160	-
F7C-M SUPER HORNET	LTI	$165	-
F7C-M SUPER HORNET HEARTSEEKER	LTI	$180	-
F8C LIGHTNING	LTI	-	In Development
FREELANCER	LTI	$100	-
FREELANCER DUR	LTI	$120	-
FREELANCER MAX 🚚	LTI	$135	-
FREELANCER MIS	LTI	$160	-
Fury +Leatherback Paint	LTI	-	$80
Fury MX +Leatherback Paint	LTI	-	$80
GALAXY + Protector Paint	LTI	-	$450
GALAXY	LTI	$365	-
GENESIS Starliner	LTI	$385	-
GLADIATOR	LTI	$150	-
GLADIUS	LTI	$90	-
GLADIUS VALIANT	LTI	$110	-
GLAIVE 🛸	LTI	$295	-
HAWK	LTI	$102	-
HAMMERHEAD	LTI	$710	-
HERALD	LTI	$85	-
HOVERQUAD	LTI	-	$50
HULL A	LTI	$90	-
HULL B	LTI	$125	-
HULL C	LTI	-	-
HULL D	LTI	-	-
HULL E	10 years	-	$777
HURRICANE	LTI	$180	-
KHARTU-AL 🛸	LTI	$155	-
LIBERATOR	LTI	$560	-
LYNX + Moonrise Paint	LTI	-	$105
M2 HERCULES	LTI	$505	-
M50 INTERCEPTOR	LTI	$102	-
MANTIS	LTI	$135	-
MERCHANTMAN	LTI	$585	-
MERCURY STAR RUNNER	10 years	-	$250
MERCURY STAR RUNNER	LTI	$199🔥	-
MERCURY STAR RUNNER BIS 2951 + Paint & Jacket	LTI	$210	-
MPUV Cargo - ILW	10 years	-	$40
NAUTILUS	LTI	$710	-
NOMAD	LTI	$80	$110
NOVA TANK	LTI	$110	-
ODYSSEY	LTI	$685	-
ORIGIN G12 (Touring)	LTI	-	$78
ORIGIN G12A (Combat)	LTI	-	$88
ORIGIN G12R (Racing)	LTI	-	$78
ORION	LTI	$560	-
P-72 ARCHIMEDES EMERALD	LTI	$150	-
PERSEUS	LTI	$660	-
PERSEUS - ILW	10 years	-	$690
PERSEUS + Thundercloud Paint - VIP Exclusive	LTI	-	$900
PIONEER - IAE	10 years	-	$1150
POLARIS	LTI	$745	-
POLARIS - ILW	10 years	-	$760
PROSPECTOR	LTI	$140	-
PROWLER	LTI	$360	-
RAILEN 🛸🚚	LTI	$190	-
RAFT 🚚	LTI	$115	-
RANGER CV	LTI	-	-
RANGER RC	10 years	-	$50
RANGER TR	10 years	-	$50
RAZOR	LTI	$130	-
RAZOR LX	LTI	$135	-
RAZOR EX	LTI	$140	-
RETALIATOR BASE	LTI	$135	-
RETALIATOR BOMBER	10 years	-	$280
RETALIATOR BOMBER	LTI	$260	-
RECLAIMER	LTI	$385	-
REDEEMER	LTI	$310	-
REDEEMER - ILW	10 years	-	$300
RELIANT KORE	LTI	$65	-
RELIANT TANA (SKIRMISHER)	LTI	$80	-
RELIANT SEN (RESEARCHER)	LTI	$90	-
RELIANT MAKO (NEWS VAN)	LTI	$95	-
ROC	LTI	-	$140
ROC Subscribers Exclusive	LTI	$60	-
ROC Subscribers Exclusive	12m	-	$54
ROC-DS	LTI	$75	-
SAN'TOK.YĀI	LTI	$205	$400
SABRE	LTI	$155	-
SABRE COMET	LTI	$170	-
SCORPIUS ANTARES	LTI	$181	-
SCORPIUS	LTI	$191	-
SPARTAN	LTI	$80	$100
STARFARER	LTI	$285	-
STARFARER GEMINI	LTI	$270	-
STORM + Summit Paint	LTI	-	$130
STV + Blue Steel Paint	LTI	-	$55
SRV	LTI	$135	-
TALON	LTI	$115	-
TALON SHRIKE	LTI	$118	-
TERRAPIN	LTI	$205	-
VANGUARD HOPLITE	LTI	$220	-
VANGUARD WARDEN	LTI	$245	-
VANGUARD SENTINEL	LTI	$260	-
VANGUARD HARBINGER	LTI	$275	-
VALKYRIE	LTI	$270	-
VALKYRIE BIS 2950	10 years	-	-
VULCAN	LTI	$185	-
VULTURE	LTI	$135🔥	-
X1 BASELINE EDITION	LTI	-	-
X1 FORCE EDITION	LTI	-	-
X1 VELOCITY EDITION	LTI	-	-
Zeus Mk II ES +Solstice Paint	LTI	-	$235
Zeus Mk II CL +Solstice Paint	LTI	-	$235
Zeus Mk II MR +Solstice Paint	LTI	-	$270

⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️

⛵CLICK HERE TO PLACE AN ORDER ⛵

 

⚜️ ➤ SHIP PAINTS:

Item	Price
2951 Auspicious Red Paint Pack	$22
2952 Auspicious Red Paint Pack	$24
Nomad - 2951 Auspicious Red Paint	$11
Freelancer - 2951 Auspicious Red Paint	$14
Constellation - 2952 Auspicious Red Paint	$14
Sabre - 2952 Auspicious Red Paint	$12
Lovestruck Paint Pack	$26
HoverQuad - Lovestruck Paint	$8
MPUV - Lovestruck Paint	$8
Cyclone - Lovestruck Paint	$8
Arrow - Lovestruck Paint	$8
Nomad - Lovestruck Paint	$10
RAFT - Lovestruck Paint	$10
SRV - Lovestruck Paint	$11
Scorpius - Lovestruck Paint	$14
Ares - Lovestruck Paint	$14
Mole - Lovestruck Paint	$16
Ghoulish Green 4 Paint Pack	$32
Mule - Ghoulish Green Paint	$6
Herald - Ghoulish Green Paint	$8
Vulture - Ghoulish Green Paint	$12
Caterpillar - Ghoulish Green Paint	$12
Buccaneer - Ghoulish Green Paint	$9
Cutlass - Ghoulish Green Paint	$8
Dragonfly - Ghoulish Green Paint	$8
Avenger - Invictus 2950 Blue and Gold Paint	$10
Aurora - Invictus 2950 Blue and Gold Paint	$10
Constellation - 2950 Invictus Blue and Gold Paint	$18
Cyclone - Invictus Blue and Gold Paint	$8
Galaxy - Protector Paint	$15
Gladius - Invictus Blue and Gold Paint	$12
Gladius - Solar Winds Paint	$11
Hawk - Invictus Blue and Gold Paint	$10
Hercules Starlifter - Invictus Blue and Gold Paint	$20
Hornet - Invictus Blue and Gold Paint	$10
Reliant - Invictus Blue and Gold Paint	$8
Retaliator - Invictus Blue and Gold Paint	$28
Vanguard - Invictus Blue and Gold Paint	$18
Aphorite Mining Paint Pack	$35
Dolivine Mining Paint Pack	$35
Hadanite Mining Paint Pack	$35
Overdrive Racing Paint Pack	$11
Slipstream Racing Paint Pack	$11
Turbocharged Racing Paint Pack	$11
Aspire Paint Pack	$18
Central Tower Paint Pack	$18
Hosanna Paint Pack	$18
100 Series - Sand Wave Paint	$8
100 Series - Melrose Paint	$8
400i - Meridian Paint	$20
400i - Penumbra Paint	$20
600i - Cold Forge Paint	$14
600i - Sterling Paint	$19
Arrastra - Nocturne Paint	$17🔥
Aurora ILW 2950 Paint Pack	$18
Aurora - Light and Dark Grey Paint	$8
Aurora - Green and Gold Paint	$8
Avenger ILW 2950 Paint Pack	$20
Avenger - Solar Winds Paint	$10
Avenger - Copernicus Paint	$8
Avenger - Kepler Paint	$8
Avenger - De Biasio Paint	$8
Centurion - Beachhead Paint	$8
Constellation ILW 2950 Paint Pack	$27
Constellation - Dark Green Paint	$13
Cutlass Black - Skull & Crossbones Paint	$12
Defender - Platinum Paint	$15
Defender - Harmony Paint	$15
LIBERATOR - VIP exclusive Condor Paint	$33🔥
Mercury Star Runner - 2951 Fortuna Paint	$14
MOLE Aphorite Paint	$12
MOLE Dolivine Paint	$12
MOLE Hadanite Paint	$12
Nox - Harmony Paint	$8
Odyssey - Windrider Paint	$28
PERSEUS - A VIP exclusive, the Thundercloud Paint	$33🔥
Prospector Aphorite Paint	$11
Prospector Dolivine Paint	$11
Prospector Hadanite Paint	$11
Prowler - Ocellus Paint	$20
Prowler - Harmony Paint	$20
Railen - Hyaotan Paint	$20
Retaliator ILW 2950 Paint Pack	$38
Reclaimer Aphorite Paint	$15
Reclaimer Dolivine Paint	$15
Reclaimer Hadanite Paint	$15
ROC Aphorite Paint	$7
ROC Dolivine Paint	$7
ROC Hadanite Paint	$7
Scorpius - Stinger Paint	$30
Scorpius - Tiburon Paint	$12
STV - Blue Steel Paint	$5
Talon - Cobalt Paint	$10
Talon - Crimson Paint	$10
Talon - Ocellus Paint	$10
Talon - Harmony Paint	$10
Talon - Paint Pack	$30
Valkyrie ILW 2950 Paint Pack	$40
Vanguard - Solar Winds Paint	$15
Zeus Mk II - Solstice Paint	$12

 

⚜️ ➤ SUBSCRIBERS EXCLUSIVE SETS:

Set	Includes	Price
Takuetsu Replica Figurines	6 exhibits	$35
Kastak Arms Custodian SMG CitizenCon 2947 Edition	1 item	$30
Atzkav "DEADEYE" Sniper rifle	1 item	$10
Yubarev "DEADEYE" Pistol	1 item	$10
WowBlast "Blue" Desperado Toy Pistol	1 item	$8
WowBlast "Orange" Desperado Toy Pistol	1 item	$8
WowBlast "Red" Desperado Toy Pistol	1 item	$8
WowBlast "Teal" Desperado Toy Pistol	1 item	$8
Overlord Helmets DOUBLE TROUBLE	2 items	$7
Overlord Helmets FORCES OF NATURE	2 items	$7
Overlord Helmets SILENT STRIKE	2 items	$7
Overlord "Dust Storm" Armor Set	3 items	$9
Overlord "Predator" Armor Set	3 items	$9
Overlord "Riptide" Armor Set	3 items	$9
Overlord "Stinger" Armor Set	3 items	$9
Overlord "Supernova" Armor Set	3 items	$9
Overlord "Switchback" Armor Set	3 items	$9
Caudillo Helmets Pack 1	2 items	$8
Caudillo Helmets Pack 2	2 items	$8
Caudillo Helmets Pack 3	2 items	$8
NIGHTFIRE - Paladin Helmet	1 item	$6
SINGULARITY - Paladin Helmet	1 item	$6
ICEBORN - Paladin Helmet	1 item	$6
Fieldsbury Dark Bear Helmet	1 item	$8
Fieldsbury Dark Bear Helmet – ORANGE	1 item	$8
Fieldsbury Dark Bear Helmet – LIME	1 item	$8
Fieldsbury Dark Bear Helmet – BLUEBERRY	1 item	$8
Fieldsbury Dark Bear Helmet – GRAPE	1 item	$8
Fieldsbury Dark Bear Helmet – GUAVA	1 item	$8
Fieldsbury Dark Bear Sinister SIX-PACK	6 items	$26
Giocoso Helmet - Azure	1 item	$7
Giocoso Helmet - Ivory	1 item	$7
Giocoso Helmet - Obsidian	1 item	$7
Giocoso Helmet - Triple Pack	1 item	$15
Sawtooth "Sirocco" Combat Knife	1 item	$5
Sawtooth "Squall" Combat Knife	1 item	$5
Sawtooth "Bloodstone" Combat Knife	1 item	$5
Pyro RYT "Ghost" Multi-Tool	1 item	$6
Pyro RYT "Mirage" Multi-Tool	1 item	$6
Pyro RYT "Bloodline" Multi-Tool	1 item	$6
GP-33 Mod "ASHFALL" Grenade Launcher	1 item	$9
GP-33 Mod "COPPERHEAD" Grenade Launcher	1 item	$9
GP-33 Mod "THUNDERCLAP" Grenade Launcher	1 item	$9
Aves Armor & Helmet Set	4 items	$16
Aves Talon Shrike Armor and Helmet Set	4 items	$16
Aves Talon Armor and Helmet Set	4 items	$16
Neoni "Jami" Helmet	1 item	$7
Neoni "Onna" Helmet	1 item	$7
Neoni "Tengubi" Helmet	1 item	$7
Star Kitten Set	4 items	$14
Star Kittyen "SALLY" Set	4 items	$14
Star Kittyen "DAMON" Set	4 items	$14
Pembroke RSI Sunburst Exploration Armor	3 items	$15
Pembroke RSI Ivory Exploration Armor	3 items	$15
Pembroke RSI Graphite Exploration Armor	3 items	$15
Morozov Aftershock Armor	5 items	$15
Morozov Terracotta Armor	5 items	$15
Morozov Thule Armor	5 items	$15
Sakura Fun Green ORC-mkX Armor Bobblehead	1 item	$7
Sakura Fun Blue ORC-mkX Armor Bobblehead	1 item	$7
Sakura Fun White ORC-mkX Armor Bobblehead	1 item	$7
Zeus Exploration Suit	3 items	$15
Zeus Exploration Suit Solar	3 items	$15
Zeus Exploration Suit Starscape	3 items	$15
Xanthule Flight Suit	2 items	$13
Xanthule Sehya Flight Suit	2 items	$13
Xanthule Tahn Flight Suit	2 items	$13
CSP-68L Backpack Night Camo	1 item	$6
CSP-68L Backpack Cayman	1 item	$6
CSP-68L Backpack Forest Camo	1 item	$6
CitizenCon 2951 Digital Goodies	7 items	$10
CitizenCon 2951 Trophy	7 items	$10

 

⚜️➤ SHIP UPGRADES - CROSS-CHASSIS UPGRADES (CCUs, upgrades), some upgrades can be chain in few steps CCU's:

SHIP	TARGET SHIP	<	Upgrade from	Price
400I
	400I	<	CONSTELLATION ANDROMEDA	$15
600I EXPLORER
	600I EXPLORER	<	PROWLER	$70
ARGO MOLE
	ARGO MOLE	<	CONSTELLATION AQUILA	$7
	ARGO MOLE	<	MERCURY STAR RUNNER	$59
	ARGO MOLE	<	VANGUARD WARDEN	$59
	ARGO MOLE	<	RETALIATOR BOMBER	$43
	ARGO MOLE	<	VANGUARD SENTINEL	$43
	ARGO MOLE	<	APOLLO MEDIVAC	$43
	ARGO MOLE	<	ESPERIA VANDUUL BLADE	$43
	ARGO MOLE	<	VANGUARD HARBINGER	$27
	ARGO MOLE	<	REDEEMER	$70
	ARGO MOLE	<	HULL C	$70
	ARGO MOLE	<	APOLLO TRIAGE	$70
ARROW
	ARROW	<	AURORA MR	$50
	ARROW	<	MUSTANG ALPHA	$50
	ARROW	<	C8X PISCES EXPEDITION	$35
	ARROW	<	100i	$30
	ARROW	<	AVENGER TITAN	$25
	ARROW	<	RELIANT KORE	$15
CATERPILLAR BEST IN SHOW EDITION
	CATERPILLAR BISE	<	VANGUARD HARBINGER	$100
CORSAIR
	CORSAIR	<	TAURUS	$60
CRUCIBLE
	CRUCIBLE	<	STARFARER GEMINI	$21
CUTLASS BLACK BEST IN SHOW EDITION
	CUTLASS BLACK BISE	<	GLADIUS	$70
CUTLASS RED Subscriber
	CUTLASS RED Subscriber	<	F7C-S HORNET GHOST	$25
CUTLASS BLUE
	CUTLASS BLUE	<	PROSPECTOR	$30
DEFENDER
	DEFENDER	<	CORSAIR	$15
	DEFENDER	<	HORNET F7C-M HEARTSEEKER	$37
GLADIUS
	GLADIUS	<	AURORA MR	$65
	GLADIUS	<	MUSTANG ALPHA	$65
	GLADIUS	<	C8X PISCES EXPEDITION	$50
	GLADIUS	<	100i	$45
	GLADIUS	<	AVENGER TITAN	$40
	GLADIUS	<	RELIANT KORE	$30
	GLADIUS	<	ARROW	$20
HAMMERHEAD
	HAMMERHEAD	<	CARRACK	$150
	HAMMERHEAD	<	CARRACK EXPEDITION W/C8X	$100
HULL C
	HULL C	<	CATERPILLAR	$175
MERCHANTMAN
	MERCHANTMAN	<	STARFARER GEMINI	$300
	MERCHANTMAN	<	ARGO MOLE	$345
NAUTILUS
	NAUTILUS	<	CARRACK	$175
PERSEUS
	PERSEUS	<	CARRACK Expedition W/C8X	$40
	PERSEUS	<	CARRACK	$90
	PERSEUS	<	ORION	$115
	PERSEUS	<	600I EXPLORER	$220
	PERSEUS	<	MERCHANTMAN	$248
	PERSEUS	<	ARGO MOLE	$380
	PERSEUS	<	ANDROMEDA	$485
POLARIS
	POLARIS	<	PERSEUS	$70
	POLARIS	<	HAMMERHEAD	$70
	POLARIS	<	NAUTILUS	$60
	POLARIS	<	CARRACK	$250
RECLAIMER BIS 2949
	RECLAIMER BIS 2949	<	VALKYRIE	$300
SAN'TOK.YĀI
	SAN'TOK.YĀI	<	HORNET F7C-M HEARTSEEKER	$37

⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️⚜️

⛵CLICK HERE TO PLACE AN ORDER ⛵

PLEASE READ THE WHOLE POST.

This took weeks of picking and testing mods
Played on PS5, should work on PS4
Order is stable, no crashes
New game on survival difficulty required
All 6 DLCs needed
No unbalanced cheat mods added
Very difficult but satisfying and immersive
Adding other mods will break stuff, ask in comments
Not tested on PS4 or PS4 Pro performance-wise

OVERVIEW

This modlist is for people enjoying difficult challenge, exploration, combat, managing settlements and a bit of building. No more bullet sponges, loot/enemy respawns and rambo playstyle!
In the beginning you are no one. You leave the vault weak, tired, with barely any gear. Avoid most encounters and quests at the start. Try to survive, build a safe spot and carefully explore. Be aware of your surroundings, use what you find.
Saving often in beds and making 'autosave drug' at the earliest possibility is a good idea (nearest chemistry workbench is at Abernathy Farm). Save menu is always on top of MISC category in Pip-Boy.
Discovering new places gives plenty of exp in the beginning, but quests are your main exp income.
Exploring safer areas like Sanctuary, Concord and smaller settlements first (avoiding powerful enemies) recommended. There might be a lot of combat in the background. Don't engage much, especially avoid supermutants, robots, turrets, bears - they are deadly even for high level, well developed characters. Raiders also hit hard, depending on their weapon and rank.
Weapon caliber makes huge damage difference. 10mm is pretty weak, but if you find rare .50cal rounds or some good explosives, you should eliminate tougher targets much more easily.
Investing in stats right after level 15 is a good idea. STR for carry weight, PER for accuracy, END for health, CHA for better prices, INT for more exp, AGI for sneak and speed, LCK for dmg and loot. Be sure of your choices. Watch out for 'revealing all map markers' and 'slow time when aiming' perks. Be sure you want and like them, there is no going back.
Deathclaw in the early minuteman quest is tough - try to use explosives to break his legs and some high caliber weapons to finish him off by shooting his face. Or maybe you'll get lucky and raiders will kill him. Or just simply avoid him until you get proper gear.
Don't waste ammo on zombies, use melee. Bullets are valuable. However zombies can grab and instantly kill you if your HP is very low, so watch out on low, early levels!
Aim for the head for much higher damage. Concentrating damage on arms or legs to rip them off is a good strategy too. Raider without arms wont do much to you except running around and alerting nearby enemies, that is.
Damage types are important. Ballistic damage is not efficient against turrets, melee against radroaches and so on. You need to figure out yourself whats best strategy.
Develop and protect your settlements, put walls to protect generators and other important structures. Repairing is costly. Gear up settlers. Scraping and cleaning settlements is a good early source of components.
Try to fully explore the map, kill enemies and do all quests. Most loot and enemies wont ever respawn so this is your chance to find new secrets in Commonwealth and clear the place.

========== CHANGES ==========

Combat, Enemies

• Enemies will flank, charge, take cover, run in fear, use and pick up ammo & weapons, swap to backup gun and so on.
• Headshots or weakspot hits do much higher damage than torso shots.
• Gun caliber greatly affects damage, explosives are powerful and damage type matters.
• Foes have special moves like biting and holding leg, wrestling moves, kicks. Dependent on enemy type and briefly stuns you.

Sound, Graphic

• Sounds are less flat because of added reverb and other tweaks.
• Very dark nights with wide, helpful flashlight.
• Atmospheric lightning: beautiful light from lantern and fire sources, dusk, dawn, moon, plus bullets illuminate environment when flying around.
• No dreadful, annoying, unimmersive: combat music, hearthbeat, sounds of generators, turrets, exp gain sound, most perk triggers and perk chart.

Crafting, Modifying

• Making/disasembling ammo and also creating various shipments. Upgrading clothes, rings, glasses in different ways.
• Legendary swapping, crafting legendary effects using technical documents. Some effects have been adjusted.
• Added crafting of new, lower damage explosives, but they have unique effects for ease of use.

Perks, SPECIAL

• STR affects carry weight, PER accuracy, END is health, max AP, CHA for better prices, INT for more exp, AGI for sneak, walk and reload speed, LCK for small dmg boost, loot, critical hits outside VATS and while using it.
• Leveling up does not give you health. You rely on stats, bonuses, gear.
• Perks tree mostly changed, level 15 needed to start increasing Special base stats, level of around 100 to increase stat to 10. To get all perks you would need 300 levels, so new modified 'idiot savant' will help a lot.
• Collecting magazines, bobbleheads, companion perks is now more helpful and recommended.
• Some skills are changed, reordered, much more interesting and useful.
• More perks are needed for crafting, especially science perk is required for most technology related stuff.
• Lockpicking everything is available instantly from level one, but perks and AGI make it reasonably easier. Bobby pins are more rare.
• Hacking is simplified to not do the repeating minigame. Now holotapes to reprogram and override terminals might be of use.

Settlements, Building

• Expensive build costs of robot workbenches, turrets, big generators, so buying component shipments is justified.
• You can hire guards for caps or risk settlers lives on the usual guard posts.
• Can't harvest planted fruit and veg, you get your fair share in workbench instead.
• Collecting resources by settlers changed. Bigger variety of settlers and they are now mortal.
• More objects to build and decorate your bases.

Locations, Loot

• Items like meds and ammo are harder to find and exist in appropriate containers.
• New map markers and few minuteman towers as a small addition to explore.
• Quick travel available, but only to settlements.
• Only rare enemies like bosses drop legendaries. And many more...

Before you download:

• Safe to remove/swap mods are listed below the modlist, just in case you don't like or want some of them. Rest needs to be kept for balance or glitch removal, but only in the CORRECT ORDER!
• Remove all mods you currently have before downloading this mod list.
• Read what to do after downloading mods.

MOD LIST WITH CORECT ORDER:

1. Unofficial Fallout 4 Patch [UFO4P] [PS4] - Thousands of small bug fixes for FO4.
2. Radium Rifle Suppressed Sound Fix - As the mod name suggests. Must be on top of mod list, its a master file.
3. [PS4] Pip-Boy Paint Jobs - Colors Of The Wasteland Pack (Club Freedom) - Adds simple Pip-Boy skins. Remember you can click touchpad while using pip-boy to zoom. Again a master file.
4. Kane's Items Sorting (PS4) - Junk is sorted and some other things too.
5. [PS] Useful Technical Documents - Legendaries - You can swap legendaries for free, create new ones using technical documents.
6. Named NPC Protection [PS4] - Protects named quest npc's, merchants, important characters from random encounters with enemies.
7. Tribals of Commonwealth - Adds tribal groups, often found in wilderness.
8. Ghouls Of Commonwealth - Adds over 1100 feral ghouls for zombie apocalypse and chaos.
9. DLC Creatures In The Commonwealth [PS4] - Adds 200 creature spawns to the commonwealth for constant war, danger and chaos.
10. Longhorns Of The Commonwealth - Adds longhorns to more empty areas on the map.
11. Gulpers Of The Commonwealth - Adds gulpers to more empty areas on the map.
12. Wolves Of The Commonwealth - Adds wolf spawn points to the map.
13. More Behemoths In Commonwealth - Adds 5 more behemots to the Commonwealth.
14. Behind Enemy Lines - Adds plenty of enemies to the glowing sea region.
15. Roving War Parties, Raiding Packs And Hordes Of MY - Adds wandering groups that attack some key locations.
16. More Radstags - Adds plenty of radstags, especially north and into forests.
17. Better Radstags - More agressive radstags.
18. Not a Princess - Humans can grab you/others and slam on the ground, make karate moves, dogs can hold your legs/arms, bloodbugs suck your blood.
19. Disable Minutemen's Annoying Quests [PS4] - Disables 7 types of repetitive and not important radiant quests.
20. [PS4] Grounded Updated By Sarinia - Adds tons of ground foundations, floors, walls, mounds of dirt to Structures-Concrete menu.
21. Miscellaneous Settlement Items Unlocked [PS4] By Callias - Adds 49 objects for building in settlements.
22. Cinder Block Walls And Sandbags Unlocked [PS4] By Callias - Adds 16 objects like cinder blocks and sandbags.
23. Constructible Faction Guards - Adds ability to hire guards for caps in build menu, but only after allying with a faction.
24. [PS4] OCDecorator - Adds inventory items as a decorational building objects.
25. [PS4] OCDecorator DLC - Support for addons for the above mod.
26. Tweaks - Survival Fast Travel Settlements All DLC - You can fast travel to settlements on survival difficulty.
27. 1st Person Animation Tweaks [PS4] - In first person mode you lower your gun automatically.
28. [PS4] Swinging Animated Meat Bags - Adds animations to supermutant meat bags.
29. Power Line Physics [PS4] - Swinging power lines in settlements.
30. No Sneak Indicators - Completely removes all sneak indicators.
31. [PS4] Dogs Not Brahmin - Provisioners and traders use dogs instead of brahmin.
32. Vertibirds Unghosted - Tweaks invincible vertibirds for danger and realism.
33. [PS4] Simple Settlers (Mortal Edition) - Provides bigger settlers pool (five times more) and names them.
34. Quieter Settlements PS4 - Vanilla - Generators, turrets and hammering are much quieter.
35. Fallout 76-Style Region Music - Changes music in regions for less boring/repetitive background tracks.
36. Reverb And Ambiance Overhaul - ALL DLC [PS4] - Tweaks sounds for better ambient and reverb and adds sliders to options.
37. Better Dialogue - Camera focuses on NPC, changes made to some irritating generic dialogues and tweaked dialogue interuption.
38. Esk QuietPerks [PS4] - Muted five annoying perks like idiot savant.
39. No Experience SFX - Silences sounds when gaining experience from various sources.
40. [PS4] Dead Beat - Removes heart beat sound at low HP.
41. Combat Music Remover - Mutes combat music, so there is silence and suspension when enemy detects you.
42. Commonwealth Visual Overhaul & DLC [PS4] - Changes colours, atmosphere and makes nights darker.
43. UCW - Unified Commonwealth Weather - Adjusted weather for regions and integrated DLC weather for Commonwealth.
44. [PS4] No More Fake Puddles - Removes ugly puddles that stay 24/7.
45. No More Twigs - Removes stupid twigs sticking out of the ground.
46. [PS4] Enhanced Flickering Firelight - Better light effects for fire sources including oil lamps.
47. [PS4] Dark Mode - Abandoned Settlements - Empty settlements don't have light sources.
48. Vanilla Moon (4x) - Much bigger moon. Anything bigger looks low quality.
49. Sunlight Alignment Tweak - Better Dawn And Dusk [PS4] - Changes sun and moon movement for better lighting and atmosphere during dusk, dawn and night.
50. Crafting Blur Removal (PS4) - Removes blur while looting containers, from crafting screen, power armor.
51. Ironsight Blur Removal (PS4) - Removes blur while aiming.
52. More Map Markers (PS4) - Adds some new markers on map.
53. CleanVATS - Green Tint Remover PS4 - Removes fullscreen green tint effect while aiming in VATS mode.
54. VATS Third Person Only - As the name says, just changes in cameras used in VATS.
55. [PS4] Payneful VATS - Better VATS cinematics, shows important hits and finishers a bit slower.
56. Component Tagging Helper - Allows to easily tag basic components on cooking bench and you can quickly view how many you have in total.
57. Grenade and Mine Pack - Adds some new weaker, but modified explosives.
58. Saving Survival Mode - Allows crafting misc items on chemistry workbench for anytime saving (3 standard autosave slots and 1 save shared/overwritten on all survival characters).
59. Animations Be Gone - Removes plenty annoying hammering spots in sanctuary.
60. Minuteman Watchtowers - Adds 8 minuteman watchtowers containing loot and/or guards.
61. Power Goggles (All DLC) - Power Armor Mods For Goggles, Visors, And Glasses - As the name says. Two mods for glasses for high level characters.
62. Clothes For Every Stats Wz - Most clothes can be worn under armor and you can upgrade them after unlocking ballistic weave.
63. Bear Trap and Caltrops Fix [PS4] - Small changes in how traps work and balance them.
64. See-Through-Scopes [PS4] - Adds new combat scopes in place of 2.5x and 4x magnification.
65. See-Through-Scopes - Nuka World [PS4] - As above but for 2 Nuka World guns.
66. See-Through-Scopes - Far Harbor [PS4] - As above but for 2 Far Harbor weapons.
67. Targeting Sensors On Recon Scopes(Colour Coded NPCs Version)[PS4] - Modified recon scopes that highlight enemies, friends and dead bodies in specific colours.
68. Immersive Gameplay Combat Mostly PS4 - Core of this modlist. Hundreds of changes.
69. Immersive-Gameplay. Low Tech, No Powerarmor Justification Patch. (PS4) - Makes fusion cores worn. Balances the game around power armor.
70. Immersive Gameplay Seasonpass Patch (Playstation) - DLC compatibility for IG.
71. Immersive Gameplay Rough Start (PS4) - Overwrites starting level to 1.
72. Medium Settlement Raids PS4 - Makes enemy raids less ridicolous and balanced.
73. Zombie Walkers (PS4) - Most feral ghouls act like slow rotten zombies.
74. Curse Of Darkness - Normal Edition - - Zombies are faster and more dangerous after midnight.
75. Esk No More Teleporting Creatures [PS4] - Molerats and radscorpions don't teleport.
76. Realistic Insects Health [PS4] - Makes insects easier to kill and balanced.
77. Full Load - Loot Logic And Reduction Complete - Restricted harvest, lower and/or different production output for settlements, empty bottles renamed, Scrounger perk less ammo, less meat, less loot.
78. Full Load - Rough Start Less Handouts - Removed some workbenches in starting locations. Different loot in Vault111.
79. Immersive Gameplay Dismemberment - A Patch Or Standalone Feature. - Higher damage to headshots, easier to dismember limbs.
80. Tackle! Immersive Gameplay Knockdown Version - Lets you stagger enemies by sprinting into them after aquiring a perk.
81. Wasteland Baubles Ring Overhaul! PS4 - You can find unique rings at traders, in suitcases, cabinets. Allows scraping and modifying rings for special legendary effects.
82. [PS4] STS - All-In-One - Allows scraping almost all settlement objects.
83. (PS4) Improved Lighting Ballistics - Improves lighting for projectiles such as bullets, lasers, gauss, plasma, missiles, flares and explosions.
84. Explorer Restored - Cut Perk Mod PS4 - Adds rank two of VANS perk - explorer. Uncovers map.
85. Idiot Savant & Better Criticals Redone (PS4) - Idiot savant is better the more INT you have, muted perk chart, better criticals perk for crits outside VATS.
86. Realistic Death Physics - No Animation - ALL DLC [PS4] - Decreases the amount of force of both melee and ranged attacks, so bodies wont fly away.
87. Increased Settler Limit - Awareness - Wire Length - Corpse Collisions [PS4] - More aware settlers with limit of 50 per settlement and longer wires. Mind the limit.
88. Settlement Attack Spawns Outside The Settlement PS4 - Moves attack spawns outside the settlements.
89. Power Conduits Radius Increase And No Build Limit - All DLC [PS4] - Infinite build limit and two times longer range electricity conduits.
90. [PS4] Creation Club Skins (Weapon & PipBoy) Generic Compatibility Patch - Makes weapon paints from Creation Club show up in crafting menu if you have any.
91. No Affinity Cooldown - Removes cooldown between companions liking/hating your actions.
92. [PS4]More XP Per Level (Base:600, Bump 120) - Increased experience required to level up.
93. Increased EXP - Increases the amount of EXP gained to make Immersive Gameplay and mod list balanced.
94. No Building Houses XP Gains PS4 - Building settlements don't provide experience.
95. Pip-Boy Flashlight - Pipboy light is now a flashlight.
96. PS4 - Longer Headlamp Light - Makes flashlight much bigger and changes headlamp and power armor light.
97. [PS4] Starting SPECIAL = 7 - Changes starting SPECIAL stats to 1 in each category so you start weak.
98. No Enemy Respawns - Game areas don't respawn loot and enemies, after time have passed.
99. Accelerated Fast Travel - Fast travel takes less in-game time, should be also relevant to survival needs.
100. Time Scale Changed From 20 To 10 [PS4] - Day and night lasts twice as long.

Additionally after downloading:

• After installing the mod list, restart your PS4/PS5.
• Dont add or remove mods mid playthrough.
• Change game difficulty to survival in options.
• Play on performance 60fps. Newly added mode visual 60fps is more laggy and has awfull VATS framerate.
• If you want even more immersive settings, go to Settings, Gameplay and turn off quest markers or crosshair.
• Go to Options, Sound and reduce ambience level by 5-8 clicks and reverb by 2-3.
• Dont forget to change camera sensitivity (I play on max), next go to Options, Display and change hud color to blue or any other that makes sense (not red), lower transparency by 30% or more, set pip-boy colour to your preference (I use red pip-boy and minty hud to have the best compatibility with highlighting perks and scopes).

You can add/swap some mods if you want:

101... Immortal Cats - PS4 - Invincible cats, so you don't lose happiness increase when they die. Add after mod #83 \ 102... [PS4] STS - Extras - Living & Dead - Season Pass Version - You can get extra resources from scraping dead bodies in settlements. Watch out not to scrap someone alive. Place after mod #82. \ 103... Josephine Preset - Nice looking preset number 13 for female character creation. Change hair and other details if you want. Delete after leaving vault111 and saving (if you need mod list space that is). Add after mod #55. \ 104... Faster Positive Affinity For Companions - Removes cooldown between companions liking/hating your actions and gain five times more positive affinity. Swap with mod #91 if you want more cheaty version. \ 105... Silent Main Menu - To mute main menu sound, find duplicate sound slider named 'Master sound' and move it all the way to the left. Add after mod #41. \ 106... Quieter Settlements PS4 - Contraptions DLC - Quieter production lines. I ran out of space on mod list so this and next one are optional. Add after mod #34. \ 107... Quieter Settlements PS4 - Wasteland Workshop - Quieter fusion generators. Add after mod #34. \ 108... [PS4] Simple Settlers (Immortal Edition) - Instead of #33, so generic settlers don't die during settlement attacks. \ 109... Reduced Rubble Etc. - Safely reduces density of unimportant objects by 50-75%. Add after #44 or swap with #45. \ 110... Vrexia's Magical Rings - Add after #57 only if you get poison/perception bug where your PER is shown as (-1). You can offset it by equiping multiple rings from this mod (created at chem bench). Didnt found a better way yet. \ 111... Pip-Boy Flashlight (Brighter) - For a smaller, brighter flashlight swap #96 with #95 and replace #95 with this.

Remove, if you want:

Stock, ugly Pip-Boy color - #3 \ No tinkering with legendary effects - #5 \ No powerful groups wandering and attacking places - #15 \ Radstags to be less agressive - #17 \ Dont care about building - #20 #21 #22 \ Dont care about decorating settlements - #24 #25 \ Annoying wandering brahmins instead of dogs - #31 \ Cash register sounds when gaining exp - #39 \ Old vanilla dusk and dawn lighting - #49 \ Don't use VATS much - #53 #54 #55 \ Prefer old combat scopes - #64 #65 #66 \ Don't want uncover map perk and will never unlock it - #84 \ Don't have any weapon skins from Creation Club - #90 \ Faster leveling - #92 \ To gain building EXP - #94 \ Start with 7 extra SPECIAL points to distribute - #97 \ Loot and enemies respawn after time - #98 \ Fast travel to take time - #99 \ Days be vanilla length - #100

Known issues, bugs, glitches, exploits:

Some of those are present in vanilla game. I just mention every problem encountered during testing and not fully fixed. - Ground textures in and around sanctuary flicker black. FIX: Fixes itself. Possibly after short time or reload. - Creature cages cost too much in building menu. NO FIX: Did not found a safe and balanced fix yet, so cages are most likely out of reach, because cost is absurd. - Green chest containing flare gun and 10k flares after exiting vault 111. FIX: Mod dev forgot to delete it. Ignore it or if it bothers you much, remove mod #83, which I don't recommend doing. - Hubby secret basement in Sanctuary. NO FIX: Its up to you if you want to use its content. Just easier difficulty option, but not game breaking. - Hacking rank 4 seems useless or has wrong description. NO FIX: Needs proper check. - Wall turrets sometimes glitches and play sound on repeat. FIX: Re-enter the area or reload save. - Contact frag mines seems to have too low damage. FIX: Just dont craft them. Rest of new explosives should work fine even that it shows low damage values in description. - Perception low, constant (-1) PER in stats because of poison damage/resistance bug. FIX: Add mod #110 and equip perception rings. Dont delete the mod. Cant find safer solution for now. Rings dont take equipment slots. - Action girl perk have only one rank on female character and two on male. NO FIX: Just 25% AP regen loss at high level. Not a big deal. - Bubblegum seems to unintentionally quench thirst a bit and kind vendors give it for free. NO FIX: Free candies. Its better to use them to slow down time. - Incorrect cost to build concrete foundations. FIX: Use mod #20 to add tons of foundations in newly added category Structures-Concrete. - OCDecorator replaces creation club menu. FIX: Items from CC are still available in other building categories. Ignore or delete mod #24 + #25 if you dont care about its function. - Few perk descriptions might be slightly incorrect or missing. NO FIX: Nothing important to worry about. - Three street lights, powered water pump, industrial purifier and subway light have incorrect build costs. NO FIX: These have wrong values, but items like clean sofa or tv are more expensive to build on purpose though. - Pip-boy light wont transfer from first to third person camera view. FIX: Turn flashlight off and on. - Water surface sometimes flash black when moving underwater. NO FIX: Its not very noticable and you don't dive much in FO4 anyway. - Can't use Wattz Consumer Electronics terminal, animation stops. FIX: There is a radroach behind the wall. Kill it by swinging melee, explosives or reenter area. - Flashlight in Vault111 has incorrect beam look/color. FIX: It will fix itself after mods load right after you leave Vault111, dont worry.

v1.00 - Initial version.

Have fun!

I was so surprised by the chaos and drama of my current playthrough that I wanted to type it all out to share. Would love to hear your stories!
Background
Lunabelle Tweed is the youngest daughter of my original character and the young mayor Benjamin Whitfield. Her name is a portmanteau of Luna McBelle, the lighthouse worker who saved us, and Isabelle Whitfield, who tragically died in an early game spallpox epidemic. The name is very Renesmee coded, but I was running out of creativity and did not anticipate sharing this out.
Her parents, who were elderly by the time she was born, passed away soon after she reached adulthood and so Lunabelle lived alone with her older brother, Lucian. While Lucian succeeded his father as mayor, Lunabelle inherited the family farm. She grew up curious and shy, but with great love of the outdoors—a good little kid with every privilege at her fingertips, seemingly poised for a beautiful life.
Chapter 1: The Beginning
As a young woman, Lunabelle frequents the Sleeping Siren Inn in search of good company and elusive gold star meals. As the island prospered, the inn grew in popularity, requiring two innkeepers and an apprentice to keep up with demand. Lunabelle becomes dear friends with all three: Penelope Hull, Hollie Cooper (the apprentice), and most important of all, Jolene Hutton.
It was also at the inn that Lunabelle first meets Ruben, the third generation child of the Bayley family and the local fisher. They are the person of Lunabelle’s dreams—romantic, stubborn, and quick. Lunabelle is immediately enamored. She gifts them roses and homemade candies, dreaming of a future together.
Just before Lunabelle can propose—a shocking betrayal! Jolene and Ruben announce an impromptu engagement. Lunabelle is devastated. While she resents Ruben, nothing can compare to her fury towards Jolene. For the first time, Lunabelle notices Jolene's cruel, selfish nature.
Lunabelle begins an on-again, off-again romance with Penelope Hull, who deserved far better than to be a rebound. Penelope is perfect—kind, genius, and unflirty (a healthy change)—but Lunabelle struggles to forget Ruben. The two go on dates, and despite the ring in her inventory, Lunabelle never proposes. Making matters worse, every time she speaks with Ruben (and now, their young daughter Imogene), they complain about how poorly Jolene treats them.
Lunabelle harbors dark thoughts, considering giving Jolene a death cake and marrying Ruben herself—but resists. She’s no murderer. Instead, Lunabelle resolves to treat Penelope right. She purchases a final bouquet from Lavender Boutique and the most expensive ring she can from the blacksmith, ready to move on to the next stage of her life.
Chapter 2: The Epidemic
The next morning, Penelope is nowhere to be found. The town is eerily quiet. Those walking about look strange—grey skin, heavy eyes. The visiting sailors spread consumption through town.
Penelope dies first. Ruben follows. By the next weekend, almost every adult in town has perished. By some miracle, Lunabelle’s older brother Lucian and his husband Tom Hull (Penelope’s brother) survive, but it’s small consolation. Lunabelle wonders why Penelope and Ruben had to die, but Jolene lives on. The entirety of winter is back-to-back funerals.
Lunabelle is distraught with grief, but grateful to have her brother and his family. In solidarity with the townsfolk, she adopts Erma O’Dell, an orphan who lost her entire family—all grandparents, both parents, and older brother—during the outbreak. This new family, however, proves more difficult than anticipated. Erma develops a lazy, selfish personality, and the two frequently bicker.
Despite the trauma of losing both Penelope and Ruben, Lunabelle still hopes to find love and build a legacy. She goes on a date with now-grown Hollie Cooper, who apprenticed at the inn with Penelope and Jolene, and the two reminisce over fond memories of days gone by. However, the shared grief proves too much—Hollie rejects Lunabelle’s proposal. It’s for the best: they should look to the future, not linger on the past. The two part amicably.
Chapter 3: Jolene Is Enemy
With few surviving eligible options, Lunabelle goes on a date with Anna Hutton… sister to the cruel Jolene, her enemy. Despite bad blood, so much time and grief has come between them, and Lunabelle cares about Ruben’s daughter Imogene like her own. They could all become one big, happy family. But Jolene had other plans.
The date is disastrous. While Anna is nice enough, Jolene ambushes their date at the waterfall, sitting behind them and scribbling notes. Lunabelle is livid and storms off before the hour is up.
In an effort to repopulate, newcomers begin to move to town, arriving on ships each weekend. Lunabelle tries her luck, to no avail. The new hunter quickly marries the blacksmith; the new innkeeper marries the new doctor. Unlucky in love, Lunabelle resolves to break from dating and focus on her family.
Every day, Lunabelle visits her brother and his two children, gifting them homemade candy and toys when she can. Her nephew Jamie has grown into a fine young man and the spitting image of his grandfather, Benjamin Whitfield. Her niece Francis is a diligent, kind child, and even Erma has grow up well, succeeding the O’Dell family legacy as milliner. Despite their rocky start, Erma and Lunabelle find common ground. Lunabelle is, at last, proud of her daughter. Her only worry is Imogene, Ruben’s daughter with Jolene, who has grown up as cruel as her mother.
Chapter 4: Jolene Strikes Again
All seems peaceful—too peaceful. The next morning, Lunabelle finds a wedding invitation in her mailbox. It’s none other than Jolene...and Jamie. The wedding is in five days. Lunabelle knows what must be done.
As if by fate itself, the witch Astra Vosen sends Lunabelle a surprise gift: a death cake by mail. The day before the wedding, Lunabelle waits for the inn to open. Behind the counter is Jolene, wearing her same cruel smirk. Jolene, her former friend. Jolene, who stole Lunabelle’s lover and bullied her own child. Jolene, who sabotaged Lunabelle’s relationship with Anna. Jolene, who now targets Jamie. Lunabelle offers the cake as an engagement gift. The deed is done.
At Jolene’s funeral, only Jamie cries. Little did anyone know, because of the back-to-back funerals from the consumption epidemic, Jamie and Jolene already married in secret, and somehow had time to both have a child and for Jamie to become pregnant with another. Lunabelle was too late. Her only regret is not killing Jolene sooner.
With Jolene gone, Lunabelle finally marries Anna Hutton, and this time nobody ambushes their romance. It isn’t love, per se, but at least they aren’t lonely. Together, they have two children: Fortuna and Prospero, named with the hope they will meet better fates.
The Finale
Jolene’s memory haunts her. Lunabelle dwells in regret that she could not save Jamie from Jolene’s grip—a mistake she vows never to repeat. She wonders what her fate might have been had she murdered Jolene all those years ago.
Another invitation, this time the wedding of Imogene and Francis, Lunabelle’s niece. Excitement gives way to dread. Lunabelle once loved Imogene as a daughter, but Jolene’s influence has taken its toll. Imogene might resemble Ruben, but she inherited her mother’s cruelty. Lunabelle will do whatever it takes to protect Francis, even at the cost of her soul. She purchases another death cake.
This time, Lunabelle grapples with guilt and indecision. She still sees the little girl she loved as her own. She keeps the cake in her inventory and runs her errands, hoping to clear her head.
Then, the unthinkable happens—or perhaps, it was destiny all along. As evening progresses, Lunabelle grows peckish. In a moment of carelessness, she eats the poisoned cake herself.
That was the end of Lunabelle Tweed.

Please note this is the original submission I sent Refinery29. In the current post,they have given me a second credit card with a 100$ balance, as well as generational trauma from World War II and cut context for other things. I am trying to get that fixed.
Per previous discussion in comments here: The espresso machine is a Bezzera, which ranges from 2-5K. We got ours on sale for 1.7K, it’s a work house and we use it everyday, still hurts that we spent that money on a coffee maker.
I do understand mortgage is debt but when you compare it to rent to a lesser value condo in Vancouver it feels like not debt at all, which is how I tend to think of it. Yes I owe my mortgage but also I get my house instead of renting-which may not have become clear.
Please see in full the diary, below (edit for formatting via mobile)
Occupation: Sr Business Analyst
Industry: Tech
Age: 30
Location: Vancouver Island, BC
Salary: 92,000$ (Spouse makes 60,000$ for a combined income of 152,000$ before tax)
Net Worth: ~ 1.2 Million ( house is valued at 989,000$ currently, we have a combined 150,000 in pension, and ~60,000 in various company stocks, and GICs)
Debt: 3,000$ in a zero interest credit card for a 10 month period. We balanced transferred and pay 400$/month. Debt was acquired in Q4 2023 when we had to buy Snow Tires, and do a full break replacement as well as Christmas. 480,000$ in a mortgage, we refinanced in September 2023 for five years fixed rate at accelerated biweekly, however I don’t consider our mortgage debt due to the equity we are gaining, and that our mortgage for a five bedroom, 3 bath single family home is less than rent for a two bedroom condo in Vancouver
Paycheck Amount (Every 2 Weeks): 2,555$ after taxes. (Just mine). Spouse makes 2,308$ after taxes. Our pay periods are alternating.
Pronouns: She/her
Monthly Expenses Mortgage: 1450$ biweekly (100$ extra to the principal).
Utilities: ~200$ (includes water [paid quarterly], hydro [paid bimonthly], gas, sewetrash [paid quarterly] phone [highly discounted due to work plans for spouse and myself] and car gas) Loan Payments: 400$/Credit Card
Car Insurance: 84$
Life Insurance: 167$ combined (67$ me, 100$ spouse)
Health & Dental Insurance: 60$ deducted from pay (coverage for myself and spouse from my employer. Spouse also has coverage for both of us deducted from pay)
Retirement Contribution: 400$ (Employee matches me), (Spouse has a defined pension through work and contributes ~200$ month)
Union fees: 70$ Spouse
Subscriptions: Crave 22$/month (Recent splurge for Binge watching the Rookie), Playstation Plus 100$ (annual bought on Black Friday Deal), Amazon Prime 80$ (Annual), BCAA 120$ (annual) Gym 30$/month (we both have one so 15$/pp)
Note: My spouse and I have completely commingled finances. I will be tracking both as it’s essentially I spent whatever they spent
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
There was always the expectation. My father was very clear, we were very smart. There was no way we’d be wasting our potential. He wanted me to be a lawyer, but unlike other immigrant parents, I got to choose my major and went into social sciences and got my masters in history. I deferred my PhD too much so I got dropped by the program.
I chose my university by where I got a full first year scholarship and then after that took about 15k in student loans for my undergraduate. My parents paid my rent and I got a part time job for food.
For my masters, I had a student line of credit and 5 k student loans otherwise it was all my savings and scholarships. With the line of credit, I had a total of 30K in student loans and paid it off in about four years.
Growing up, what kind of conversations did you have about money? Did your parent(s)/guardian(s) educate you about finances?
Save. We talked about how you get a dollar allowance and half of it goes into long term saving with 25% in short term and 25% in spend.
Investing came after I was eighteen. Family would like us to invest in property, however I don’t really want to be a landlord, but also we wouldn’t get to really enjoy profit of owning a rental property due to other family circumstances.
What was your first job and why did you get it?
Ice cream parlour I was twelve and my parents made me get it for responsibility. I lasted three weeks because I hated it.
Did you worry about money growing up?
I grew up thinking we were not rich, because we didn’t get big plane vacations (I didn’t count flying from Toronto to Vancouver every summer as a vacation since we were just seeing family but staying in a house my parents owned) and I had only been to Disney twice.
But we had a big new build house in the rich end of town, my mom stayed home to raise all of us. We had to work for things (like going to see a movie opening night or a new CD) but we always had money and got what we wanted. In retrospect, my family was/is fairly well off.
Both my parents grew up poor, with parents working multiple jobs and different shifts to make ends meet, the strive/drive to not have that childhood, and for my father to be able to retire his parents really impacted mine and my siblings and cousins lives. My father showed me the apartment he grew up in Chinatown a few years back. It’s light years away from the house my grandparents owned when I was a kid and how I grew up.
Do you worry about money now?
Of course. Inflation is real and we are actively planning a wedding for the next year, as well as a baby in the next few years. We also need to buy a second car, so we’re saving for that.
At what age did you become financially responsible for yourself and do you have a financial safety net?
Fully financially responsible? Twenty five. I lived in a family property where I didn’t pay rent in one of the most expensive cities in Canada, so even though I paid all my bills (food and phone), I didn’t have to pay rent. I in fact made money, as I rented rooms out and used the income for house utilities, and paying my student loans down faster. When I moved in with my spouse, I just paid condo fees until we bought our house two years ago which gave me plenty of time to save.
Our financial safety net is family, and our savings. I know my family would bail us out. My spouse’s father would as well. Conversely, we are my spouse’s mother's safety net and we have to keep all our plans in mind that we will be subsidising her.
Do you or have you ever received passive or inherited income? If yes, please explain. Yes, I received 50K from my parents once they sold my childhood home, as did both of my siblings. I have also received 10K from one set of grandparents which paid off my car and part of my student loans when I was 21. I will be receiving another inheritance when probate is done for around ~100K. My spouse also has received inheritance which allowed them to buy their first condo in their early twenties when the market was much better. That condo, 50k, and the subsequent upgrading helped us afford our house.
Day 1
10 AM: I drive to the pharmacy to pick up a prescription. Not how I want to start my Sunday morning but y’know. Normally I’d walk since it’s about 20 minutes but I have a UTI. I’m “lucky” that despite not having a dr because of the health care shortage, my work pays for the Maple app so I could get a dr to write the prescription and order the lab work at 1 am. I’ll do the lab work later this week when I can get an appointment but will take the relief now. Insurance makes the antibiotics free, but I also buy hydrogen peroxide because we’re out and we have a dog that thinks everything is meant to be in her mouth. We’ll buy a bigger one at Costco later. I also bought some oral wound mouthwash because we were out. I come home and my spouse made us breakfast.
Total: 15.90$ paid with debit.
1-2:30 PM: We do our taxes. I have a mini meltdown when I realize the part time bakery job I had for a few months didn’t take off income tax last year, so I owe 800$. Luckily, my partner is getting a refund so we net out positive 400$. The bakery took off income tax in 2022, so unsure why they didn’t in 2023. I made us lunch.
3-6:30 PM: We walk the dog, and watch the Rookie. Some time during that time period, a venue emails us back and is surprisingly affordable at 3k. I also get told that the tattoo artist I want to book with, has not chosen me.
6:30-7:30 PM: I explain what lazy girl dinner is to my spouse and make a lazy girl dinner. After not really grocery shopping since Feb for things besides fresh veg, we need to do a big pantry shop and neither of us want that. We debate about buying a food saver and if we should wait for a sale. My spouse is more frugal than me and has determined we should.
8-9:30 PM: We start season 3 of The Rookie, and then after two episodes we go to bed
Day One Total: 15.90$
Day Two
5:45-8 AM: Wake up and start work. I get up to date with what’s happened on the weekend and check that my automated reports. Sometime before 6:30, I get the kettle on for my spouse’s pour over before I go back to my meetings. There’s a twenty minute gap where I get changed and do my skin care and brush my teeth. I’d love to be a skin care person but honestly I’ve spent too much money on product that I don’t use and that just goes bad. Washing my face and using sun screen is a win.
I also make sure that Spouse’s lunch is in his bag and I get our travel mugs ready. Before, we used to go to Starbucks every day. Starbucks used to do free refills on coffee and tea if you were a rewards member if you bought a coffee or tea so it would cost us $5/day (2.5/pp), and we could get refills all day. While that’s 20$/week, 80$/a month and yes, we could have saved it but back then, that 80$ wasn’t turning the dial anywhere significantly for us—a privileged view.
But now, after COVID where I stopped drinking tea after one day working from home having like 10 cups and thinking I was dying, and Spouse has bought a good grinder and we recently splurged on a stupidly expensive espresso machine we call his Engagement Espresso since it costs the same price as my stupidly expensive ring, we bring our coffees.
8-8:30 AM: We drive to work. Prior to buying our house, we were both work from home and lived in a city with amazing transit. We only needed the one car. Since buying the house and moving to a city where public transit is a joke (the one bus goes past our house every 1.5h), Spouse changed jobs and is in office every day and I have to go in 3 days a week. We need a second car or the e-bike rebate to come through. We debate this in the car, since I’m done at 1 pm, and Spouse works normal hours, I either have to take the bus home, or go to the gym for three hours. Today though, I drop Spouse off. I will pick him up later as he has a half day because of the dentist
8:30-12:30 AM/PM: Work. I find a tech manager and ask them to get me more triple a batteries. Work won’t provide or let me expense batteries for my mouse, despite them replacing my usb mouse with a battery one. The poor admin had to tell me the decision is that we’ll all supply our own batteries. Luckily the tech managers have to have batteries on hand and give them out freely.
I ask my boss how the work from home tax forms work, and he is going to find out.
I run more meetings and work on a request for a dashboard and a business case for a new feature that I have to convince leadership to spend money on.
12:30-1 PM: I drive back to my Spouse because he has a dentist appointment.
While I wait for a spouse, I am incredibly hungry. I’m usually not hungry/don’t eat a proper meal until around 1 in the afternoon and my two granola bars I already ate at the office. I go to the bakery by Spouse’s work and buy a cheese bun for me (3.65$), and an apple pie scone (2.55$) for Spouse as a snack. Spouse points out he won’t be able to eat until after his appointment.
Total: 6.20$ debit
1-1:30 PM: I drop Spouse off, and the car stops working. The engine won’t catch. I try multiple times and then run into the dentist to dramatically announce to Spouse and the receptionists that the car won’t start. Spouse asks me what he wants me to do about this, since he’s about to go into an appointment. A very kind receptionist tells me it might be the alternator. I don’t know what that is.
I go back to the car to Facetime my father. He also asks what I think he can do to help since he lives 3000 km away. Weirdly, and sexistly, I thought a man who grew up at race tracks, in a racing family, or the man who has collected and worked on sports cars for forty years might be able to help.
Spouse texts me to remind me we have BCAA while my father also tells me that. I finally get the engine to catch and drive the very long way home, going the speed limit and getting stuck in traffic, construction and a bus. It takes me 20 minutes to get home instead of 10.
1:30-2:30 PM: I walk the dog, mail a (late) birthday card and then start researching what an alternator is. The car is over a decade old and until the house, the most expensive thing I ever bought at 12K back in 2015. We have the funds for the cost, but it’s my first car and the fact it might be the end of its life is scary.
Alternators can cost between 400-800$ repair with labour, so that’s fun.
My dad calls me back and apologises for asking me what he could do away. He advises me that there’s probably a bald spot on the alternator and advises me to go to the mechanic to check or replace it, if the car doesn’t start again.
I call the mechanic to book an appointment, and to also get the snow tires off and to buy new rims for the snow tires. The mechanic lets me know that the alternator part is 500$, and an hour of labour so with taxes we’re looking at around 700$
That future appointment next week (we’re going down a highway this weekend which requires snow tires) will cost ~1.5K, assuming we replace the alternator.
I make lunch and sigh.
2:30 PM: The car starts thankfully. I drive incredibly slow. I pick up Spouse by idling the car. We get an email back from a venue saying they cost 75,000$ minimum. The timing is hysterical.
Due to the nature of the dentist, Spouse owes 618$, as they haven’t flipped it under my insurance. They split it in half, as he has a follow up in two weeks. After the next appointment they will flip the whole amount under me and we’ll get reimbursed for the whole amount.
Total 309$/credit card.
3-10 PM: We walk the dog, make dinner (Spouse makes white sauce pasta, with chicken and peas) and watch The Rookie. There are thirteen episodes in season three, and we will be busy every night this week besides Friday and Sunday, and I would like to finish season three so we can start season 4 next Monday. I don’t want to pay for more than one month of Crave. We have five episodes left
Day Two Total: 315.2$
Day Three
1 AM: 100$ is automatically transferred from our account to the credit card debit. We have an auto transfer of 100$/every Tuesday to a Visa where we balance transferred both our cards. We have an offer for 0 interest for 10 months, so we did that for some of the bigger expenses (snow tires, break replacement and general Christmas) and are on track to pay it back within the next 6 months. That visa is our emergency card that we just have in the back end and utilise for promos like this. It allows us to keep our two cards balances manageable and lets us pay in an easier way than taking big chunks out of our various savings.
Total: 100$/direct deposit
5:45-9 AM: Work. Meetings, reports, trying to convince a colleague that the process does include them and refusal to follow it means that their requests won’t be done. Spouse has another half day so I can go into the office at my leisure—if the car starts
9-9:20 AM: The car starts, I get into the office and refresh a data flow before a meeting with a new stake holder. It takes longer to drive into work today because the tourists are starting to come and their van builds or campers are not exactly highway speed and with a two lane highway, if you don’t merge over fast enough you’re stuck.
10:05-10:20 AM: Meeting done, car starts again and I drive home for more meetings. The least amount of time in the office is preferable for me.
10:30-11AM : Meeting with my manager where we discuss future salary and promotion. I am due for a promotion in the start of Q2, which would push me to six figures. I’ll believe it when I see it but, I’m really excited at that possibility for my family.
11:15 AM: Spouse leaves for work, we discuss what groceries are needed, as well if he’ll go to Home Depot tonight to buy more clover seeds for the yard, as we need to reseed before it starts raining. I eat a muffin and my dog and cat decide to try and eat each other.
11:15-1:30 PM: Work runs late. There’s some issues with the data and we can’t figure it out. We call it a night, and I’ll record the video presentations tomorrow, once we fix the data.
1:30-4 PM: Nap time! It’s bad for me, but honestly I don’t sleep well during the night so naps are what keep me alive.
4-6 PM I prep dinner (smash burgers and fries), and get chores done and walk the dog.
6-7:30 PM: Spouse comes home, we eat dinner. Groceries come to 96.83 for two 7 pound pork loins, two packs of bacon, chicken nuggets, coffee, pop, 8 pack of peppers, milk, tomato, pickles, rice, avocado, mushrooms, sour cream and lettuce.
Not too bad, we average about 300$/month in groceries because we can buy bulk and have a second freezer.
For the month of March we are currently at 123.61$ for groceries and there is twelve days left. We went on a small weekend away, so we ate out a fair bit but even then our current food budget is 272.27$ today.
Total: 96.83/ debit
7:30-10 PM: Spouse makes a coffee and plays video games with his friends. They do it every week. I have a shower, fold and put away laundry and read in bed.
Day Three Total: 196.83
Day Four
1AM: Our biweekly accelerated mortgage payment comes out of 1450$. I’m tracking it here to be honest on our spending but I tend not to think of it as money spent because in my head it’s already money gone. To pay for a house equivalent in Vancouver, the mortgage would be over 6k. Renting a two bedroom condo would be 3K. It feels like the mortgage is just cheaper rent, even though each time I own more of my house.
5:45-9 AM: Work. I find out the limits of how many people I can invite to a Teams Meeting as well as that the Thursday before Good Friday is a catholic holiday when a few people ask me to reschedule a training forum for over a thousand people. Sometime in there I make us coffee, make sure Spouse has lunch packed (leftovers). Spouse has walked the dog and has the recycling and compost out for pick up. I drop Spouse off at work.
10-11:45 AM: I leave the office for home and more meetings. I walk the dog and go record training videos. I get an email that Amazon is doing their big spring sale. I send a link to a robot mop and vaccum that’s on a big discount to Spouse. We want one, but I’m not in charge of the research on it. I send links to play grounds to my friends with toddlers
11:45-12:30 PM : I shove lunch in my mouth, last night’s left overs. I’m running late, and decide to get myself later by collecting all the random dishes and mugs that just show up places and start the dishwasher. I get to the lab ten minutes early but need to buy gas on the way home.
I tell my team I’ll be MIA for a bit and leave the work phone in the car.
I buy 15.6L of gas for 30$ at 1.879/l it sucks. I don’t fill up because we’re going to my in laws this weekend and there’s a Costco Gas Bar there.
Total: 30$/credit card
12:30-1:30 PM: Work goes long again.
1:30-2:30 PM: Nap!
2:30-4:30 PM: Walk the dog and drive to the gym. I usually go three times a week but with last week’s weekend away and this week’s weird half days from Spouse, today’s the only day. I make it up by doing both upper and lower body and a 30 minute circuit.
4:30-7:30 PM: I pick up Spouse and we go to Costco. We pick up nachos, ham, cheese buns and some other items. We debate buying our friend’s kid a toddler set of clothes and decide no. We end up buying work pants for Spouse, and a garden hose. It comes out to 116.90
I order our Costco dinner of hot dogs and fries for a grand total date night of 6.41$
Total: 123.31/ credit card
8-9 PM: Dance class! We bought a series of six lessons of introduction to ballroom back in December for a new date night idea. We paid 60$/pp and this is the fifth lesson tonight.
9 pm: We’re home, we let the dog out. Spouse spends an undetermined amount of time watching ballroom videos while I sleep.
Day Four Total: 1603.31$ or 153.31 excluding the mortgage payment.
Day Five
5:45-9 AM: Work. All the meetings. Thursday is the meeting day. I debate with a friend what’s the earliest call we’ve had. 4:30 am still wins. I pack lunch for Spouse and his coffee and he leaves. I end up cleaning up cat puke as the cat decides to drink milk from Spouse’s cereal and vomit it up on camera in a meeting.
9-9:30 AM: I make myself a matcha and walk the dog.
9:30-1 PM: Work and I treat myself to a lunch of a cheese bun and ham sandwhich. We used to eat it every Sunday while growing up but the cost of ham has been outrageous. The deal at Costco yesterday was 1.5$/100 g which is really good.
1-1:30 PM: I seal the wooden deer Christmas decoration we bought last year. It sits outside our front door and needs to be weather proofed, and I’ve been putting it off for five months. But the weather is good and we have newspapers. We have left over wood sealer after the sign we bought a year ago so I use that. The dog and the cat both don’t like my wooden deer.
1:30-4 PM: Nap!
4-5 PM: I basically just watch youtube and drink a root beer. I have no energy.
5-6:30 PM: Spouse comes home, we walk the dog and I make dinner (Kraft Dinner and nuggets–I swear we eat veggies but today is not that day). We discuss the possibility of our dog at our wedding as a flower girl, and if she’ll be in a tutu or a cheongsam like me. I am now researching if they make dog cheongsams and if she can match us. The cat, despite all my heart wanting it, won’t physically be there because he will have an anxiety attack and probably die.
6:30-10:30 PM: Board game night! We go to a friend’s to repeat the same scenario we’ve lost two weeks in a row.
10:30-11 PM: I pack Spouse’s breakfast (oatmeal and frozen berries), lunch (spicy tuna and mayo) since he’s trying to go to the gym before work, and feed the animals before we go to bed.
Day Five Total: 0$
Day Six Friday
5:45-9 AM: Work. I have a deep focus block which means I can get the script for the training I have to run. Public speaking is not my strong suit and it’s a group of a thousand people so I’m not looking forward to it. Spouse almost makes it to the gym. I get an email that my new work phone has shipped. I’m surprised because they wouldn’t order us any for the past four years, but I guess my new iPhone will show up next week. I might give my old work phone to my mother in law, since she smashed the camera on the phone we bought her last year.
9-9:30 AM: I walk the dog, make a matcha and make a todo list for what we have to get done before we leave to my in laws tomorrow. I text my mother in law happy birthday, and hope that she got the card in time. She did.
9:30-11:30 AM: My last meeting for the week ends and I’m debating calling it a day so I can nap. Instead I make lunch (cheese bun and ham), text my other mother in law our plan for Saturday, and unload and reload the dishwasher and go back to work for at least another hour.
12:30-1 PM: I shower and do skin care
1-3 PM: Nap! Somewhere in this time FedEx comes and since I’m sleeping, we have to pick up on Monday. I’m not too sure what it is, I assume it’s our custom address stamp from Etsy because that’s the only thing I’ve bought recently but not too sure. I just realized in retrospect, this might be my new work phone.
3-5 PM: I prep dinner (nachos), unload the dishwasher, pack my overnight bag and confirm all our venue tours by email. I start a load of laundry and do a quick clean. I feel like this is not the best image of our diet. I swear we generally eat healthy but we both have been feeling really blah over the past two weeks so have been going for quick and easy over healthy and balanced. I do have three whole peppers and two whole avocados in the nachos though.
5-7 PM: Spouse comes home, we walk the dog, have dinner, and plan out next week. We have a big Wednesday next week (mechanic, I have a nails appointment, dance class), and we are having our friends over for Easter so we need to prep for that. We pack the car so tomorrow is a very easy start.
Spouse also gets paid today. We’re lucky that we’re on alternating pay periods, we used to be on the same and it always felt stressful. Spouse also lets me know his union has secured a 3% cost of living raise to start in Q3. I really like his union for negotiating a base 2% year of cost of living raise, with potential addition raises depending on inflation. It’s a bit away but that’s still good news.
7:30-10:30 PM: We finish The Rookie Season 3 and head to bed. Crave reminds me that I have 10 days until I’m charged again. Sadly, I think we’ll have to pay for 2 months.
Day Six Total: 0
Day Seven Saturday
8:30-9:30 AM: Wake up. No one (except the dog) slept well so we’re not in a morning mood. Spouse makes coffee and walks the dog, while I finish packing the car and give the cat a lot of attention. Our first venue tour is at 11 and the one that is the most expensive (8-10K), but also the one we probably want the most. We live about an hour away but the highway is two lanes and one accident can back everything up for hours.
10:40-1 PM: We visit our dream venue. We stay way longer than expected. Basically if the quote is under 10K, we’ll get it. Just waiting now.
1-2 PM: We get to our in-laws and have a lunch of egg salad sandwhichs. We need to buy gas. My in laws drive us to a pottery painting store.
2-4 PM: We paint pottery. My mother in law only wanted to do this for her birthday. They’ll pick it up in a week after it’s been thrown. I paint a vase (28$), Spouse paints an Easter egg (18$), father in law paints a mug (30$), and mother in law paints a plate (50$)
Total:143.36/credit card
4-5 Pm: We see another venue. It’s an instant no. My in laws decide they want to try Korean fried chicken. We call ahead for take out to get two fries and 16 pieces of half and half. It comes to 50.83$ that my in laws pay for.
5-10 PM: We come back and see that our dog has pooped in their house and also has gotten into their pantry and eaten an entire bag of dog food. It is not a fun night.
We spend the night drinking wine and discussing the wedding and watching TV.
10PM: We go to bed. That’s the end of this week, but tomorrow we will be buying gas and probably lunch for my other mother in law as we will be touring another venue.
Day Seven Total: 143.36$

In a May 6, 2024 speech at the SIFMA AML Conference, the Director of the Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) Andrea Gacki discussed the success of the Anti-Money Laundering Act (AMLA) in generating disclosures about money laundering and sanctions evasion:
[The whistleblower] program holds tremendous potential as an enforcement force-multiplier. Whistleblowers have submitted information relating to some of the most pressing policy objectives of the United States, from Iran- and Russia-related sanctions evasion to drug-trafficking to cyber-crimes and corruption. While efforts are underway to develop an online tip intake portal and other aspects of this important program, I want to note that even while these efforts are underway, the program is actively receiving, reviewing, and sharing tips with our enforcement partners.
We have received over 270 unique tips since the program’s inception, and many of the tips received have been highly relevant to many of Treasury’s top priorities.
money laundering related to Islamic Republic of Iran-backed terrorist organizations. On May 8, 2024, FinCEN issued an Advisory to assist financial institutions in detecting potentially illicit transactions related to Islamic Republic of Iran-backed terrorist organizations. FinCEN Advisory to Financial Institutions to Counter the Financing of Iran-Backed Terrorist Organizations, FIN-2024-A001 (May 8, 2024)
For more information, see https://www.zuckermanlaw.com/anti-money-laundering-and-sanctions-whistleblower-reward-program-detect-and-combat-terrorist-financing/amp/

Teachers and parents of Reddit. How would you feel if your student/child uses Chat-GPT to generate or improve code for a project for a science fair? How would they go about responsibly using Chat-GPT and correct attribute the code?

• GPT-4o(omni) : ability to process and generate text, audio, and visual content seamlessly, more assistant like.
• Anthropic Claude : One of top scoring AI model, available as API. highest MMLU scores. file upload.
• Meta AI : new llama-3 models, can try in the UI, country restrictions apply at the moment.
• Perplexity : web search enabled Chatbot, more accurate answers. and image search. free usage with limits.
• Google Gemini : another good model, API is free to use with limits. file upload available.
• Groq : Fastest inference on model of choice, currently 800Tokens per second. can try llama3 if meta page not opening.
• Phind : Intelligent search engine and coding assistant. Use case: Code search and understanding.
• AICamp - Multiple AI models from top providers all in one place. required login. small free tier.
• Bing Chat - Conversational AI powered by Microsoft Bing. Use case: Web search with conversational context.
• Sonic Suite : set of AI tools for writers and bloggers and in general. requires account, cheap pro plan.
• Komo.ai : found to be useful for coding, as it has less hallucinations.
• you.com : perplexity like app, somethings are interesting. paid account. knowledge is not realtime. file support.
• Mapchannels: ultimate UI lol, does some interesting applications using maps.

nsfw:

• Kazimir.ai - Search engine for AI-generated images.

links to popular chatbots provided by tech gaints and startups like us.
PS: List of popular and emerging AI providers, if not happy keep trying more! this post aims to provide options for our fellow redditors and opportunists. (updated almost daily, just posted today, so few links to get started)