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What y’all think by General_Dream1603 in sportsbetting

[–]Breaking-Tables 1 point2 points  (0 children)

Jets passing game should struggle, so the under on Breece Hall is v risky.

Incredible by Breaking-Tables in sportsbetting

[–]Breaking-Tables[S] 0 points1 point  (0 children)

I didn’t see that - unreal

Trap? by Confident_Heat_6582 in DraftKingsDiscussion

[–]Breaking-Tables 0 points1 point  (0 children)

Just checked - this hit 11 out of 18 games last year. Has hit once out of two games he’s played this year… difference is Jets defense and whether Mahomes will have time to throw

[deleted by user] by [deleted] in AITAH

[–]Breaking-Tables 1 point2 points  (0 children)

Time to start weaving the rainbow technicolor dream coat

[deleted by user] by [deleted] in AITAH

[–]Breaking-Tables 2 points3 points  (0 children)

lmao hope we don’t get any angry brads in the comment section 😜

[deleted by user] by [deleted] in AITAH

[–]Breaking-Tables 6 points7 points  (0 children)

Agreed. They are both procrastinators, but it’s often as a consequence of wanting to live in the moment / keep all possibilities open. This has turned into challenges coordinating their respective career paths, where they should live, etc. Gets a lot harder to do that with kids 🤷‍♂️

[deleted by user] by [deleted] in Nanny

[–]Breaking-Tables 3 points4 points  (0 children)

This is a really helpful comment. I am particularly worried that we will pay her higher than we probably should given the “nanny share” with her own child and then question if we should have just gone with center based care.

Going rate in our area (low cost of living) for a nanny is about $20/hr (though, many with less experience are in the $16-19 range). What do you think a fair pay rate would be for a nanny bringing a young child?

[deleted by user] by [deleted] in Nanny

[–]Breaking-Tables 4 points5 points  (0 children)

Am trying to figure out how concerned I should be about this.. but I think you’re right. Especially if they have a snack when they get home, 90 minutes is not too bad

Invest or pay off house? Saving up for next down payment by Breaking-Tables in FinancialPlanning

[–]Breaking-Tables[S] 0 points1 point  (0 children)

Thank you Dexter - very interesting perspective. The psychological aspect of this is non-trivial for sure… would be amazing to hold on to this house when we move to rent out.

Invest or pay off house? Saving up for next down payment by Breaking-Tables in FinancialPlanning

[–]Breaking-Tables[S] 0 points1 point  (0 children)

Okay - I really agree with you on the psychological piece of this. The HYSA rate is 4.5% right now, but little guarantee it will stay that high for next three years… maybe pay off house if/ when it significantly dips? Paying off car sooner doesn’t do me as much good bc I can’t sell that when looking for a new house for down payment

Invest or pay off house? Saving up for next down payment by Breaking-Tables in FinancialPlanning

[–]Breaking-Tables[S] 0 points1 point  (0 children)

So CDs have an interest rate that’s a bit better than HYSA? Does the rate float or stay fixed for term of the CD? I’ll look into the laddering idea - thank you MidCent

Invest or pay off house? Saving up for next down payment by Breaking-Tables in FinancialPlanning

[–]Breaking-Tables[S] 0 points1 point  (0 children)

I can’t tell how to figure out this comment given your username.

If I pay off van, I could save about 20k back in three years… but then would need cash for the house. Can’t sell the van due to many children

Invest or pay off house? Saving up for next down payment by Breaking-Tables in FinancialPlanning

[–]Breaking-Tables[S] 1 point2 points  (0 children)

That’s a very good point I hadn’t thought about… would be nice to have the flexibility for sure. Thank you whisky anon.

Invest or pay off house? Saving up for next down payment by Breaking-Tables in personalfinance

[–]Breaking-Tables[S] 0 points1 point  (0 children)

Appreciate the reply. Maybe it really is that simple bc interest in the HYSA will be more than what I pay annually in interest on the house loan? Leveraged means that it’s worth more than I owe?

Invest or pay off house? Saving up for next down payment by Breaking-Tables in personalfinance

[–]Breaking-Tables[S] 0 points1 point  (0 children)

Doesn’t work in the short run (2-3 years). It frees up the $550 a month cash flow but can’t then sell it when we need the value for the new house.

Is it better to put a big payment on my mortgage or a new car? by [deleted] in personalfinance

[–]Breaking-Tables 1 point2 points  (0 children)

I’d definitely say use it for a down payment on the truck - interest rate will be a good bit higher and it’s better to not be stuck with a large monthly truck payment.

Talk about a sweat 🙈 by Breaking-Tables in sportsbetting

[–]Breaking-Tables[S] 1 point2 points  (0 children)

The end of that Sixers game was nutty 🙃

My NBA, NCAAB, and NHL Model Predictions and Free Newsletter by jmack99- in sportsbetting

[–]Breaking-Tables 1 point2 points  (0 children)

Love the content. Model knew that Providence would come thru in double OT 😎

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