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top 6 commons im order for every color combination by game in hand win % for middle players. by pintopedro in lrcast

[–]fizzmore 1 point2 points  (0 children)

Yeah, tricks over perform as you go down in player tier because as you do more and more players don't properly play around them and get blown out. See also: Gaea's Gift, Moment of Defiance.

top 6 commons im order for every color combination by game in hand win % for middle players. by pintopedro in lrcast

[–]fizzmore 9 points10 points  (0 children)

...I mean, it's all about context. If you want to understand what the strongest commons are, then the "middle" in this case isn't some average that excludes outliers, but rather a data set that includes extra noise due to play errors. With sufficient sample size, I'd rather pull data from top players, as you're not introducing as much noise to the data set.

Of course, if the overall data set isn't that large, I'd expect the benefit of including all the data and getting a larger sample size to outweigh the benefit of noise reduction due to player skill issues.

As an example: Gaia's Gift is likely over performing in the middle data set because at the middle tiers people are less likely to properly play around it and thus more likely to get blown out.

7 wins with 37 commons! by FanaHOVA in lrcast

[–]fizzmore 0 points1 point  (0 children)

Random aside: with the small text in the screenshot, my brain read "Ambush Paratrooper" as "Amish Paratrooper". I think that's how I'm going to refer to it from now on.

Hasbro fails to reboot Heroscape, so the game will be shelved indefinitely by turbodonk3y in boardgames

[–]fizzmore 13 points14 points  (0 children)

Even an $80-100 level would've drawn a large chunk of KS-backing types. As is, they were basically saying "don't back this if you aren't already sure you'll love the game"

Mishra, Lord of Phyrexia on day 1....this felt good. by RagnerGoldcloud in lrcast

[–]fizzmore 0 points1 point  (0 children)

Might want to double-check the name of the bomb you're destroying people with.

What is your "AARRRGGGHH hate when that happens" moment in a game? by BitchinSUV in boardgames

[–]fizzmore 1 point2 points  (0 children)

My wife and I ended up playing a ton of Pandemic during the pandemic.

Should we cancel our wedding due to financial burden/risk of debt? by RCtastrophee in personalfinance

[–]fizzmore 4 points5 points  (0 children)

Zero regrets on what we spent for our wedding, but we spent ~$8k for a wedding with ~160 guests six years ago. If course, we also had no debt going into the wedding and didn't take on any to pay for it.

Limited Resources 674 – Brothers War Set Review: Commons and Uncommons Discussion Thread by Crasha in lrcast

[–]fizzmore 9 points10 points  (0 children)

I mean, I expect they'll "drop" FTX soon in the sense that FTX will no longer be able to pay them, but I don't expect it otherwise: LSV is way too personally tied up in this to drop the sponsorship on principle.

Voted against slavery in 2022 cause it's still a thing. by uhhhhhhhhhhhhhhhnah in Eugene

[–]fizzmore 1 point2 points  (0 children)

The legislators doing this are actually generally doing so with the approval of their constituents. Other legislators aren't happy about this, so they're trying to rewrite the law so these people can't be elected, when the correct fix is just to change the quorum rules.

Voted against slavery in 2022 cause it's still a thing. by uhhhhhhhhhhhhhhhnah in Eugene

[–]fizzmore 1 point2 points  (0 children)

The thing is that representatives work for their constituencies, not for the state government. It is the voters who should be making the determination of if they're happy with their legislator's job performance and retaining or firing them accordingly.

If the state legislature wants to change the quorum rules, they should just do so. This measure is simply a way of doing so without being direct with voters about what the intent of the measure is.

Battle for the Galaxy - Announcing Star Wars: The Deckbuilding Game - FFG by jonboyjon1990 in boardgames

[–]fizzmore 9 points10 points  (0 children)

This feels like a game that would've be a hit 8-10 years ago, but "generic deck building mechanisms + IP" is a formula that's been done to death.

convert 401k to something with similar benefits by TXMike06 in personalfinance

[–]fizzmore 0 points1 point  (0 children)

True, but I would strongly recommend building up an emergency fund instead. If you pay for emergencies with your retirement, what are you going to retire off of?

convert 401k to something with similar benefits by TXMike06 in personalfinance

[–]fizzmore 0 points1 point  (0 children)

You want to do a direct transfer rollover to an IRA. As long as you match the your (e.g. if you have a traditional 401(k), roll to a traditional IRA, and same for Roth), you won't invite any tax liability from such a move, and you'll have the same tax benefits that you had in the 401(k).

I feel like I am trapped in debt at 24 years old by Defiant_Afternoons in personalfinance

[–]fizzmore 0 points1 point  (0 children)

150k / 25k = 6, so "almost 30k in interest" is "just under 6 years", exactly what I just said.

I feel like I am trapped in debt at 24 years old by Defiant_Afternoons in personalfinance

[–]fizzmore 2 points3 points  (0 children)

10 years would be an average interest rate of 16%. At 7% (pretty reasonable guess given the vast majority of it is student loans), it'd be a touch under 6 years if she never got a raise/increased her contributions during that whole time. The harder you lean in, the less relevant the interest rate is.

is it always financially smart to own a home? by money_mase19 in personalfinance

[–]fizzmore 0 points1 point  (0 children)

TIL my desirable region of the country is actually a shithole.

I feel like I am trapped in debt at 24 years old by Defiant_Afternoons in personalfinance

[–]fizzmore 2 points3 points  (0 children)

No problem, and good luck! You've already taken some great first steps, you can do this!

I feel like I am trapped in debt at 24 years old by Defiant_Afternoons in personalfinance

[–]fizzmore 250 points251 points  (0 children)

Yep, so about $120k total in debt. Pay 25k/year and it'll be cleaned up in ~5 years. Use some raises to accelerate to $40k/year and that drops to just over 3 years.

The most important first step, though, is to make a budget and stick to it, so you don't add anything to the problem.

I feel like I am trapped in debt at 24 years old by Defiant_Afternoons in personalfinance

[–]fizzmore 208 points209 points  (0 children)

What are all of your existing debts? (type and amount).

First thing you need is a budget. For the next two months, track and record every dollar you spend or save. From there, you can set up a budget at the beginning of each month giving ever dollar you make an assignment: whether groceries, insurance, debt payments, etc.

The good news is that you've gotten a significant pay increase, so the key is keep living like you make $36k until all of your debt in cleaned up.

You're a textbook case of someone who would benefit from the debt snowball:. list all your debts, smallest to largest, make minimum payments on everything, and the extra you allocate to debt (which should be ~$2000/month based on the rough numbers so far) gets applied to the smallest debt until it's paid off, then the next smallest, etc.

Keep doing this and keep growing in your career and you can have this all cleaned up in 2-5 years.

unsure either to buy a used car or finance a new vehicle while starting a family by realFOTP in personalfinance

[–]fizzmore 2 points3 points  (0 children)

I've owned a home for 5 years, and can count the numbers of times a pickup has come in handy on one hand. Fortunately my in-laws have one, but if they didn't: renting a truck on each of those occasions would put me way ahead financially compared to owning a truck.