OldSchoolSnapper
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Everything posted by OldSchoolSnapper
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I own and I love owning, and I love doing extensive DIY upgrades. However I've always felt like the idea of a house as some cornerstone part of your portfolio is exaggerated and in most cases due to luck more than anything else. And my house has appreciated $100k+ since buying in 2014. Yeah rent is a constant payment for eternity. But you are not replacing the roof, HVAC (this is currently like $10k due to supply chain crisis), painting siding, cutting your grass. Yet I constantly see people claiming things like "Yeah we made $80k in the sale." No, you really didn't. You did like $25k in sticker price maintenance in that time + all the labor and costs associated with routine stuff. In most scenarios, I feel like the kind of money you make in a sale over a house you lived in for a long time would be dwarfed by what you could do in the markets. I fully understand that it's not intended to be the main investment vehicle, I just have always felt that people really exaggerate its actual value as an investment. There are always stories where a guy bought a house for $150k and the is now worth $1.7 million (think booming vacation spots), but I personally don't even consider my house when planning for retirement. It'll be paid off or whatever, but I'm not really looking at it as something to extract value. It's just a place I have to live so I bought modest and just what I needed.
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For reference, Rodgers garnered 46 votes last season, to Josh Allen and Patrick Mahomes' two apiece. Rodgers won last year's MVP award going away (44 votes, to 4 for Allen and 2 for Mahomes). The voting will likely be closer this year, but it is still very much Rodgers' award to lose. Can't be right. I've been told they're neck and neck. Don't they know Brady threw 6 more TDs and 5,000 yards?
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Steve Karsay stepping down - REPORT
OldSchoolSnapper replied to patrickgpe's topic in Milwaukee Brewers Talk
When they blow two games in April, I'll definitely be told this is the reason. -
I've been binging Succession (HBO Max). About halfway through Season 3 and loving it.
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That's a great point. And I can't imagine them putting NE/BUF on Monday night instead of Saturday night. I believe Monday night is the biggest general TV night in the country but that means competition. There's not a lot of that on Saturday at 7pm or Sunday ever. Saturday afternoon would seem to be the weak slot and the matchup seems to fit that.
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MNF isn't the eyeball advertising timeslot, Sunday is. SNF has had superior games for years. That Monday night slot is probably the worst one of the weekend other than Saturday afternoon. It's not a coincidence that KC/Pitt and SF/DAL got the Sunday spots. The Monday game being 5pm isn't really of much consequence. I am guessing the ratings will be just fine if not quite high. Football fans love the playoffs. I don't even catch every Packer game but I will likely check in for at least part of all these games. Really looking forward to them. There was really nowhere else to put it though; not a chance AZ/LAR was getting prime time.
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The number of guys coming back at the end of the year makes you wonder why load management isn't more of a thing in the NFL. You don't have as many games so you can't afford to lose many, if any. But with how brutal the sport is and how much worse the scheduling has gotten, it doesn't sound that crazy to give Kenny Clark or something 2 weeks off a year.
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I tried to watch the Lost Daughter because it was critically acclaimed but my God, I couldn't do it. I'm OK with a slow burn that keeps me guessing but I was unbelievably bored. There's a huge discrepancy between critic and audience score.
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Football is much more match-up driven than baseball. Baseball really boils down to pitcher vs. batter (and random outcomes) over and over. Football is entirely schematic, way less random. A recent example would be 2019 when the Packers drew Seattle in the 2nd round. Seattle split with SF that year in two nail-biter games, but they were a poor offensive line and didn't really run the ball. Their offense played in GB's hands a bit, and the Packers knocked them off. SF threw 6 passes and embarrassed the Packers, twice. So yeah, sure, everyone has a chance to win and all the teams left are some level of good. But give me Jalen Hurts over Tom Brady.
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I'm not even sure a lot of folks are waiting for anything. There's a major shifting demographic with more people not having kids at all, getting married later...I think way more people are now just happy to rent perpetually and not deal with any of the burden that can come with a house.
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We bought our house in 2014. I really did not want to buy a house at the time at all. My wife was pregnant and relentless about it to the point I'd get home and she'd say "we have a showing tomorrow at 1:00." The market was really bad for sellers at the time but I was just out to lunch on all those kinds of things. It ended up being the luckiest financial move of my life to this point. We went USDA, 0 down at 4.25% on a 4BR that had been sitting for 9 months. Our offer $206k was accepted, $15k below list. A year later refi'd at 3.25%, then I just refi'd again to conventional last November to remove PMI as the market value is now above 300k. By not having to ever do the huge down payment thing I was able to pay off my sizable student loans (% between 5 and 6) way ahead of schedule. My payment was something like $256/mo but I was paying a very painful $1200 on it for a couple years. When I got done doing that it felt like I got some huge promotion. We love the area so we'll be here until kids graduate HS, then either become snowbirds or just move altogether...not sure on that yet.
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When Does The Lockout End? Answer: March 10th, 2022
OldSchoolSnapper replied to jjgott's topic in Milwaukee Brewers Talk
I'm fine with advertising patches depending on how much David Gruber is willing to pay. -
The majority of people sharing info are going to be those doing well and/or those with an interest who've taken the time to learn best practices. It'd be like going on a running forum and coming away with the idea that the country is super healthy.
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I'd still always pay down a student loan. Mine were a great source of stress for me in way that a house just isn't. I can't sell my degree if I enter hardship. But I can buy a cheaper house and customize it to my needs, and sell it at retirement if I feel like it. A mortgage is really the only kind of debt I don't stress over. I try to pay off cars within 12 months if I can't pay cash in full up front.
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I think mortgage vs. investing is highly dependent on several variables. If I had a $600k (assuming WI prices) mortgage an outstanding balance like that would give me anxiety even if I could easily sustain that standard of living. At a lower-priced home (assuming it is well beneath means) I am much more comfortable paying the minimum and investing all excess. I think where a lot of people go wrong is telling themselves they'll do that and not actually doing it. Cars, boats, etc. I would never want to carry around regardless of rate. I totally get the mental peace of paying a mortgage down early and if you do pay it off early it probably does feel great. However if I ran an extra $500/mo through a simulator to see what it would have done in the markets over 25-30 years and instead chose to pay down a mortgage, I think I'd probably start crying at the numbers. In reality if you paid a mortgage off 8 years early or funneled that amount toward retirement instead, you probably are doing just fine.
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LV would be making a huge mistake not just giving the job to Rich Bisaccia in my opinion. He has earned it and if there was a team that should have folded this season, it was them.
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Rodgers-Adams kinda feels like a both or neither situation here. Can't imagine Rodgers would respond well to him playing somewhere else.
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I dunno how much this matters as a low seed playing WC weekend. You're going into a gauntlet for a month regardless. But, yeah, I'd rather play Cincy.
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I would say there's probably at least as good of a chance of one of the Eagles or 49ers winning as neither winning. Agreed. I see the Eagles putting up a very good fight against an extremely depleted Bucs team. 49ers are just plucky enough to give the Cowboys a game too. All three NFC matchups are going to be pretty fun next weekend, as Rams/Cards is a pretty even match. Not so much on the AFC side, though. I think the Bengals are going to whoop the Raiders, and the Bills should have no problem with the Patriots, at least on paper. The Chiefs are going to annihilate the Steelers. I see the Rams blowing out the Cards and the Eagles putting up a gutsy showing but ultimately not keeping it all that close. SF/DAL is the one that I definitely think can swing either way.
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I would say there's probably at least as good of a chance of one of the Eagles or 49ers winning as neither winning. It would amount to like another 17 hours of rest. I think a smidge too much of a deal is being made of it. We get a week off and don't travel which trumps any kind of scheduling advantage. We also played on Saturday night as a 6 seed the year we won the SB, so I imagine this sort of things happens a lot.
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I don't think so either. They were set up in shotgun and at least looked like they were going to throw before it was called. Carr's postgame interview really made no sense. He said "yeah definitely" when asked if it changed their strategy at all and then immediately followed with "we were trying to win the game regardless" or something like that. And apparently had been texting Aaron Rodgers all morning.
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I have no problem with what they did. I just don't think it would have been some egregious bad look if they decided ok, we tried, but there's an actual chance we blow this, so let's just kneel. 100-kneel down game is funny but would never actually happen.
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I agree. Playing for the tie strategically would have made some sense and certainly would have made me giggle. But it would be a very bad look. I don't really agree. If the point is extending your season it would've been completely acceptable at the end there. If they'd both come out and kneeled 100 times, yes, but there was clearly an earnest attempt on both sides to win by that point. In the last few seconds I think it would have been completely acceptable for OAK to decide a blocked kick isn't worth it and kneel.
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I wish they'd just missed the kick on purpose and told nobody.
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Meh. I would much rather watched Herbert again than the Steelers lose to KC convincingly.
