SerenityNigh's latest activity

Is that the guy who’s been accused of multiple rapes on different women? It’s a no from me. Call me old fashioned.

Is my Birthday. Send gifts.

£12.5M seems like a lot, but then I remember that Fred always wears an ascot so that's probably just the cost of doing business.

What were you banned for under your previous alias?

The tax issue isn’t that important for players getting drafted since they don’t get huge contracts to start with. It’s a much bigger deal in free agency. It was because the last two were in South Korea and then China, which is too far for them...

Remember you’re asking this question to 18 year old kids. Winnipeg is barren and frigid and there’s not much to do. Toronto and Montreal pile insane and unwanted amounts of pressure on players. Calgary, Ottawa, and Vancouver are all poorly run...

Never a truer word spoken on this fine forum.

And for transparency, I don’t succeed in following the 50/30/20 myself. I have a great job but I also have child and spousal support obligations that eat a substantial % of my after tax income. My mortgage is under 1/3 of my income, but I don’t...

The old advice was the rule of thirds. 1/3 for essentials, 1/3 for savings and investment, 1/3 for lifestyle. I think that is impossible for most in the current climate. I think 50/30/20 is a more realistic split. 50% needs, 30% wants, 20%...

Never rely on ChatGPT, for anything. It's not great.

the problem with chatbotGPT is sometimes it makes mistakes and you don't notice unless you already know the math, so it's worth it in most cases (especially with a mortgage) to learn to do the math yourself or get advice from an accountable human...

Someone called Artetamoney offering financial advice to someone called roguetrader is peak GrandOldTeam

This entirely depends on your circumstances.