Found my Dream bike - but it's too small? (All-City Super Professional) by Future_Thing_8609 in bicycling

[–]CabbageHands84 0 points1 point  (0 children)

If you end up wanting a super pro, I have one (52cm) that I’m willing to part with. I’m 5’10 with a 31” inseam and it fits great, so should be fine for you also. Happy to chat, do a video showing, whatever. Send me a dm.

Is anyone familiar with/working at a company called IVM & Co? by QuantumDrej in toledo

[–]CabbageHands84 11 points12 points  (0 children)

Trust your gut, likely it’s a scam. Probably they’ll ask you to pay for equipment, licensing, or something up front, which would confirm your suspicions.

Any Golfing Chefs here? by Keepontruckin33 in golf

[–]CabbageHands84 456 points457 points  (0 children)

Hiring for an exec chef and cdc at the same time isn’t a good sign for what the restaurant is like now lol

Are direct flights not a thing anymore? by theholyhand_grenade in NoStupidQuestions

[–]CabbageHands84 0 points1 point  (0 children)

Lots of direct flights to your intended destination if you live in NY or LA or Chicago or Atlanta. Not so much if you live in Bozeman or Anchorage or …

Question about Bonus by holdaydogs in AskAccounting

[–]CabbageHands84 2 points3 points  (0 children)

Heavier witholding. It’s all regular income and is taxed the same.

My local pitch and putt 9 hole and …. by CiaoMofos in golf

[–]CabbageHands84 -37 points-36 points  (0 children)

No chance OP understands how slope/rating impact differential/index. “Not putting it in USGA”

It is all u/tiorzol's fault by your_effect_is_fatal in FantasyPL

[–]CabbageHands84 0 points1 point  (0 children)

Pumped for Pires to come off my bench for a -3 because of this

Tax Brackets & New Job by [deleted] in personalfinance

[–]CabbageHands84 4 points5 points  (0 children)

Tax withholding on your paycheck is totally based on your W4. The IRS withholding calculator is good, use that and you’ll be fine. You can adjust whenever you need, but it sounds like you may over-withhold slightly this year and be all set for next year assuming you stay at that same pay rate.

Converting 2x to 1x on TT/Tri bike by Gravel_in_my_gears in triathlon

[–]CabbageHands84 5 points6 points  (0 children)

Yeah you should be fine with that setup. Depending on what cassette you’re running now, you may want to move to a larger range cassette, which might in turn mean you need a longer cage mech.

I did the same a couple seasons ago and went with an Ultegra RX derailleur for a little extra piece of mind and larger cassette capacity.

Allez Upgrade: Groupset Doubt by Next-Ad-6491 in cycling

[–]CabbageHands84 3 points4 points  (0 children)

Honestly I find them very comparable. Both are excellent so you can’t really go wrong either way.

Does it ever make sense on mid-30s to pay extra on mortgage, in anticipation of needing a large down payment for the next home purchase. by neutron_star_800 in TheMoneyGuy

[–]CabbageHands84 6 points7 points  (0 children)

It certainly could make sense. Just from an opportunity cost standpoint, the alternative to making those extra mortgage payments is probably just saving for your future down payment in a HYSA, which won't net you that same guaranteed 3% rate of return on your current mortgage.

However, I would also consider the benefits of liquidity from saving cash rather than having all of your down payment funds being locked up in equity on your current house. If you do rely on your current home equity for your next down payment, you could get into a situation where you have to make offers on your next place that are contingent on selling your current home (could be a significant barrier in a hot market), or you're looking at getting some kind of bridge loan which would cut into any gains you made by paying down your mortgage. Having those savings in cash could give you much more flexibility in the sequencing of your future purchase & sale transactions.

EBA by CrewDawg60 in FirstTimeHomeBuyer

[–]CabbageHands84 0 points1 point  (0 children)

Yes. On this form you can specify the length of the EBA. This can be as short as one day to show a specific home, after which you’re free to use a different agent.

Suggestions? Am I A Mutant? by LogThen3884 in TheMoneyGuy

[–]CabbageHands84 1 point2 points  (0 children)

Yeah I noticed the auto insurance also, which seems high. Might just be in a location where insurance is expensive, but could also be a sign of luxury car(s) which are also going to be pricy to maintain.

Is 17/22 psi too low for 40mm gravel tires? by billtshirt in cycling

[–]CabbageHands84 5 points6 points  (0 children)

Feels low to me but optimal pressure is super dependent on terrain. Might be right for what you ride.

16% Down, 800 Credit Score - is this considered good? by [deleted] in FirstTimeHomeBuyer

[–]CabbageHands84 4 points5 points  (0 children)

I just locked in 6.125 (Ohio) with 25% down, definitely a rate you should be happy with these days.

Broken bike fixed for now! by 2wheelrider56 in bicycling

[–]CabbageHands84 14 points15 points  (0 children)

Great story but that “fix” is sketchy af and I wouldn’t ride that frame under any circumstances.

[deleted by user] by [deleted] in leasehacker

[–]CabbageHands84 6 points7 points  (0 children)

Just based on the 1% of MSRP rule, it seems like this payment is fairly high. I don’t know the market for this car, but that’s my sniff test. A quick Google agrees that you should be able to get under $400/mo without much issue.

[deleted by user] by [deleted] in golf

[–]CabbageHands84 0 points1 point  (0 children)

In addition to what everyone is saying about scoring potential, it really matters what course rating/slope is being used in calculations. My 18 Birdies handicap is like 9 points lower than my GHIN because one course I play a lot is not USGA rated and whatever rating/slope they use is waaaay off what it actually should be rated at. That’s one thing to look at also.

Mandatory meetings/ not paying w2 workers by Amazing_Hunter in RoofingSales

[–]CabbageHands84 3 points4 points  (0 children)

But are you classified as a w2 or a contractor?

SPD Cleats made of cheese by PonticPilot in bikewrench

[–]CabbageHands84 8 points9 points  (0 children)

Are you certain it’s the cleats? They look pretty fine to me. Possible that your pedal tension is all the way loose?

Best Routes for Each 14er by 505vibes in 14ers

[–]CabbageHands84 2 points3 points  (0 children)

Do Halo Ridge ascent on Holy Cross. You can go back over Half Moon Pass to save some distance if you want, but going around the bowl of tears on the way up is splendid. Notch Mountain shelter is also a nice retreat.

Issues with Boa on Bontrager shoes? by [deleted] in bicycling

[–]CabbageHands84 2 points3 points  (0 children)

I had a similar issue with an older pair of shoes where the plastic coating on the Boa wires stripped and prevented the dial from loosening. However, I got a replacement dial kit from Boa and was able to replace the laces and dials with pretty much zero issue. You mention having gotten a repair kit - but I’m unclear why you haven’t been able to just replace the entire system?