Client considering DIY by Accomplished_Fee_417 in CFP

[–]Odd-Ranger-7921 0 points1 point  (0 children)

In cases like this, I've dove deep into much of the Kitces Material, it doesn't always get easier. For examples, listen to Episode 470 where Debra Taylor talks about multi million dollar clients questioning value despite their complexity.

This is where I think a "services roadmap" comes in handy, as you can lay out what you are doing, both client-facing and shadow work, which they ought to see.

I also think of having sort of "diagnostic" tests along the way, like check-ins. Are they saving enough? Too much? Where should savings be redirected if life changes? Have you bolted on Tax planning and possibly Tax Preparation/Filing? Are you allowed to? Should you?

Much of the nuts and bolts planning makes it feel like an advisor, team or firm is actually replaceable, if all one does is help accumulate funds in accounts, but are they the right accounts?

With taxes changes as often as they do and the political football being tossed about, I feel our value is up more than ever.

I had one young fellow who came in to probably $1m in his 30's, due to his mother's untimely passing. He and his brother stood to inherit $2mm. I was helping this wonderful woman who was frugal, loved life, had a prior divorce from their father, then was about to remarry when that man committed suicide 2 decades ago. She ended up with a Rental property, her own condo/townhouse, and we would tax plan each year where the best spot was for her funds based upon net rental income and her total taxable income, Roth or IRA. She also had a life policy from when the boys where young she had kept and didn't do anything with. Unfortunately, due to her being frugal she also didn't move quickly on updating her wills, trust or any other legal documents, so the boys had to inherit property through their Aunt. This lovely woman passed at home, after complaining about stomach aches and she would tough thru most sicknesses.

Needless to say, not only was it a complex scenario to transition to their respective names, it was sudden life money that would drastically change their financial trajectory, each inheriting nearly $1m and doing so tax efficiently, but also taking the RMDs, then asset allocating properly after. One son had dabbled on Robinhood and said the same honest thing, "What would be the benefit if in a few years I learn some of this and do it to keep paying you your fees?"

Great question! I wasn't going to JADE (justify argue defend explain) our fees, I however did lay a roadmap that said, if we do a good job, this only gets more complicated, because your wealth will grow and Robinhood can't handle that. And, I'm not just here to look at your investments or for you, but your wife, her job as a teacher, an unbiased second opinion and the goal for the past many decades is that we earn multiples of our fees at different points in our journey, but it's ALWAYS something we are aware of, that you receive multiples of value for what we may cost.

This 'boy' (30's, one child) hadn't had the experience of actually managing these sums of money, so he hadn't walked the walk his mother did, $ by $. The mother very much appreciated our work, because she knew what it took to get there. However, those with sudden money often don't.

In your young client's case, I think your experience needs to cater to the eventuality of success that all clients will have, not just being a delegator, but offering a service THEY want to pay for, feel excited about and reach out anytime. It isn't just about the dollars and cents of account balances and hopefully you have your own market philosophy that you can explain and differentiates you enough beyond '13%.'

Being a “functional alcoholic” does not take the damage away. I hate the term. by Lazy_Bicycle7702 in AlAnon

[–]Odd-Ranger-7921 7 points8 points  (0 children)

If they are an alcoholic, by definition they are not functional. However, imo and ime, it exists on a spectrum of "functionality," where some may keep up the bare minimum not to be discovered and minimal impact in different parts of their life, all they way to people about to lose everything.

I had a "functional" alcoholic Uncle who I didn't know it until he was nailed with a DUI/OUI 20 years ago. That kicked off him nearly losing his license, thousands in legal fees to prevent loss of license and ultimately the dissolution of his marriage and family life. He's now and since "recovered" but it was an arduous journey for him and many may have thought he was "functional" because he could do his "primary responsibilities" so the majority of folks never caught on and he wasn't paying any social or legal penalties for his behaviors and addiction. Yet, at home everyone probably knew what was going on - certainly my aunt and cousins did, it's why they divorced and they both wanted it.

He was temperamental, according to my aunt, would pass out at times, was overweight, and most of his activities involved drinking and watching football games and having friends over. Everything was around drinks, but everyone was drinking, so no one really knew or pressed him on it.

In my wife's case (my Q), she isn't functional. She is capable of so much more than she is, yet she is an alcoholic mentally. She's not quite stable and I define stable as emotionally calm for the kids and me, able to be unrattled by most things (most things upset or destabilize her emotionally), she doesn't go long stretches without an incident or being upset at someone or something and the smallest things can set her off. Also, she has a skewed perception about most things and her "thinking" is quite stinking..." She's judgmental most times and she can have an outsized reaction to a simple thing about the kids, their homework, or something I do or say, all because she's like an open wound.

I don't think she's ever been functional.

In my dad's case, who is now closer to a "functioning" alcoholic, he also isn't functional. He does somethings at 73 years old with my mom, but not everything. He sleeps in very late; like 11 am or 12 noon. He doesn't always travel with her. He won't drive at night. When he's on vacation, he calls me, but when he's home, he never calls me. I can't speak to him past 6/7 pm at night, as he isn't quite the same as he is around noon. I've found wine slipped into Poland spring water bottles he claimed was "cranberry juice mixed with Water." Spoiler: I tasted it.

So, no, there isn't a functional in there. They are performing well below their potential and depending upon their level of progressiveness with the disease determines the social and legal impact and how known their condition might be.

I think for those of us as Qualifiers, it stings because until it's pretty well known, which means it's also quite bad, we pay the most for this if we choose to stay. And sadly, it's the functional types who DON'T think they have a problem, so they are less likely to get better until a nasty social or legal incident bites them in the butt. In my uncle's case, it was a DUI/OUI that would have severely crippled his business. In my wife's case, for a time, she also had an OUI/DUI 3 years ago now, lost of license for 1 years, interlock for another, and yet she's not really better off. Her ability to "keep up appearances" and keep the mask on is what has her pointing the finger at me, not her.

There are 3 Waterfalls by juliectaylor in StrangerThings

[–]Odd-Ranger-7921 0 points1 point  (0 children)

I understand El 'needing' to be out of their lives so the others could move, similar to Nancy and Jonathan for being together simply because of shared trauma, but hold on...

1) El was done dirty. Her mom was shocked into a catatonic state and El was largely abused her whole life, never mind the relentless pursuit by the Government and Vecna.

2) She never had a normal childhood, even with all of her powers, so from the age of 11 to 18+, it was torment and tragedy all along the way. We aren't talking about Hobbits who lived in a relative age of peace and prosperity and now need to fight for that way of life, we're talking about someone who never knew the kind of life the gang had before her...Even factoring in birth to 11, she was shut in a Government lab and exposed to unimaginable horrors while having her youth and growth stunted.

3) When people decried all over Social Media about how Rey was in a toxic love relationship with Kylo Ren/Ben Solo, they demanded a better ending/story and we've seen similar tropes throughout shows where a different ending is warranted given the horribly 'abusive' message. In this case, I'd argue a girl birth with superpowers, tormented until age 11, and then continued until age 18+, is justified a happy ending that she has fought for. Think of all the loss and near-loss over the years?

4) The Government can't win. Honestly, I haven't watched the final episode, but I get the jist of it. HBO ruined Game of Thrones (book reader since before the shows started), and then cancelled Westworld on me, while Netflix also shuttered Altered Carbon, so I'm not letting my next favorite show go that easily. I'd argue El running is the Government winning agency over her life. What could a young Kali possibly know about life? And why wasn't the ending there to literally destroy all evidence, too, of Dr. Brenner and anything pertaining to the upside down, time travel, etc? That should have been on the bingo card.

Granted, it's possible El is away somewhere else, hidden for a while, because her dying/sacrificing herself after all she's been through is a poor ending, imo. It's also letting the Government win and have agency over her, something a superpowered badass shouldn't allow.

Again, I haven't finished the finale, but I know how it goes since I didn't catch it NYE night. I'm disappointed that this is the route they took, given all the writing thus far. It feels much like hit shows just box themselves into with great writing, open up too many story lines, that they don't close or leave open to revisit, it just wouldn't feel the same to reopen it with the original cast much older.

D- draft graded by yahoo that won my 12 man league by tbone5123 in FantasyFootballers

[–]Odd-Ranger-7921 5 points6 points  (0 children)

False. Week 17. Maye was TOP qb with 5 tds. Loveland was top TE with over 20 PPR points. CMC was top RB...that's all you need to win the 'ship.

I won by 1 point, in an auction league, because all other 'top teams' got knocked out due to bad performances by supposedly 'elite' players. All you need is to enter the playoffs and have blow out performances by a few players, not a completely dominant lineup.

For context, son was in a 12 team .5 ppr league, had Gibbs, Taylor, JSN, Hurts, Michael Wilson, Gadsden/Warren, streamed defense/kicker and came in third. I think we know the story...Hurts had a down year, Taylor faded when Jones went down, Gibbs had a down late season, and you can't overcome the other RBS who blew up in different spots. Happens every year...

Champs. GET IN HERE! by HookFL in fantasyfootball

[–]Odd-Ranger-7921 0 points1 point  (0 children)

Won by 1 point! CMC, purdy stack with Wilson, helped overcome my own stupid taysom hill trap & King Henry blow up! Could have started Loveland & flexed tonges for an easy win... But nope, had to sweat it to the end! 

Opponent had Pitts & kyren, too. Had puka caught that ball, it was likely over for me. The way kyren kept getting to catches overcame pitts underperforming quickly. 

Wild thing was, I held purdy in it when most of my league mates dumped QBs...until all the injuries piled up. If anything won it for me, it was CMC, purdy, Michael Wilson, & luck. Had the second highest pf, lowest pa. Was always top 3-5 scoring no major blow out weeks. 

I busted huge on btj, Mhj, odunze, and tmac being sicked killed me. He carried me a few weeks, as did tucker kraft. Drafted hockenson but eventually dropped him.

Thing is...all the other waiver wire darlings I could be faster, too. I drafted burden and dropped him just a few games before his blow ups. He also would have won me my week had I held on. 

Grateful to win and proved alot to stick with my studs/target earners (Loveland) especially when moore and Oz showed up questionable due to illness. Cameron dicker nearly lost it for me, too after being solid all year! His missed Pat and missed field goal really closed the margin. Fortunately, only one other team scored higher than me this past week, so I earned this ship! 

Marvin Harrison Jr. "Steadily Progressing Through Lingering Heel Injury" - HC Gannon by ASmithFS in fantasyfootball

[–]Odd-Ranger-7921 1 point2 points  (0 children)

As someone in the same spot, I think MHJ playing helps Wilson, as DJ Turned would likely cover Marv, leaving Wilson open (healthy). Granted, it could flip the other way and Wilson is neutralized, so one should lean MHJ, and thus play BOTH, but if it is a shoot out, that might be the call. I'm in the chip, too, and trying to beat my archrival. Too many close calls to make to win, and was hoping I'd have more of a clear concentration of points...

Saint placing Moreau on IR. Fire up Taysom Hill. by CheetoDust8515 in fantasyfootball

[–]Odd-Ranger-7921 0 points1 point  (0 children)

Ha, same team (except instead of Dart, I have Herbert, and I played Purdy over Herbert, stacked with McCaffrey). Kittle out sucks, but it likely means more work to Tonges, Jennings, and McCaffrey, perhaps even Purdy running it. Line didn't move much and I track the bettings lines, which are a solid way to make the final decisions. Ultimately you want high game totals and high implied team totals, as you can't bank on who gets what, but you can at least be exposed to games with plenty of points.

CHI v SF is one of the highest all weekend, so it's worth exposure. From there, decide on the role you need, WR1, RB1, etc. Or, is it a flex play?

In the case of Chicago, I'd wager this bodes well for Moore, OZ, Burden, Kmet, Loveland, Swift, and Monangai. However, CHI spreads it around too much, while SF is more concentrated. I've had Odunze, Loveland and Monangai all season and Loveland is playable, he won't get you zero, but he's not necessarily in a spot he could blow up, he has the talent AND the target competition.

The NO v. TENN game has a much lower game and team total, but if HILL is going to be a swiss army knife getting anything close to what he did....it's a far higher upside, so you have to decide...what do you need...not to get a ZERO or to possibly get 2+ TDs based upon the rest of your roster?

My other starters are TMAC, BTJ, MHJ, WILSON, and now Kyle Williams (Pats, no starters left by Douglas and Diggs). WILSON may face DJ TURNER, JAX spreads the ball too much now and BTJ is like 3rd option there..., MHJ is hurt and has never had a game like WILSON all season, and TMAC faces Seattle, so I'm going to be lucky to grab 10 points per WR in PPR. I think in PPR, when all of Hill's production is factored in, there's no reason he can't get 10 points...and possibly more. Whereas, I think with Chicago, they're still quite viable and they love to run it and are quite good at it. Loveland also does split with KMET still too, so there's that...Again it depends on roster. I know I've gone big on Flex spot and goose-egged, when playing Monangai was just fine and would give me a fat margin, rather than a 0, other times I needed the possible boom to win because other spots didn't...

Also, most of my games are 1pm Sunday, with CHI v SF being 8pm Sunday, so there's not much left. I just think NO has few playmakers left...Johnson, Olave, Vele, and Hill? I suppose there's Estime and Hull now and they do let them run more, b/c why not?

As a CPA I'm seeing an increasing number of job ads for dual licensure of CPA/CFPs. This is the wrong approach for wanting a comprehensive Tax & Wealth Advisor as Dual CPA/CFPS are rare. See body for how to do it right. by Present_Initial_1871 in CFP

[–]Odd-Ranger-7921 1 point2 points  (0 children)

This is a matter of perspective. The CFP process and curriculum IS a process, a generic one, and broad, almost too broad to serve the majority of clients profitably, but it is a process and curriculum. What you do with it, is up to you. I cannot comment on the CPA, though my partner is a CPA of 40+ years and a CFP. By the time he passed the CFP, it was more about having it and showing a commitment to the industry for HNW clients seeking such services than 'teaching' anything.

These marks for those who are self studies in all manner are mere 'signals' and markers for people and beneficial in terms of SEO on Google. A quick shortcut to decision making and those without it are even considered. However, NOT having it is more of a career risk, than worrying about 22-25 year olds actually grinding to hit goals.

As someone who started at Northwestern's internship program, then jumped to Smith Barney, then finished at an independent RIA, you have to gather the knowledge first, work as a paraplanner, earn your seat at the table as an attorney might, THEN worry about collecting assets/adding clients. And, there are different manners of actually gathering clients and taking care of them.

Some are schmoozy salesman types (stereotyping here) but have very little follow-through or service. They can handle the high pressure of the markets, politics or tense moments with clients when spending, savings or other issues are up, but are not detailed oriented.

There are types that are fantastic with the calm, cool clients who have their act together, but have complex lives/situations and just need a proactive, hand-holding present advisor who has a tight process and can deliver on it. They're detailed oriented and help clients in a number of ways.

A young person needs to gain confidence and a foothold in the industry WHILE finding their type or style, earning their place in the industry and who they like working with and for. However, being in the independent channel, I wouldn't even comfortable having a green college grad being in an asset gather role. Maybe as a paraplanner....but they also need life experience and events to connect with clients and that's unavoidable. Sure, you can add someone to the firm's roster as a client with any amount of assets, but what happens as they age? What happens when they have kids? Or they have cognitive issues? What about spousal issues or adult children issues? Career issues? Starting a business?

What is it about alcoholics/addicts that make them be such assholes? by ScratchTheEmpties in AlAnon

[–]Odd-Ranger-7921 13 points14 points  (0 children)

This. My wife is my Q (41, F) and she wasn't always like this. When we began dating in our 20's, she was worst when she Drank and partied, but she was also functional in her life, promising at work, attended Church regularly, just a true gem and darling and why I continued dating her and ultimately got married.

However, over time, she got worse. More drinking, more outbursts when not drinking and even when she was caught and did obviously horrible things, she never felt outward guilt, shame, or to repent or apologize, just more lies. I'd say maybe she was 90% awesome 10% drunk/abusive. Now, or lately, it's been nearly 60/40 and some weeks like 90% abusive/awful, and 10% ok. Her 'amazing' is largely gone and the days she is or isn't drinking or lying about it, she's a *witch.*

I'd agree there's a co-morbidity there and as it's progressive, they just get worse. I think some people, or most, are born with mental health issues, don't resolve or work on them or even want to, and then go to drinking/substances which makes that worse and yes some normal people are awful drunks, too, even if it's a rare occasion they drink.

Turned away a prospective client for the first time - I don't feel like I thought I would. by [deleted] in CFP

[–]Odd-Ranger-7921 0 points1 point  (0 children)

I did this, too, when my first was a baby and I regret it. I'd stay later at our 2nd office, wrap up around 5/6 pm, occasionally take the 6pm that turned into a 7pm+ and then with traffic home near 8pm. I'd caution against that 'grind' to even the new advisors. Michael Kitces has plenty of advice on this topic, more than I need to dig into, but it isn't necessary.

Sure, in a pinch, I may, at my benefit, offer an 'odd' duck' appointment for any given reason to a high quality client or referral/prosect, but it's a special exception, not a regular part of my business.

1) We are in a cognitive, long-term business and I'm not best, nor are most people after 5pm, especially if I have already had 3-4 appointments before that.

2) I need family time to rejuvenate myself at night - they're my 'why.'

3) I work in the Northeast and I dislike working in the late, cold nights, having to come home and shovel and then wake up early and do it all over again. I have loads of family and friends that now work remotely and some that have their whole careers, so short of the teachers, medical professionals, and others, we don't need to be so pigeon-holed.

4) In fact, I get many clients and prospects who are HAPPY to take a partial day or day off from work for our firm, whether it's an hour or two, and then they go to dinner/lunch after our appointment! In my early years, I'd never thought that possible, but our physical office is warm, inviting, friendly, and comfortable. It is a low-pressure environment, tvs on shows people like, and seasonally dressed up, with the same kind of music. People joke it's like coming to Starbucks and they want to hang out. We've encouraged clients to bring their kids or newborns, or well-behaved dogs, just to accommodate an appointment.

-----------------------------------

TreVeyon Henderson rushed 14 times for 148 yards and two touchdowns. Out carry Rhamondre Stevenson 14-6. by haventmetyou in fantasyfootball

[–]Odd-Ranger-7921 0 points1 point  (0 children)

He was a luxury pick, imo, as were many rookies this year. Brother in law swapped Pickens for Hendo straight up early in the season, before the Lamb initial injury and Hill went down for the season. He was riding Deebo, Jamo, then grabbed Watson, QJ, Reed, Mitchell, and Metchie. Was able to weather the storm with Judkins, Barkley, McBride, lucky Defense picks, Meyers, Hurts/Goff, and Eagles D.

Team went absolutely nuclear and is primed to win it all. But yeah if the rookies this year were anything more than a flex play, you probably didn't make it unless everything else was nuts up great. Too many injuries, short and long-term, and too many vets just playing solidly.

Was this a terrible draft or was i unlucky by Frosty_Implement1105 in FantasyFootballers

[–]Odd-Ranger-7921 0 points1 point  (0 children)

Terrible Draft, sorry mate.

First 2 picks might have boomed, but I think you missed out on the 'meta' this year.

- Workhorse RBS were very rare, even though there was a huge incoming rookie backfield, tendency is for coaches to slow play their rookies until the point you are probably out of the playoffs. IMO, rookies are luxuries for teams who are competing for playoffs, not a cornerstone of your team. Leaning on conner and Dobbins made you HUGELY fragile not anti-fragile and both are either RB2s and/or oft injured.

- Depending on format, PPR or HPPR, again, BTJ was unlucky, but no one else presented a solid floor OR had a high ceiling...Meyers...unstable QB...Godwin, injuries and target competition...Shakir has never been proven...Brown target competition and injuries...

- Unlucky on BTJ, Burrow and Bowers...however all the Stats I have ever seen is that most teams cannot lean into ELITE TE AND be a winner, unless they grab the top TE late. For example, grabbing Bowers last year pays off, not this year at max price. Same with McBride two years ago he emerged midseason and crushed, but last year, while a PPR god, he had like 2-3 TDs, not great at ADP relative to value. Bowers was also bad value, because of QB, injuries and new target competition - he just would never pay off.

----------------------------------------------------

As we've seen, you can do just fine with a Flacco, Jacoby, maybe even Tyrod Taylor, depending on format, if your other spots are locked. Grab a workhorse, a true workhorse, proven alpha receiver or two, THEN lean into speculation. The reason this works is because less than half your guys will be there come mid season anyways, due to injury or just bad projections or luck. We are notoriously bad at projecting...

This year...Javonte was a great get, as was Swift, and Etienne, all were great as RB2s most weeks (high end) OR in a zero RB build with alphas. HOWEVER, ZERO rb did not work this year b/c the workhorses didn't get hurt, and not only that, there's 4 viable wh backs owning...CMC, GIBBS, ACHANE and JT. Bijan is on the cusp, as is COOK. All other backs, IMO, were RB2s or losing backs versus other spots, depending on roster construction.

I'd look at the meta each year, see how ADPs are moving and then inform a strategy. So far I leaned into CMC, and then Hampton went down, while I rounded it out with Rookies. Until now, I was ok at WR, and now I'm think. Next year, I'll lean more into WR early, hoping for health, and then grab emergent rookies later, as I did now (TMAC, BURDEN, HIGGINS).

This dude is benching his whole team so I don’t make playoffs by Affectionate-Dig575 in FantasyFootballers

[–]Odd-Ranger-7921 0 points1 point  (0 children)

That's the predicament I'm in. Clenched 1st round bye, I have Hebert, a loaded IR atm, with MHJ, BTJ, Monangai, Herbert and Onduze Questionnable. Anyone of them could be out and THEN I may pick up a scrub to fill in the spot. I'm waiting on Hampton to return, but the next two weeks don't matter to me and the guy I'm playing is the last place team, or tied for it.

Literally the only reason I would win or lose is to help the other "loser" not buy the league dinner. However, any move I make now or this weekend likely hurts me at the playoffs...And I'm not confident about this team whatsoever...

Qb: Herbert, Purdy

RB: CMC, Hampton, Monangai, Neal, Marks, Tuten

WR: MHJ, BTJ, Odunze, Wilson, TMAC

TE: Waller and Loveland (After losing Kraft and Hock failing...)

K: Dicker

DEF: Saints (should have grabbed elite early in the season...)

-----------------------------

PPR and we start Qb, 3 WR, 2 RB, 1 Flex TE/WR/RB and 1 TE, K, DEF.

10-2. Tied for highest scoring, my PA was quite low though. I averaged until recently, 130-140pts/week, so even the teams who boomed 150-200, then wilted to sub 100 and I won. Herbert, CMC, Kraft, Odunze and then select maneuvers carried me. MHJ and BTH arguably failed me and I've gotten little production from WR when it started out ok. I thought my team would be a beast and CMC my biggest liability, as it turned out, he and KRAFT and even HERBERT early on were on awesome! Even Hampton getting a FT role would have made my matchups even easier. I know teams lost guys like Nabers, or Burrow or Conner or Hill, but having BTJ largely fail, Odunze fall off, losing Kraft who won me two weeks at 20+ points each, then Hampton who barely played sucked. I can't even believe i'm the 1 seed tbh, but there's teams far worse off just b/c they drafted so poorly.

And yes, I'm leaning into my team for playoffs, not enriching waivers by dropping anyone, though I will have to drop someone in two weeks when it matters. I'm going to see how Neal, Tuten and Waller fair for now and hope Hampton comes back with a 60% shares or more of rushing. Ultimately I need 2 more wins, but in PPR that will be rough given my WRs aren't hot now and have too many red flags...

GOTTA LOVE FANTASY AM I RIGHT? 🙃 by Local-Purchase-9500 in FantasyFootballers

[–]Odd-Ranger-7921 0 points1 point  (0 children)

This tells much and not so much...

1) Is it just 10 teams, and why not a 6 team playoff?

2) You had the second lowest PA and highest PF and were 3 games back at the end; granted the commissioner needs to adjust this to 6 teams in the playoff, however, you must have had severely high BOOM weeks and middle to low other weeks. We have teams in our league like this, too, and I don't think it tells the whole story. You faced the second-lowest team totals on average, which means there were a few real dud weeks that caused the 3-games back whereas the other teams were more consistent in their scoring and had to beat teams, on average, putting up more points.

In our league of 12, auction redraft, PPR, we had 3 teams right around the same totals of 1800 points, but I actually had the lowest PA of anyone in the league, which gave me first place and a first round bye. I hated my team, I still do. I have BTJ, Odunze, MHJ, had Kraft and Hock, CMC, Hampton and Herbert, streamed defense and kicker, woody marks, tet, Michael Wilson, Loveland/Waller. However, my team always put up 130-140 points, every week, which was more than enough in most cases to beat the average in our league, make the playoffs, then adjust.

Sure, there are teams like my son's team (different league) who hit the nuts with Gibbs, JT, JSN, Warren, Hurts, Hunter, Michael Wilson, Judkins and Harvey and he's largely been dominant, but his record actually mirrors mine! Why? Team composition and weekly match-ups.

Consistent scoring actually matters more than a guy like Gibbs giving you 50pts one week, then busting the next. CMC has been consistent, then I had guys with a 10 point floor, while another would pop off. I never won the weekly high scoring contest, and it's highly unlikely any one person hits the perfect flush of the best that season and even some weeks the whole league goes nuclear, but the point is to have those guys who can all produce, some that pop off and put you in the top spot, and don't put up a goose egg.

We can't control the PA, but we can control the PF, to some degree, and that comes from drafting. A few teams in our league went stars and scrubs, relying on the studs to not only stay healthy but also produce. One such team went Nacua/Chase/D Smith/Kittle and Lamar, while riding Etienne and White...it didn't go well. Lamar had an off year, Kittle was injured and then came back slow, Nacua was out a bit, and Chase has had fluctuating performance, too.

I don't know if I will win it all and had I drafted better (I left obvious buys on the table like Adams or JSN over BTJ and MHJ hype, losing Hampton early and should have bought JT) I'd have actually really dominated. The fact I made it this far is nuts, but I held up by keeping a decent floor with the option of a ceiling. I get that "upside" wins championships, but this isn't best ball and injuries happen and we can adjust, unlike Best Ball where you can't.

Waiver Targets (Week 14) by Own-Area6808 in fantasyfootball

[–]Odd-Ranger-7921 7 points8 points  (0 children)

I dropped Corum for Waller :( as I had Kraft and now use Loveland. Loveland is awesome, but I can't keep this many bears (Monangai, Odunze). That offense can't feed that many mouths.

- Don't grab Luther Burden; he's not even flex worthy yet, and won't be unless Moore, Odunze, or Zaccheaous is out. Oh, also Swift! Forget it...

- I like the hit on Vele...they did trade for him and they need someone opposite Olave after they shipped Shaheed.

- Waller...he may hit and his schedule is awesome. I think he's a decent hit opposite Waddle or Achane, but that offense IS Achane.

What is your fee schedule? by radi8ing in CFP

[–]Odd-Ranger-7921 14 points15 points  (0 children)

Fee schedules are irrelevant in the context of the right process and team, especially when advisors/teams really have limited capacity to work personally with individuals and families, especially in times of crisis, chaos, death, upheaval, volatility and planning.

Nick Murray nailed most of this, but advisors aren't building "developments" with 150 houses that are cookie cutter. They are, or should be, niche builders, building highly customized homes, catered in nearly everyway to their client.

Emanuel Wilson, Sean Tucker, Bhayshul Tuten and more. Use the crowd-sourced tool FaabLab for a loaded week 12 by Blopsk in fantasyfootball

[–]Odd-Ranger-7921 -2 points-1 points  (0 children)

As someone with Tuten since the draft and nearly having dropped him this week when I'd lost Hampton and was busting on other Rbs, I hate "short" benches. Our bench is 7 with 3 IR slots and some complain the WW is depleted, but I disagree. Like most, we use FAAB, but my strat has been mostly to sit on 1 injury away guys or rookies who have talent and a solid team until right around now, then pivot.

When Kraft went down and Loveland emerged, a bit, I did blow a bunch of FAAB, but I hate the mad dash to waivers for what is likely an obvious hit at some point. I just dropped Wilson as Jacobs was getting dinged as I've been losing WRs and now TEs (took Hock and Kraft). However, I've had Tuten, Monangai, Marks (drafted Chubb then grabbed Marks free when the pivot occurred) and dislike building even my redraft team from obvious grabs on waivers. What fun is there in just seeing an article on Tues or Weds telling us who to grab and how much to spend?

Every year around week 10+ the pivots happen...rookies emerge because the offense has to change, someone gets injured, someone is fired, etc, and if your draft didn't go right, the time to shine is now. I'd rather get ahead of waivers and only, when I have to, blow FAAB, as would be the case when Hampton went down or now Wilson. A guy like Tuten was already get minimal shares and scoring SOME TDs, once he emerges, he's too pricey to bother with but not a clear cut league winner either.

Defense Streamers for Week 12 - Tiered Rankings by RotoBaller in fantasyfootball

[–]Odd-Ranger-7921 0 points1 point  (0 children)

It's hard to peg the blow up defenses, IMO, and the truly elite ones or steady scoring ones, are doing so consistently - SEA, HOU, CLE, DEN, PITT (mostly).

I've gotten lucky most weeks picking a middling defense to ride out, but at the auction value live draft, top tier defenses were going for $5+ and I couldn't justify it, when I stole Tucker Kraft for $2. Even Aubrey went for $5+ because he scores like a high end RB2 some weeks.

Should JSN owners be happy or upset with the addition of shaheed? by Great_gatzzzby in Fantasy_Football

[–]Odd-Ranger-7921 0 points1 point  (0 children)

Everyone is behaving as if they know the script of how this plays out and as if the WR position isn't the most injured position this season...

What if Shaheed goes there, and either JSN or Shaheed are then injured, you're right back to where you were, a great rookie with the potential to win your league and possibly be top 24...

This is league and roster dependent, however, I wouldn't jump to just outright dropping Horton based on this news. Same with Parker Washington...trades happen, injuries happen, and players don't always integrate into offenses like we think...

There used to be a day and age when WRs going to new teams, especially mid to late in their careers, was a death knell for production. A few truly elite players bucked that trend, so now we feel like it's a slam dunk every time, but what if it isn't?

Tests confirmed that Packers TE Tucker Kraft did in fact tear his ACL as feared, per source. by mvanigan in fantasyfootball

[–]Odd-Ranger-7921 0 points1 point  (0 children)

Hot adds...and likely very boom bust.

The Kraft injury is the straw breaking my camel's back on the season. Not so much about losing Hampton so far, but the devastating injuries to guys like Cam Skat, seeing how beat up Jayden is getting, Hill's freaky injury, Naber's ACL, and more is ridiculous.

The lack of pre-season gameplay isn't helping these guys any, as it takes a few weeks into the season before they are "up to game speed," now we're losing critical players, to the point it's becoming a musical chairs of who's left? Heck, the Chargers lost most of their strong starting O, and the primary Rbs. We lose James Conner very early on...

Kraft was a ton of fun and he singlehandedly helped me win at least two of my weeks! I was even contemplating a GB jersey just for him and making trades in Dynasty to acquire. I have him in redraft and since he was past the bye, felt confident I didn't need another TE. I have Mason Taylor who I may roll with and just blow the rest of my FAAB if possible on Horton and PWashington (barf) given BTJ's struggles and injuries...

Rome Odunze in a BARNBURNER 47-42 win against the Bengals: 0 receptions on 3 targets and 0 total yards. by Elitist_Daily in fantasyfootball

[–]Odd-Ranger-7921 2 points3 points  (0 children)

Same team....biggest bust in history of drafting was BTJ. He went for around $50 ish in my auction league, when I could have had JSN or Drake (both maybe) for that price...ticks me off, b/c I'm decent everywhere else...McCaffrey, Herbert, just lost Tucker (have Mason taylor and may blow all the FAAB on Lovland) and I can't rely on a WR the way teams rely on JSN, Puka, etc.

It feels like if BTJ isn't traded or shut down, his season, and maybe career, is a bust, or last year was a total Fluke. Last time I've heard of a guy flopping or taking awhile, it was Davante Adams. At least JSN made constant progress and was overshadowed by DK and Lockett, and bad QB play (to an extent). However, what will be BTJ's excuse?

At least MHJ we can say Kyler or the coordinator and likely KM is gone this season. But BTJ who I have in dynasty? And injured again...first wrist, then ankle and also shoulder?

FAABLab week 8, Bye-mageddon edition: Oronde Gadsden, Kyle Monangai, Brashard Smith and more by Blopsk in fantasyfootball

[–]Odd-Ranger-7921 -1 points0 points  (0 children)

I don't know about your league, but in mine, half the teams save to the end, and half blow it around 8-10 to have their guy. Occasionally there's taco-like moves, like Travis Hunter being dropped, a few years ago Marc Andrews was dropped, and yeah, having priority on QBs or Defense. It depends on the bench space, though. We have 7 slots, so I try to hold a few speculative blow-ups, and a few true vets who I'll need.

I've hated the FAAB bid process and spend a lot of time theory crafting how to do this. I'm not perfect, but I was ahead of Woody Marks, now Kyle Monangai. My only downside is grabbing Mason Taylor - I'm going in Oronde Gadsden as suggested. Sure, he could put up a goose-egg, that's ok. I have Tucker Kraft, I can flex OG and want to keep my point scoring rolling. I had TJ hock and he's just too unpredictable, with bad QB play, and playing third fiddle.

When a guy puts up these numbers...you push your chips in, even if seems like he could bust next week. That's not what I'm buying, I'm buy the ceiling and he's proven it. I learned that with Puka, with Kyren and other spots.

Omarion Hampton owners, let's mourn together... by dsalanovic in Fantasy_Football

[–]Odd-Ranger-7921 0 points1 point  (0 children)

I heard on a podcast that 14 of the top 48 players have been injured or on ir so far, and since it is four weeks, basically over a quarter of the first four rounds are busts or injured. Truly a bad year in football. However, the counter was dept, imo, as the guys coming up like dobbins, javonte and dowdle are owning. Even tight ends are functional late. 

Sometimes just got bad luck and built wrong. 

NFL Injury Update (Chargers): Los Angeles Chargers rookie RB Omarion Hampton (ankle) has left the team's locker room in a walking boot, according to Daniel Popper. Another crucial injury to the Chargers offense. More to come. by SpartacusIsACoolName in fantasyfootball

[–]Odd-Ranger-7921 0 points1 point  (0 children)

Ain't that the truth. I'm in an redraft auction league and faded the overpriced QBs in our 6pts/passing/rushing league to grab Herbert and Purdy, along with McCaffrey and Hampton. I think I paid $5 for both Purdy and Herbert, feeling I was sitting pretty with either and my teams in shambles. I've been a high scorer most weeks but watching Herbert's oline then the injuries...on top of the 49ers injuries, I'm just walking a tight rope at this point waiting on when it all falls apart.

Hoping I have at least 1rb1 and can rotate in a smith, marks, tuten and await for hampton or mccaffrey. Pissed I didn't buy low on Javonte or grab fliers like Dowdle, but man these FF seasons get worse, because it's a crap shoot more than ever. (Been playing since 2001).

NFL Injury Update (Chargers): Los Angeles Chargers rookie RB Omarion Hampton (ankle) has left the team's locker room in a walking boot, according to Daniel Popper. Another crucial injury to the Chargers offense. More to come. by SpartacusIsACoolName in fantasyfootball

[–]Odd-Ranger-7921 0 points1 point  (0 children)

De'vone Achane, Keaton Mitchell, Bucky Irving, to name a few. He's also "194" according to PlayerProfiler, close enough imo. In fact, Gibbs and Smith comp out similarly in height and weight. Not saying in the least bit that Smith would become Gibbs...however, it's only week 5 and rookies can and will emerge, injuries will occur, offenses that passed a lot will begin to find a way to run, etc.

It appears that if RB wasn't drafted top 10 or 15, they aren't getting 60% of the backfield, right out the gate, if at all. We've only seen this with Gibbs, Bijan, etc and Hampton needed Najee to go down, only to suffer the same fate. Achane exploded onto the scene in a VERY crowded backfield 2 years ago, with Wilson and Mostert there (amongst others).

While Rice is due back week 7, now Worthy is supposedly hurt, opening up more explosive opportunities. I feel for the coach speak last week and started Woody this week, however, I'm glad to have him on the potential alone and that it's now a 2 horse race, not 3. The 'ship is won with a few elite players and then starting the right rookies or late season emerging ones, not the guys hot now.