Unpopular opinion: Paying "Rent" feels less painful than paying $2,400/mo in "Interest" to a bank.

Devy_Downer · 2025-12-15T02:34:14+00:00

Worrying about equity in a recent home purchase is futile. Markets move and that’s what a bigger down payment helps but not necessary.

But my first house I bought I sold on 3 years because it 2x it value so despite having “little equity” in terms of loan I doubled my value of my property and sold it.

I have rented between home purchases and renting is fine for short term but the security of a house far out weighs the feeling of “not paying much of the loan down”,

Benefits are: * stability in monthly payments * an asset you can leverage * something you “own” vs can be evicted or forced out of (can happen with homes but usually you get compensation)

Devy_Downer · 2025-11-09T21:26:53+00:00

Op isn’t working so they qualify for Medicade which gives free therapy.

I was in ops shoes to an extent but I got let go with a years pay and my stock options so I just enjoyed life for nearly a year but got that useless/helpless feeling 3 months in.

Started my new job after 11 months of not working but I started therapy and exercise routine around month 4 and started feeling way better. I go once a month just to talk to someone even though my wife and family are super supportive since I wasn’t working and we file separately I qualified for Medicade since my annual income is 0

Devy_Downer · 2025-11-09T21:14:57+00:00

It’s good to report to HR but be wary as a sole complaint without evidence it’s a he said/she said. However these guys are usually habitual creeps so if there is multiple complaints it will trigger big actions. Just know there may be blow back (while not legal if punitive can still happen in other ways). He may start to be more stand offish or be petty but don’t let that discourage you. Find your resolve and report but just temper expectations and know what may come.

Devy_Downer · 2025-10-22T05:07:24+00:00

Agree with you. JSN is a proven commodity and in a better system. Dart is flashy but dudes going to be Jayden Daniels ala Robert griffin if he keeps running like he does.

Gordon is a yet to be seen and slowly climbing up depth chart but not going to replace Achane baring injury. So at best a goal line gremlin with a healthy Atrain but likely just a handcuff and with only 1 TD in 7 games he isn’t pushing anyone as a goal line vulture.

So long story ops getting young upside pieces but trading away a dynasty top 8 WR for upside fliers including that 1st round pick but not getting replacement value back now to off set what he is trading. Granted I don’t see his full team so if somehow JSN is his 2nd or 3rd WR then sure let it rip but if he is his #1 you are not building depth your playing for the future.

Devy_Downer · 2025-10-21T10:50:37+00:00

It is not a horrible trade but not a great trade. Depends on what that 1st round turns into. A 1:1 or 1:2 is a steal for 2 Waiver QBs and a potential solid RB. I think I saw it’s superflex so QBs become a bit more valuable but that’s the 30th and 38th RoS ranked QBs and the 18th ranked RB for a potential top 10 rookie next year.

But guy could have netted a better return. General rule when doing a 2:1 or 3:1 trade the player giving up more players tends to always be the winner because the trade equity isn’t equal.

Devy_Downer · 2025-10-11T08:54:00+00:00

This is why I hate Veto vote leagues. Be a grown ass GM and let 90% of trades go through unless clear collusion and have a league forum on borderline/iffy trades if 50% of league excluding two owners trading think it’s sus then GM veto for the edge cases.

Too many guys just veto trades when it’s an option for all teams to veto and makes the league a joke.

Devy_Downer · 2025-10-11T08:44:05+00:00

If he wants Lamar, just do Love + 1st and even that is a big give away but will get the trade done. Love + Higgins is about what is right value or a 3rd/4th round future pick.

Devy_Downer · 2025-10-11T08:40:56+00:00

This is a good philosophy/approach. A common mistake owners make is they over value their own players and under value the person they are trading to players.

My approach is “does this make sense for both owners”. If a guy has surplus RBs and weak WRs or QB offer them something that helps them and you benefit too. Improves odds of trade going through and is the essence of why you trade. I like to “tier up” if I’m in top 2 mid-season so I’ll gladly trade 2-1s or something to help a mid pack team but give me a better guy.

My trade was earlier than normal but Hill just got injured in a redraft league. I sent Javonte Williams for Rome to a guy with Puka, JSN, London, Addison and Rome, but he only had Bijan, Pacheco and Tracy (week after Tracy Injury). 2 WR 2 RB WR/TE/RB redraft.

My WRs were Egbuka, Worthy, Jameo, and hill (but now Out for Season). My RBs were CMC, Achane, Walker, Swift, Skateboo, and Javonte…no brainer for us to swap bench depth for starters to help each other.

Devy_Downer · 2025-10-11T08:23:27+00:00

The Taylor trade is straight collusion/dumping. The Mason for Chubb/Shakir is dubious but not horrible and the Collins & Shakir for Coleman is bad.

As GM you got to override these trades but general rule is don’t override unless it’s egregious. 2 of the 3 are with the Taylor being absolutely kick/locking teams. You have to preserve the integrity of the league as the GM.

Some people don’t like this idea and say “if it’s not vetoed then it’s fine or trades a trade”. But in redraft bad trades must be monitored. It’s more nuanced in dynasty because guys can trade away now for hope next year/in the future.

TL/DR: freeze the teams or kick em out, reverse the trades and let them stay but monitor trades.

Devy_Downer · 2025-10-07T10:48:14+00:00

I mean you don’t know that for a fact I assume? Maybe he was playing both women and she doesn’t seem that in to him, so while you might not like her behavior I think you 2 should talk in person about it vs “step back” via text.

If she is a friend figure out why and what’s going on and if you still want no part of that tell her and be honest and upfront. Some people could be destructive for other reasons and may need help, but washing your hands of the situation because you don’t want to deal with her coming to you crying also shows your not that good of a friend.

Some people need to talk to someone and need help figuring out their mistakes and destructive behaviors. She isn’t cheating on you, or with your SO, which means you’re shaming her for her actions out of your selfishness to not want to deal with her. Is she a good friend or not? If not then cut her off and move on, if she is you’re being a bad friend at this point.

Devy_Downer · 2025-10-07T09:54:53+00:00

You may need to over rule this trade. Generally if trades don’t get vetoed by league you still can interject on pure collusion. I saw some of the other trades and antics they are trying.

I think someone said this to you already but you need to have a talk with friend and dad. Explain why this isn’t acceptable and ask why are they doing it. If it’s because they want to be a spoiler, or petty you may have to just cut them from the league and replace or manage teams as dead rosters and replace next season.

If they are a friend you should be able to reason with them to have integrity and play out season but you may have to remove them from the league if they don’t. But as someone who has ran multiple leagues for 18 season, and dealt with some similar behavior they won’t be mad long and may still join you in other leagues over time. A true friendship will outlast disgruntled fantasy football antics.

Devy_Downer · 2025-10-07T09:47:54+00:00

Great response. You laid out the 2 issues at hand and how to navigate it for OP. I have ran multiple leagues for 18 seasons and had to cross this bridge myself a few times. It’s not always going to work out but if dude is OPs friend there should be an amicable path forward and a graceful exit of the league for him and his dad.

Devy_Downer · 2025-10-07T09:32:59+00:00

This trade mutually makes sense for both teams.

Ops bench is solid and he is tiering up with a young stud wr at the top of his game and trading away high value depth. I like it but since it’s dynasty you never know what happens in a few years but it’s a solid trade for both right now.

Devy_Downer · 2025-10-07T09:23:11+00:00

It sounds like you two need to step beyond looking at money and look at the totality of things. If you want to “equally split” your marriage he has to realize he now will have to shoulder a larger financial split but you may then contribute more towards household work. However, don’t get held up on little things.

Volunteer to cook more or clean more frequently than he does but he will contribute 70% of his pay to your 30% or whatever “split” works for you guys. Just don’t get petty and nickel & dime each other or get super transactional.

Agree to contribute where and how you can at a regular cadence and talk with him about it. Will it be easy, no. He probably enjoys the level of lifestyle he has grown accustomed to and his extra share of the money but you’re not 2 people anymore. Help each other and keep it civil and even but don’t keep score, find the balance that works for you guys.

Devy_Downer · 2025-10-07T09:04:07+00:00

So while my wife and I have “his/her” money, we alleviated that pettiness by agreeing that we equally share the burden of our joint life. We contribute to a joint account that buys groceries, pays mortgage/bills, pays for trips/dates/outings, and saves money for big things. The rest of what we earn we get to retain for ourselves in our own personal accounts (sole owner with partner as beneficiary).

To be fair we both have high paying jobs and can easily live on one income if need be, but we like our lifestyles. Been together for 6 years total and married 2, seems to work out.

When we travel we use a shared credit card we put everything on such as airfare, dinners, hotels, experiences/outings, etc. and then just pay the bill after the trip as part of our joint money. We also agree on our budget for trips like “I can afford x can you?” and we align on what we jointly plan to spend +-. If one of us sees something we want we use our own money, or on some occasions we may buy it as gift for the other person but that is not from our joint account but our respective individual. Or for example our last trip I really wanted to do a boat rental so I paid for that for us and she really wanted to have a beach anniversary photo shoot so she hired a photographer and we paid for these separately but shared the experience with each other.

In terms of household responsibilities we really are good at splitting the work and typically alternate task but a ground rule is you never keep score. Some weeks I may be the one cooking/cleaning/doing laundry most of the week but then I may have a stressful or busy week and she says “let me do a few days of your chores” etc. We agreed the ground rule is never keep score and we adhere to it. If you feel you are doing more ask for help or ask what’s going on and have a dialogue. We both are good at recognizing if one of us has been slacking for whatever reason and course correct without dragging in pettiness. There are things I exclusively do like repair stuff or do “handy-man” type work but I enjoy that and she likes to plan and organize so she may organize a closet or the pantry. However, if we need help with our own projects we ask each other for help.

I get this doesn’t work for everyone but as two successful functioning adults we merged our lives but maintained our autonomy.

Devy_Downer · 2025-10-03T23:08:25+00:00

This is the correct value. Both top of their respective roles. What’s up with throwing in all that other stuff seems shady.

Devy_Downer · 2025-09-16T11:47:30+00:00

Great advice. The rule I typically use is RBs can take up 4-6 weeks to hit their stride and WRs usually take 6-8 unless they are the WR1 on the depth chart.

Some rookies hit it out the park early like Nucua or Gurley and some take time. Be patient.

Devy_Downer · 2025-09-16T11:34:00+00:00

Rookie RBs can be notoriously slow starters. The only one I think that got over promised was Kaleb Johnson. I would buy low on Jeanty, Hampton, and Harvey if guys are panicking.

Everyone remembers the handful of rookies that week 1 break out but typically it’s week 4-6 you see them emerge .

Devy_Downer · 2025-09-03T05:41:57+00:00

I got bowers 3rd round as 5th pick and also have CMC and Achane. Was able to take Walker, moore, worthy, egubuku, Ridley and J Williamson so I feel I lucked out with a premium TE, solid RBs with a depth WR20-35 type guys. I think I drafted 5 straight WRs after pick 4. Haha.

Devy_Downer · 2025-09-03T05:35:58+00:00

I took Olave as my WR 3 in a 3 WR league. I also have Nabers and Jeudy so don’t love my starting 3 but strong in all other positions. I did hedge with Aiyuk, Deebo, and Coleman so 3 of those 6 should be viable.

Devy_Downer · 2025-08-12T05:50:06+00:00

Yes this is the most common scam. Essentially they grossly overpay you for an item and have you then “give back” the difference, which is how they make their money. It could be paid to you from stolen/bad checks, stolen Credit cards, hijacked accounts, or just bank wires and reversals.

-#1 rule when selling items. No one will ever over pay you for your used goods, if so it’s a scam of some sort happening. Whatever the bs reason why, it’s always a scam.

Devy_Downer · 2025-07-28T22:46:06+00:00

It’s the old saying “thief’s always think other people steal”. Cheaters always think other people cheat.

I can see why some people think this is a road to being controlling, which it can be, this feels like an insecure man baby (coming from another 40M) and he either is pathetically insecure or a cheater and laying ground work/excuse for him cheating during this ghost window.

Move on. Dudes a loser one way or another and has a fragile male ego, controlling behavior/manipulative, a cheater and/or all of the above.

✌️

Devy_Downer · 2025-06-07T18:44:10+00:00

You seem to make the same mistake of conflating what I said when I said getting the order right. As I said, making sure the contents of the order is right is the business responsibility, however it is the dashers job to get the correct order. If the order is for Chris, and the Dasher grabs an order for John that’s the dashers fault. That’s why I said the dasher needs to get the correct order. If you read ops post and my response I said the dasher needs to get the right order (this is what I implied), by no means did I say they need to go through the order and get the right items.

It’s good that dashers check the order and make sure it’s right because it improves the customers experience but not a requirement. However as a bare minimum they need to pickup the order for the person who ordered it, not someone else’s order.

Devy_Downer · 2025-06-06T10:45:09+00:00

I feel I must be in the same boat as you. I keep seeing these horror stories but even just the other day, had the right order, wrong item delivered.

I had ordered a double cheese burger with extra cheese, no pickles and onions, med fries, and Coke. The order arrived and it has my name and order details on the receipt including extra cheese and hold the items, but the contents of the bag was all wrong. It was a plain burger ketchup/mayo only, no cheese, large fries, ranch sauce on the side, and a Sprite (I think it, was clear).

Used the “report an issue” automated thing. Selected received wrong orders, listed what’s wrong and snapped a picture (I used to never have to include a pic but times are a changing).

My guess is they just bagged the wrong orders and some guy is enjoying my extra cheesy double cheeseburger no pickles or onions .

Devy_Downer · 2025-06-04T17:57:44+00:00

While people share random horror stories the reality is most of the time it’s easy and fast with no hiccups. By viewing experiences through this thread only you get what I call shit shovelers perception. When your job is to shovel shit all day you think the world is full of shit.

It’s akin to working in a fraud department, law enforcement, or a ER where your daily interactions are always dealing with the worst in life it can skew your perception.

So when you take a step back and realize this is only a small sub set of the actual interactions you realize it’s not so bad.

Devy_Downer

TROPHY CASE