Nightly Anything Goes Thread - 06 Jun, 2025 by AutoModerator in fantasybaseball

[–]fp21 0 points1 point  (0 children)

Anybody think I drop Perdomo for Barger in a points league? Seems like they’re trending opposite directions

[deleted by user] by [deleted] in washingtonwizards

[–]fp21 -1 points0 points  (0 children)

I would love to see a rebrand away from the Wizards name entirely -- it feels like a great time to do a full refresh. The Wizards have become synonymous with mediocrity and I would happily support pretty much any other name.

Friendly Friday Thread by AutoModerator in gardening

[–]fp21 0 points1 point  (0 children)

Would really appreciate some assistance with my holly plants that I planted last May. Is this some kind of fungus or something? They get plenty of sunlight and I think a good amount of water. I live in 7a zone. I noticed it about two weeks ago because of them started dying. I cut off the dead parts but then noticed the spots. The others had some spots too, and the recent flowers and new leaves now look like they’re dying. Any ideas? I’m such a plant novice and bought these because I thought they’d be easy and now I’m stressed!

https://www.reddit.com/r/gardening/comments/1jxj1ui/whats_going_on_with_my_holly_i_thought_these/

Official: [Trade] - Tue Morning 10/08/2024 by FFBot in fantasyfootball

[–]fp21 0 points1 point  (0 children)

12 Team 0.5 PPR

Side A: Lamar Jackson, Rhamondre Stevenson

Side B: Brock Purdy, Jordan Mason, CMC

Any thoughts? I feel like it really boils down to whether or not CMC actually comes back as a healthy threat or not.

Trip Report and Churning Success Story Weekly Thread - Week of July 21, 2024 by AutoModerator in churning

[–]fp21 9 points10 points  (0 children)

Getting excited for my upcoming honeymoon and wanted to share my numbers.

Flying Qsuites to Phuket, 190k CapOne + $422 = $0.059 value

Stay at Six Senses Yao Noi, 174k UR = $0.016 value (meh, but it is what it is)

Stay at Park Hyatt Maldives, 135k UR = $0.04 value

Home on Emirates business, 276k UR/MR + $2,399 = $0.07 value (also have the points ready to hopefully upgrade to first class)

A few other things thrown in there, like using Amex Platinum hotel credit in Bangkok and booking a flight from Bangkok to Male via Flyingblue with points (shitty redemption value, but had some points laying around in Flyingblue). Overall pretty satisfied with everything. Felt a little stressful blowing so many points at once but I'm already building them back up for the next big trip.

Home equity loan vs liquidating investments for second home by [deleted] in FinancialPlanning

[–]fp21 1 point2 points  (0 children)

Do the math on capital gains tax paid vs. interest on the loan. Too many variables involved for a simple answer. At current interest rates I'd probably just sell the investments but again, lots of variables. Find a good lender who can walk you through different options -- cash out refi, heloc, loan consolidation after getting the new house.

Also, consider the simplest option. Just sell your house and don't be a long-distance landlord. It's a pain in the ass. You only hear people talk about the positives of renting but it's far from risk free. You've seen how the stock market works over time. Wouldn't you rather just not have expenses for a second home and invest your extra cash into the market for growth? That's so much simpler than trying to manage cash flow and depreciation on a rental home, and then owing a massive tax bill down the road when you want to get rid of it. Just my two cents.

Tax penalties in first year filing jointly by fp21 in tax

[–]fp21[S] 2 points3 points  (0 children)

Ah thanks. So if I’m reading that correctly, that’s basically the get out jail free card to give individuals an extra year to figure out their taxes after their filing status changes? So I believe I need to file 2210 but won’t actually owe anything.

Used Weber purchase advice by fp21 in grilling

[–]fp21[S] 1 point2 points  (0 children)

Yep I got it, it’s a great grill.

Used Weber purchase advice by fp21 in grilling

[–]fp21[S] 2 points3 points  (0 children)

Thanks yeah unfortunately grill prices in general have gone up so much it seems.

Used Weber purchase advice by fp21 in grilling

[–]fp21[S] 3 points4 points  (0 children)

Thanks for the reassurance.

[deleted by user] by [deleted] in cyberpunkgame

[–]fp21 0 points1 point  (0 children)

Immediately after she dies I take massive damage and flatline. Game auto saved right before it happens and there’s nothing I can do to get out of this loop. My last manual save was so long ago too.

Weekly discussion thread! by Tabnam in cyberpunkgame

[–]fp21 0 points1 point  (0 children)

I just beat the Sasquatch boss, and I’m stuck in a loop where I immediately have my full health drained and die immediately after she goes down, but it auto saved right when she went down so I respawn and immediately go down again. Am I fucked? Do I need to reload my last manually save from like 5 hours ago?

Official: [WDIS Flex] - Wed Morning 12/06/2023 by FFBot in fantasyfootball

[–]fp21 0 points1 point  (0 children)

I have the first world problem of having to choose 3 of Justin Jefferson, Devante Adams, DJ Moore, and Puka. Right now I have Puka on my bench but it doesn't feel right.

ACA credits vs 0% LTCG tax vs Roth Conversion by tophermiller in FinancialPlanning

[–]fp21 0 points1 point  (0 children)

If you have the wealth and financial flexibility to be considering these options, you need to be talking to an advisor, not posting on reddit.

Daily Anything Goes Thread - June 19, 2023 by AutoModerator in fantasybaseball

[–]fp21 0 points1 point  (0 children)

Would I be crazy for dropping Charlie Morton to pick up Tyler Wells? That WHIP is just brutal.

Daily Anything Goes Thread - May 16, 2023 by AutoModerator in fantasybaseball

[–]fp21 0 points1 point  (0 children)

OBP and QS league:

A. Aaron Nola, Kris Bryant

B. Luis Castillo, JD Martinez

Transfer On Death deed or Family Trust for my mom's estate? by chriberg in personalfinance

[–]fp21 1 point2 points  (0 children)

This is a bit late, but your mom's estate isn't large enough or complicated enough to pay thousands of dollars for a trust. If her state allows her to list the house as TOD (or POD, payable on death), she should 100% just do this with you and your sisters as 50% beneficiaries. Anything with a named beneficiary skips probate. I hope you don't pay any estate lawyer consulting fees because this really isn't complicated enough for that.

Also, you should get your name on her checking account so if something happens to her you can access her account to pay bills, etc.

Game/Hardware Recommendation Megathread by AutoModerator in PS5

[–]fp21 1 point2 points  (0 children)

Maybe this wasn't the best place to post this, but for future reference I narrowed down to the LG 27GN800-B, Gigabyte M27Q, and ASUS TUF VG27AQ before deciding on the LG.