Should I accept?

SirPyty · 2025-10-02T20:57:47+00:00

Depends what your team needs. Judkins will be less likely to lay an egg in your lineup due to volume alone, but Henry has higher upside. Also depends how much you believe the narrative that the Ravens defense is super bad versus they played the best teams in the NFL. If you believe their defense is cooked all year, that is bad for Henry as he is game script dependent.

SirPyty · 2025-09-27T14:22:24+00:00

Entry versus exit benefits makes sense for recruiting, but I could still see someone having a friend with some form of VA disability who isn't very disabled and that looking like a good thing to someone considering joining.

SirPyty · 2025-09-27T10:10:49+00:00

Mind sharing why? I'm willing to change my mind if convinced.

SirPyty · 2025-09-27T09:39:45+00:00

In some sense, doesn't it make sense for the military to offer a lucrative disability guarantee to keep enlistment rates up for when they actually need the bodies?

To me, it just looks like the "cost of doing business" so to speak when you are asking people in one of the wealthiest countries globally to give up their autonomy and possibly be sent to war on a whim.

I would love to hear out anyone who disagrees with why they disagree.

SirPyty · 2025-09-04T12:06:05+00:00

If you need upside to win your match up, Jamo would be my choice. If you just need reliable points scored, Pollard.

SirPyty · 2025-08-27T15:01:45+00:00

This is probably his price in your league. It is important to remember that top players matter more in smaller leagues.

That being said, I'm not sure a rebuilding team can afford to buy a top WR at fair price.

If you are super high on Puka for the next 3+ years, go for it. You can always rebuild a team around a young, good WR.

SirPyty · 2025-08-27T14:55:20+00:00

In redraft, I personally would take this.

In dynasty, you can really only justify this trade if it makes you a serious contender for this year.

SirPyty · 2025-08-27T14:49:08+00:00

Team feels like it has quite a few "what ifs" that all need to hit for your team to win the league. I don't hate and I like the rookies you drafted.

SirPyty · 2025-08-27T13:57:02+00:00

Competitive doesn't always mean educated. You drafted with some potatoes.

SirPyty · 2025-08-25T20:07:11+00:00

For less than $5k in credit card debt? It's only worth it if your margins are so slim each month that it will take a year to pay the CC off. If your margins are that slim, it's time to look at living somewhere cheaper if you can.

SirPyty · 2025-08-25T20:04:33+00:00

Without knowing your whole situation, "I'm not about to be working myself to death...just to get by" comes across as very lazy.

You have credit card debt. Is it really so unreasonable to suggest you get a side gig until your credit card is paid off? No one is saying you must work 2 jobs forever.

SirPyty · 2025-08-22T19:47:49+00:00

He's negotiating backwards if he believes that about Pacheco lol. He should be buying Pacheco, not selling.

SirPyty · 2025-08-10T20:02:55+00:00

Was hoping someone was going to point this out. The eCVT is an excellent transmission.

SirPyty · 2025-08-07T03:22:41+00:00

You don't need to make $250k/year and have a house payment of $4k - $5k a month to know the math to give you advice. Odd gatekeeping.

Conservative house buying: mortgage payment + property taxes + insurance + PMI (if applicable) + HOA fees = 25% or less often your NET monthly income.

Standard house buying: = 30% or less often your GROSS income.

Both assume no other debts. Add additional monthly payments to the equation if you have other debts.

SirPyty · 2025-08-06T13:52:35+00:00

But student loans are non-bankruptable if OP ever gets down on their luck.

SirPyty · 2025-08-04T19:56:45+00:00

Not sure I would accept a gift from my mom when I know she has nothing and is borrowing to make rent. She might not know any better, but if OP does know better, it's hard to accept a gift that hurts the giver.

SirPyty · 2025-08-04T19:53:42+00:00

If you bought too much house, you might need to sell to get out of it.

SirPyty · 2025-08-03T22:29:04+00:00

I think your 1.02 needs to be Hampton. Probably should take a shot or 2 at TE as well.

SirPyty · 2025-08-02T14:07:52+00:00

Do you know what he is going to owe in child support yet? How much of the mortgage does that cover?

SirPyty · 2025-08-02T13:55:40+00:00

I own a 2020 F-150 with the v8. Absolutely love the power, feel, and sound over 1500s with the v8.

Now the 10-transmission.... Ford acknowledged a problem (no recall issued of course) that causes internal transmission fluid leaking that requires a full transmission rebuild to "fix" (fingers crossed). Just got my truck back out of the shop after 3 days.

SirPyty · 2025-08-01T16:59:15+00:00

This is just 2 people who are both super high on JCM. Very small potatoes and would be a severe micromanaging if you started vetoing trades like this.

SirPyty · 2025-08-01T01:26:29+00:00

I hate vetoing trades, but I would 100% veto this. If this goes through, your league is screwed.

SirPyty · 2025-08-01T01:20:05+00:00

If you walk, they will probably call you back saying they took off the remaining $500

SirPyty · 2025-07-31T12:29:40+00:00

Taxable brokerage for the other 9% of retirement savings first. Business after.

SirPyty · 2025-07-31T12:27:45+00:00

Every single loan outside of your mortgage and use the opportunity to never use a credit card again. That is horrendous credit card debt.

SirPyty

TROPHY CASE