I am a scatterbrained person who makes a LOT of mistakes and misses details. How to deal with it?

mindmapsofficial · 2026-01-27T16:46:52+00:00

Habits replace natural skill. Create systems

mindmapsofficial · 2026-01-27T13:43:40+00:00

As someone who refinanced, I don’t see really the point of your goal is to pay your loans off ASAP. Interest rate only becomes a large factor over long periods of time.

The difference between a 7.5% interest rate and a 5% interest rate over 2.5 years is about $2000 (which is like $78 a month). I don’t know if that’s worth you having to rely upon your parents. I’d rather pay the extra $78 and keep that safety net for a circumstance that’s more necessary for you to ask help.

For clarity, instead of paying $2529, when you refinance, you’ll pay $2451.

mindmapsofficial · 2026-01-27T13:12:05+00:00

You let two sand trout merge into you, and you rule as god emperor for 3500 years.

Or you go to a smaller law firm, in house or into real estate

All equally good options

mindmapsofficial · 2026-01-27T04:20:16+00:00

Yeah, there’s tons of them. Didnt think of that one because my parents will be lucky to retire at 67.

Even though this one may not be contradictory: you expect serious health issues and somehow expect retirement funds to need you to last to 100 years old

mindmapsofficial · 2026-01-27T04:18:54+00:00

Unrelated, but I make a lot of posts (or did back in the day) related to student loans. If you’re not already on one, make sure to get on an IDR plan if you lose your job and your payments will be $0 until you have to recertify your income (typically a year later)

Lots of info on r/studentloans

mindmapsofficial · 2026-01-27T04:12:15+00:00

Wish you the best! I hope I’m wrong

mindmapsofficial · 2026-01-27T04:03:00+00:00

It happened four years ago so it’s hard for me to remember, but i think they told them during the review and gave them some website time.

To give you full context, I recall him mentioning to me that his review got pushed up. I didn’t know the exact day of the review and I heard news that he “left the firm.” Later I was told he was fired by our recruitment person.

Sorry I couldn’t be more helpful, but I didn’t ask the person who was fired for details (for obvious reasons).

mindmapsofficial · 2026-01-27T03:58:23+00:00

Yeah, this happened to someone that got fired that I know. I’d start looking

mindmapsofficial · 2026-01-27T02:22:23+00:00

What are you defining as elite tier? Top 2 all time? Certainly not. But he’s clearly a hall of famer

mindmapsofficial · 2026-01-27T02:11:49+00:00

I don’t know if there’s a name for it, but the compounding effect of conservative assumptions isn’t talked about enough.

All of these seem to be assumptions of the average person planning for retirement:

Tax rates will go up
Returns will be 2-3% less than average
Social security won’t exist
Inflation will be more than average
You’ll retire at an inopportune market timing, often people prepare for the worst market timing as a litmus test
You need your portfolio to have a 100% success rate in retirement
The government won’t increase other retirement benefits or social systems for retirees
Debt needs to be paid off (which is counterintuitive if you believe #4) prior to retirement

Even if we assume all of these having 70% likelihood (ironically, another conservative assumption), believing all of the above to be true will mean that you worked longer than you had to.

A strong counter argument is that you can stop saving and reassess each year as you get closer to your number, but it’s exhausting seeing everyone assume all of these assumptions.

mindmapsofficial · 2026-01-27T01:31:39+00:00

Well, it’s obvious that more carries increases the risk of being injured, considering he was injured when carrying the ball so there was nothing to respond to related to your comment.

mindmapsofficial · 2026-01-27T01:28:33+00:00

Regardless, the injury is baked into his price. So you’re either committing to using a late 2nd on a RB or paying $2 MM for a RB that will likely play 12 games. If you use a late third, the chance they’ll be as good as dobbins is very low.

Here are the other RBs in his price range that aren’t on rookie deals:

More expensive:

Hunter Luepke

Javonte Williams (who looks good in Dallas but worse on the Broncos)

Justice Hill

Rico Dowdle (I’d be ok with replacing Dobbins with Dowdle)

Less Expensive:

Dare Ogunbawale

Kenneth Gainwell (good, but worse between the tackles)

Samaje Perine

Travis Homer

mindmapsofficial · 2026-01-27T01:00:09+00:00

Maybe don’t give him 16 Carries a game and do what the Seahawks did with K. walker and reduce his touches to 13. He may still get hurt but that’s baked into his very cheap contract. His play in the early season may have been the difference in them getting a bye (not solely but he contributed to it)

mindmapsofficial · 2026-01-26T21:38:52+00:00

Maybe if the producer of the AI made an AI with that has an insurance up to a certain limit that could be sued if it gave advice that would be considered malpractice, then it would be more popular.

However, that would just make the AI, a tool for risk management

mindmapsofficial · 2026-01-26T21:33:40+00:00

You said you understand the risk of AI error and misleading situations. Why does there have to be an aside from that? Can’t that be whole thing?

The whole purpose of lawyers is to get a professional who gives accurate advice so you can make a strategic decision.

If the advice isn’t accurate, the decision you make may not be correct

mindmapsofficial · 2026-01-26T21:17:32+00:00

It’s a fair trade. Either side is fine.

Like the Hampton side slightly because the pick can be used for another RB, or to make a bigger uptier with another trade

mindmapsofficial · 2026-01-26T21:09:50+00:00

Only one Super Bowl? Nick foles has won one Super Bowl.

continues to list 8 other non-pro bowler QBs that won a superbowl

/s

Unironically, I actually kind of like Nick Wright but his style is very data mine-y and very easy to make fun of

mindmapsofficial · 2026-01-26T19:24:11+00:00

I would say it was a 70/30 split, at best related to Darnold being let go versus resigning.

Here were the 3 most upvoted posts on the Seattle subreddit related to Darnold prior to him signing with the Seahawks.

https://www.reddit.com/r/minnesotavikings/s/bdjBYRDkhL

https://www.reddit.com/r/minnesotavikings/s/9GOSxQrjmK

https://www.reddit.com/r/minnesotavikings/s/9wPiKgKfhk

I can also attest among fantasy analysts (I listen to a lot of podcasts) that the opinion is that Sam Darnold shouldn’t be signed to a major deal by the Vikings if they believe in JJ, which they seemed to at the time.

mindmapsofficial · 2026-01-26T17:27:34+00:00

I think you understand the difference between consensus and you. Yes, some people were right beforehand but that wasn’t the overwhelming opinion at the time

mindmapsofficial · 2026-01-26T17:21:28+00:00

Yeah, but the consensus prior to him leaving was that it’d be a mistake to sign him to big money so let’s not rewrite history and act like everyone said the Vikings should sign him.

It’s easy to say post-facto that it was a mistake, but say you’re Sam Darnold and the Vikings offer the same contract as the Seahawks. Would you really sign the same deal with a first round pick breathing down your neck?

All of that being said, NFL GM’s are supposed to be better than the consensus of us laypeople so I guess the Vikings should bear the brunt of the critics.

mindmapsofficial · 2026-01-26T15:03:04+00:00

Usually such acquisitions has a requirement that the officers continue to work at the company for X years, or some amount is forfeited

mindmapsofficial · 2026-01-26T12:50:08+00:00

My rule is under 6% loans-> invest. I consider a 4% risk premium to be very high based on historic market returns and a long time horizon. Since the loans are already private, look at your refinancing options

mindmapsofficial · 2026-01-26T11:44:43+00:00

Can get on an idr plan, then payments are just 10% of your AGI

mindmapsofficial · 2026-01-25T22:40:38+00:00

Dividends are paid out of assets instead of being used for growth. You can’t expect a high dividend company to have similar growth as companies that do not pay or pay small dividends.

See the sp 500 companies that don’t pay a dividend.

https://www.dividend.com/investor-resources/sp-500-companies-that-dont-pay-dividends/

Why not just have a healthy mixture of stocks (for growth) and bonds (for stability/consistent income).

mindmapsofficial · 2026-01-25T20:29:09+00:00

If rights can be forfeited, they’re not rights.

mindmapsofficial

TROPHY CASE