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I am 39 years old (today!), working in retail data analyst and make $86K ($330K joint HHI) in Long Island, NY

2020.09.30 04:29 allumeusend I am 39 years old (today!), working in retail data analyst and make $86K ($330K joint HHI) in Long Island, NY

I apologize in advance if this is too long! I clearly inherited the gab.
Section One: Debts and Assets
Retirement: $238K, with the majority in 401(k) and $16K in a Roth IRA. Joint total retirement savings with my husband’s accounts is $480K. We are a bit behind where we would like to be; my husband didn’t have access to retirement through work for nearly a decade but we were income limited out of a lot of options. Neither of us has a match thru our employer; his company doesn’t offer one and mine just cancelled ours as a result of the pandemic.
Home Equity: $344K. We bought our home five years ago.
Mortgage: $351K.
Savings Account Balances: $108K. This is sitting in a Marcus HYSA and is across all our accounts. We keep an emergency fund of $60K and the rest are all in dedicated sinking funds for vacations, Christmas presents, home updates etc.
Brokerage Account: $146K, mostly in ETFs.
Robinhood Account: $4.7K. I split this off since I use this basically as my savings for one big frivolous purchase a year. Right now, the plan is to use this for my next luxury handbag.
Checking: $3K currently. We keep minimal amounts in checking.
Credit card debt: None. We put nearly all expenses on our rewards cards for the points and pay off bi-monthly.
Student loans: None. We paid off all our student loans 8 years ago!
We recently received a $40K inheritance from the passing of my husband’s aunt—we invested $10K of it and donated $2K of it (so far) to charity. The remainder of it is sitting in our HYSA while we figure out what to do with the rest, particularly what charities to send more money to.
Section Two: Income
Income progression: I have been working on the corporate side of retail for 14 years. I originally started in allocation and planning before moving into a strategic planning role, doing client and pricing analysis. My starting salary was $42K in the Midwest. We relocated to NYC after he graduated, and I took an allocation job for an accessories brand here in NYC for $52K. I stayed at that job for three years—two years too long—where I unfortunately cycled through 8 bosses without ever changing jobs or roles. None of them lasted more than a few months before leaving. That made it impossible to get promoted; no one stuck around in charge of our team long enough to ever get to know anyone long enough to recommend a promotion.
It was incredibly demoralizing and staying there after boss #4, starting to see the pattern, is my single biggest career regret. It absolutely set my career back having been complacent, not knowing my worth, and not leaving for a promotion earlier. I was at my next job at a mega big brand for 6 years, starting at $57K and worked my way up through several positions before finally leaving to completely change focus into analytics 4 years ago. That job came with a 20% raise to my current salary. Unfortunately, my current company has been underwater the entire time I have been here and is in serious trouble in the midst of Covid, which means salary freezes, delayed or no bonus, and no chance of promotion. I spent four months on unpaid furlough during this time. I have never received a raise in the four years I have been here.
My paycheck: $2.6K after deductions and taxes. I max 401(K) and HSA, plus $460 a month for insurance. Deductions are far higher right now because of the four month furlough; I am still trying to get to the max for the year on far fewer paychecks, and I also have to pay back a portion of my health insurance from during the furlough. I also over withhold taxes to cover any interest income for the year from savings and investments.
My husband’s paycheck: $20K a month. He is a junior partner at a small law firm. As a partner, he is considered self employed and taxes are not withheld from his pay; we pay quarterly. We put this money aside each check to do so after he is paid.
Section Three: Expenses
Mortgage/Escrow: $3250. It is Long Island, so our monthly contribution to escrow for taxes is actually quite a bit higher than our mortgage, even with annual grieving.
Taxes: $6500, to cover my husband’s income taxes, self employment taxes and both sides of FICA.
Savings: $900 to sinking funds. We are heavy on cash right now so we are not contributing further and directing all spare cash to investments. We save for vacation, Christmas and home improvements each month.
Investments: $2000-$2500, depending on how spend-y we are in a month.
Cable: $198
Phone: $200 (for three lines and my Apple Watch)
Electric: $100-200 right now depending on AC
Water: $150-200
Gas: $10-25 (since it is not winter, the electric and gas flip)
Car payment: $379 (one car under lease, one paid off completely)
Insurance: $120
Gas: $25-50
Prescriptions: $50
Streaming (Netflix/Hulu/Disney +, uggh, Peacock): $55
Landscaper: $200 (we are both too lazy and too busy to mow our own lawn/garden and will freely admit it)
Hair color: $200-ish. I am adding this as its own line because I actually budget for it even if it seems frivolous . I went prematurely grey by the age of 25. My hair is completely white and I get my hair colored every three weeks because that is when it becomes extremely noticeable except during the pandemic, which grey ombré became the hot new look around our house. I did not get my hair colored during this week and it felt like cheating if I didn’t include this typically planned expense.
Charitable Giving: $800. We donate $50/month to the following: Stonewall Community Foundation, Christian Appalachia Project, our local food bank, Give Directly (which literally just gives people in need money with no strings), and Heifer International. We also donate $400 a month to a charitable trust we set up to build towards a large scale gift in the future, and donate throughout the month to causes as they come up. Annually, we give $2K to a theater company we are on the board of governors for, $1K to my husband’s former high school, and $500 to our college alma mater. We are trying to ramp up our giving even more each year.
Money Diary:
Tuesday (Spent = $80.55)
8am--drag self out of bed, make myself a coffee with pumpkin spice oat milk and pack up a bag of food for my husband J. He worked one week in the office and one week from home and has a mini fridge, so I always send him in with a bunch of snacks in addition to what he brings in for lunch so he can minimize the amount of time he is out inside of his own office and stay socially distant.
9am--log in to work and discover a software issue is keeping me from getting anything done. Spend next hour on the phone working to get it fixed while wanting to bang head against the table.
10am--back to back meetings. Turn off video during the meetings so that I can eat some left over stirfry and not look silly on camera.
2pm--finally off Zoom and take a minute to go the NYS DMV site and renew my drivers license. ($80.55; why such a weird number NY?)
3pm--buckle down for several hours of analysis. Endless spreadsheets.
6pm--take a break to take a walk around the neighborhood. Listen to Pod Save America and count squirrels--is 51 squirrels over a one mile walk too many squirrels for one neighborhood? Get home and make two nights worth of dinner since I already know tomorrow night will be insane. Double batch Chicken parm pasta with broccoli.
7pm--Eat my dinner as J finally gets home. Settle onto the coach and turn on Netflix to watch Parks and Rec while I work.
1am--Finally pencil down and lights out.
Wednesday (Spent = $0)
7am –wake up and lay in bed for a while. Submit my answers for the last day of Learned League and sign up for next season. I have a feeling I am getting booted out of the top Rundle based on my poor performance this season (I am currently on the bubble). Score a 5 of 6 and hope that my opponent knows nothing about country music.
7:30-get ready for the day and make myself some coffee. Make a note that I need more pumpkin spice oat milk. Sign into work and start re-pulling my analysis from yesterday with the updated client data.
9am—turn on MSNBC to watch the memorial services for RBG at the Supreme Court while working through the start of my client deck for tomorrow. I have a frustratingly large amount to do today, like almost all Wednesdays.
11:30 am—take a short break to Slack with my only other team member with some complaints about our boss and the recent changes in our roles and responsibilities (our entire team changed roles altogether as part of the reorganization of the company.)Considering how bleak the job market in retail (even on the corporate side) is right now, we are both nervous to complain to anyone about how poorly this change is going for our team.
12pm—take a walk around my usual loop in the neighborhood and make a bologna sandwich. Get changed out of my pajamas (yes, I walked around the neighborhood in them, don’t judge) and put on make-up for my Zoom calls this afternoon. Throw on my headphones and plow through as much work as possible before meeting with my manager.
2pm—meeting with my manager to review the breakouts for tomorrow’s meeting. Always a frustrating experience because she interrupts me constantly to berate me for not doing something or analyzing something that was literally in the middle of explaining to her.
3pm—Take a half hour break to clear my head after my meeting before resuming work on my presentation deck for tomorrow.
6pm—take my evening walk while listening to some football podcasts (reviving my anger at NBC for moving EPL to Peacock Premium!), take a long hot bath with Epsom salt, foam roll my bad shoulder, and come back and eat leftover chicken parm for dinner with a small salad.
8pm—resume working on presentation for tomorrow while watching Parks and Rec in the background. Considering the possibility of a block of pure sugar like NutriYums would be really useful. Throw some laundry into the machine as I go and sip on a Montauk Pumpkin Ale.
10pm—J. arrives home from work and fills me in on his day. He will be at work late again tomorrow but we make plans to go out as soon as he is home to kick off my birthday weekend. He heads to bed after our short chat.
12am—wrap up work for the night and head finally head to bed. It will only be a brief reprieve.
Thursday (Spent = $0)
5am—get up and get right back to work, copious amounts of coffee in hand—this insane crunch is every Wednesday and Thursday for me. Put on make-up, get dressed and presentable for Zoom about 20 minutes before the call starts.
8:55am—Presentation is cancelled five minutes before it is supposed to start. Grumble... Decide to go for a morning walk since I have already been up and working for hours. Tune into NPR and scroll the Athletic and the NY Times as I walk.
9:30am—email our senior staff on whether they prefer to receive my presentation deck in lieu of the meeting or if I schedule something off cadence. I don’t really expect to hear anything—the same meeting was cut off last week before I presented and they didn’t respond. Really makes me feel valued (that is sarcasm.) Re-organize my schedule for next week and set up process calls with my cross-functional partners..
11am—all company all hands meeting, filling us in on the status of the company’s reorganization. I am just trying to hang on for retail to get better and make it to the period when all my deferred compensation (and retention bonus for staying through the reorg) can be paid out to me at this point.
12pm—weekly meeting with my team member L.. We each cover one silo of the business and this is where we share what is going on to see if there is anything global and coordinate joint projects. FIll her in on an ongoing legal issue impacting our work in detail since she hadn’t heard the details.
1pm--resume work for the rest of the day. There is still too much to do and no time
6pm--talk my evening walk (only 21 squirrels today, still seems like too many), heat up leftover chicken parm and noodles and get back to work--I always try to get ahead of the next week but it is always impossible because the pile of things undone just grows.. J. doesn’t get home from work until 9. We turn on Netflix while I keep working until I am basically dead.
1am--pass out on top of my bed without brushing teeth.
Friday (Spent = $175)
10am--I have the day off today since my birthday is coming up and yet it still doesn’t seem like enough to make up for the rest of the week. J is home all day and decides to eat breakfast outside and play video games for most of the morning. Today is payday for me, so I add an extra donation to the local food bank for the month. ($50)
12pm--lunch a small lunch of fancy cheese and sausages while J watches me play the Sims. I find running the lives of my fake family very soothing after a long week.
3pm--take a very long walk with J around the big 4 mile loop in our neighborhood. My bad knee aches by the time we get back and we resume vegging on the couch but decide that we can crack a beer since it is already the weekend for us.
6pm--shower and get ready for the night. We decide to go to a local restaurant for dinner. Since we basically never leave the house anymore, I dress like a peacock whenever I do now--I wear a fully sequined midi skirt with a bright purple oversized sweater over it and cat eye eyeliner since eye make up is the only makeup now. Nice change from sweatpants all day.
7pm--Sit outside several tables from the next guests at the local Irish pub. We love to listen in on other people’s random conversations and the other people are on fire tonight--one girl claims she is only allergic to high fat foods and the only guy at the table is wearing a MAGA hat and claims that he knows that a local bar is involved in sex trafficing..so pretty standard Long Island people watching. Dinner comes to $80 with 100% tip because we had our favorite waiter tonight.
9pm--we stop in a small biergarten that is on the walk home. The bar attached to it is always packed over capacity with people (maskless) but since the weather is cooler, we are one of only three sets of people sitting outside. We order a few rounds of pumpkin beers and talk until they close. ($45 with the tip)
11pm--bedtime
Saturday (Spent = $195)
8am--get out, get caffeinated and hop in the shower. We are meeting a friend in NYC for a goodbye brunch--she is moving across the country and we haven’t seen her once since the lockdowns started in March. Wrap my hair up to towel dry for a bit while I do a little cleaning.
9am--spend over an hour blowing out my hair and getting ready and we start the drive into Queens. I am wearing a black and white polka dot maxi dress and bright green glitter eyes.
11am--arrive in Astoria, park the car and make the long walk to the rendezvous point. I haven’t crossed the city limits since Covid started and it feels weird to walk around the neighborhood I used to live in while everyone is wearing masks.
12pm--meet up with A. at brunch spot. We have to wait for a few, and service is slow but we order way too much food and way too many drinks and talk non stop. I am really going to miss her so much. We pick up the check ($175 with tip)
5pm--We walk A back to her apartment and say goodbye. I insist on a hug, social distancing be damned, because I don’t know when the next time I will ever see her. J and I are still a bit tipsy from the drinks, so we walk to Astoria Park to watch people and sit looking out at the city as the sun sets before driving home. I missed that place.
7pm--go to Taco Bell drive thru for a giant sack of hard tacos on the way home ($20). Turn on TV and chill for a little bit while trying to finish our Parks and Rec re-watch before it leaves Netflix.
11pm--Lights out.
Sunday (Spent = $797)
9am--wake up slightly hungover. Definitely didn’t drink enough water yesterday. Go downstairs to find my husband has already made coffee for me with creamer and sugar.
10am--decide to do some online shopping. We broke our toaster (only took 16 years for it to bite the dust) so I order a new one from Macy’s ($200.) Glossier is having one of their rare sales (plus 10% cash back on Rakuten!) so I stock up on multiples Brow Boy and mascara while I can get a discount and decide to throw a bunch of their liquid eyeshadows in my cart to try out ($285, ouch). I order my weekly groceries for delivery from Freshdirect--this week is a big week. Stock up on more pumpkin spice oat milk (because I am a basic fall bitch), almond milk, veggies, chicken breast, yogurt, some quick premade freezer meals and a ton of fridge packs of Coke Zero since my husband is WFH this week and he drinks this like water all day ($212 with 25% tip)
1pm--Watch J play video games for a few hours while I clean. Set up a fundraiser on Facebook for my birthday to support IRC and donate $100 to get the ball rolling.
5pm--Log into work. No rest for the weary--my normal presentation has been pulled up a day which is a big deal considering the time we spend doing this analysis and when the data becomes available for us.
8pm--stop working and make flank steak and mashed potatoes for dinner. I try to rush the mash and fuck it up. My grandmother is rolling in her grave, cursing me in Irish for this mistake. Get right back to work as soon as I am done eating, but crack open a bottle of wine and turn Parks and Rec back on in the background.
11pm--Bedtime!
Monday (Spent = $0)
5am--get up, take a shower without washing my hair, get ready and get caffeined. J is home this week and we take a walk before starting work.
7am--log in to work and get cracking. The vast majority of the data I need for Wednesday didn’t become available until today so I know I have a hellish ride ahead of me. Pull, pull, pull.
11am--first meeting of the day. Get asked to urgently pull one of the things I was going to prep for Wednesday for literally as soon as humanly possible today. There will never be enough caffeine.
12pm--TB with the manager. She yells at me for not having “anything at all done.” She ignores when I point out that due to our three day processing window that today is literally the first day a huge chunk of this could even be started. Questions one of the reports that she herself built and tells me that I must have “messed up the formulas.” This is the first time I had to pull this, previously called out that things looked off and was told to not touch anything at all.
2pm--next meeting. Get another “need this yesterday” request from the manager. Does not provide any context so I have to contact several people myself and find out that she misstated the request.
3pm--I have checked the report (plus all previous versions of the file and all of the versions of it that she built for the other brands) and every last one of them is wrong in multiple places. When I bring this back to her, she does not acknowledge the mistake in any way and still claims I “changed it”--which doesn’t explain why the same report is wrong for the other business silos.
4pm--back to my actual work. FInish the urgent request and send it to the manager to approve as required. She argues that none of this is needed and I should not send. This was directly requested by senior leadership so no,I am sending it to them. Refuses to approve. I send it anyway and forward the communication between my manager and I to HR.
6pm--Office 365 crashes. What a disaster. Regain access at 8pm and resume work.
8pm--eat can of Spagetti-O’s while working..
11pm--finish second urgent request. Keep working.
2am--nowhere near done but I need to sleep at some point..
Tuesday (Spent = $56)
6am--Happy birthday to me. Did I even sleep? Am I even awake? J kind enough to make me espresso with our moka for extra caffeination this morning. Read the newspaper and chat with J for a while with J.
7am--check email to find multiple emails of praise for my work on the project my manager didn’t want to pass along. Manager chimes in trying to take the praise because of course she did. Answer follow-ups.
8am--start working on the presentation deck for an early meeting tomorrow. Urgent project will not be included because it was essentially covered yesterday and there is no new data.
9am--TB with the manager. She is furious that I sent along the urgent project. I record all Zooms with her due to our ongoing conflicts. Point out to her that literally an hour ago she was trying to take credit for that work that she hated so much. Manager hangs up on Zoom.
10am--resume working on decks. Pinged by co-worker with a few questions and take some time to answer them and commiserate over how we both need to GTFO out of here. Back to back meetings, then back to work.
4pm--Second TB with the manager, who is ready to go to the mats and comes out swinging at me. Presentation is not even discussed. I am extremely candid about how disappointed i have been in her since returning from furlough--she has ignored calls, stolen work, blamed others for her mistakes, barely engaged with the junior team members (leaving it to me to manage them essentially) and that she still has not provided clear roles and responsibilities for what the team should be doing since our team was restructured. I am very clear that I am extremely frustrated as it is clear she has no intention of developing people, promoting people, or even setting people up to be successful because she is not willing to listen or change, nor even set a good example as a leader. By the time we finally get around to my work, she says she doesn’t want to see it anymore.
5pm--log off for a while. Husband goes out to get beer and snacks for the debate while I cry. ($20)
6pm--My parents got me flowers for my birthday and they just delivered them, sob some more but at least for a different reason. Call them to thank them and my mother uses some classic Irish profanity regarding my boss.
7pm--order pad thai for dinner ($36 with tip.) Tune into the pre-debate coverage, edit MD and cry some more.
9am--debate kicks off, log back into work and finish my presentation while seething from eight kinds of anger.
12am--Finally bedtime.
Total Spent = $1303.55
Food/Drinks = $376
Groceries = $212
Charity = $150
Shopping = $485
Other = $80.55
(Hopefully I didn't miss a sum in there, it's been a week and it's only Tuesday...)
This is definitely a very very spendy week for me, between the goodbye brunch, the birthday spending and everything else. I had intentionally selected a week where I knew I would spend a lot of money just to see how much it would be at its worst. I am not surprised that the majority was concentrated on the weekend--I don’t really have time to spend money during the week since I am too busy!
When I look back at this diary, the first thing that I am struck by is how much I really need to leave my job. It is really easy to be mad in the moment and then decide to plow through because you need the money or the health insurance and thus you normalize the misery, but it was terrifying to see how many hours I managed to put in during a four day work week, and how much chaos my team really is in. There is no way a person can live like this without an eventual collapse. This is just reinforcing that I need to focus on finding a new job and making that my highest priority. It is making me miserable--I am not sleeping, I have gained a crazy amount of weight, and my body constantly hurts because all I do is slump over a desk all day. I dread when I have to add my two hour commute back into the mix.
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2020.09.30 02:07 InAingeWeTrust Sports Illustrated NBA Draft Big Board (only including big men)

*I have copied and pasted the description of player listed as Power Forwards and Centers among the top 60 players from this big board.*
3. James Wiseman, C, Memphis Freshman
Height: 7' 1" Weight: 245 Age: 19 Previous Rank: 3
As a seven-footer with plus physical tools, an ideal frame, and room for growth in the skill department, Wiseman checks some key boxes that still matter in the NBA, despite the fact all but the best centers have been somewhat devalued. Investing in him as a top-five pick, in essence, requires belief that he ends up in the upper echelon at his position. He played just three games at Memphis before an NCAA suspension led to his eventual exit. Wiseman’s size will almost certainly make him a defensive deterrent in the paint, he’ll run the floor and rebound, and should be competent finishing around the rim. He has potential to shoot but will need to take a huge leap in skill to be worth playing through on offense. Still, there’s an attractive production floor here, and Wiseman is probably going to be a productive, starting-caliber center, if not a franchise-altering star.
5. Obi Toppin, F/C, Dayton Sophomore
Height: 6' 9" Weight: 220 Age: 22 Previous Rank: 10
Toppin’s stock has risen to the point where he’s essentially a lock to go top-five, and he’s viewed as more of a sure thing in a relatively thin lottery class, with some teams willing to overlook his age and prioritize the here-and-now offensive contributions. Keeping perspective here is important—Toppin needs to add lower body strength and doesn’t move all that well laterally, which may eventually lead to him getting hunted on defense. He’s going to be more of a face-up big than low-post scorer, and his continued ability to hit corner threes and finish at a good clip is essential to his long-term success. Toppin is probably best off at power forward alongside a defensive-minded big. But there’s a good chance he’s ready to contribute immediately, and if everything translates, he could certainly justify an early pick.
8. Onyeka Okongwu, C, USC Freshman
Height: 6' 9" Weight: 245 Age: 19 Previous Rank: 8
Okongwu is ready to help an NBA team right now from a defensive standpoint, and teams generally view him as a winning player, thanks to a strong understanding of his role and willingness to do the dirty work inside. He runs the floor well, covers ground defensively, and was consistent all season for a USC team that sorely needed it. Okongwu lacks elite size and length for his position, but that should matter less as the league trends toward smaller lineups. Taking him early in the draft requires belief that he’ll continue to add to his offensive skill set, whether it’s as an interior playmaker or floor-spacer. Still, Okongwu’s productivity and the fact that he doesn’t need his number called to impact a game should make him a valuable supporting piece, particularly for teams that already feature ball-dominant scorers.
11. Patrick Williams, F, Florida State Freshman
Height: 6' 8" Weight: 225 Age: 19 Previous Rank: 12
Williams has as much upside as most of the other players in the lottery, with a great frame and base set of skills that should add versatility on both ends of the floor. He’s not ready for major minutes, and a lot of his value involves projection, but as the youngest college player in the draft, it’s easy to take an optimistic tack, so long as a team can afford him time to develop. He’ll hold up fine defensively with his body type and mobility and should be able to guard slower wings as well smaller bigs. Williams’ offensive future is a bit less clear and tied to how well his handle develops, but he’s shown encouraging signs as a shooter and has enough feel to fit in without issue. For a team that doesn’t need its first-round pick to play immediately, he looks like a worthy project and easy lottery option.
14. Precious Achiuwa, F/C, Memphis Freshman
Height: 6' 9" Weight: 225 Age: 20 Last Rank: 23
Achiuwa certainly looks the part in terms of tools and athletic ability, and while there are doubts about his overall feel, teams are enticed by his productivity, and there’s a pretty good chance he ends up in the lottery. He’s not a natural perimeter player, but the simple solution seems to be playing him in a lower-leverage role at center, at least to start, and asking him to run the floor, rebound, and cover the middle defensively. Achiuwa has always been a little too interested in moonlighting as a wing, but if he’s willing to buy in as a full-time big, it’s much easier to see him succeeding long-term. He’ll have to work hard on his jumper, but there’s a chance he shoots it effectively, which would add some versatility. Achiuwa is still mistake-prone on both ends, and he turns 21 this week. But with the NBA trending smaller, it isn’t hard to see him fitting in as a useful rotation player in the right situation.
21. Aleksej Pokusevski, F, Olympiacos
Height: 7' 0" Weight: 200 Age: 18 Last Rank: 22
Oftentimes the “mystery man” designation feels cliché and unhelpful; Pokusevski wears it particularly well. He’s the youngest player in the draft and has unusual ball skills and shooting proficiency for someone his size, but he spent the past season in Greece’s second division, which was not a particularly challenging level. His upside is tied more to the splash plays than the productivity, and his physical frailty is a stumbling block for some scouts, as he’ll likely be ill-suited to playing on the interior. He has a clear knack for passing the ball, and there’s potential for his shot-blocking to translate if he adds enough strength, but he also takes a lot of bad shots and may need more time than most to adjust from a physical and competitive perspective. He’s likely to be drafted in the back half of the first round, and the expectation is that he’ll come to the NBA immediately and spend the year taking advantage of the weight room and other resources.
25. Isaiah Stewart, C, Washington Freshman
Height: 6' 9" Weight: 250 Age: 19 Last Rank: 25
Stewart was highly productive on a bad Washington team, which didn’t exactly help him from a draft perspective, but he remains appealing to teams due in large part to his motor, energy and work ethic. He has elite length in spite of not being particularly tall for a center and is willing to do the dirty work as a rebounder and defender, some of which was lost in the shuffle due to the Huskies’ 2-3 zone. Stewart sometimes struggles to finish plays and get off clean looks against guys who can counter his size, but there’s optimism that he’ll be able to shoot threes, and he’s not going to require tons of touches to be effective. There’s not star upside here, but the odds are good that Stewart keeps improving and carves out a solid career.
26. Xavier Tillman, C, Michigan State Junior
Height: 6' 8" Weight: 245 Age: 21 Last Rank: 28
There may not a better big in the draft than Tillman when it comes down to the small details, and his hard-nosed, smart approach to interior play is tailor-made for an NBA role. His strength and balance help compensate for his lack of height, and he should be able to give teams immediate help off the bench with his defensive chops, rebounding, playmaking and screen-setting. Tillman isn’t a great jump shooter, nor is he a particularly skilled scorer, but he does so many other things well that it may not matter a ton. His range starts around here and ends around No. 40, which makes him a strong bet to deliver value.
30. Tyler Bey, PF, Colorado Junior
Height: 6' 7" Weight: 215 Age: 22 Last Rank: 32
Bey offers some real role-player intrigue as a potentially useful big in small-ball lineups, as a high-energy rebounder and play finisher with some untapped ability. He’s not a great shooter, but also not a non-shooter, and he’s athletic enough to defend some wings as well as smaller bigs. Bey may enable his team to play small and fast without commanding touches, and if he’s able to eventually space the floor, it’s not hard to see him having utility off the bench. He’s one of the more unorthodox players in the draft, but it’s hard to see a team taking him without a plan to optimize him accordingly, which bodes well.
31. Jalen Smith, C, Maryland Sophomore
Height: 6' 10" Weight: 225 Age: 20 Last Rank: 39
Although Smith is likely to be selected in the first round at this point, he’s more of a situational fit on a team in particular need of a floor-spacing big. Optimistically, he fits a useful archetype as a center who can shoot threes and block shots, but his limited mobility and balance may be problematic and hamper his ability to play in traffic. Maryland played a slower pace that insulated Smith in the half-court defensively, but he’ll be asked to defend more in space moving forward, and he doesn’t read and recover all that well when pulled away from the basket. Given his lack of lift in tight spaces and rudimentary finishing skills, Smith will have to improve his shooting enough to make it work as a pick-and-pop five. If it clicks, he has a pathway to utility as a rotational big.
35. Vernon Carey Jr., C, Duke Freshman
Height: 6' 10" Weight: 270 Age: 19 Last Rank: 33
Carey was highly productive as a freshman, and while he’s not where the NBA is headed, his size, strength and rebounding ability should work in his favor. He’s still pretty young, has room to improve his body and has potential to shoot the ball adequately from outside, which could make him a fairly useful player. Carey isn’t especially skilled as a finisher against bodies, and he relies heavily on going to his left hand and drawing contact, which probably limits some of his offensive utility for the time being. Carey blocks shots well within his area, but given his average lateral mobility and length, teams are skeptical as to how well he’ll actually defend in space when opponents inevitably try to make him hedge and recover. Still, there’s time for him to figure it out, and his Duke pedigree should keep him from free falling.
38. Jordan Nwora, F, Louisville Junior
Height: 6' 7" Weight: 220 Age: 22 Last Rank: 38
Although Nwora wasn’t as consistent as he probably should have been last season, he remains one of the best pure shooters in this draft, which shouldn’t be undersold. It’s easy to nitpick the flaws here, as he’s not an elite athlete or great defender, but he’s a solid rebounder with good size, and teams will primarily ask him to space the floor and make simple plays. Some of the issues at Louisville should be mitigated by the fact that defenses won’t be keying on him as much in the NBA. If a team has the framework to cover for Nwora on defense, he’s a strong value play in the early second round. His jumper is worth the gamble.
40. Udoka Azubuike, C, Kansas Senior
Height: 6' 11" Weight: 275 Age: 21 Last Rank: 48
Thanks to his sheer enormity, Azubuike was extremely effective by the end of his Kansas career, and by simple dint of being huge, there may be a place for him as a situational center in the NBA. His strength and massive wingspan are effective deterrents to keep opponents out of the paint, and while he’ll never be able to switch onto guards or play creative coverages, it’s conceivable he could fill a 10-15 minute per-game role on a team that values his rebounding and ability to eat space. Azubuike is an abysmal free throw shooter and his jumper will probably never be a threat, so he kind of is what he is at this point. But with more teams starting to employ a center-by-committee approach, he’s a decent low-cost option and comes with some built-in role clarity.
44. Zeke Nnaji, C, Arizona Freshman
Height: 6' 11" Weight: 240 Age: 19 Last Rank: 31
A physical rebounder who was effective as a freshman relying primarily on his soft touch and opportunistic scoring in the paint, Nnaji brings energy and a little upside, but his physical stiffness, lack of length and limited ball skills are somewhat concerning. He’s a decent shooter who may be able to stretch the floor, but he doesn’t offer much else in terms of offensive growth potential right now, and he may not be able to live off putbacks in the same fashion. Nnaji also struggles to protect the rim and is a bit behind defensively, which may limit his ability to center competent lineups. There’s room for growth here if Nnaji can work himself into a legitimate stretch big, but it’ll take a lot of work to get there.
47. Daniel Oturu, C, Minnesota Sophomore
Height: 6' 9" Weight: 240 Age: 20 Last Rank: 45
Oturu was highly productive this season, but also benefited greatly from being a high-minute, high-volume post player on a team with few consistent offensive options. Projecting forward, the question becomes how valuable he will against better competition if you were to limit his post-up touches and ask him to fill a rim-running role. Oturu is a powerful athlete but lacks the ideal size and skill level for an NBA five, and he can be somewhat of a black hole when catching the ball in the paint. He does have potential to shoot, and if he can space the floor, rebound and finish effectively, he could be a viable option. But the general replaceability of centers and his lack of an elite skill makes him a trickier sell.
48. Paul Reed, F/C, DePaul Junior
Height: 6' 9" Weight: 220 Age: 21 Last Rank: 46
Reed has an intriguing statistical profile and has some attractive traits as a prospect, but was a bit of mixed bag over the course of the season and played worse down the back stretch, as DePaul descended into mediocrity. Defensively, Reed has a lot to offer in terms of blocking shots, rebounding and impacting plays. But his motor comes and goes, and he can still be prone to fouls and mental mistakes. He’s toolsy, but a little awkward athletically, and he lacks the requisite feel to play much on the perimeter, making him a bit of a narrower lineup fit. Reed’s defensive impact and occasional flashes of brilliance should be enough to get him drafted, but he’s probably more of a project than advertised.
49. Killian Tillie, PF, Gonzaga Senior
Height: 6' 10" Weight: 220 Age: 22 Last Rank: 47
Tillie’s long list of lower-body injuries has created a level of medical concern that’s hampered his stock as a prospect over the years. But he was almost always effective when healthy, and he might be the most natural shooter of all the bigs in this draft. Granted, his slender body type is a negative, and at this point his frame won’t improve much. He’s not very long and may not be able to add a ton of strength, which will probably limit his contributions to the perimeter. But Tillie’s activity level is solid, his ability to space the floor is legit, and he’s a better athlete than he gets credit for. Tillie is worth a flier if his medical checks out, and in this part of the draft, the risk is mitigated.
53. Kaleb Wesson, C, Ohio State Junior
Height: 6' 9" Weight: 270 Age: 21 Last Rank: 50
Wesson put together a strong year after slimming down in the offseason. He anchored Ohio State’s offense admirably with his post play, perimeter shooting and above-average passing skills. While he’s still somewhat inconsistent and isn’t much of a rim protector given his size and limited verticality, his skill level and consistent jumper are still notable. He’s a high-level passer for his position, but there are very few bigs worth playing through at the NBA level, so he’s probably better suited as a short-roll and high ball-screen player. Ideally, Wesson will pair with a more mobile frontcourt player who can cover for him at the rim. But in the right system, he has a chance to stick.
55. Reggie Perry, F/C, Mississippi State Sophomore
Height: 6' 10" Weight: 250 Age: 20 Last Rank: 68
Perry has great physical tools and has been highly productive the past two seasons, but he lacks the level of feel and on-court awareness that would make him a surefire draftable player. He did earn a combine invite last season and has some fans around the league, but his shot selection and consistency have always left something to be desired, and his struggles also persist on the defensive end in terms of positioning and impact. He’s shown potential to shoot and has the type of frame teams like to gamble on. But he’s looking at a second-round selection as things stand.
58. Paul Eboua, F/C, Pesaro
Height: 6' 8" Weight: 215 Age: 20 Last Rank: 64
Elite physical tools alone make Eboua a potential second-round stash candidate as a powerful, athletic frontcourt piece worth developing in case his skill set ever clicks. Scouts question how good his feel for the game is, and his ideal long-term role might be at center, where his athletic advantage might create mismatches against slower bigs. Eboua’s ability to rim-run and beat basically anyone up and down the floor is noteworthy. In an energy role, it’s possible he’ll eventually succeed, but his feel and ball skills aren’t great. His highlights tend to mask his overall poor efficiency, and he’s an inconsistent jump shooter who will need time to grow into a more confined role.
submitted by InAingeWeTrust to bostonceltics [link] [comments]


2020.09.29 20:27 sashatinkoff test

SECTION ONE: ASSETS AND DEBTS
My 401k + Roth IRA: ~$35,000 - I’ve been saving at least minimal amounts since the beginning of my career, but this is mostly the last two years of contributions after paying off my student loans
Husband’s 401k + Roth IRA: ~$8,500 - Prior to his salary tripling in the last year, he wasn’t really able to contribute since he’s still paying off student loans
Equity: $0 - rent life!
Individual Emergency Funds: $20,000 - We each have $10,000 in our names only just for the sake of it
Joint Savings: $35,000 - We were supposed to be getting married this summer but then COVID happened
Checking account balances: $700 - We both tend to keep this less than $500
Car loan: $24518
Credit card debt: $0 - we pay these off in full each month
Student loan debt: $0 for me (paid off last year), $10,000 for my husband. Will pay it off in full right before interest starts again.
[Note: My husband and I both also have stock options in our companies but I don’t include them because not many have vested and none have been exercised. If they were all vested and exercised today though that’d be another $100,000+ in net worth.]
SECTION TWO: INCOME
Income Progression
Mine:
Husband’s: He makes $85k annually too and will receive $25k in guaranteed bonuses. He was freelancing before this making like $36k annually.
Monthly Take Home:
Mine:
Husband’s:
SECTION THREE: EXPENSES
Here’s how my husband and I organize our monthly expenses in YNAB categories and the bullets are everything that gets folded into them. They’re all guesses/based on YNAB averages from the past year. We’re lucky that we make enough money to not actually have a strict budget.
(Not so) Necessary Spending
Just for Fun Spending
There was a point in time where we found it useful to track eating out vs travel vs concerts/movies vs donations and all that jazz, but after one too many arguments about the allocations of those categories as joint expenses, we realized it was causing more problems than needed. At the end of the day, it doesn’t matter what we spend the money on, what matters is that we don’t spend too much. So I have free reign over my category, he has free reign over his, and anything we buy jointly gets split between the two.
Savings
SECTION FOUR: THE DIARY
Day 1 - Monday
8:17am - I am not a morning person, so I dread this moment every weekday, and postpone getting up by scrolling through my personal emails. I see one saying that 5 years ago today I tweeted “Philippians 4:12”. I don’t remember that verse so I look it up: "I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want.” Great reminder for the start of week.
8:30 - Finally force myself to roll out of bed, brush my teeth, throw on yoga pants and t-shirt, and take the dogs (mine and my in-laws’) on a walk. Because of the LA heat wave and our lack of A/C, we made a last minute decision to spend this week at my in-laws’ house. I check my work email on the walk and see that I was selected to be a mentor for a new mentorship program that I’m excited about - yay!
9am - 3:30pm - Non-stop meetings and emails. At some point I took a 10-minute break to eat a breakfast burrito, but otherwise I was pretty good at focusing for the first half of the day.
3:45pm - I suddenly realize I am reading Money Diaries. Oops. Back to work.
4pm - Jk, I remembered I need to go to the post office to drop off a family birthday gift to ship before 5pm. I buy a padded envelope and first-class shipping to make sure I can track the package, as I am endlessly paranoid. ($7.94)
5:45pm - I’m trying to get more casual with my boss now that I’ve joined the management team so I reply to his text with one that not only has a joke in it but an emoji 😂! Honestly was terrified to press send but he laughs at my joke back with two emojis!!! (🤪😆) A definite win!
7pm - This is the earliest I’ve stopped work in weeks! There’s always more scripts to read and notes to give and emails to send, but my carpal tunnel is flaring like crazy, I’ve had some wine, and I have a pretty open day tomorrow so no reason to work through the evening.
7:30pm - My husband made an incredible turmeric chicken with smashed potatoes for dinner based on a NYTimes recipe. I absolutely hate cooking so shout-out to my in-home chef!!!
11:11 - Make a wish! My husband and I still try to kiss the clock and each other at 11:11 both times a day. We usually miss it during the day, but if we’re in meetings, we try to text each other to let the other know what time it is.
11:30pm - After a shower (night showers ftw!), my nightly routine begins - 5 minutes of Duolingo, recording how I’m feeling in my health tracking app, long-form journaling, dot journaling, and reading. I started this routine at the beginning of August in quarantine, and I love it.
Total: $7.94
Day 2 - Tuesday
8:57am - Roll out of bed, brush my teeth, throw on a dress, take the dogs on a walk, then to my laptop for work!
11:35am - While waiting for a colleague to join a meeting, my boss and I end up trying to see how many songs we can name whose lyrics start with the word Hello. We get five, and then when my colleague joins in he immediately throws in one more.
12pm - Morning meetings over! Check my email and see one of my former interns wants me to be her mentor for her senior capstone project in creative writing. I’m so excited to watch her grow, and I love mentoring so I immediately say yes!
1:15pm - During lunch, I update a draft of my Forbes 30-Under-30 application with feedback from an older colleague. I simultaneously hate talking about my accomplishments and love seeing them all written out in front of me as proof that working 60-80 hour weeks for the past 5 years has not been for nothing.
4:00pm - One of the best parts of my job is getting to have (or listen to others have) small-group discussions with pretty famous creatives. I’m so obsessed with who today’s meeting was with, I can’t even believe I’m luckily enough to be in the same (Zoom) room as them.
6:00pm - Check my personal email and see my recurring (twice monthly) Church donation went through ($102.02)
9:30pm - Right before my husband and I start our workout, I get a text from my boss asking if I can join his 9am with some execs in the UK. I say yes obviously but now that means I need to move my 9:30am with someone in South Africa, before my 10am about a production in Australia...
9:45pm - Back to our regularly scheduled couple workout, then I shower, and get back to work!
11:30pm - Stop work, start bedtime routine!
Total: $102.02
Day 3 - Wednesday
7:57am - Scrolling through emails as I try to wake up, I see one of my colleagues was sending them at 2 o’clock in the morning. I truly don’t get how so many people in this industry survive on just 4-6 hours of sleep every night.
7pm - I absolutely CRUSHED my to-do list today so I don’t feel guilty taking a break to hang out with my friends (on Zoom) for an hour and a half. We’ve hung out every single Wednesday for the past three years.
8:30pm - Yeah, an hour and a half with my friends turns into me giving up on work for the night. Instead I cuddle with my husband and eat some ice cream while doing the NYT Crossword and finishing season 5 of Schitt’s Creek.
Total: $0
Day 4 - Thursday
8:03am - Woke up before my alarm because we have some big things happening today!
1pm - In celebration of today’s accomplishments, everyone on our team is given a $30 allowance to order whatever food we want. I ordered ramen for delivery ($29.47 to be reimbursed) and take a 20-minute no electronics break to eat on the deck with my husband.
5pm - I see our automatic car payment went through ($435.34)
7:45pm - One hour dinner break discussing everything from the (lack of) partying habits of Gen z, crime rate trends, and ketchup on pasta before getting my laptop back out and clearing my inbox.
9:30pm - Workout night!!! My favorite part is also my dog’s favorite part - when it’s over and my husband and I just lie on our yoga mats panting while our pup licks our faces.
10:30pm - Once last document to review and send notes on before an ep of Schitt’s Creek and our bedtime routine!
Total: $464.81 ($29.47 to be reimbursed)
Day 5 - Friday
8:57am - Woke up as late as possible before getting ready for my day of meetings. Starting to regret telling my assistant that I don’t mind back-to-backs...
10:03am - The upper left part of my arm has been throbbing for an hour in a way that concerns me so I log-in to my One Medical app to do a video chat. I realize then that I turned auto-renew off so I actually have to reactivate my membership ($199)
10:25am - The wait lines are longer than usual because of COVID and I really can’t move my 10:30am meeting so I give up on getting a video appointment.
11:49am - Out of the meeting and realize my arm stopped throbbing and only hurts when I bend it. From experience, I think I may have slightly pinched a nerve, and I know that honestly the only cure is rest. However, this reminds me that I wanted to call my doctor about something else anyway so I leave a message for his assistant.
1:15pm - I’m absolutely exhausted so I take a 25 minutes nap during lunch. Thank god for WFH because back at the office I would find an empty conference room and sleep on one of the uncomfortable couches. Napping in bed is so much better.
4:34pm - I almost cry reading the essay my boss wrote about me to submit to 30-Under-30. He is an amazing leader, and I absolutely love working with him and everyone else on my team.
4:42pm - I actually do cry reading that Ruth Bader Ginsburg has died. Wow. No words.
6:28 - Having a hard time concentrating on work thinking about the impending demise of our country so I finish working early again today.
7:30pm - We have chicken tenders and wine for dinner and donate to ActBlue ($100)
9pm - A friend makes a Close Friends insta story about being sick and not being able to afford healthcare. I chat with her then Venmo her the amount for co-pays for her first two appointments** ($95)**
Total: $394
Day 6 - Saturday
8:32am - On the verge of being awake I turn over and see my husband reading. I ask him what time it is and he says 8:32. I laugh and roll back over to sleep.
10:17am - Now at a more acceptable time, I wake-up slowly: cuddling with the dog, scrolling through emails and social media, and giving my husband a massage since we have a long drive ahead of us back to LA today and he’ll be at the wheel the whole way.
1:15pm - After cleaning up the house, packing, walking the dog, and a quick lunch we get on the road!
2pm - Have been on my laptop clearing my inbox and trying to get my weekend work out of the way, but I get distracted and into a Wikipedia rabbit hole after reading a logline about a Hasidic Jewish gang that torture husbands into granting their wives religious divorces. Learning about and sharing stories from different cultures is pretty much why I got into this industry so I find it fascinating.
4pm - We switch from music to podcasts for the next few hours and listen to Happiness Lab, Millionaires Unveiled, Hidden Brain, How I Built This, Cautionary Tales, and Thrilling Tales of Modern Capitalism (terrible title, good podcast). We stop for gas at some point ($46.66)
6:45pm - I see our Zola credits processed for things that never got delivered from our wedding registry so I spend the credits on three other things from our registry. Would have cost $84.84 without the credits.
7:15pm - There’s no food in our apartment so we order in from our favorite local spot ($74.70) and quickly run by the grocery store to grab the necessities (aka wine and ice cream) and end up also getting really cool new ice cube trays ($55.56)
8pm - We decide to watch Cuties because I want to see what the controversy is all about. I’m torn because I agree that the director’s choice in close-ups are uncomfortable, but I feel like I’ve seen equally bad child choreo on Dance Moms/Toddlers & Tiaras/Tik Tok and I’m glad the film is prompting the conversations it wanted us to have.
9:30pm - We said we were going to do our usual workout but we do not. Instead we drink more wine and eat ice cream and watch Schitt’s Creek until bed.
Total: $176.92
Day 7 - Sunday
10am - Up to watch a livestream of Church. An incredible message on faith and hope and the future. My favorite insight was about the idea that humans don’t perceive time itself, we perceive change. And in this quarantine time when we all feel stagnant and locked up and unchanging, it’s harder to imagine a future and that is why it’s harder to have hope.
11am - While my husband goes grocery shopping, I throw on a Spotify playlist to start unpacking and cleaning up. I gave him the goal of spending less than $100 on groceries, and he succeeds on a technicality, spending** $99.33** on groceries and on $10.71 toiletries
1:30pm - While he takes the dog to get an allergy shot ($54.29) and a bottle of wine for our friend who got our mail while we were gone ($14.99), I sit down to do some work in hopes that it’ll prevent me from needing any midnight work nights this week.
5pm - It’s Emmy night!!!! Schitt’s Creek, Schitt’s Creek, Schitt’s Creek!!!! So glad we started binging this a month ago.
10pm - Better late than never for our workout before one more episode of Schitt’s before bed. Now that I know season 6 won so many Emmy’s I’m excited to finish the series!
Total: $179.32
Week Total: $1,325.01
REFLECTION
Spending-wise, this week felt fairly high but I know we don’t spend this much consistently and always end up on budget by the end of the month so I’m not worried. We essentially just maxed out our monthly donations earlier than usual, and this just happened to be the week of the month that our car payment went through.
The biggest takeaway for me from this was that it just hit me that we should be able to save at least $50,000 a year, which was more than my husband even made gross last year! That’s exciting and means I should probably start thinking more concretely about our pre vs post-tax strategy and how much we should have in cash versus doing an end of year Backdoor Roth IRA.
submitted by sashatinkoff to isidroid [link] [comments]


2020.09.29 17:38 Who-Do-You-Know WDYK - Job Opportunity - Program Manager, Global Training Strategy & Planning

PM for Recruiter Contact Info - Make sure to include the link so I know which one you're asking about.
Job Title: Program Manager, Global Training Strategy & Planning
Job ID- 11216378
Client: Apple
Pay rate: $57.50/hr on W2.
Location: One Apple Park Way, Cupertino, CA 95014
Shift: 8 am to 5 pm (1 hour break)
Monday to Friday
5+ month contract
JOB DESCRIPTION:
We are looking for a process-oriented program manager to lead global IT training strategy and planning efforts, encompassing everything from annual budget planning to data-driven program execution. The ideal candidate possesses a strong customer service ethic, handles ambiguity with ease, and understands the core strengths that make Apple’s products easy to use. A successful candidate will: • Define strategic and operational goals and design a corresponding roadmap for achieving those goals. • Build and develop monthly business and leadership reports that outline performance against key strategic initiatives. • Build relationships and coordinate closely with regional partners, engineering teams, and support teams to drive successful execution of projects. • Manage a portfolio of global training projects, ensuring their success by securing resources, managing budgets, and coordinating services from internal and external providers.

• Manage financial processes for global training and Helpdesk teams, including: financial planning (capital and operational expenses) and headcount planning. • Manage compliance management processes (PII, SOX, and security) for Helpdesk, including creating and maintaining documentation and coordinating audits. • Own the global learning infrastructure, including learning management system and reporting platforms, and the creative development of both new solutions and enhancements to existing systems. • Leverage online platforms and tools to collaborate and communicate effectively with team members based out of our local and global offices. • Lead the development and implementation of creative learning programs and appropriate measures of success.

QUALIFICATIONS
• 5 years of program management experience, with a focus on strategy and planning in learning and development teams • Proven track record of developing roadmaps, timelines and project plans, prioritizing and seeing them through to completion in a dynamic, deadline-driven environment • Able to effectively partner cross-functionally, and leading projects while partnering with the experts to deliver results • Proven capability in project management, assessment, and reporting • Ability to effectively forecast and allocate resources across a number of projects to meet schedules and goals • Team player with great written and verbal communication skills, excellent listening and strong coordination skills, and the ability to build relationships • Experience leading team discussions with large, global groups, which may include senior managers and executive leadership • Curiosity and drive to improve operational efficiency • Experience with industry leading project management tools, such as Microsoft Project, Jira and Confluence a plus

• Demonstrated ability to communicate complex technical concepts concisely and clearly and translate them into business requirements • Experience with MacOS and iOS hardware and software strongly preferred • Ability to work effectively in global and virtual teams • Creative problem solving skills, and comfortable working with ambiguity • Bachelor’s degree or equivalent work experience required

submitted by Who-Do-You-Know to whodoyouknow [link] [comments]


2020.09.29 15:38 ThrowRA-collegeLDR College long distance relationship vs the new girl

Hi Reddit, Im super confused right now and just really need some advice even though I think I know the answer
I (19m) have been in a relationship (18f) for 3 years. We met sophomore year of highschool and fell in love fast. It's been amazing, I love her so much. We were extremely close and I saw her as much as possible, sometimes daily over the summer. We were so madly in love. The past year has been rough for us. She (and I don't really blame her for this part) has changed her birth control like 4 times and each time throws her hormones everywhere and she admits her mood has been hard to control. We have been arguing more often and she is extremely clingy. Don't get me wrong I'm clingy, but it has felt unhealthy with her. She would guilt trip me if I couldn't see her for one day or something even if I had legitimate reasons.
Two months ago I moved four hours away to college. She is still a senior. 4 hours may not seem like much, but seeing each other has been hard. On some weekends im very busy with homework or band rehearsal and simply don't have time, plus my car is a gas guzzler so the trip usually costs me (a broke college kid with no income) 40-50$. This has been hard for us too, since I moved we don't talk as much and bicker more
Our first big argument since I moved was these weekends. Some weekends I really just want to hang out here. I've made new friends and have become really close to my roomates, as well as he want to explore my new community and campus. She has felt extremely depressed about this. She feels as though she's holding me back from having fun and I'd be better off without her. while sometimes I would rather be going out with my roommates I stay home to FaceTime or drive home on weekends because I love her more than I want to hang out with my friends. She just takes it super hard even to the point of telling me not to come home so she doesn't stop any plans I had. This hurts me deeply (which I've told her) because I DO want to see her, that's my girl I miss her like you wouldn't believe. But she thinks she's stopping me from having fun
The biggest problem, is the girls next door. I live in a co ed dorm. The girls next door introduced themselves to our dorm on the first day, just trying to meet people. We have all become really good friends. This made my girlfriend jealous off the bat as I was hanging out with these new girls some nights (a couple times she could hear the girls and my roommates talking in the background while I was in my room face timing her). I have developed a crush on one of these girls. I hate myself for it. I know I'm unavailable, and I love my girl and will never cheat. I can't just avoid these girls or cut them off. My roomates and them are all good friends now, we get dinner pretty much daily. If I cut them out I will have no friends on campus. Especially during this pandemic I really appreciate having people to hang out with or share a meal with.
Part of me thinks I'm just lonley being so far away from my girl so now a cute girl I'm hanging out with a lot is making me crush. But the other part thinks "long distance never works, especially highschool, you should just pursue the new girl and break it off". The second part terrifies me. I can't imagine life without my girlfriend. I mean we know everything about each other, we've been through everything together. Years of love. I can't lose it, I don't know how I'd restart with anyone. She's the one, right?
Tldr: I have a girlfriend 4 hours away from my college, but long distance has proven to be very difficult for us. Breaking it off seems impossible to me, Should I try to pursue new love?
submitted by ThrowRA-collegeLDR to Advice [link] [comments]


2020.09.29 04:55 Sirtim0thy95 PLEASE HELP: MSI GF65THIN RTX 2060 9th gen i7 32 gb ram, FPS\GPU issues

Hello. I recently got this laptop, as it seemed to be a decent option without breaking the bank (1300$ spec'd out). This is my first true gaming laptop, and I have been noticing some kind of strange behaviors. I'd be extremely grateful if a senior laptopper has any insight into these issues. I am relatively new to pc gaming.
FIRST issue: So, I started out with the gtav campaign. It performs, well, acceptably. I get 30-40 fps in the city, closer to 60 in the countryside. This is a fairly old title by now, and I just don't know why i am barely scraping 30 fps in heavily populated areas. RTSS tells me my gpu is around 30% in use, it hardly EVER even hits 50 percent, and I am definitely not overheating. I disabled PCIE link state, and got maybe 5-10 plus fps.
Why is this happening? Is the laptop somehow throttling everything? Should I disable HPET? I am plugged in, windows power options are all set to maximum performance. Nvidia control panel is tweaked for performance. What am I missing here? It's kind of driving me crazy. (ALSO, having this issue in other games, not just in gtav. freaking TF2 is doing the same thing, where I will barely scrape 40 fps in certain maps with lots of players with around 30% GPU usage.)

SECOND issue: CSGO is kind of having an opposite issue. Whenever I run the game, I could toast bread on it. The 2060 hovers around 80c, and it runs perfectly smooth, but WHY is it using the gpu like this? Its probably the least graphically intensive game I'm trying to run, and it absolutely cooks my poor machine. I capped the fps to 120 in console, but it didnt change the behavior a bit.

I bought this machine on the premise that it could at least handle gtav, at around 60 fps. As far as I know, there are no major bottlenecks. Are there settings I am simply missing that are hampering how my GPU behaves? I've been researching this for hours and all I'm finding is "hurr durr make sure theres no dust in the fans" and similar armchair advice.

Drivers are up to date. Windows is updated. PLEASE HELP, and thank you in advance. I will happily provide more detailed information if someone needs it.
submitted by Sirtim0thy95 to GamingLaptops [link] [comments]


2020.09.29 04:46 drunksandman Check-In and Analysis From a 30-Something Feelin Kiiiinda Confident Financially

Sup savers. This is literally the most time I've ever spent on a reddit post. I was kind of having fun going through all my numbers and stuff. I'm hoping that by making this post and checking in financially in the way that some users do, some assurances and/or guidance can be received. Lucky to be feeling confident with finances lately, but haven't really had a true temperature taking yet.
34M (C) and 35F (D). Married 2017. Philadelphia, PA. My wife and I share all of our accounts. Both contribute into the same accounts, managed (enthusiastically!) by C. We both are lucky enough to work full time from home with no real concern about losing our jobs.
C Employment 60K/yr as Technical WriteSales Associate for software company. Recent job switch after 8 years of being paralegal. 401K 3% match effective after 6 months (Dec 2020). Bi-monthly paycheck ~ $1950.
D Employment ~72K/yr as Senior Medical Editor for [redacted]. 10+ years employed. Non-profit. Some sort of pension plan in place. Not a 403B. Not a 401K. Bi-weekly paycheck ~ $2000.
Approx. monthly income: $7,500-8000, depending on how paychecks fall.
Mortgage: $275,000.00 APR: 3.875% Monthly payment: $1,950
No car payment. 2007 Hyundai Sonata has dings and scratches, but is cared for. A new car is probably in the near future.
No children. A child is probably in the near future. Probably a kid then a car.
C School Loans $24,000. Paying off my student loans has been of paramount importance to me, for maybe, the past 12-15 months. I don't even know what my monthly payment is. I am throwing $825/month at them right now. I was at $32,000 this same time last year, and was making significantly smaller payments. whaddup rcnj
** D School Loans** None.
C & D Savings & Investments
- Savings: $22,000. This account used to be high-yield. /shrug/
- C Traditional Roth: ~$22,000. This was the rollover from approx 4 years of a 401K from a prior job at a law firm. At about 4K of the 6K limit for 2020.
- Acorns (Investment): ~8K. I started this account many years ago and keep contributing. acorns whaddup
My wife has a pension plan that is hard to articulate into the "investment" aspect of this post. She's paid in ~$78,000, but I don't know if she'll stay there until her retirement age or what. A lot of people are commenting that I'm way behind on my retirement, and while we are, I think we're less so considering this hard-to-quantify number*\*
(Odd that both savings and Roth are almost at the same amount, tee hee)
I (automatically) contribute $50.00 each week to these accounts, and generously save on top of that, especially lately. I will monitor the checking account on a near-daily basis and throw an extra $500 at the accounts, and determine how to split it depending on how I'm feeling. I figure, if my allocation is a little off, it's still all being saved between 3 accounts.
As stated above, my new job offers me 401K at 3% match coming Dec 2020.
Monthly Stuff
Mortgage: $1950
C Loan: $825
Auto Saving/Investment: $600
Electric: fluctuates. Summmer's like ~$200, but now it's like perfect "no AC/heat weather"
Water: $50 Gas: $~25-50
Internet: $90
Phone: $190 (will be $110 in Dec 2020 when both iPhones paid off)
Car Ins: $160 (for 9 months)
Groceries: $400-500/month. We hate grocery shopping but we like cooking. We allow ourselves to eat out if we feelin it.
There's some other misc. stuff, like Spotify and Disney Plus, Amazon Prime once a year, but like, I don't need to account every penny in my monthly run down, because I'm feeling really confident now.
We have one "family card" that ALL of our purchases go on. All of the expenses above (which can be paid with CC), groceries, Grubhub, clothes, games, gas, whatever. It all goes on this card which is paid in full every month. It hovers around $2,000-$3,000 usually. It hasn't been quite that high since we've been staying in. We do not carry a balance.
Obviously when I say we have one family credit card, I mean two. Anybody who has Amazon Prime is snagging that 5% cash back. That's a given. We have the "family card" and the Amazon Prime CC.
So realistically, my monthly appears as such:
Monthy income: +$7,500-8,000
Mortgage: -$1,950
C Loan: -$825
Auto Saving/Investment: -$600 (low end)
Credit Card(s): -$3,000 (high end)
High end leftovemonth: +1,125
Low end leftovemonth: +2,625
When leftover in the checking account builds up, I throw it in savings or investment. I like a 2K buffer in my checking account, but unless paychecks are really wonkily-timed it sits at $3K-8K depending on auto withdrawals.
My Personal Capital approx net worth is $132,000. My credit score is 803.
2020 Goals:
- Max out C Traditional Roth
- Get C Student Loan under $20,000.
It was my intention to save vigorously and drop a big sum on the student loans before interest kicks back in in Jan 2021. Maybe pay some loans from the savings, dropping savings to like $15,000?
2021 Intentions:
- Get D set up with a Roth IRA and try to meet $12,000/yr between D Roth and C Trad.
- Maybe open a Roth IRA for C and contribute more to that than the Trad?
- Figure out how to quantify D's pension at work into "retirement numbers.
- Pay something more monthly on my mortgage principal.
SoOoOoOo, like, am I on the right track to having the ability to maybe buy a $100,000 Pocono Mountain cabin second property in like 2-5 years and have a child/ren and not feel the existential crushing dread of not having enough money to support children, lives, passions, and hobbies?
Guidance on any 2021 intentions, best practices, glaring issues, general input, concerns, clarifications, and praise are all welcome.
Thanks.
Vote.
submitted by drunksandman to personalfinance [link] [comments]


2020.09.28 19:42 Anon1571791 27 [M4F] #Seattle I'm looking for a much older woman preferably BBW/SSBBW for ANR/ABF mommy/son serious/life long relationship.

As the title says. I am not looking for a sugar mama, I have my own job and make money to sustain myself but I do eventually want to cohabitate.
I am looking for a sensual and nurturing woman to build a life with. I am a switch but I prefer a sub lifestyle. I enjoy being told to give a massage, bathe a woman, do chores while you relax with a glass of wine, be breast fed while being held tightly in your arms and being told how much of a good boy I am. This of course not being allowed to call you by your name but instead calling you by mom and exploring a incest roleplay 24/7.
I am a nerdy guy but I wlso enjoy the outdoors. I never huff and puff about having to go out instead of playing video games. It's a preference that you enjoy nerdy stuff but if not that's cool and would enjoy partaking in your hobbies. Also I have a preference for women between 18 to 30 years my senior, yes that'll put most women I am looking for in their 40s and 50s. Also it'll be a plus if you were chubby, overweight, bbw, or ssbbw.
submitted by Anon1571791 to Cougars_Den [link] [comments]


2020.09.28 19:39 Anon1571791 27 [M4F] #Seattle I'm looking for a much older woman preferably BBW/SSBBW for ANR/ABF mommy/son serious/life long relationship.

As the title says. I am not looking for a sugar mama, I have my own job and make money to sustain myself but I do eventually want to cohabitate.
I am looking for a sensual and nurturing woman to build a life with. I am a switch but I prefer a sub lifestyle. I enjoy being told to give a massage, bathe a woman, do chores while you relax with a glass of wine, be breast fed while being held tightly in your arms and being told how much of a good boy I am. This of course not being allowed to call you by your name but instead calling you by mom and exploring a incest roleplay 24/7.
I am a nerdy guy but I wlso enjoy the outdoors. I never huff and puff about having to go out instead of playing video games. It's a preference that you enjoy nerdy stuff but if not that's cool and would enjoy partaking in your hobbies. Also I have a preference for women between 18 to 30 years my senior, yes that'll put most women I am looking for in their 40s and 50s. Also it'll be a plus if you were chubby, overweight, bbw, or ssbbw.
submitted by Anon1571791 to AgeGapPersonals [link] [comments]


2020.09.28 08:44 ThrowRA-collegeLDR College long distance vs girl next door

Hi Reddit, Im super confused right now and just really need some advice even though I think I know the answer
I have been in a relationship for 3 years. We met sophomore year of highschool and fell in love fast. It's been amazing, I love her so much. We were extremely close and I saw her as much as possible, sometimes daily over the summer. We were so madly in love. The past year has been rough for us. She (and I don't really blame her for this part) has changed her birth control like 4 times and each time throws her hormones everywhere and she admits her mood has been hard to control. We have been arguing more often and she is extremely clingy. Don't get me wrong I'm clingy, but it has felt unhealthy with her. She would guilt trip me if I couldn't see her for one day or something even if I had legitimate reasons.
Two months ago I moved four hours away to college. She is still a senior. 4 hours may not seem like much, but seeing each other has been hard. On some weekends im very busy with homework or band rehearsal and simply don't have time, plus my car is a gas guzzler so the trip usually costs me (a broke college kid with no income) 40-50$. This has been hard for us too, since I moved we don't talk as much and bicker more
Our first big argument since I moved was these weekends. Some weekends I really just want to hang out here. I've made new friends and have become really close to my roomates, as well as he want to explore my new community and campus. She has felt extremely depressed about this. She feels as though she's holding me back from having fun and I'd be better off without her. while sometimes I would rather be going out with my roommates I stay home to FaceTime or drive home on weekends because I love her more than I want to hang out with my friends. She just takes it super hard even to the point of telling me not to come home so she doesn't stop any plans I had. This hurts me deeply (which I've told her) because I DO want to see her, that's my girl I miss her like you wouldn't believe. But she thinks she's stopping me from having fun
The biggest problem, is the girls next door. I live in a co ed dorm. The girls next door introduced themselves to our dorm on the first day, just trying to meet people. We have all become really good friends. This made my girlfriend jealous off the bat as I was hanging out with these new girls some nights (a couple times she could hear the girls and my roommates talking in the background while I was in my room face timing her). I have developed a crush on one of these girls. I hate myself for it. I know I'm unavailable, and I love my girl and will never cheat. I can't just avoid these girls or cut them off. My roomates and them are all good friends now, we get dinner pretty much daily. If I cut them out I will have no friends on campus. Especially during this pandemic I really appreciate having people to hang out with or share a meal with.
Part of me thinks I'm just lonley being so far away from my girl so now a cute girl I'm hanging out with a lot is making me crush. But the other part thinks "long distance never works, especially highschool, you should just pursue the new girl and break it off". The second part terrifies me. I can't imagine life without my girlfriend. I mean we know everything about each other, we've been through everything together. Years of love. I can't lose it, I don't know how I'd restart with anyone. She's the one, right?
submitted by ThrowRA-collegeLDR to relationship_advice [link] [comments]


2020.09.28 04:37 Anon1571791 27 [M4F] #Seattle I'm looking for a much older woman preferably BBW/SSBBW for ANR/ABF mommy/son serious/life long relationship.

As the title says. I am not looking for a sugar mama, I have my own job and make money to sustain myself but I do eventually want to cohabitate.
I am looking for a sensual and nurturing woman to build a life with. I am a switch but I prefer a sub lifestyle. I enjoy being told to give a massage, bathe a woman, do chores while you relax with a glass of wine, be breast fed while being held tightly in your arms and being told how much of a good boy I am. This of course not being allowed to call you by your name but instead calling you by mom and exploring a incest roleplay 24/7.
I am a nerdy guy but I wlso enjoy the outdoors. I never huff and puff about having to go out instead of playing video games. It's a preference that you enjoy nerdy stuff but if not that's cool and would enjoy partaking in your hobbies. Also I have a preference for women between 18 to 30 years my senior, yes that'll put most women I am looking for in their 40s and 50s. Also it'll be a plus if you were chubby, overweight, bbw, or ssbbw.
submitted by Anon1571791 to R4R40Plus [link] [comments]


2020.09.28 04:18 Mamacat98 The more I self reflect and read into it, the more I think I know what I want.

I’ve been following this subreddit for awhile and commented a few times (other account, realized it was somewhat easy to figure out who I am in real life so I just made this one). Anyway, I’m a 22 year old female, who is technically on the fence but leaning heavily towards being child free.
About a year and a half ago I flipped my whole life around - broke up with a guy I thought I’d marry, changed my major as a junior in college, and started to evaluate what the hell I wanted. I was so unsure about everything I had ever thought my life would become and I was lost. I grew up in a family where it was college, marriage, kids or bust. During my major self-reflective period I realized that maybe I didn’t want kids at all, when for as long as I could remember, all I wanted to be known for was as a good wife and a good mom - so that was big for me, I also realized there’s so much more to life and that would be a boring way to exist. I’ve struggled with depression and anxiety since I was a kid and didn’t get real, consistent help until my senior year of college (last school year). I guess this is a long backstory of figuring out who I am.
During 2020 the thought of never having kids started to be more and more in the forefront of my mind, because the world is a shitshow right now, kids are expensive as hell, and I’m not sure if I’m cut out for it. One night I had an anxiety attack surrounding the thought of having children and some of the reasons I’m not sure include: PPD, weight gain, not being able to get/stay pregnant (miscarriage 4 years ago was awful), staying home or working because either option sounds like I’d be losing out on something, unable to breastfeed and feeling like a failure because of it (although there’s nothing wrong with formula because fed is best, it’s something my SIL has done for all her kids and I know I would feel in some way inadequate), childbirth is terrifying, being tired/irritable/never being able to turn your mom brain off once it’s on until you die. A big one is that my bf (who I hope to be with for the rest of my life, as he’s my favorite human) is almost 8 years older than I am so if I’m not “ready” until I’m 30 and it takes a year to get pregnant and IF that one sticks then it takes 9 months to bake them by the time they would graduate high school he’d be in his late 50s and I don’t think that’s very fair to him or another human to possibly not have their dad with them as they get into their 30s for all the big life things. Plus after I watch my nephews for a few hours I am so THANKFUL I get to give them back to their parents and I can come home to my cats and the quiet house where it’s only my messes to clean up.
So... it’s not hard to say that I’ve really been thinking about all of it. I’ve always loved kids but they are exhausting, expensive, loud, needy, and so very much work. I know my bf would be an amazing dad because he has the best heart I’ve ever seen, but he also likes spending his money on toys for himself (cars, legos, and electronics) and I love him but man he can be really cranky when he doesn’t get decent sleep for a few days.
I’ve been bingoed a lot, and I’m tired of it. While my mom is supportive (she ends up disciplining my nephews more than SIL) of me choosing to live whatever life I want my dad asked one time if I’m having kids with “you’re gonna have kids, aren’t you?” and I said “maybe” to which he didn’t respond well but didn’t berate me. Today I went to the pumpkin patch with my best friend who’s pregnant with her first, another friend who is a single mom of two (3f, 1m), and my nephews (6, 3). I brought up some of my reasons as to be CF and she (single mom) did the “but it’s different when it’s your own kids” to which I replied “yeah I can’t give them back.” I mean really, what’s going to happen if I have a screaming child and end up having an anxiety attack because it’s all too much? My SIL and brother (who are 12 years older than I am and have had 3 boys) give me the “you’ll change your mind” and “one day you’ll want to fulfill your biological purpose.” YES he really did say that, I mean I know we’re a bunch of scientists but bro you REALLY don’t have to say shit like that.
Last night, bf and I went to a food truck festival and met up with friends, planned kind of a last minute but was really fun. One couple was talking and they have a teenager but the husband got a vasectomy because the wife said “I don’t want to have to start all over.” I thought “man that would be nice not to have to worry about it whenever I feel like shit for a few days and fear that it could be a birth control baby.”
If you’ve made it this far, thank you for reading. And thank you to this community for showing me that I’m not alone and I’m not crazy. I love reading everyone’s posts here. Have a great day in this crazy world of ours.
submitted by Mamacat98 to childfree [link] [comments]


2020.09.25 19:35 futurewag I am 26 years old and make $85,000 working in entertainment in Los Angeles.

SECTION ONE: ASSETS AND DEBTS
My 401k + Roth IRA: ~$35,000 - I’ve been saving at least minimal amounts since the beginning of my career, but this is mostly the last two years of contributions after paying off my student loans
Husband’s 401k + Roth IRA: ~$8,500 - Prior to his salary tripling in the last year, he wasn’t really able to contribute since he’s still paying off student loans
Equity: $0 - rent life!
Individual Emergency Funds: $20,000 - We each have $10,000 in our names only just for the sake of it
Joint Savings: $35,000 - We were supposed to be getting married this summer but then COVID happened
Checking account balances: $700 - We both tend to keep this less than $500
Car loan: $24518
Credit card debt: $0 - we pay these off in full each month
Student loan debt: $0 for me (paid off last year), $10,000 for my husband. Will pay it off in full right before interest starts again.
[Note: My husband and I both also have stock options in our companies but I don’t include them because not many have vested and none have been exercised. If they were all vested and exercised today though that’d be another $100,000+ in net worth.]
SECTION TWO: INCOME
Income Progression
Mine:
Husband’s: He makes $85k annually too and will receive $25k in guaranteed bonuses. He was freelancing before this making like $36k annually.
Monthly Take Home:
Mine:
Husband’s:
SECTION THREE: EXPENSES
Here’s how my husband and I organize our monthly expenses in YNAB categories and the bullets are everything that gets folded into them. They’re all guesses/based on YNAB averages from the past year. We’re lucky that we make enough money to not actually have a strict budget.
(Not so) Necessary Spending
Just for Fun Spending
There was a point in time where we found it useful to track eating out vs travel vs concerts/movies vs donations and all that jazz, but after one too many arguments about the allocations of those categories as joint expenses, we realized it was causing more problems than needed. At the end of the day, it doesn’t matter what we spend the money on, what matters is that we don’t spend too much. So I have free reign over my category, he has free reign over his, and anything we buy jointly gets split between the two.
Savings
SECTION FOUR: THE DIARY
Day 1 - Monday
8:17am - I am not a morning person, so I dread this moment every weekday, and postpone getting up by scrolling through my personal emails. I see one saying that 5 years ago today I tweeted “Philippians 4:12”. I don’t remember that verse so I look it up: "I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want.” Great reminder for the start of week.
8:30 - Finally force myself to roll out of bed, brush my teeth, throw on yoga pants and t-shirt, and take the dogs (mine and my in-laws’) on a walk. Because of the LA heat wave and our lack of A/C, we made a last minute decision to spend this week at my in-laws’ house. I check my work email on the walk and see that I was selected to be a mentor for a new mentorship program that I’m excited about - yay!
9am - 3:30pm - Non-stop meetings and emails. At some point I took a 10-minute break to eat a breakfast burrito, but otherwise I was pretty good at focusing for the first half of the day.
3:45pm - I suddenly realize I am reading Money Diaries. Oops. Back to work.
4pm - Jk, I remembered I need to go to the post office to drop off a family birthday gift to ship before 5pm. I buy a padded envelope and first-class shipping to make sure I can track the package, as I am endlessly paranoid. ($7.94)
5:45pm - I’m trying to get more casual with my boss now that I’ve joined the management team so I reply to his text with one that not only has a joke in it but an emoji 😂! Honestly was terrified to press send but he laughs at my joke back with two emojis!!! (🤪😆) A definite win!
7pm - This is the earliest I’ve stopped work in weeks! There’s always more scripts to read and notes to give and emails to send, but my carpal tunnel is flaring like crazy, I’ve had some wine, and I have a pretty open day tomorrow so no reason to work through the evening.
7:30pm - My husband made an incredible turmeric chicken with smashed potatoes for dinner based on a NYTimes recipe. I absolutely hate cooking so shout-out to my in-home chef!!!
11:11 - Make a wish! My husband and I still try to kiss the clock and each other at 11:11 both times a day. We usually miss it during the day, but if we’re in meetings, we try to text each other to let the other know what time it is.
11:30pm - After a shower (night showers ftw!), my nightly routine begins - 5 minutes of Duolingo, recording how I’m feeling in my health tracking app, long-form journaling, dot journaling, and reading. I started this routine at the beginning of August in quarantine, and I love it.
Total: $7.94
Day 2 - Tuesday
8:57am - Roll out of bed, brush my teeth, throw on a dress, take the dogs on a walk, then to my laptop for work!
11:35am - While waiting for a colleague to join a meeting, my boss and I end up trying to see how many songs we can name whose lyrics start with the word Hello. We get five, and then when my colleague joins in he immediately throws in one more.
12pm - Morning meetings over! Check my email and see one of my former interns wants me to be her mentor for her senior capstone project in creative writing. I’m so excited to watch her grow, and I love mentoring so I immediately say yes!
1:15pm - During lunch, I update a draft of my Forbes 30-Under-30 application with feedback from an older colleague. I simultaneously hate talking about my accomplishments and love seeing them all written out in front of me as proof that working 60-80 hour weeks for the past 5 years has not been for nothing.
4:00pm - One of the best parts of my job is getting to have (or listen to others have) small-group discussions with pretty famous creatives. I’m so obsessed with who today’s meeting was with, I can’t even believe I’m luckily enough to be in the same (Zoom) room as them.
6:00pm - Check my personal email and see my recurring (twice monthly) Church donation went through ($102.02)
9:30pm - Right before my husband and I start our workout, I get a text from my boss asking if I can join his 9am with some execs in the UK. I say yes obviously but now that means I need to move my 9:30am with someone in South Africa, before my 10am about a production in Australia...
9:45pm - Back to our regularly scheduled couple workout, then I shower, and get back to work!
11:30pm - Stop work, start bedtime routine!
Total: $102.02
Day 3 - Wednesday
7:57am - Scrolling through emails as I try to wake up, I see one of my colleagues was sending them at 2 o’clock in the morning. I truly don’t get how so many people in this industry survive on just 4-6 hours of sleep every night.
7pm - I absolutely CRUSHED my to-do list today so I don’t feel guilty taking a break to hang out with my friends (on Zoom) for an hour and a half. We’ve hung out every single Wednesday for the past three years.
8:30pm - Yeah, an hour and a half with my friends turns into me giving up on work for the night. Instead I cuddle with my husband and eat some ice cream while doing the NYT Crossword and finishing season 5 of Schitt’s Creek.
Total: $0
Day 4 - Thursday
8:03am - Woke up before my alarm because we have some big things happening today!
1pm - In celebration of today’s accomplishments, everyone on our team is given a $30 allowance to order whatever food we want. I ordered ramen for delivery ($29.47 to be reimbursed) and take a 20-minute no electronics break to eat on the deck with my husband.
5pm - I see our automatic car payment went through ($435.34)
7:45pm - One hour dinner break discussing everything from the (lack of) partying habits of Gen z, crime rate trends, and ketchup on pasta before getting my laptop back out and clearing my inbox.
9:30pm - Workout night!!! My favorite part is also my dog’s favorite part - when it’s over and my husband and I just lie on our yoga mats panting while our pup licks our faces.
10:30pm - Once last document to review and send notes on before an ep of Schitt’s Creek and our bedtime routine!
Total: $464.81 ($29.47 to be reimbursed)
Day 5 - Friday
8:57am - Woke up as late as possible before getting ready for my day of meetings. Starting to regret telling my assistant that I don’t mind back-to-backs...
10:03am - The upper left part of my arm has been throbbing for an hour in a way that concerns me so I log-in to my One Medical app to do a video chat. I realize then that I turned auto-renew off so I actually have to reactivate my membership ($199)
10:25am - The wait lines are longer than usual because of COVID and I really can’t move my 10:30am meeting so I give up on getting a video appointment.
11:49am - Out of the meeting and realize my arm stopped throbbing and only hurts when I bend it. From experience, I think I may have slightly pinched a nerve, and I know that honestly the only cure is rest. However, this reminds me that I wanted to call my doctor about something else anyway so I leave a message for his assistant.
1:15pm - I’m absolutely exhausted so I take a 25 minutes nap during lunch. Thank god for WFH because back at the office I would find an empty conference room and sleep on one of the uncomfortable couches. Napping in bed is so much better.
4:34pm - I almost cry reading the essay my boss wrote about me to submit to 30-Under-30. He is an amazing leader, and I absolutely love working with him and everyone else on my team.
4:42pm - I actually do cry reading that Ruth Bader Ginsburg has died. Wow. No words.
6:28 - Having a hard time concentrating on work thinking about the impending demise of our country so I finish working early again today.
7:30pm - We have chicken tenders and wine for dinner and donate to ActBlue ($100)
9pm - A friend makes a Close Friends insta story about being sick and not being able to afford healthcare. I chat with her then Venmo her the amount for co-pays for her first two appointments** ($95)**
Total: $394
Day 6 - Saturday
8:32am - On the verge of being awake I turn over and see my husband reading. I ask him what time it is and he says 8:32. I laugh and roll back over to sleep.
10:17am - Now at a more acceptable time, I wake-up slowly: cuddling with the dog, scrolling through emails and social media, and giving my husband a massage since we have a long drive ahead of us back to LA today and he’ll be at the wheel the whole way.
1:15pm - After cleaning up the house, packing, walking the dog, and a quick lunch we get on the road!
2pm - Have been on my laptop clearing my inbox and trying to get my weekend work out of the way, but I get distracted and into a Wikipedia rabbit hole after reading a logline about a Hasidic Jewish gang that torture husbands into granting their wives religious divorces. Learning about and sharing stories from different cultures is pretty much why I got into this industry so I find it fascinating.
4pm - We switch from music to podcasts for the next few hours and listen to Happiness Lab, Millionaires Unveiled, Hidden Brain, How I Built This, Cautionary Tales, and Thrilling Tales of Modern Capitalism (terrible title, good podcast). We stop for gas at some point ($46.66)
6:45pm - I see our Zola credits processed for things that never got delivered from our wedding registry so I spend the credits on three other things from our registry. Would have cost $84.84 without the credits.
7:15pm - There’s no food in our apartment so we order in from our favorite local spot ($74.70) and quickly run by the grocery store to grab the necessities (aka wine and ice cream) and end up also getting really cool new ice cube trays ($55.56)
8pm - We decide to watch Cuties because I want to see what the controversy is all about. I’m torn because I agree that the director’s choice in close-ups are uncomfortable, but I feel like I’ve seen equally bad child choreo on Dance Moms/Toddlers & Tiaras/Tik Tok and I’m glad the film is prompting the conversations it wanted us to have.
9:30pm - We said we were going to do our usual workout but we do not. Instead we drink more wine and eat ice cream and watch Schitt’s Creek until bed.
Total: $176.92
Day 7 - Sunday
10am - Up to watch a livestream of Church. An incredible message on faith and hope and the future. My favorite insight was about the idea that humans don’t perceive time itself, we perceive change. And in this quarantine time when we all feel stagnant and locked up and unchanging, it’s harder to imagine a future and that is why it’s harder to have hope.
11am - While my husband goes grocery shopping, I throw on a Spotify playlist to start unpacking and cleaning up. I gave him the goal of spending less than $100 on groceries, and he succeeds on a technicality, spending** $99.33** on groceries and on $10.71 toiletries
1:30pm - While he takes the dog to get an allergy shot ($54.29) and a bottle of wine for our friend who got our mail while we were gone ($14.99), I sit down to do some work in hopes that it’ll prevent me from needing any midnight work nights this week.
5pm - It’s Emmy night!!!! Schitt’s Creek, Schitt’s Creek, Schitt’s Creek!!!! So glad we started binging this a month ago.
10pm - Better late than never for our workout before one more episode of Schitt’s before bed. Now that I know season 6 won so many Emmy’s I’m excited to finish the series!
Total: $179.32
Week Total: $1,325.01
REFLECTION
Spending-wise, this week felt fairly high but I know we don’t spend this much consistently and always end up on budget by the end of the month so I’m not worried. We essentially just maxed out our monthly donations earlier than usual, and this just happened to be the week of the month that our car payment went through.
The biggest takeaway for me from this was that it just hit me that we should be able to save at least $50,000 a year, which was more than my husband even made gross last year! That’s exciting and means I should probably start thinking more concretely about our pre vs post-tax strategy and how much we should have in cash versus doing an end of year Backdoor Roth IRA.
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2020.09.25 16:15 Jobskar 24/09/2020 Job Updates

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2020.09.25 15:54 techn0crat McClain's Mailbag - lotta frustration here

Thank you for making this the longest Mailbag we’ve posted. Most of you wanted to vent, so I ran your comments first and the ones that required answers come afterward.
Most of you have given up on the season after the 0-2 start that should be 0-3. I’m guessing you gave up on them after the 0-3 start in 2018. Titans fans gave up last season when they started 2-4. Ravens fans wanted John Harbaugh fired with a 4-5 record in 2018. And don’t forget the Colts’ 1-5 start in 2018 and 10-6 finish, including a victory over the Texans at NRG Stadium? I predicted in August the Texans would start 0-3, so I’m not surprised. Now, if they start 0-4, it’s time to hit the panic button.
Oh, I almost forgot, stunningly, a few of you want Bill O’Brien fired. Imagine that.
Please check out the Chronicle’s two television shows this season: “Texas Sports Nation” airs at around 11:30 p.m. Sundays on KPRC (Channel 2) after NBC's football game. “Texas Sports Nation: In Depth” runs twice a month on AT&T SportsNet Southwest, which also reruns it at different times. The staff is putting a lot of time and effort into the shows, and we hope you like the content.
As always, thank you for contributing to the Mailbag, reading our stories in the Chronicle's print editions and online at Texas Sports Nation, where we also have multiple weekly podcasts. As you do every week, please send your comments and questions to [email protected]. Note: questions have been edited for clarity and/or brevity.
Q: Same BS again this year. There have been many changes, millions of dollars spent, lots of new coaches and plenty more excuses to come. Bill O’Brien is the one constant. He is not a great coach, not even a good coach and still a worse GM. By the time McNair realizes we will be auditioning the next quarterback to lead them nowhere. The excuses are so old. — David P.
Q: Your grade of the HC/GM should be an F. It’s hard to write this during the fourth quarter of this game where I knew, as well as you, the Texans wouldn’t win. But going for it on 4th down in the first half again on our side of the field is flat out stupid. I would have been OK with it in the 4th quarter on Baltimore’s side of the field because we were down by two scores and a field goal wasn’t going to help. If the guards can’t run block or pass block any better than this then I have to call out the GM. Does Bill understand that the rest of the NFL coaches know the offensive line cannot block long enough for a deep route to hurt them. It appears he has built a quick-strike offense fantasy built around deep pass routes that does not reflect the offensive line’s ability to block. Use Cobb and the TEs more and run the clock because our defense is not built to be on the field for long stretches and we surely haven’t scared the opponent defensively. Please do not say we played Baltimore better this time then last time. We lost and until the coaching/drafting/trading gets better, the Texans will always be full of noise and nothing else. — Glenn P.
Q: It's amazing that the Texans still keep getting national television slots. And every time they do Bill O'Brien uses it to showcase really stupid coaching decisions. That David Johnson trade looks bad now, with no one to block for him, and no one to pass protect for Deshaun. And Hopkins is enjoying great success with a dynamic QB and 2-0 record. The more things change, the more things stay the same. The Texans are again proving to not be ready for the start of the season. Those poor guys are bad at everything, poor offensive line play, no pass rush, poor tackling, and boy do they get outcoached. Teams take on the personality of their coach. And OB is never prepared and extremely unpredictable. That offense looks the same to me and so does the sad sack defense. Poor Deshaun deserves better than running for his life game after game. — Ronald J.
Q: I just want to say that I'm sorry you had to sit through the entire Ravens-Texans game. At least I could switch to the U.S. Open golf tournament. I'm not going to rag on anybody this morning. Just some thoughts that seem to me to be reasonable concerning Deshaun Watson. I was prompted on this subject by Brian Smith's first paragraph of his column. To paraphrase, one of these days he is going to shout, “REALLY?” when another questionable 4th down call comes in. There are just a few gifted QBs that have an innate gunslinger quality about them. Watson, Jackson, Mahomes, Favre, and Russell Wilson, to name a few. I think Watson is being mismanaged. The GM/HC is trying to make a square peg fit in a round hole. He is by nature a gunslinger. He is unconventional and they are trying to make him conventional. Turn him loose! Let him use the play called as a suggestion. See what happens when he is allowed to be who he is. My observation is he’s not a pocket QB. I see nothing in Kelly's play-calling that differs from O'Brien. Tim Kelly is an O'Brien clone. He studied and was groomed by O'Brien. What did we expect? I know, it's early. They were expected to lose this game. I just wish they would have gone out on their shields and not pouting on the bench. I know eventually O'Brien will be let go. My recommendation for replacement is Ravens DC Wink Martindale. Have you ever seen a more ravenous defense! You just wonder why we can’t be like that. They do trade film don't they? Weaver should study them until his eyes bleed. — Joe K.
Q: Hopkins is making Kyler Murray an MVP candidate. All Texans fans wish OB would go away. I worry about your sanity if you can't get over the Hopkins trade. Normally when you have fourth-and-1 at your 34, you punt. Why wouldn't you punt? Because your defense is arguably the worst in the NFL. Odds are they’ll be even worse if they are tired. It's one thing to know it another to announce it to the Ravens. Perhaps OB forgot, it's an emotional game. How do you think the Ravens felt then? OB’s got one of the most gifted QBs the NFL has ever seen at eluding a pass rush. What does a pump fake do? It gets DL to raise their hands and DBs to make a move. This is why the Texans are so damn frustrating. Yes, they stink on defense, and yes, they can barely block on most plays, but they still have the magician, DW4. What makes him so elusive? Body movements — subtle and not so subtle just like Air Jordan. It happens so quickly for these phenomenal athletes. It’s more instinct than thought. If you know anyone who has any influence with OB, pay them to whisper the words "pump fake." I bet you DW4 can sell a pump fake better than most. — Juan B.
Q: I was hoping the Texans would not start the season 0-2. The Ravens again beat the Texans. The Texans were outcoached and outplayed. The Ravens organization is clearly at a higher level than the Texans. The Texans' defense again was not effective against the run. The offensive line was not consistent with pass blocking or picking up the blitz. Then there was the fourth-and-1 at their 34. The coaching staff is hired to give you the best chance to win. This was not the best call, ever, on your side of the field against the Ravens defense. The play that was called had no chance of succeeding. This has become an alarming pattern for this team every year. Can we win in Pittsburgh? Not with this play-calling, poor defense and sporadic offense. I’m hopeful for a Texans win, but I see this year being very long and disappointing. — Darryl K.
More Texans Coverage
JOHN MCCLAIN BY JOHN MCCLAIN, STAFF WRITER McClain: Big Ben has thwarted Texans like clockwork
JOHN MCCLAIN JOHN MCCLAIN McClain: Texans' Watson, new receivers still adjusting to each...
JOHN MCCLAIN JOHN MCCLAIN John McClain's takeaways: Less is more for J.J. Watt
TEXAS SPORTS NATION AARON WILSON Texans, Reliant, Touchdown Club give $25,000 to HS football...
TEXAS SPORTS NATION: TV & PODCASTS JOHN MCCLAIN, AARON WILSON Podcast: How can Texans win in Pittsburgh?
JOHN MCCLAIN BY JOHN MCCLAIN, STAFF WRITER McClain: Texans lacking that opening drive
JEROME SOLOMON BY JEROME SOLOMON, STAFF WRITER Solomon: Bill O'Brien lucky to have the only supporter he needs
TEXAS SPORTS NATION: TV & PODCASTS JOHN MCCLAIN, AARON WILSON Podcast: Why the Texans sit at 0-2 Q: The Texans looked a little more competitive but did not show anything to convince me they can beat the Steelers so I'm seeing an 0-3 hole. Hope springs eternal which is essential for Texans fans. This looks like my year to adopt the Cardinals as my team. I lived in Phoenix for 50 years so it's not a random choice. With DeAndre Hopkins playing like he's a Cardinals veteran alongside the ever-reliable Larry Fitzgerald, I'm sure they're a fun team to watch and a nightmare to defend against. I'd like to become convinced that Bill O'Brien knows what he's doing, but the mountain of evidence to the contrary just keeps growing. — Greg G.
Q: If Houston played KC and Baltimore nine more times each, they would lose all nine to both teams. They're probably not in the top five in the AFC! These are the teams they must compete with just to reach a Super Bowl. Houston is not even in the conversation to win it all. This sucks again for loyal Houston fans begging for a winner. O'Brien is the problem, not the solution. I fear we have many years before being able to make and succeed in the playoffs. I see easily an 8-8 team this year. — Rhett D.
Q: I listen to Sports Radio 610 and read the comments from everyone and its all the same old thing — it’s O’Brien’s fault. When do all these high-priced prima donnas start hearing the comments about them? O’Brien got rid of Clowney because he wanted too much money, the same reason that he’s with his third team in three years. He got rid of Hopkins because he had three years left on the contract he signed. When is enough enough? These guys talk about helping people, then buy more cars or more jewelry or go to the strip clubs and make it rain. When do the owners that took the chance and spent their money to buy these teams say enough is enough and lock the doors and say no more, let’s get real on all these demands and I own the team and it’s my way or the highway? They don’t need the players — the players need them. — Tommy P.
Q: Football 101: You can't expect to win by trading away your best players. — Tim H.
Q: Bring DeAndre Hopkins back home. Please get rid of BOB, he's ruining the teams. Get rid of everyone in organization staff and the medical staff as well. — Billy W.
Q: I have lived in Houston and followed sports and Houston is just not a winning town. Look at the poor play in this year’s first two games. You gave them an F. I give them a big F-minus. Okay, you don't win every game, but you should be at the top. We had a few times where we did get to the top but not near enough. Now the best was the Luv Ya Blue days with Bum Phillips. The owner did not like Bum getting all the credit so off went Bum, down went the Oilers. Sports is just way out of control. Look at the pay they get, the best heart surgeon does not come anywhere near. Now the real problem is kneeling when our beautiful flag is presented and the national anthem is played. Protest is no problem as when done in a positive and proper manner. These kneelers have a nationwide audience. What a disgrace for this great country. Remember, these guys are able to kneel because of the veterans. Just find another place and method to protest. I look at the headstones of our military with KIA (Killed in Action) and look what they gave for little pay. This protesting by kneeling has to stop. I and many others no longer watch or purchase commodities from the advertisers. This virus will also hurt. . I stand for the veterans. — James M.
The Houston Chronicle’s Brian T. Smith discusses Texans coach Bill O’Brien’s curious decisions In their loss to the Ravens and whether anything has changed with the franchise. Video: Houston Chronicle Q: It all goes back to coaching and a head coach is only as good as the personnel around him. Frank Broyles passed that on to me a long time ago. And looks like he might have known what he was talking about. — Jim D.
Q: I couldn’t agree more with you on the grade you gave the Texans against the Ravens. It’s probably not too late or too early to get rid of O’Brien as we all figured they would start out slow. That being said even if they go 10-6, they’re nowhere near the quality of the Ravens or the Chiefs. They have way too many holes on defense and even though they’ve got some big-name wide receivers, they are not on the same page. And the defense is absolutely horrible. Why have Kyler Murray and DeAndre Hopkins been able to get on the same page so quickly while the Texans are struggling? I looked at their schedule and based on how they’ve played even though it’s been only two weeks I figure them to be no better than 8-8. That being said, I think O’Brien should be fired. I don’t know who should replace him. It looks like trading Hopkins is a catastrophic mistake and trading Clowney he has also been a catastrophic mistake. Not resigning Reader is a catastrophic mistake. — Glen K.
A: Glen, why was trading Clowney a catastrophic mistake? He didn’t do much in his one season with Seattle and had fewer sacks than Jacob Martin. He’s still getting in shape with the Titans. Would you have given him a $100 million contract? Nobody else has. As for D.J. Reader, good against the run, but over the last nine games last season, including the playoffs, they allowed like 166 yards a game rushing. And they still can’t stop the run.
Q: Any idea why the Texans elected not to have crowd noise pumped into the stadium? Also, what the hell was Bill O’Brien thinking going forward on fourth and 1 on his own side of the field? — Jimmy B.
A: They had crowd noise, Jimmy, but they didn’t have the volume turned up. As for the fourth and 1, the Ravens blitzed and nobody picked it up and the pass was incomplete. Sometimes you’re the bug. Sometimes you’re the windshield. OB was the bug.
Q: I am a Texans fan and will watch and try to be positive, but nothing helps. Why doesn't offensive line push these teams back? Why is our QB constantly trying to throw 30 yards? Why is our center always standing after a play, typically backward and not forward? — Stephen G.
A: The offensive line is off to a bad start against damn good defenses, Stephen. Watson is running for his life and trying to find receivers down the field, and he’s still thrown a lot of short passes.
Q: Your article said Bill O'Brien called the fourth-down tragedy. Later in the article it said Tim Kelly is calling the plays. It looks like an OB call to me. Is O'Brien still calling the plays and Kelly is just a puppet or what? I was ready to turn the game off right after that call. I knew how the rest of the game would go. More of the same with stupid offensive calls. Both KC and Baltimore have active, varied offenses. Coach puts Watson in a position where the offense can't even operate. He continues to try to jam up the middle with his running plays. Isn't there some creativity somewhere? — Chuck W.
A: Chuck, O’Brien made the decision to go for it, and Kelly called the play.
Q: No takeaways about the coaching? I know you graded them F in your report card. Just curious if you had a more profound opinion? Remember OB’s the GM as well. No opinion on any of his trades so far? I know it’s early but I don’t see progress but then again that’s why as fans we look to you for insight. — Francisco M.
A: Francisco, I wrote a column that included OB. I try not to duplicate things in my On the Texans column with my takeaways. Plus, I have to pay attention to what our columnists, Brian T. Smith and Jerome Solomon, are writing. Brian wrote about the fourth-and-1 call and quoted O’Brien. I wrote about it but didn’t quote Bill because we’re not supposed to duplicate quotes if we can avoid it. After a game, we try to cover every single angle in the Chronicle's print editions and on our sports website, Texas Sports Nation. As for OB’s trades, I’ve written about them often.
Q: Now that we are two games in, who is the best quarterback in the AFC South? I know I have heard a lot of hype suggesting Deshaun Watson is the best, but if you go with wins, he is not the best. If you prefer using stats, he is buried behind such stellar talents as Gardner Minshew, Baker Mayfield and Justin Herbert. He is so far below Ryan Tannehill, Deshaun would need a telescope to see up that far. So is it the QB, the O-line coach or the BOB that is the problem with Deshaun? What irked me the most about the coverage of the team is trying to blame the defense. The defense was not good against KC but they held the Ravens to 16 points through three quarters. The lone touchdown was set up by the first of three turnovers by the offense in the first quarter. When you go for fourth and 1 in your territory, you need to make it. Three offensive turnovers in the first half is awful. The defense did let down in the fourth quarter but you could see it coming with their body language. You could tell they knew what we all knew. This offense is awful and they were never coming back. It is going to be a long year. I hope Deshaun survives it. — Tim M.
A: Tim, they didn’t commit three turnovers in the first quarter. As for who’s the best QB in the AFC South, if you ask GMs and coaches around the NFL, I imagine everyone will tell you it’s Watson. You’re already written him off after two games against the best teams in the NFL.
Q: I had a chance to hear your national radio interview on the Sirius NFL station Sunday morning. I thought you were really informative and brutally objective and really gave the rest of the country a sense of how many of us feel here locally. My questions are: How do you prepare for these things? My sense is that you stay immersed in your subject matter and then almost speak a verbal article in the Chronicle. And when did you start feeling comfortable doing these things. Finally, thank you so much for speaking in complete sentences. — Ray M.
A: Thank you for listening, Ray, and taking the time to write. I do so many talk shows, podcasts, Zooms and a weekly television show and write six days a week for the Chronicle — every day but Saturday — and it just comes out when I open my big mouth. I love what I do, and I’m blessed to be doing it for a 45th year at the Chronicle. I try not to turn down anyone who calls me for a radio appearance, Zoom, podcast, etc. if I can work them in. I try to accommodate everyone on a weekly basis.
Q: I'm curious as to why Bill O'Brien never provides specific details on what the team needs to work on after a bad game. It's always, “We need to do better" types of comments. I don't know why he will not provide specific details to the media and fans. Why is he always so vague? — Dan W.
A: Dan, he addressed the bad run defense, Keke Coutee’s fumble, lack of consistency, etc., after the Baltimore loss. He does say they need to play and coach better. He’ll never single out players for criticism, and they appreciate it even if the fans don’t.
Q: I know it’s a long season, but how much longer are the McNairs going to tolerate Billy O’s slow starts and faith-based personnel decisions. For the better part of seven years we have been hearing Billy say, “We have to start faster.” And the last few years, Billy has let go of or traded the best players on the team — Duane Brown, Brandon Brooks, Ben Jones, Glover Quin, JD Clowney, D-Hopkins, D.J. Reader. How do other teams figure out how to pay all these guys but Billy can’t? I know it’s not all Billy’s fault, but after the past few years, shouldn’t the McNairs realize Billy’s a below-average coach, at best? — Louis L.
A: Geez, Louis, you’re so off base on some of your comments. Rick Smith traded Brown and let Quin go in free agency to sign Ed Reed. Brooks, Jones and Reader left in free agency. Would you have paid all of them what they wanted? Would you have paid Clowney $100 million? Teams have to make financial decisions on the salary cap. They can’t pay every player what he asks for. Nobody does.
Q: I am amazed what Jacksonville has done the first two games. Jay Gruden has Minshew playing rather well and his offense looks to be pretty good. Is it possible that Cal's football team is imploding and the brain trust he has in place doesn't know that it is happening? I kind of got excited when the KILT 610 talking heads were saying things about all the speed at WR, and having two RBs who can catch the ball as well as run. And the fact that there were three new coordinators, bringing in new ideas and things should be different and much better. Looks like the OC is simply a clone of the previous one. Not sure about the DC. I still see opposing WRs and TEs running free like last year, and as you have pointed out many times, the run defense has disappeared. But Anthony Weaver is not missing gap assignments and trying to arm tackle ball carriers. Several of the players have gotten paid, but Cal is not getting his money's worth so far. When you predicted an 0-3 start, I figured you probably were correct and I thought those losses would be 2- or 3-point affairs, much like 2018. What I am seeing this season reminds a whole lot of 2005. Seemingly good players and coaches, but terrible execution and suspect game plans. From what you have said and written, Cal will not be making any changes unless the wheels completely fall off. Right now, I think his organization might be riding on the rims, but the wheels are still turning. Albeit slowly. Before the Baltimore game started, I watched the last 20 minutes of Arlington and Atlanta. Can you imagine Cal's team ever doing what Jerry's team did in that game? I feel bad that you have to endure another season covering Cal's team. I would truly love to see you cover a championship team before you retire. — Dennis W.
A: Dennis, if they finish 2-14 like they did in 2005, I expect OB will be fired as Dom Capers was. But I don’t see them finishing 2-14.
Q: I'm holding off any opinion on Kahale Warring at this point thanks to Bennie Joppru, a second-round pick in 2003 who never played a game after going on IR three years in a row. He seems to have played in one game in his fourth year and wound up in Seattle getting into five games and was never heard of again. Saved on laundry bill never having to wash his uniform. It's so easy and fun to be mean when you are a fan. — Larry V.
A: Larry, unfortunately, when I see Warring going on IR for a second consecutive season, I think of Joppru, too. Unfortunately. Maybe he’ll figure it out and make something out of himself because he’s got talent but hasn’t learned how to use it.
Sign up for the Daily Playbook newsletter Texas sports are back! Get the latest scores, news and analysis. Enter your email By subscribing, you agree to our Terms of use and acknowledge that your information will be used as described in our Privacy Policy. Photo of John McClain John McClain Follow John on: mcclain_on_nfl John McClain, a Waco native who graduated from Baylor in 1975, is in his 45th year at the Houston Chronicle and his 44th covering the National Football League, including the Oilers and Texans. He worked for the Waco Tribune Herald from 1973-76, when he accepted a job with the Chronicle. to cover the original Houston Aeros of the World Hockey Association.
McClain has a plaque in the Pro Football Hall of Fame in Canton, Ohio as the 2006 winner of the Dick McCann Memorial Award presented annually by the Pro Football Writers of America to a writer for his long and distinguished coverage of the NFL. He is past president of the Pro Football Writers of America. In 2019, he was voted into the Texas Sports Hall of Fame’s second class of media inductees.
He's a member of the Pro Football Hall of Fame Selection Committee, the Pro Football Hall of Fame Seniors Committee and the Texas Sports Hall of Fame Selection Committee.
In 2015, he was named as a Gridiron Legend in Texas, becoming the third member of the media behind Dave Campbell and Mickey Herskowitz. In 2019, he was voted into the Texas Sports Hall of Fame's second class of media honorees.
McClain can be heard six times a week on the Texans' flagship station Sports Radio 610 in Houston. He also does weekly sports talk shows in Nashville, Knoxville, Waco, Austin and San Antonio.
McClain also has appeared in eight movies: The Rookie, The Longest Yard, Spring Breakers, Secretariat, Invincible, Cook County, The Game Plan and Make It Rain.
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2020.09.24 20:35 the_shaggy_DA Reflections from Rome: advice and suggestions from an Ironman 867 Karling start that became a Roman Restoration WC (LONG Effortpost)

Reflections from Rome: advice and suggestions from an Ironman 867 Karling start that became a Roman Restoration WC (LONG Effortpost)
Here are some thoughts after ironman WC, starting as Karling West Francia in 867 (Charles 'the Bald'), forming Rome, mending the great schism with a new offshoot of Catharism, building Notre Dame Cathedral 100 years ahead of schedule, and bringing an brief end to war across the world. My background is 800+ hours in Ck2 and now 190+ hours in CK3.
Edit 9/29/2020: some of this is outdated after Patch 1.01. Namely, some gripes were addressed (you can stop being obese!) and some tactics were eliminated (no more kidnapping and converting the Byzantine emperor)

The top tl;dr of advice: if you want to WC, make sure you have the right religion for your current situation.
Ah, purple.
Things Paradox did great, especially re: running a big empire:
⁃ managing lots of vassals is MUCH easier than in CK2. it would still be nice to have an easier way to transfer all to de jure lieges.
⁃ much clearer when pressing people’s claims will or won’t have them become your vassals (basically only when it’s for something that’s your equivalent title. no more making some random guy a duke)
⁃ no more hunting for random independent baronies - thank god.
⁃ learning focus is so useful now. the scholar tree bonuses to development really, really add up.
⁃ even if “fabricate hook/golden obligations” is broken, i disagree with everyone who says kidnapping is broken. it takes so many years and so much gold to get the perk, the needed support, and properly execute the scheme. it’s a long path to take, with a lot of necessary investment, for a 95% chance of “instantly” winning a war. Rome wasn’t built in a day, nor was any kidnapping scheme.

Things Paradox needs to change:
⁃ bring back message settings! the tenet ‘ritual celebrations’ means you are drowning in requests to go to banquets. it should be possible for a ruler to say “I’m not going to any banquets, stop asking!” in the same way you can stop seduction attempts for 10 years. someone on here discovered the workaround that leading troops means you don't get those invitations anymore, but i reckon that also means missing out on some interesting events you'd like to have, too.
⁃ similarly, i don’t need to know every time my count Mario finds out his son Luigi is the bastard child of his marshal Wario.
- The battle predictor might as well just be removed for the time being:
Before.
After.
⁃ make it clear who exactly has coinage rights / council seat guarantee / etc. contract perks that cause negative effects when you become their liege! you can’t readily see who is to blame when you acquire new vassals.
⁃ allow for re-negotiation of important obligations on conquest - taking a count and having them kick someone off your empire’s council because of their old contract is annoying.
⁃ let a character get rid of obesity. i had multiple rulers “losing weight” for at least two decades, avoiding feasts, hunting as much as possible, and doing regular athletic “work off some stress,” and they never lost it. come on.
⁃ do something to notify you when your “offensive wars” malus for counties and vassals is going up, up, up. i had a very diplomatic, beautiful empress, who vassals always adored, fight 66 wars. i didn’t realize the “offensive wars” score was down to -55 until my domain counties all broke out in simultaneous peasant revolts.
Peasants hate this, apparently.
⁃ it’s probably too easy to become rich by getting one perk in stewardship and one perk in intrigue, and then finding/creating hooks and making people pay you for them.
- spoiler: >!stop corrupting ironman saves plz.!<

The trajectory: (aka tips for reforming Rome)
Bald Beginnings: 867 start with charles ‘the bald’ karling in west francia. seduction focus to make more bastards means you can make more alliances - safeguard yourself for now from the similarly-sized karling rivals that way.
Dynasty Detente: just ignore the other karlings for starts, because taking one of the kingdoms you have a claim on will get undone while you’re stuck with confederate partition. wait until you have the resources to create a new empire.
Growing Green: start pressing claims for guests in ireland, galicia, etc. random little places to build up your power relative to lotharingia and east francia. strategic marriages to england and byzantine can be useful here.
Falling Fervor: catholicism’s fervor went to shit after one crusade for jerusalem. be prepared for it.
Religious Reformation: eventually had an heir come to power who accidentally converted to islam (for some reason he was hanging out in Hispania before taking the throne). so he converted to Cathar to suffer fewer penalties from Christian vassals, with the added benefit of letting talented women do things under gender equality. many, many vassals joined suit when Cathar’s fervor was high and Catholicism’s was very low. by expanding into galicia early, you can also get the advantage of the Santiago holy site, and pushes into England can give you Canterbury.
Countenancing Catharism: Something no one talks about: CONSOLAMENTUM IS GREAT. If you’re over 60, you can do ritual suicide as a free action. it’s instant. no penalty to splendor. there’s no risk of failure or incapacitation like with normal suicide. your heir takes over exactly when you want them to, and you get -50% to short reign penalty. by the end, it was stacked with other short reign modifiers and I only ever remember seeing "short reign -1" after that point. pretty amazing.
Establishing Empires: formed a custom empire of West Francia (with Aquitaine and Bohemia) instead of HRE because it was faster and didn’t require dealing with princely elective. An unfortunate necessity for avoiding too much splitting under confederate partition.
Pacifying Papacy: stomp the Pope before it’s too late. when Catholicism is deeply depleted, he will have very few allies to call. if he is unlanded, he cannot call crusades on you. but check his wealth before going to war! he can always hire tons of mercenaries if he is rich, which he’s likely to be if there are still lots of catholics out there.
Bleeding Byzantine: the primary regional rival once you are the sole empire in Europe. My suggestion is to learn from the good anti-imperialist guerillas of history, let them start a one-county war with you, and draaaaag it out. they will spend all of their money to have their armies fully raised all the time. you can keep your forces unraised, keep saving gold, and just raise a small force to capture the county that contributes to a ticking war score. if you do this right, you can sink them deep in debt, which keeps them from declaring bigger wars on you at a whim, and increases the byzantine emperor’s risk of losing liberty wars/etc.
Better Beliefs: When we’ve finally got a very stable genius named Ancel ruling the empire, had him create a new faith named Ancelism. it replaced Cathar’s pacifist tenet with armed pilgrimages, allowing for a crusade against a weakened Egypt to massively expand the power base. it also introduced divine marriages for max inbreeding potential. kept consolamentum.

Ancelism's founder ended up marrying his daughter-heir.
RESTORATION: after Ancel died and his daughter-wife Alice took over, she restored Rome. it was sped up by taking Byzantine in one fell swoop.
Sweet Subjugation: how to use the kidnapping technique to cheese taking over Byzantine: 1) put spymaster in Constantinople to get strong hooks on lots of people 2) kidnap the non-zealous, healthy emperor 3) demand he convert to Ancelism 4) wait the ten years to kidnap him again, declare a subjugation war (1000 prestige), and get his top title. The subjugation war for the empire was over in two days, after decades of preparation.
VERY HELPFUL AFTER RESTORING ROME: TURN TOLERANT! Alice the Glorious created her own faith, simply called Romanism. pluralistic, adaptive, and ritual celebrations all mean that: 1) different-faith vassals are less likely to form/join factions; 2) different-faith counties are less likely to revolt; 3) all vassals like you more (and regular feasts help extra). kept consolamentum for added benefit of putting in new heirs as desired and the -50% short reign penalty. given the extremely slow rate of county conversion, running a pluralistic religion is VERY USEFUL for allowing rapid expansion with virtually no civil wars interrupting you. and removing ‘pacifist’ means you can still use holy wars to take duchies / one holy war for a kingdom per ruler. crusades become unnecessary/impossible as successive wins mean your fervor is bottoming out (pluralism keeps that from being too detrimental).
Romanism. Despite re-forming Rome, Alice had less of an ego than her father-husband.
- Someone Said "Space Marines"?: The easiest way to expand, once you're richer and more developed than your neighbors, is to max out your men-at-arms. Be sure to have at least some heavy foot + heavy cav + pikemen in addition to your siege units, and you can have them fight and win 100% of your battles. 1: Place a flag to raise them as close as possible to the enemy capital. 2: Declare war while paused. 3: Hit "raise all" on the flag. Your men-at-arms will instantly spawn - the months of waiting would just be for your levies, which you shouldn't need. Select them and ctrl+click on the map to have your MAA start heading to the enemy capital before waiting for levies. This greatly speeds up war. And if you need them to teleport somewhere else, they can stand down in an enemy's county that you've occupied (if no hostile armies are around) and re-spawn instantly at a different flag. Cheesy? Yeah. But it's too cumbersome doing anything else.

Good job restoring the imperial borders. That's about 2.5 times more impressive than going on a hunting trip.
Swift Senior Succession: If you’re diligent about cultural fascination + learning, you can get house seniority quite early. Then you can successively chain that to get a ruler to do their 1 holy war on a kingdom, then do consolamentum to move on to the next elderly ruler, use their kingdom war, and so on. Yes primo makes life easier, but 1200 A.D. is a long ways away from your 867 start.
Little Limits: going over your vassal limit is EASY as you expand out of Europe - just have a lot of money in advance and maxed out men-at-arms and it won’t hurt you.
-95% to vassal taxes and levies. oh no. anyways,
the negative effects stopped stacking worse at 20 vassals. at some point, you’ll want to remove “forced partition” obligation from your powerful vassals (though it’s super useful in the beginning), because keeping the vassal count below 60 for as long as possible helps you build a mountain of wealth.
- Concluding Conquest: Eventually you may find it useful to put three points into the Diplomacy skill tree and get the "forced vassalization" CB; when you're at maximum tech development it lets you take 11-county rulers in total without having to chip away at them by duchy or claims. Also, when you spot random courtiers with a kingdom claim you would like, they like you but they won't join your court because of -50 base reluctance, the "befriend" scheme will give them an added +75 to acceptance. Then when they're in your court, you can push their kingdom (but not empire) claims and your grateful friend will become your vassal.
Pursue Pluralism: the ONLY time i had civil wars happened when i had my Romanist convert to being a righteous Adamite to get the achievement for being a naked emperor. after a struggle earning the 2,000 piety to convert back, everything became smooth sailing again.
Oops, Offensive: oh, and the one time there was a peasant rabble problem from the “offensive wars” malus going to like -50. but no biggie.
Volunteered Vassals: dread plus “true ruler” from the August diplomatic perk tree can help you successfully offer vassalization to more rulers. this gets even easier if you take the time to individually convert all your prisoners to your religion, but that can be tedious.
Big, happy, family, with an auto-generated motto suitable for WC.
Most importantly: have fun! and don't take it too seriously: i had two ironman saves get corrupted and permanently lost before this one. and this one also ended up a corrupted save, so i still haven’t gotten to 1453. c'est la vie - empires rise and fall.

Memento mori.

image gallery: https://imgur.com/a/hzqtAKk
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2020.09.24 09:11 9892819190000lo [O levels]Any tips or suggestions for my o levels preparation?

Here are some subjects that I’m urgently in need of help.
Ss- for sbq I got 13/35, and it was mainly because I quote the wrong evidence. How do I pull my sbq marks up to maybe 23/35?(Is that too high of a mark?) Im actually panicking over this because although others also had the same practice as me , i am somehow always the person who cant get social studies right. Sighs
Any tips for srq? I looked at all the notes to memorise and its really a lot for that 8 marks.
Elective Geography- I got 34/50. There’s just too much to memorise and it seems impossible to memorise all of them so I memorise little nuggets of information here and there from the notes. Can any senior tell me how y’all managed to cram all that bulky chunk of information into your heads?
And hence i got 59/100 for humanities overall. Which is REALLY badddddd. So im desperate for help for humans and i will welcome any suggestions , even if they might not seem viable.
Chemistry- I got 44/80 for paper 2, and 29/40 for paper 1 and 28/40 for practical. How do I pull them up to a 52/80 for paper 2 and 36/40 for paper 1. Plus is it possible to score higher for practical(it seems that there’s this plateau of 29-30 marks for science practicals)
Physics- I got 56/80 for paper 2 and 31/40 for paper 1. BUT, 14/24 of my class got A1, so I suspect the paper might have been too easy. And this is the only subject I haven’t finished the Tys for. How do I make full use of my Tys then(do I do it without referring to notes first or what). I’m planning to get 52/80 and 36/40. Any tips?
E math- I got 80/100 for paper 2 and 71/80 for paper 1, so about 84/100 overall. However, from what I’ve heard from my seniors, I need a 90 and above to get A1. So taking into consideration of moderation, i probably got B3? Any tips to help me get 72/80 and 90/100 for E math?
My not-so-urgent subjects English- I got 20/30 (7/10 and 13/20) for situational writing and 24/30 for the essay, so I think I can probably push up for situational writing score . Any tips?
Higher Chinese-ok I just hope I can pass my hcl decently and I got 48/80 for paper 2(when half my class got A2). I really wanna pass lol so any tips for my 理解问答?
Poa-can any one tell me the marks to scoring A1? I got 88/100 but I heard from my seniors I need a 93 to get A1. I got 50/60 for paper2.
Any tips for improving paper 2?
A math- i got 86/100 for paper 2 but again, with moderation i probably wont get A1? Any tips for reducing careless mistakes?
Also can any one list down the cut off point for A1/A2/B3 for the subjects( some subjects require a higher mark for A1)
To all graduating students: hang on there and hold back your tears. We should really treasure the limited time we have now. I felt like crying over my humanities grades but decided ill just go cry in a karaoke room after o levels. So lets not stop studying!
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2020.09.24 08:34 anahitaasharma India's Best Government Health Insurance Schemes

In the current environment of severe health risks, people have been forced to prioritize their health over everything else. One positive thing that has emerged from the crisis is that people are increasingly becoming aware of the importance of having health insurance. In India, there has been a 30-40% rise in the number of health insurance policies being bought this year.
The Indian government has always been formulating policies for improving public health. These include a long list of government health insurance programs as well. There are a number of schemes apart from the recent Ayushman Bharat Yojana. Here’s a list of the top schemes.
  1. Rashtriya Swasthiya Bima Yojana
This scheme was launched to provide health insurance to the Indians below the poverty line. It entails cover for hospitalization costs upto Rs. 30 thousand. Pre-existing illnesses are covered. There isn’t any age limit, and it can cover you, your spouse, and upto 3 dependents. Premium is paid by the central government.
  1. Employee State Insurance Scheme
As the name suggests, this government health insurance initiative is for protection of worker populations and their families. It provides them with various cash benefits for illnesses, permanent or temporary disablement. It is meant for factory employees (non-seasonal), shops, cinemas, hotels, road transport employees, and newspaper establishments. It has been implemented in all states except for Sikkim, Manipur, Mizoram, Arunachal Pradesh.
  1. Central Government Health Scheme
This scheme has been designed for employees of the central government and their families in specific areas. It entails allopathic, ayurvedic, Yoga, Sidha,homeopathic, and Unani treatments.
The benefits of Central Government Health Scheme are as follows:
  1. Aam Aadmi Bima Yojana
This is a security scheme for the benefit of landless rural families. The family head is provided cover under this LIC (Life Insurance Corporation) scheme with an age limit of 18-59 years. A premium of Rs. 200 is given by the state and central governments. It offers a compensatory amount of Rs.75,000 in the event of death due to accident and disabilities. In the occurrence of natural death, a compensatory amount of Rs. 30,000 is provided. There is also an added benefit of scholarship for children of the policyholder.
  1. Ayushman Bharat Yojana
The main objective of this scheme is to extend cooperation to healthcare systems of the states. States with a State Health Agency are included under this government health insurance scheme. It provides a cover of upto Rs.5 Lakhs for tertiary and secondary medical care. Central government schemes such as Senior Citizen Health Insurance Scheme and Rashtriya Swasthya Bima Yojana are being subsumed under the Ayushman Bharat Yojana. It entails cashless and paperless transaction benefits and aims to cover 10.74 crores of rural poor families and specific urban worker family members.
  1. Universal Health Insurance Scheme
A health insurance program introduced by 4 public insurance firms, this government health insurance scheme provides health cover for families in need. There is a limit of Rs.30 thousand on sum assured for hospitalization costs on a family floater system. It also includes accidental cover worth Rs. 25,000 for the policyholder, plus a daily compensatory amount of Rs. 50 in case of income loss. A premium of Rs.200 is assigned for individual policyholders, Rs. 400 for families of 7, and Rs. 300 for families of 5.
Conclusion
Life is uncertain and you cannot predict when your health might fail you. That is why, health insurance should be an essential in your financial plans. As soon as you begin earning, you must get yourself a health insurance and life insurance cover before investing in anything else. If you haven’t bought one yet, it’s never too late. Here’s an excellent option for you to consider.
Health Insurance, available on Finserv MARKETS, has both individual and family health insurance options.
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2020.09.23 18:22 Anon1571791 27 [M4F] #Seattle I'm looking for a much older woman preferably BBW/SSBBW for ANR/ABF mommy/son serious/life long relationship.

As the title says. I am not looking for a sugar mama, I have my own job and make money to sustain myself but I do eventually want to cohabitate.
I am looking for a sensual and nurturing woman to build a life with. I am a switch but I prefer a sub lifestyle. I enjoy being told to give a massage, bathe a woman, do chores while you relax with a glass of wine, be breast fed while being held tightly in your arms and being told how much of a good boy I am. This of course not being allowed to call you by your name but instead calling you by mom and exploring a incest roleplay 24/7.
I am a nerdy guy but I wlso enjoy the outdoors. I never huff and puff about having to go out instead of playing video games. It's a preference that you enjoy nerdy stuff but if not that's cool and would enjoy partaking in your hobbies. Also I have a preference for women between 18 to 30 years my senior, yes that'll put most women I am looking for in their 40s and 50s. Also it'll be a plus if you were chubby, overweight, bbw, or ssbbw.
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2020.09.23 12:03 remote-enthusiast 53 remote jobs from various job boards

Hello friends! These are the open remote positions I've found that were published today. See you tomorrow! Bleep blop 🤖
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2020.09.22 12:03 remote-enthusiast Collected 44 jobs

Hello friends! These are the open remote positions I've found that were published today. See you tomorrow! Bleep blop 🤖
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2020.09.21 16:23 MeestaBarrista Great salary/benefits, but poor quality of life

I’m very fortunate to have my job. I’m an air traffic controller in the US, which means great health insurance and a good salary. I’m 36, and not qualified to do anything that would pay nearly as much.
My schedule is such: Wednesday and Thursday off, then I work Friday and Saturday night, then a day shift Sunday through Tuesday. My husband has a standard M - F/ 8-5 job. We don’t have any days off together unless we’re on vacation. Date nights are nonexistent.
I’ll never have Christmas Day off. We bid days by seniority, and I’m so low on that list that it’ll never happen, unless my regular days off happen to fall on the holiday.
Of course, I knew it would be like this going in. But I hadn’t met my husband yet, and I was working at Target at the time. I went from making $8.50/hour to a six figure salary. Weekends off were not a priority at the time. And, we now have a one year old, and I’m pregnant. I don’t want to miss out on family time and holidays while my kids are young.
Plus, ATC is stressful. I enjoy parts of my job, but the pressure is real.
So, two questions for you all: 1. Am I stupid for even considering a career change at this point? I truly am grateful for my job, but I’m concerned that I’m choosing money over happiness. 2. What options does a 36 year old with a bachelor’s degree in English, years of customer service, and ATC experience have?
Thanks in advance.
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  1. 10 Minute Home Workout For Seniors The Body Coach TV ...
  2. GREAT 20 minute exercise workout for Beginners and Seniors ...
  3. Dating over 50, dating sites for seniors - YouTube
  4. 5 Minute Toned Arm workout For Mature Women Over 50 At ...
  5. 30 Minute Senior Zumba Cardio Workout - YouTube
  6. 6 Old Bodybuilders (Over 70 Years Old) in Great Shape ...
  7. Senior People Meet & Dating - YouTube
  8. 7-Minute Yoga Workout for Older Adults - YouTube
  9. 15 Minute Indoor Walking Workout Low Impact! - YouTube
  10. Jobs for 50+ Years and Older Work From Home - YouTube

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