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LouisEly

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Everything posted by LouisEly

  1. Two walks, two other batted balls that don't leave/shouldn't have left the infield. Can't have that.
  2. Wild pitch by Palencia with a runner on 3rd followed by a Pham single and AZ up 3-1!
  3. Aaaand somehow the D-Backs botch a pop-up to 2B that allows Hoerner to score all the way from 1B.
  4. This isn't exactly true either. Property taxes have no bearing on your real estate ROI. You always pay property taxes; if you're not paying them directly, you're paying rent which has property taxes baked in. If it's rental property, your tenants are paying the property taxes with their rent. My rental property outside of Madison had $6.5K in property taxes last year. My tenants paid $40K in rent. I still earned between 14% and 35% on my initial investment, not including free cash flow on rent. The extra money that you put into your mortgage payment to pay it off early has an opportunity cost of being invested elsewhere and earning compound interest. Every investment advisor will tell you to put your money towards the highest interest rate. It's better financially to invest in the market and earn, on average, 10%, than pay off a 5% mortgage early. Paying off a mortgage early is a psychological benefit, not a financial one. In your scenario, if you purchased a $500K home with 10% down ($100K) at 5% interest, in order to pay it off in 3.5 years you would have to pay an extra $8.2K/month towards that loan. If you invested $8.2K/month at 10% interest, you would have $414K in 42 months. That's $14K more than the $400K loan you paid off. More importantly, that $414K is growing almost $3.5K/mo at 10% interest, more than enough to pay the $2.1K monthly payment on the loan if you paid it off over 360 months instead.
  5. Career vs. PHI: Burnes: 0.55 ERA, 0.796 WHIP, 13.2 K/9, 4.00 K/BB Woodruff: 1.76 ERA, 0.783 WHIP, 10.3 K/9, 3.50 K/BB Peralta: 4.01 ERA, 1.176 WHIP, 13.1 K/9, 6.00 K/BB The Phillies lifetime numbers versus them suggests they don't do very well against the Brewers.
  6. Given that you purchased in 2009 (I bought my rental properties in 2011) I assume there has been significant appreciation. Given that it's a rental property, I assume you have not lived in it 2 of the last 5 years and thus will need to pay capital gains taxes on the appreciation of the value. Something to consider. Have you had an attorney review their offer? I wouldn't necessarily trust the bank or your realtor. My gut feeling - don't take the offer. If they stop paying, you'll have to sue them and they likely have deeper pockets and can afford better attorneys than you. Not exactly true. It's true that real estate only goes up slightly more than inflation. But it is appreciating on the value of the property, not what you've put into it. Consider a property worth $500K. You place 20% down, or $100k. Real estate appreciates on average at 2-3% per year (my rental property is 5% compounded from when I purchased it). Let's assume 3% per year. That 3% is on $500K, so it goes up in value by $15K. But you've only invested $100K, so your rate of return is $15K/$100K = 15%. Now, 12 years after I purchased my rental properties, they are worth ~$500K. If they appreciate at just 2% this year, that's $10K in value increase. But I only put ~$70K down, so my ROI on my initial investment is $10K/$70K or 14% (excluding rental income or repairs I have put in to them). If they appreciate 5%, my ROI on my initial investment is $25K/$70K or 35%. Let's say I was living in them and not collecting rental income. I've put about $30K in repairs into them (had I lived in them this would be a lot lower as most of that is flooring/paint from tenant damage). On 2% appreciation this year my ROI would be 10% for this year ($10K/$100K). On 5% appreciation, my ROI would be 25% ($25K/$100K).
  7. FFRHX https://money.usnews.com/funds/mutual-funds/bank-loan/fidelity-advisor-floating-rt-hi-inc-fd/ffrhx Someone who knows more about bonds than I do tell me why this would be a bad investment while interest rates are high.
  8. Because with Houser on the IL they will likely need him as a starter at some point during their upcoming 17 games in 17 days stretch. Right now, Rea is the 5th starter.
  9. I thought this was the official state song?
  10. Frelick over the last 28 days has a .514 OPS. Yelich is .589. Tellez needs to be the DH vs RHP. Yelich or Frelick needs to sit.
  11. I"m out of market and have YouTube TV. It was on FS1. Even if for some reason you get a different game live they almost always show a replay of the game sometime within the next 2-3 days.
  12. Duke saved the biggest upset for the last game of the weekend.
  13. The Dodgers starting rotation is now down to Kershaw, Bobby Miller, Lance Lynn, Emmett Sheehan, and... ? Suddenly they aren't looking like the steamroller many thought they were.
  14. Kolten Wong was released by the Mariners a month ago. He signed with the Dodgers on August 9th. And in true Dodgers fashion, he homered in his first plate appearance with the Dodgers.
  15. Hard to believe it was just two years ago that he was a 27-year-old with an OPS of .949 and was one of the budding young stars of the league. Feel sad for him that his injuries made him washed up by the age of 30.
  16. Regarding the D-Line: 1) Most of the time they only had two DL on the field. They're not going to get much production from the DL with only two DL going up against five OL. In the second half it looked like they played three DL more frequently, but I don't have numbers to back that up. B) Buffalo completed 26 passes for 194 yards, but 51 of those yards were on one play. Outside of that pass, the average yards per completion was 5.72. They were throwing quick passes more than UW was. Hard to get pass rush when the ball is out of the QBs hands within two seconds. And, to his credit, their QB did a good job of throwing the ball away when he sensed pressure.
  17. After watching the rest of the Big Ten West this weekend, I think it's still safe for Badgers fans to book hotel rooms for 12/2 in Indy.
  18. My guess is Uribe through Sosa, then see where they are. Milner threw 16 pitches yesterday and 14 on Friday - can he go a third day in a row?
  19. Welp, now that the no-hitter's out of the way, how long do you go with Miley? Still only at 70 pitches. Through Harper?
  20. And McLain, India, and Votto on the IL. They weren't on the IL when the Brewers played them six in a row around the All-Star break.
  21. Yeah, the wind knocking down three home runs that would have given you a loss isn't luck or anything.
  22. The defense that gave up 45 points to Michigan and 63 to Georgia in the CFP last year? Yep, three of them.
  23. TCU had eight players drafted this spring. They lost a ton from last year.
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