guru_007

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About guru_007

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  1. I'm not sure what you are looking for here.... I've used Rotowire in the past as I liked their draft software. HOWEVER, the past 2-3 years I haven't used anything other than my own projections. I had a great year last year and have decided to do 15+ leagues this year and decided to get Rotowire software. NOT a fan. In fact, this thing is ####### awful. They made some interface changes, and this thing sucks. Quite honestly, I'm probably going to ask for my money back for the first time ever with any fantasy sports product. I'd avoid at all costs. I actually was optimistic as I saw they snagged a few columnists (including Todd Zola of mastersball who I see now contributes there and I'm a fan), but this product is just ####. There's my two cents.
  2. Hoffenheim 2/18 over Darmstadt
  3. Torino over Pescara 2/12
  4. Real Sociedad over Osasuna 2/5 Manchester City over Swansea City 2/5
  5. 2/1 Manchester United over hull city
  6. okay, not to be a #### here, but 1-Would it be possible to sort the spreadsheet so that our fallen comrades are shifted to the right, gone but not forotten? 2-It may help eliminate some confusion if we used American vernacular for teams. Last I checked the Nerazzurri was the nickname for Inter Milan. Inter Milan played Palermo on 1/22. I Blucerichiati is the nickname for Sampdoria. Sampdoria played Atalanta on 1/22.
  7. Atalanta over Sampdoria
  8. Do you have kids? I understand this is your personal philosophy, so who am I to poo poo on it, but others have mentioned similarly. And I'm pretty adamantly opposed to this as the be all, end all advice. I don't believe there is any one size fits all personal finance advice....but, allow me to retort, because I hate the old, you can't borrow for retirement adage. First off, everyone that posts here is in different stages of life and make varying salaries. I'm probably a little older than some in this thread. I have a child in college now. I have junior in high school and then one more to go. I started saving for college for the oldest about 15 years ago, and I wish I had ramped up savings on each earlier and more when I had the chance. College is EXPENSIVE and only going to get more pricey on down the line. Further, in my humble opinion, a college education is the best option I can offer to hopefully propel my children on a successful, rewarding career (read, get them the hell out of my house). Seriously though, you only have 18 or so years to save for college educations. And in MOST cases even less because lets face it, young children are expensive - I know my day care costs during the summer where almost double my mortgage - so it's hard to be in a financial position to start diligently saving early on, which limits the amount of time to save even moreso. That only allows you a modest window of say 12-15 years to HOPEFULLY catch a bull market and see a decent return on investment on these funds. Now, I was lucky int hat my oldest is bright and received scholarships. In fact, we were able to save enough for that one, that we'll have excess funds to bump on down to the younger two. If I wasn't lucky with a decent market and scholarships, we certainly would have fallen short on one if not all 3, by a lot. Also, while you can borrow for college, it is quite costly and burdensome to do so. I did not want to hinder my children with anchors upon graduation, rather I wanted them to explore and find something rewarding (hopefully financially sooner rather than later). I believe if it's within your means to save for retirement, you should also be saving for higher education if you have children. As I mentioned the time constraints on being able to save for college, your time frame to invest for retirement is much longer, often times 30-40 years. You receive a supplement in retirement in the form of social security. And, while you can't BORROW for retirement, although there are financial tools available such as reverse mortgages that really can let you borrow for retirement without having to pay out, you can ALWAYS WORK LONGER. I know that's a bad phrase around these parts, but that's life. A child in my eyes, is a responsibility. Not every child can, or should go to college, but that money doesn't just disappear if they choose not to (or maybe they do at a later date in time). And while consumer debt is a huge concern, student debt is also a tremendous concern and most credit card debit goes hand in hand with tuition debt. I'm pretty pro-college, I know, so this obviously has a slant to it, but I really hate people saying they are putting off college funding until they are able to max out that, or max out this, or whatever. You should at the very least hit the minimum to receive the maximum employer match on a retirement plan. But, you're doing your family and children a disservice by foregoing saving for their education. Oftentimes people spend this money on vacations, new cars, bigger houses, etc... I just say this, wait until that tuition bill(s) hits your door and hopefully you'll be able to help out significantly with this expense. And like anything, starting early is always better. Lastly, I'll just add, that while you can't borrow for retirement for the elventy billionth time, successful children have been helping parents for hundreds of years. And I hope my children read this post in about 30 years from now. g'luck
  9. Answering a phone call or replying to a text in the middle of a meeting is completely rude and unacceptable in my book. That being said, it's increasingly become the norm in today's society. People are so connected all the time, they cannot imagine not taking a phone call or checking their phone constantly for a text. I can't see what is so urgent that can't wait for 30 minutes. Are you a heart surgeon on call? Whenever I am in a meeting, be it with a client, a vendor or even an employee, I treat is as I would when I go to church, I turn off my cell phone, turn off my computer screen and put my office phone on do not disturb. Seriously. It can wait.
  10. All aboard :choo coo: Napoli 1/15
  11. we still doing this?
  12. Sorry, but you're just fooling yourself here. I like how you laid out the math and tried to justify how you think you're coming ahead leasing. But, truth be told, you never ever ever are. Leasing was created so that American's spent more than they could afford for a vehicle and so they could upgrade and always have something new. Is it wrong to lease? That's a personal decision, similar to paying off your mortgage early. I'm not going to argue for car buying vs. leasing. I've done both. The only pros of a lease are you get to drive a new vehicle and never have to worry about maintenance really. If you can qualify that in some way for carrying a lease, go for it. Do you think you can't get great deals on vehicles by buying them outright? Do car dealers want inventory sitting on their lot, or coming back to them?
  13. So, your brother has been there for 10 years, is in good standing, presumably likes his job and does well there. Is asked to sign a non-compete agreement, and now has decided to risk his livelihood by not signing it? Seems a bit extreme to me as he was not intending on leaving beforehand. I get it. About 15 years ago I asked for and was given a rather large promotion and pay raise at my job at the time. The owner of the company drafted up a non-compete for me to sign before giving me the position and pay rate. I was mad at the time, but slept on it, had an attorney look it over. Basically I was told this was fairly standard as I was climbing up the corporate ladder and I should just ask for a geographic limit placed on it, which I did and they added it and I signed. As an employee I took it as my bosses not trusting me. But at the end of the day, they were just covering their asses too. And realistically what were they going to get if they sued me? Unless I did something malicious or stole trade secrets, etc... which I wouldn't have really done anyway. I actually did end up leaving that position in less than a year for greener pastures, but left on good terms, the NCA was a total non-issue. I'm definitely not a lawyer, I just don't think the boss here is going to go out of his way to sue every ex employee that signs this and tries to prevent them from getting a job elsewhere. Would become too expensive, and probably will get no satisfaction out of the verdict. Boss was obviously burned up by a sales person stealing clients, wouldn't you be if you were in his position? Maybe acting after the fact was a bit tactless, but I was working there and saw business being pried away from the company I worked at, it would burn me up a bit too. This is his livelihood, no? Of course, if he was already looking to move on, this is all moot - just not the way I read the post.