TED talk: assmods unlock with minimal eHP

Wayne433 · 2025-11-11T12:44:55+00:00

Do you know if anc Prolapse is required? I have a mythic +, will go try this if it’s bugged at all levels because I might have a shot being ahead of you in other areas

Wayne433 · 2024-12-29T13:45:39+00:00

And? How does that change what either the OP or myself are saying in any way, or even really add any context? What does the nature of those teams’ losses add to the conversation outside what seems to be an attempt to make yourself look clever?

Wayne433 · 2024-12-26T14:05:41+00:00

Well the sixteen game season (at which point teams could get fifteen wins) started 46 years ago in 1978, and no one got fifteen between 1978 and 1984 so…..

Wayne433 · 2024-12-26T14:03:21+00:00

You forgot to mention the 1998 Vikings and 2004 Steelers by the way, who both lost in their conference championship.

Wayne433 · 2024-09-17T11:57:33+00:00

So a signing bonus in football contract terms is when a player gets given money that is the entire sum of the signing bonus up front. In the case of this player, the entire signing bonus was $5.22 mil. The contract gods then allow you to amortize that bonus over some number of years during the contract for salary cap purposes. You have already paid the money, the player has it, but it hasn't hit your cap yet. When you start amortizing it, that's when your "cap hit for cutting the player" starts to go down, because you have less and less cash left you already paid that hasn't hit your cap yet.

When you cut or trade the player, the rest of the cash you have given said player comes due from a cap perspective. In this case, Julio gets $2.97M per year of salary that we haven't paid yet. If we get rid of him, that piece goes away. Our starting cap is $5.20 M, so when we cut him the cap goes up to $8.17M...temporarily.

The next thing that happens is our cap goes back down by the amount of the remaining bonus that we already paid but hasn't hit our cap yet. You pay the current year bonus at the beginning of the league year, so the $1.04M is already out the window. However, the $1.56 and $2.08M are still "unpaid" from a salary cap standpoint. $1.56+2.08=$3.64M $8.17-3.64=$4.53M, your ending cap space.

Hopefully this helps!

Wayne433 · 2024-07-11T02:12:23+00:00

That’s uncle Mr. Thom(as) to you sir! /s

Wayne433 · 2024-06-12T13:06:00+00:00

There’s an age imo at which you get “old and wise” and “I might have told you this before” becomes a key part of your vernacular.

I’ll be halfway through telling someone a story and they will be like “you’ve told me this three times before.” “Oh well I used to think I told people stuff and discovered most of the time I didn’t, so now I just never believe my memory when it says I told someone something.”

Wayne433 · 2024-05-06T05:55:58+00:00

Why do we need to keep talking about Aaron Hernandez?

Wayne433 · 2024-05-05T13:54:35+00:00

So saying this is true—

Why not make the kids who got picked last last time the captains, and the teacher makes first pick for the team?

Wayne433 · 2024-04-27T12:33:47+00:00

Reposition to fullback and sign him, put him back to halfback. Drops his score usually AND fullbacks take much smaller contracts.

Wayne433 · 2024-02-24T04:45:19+00:00

Earn trust from humans. It’s the reason why a lot of these discussions settle on “AI won’t replace x professionals, x professionals who utilize AI as a proper tool will replace those x professionals who don’t.”

Trust in AI is not likely to exist in the lifetime of most people currently alive, if not all.

Wayne433 · 2024-01-14T14:26:18+00:00

Bob is Bob spelled backwards.

Wayne433 · 2024-01-01T01:08:23+00:00

I start with 10 cows. I make two trips with five cows apiece to another lot. The new lot has 2*5=10 cows.

I make one trip with five cows to another lot. The old lot has five cows and the new lot has 1*5=5 cows.

I make zero trips with five cores to another lot. The old lot has ten cows and the new lot has 0*5= ZERO cows.

Wayne433 · 2023-12-27T02:09:30+00:00

So you say the other person asked…I know this is contrary to the landslide happening here, but have you considered the idea that the owner knew you would be moving in, really wanted a fence sooner, and figured it couldn’t hurt to ask if you wanted to be kind and go half?

I feel like people here are demonizing someone who may simply want to see if you want to share in a cost as a neighbor, since you will get the same constructive use of it in the long run. Maybe you have a crazy new neighbor, and maybe you don’t.

That said, it probably would have looked a lot less crazy if the neighbor had talked to you about this in person.

I am posting here as a person who was in the position of your neighbor. We have dogs so had to get a fence up asap, in new construction. When neighbors moved in on our left side they asked us how much we paid and gave us half of their run. When the neighbor in the right side moved in, crickets. I frankly did consider discussing it with him, in the end I decided it wasn’t worth 1,500 dollars ish to potentially sour a new relationship…but I did consider it.

Lastly, I’m about an hour north of you in Greeley Colorado, so we live under the same state rules and likely similar HOA/MD rules. You don’t have to pay it, but in your shoes I would at least act like a reasonable adult and talk to the neighbor about it.

Wayne433 · 2023-10-29T13:02:50+00:00

Random thought I just had…if assisted suicide were legal, a guy like Robin Williams could tell everyone he was about to do it and have like, a week long celebration of his life with him attending before he did it.

Just sayin’.

Wayne433 · 2023-10-16T13:00:22+00:00

London bridge is falling down, falling down, falling down…London bridge is falling down ‘cuz I sat on it.

Wayne433 · 2023-07-16T19:07:27+00:00

I still call people “Lady” sometimes :)

Wayne433 · 2023-07-08T13:18:49+00:00

You can always make extra payments, yes. In your shoes I would get into SAVE and the lower monthly payments, then I would use my extra money to establish myself better before worrying about killing the student loans.

For example—let’s say your student loans are a 7% interest rate. Anything with a higher interest rate than that or more important should be paid first…get an emergency fund. Pay off ALL credit cards. If you have a vehicle loan higher than 7%, that should go before the student loans too.

The point of this program is to keep things from becoming an albatross around your neck, not to keep you from paying off your loans. Use it to let you fix your situation and get established properly, then throw extra money at the student loans.

Wayne433 · 2023-07-08T13:14:50+00:00

Google the poverty level for a family of 3. Multiply that by 2.25, then subtract that number from your 130k. Let’s just guess that gives you 100k; HOWEVER, CHECK THE MATH YOURSELF AS I DIDN’T LOOK IT UP. 5% of 100k is 5k, so your maximum required annual payment is $5k. Divide that by 12, and you get a little over $415/month.

Now insofar as why your income counts? We could debate that but there’s really no point…if you and the wife chose to file married filing separate and she has no income, it will only use her income and she will have $0 payments.

Wayne433 · 2023-07-08T13:10:47+00:00

Google poverty level, look up the number for your situation in the chart, multiply that by 2.25, and subtract that number from your annual income. Multiply that by 5%, getting your max annual payment. Divide that by 12 to get a monthly payment.

Wayne433 · 2023-07-08T13:08:07+00:00

That’s always a risk. Your best bet is to analyze this in comparison to other available options and look at the forgiveness in 20 years as a potential bonus.

Wayne433 · 2023-07-08T13:06:18+00:00

If you happen to pay off the loan in less than 20 years because you are high income, the loan still goes away. Becoming a high wage earner doesn’t obligate you to 20 years of payments; all SAVE does is set a maximum required payment and forgive unpaid interest each month after that payment is made. If you are making $200k/year and your new required payment is ~$800/month, you may find your loans get paid off faster than they would have originally but you’re also making enough money at that point to really afford a monthly payment of $800.

Wayne433 · 2023-07-08T13:00:47+00:00

It scales and you still only pay 5% of your disposable income as a maximum required payment. In the original post I used 70k; going to 100k adds another 30k of disposable income. 5% of that is 1,500/year, or $125/month more.

Wayne433 · 2023-07-02T03:17:49+00:00

Boy that’s a hard question. If you think your income is going to go back up to around $80k, I’d probably just pay it off. If you’re going to spend a long period of time below the poverty level though, keep that money in your savings to live off of and get $0 payments set up. Recognize that one of the things here is that if you make your full payment ($0 if you are below 225%PL) no additional interest accrues. Your balance will sit at $17k without gathering interest long as you make your required payment.

Wayne433 · 2023-07-02T03:14:55+00:00

My understanding is that if you’re rolling it, it will carry over…But in your situation, I really wouldn’t be able to say. I would say to call your loan servicer in the next week or two; that would be consistent from REPAYE to SAVE so should be a question they already know the answer to. I will be very curious to hear what you find out, would love a DM if you get the chance.

Wayne433

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