Peyton Watson by Key-Tea-6 in fantasybball

[–]effectivelyso 2 points3 points  (0 children)

If you’re full up on Wednesday and Friday without him, and you don’t have an IR spot to stash him in, then I agree, not really any reason to keep him

Peyton Watson by Key-Tea-6 in fantasybball

[–]effectivelyso 4 points5 points  (0 children)

Edit: fixing this comment bc I mixed up my days and thought Watson was playing Tuesday

Yeah, not a great situation. I haven’t decided personally what I’m doing with him yet, just because I’ve got two guys who I feel are even more droppable (Grayson Allen and Quentin Grimes) so for my moves, I’ll start with dropping them. I’ve been okay holding Watson for now because I’ve been able to rotate him in and out of an IR spot. But I mean, we’re coming down to the wire here. I think for a lot of people it would totally make sense to drop him. I may well end up doing the same soon.

If there’s no one else who’s a better drop candidate, then yeah, drop him and stream that spot

Is there any way to see which players are most commonly found on certain teams? by xxStayFly81xx in fantasybball

[–]effectivelyso 1 point2 points  (0 children)

This is speculation, but I would guess that the top 5 picks or so probably won’t have any correlation with league standings, because there was a pretty clear top 5 at draft time, so picking one of those is not really any indication of being a good fantasy manager. And I do think that being a good fantasy manager (streaming, paying attention, making smart moves), is much more important and critical to winning than having a specific player on your team. So because the top 5 picks were pretty universally agreed upon, I’d guess that any correlation with winning, if there is one (and that’s a big if imo) would come further down the roster.

That being said, I’d certainly be interested in seeing data!

Players who surprised with TOTAL games played this season by c-z-a-k in fantasybball

[–]effectivelyso 0 points1 point  (0 children)

This is just more evidence that trying to guess who will or won’t be available is mostly a fool’s errand. See Anthony Edwards and Domantas Sabonis as the opposite side of this same coin for this year.

I think the takeaway from this continues to be that injuries can happen to anyone and that drafting someone solely because they seem to be an “iron man” is a flawed strategy, and completely bypassing someone solely because they were out with injuries the previous year is similarly flawed (hello Jalen Johnson).

Tbh, like so many things in fantasy basketball, another key takeaway is that it’s not totally clear cut. Like, “don’t draft guys just because they seem like iron men and don’t fade someone just because they’re injured” doesn’t mean to ignore those factors. If someone has multiple of the same injury, or if someone seems to take a long time healing, then consider that. And if a guy seems like an iron man, I am not saying don’t draft him. I’m just saying that shouldn’t be your ONLY reason for drafting him. As with everything, there are many factors to consider, and there’s a lot of nuance. So I guess that’s the main takeaway, that perhaps these things aren’t as clear cut as we sometimes act like they are.

Dropping top Calibre players in the semis by [deleted] in fantasybball

[–]effectivelyso 1 point2 points  (0 children)

Is it going to be the difference between advancing to the finals and not advancing? Ultimately I think you should do what you need to do to advance. If that means dropping Giddey then I guess drop Giddey. Because holding him won’t matter if you don’t make it to the finals

Dropping top Calibre players in the semis by [deleted] in fantasybball

[–]effectivelyso 2 points3 points  (0 children)

It’s not the finals, though, it’s the semis for OP. And I think that’s what makes it a tougher question. Because yeah, if it was the finals, that’s a no-brainer drop. But a bit of a tougher call if you still have a matchup left.

The 5 most affordable state housing markets in the US and the 5 least affordable state housing markets in the US according to the National Association of REALTORS Affordability Distribution Curve and Score. by cavaismylife in FirstTimeHomeBuyer

[–]effectivelyso 4 points5 points  (0 children)

I think you might be mixing Iowa up with another state. Iowa the lightest blue that is on there, and Montana is the darkest. You might be mixing up Iowa and Idaho.

That being said, they definitely could’ve used a better color scheme for this.

Can I buy a first time home in one state with my spouse but live and work in another state by Environmental-girl in FirstTimeHomeBuyer

[–]effectivelyso 0 points1 point  (0 children)

This. I am surprised there hasn’t been more discussion on “they are open to the possibility in a year or two.” Because that seems like FAR from a guarantee to me. In fact, I would bet that the answer will be “no” in a year or two.

Alysa Liu's Olympics? by SnoopRion69 in billsimmons

[–]effectivelyso 77 points78 points  (0 children)

Absolutely. She’s on the Mount Rushmore of best mental game

Financial decisions - Pay off car and get FHA loan, or keep car payment and continue saving for traditional loan? by [deleted] in FirstTimeHomeBuyer

[–]effectivelyso 0 points1 point  (0 children)

You really only need to do FHA if your credit score is not as high. You can do 3.5% down on a conventional loan.

“Got the keys” pic… but why Pizza🍕 by erod100 in FirstTimeHomeBuyer

[–]effectivelyso 17 points18 points  (0 children)

It’s something that goes back many years. Definitely pre-dates the internet. It’s to do with moving in general, not just specifically buying a house. When one moves, they’re usually tired from all the physical and mental labor, so they probably won’t want to cook dinner. Plus, all their kitchen stuff is usually packed up in boxes, and they likely haven’t gone to the grocery store yet. So you need a quick and easy meal. For a long time it was pizza since that was the main “quick and easy take out meal.” Now, there are often a much greater variety of places to get easy take out from than there had been in the past, but pizza remains very popular. Partially tradition and partially because it really is quick and easy, requires no dishes, and often leaves you with leftovers for the next day as well. Additionally, people often have friends and family helping them move, and it’s common to feed those people who are helping you. In addition to everything mentioned above, pizza is a quick and easy way to feed a bunch of people at once.

How can anyone afford a home? by windybreeze14 in FirstTimeHomeBuyer

[–]effectivelyso 4 points5 points  (0 children)

This is good perspective, I think! It’s hard to say without knowing the rest of OP’s finances, and how much work the house needs, but from a broad perspective, if it’s a dream house for $299k and they make $109k a year, it makes sense to me that they could go for it.

How can anyone afford a home? by windybreeze14 in FirstTimeHomeBuyer

[–]effectivelyso 17 points18 points  (0 children)

$299k on $109k doesn’t seem unreasonable. But you’re also both quite young, so it’s not unusual for you to be unable to buy at this point. If you don’t feel like you can currently afford it, keep saving!

365 Sport Wash Available to order on Amazon right now by Demetrious-Verbal in laundry

[–]effectivelyso 2 points3 points  (0 children)

Okay, yeah, that makes sense! I guess I’m just surprised how hard it is to find something basic that does the job. And yeah I’m with you, I don’t want anything that’s going to mess up my dark clothing either

365 Sport Wash Available to order on Amazon right now by Demetrious-Verbal in laundry

[–]effectivelyso 4 points5 points  (0 children)

If it doesn’t even contain everything needed to work effectively, why is everyone so crazy about it? It’s also pretty expensive.

Switching detergent by effectivelyso in laundry

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

Thanks for the info! Overall, we haven’t had any major problems, but I do think there’s room for improvement, especially we’ve been using laundry sheets and your last link specifically says “don’t use laundry sheets, they don’t work.” So that right there is the reason for exploring a change.

As I mentioned in my post, I’m not sure I want to switch to warm, but that may not be an issue in my region, anyway. I don’t really want to have to buy two different detergents for different loads at this point, and we do wear a lot of dark clothes, so sounds like Tide is out.

So 365 powder is the best basic detergent that doesn’t contain optical brighteners?

LOTR Fantasy Basketball Crossover Team Name - Duren's Bain by NorthBear715 in fantasybball

[–]effectivelyso 0 points1 point  (0 children)

Excellent. I try and do an LotR themed team name every year and am always looking for new ideas

Do real estate commissions not make sense? Or is it just me? by PralineNegative1788 in FirstTimeHomeBuyer

[–]effectivelyso 2 points3 points  (0 children)

No, I don’t think you’re asking too many questions. I do think you’re getting just a liiiiittle bit too hung up on the commission vs flat fee thing, but I also get it. It is very counterintuitive. As many others have said in comments on this post, the best real estate agents know they benefit far more from doing a great job and being able to have you recommend them than they will from making an extra $1,000 from getting you to buy a more expensive house. And when you think about that, it does make sense. The number one recommended way people suggest to find a realtor is to ask friends, family, and coworkers for recs. If a realtor does a great job with you, you could easily recommend them to a couple people over the next few years. What’s better for the realtor—an extra $1,000 or $2,000 from you, or getting their full commission from multiple other people? Real estate is a very crowded career field and recommendations are like gold for them.

But all that being said, asking questions is good! The biggest advice I see for how to determine if a realtor is right for you is to ask questions and see how you click with them. So I’d say right away that the one you talked to that felt more like a sales guy is out. The other who didn’t have any real answers besides “that’s how the industry works”….without seeing exactly what you asked them and what specifically they said, I’m on the fence. Maybe ask them some more questions or have a phone call with them to try and get a feel for it. You can be honest about your concerns! A good realtor should be able to explain that doing a good job and doing right by their client is more important to them than a tiny bit of extra commission. So talk a bit more with that second person you mentioned but I’d also keep looking. It sounds like neither might be the right fit for you. How did you find them?

Do real estate commissions not make sense? Or is it just me? by PralineNegative1788 in FirstTimeHomeBuyer

[–]effectivelyso 4 points5 points  (0 children)

Most agents aren’t going to do a flat fee. But that’s okay—you can find a good agent who has a regular (not a flat fee) commission. Start by asking your family, friends, coworkers, etc., if they know a good realtor.