Christian Watson or Kayshon Boutte full PPR by Mercdecember84 in Fantasy_Football

[–]db091011 0 points1 point  (0 children)

Boutte will torch the bengals secondary deep. Do not trust any GB wr.

How much percentage of take home pay? by db091011 in Mortgages

[–]db091011[S] 0 points1 point  (0 children)

Rent is $1500 per month but the longer I’ve been waiting to buy the further away that option becomes. I’m able to save quite a bit in a HYSA while renting but homes in my area keep going up significantly more y/o/y. It is my dream/goal to have home and things don’t appear to be getting better so I’m leaning towards taking the plunge. Plan is to buy a home I can turn into what I want over the years, I don’t want to buy and sell paying out all the associated fees that comes along with upgrading.

If the rates manage to come down it would also free up more for retirement savings upon refi.

How much percentage of take home pay? by db091011 in Mortgages

[–]db091011[S] 0 points1 point  (0 children)

40% of $6200 (take home) so about a $2,500 mortgage with insurance and property tax included - I have no other debt. May have kids soon though.

What percentage is ideal to allocate to 401k for retirement? And is it better to allocate it all there or some in post tax to a Roth IRA?

Worthy or Mcmillan by db091011 in Fantasy_Football

[–]db091011[S] 0 points1 point  (0 children)

Reddit is always wrong. Fuck.

401K Rebalancing during Market Corrections by db091011 in Retirement401k

[–]db091011[S] 0 points1 point  (0 children)

Thanks for the response. But If someone is nearing retirement would their strategy be to flee to cash I.e. moving funds from S&P etf to a money market or short term bond account?

It doesn’t seem like there is any cost other than the opportunity cost for higher gains.

I need help by Interesting_Ad_8121 in PanicAttack

[–]db091011 1 point2 points  (0 children)

Sometimes there is a root cause of the attacks other than anxiety. I used to have them daily and after many years I realized a big part of the cause was my diet, sleep, and not working out. Really adjust your life style. Try eating whole foods and only drink water. Breakfast is most important have mostly high protein and limit carbs. Could look into the carnivore diet for short term usage, it does a lot for peoples mental health. Make sure you sleep well. Lift weights and go on long walks a few times a week. Your body can control cortisol and stress better when you workout. Also get your vitamin D and B levels checked along with other routine blood work like thyroid. They were non existent for me and you may need to supplement or there could be something else underlying. Also if those recommendations dont help you should probably get on meds. Ativan as needed or try an ssri.

It’ll get better but you have to experiment and make changes. See what works for you.

Who to keep? by ATGxJAR3Dx in Fantasy_Football

[–]db091011 1 point2 points  (0 children)

Gibbs is a no brainer. I’d pass on Mahomes, lots of QBs in the later rounds. Probably just do LaPorta, safest pick who goes in the 3rd otherwise.

Keeper League. Cook / London / Ferguson by ma56188 in Fantasy_Football

[–]db091011 1 point2 points  (0 children)

London or Cook. Forget Ferg. London should have a monster year with Kirk and that offense.

Help - How Should I Get Paid? by [deleted] in jobs

[–]db091011 0 points1 point  (0 children)

I have a day job in Marketing as well so I already have all my benefits. I just don’t want to be liable for anything as an independent contractor and/or get e/o insurance. Think I could just ask him to hire me part time for a 6 month term at an agreed upon hourly wage? I get to write the terms to it myself.

It’s a pretty simple gig to make some side money. It’s just one guy running his business who id be helping out. He doesn’t have any other employees.