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nodakfan17

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Everything posted by nodakfan17

  1. nodakfan17
    AFC South football in general is just Meh.
  2. nodakfan17
    Sorry, but that doesn't check out. Interest rates are at historic lows, and have been for some time. I think nodakfan is saying that they can charge higher interest rates on the loans they provide therefore they are ok lending to people who wouldn't have qualified back in the day. Thanks, homer. Yeah, it’s not so much about the level of interest rates (pretty low since 2009), but rather the difference between the market rate and what banks actually charge. Hypothetically, let’s say banks were once limited to charging a maximum of 2% above the market rate for auto loans. They had to stick to well-qualified buyers because they couldn't afford to lose any of the principal. Today, without a cap, banks have a little more leeway. For example, they might be able to lend to a recent college grad at 3% above the market rate. 50 years ago, this person may not have qualified for an auto loan. The default rate for this type of borrower may be higher than the typical well-qualified buyer from 50 years ago, but the bank is compensated for the extra risk in the form of higher interest (collecting 3% above the market rate instead of 2%). Generally speaking, providing credit to a broad range of people is a good thing. However, it has created issues for some folks who have overextended themselves.
  3. nodakfan17
    Brooklyn Nine-Nine was just renewed for an 8th season by NBC. Their 7th season has yet to premiere (returns in January). It’s not all good news for the Nine-Nine, as cheddar the dog passed away last week.
  4. nodakfan17
    No favors from the rest of the league today. I guess you could count the Patriots over the Eagles as beneficial to the Packers (since they’d hold a potential tie-breaker over the Packers), but I was really pulling for the Broncos, Lions, and Cardinals today. All 3 were in it.
  5. nodakfan17
    Elizabeth Warren* wrote a personal finance book in 2005 called All Your Worth. She has an interesting hypothesis that states (and I’m simplifying) a lot of the financial trouble folks run into these days is a result of a change in banking laws, which eased restrictions on the amount of interest banks could charge. 50 years ago, people couldn’t borrow more than a year’s salary to buy a vehicle because banks didn’t want a customer to overextend themselves and default on an auto loan. However, today, banks aren’t quite as limited and are much more willing to make all kinds of loans (auto, boat, ATV, etc.), provided they are compensated for the added risk in the form of higher interest rates. * this book is apolitical (and a recommendation for fellow personal finance nuts)
  6. nodakfan17
    I have a young son. It’s my aim to pay for every dollar of his education, but I haven’t started a 529 yet. Instead, I’m focused on paying off our mortgage early. Once we own our home free and clear, those mortgage payments will turn into tuition payments. I figure he can always borrow for college, but I can’t borrow for retirement.
  7. nodakfan17
    Regarding Jeff Janis, I’m surprised he hasn’t been able to stick as a #6 WR somewhere, given his special teams prowess.
  8. nodakfan17
    Watching the Vikings lose is almost (if not more) enjoyable than watching the Packers win. Go Broncos!
  9. nodakfan17
    This rumor has gotten way too much in the way of legs. I hate the Patriots with the best of them, but that's an extreme accusation to make if there isn't the evidence to back it up. https://www.rollingstone.com/culture/culture-news/robert-kraft-sex-work-trafficking-florida-823153/ Thanks for that article. I was under the impression the charges were dropped because the evidence was gathered incorrectly. However, it seems like the warrant was obtained on false pretenses. Likely an overzealous police department or DA. I’m not one to call for heads to roll, but I hope someone loses their job for dragging these people through the mud. I really don’t care what happens between consenting adults, provided both parties are truly consenting.
  10. nodakfan17
    Meanwhile, Robert Kraft has received zero disciplinary action for his role in supporting human trafficking.
  11. nodakfan17
    Pretty much the reverse of the season’s first half.
  12. nodakfan17
    I just picked my winter coat up from the cleaner’s and the bill was $40. I had guessed it would be around $25. Could have probably just bought a new one for $100.
  13. nodakfan17
    Is Desmond Howard a bust if he isn’t the Super Bowl XXXI MVP?
  14. nodakfan17
    Wisconsin probably ranks up there in terms of affordability and options, but I’ve always been envious of students from Minnesota who enjoy reciprocity agreements with Wisconsin, Iowa, North Dakota, South Dakota, and even Manitoba.
  15. nodakfan17
    I’m rooting for the Cowboys tonight. Yuck.
  16. nodakfan17
    That’s all I was thinking on that last drive. It simply can't be assumed that everything plays out the exact same in the second half. Different deficits, different game plans, everything. It's like in baseball when a guy gets caught stealing to end an inning and then the guy at the plate leads off the next inning with a HR and people are upset. But you just don't know how it might have played out differently. My personal read on the situation is as follows: Is this going to be a shootout? Then go for it. Is this going to be a low scoring game? Take the points. In today’s NFL, I think 14-10 would constitute a low scoring game where points are at a premium.
  17. nodakfan17
    Meh ... I won’t be too much of a sad sack because I’m happy they’re 8-2, but they were also the beneficiaries of an unforced fumble and a tipped interception. You have every right to look at this team however you want. Their talent level is much the same as a lot of the other teams but the fact that they’ve found their way to an 8-2 start has given them a great opportunity to do something special. Enjoy it a little bit. Don’t get me wrong, I’m enjoying this season ... just proceeding with an abundance of caution.
  18. nodakfan17
    So the Rams have a wunderkin HC and spend a bazillion dollars on free agents and are only 5-4? The still have the Ravens, Cowboys, 49ers and Seahawks left on their schedule.
  19. nodakfan17
    Meh ... I won’t be too much of a sad sack because I’m happy they’re 8-2, but they were also the beneficiaries of an unforced fumble and a tipped interception.
  20. nodakfan17
    That’s all I was thinking on that last drive.
  21. nodakfan17
    2-point conversions are ~51% successful.
  22. nodakfan17
    Yah that made zero sense...at all. The upside to that was pretty much non existent unless we ended scoring zero more points and they then scored a TD to win. Past that they aren’t many realistic scenarios where that did anything positive. If I were a Panther fan, I wouldn’t hate the call. You’re on the road and 2-point conversions are a 50/50 proposition. But why not give it to CMC?
  23. nodakfan17
    Ron Rivera has had a winning record in only 3 out of 8 seasons as the Panthers HC (excluding this year), yet has a career record of 76-59-1.
  24. nodakfan17
    Maybe his middle name is Irving. It’s Patrick
  25. nodakfan17
    This will probably go down as one of the best weeks of the year. Honestly, this has been a ho-hum season. A few good teams, lots of bad teams, and not many good matchups to date.
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