4 & 2 y/o need us to fall asleep at night

Have a 4 y/o & a 2 y/o. Our bedtime routine is:

- Give kids a bath

- Read books together as a family

- Separate; each kid goes with one parent to their rooms (we alternate which kid we put to bed)

- We might read more books, chat, etc. before lights out

- We lay with them until they fall asleep, then we sneak out and try to have a bit of night to ourselves

The problem with this routine is for some reason, the kids are staying up later and not falling asleep until 8-9. At that point, there's not much night left for us.

At what point did you find you could wean them off helping them sleep to them sleeping on their own? The 2 y/o still has a couple more years it seems, but the 4 y/o should be able to, no?

Edit: Thank you all for the kind words and sharing your experiences. I always find that this community has always been that way. And it's a good way to get a pov from other parents to adjust my expectations.

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u/dartroomrent — 3 days ago
▲ 29 r/halifax

What're your go to take out places in North End?

Going to be moving to the North End soon and was curious what are some good take out places to get excited about!

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u/dartroomrent — 1 month ago

Looking for bank account with specific banking needs

I have a chequing account with one of the Big 5 and it meets all of my needs. However, I'm looking to compartmentalize some transactions to get a clearer picture of my finances.

Here's what I need for my new bank account:

- Free without a minimum balance (or a very low monthly fee)

- Ability to send e-transfers for free (or very low cost)

- Can fund this account via Bill Pay

I found two accounts that meet this criteria: PC Money Account & Neo Financial.

I've looked and can't find any others, but wanted to check with the sub to see if I might've missed something. I'm open to banks, Credit Unions, or FinTech start ups like Neo, etc.

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u/dartroomrent — 2 months ago

Can someone double check my work?

In the process of buying a new house. Going to go with a bank that has the HELOC function that works with SM.

I've created a few tables to help me understand if SM would be feasible for me. The tables are each 300+ rows, but I won't bore you with that much detail. So I'll only include the first 12 rows from each table.

Looking to get some feedback to tell me if I'm on the right or wrong path.

My assumptions:

Mortgage/yr = 4.69%

Mortgage/month = 0.39%

HELOC/yr = 4.95%

HELOC/month = 0.41%

ROI/yr = 6.00%

ROI/month = 0.50%

Marginal tax rate = 43.00%

Half marg tax rate = 21.50%

Mortgage payment = $1,481.29

First, this is how I understand the function to work:

https://preview.redd.it/ahppzwme5kzg1.png?width=1023&format=png&auto=webp&s=411f8bb30ad6c9ac985d987b9b21ffcc07fbe206

Now, here are all my tables, I split up my SM transfer into two tables because I'll be doing an initial withdrawal from the HELOC for around $150K. I want to keep track of the interest separately for the initial pull and the on going monthly transfer.

My house, mortgage, & equity:

Period Date Home value Beginning Mortgage Balance Mortgage payment Mortgage interest Mortgage principle Extra payments Ending Mortgage balance
1 1/1/2026 $600,000 -$263,000.00 $1,481.29 -$1,027.89 $453.40 $0.00 -$262,546.60
2 2/1/2026 $600,000 -$262,546.60 $1,481.29 -$1,026.12 $455.17 $0.00 -$262,091.43
3 3/1/2026 $600,000 -$262,091.43 $1,481.29 -$1,024.34 $456.95 $0.00 -$261,634.48
4 4/1/2026 $600,000 -$261,634.48 $1,481.29 -$1,022.55 $458.74 $0.00 -$261,175.74
5 5/1/2026 $600,000 -$261,175.74 $1,481.29 -$1,020.76 $460.53 $0.00 -$260,715.21
6 6/1/2026 $600,000 -$260,715.21 $1,481.29 -$1,018.96 $462.33 $0.00 -$260,252.88
7 7/1/2026 $600,000 -$260,252.88 $1,481.29 -$1,017.16 $464.13 $0.00 -$259,788.75
8 8/1/2026 $600,000 -$259,788.75 $1,481.29 -$1,015.34 $465.95 $0.00 -$259,322.80
9 9/1/2026 $600,000 -$259,322.80 $1,481.29 -$1,013.52 $467.77 $0.00 -$258,855.03
10 10/1/2026 $600,000 -$258,855.03 $1,481.29 -$1,011.69 $469.60 $0.00 -$258,385.43
11 11/1/2026 $600,000 -$258,385.43 $1,481.29 -$1,009.86 $471.43 $0.00 -$257,914.00
12 12/1/2026 $600,000 -$25,7914.00 $1,481.29 -$1,008.01 $473.28 $0.00 -$257,440.72

Next is my monthly transfer:

Date Beg. HELOC Balance Interest Transfer HELOC Payment End. HELOC Balance
1/1/2026 $0.00 $0.00 -$362.72 $0.00 -$362.72
2/1/2026 -$362.72 -$1.50 -$364.14 $364.14 -$364.22
3/1/2026 -$364.22 -$1.50 -$365.56 $365.56 -$365.72
4/1/2026 -$365.72 -$1.51 -$366.99 $366.99 -$367.23
5/1/2026 -$367.23 -$1.51 -$368.42 $368.42 -$368.74
6/1/2026 -$368.74 -$1.52 -$369.86 $369.86 -$370.26
7/1/2026 -$370.26 -$1.53 -$371.30 $371.30 -$371.79
8/1/2026 -$371.79 -$1.53 -$372.76 $372.76 -$373.32
9/1/2026 -$373.32 -$1.54 -$374.22 $374.22 -$374.86
10/1/2026 -$374.86 -$1.55 -$375.68 $375.68 -$376.41
11/1/2026 -$376.41 -$1.55 -$377.14 $377.14 -$377.96
12/1/2026 -$377.96 -$1.56 -$378.62 $378.62 -$379.52

Next is my lump sum table, I plan on pulling out ~150K when I start SM:

Date Beg. HELOC Balance Interest Transfer HELOC Payment End. HELOC Balance
1/1/2026 $0.00 $0.00 -$151,366.92 $0.00 -$151,366.92
2/1/2026 -$151,366.92 -$624.39 -$624.39 $624.39 -$151,991.31
3/1/2026 -$151,991.31 -$626.96 -$626.96 $626.96 -$152,618.27
4/1/2026 -$152,618.27 -$629.55 -$629.55 $629.55 -$153,247.82
5/1/2026 -$153,247.82 -$632.15 -$632.15 $632.15 -$153,879.97
6/1/2026 -$153,879.97 -$634.75 -$634.75 $634.75 -$154,514.72
7/1/2026 -$154,514.72 -$637.37 -$637.37 $637.37 -$155,152.10
8/1/2026 -$155,152.10 -$640.00 -$640.00 $640.00 -$155,792.10
9/1/2026 -$155,792.10 -$642.64 -$642.64 $642.64 -$156,434.74
10/1/2026 -$156,434.74 -$645.29 -$645.29 $645.29 -$157,080.04
11/1/2026 -$157,080.04 -$647.96 -$647.96 $647.96 -$157,727.99
12/1/2026 -$157,727.99 -$650.63 -$650.63 $650.63 -$158,378.62

Last is my investment account:

Date Beg. Investment Balance Transfer Extra Payments Investment Return Ending Investment Balance
1/1/2026 $0 $151,729.64 $0.00 $0.00 $151,729.64
2/1/2026 $151,729.64 $362.64 $0.00 $758.65 $152,850.93
3/1/2026 $152,850.93 $364.06 $0.00 $764.25 $153,979.24
4/1/2026 $153,979.24 $365.48 $0.00 $769.90 $155,114.62
5/1/2026 $155,114.62 $366.91 $0.00 $775.57 $156,257.10
6/1/2026 $156,257.10 $368.34 $0.00 $781.29 $157,406.73
7/1/2026 $157,406.73 $369.78 $0.00 $787.03 $158,563.54
8/1/2026 $158,563.54 $371.23 $0.00 $792.82 $159,727.58
9/1/2026 $159,727.58 $372.68 $0.00 $798.64 $160,898.90
10/1/2026 $160,898.90 $374.13 $0.00 $804.49 $162,077.53
11/1/2026 $162,077.53 $375.59 $0.00 $810.39 $163,263.50
12/1/2026 $163,263.50 $377.06 $0.00 $816.32 $164,456.89

I'll be capitalizing the interest on the HELOC to reduce my tax burden then using the tax refund to pay down the mortgage.

Any feedback?

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u/dartroomrent — 3 months ago
▲ 2 r/drupal

Have an on prem D7 environment and looking to move everything into the cloud (Azure or AWS).

Discussions around the table is approach:

  1. Upgrade to D11 then move to the cloud?

or

  1. Move to the cloud then do the upgrade?

Any tips, tricks, or recommendations are appreciated.

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u/dartroomrent — 3 months ago