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KeithStone53151

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Everything posted by KeithStone53151

  1. KeithStone53151
    I personally am not going to be overly concerned with acting quickly. The last two offseasons have been unbearably slow. I don't see any reason for them to all of a sudden move more quickly. Prior to those 2 offseasons, the teams that did best in the offseason were generally the teams that waited for other teams to blow all their payroll and made value signings in January/February.
  2. KeithStone53151
    I'm surprised the judge didn't immediately throw this out. Or that any lawyer would take the case. I'm pretty sure lawyers only get paid if they win, so they risk wasting their time on a very high likelihood of getting nothing.
  3. KeithStone53151
    I feel like I followed almost the exact same pattern. I cut cable with the plan to get antennas for football, netflix and hulu was I think $20ish/month combined, and sling for $20/month(which included a free roku upon subscribing at the time). This was way way cheaper than cable. After I think 5-6 months, I realized we simply didn't watch sling much at all...were almost always watching netflix or hulu. So we cut Sling and are extremely content with hulu/netflix. Fortunately for me, I'm able to stream brewer games using parents credentials on foxsportsgo. It's frankly amazing how easy it is to move away from cable if you just don't have it. We did recently add the bundle for espn+ and disney+, so our cost went up a few bucks per month. She seems incredibly happy with the disney+ offering...and still way way cheaper than cable at the end of the day.
  4. KeithStone53151
    I kind of doubt it as well. Netflix has so much content they create themselves along with all the other shows/movies they get rights to. And the price point is so low. As long as you watch a handful of times per month, or you're hooked on one or two shows that are Netflix originals...it's easy to justify keeping at the price point. At the end of the day, it's great for us consumers if Netflix feels pressure from Disney+ and lowers their price or improves their offerings or does something to try and compete.
  5. KeithStone53151
    I feel like it's hard to do anything more than provide the information and let kids make their own decisions. Can't risk identifying certain kids that maybe aren't cut out for most 4 year degrees and pushing them toward a trade school. The key is for the stigma of trade schools being a bad option to simply go away. There is certainly something to be said for getting done with school at age 19 or 20, making surprisingly good money, working set hours, and never taking your work home with you. Especially considering those jobs will only pay more and more while less and less people go into those fields. Simple supply and demand.
  6. KeithStone53151
    I may be a bit out of touch on some of this stuff. I was making low 40s coming out of school and I thought I remember my bi-weekly paychecks being in the $1,200 range. Maybe my range is a bit high. You make a good point about location, I'm sure Milwaukee area is a bit less expensive to live than many other states. I also did live at home and paid off my entire student loans in about a bit over a year...and bought a house maybe 9 months later at the very bottom of the housing market. Not everyone is that disciplined though, but frankly you don't need to be to pay down your loans quickly if you choose to. $750 surplus seems reasonable if you have a roommate and control your entertainment expense, but you can build an emergency fund for those first 6 months that your loans don't accrue interest or require repayment out of school. Maybe you can't quite double it, but even paying $600 instead of $350 per month probably gets the loans paid off in something like 4 years versus 10 years.
  7. KeithStone53151
    I agree with the first part. As long as you pay your loans back, I don't care if you get a degree in sitting on the couch and watching tv. Fact is, those degrees are less likely to land a good paying job right out of college. I wish kids approached things moreso with the mentality of "what education options will result in a good paying job while maximizing my skill set" versus "what do I wanna be when I grow up!".
  8. KeithStone53151
    I can definitively tell you that this was NOT the emphasis when I was in high school something like 15 years ago. It was "be what you want to be", which is how you end up with so many psychology and liberal arts majors. It was also a 100% college or bust mentality. There was never any push to look into becoming an electrician or welder or carpenter or anything like that. A bit refreshing to see that's being pushed a bit more.
  9. KeithStone53151
    I remember, something like 10 years ago, my dad telling me that he couldn't get enough bodies to operate presses at his company. They were offering $14/hour to people with high school only and zero related experience otherwise, and a guarantee of something in the $18-20/hour range a year later when fully trained. People would come in for a month or two and stop showing up, or couldn't pass a drug test. It seemed crazy to me at the time considering this was in 2010-2012. I know of a few young people who looked into going to tech school for stuff like welding, electrician, plumbing, etc...once established you can make a very good living working those types of jobs.
  10. KeithStone53151
    I did most if not all the right financial things while in college, going to a lesser UW school than Madison, and walked out something like $23k in debt after 5 years(150 credits required for CPA). And frankly, I don't see anything wrong with that amount of debt...it really shouldn't be difficult to pay that down in your first handful of years after college. When you walk out of college, most people will walk into a job paying something like $45-55k a year. Some better, some worse depending on your field...but a good chunk of people walk out into that range. That's probably something like $2.8-3.5k per month after taxes/benefits/etc. Most walk out with no kids, no mortgage, probably wind up with a car payment, but very little of that take home is fixed into big stuff like that. There's absolutely no reason most kids can't be pumping $600-800 or more per month into their student loan debt and getting it paid down in 4-5 years...or at minimum taking a massive chunk out of it the first 2-3 years before the other big stuff starts popping up. But most kids don't understand that(insert required personal finance course). Shiny new tv, $900 for the newest iphone, $100+ a night at the bar 3-4 nights a week...and instead make the minimum payments on their student loan debt and take 20 years to pay it off...complaining the last 15 about how they shouldn't have to pay for it.
  11. KeithStone53151
    I'd agree. I'd rather face Seattle than 49ers. I feel like eventually, 49ers would wear down our front 7 and run all over us. All while our offense struggled mightily...mostly because the defense is so good.
  12. KeithStone53151
    It's fuzzy, but I may have taken one as an elective class in high school. But the version I recall was simply out of touch. I was also required to take a much better version of this class in college, which helped immensely with decisions I made from ages 21-24 that were seriously game-changing financial decisions in the best possible way. If I had my way, that college version of the course would be required in high school...with a massive emphasis on student loans and how they impact your financial situation in the future. If kids still leave high school and make dumb decisions, well it is what it is at that point. You can lead a horse to water.......
  13. KeithStone53151
    I have a bit of information relating to new sign stealing protocols. I happen to know that starting for the 2019 season, MLB employed a person to be in each clubhouse for every game. Their sole job was to monitor players, managers, video personnel, etc and report violations. Yes, their job was basically to be a narc. I have to assume this was in response to the 2017 and 2018 allegations(against many teams). I also know that the Brewers had multiple accusations leveled against them in 2019 for sign stealing or otherwise unacceptable actions during games...all of which were reviewed and refuted by MLB. I think a lot of people in baseball saw home/road splits for certain Brewers, notably Yelich, and thought we may be relaying signs.
  14. KeithStone53151
    Right, I feel like JosephC is going to pop on here soon and say 6 years of Hiura has around $40m more value than 1 year of Betts does. But don't say that to the Cubs...their fan forums have dreams of trading Bryant for Jo Adell
  15. KeithStone53151
    Not to go too far off topic, but this is exactly why every high school should require students to take a personal finance course or 3. This is such a big decision for such a large percentage of the student population, these kids should be thoroughly aware of how much debt they'll have at the end...what their payment will be...what kind of salary they can expect...what that means for take-home pay...income to debt ratios for buying a house. I believe I was way ahead of the curve(for my age) with understanding the finance side of things at age 17 when I had to make these decisions(currently a CPA)...but looking back I probably understood about 10% of what I needed to understand to make an informed decision. That said, you make a choice and you have to live with the consequences. Literally everyone can do more to live a more frugal lifestyle to improve their long-term outlook...and in many cases that includes cutting back on some things to pay back student loans faster. There's plenty that can be done going forward to prevent the next generation from encountering a similar issue.
  16. KeithStone53151
    I think we're better off bringing in a big name FA pitcher for only $$ than we are trading Hiura for 1 year of Betts.
  17. KeithStone53151
    With an elite talent like CMC, you don't take him away. You try your best to limit him, but that's easier said than done. Hard to argue Belicheat isn't one of the best coaches ever, and they just got their clock cleaned by Lamar Jackson and the Ravens. CMC is similarly an elite talent...it's not going to be easy to even limit this guy.
  18. KeithStone53151
    Hiura is still young and can definitely improve at 2b. What we saw last year isn't what we'll get for the next 5-6 years defensively. That said...he definitely has some work to do and I'm sure he knows that. I hope that's a point of emphasis for him this offseason.
  19. KeithStone53151
    Depends on if we're using the juiced ball or not. Hiura is probably an .825-.850 OPS guy with the old ball. Maybe last year he was. He's only 23 and has the skill set to significantly improve his production in the coming years. Just like with Happ and Schwarber, projections should be assuming young players will improve at least through age 27...especially those that are elite prospects with elite bat speed.
  20. KeithStone53151
    I don't think complaining is the right approach to this "boomer" thing. We should be mocking them for coming up with something so stupid...
  21. KeithStone53151
    I think I'm with Joey on this one. I don't think Carolina will be able to slow the offense down much. Our corners also SHOULD be able to win in man coverage most of the time against their WR, so theoretically we man up everywhere else and gameplan the rest of the defense toward slowing down CMC as much as we can. Sounds great in theory, but CMC is ridiculous so easier said than done. I would like to think we can win a high scoring game though. Rodgers at home vs this rookie QB on the road in cold weather...
  22. KeithStone53151
    The Cubs projections seem oddly well done actually. I would probably say Contreras is a 1.9 WAR while Heyward is a 1.3 WAR(which just swaps the 2...in what universe should Pina project better than Contreras?)...and Happ and Schwarber seem a touch optimistic, but they are also approaching that golden age for hitters so it makes sense.
  23. KeithStone53151
    Hiura 825 OPS, oh boy. That projection has to be at least 50 points below what the projection should be and about 100 points below what probably happens. I'm a bit surprised they consider Pina a 1.8 WAR catcher with 60% playing time. That seems really high. Pitching projections seem like a complete waste of time, they pretty much project everyone within 0.5 of a 4.25 ERA and randomly assign innings/starts.
  24. KeithStone53151
    Where are you guys seeing this? I haven't gotten an email from my rep and can't find the info on my own.
  25. KeithStone53151
    He'll get 4 years of arb instead of 3. We still control Hader for 4 more years.
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