MrTPlush
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Everything posted by MrTPlush
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Or that we would have actually kept them if the Yelich deal didn't happen. Good chance we just ship them off somewhere else...at least 1 or 2 of the bunch. Brinson seems like he would have been traded regardless. If they really thought highly of Brinson why did they trade him in the first place? He was an MLB ready 23 year old that absolutely obliterated AAA pitching. He played CF and had pretty good defense. At face value his potential was way higher than Yelich, could have been paid $500k, and didn't require shipping off three more players with him to get a career .800 OPS corner outfielder. They probably wouldn't admit it, but I am guessing the Brewers front office wasn't that high on Brinson if they shipped him off like that. Not saying they hated him and thought he was a future bust, but there is a reason they shipped him off with three other guys for what seemed like a fringe All Star at a less than premium position.
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I don't know that Monte Harrison was a lottery pick. He was coming off a huge breakout year before that trade happened. I would have to find a list that went beyond the Top 100, but that offseason I think he was a fringe Top 100 guy. Not only that, but he looked like a guy ready to fly up rankings after his 2017 season. If I recall correctly I also think he dealt with injuries early on. His breakout year was the first time he had 500 PAs.
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The utter failure of everyone in this trade for the Marlins is kind of incredible. Even Isan Diaz and Monte Harrison are getting pretty old. Both of those guys are going into their age 25 season. That is getting pretty old for guys that have been in pro ball their entire adult lives. It is a prove it year for all of those guys. If they can't be half competent this year they probably never will be.
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Housing inventory will warm up with the weather, but so will interested buyers too. If it is in a good location and is free of major problems they just don't last on the market pretty much anywhere in Wisconsin. For the reasons you mentioned I don't see the big foreclosure boom many see. They are really trying to help avoid that and even then...not like it will be nice family homes. More likely to be lower end housing that really isn't what is driving the market. Maybe some areas will have a foreclosure problem, but for the most part the housing market is dominated by people trying to buy a home during low interest rates or trying to take advantage of low rates and all their built up equity to upgrade homes. I saw an article that believed there could be a housing shortage of starter homes in the next 10-20 years as people buy them now, prices skyrocket, and then people won't want to move and have their mortgage rate go up 2%+.
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I calculated it out once. Compared Roth vs. Traditional using realistic investment growth and a reasonable tax rate increase (as in not going to doomsday normal person paying 45% like some think we will eventually head to). I wish I could remember where the break even point was for tax rate increase...but thus I do not. The way I calculated it out they ended up within a couple hundred thousand of each other, slight advantage to the Roth. The total account at the end was around $4mil so that couple hundred thousand difference wasn’t much in all honesty. As I said before I think Roth is a bit overrated and I do think people miss a lot of important details. People always seem to ignore that compound growth the traditional has on that untaxed money. It certainly is not a no brainer decision.
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I make my contributions Roth, but my employer match goes to traditional. I just think of it as diversifying between the two so whichever ends up the better in the end I am half good. Of course some day down the road I will start moving it all to traditional. I’m far off, but I envision my income staying about the same in retirement if not slightly more. So in my later years Roth really won’t make sense unless some tax hike looks obvious at the time.
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After Yamamoto’s debut many felt like we gave up this stud pitcher and finally a piece that went to the Marlins was going to haunt us a bit....and now he is the first one DFA’d by them I believe.
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I think you lose the pre tax advantage of the 401K....unless you are allowed to take it out pre tax and then invest it elsewhere but I am guessing that's not allowed. Are you maxing out a Roth? You are correct she would lose that opportunity at pre-tax retirement savings, but the intention was to put it in Roth regardless. So that potential benefit to the employer 401k isn’t applicable in her case. While I don’t think Roth is the slam dunk no brainer it is made out to be (depends on the persons goals/age/situation), she being so far off of retirement it is probably a safe bet to be the better scenario in the long run.
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The significant other is starting a new job that has a 401k, but any potential amount they put in on their part has nothing to do on what you put in. There is a .125% asset based admin fee and then whatever you invest in has a fee. The investment options sound limited too. Would she just be better off starting an account elsewhere? I know a bit about investments and retirement investing, but not sure the costs non employer sponsored plans have. Of course I’m not looking to go wild and have the ability to move funds around a bunch. Mostly just looking to let it sit in something that follows SP500/DOW as we aren’t close to retirement age.
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I usually have mushrooms that I add to frozen pizza. Fresh whole ones I cut. Big upgrade to a cheap frozen pizza.
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If it is a pizza that was originally a softer chewy crust I will microwave it. Honestly tastes better that way versus reheating in a pizza oven. There is a place in my small hometown and it is definitely better reheated in a microwave. The crust is not really intended to be crispy and for that reason keeping it soft in a microwave is the way to go. Now Pizza Hut thin crust, definitely hitting up the pizza oven with it. The outer crust being a crunchy cracker is 99% of what makes it amazing. Ruining that crisp in a microwave is nasty. I can do thin crust pizza cold, but not a fatter crust and I’m not sure how people do it. The consistency of the dough is terrible cold. Closest comparison would be a bread loaf 3 weeks past it’s best by date. I can’t stand the the cheese on such a pizza cold either. Just not my thing.
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I've heard of NY style and Chicago style... but what is Detroit style? Tastes like defeat? There is St Louis style pizza too...specifically involving provel cheese.
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I’m behind: 1) There are select pizzas I don’t mind microwaved up...and prefer it for reheating purposes. However, I usually prefer a pizza oven for reheating. 2) I also have an Ooni, Karu to be exact. I enjoy it and it’s pretty rewarding if you get serious with 24+ hour dough proofs. 3) I literally didn’t know Rockys was an actual pizza place that would have its own building and not just some random mall food court pizza until a year or two ago. I grew up in the Eau Claire area and there was one in the mall food court. Only time I ever saw one so I assumed it was a food court chain. I actually just moved and live a mile from one...haven’t gone to it yet. Excited to order a fresh one and see how it tastes, only ever had the single slices off the warmer. I also didn’t know it was mainly Wisconsin based until about 40 minutes ago when I looked it up.
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I love supporting local farmers and businesses in general...but $9.50 for a 12 inch frozen pizza...? 9/10 I tell my wife to get some sense when she wants the $6ish Portesi. Of course I have bought a $5 half gallon of milk once to support a local farmer so I am sure I will pay $10 for a frozen pizza too. On another note, the reason I dug this thread up, I’m not a huge fan of Lottza Mottza. Stupid amount of cheese for the amount of crust. HOWEVER, there is a new artisan crust that is a thicker crust and WOW. So much better! I believe it is the same price as the normal crust, but not sure as I bought it when there was a $4.50 sale. Highly recommend trying.
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I guess I should clarify Phoenix area, not necessarily literally in Phoenix. I guess for a typical Wisconsin person even Phoenix is going to seem expensive. A decent vacation house that will bring in lots of short term renters will cost ~250k at least. I think they couple I know bought around that a few years ago. Obviously has a pool etc. that people would look for. I don’t think it is a great investment to get into. One is better off just doing Air BnB themselves when they go on vacation. Just invest money in something more worthwhile. More lucrative and less stressful. Not to mention you won’t feel tied down to your vacation rental when you want a vacation. You can just go wherever you want.
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There is a lot of stress/work and expense into a non local rental property like that. The most success I have seen with it is at higher end properties that attract more laid back people. Not million dollar homes/condos, but not something that college kids and cheap families will be seeking out either. It can pay for the mortgage IF it is in a highly attractive area that is pretty year round. Phoenix area is really really good for that. It’s affordable to get a vacation property and attract renters pretty year round. I know someone that snow birds and they say even the non peak time sells really well for them and helps pay for the place.
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It isn’t the credit check that hurts, it’s the age of accounts that takes a big hit if you don’t have a ton of accounts, historically. Honestly, one should open up 2-3 credit cards ASAP in their early adult years. Your age of accounts is already pathetically low so what does it matter. Then never cancel those cards so it helps you down the road. Only if one can use them responsibly of course.
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The fastest, most efficient, and best outcome customer support is on Twitter. Not kidding. Part of the reason may be the fact they are all US based people and I also think the public complaint creates a motivation to make better amends. A phone call complaint is seen by no one else, but on Twitter the whole world can see it. Just make sure to tweet at the customer support page for a brand, most seem to have a dedicated page for support these days. Calling Spectrum is usually a terrible pain in the butt experience...but Twitter is super easy and they are great.
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I'd love to see the breakdown of how you came up with this.... Well, it would depend on any bundles one does and how many boxes they need...or if they need DVR. If you start wanting to have those things for 3+ rooms cable gets ridiculous. I calculated it and after the first year deal it was going to be about $1k more for cable.
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The time it takes to set up a streaming service is approximately 10 minutes. Changing streaming services, if you feel the need to do so, 20 minutes. Hardly a hassle and no one has to come into my house...or charge me rent to use a box. You also don’t have to call to cancel and return equipment etc. A hassle would be TV contracts or the massive price hikes cable customers see...that most then call, threaten, and complain over multiple phone calls to get reduced. I’m not sure what I would value the ability to watch the Brewers at...but I know it isn’t an extra $1,000+ a year. Everyone has their things they spend money on and don’t feel the need to find ways to save on. I have seen people cling to cable over way dumber things than the Brewers/Bucks. I know someone that has it because no streaming service will let them have the History channel and another specific channel they like. $1,000 seems like a hefty price to make sure you can watch Pawn Stars, but hey...not my money. Of course I am the kind of person that will switch around my bank account every 6-12 months to get $500 account opening bonuses. I know many won’t go through that kind of effort.
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I think it is generous to call it a cable alternative. Technically you are “cutting the cord”, but its still the same concept. It appears to be cheaper, but still waaaaay more expensive than other streaming services. Offer like $200 to sign up, stuck in two year contract, massive increase in the second year. From a Google search it looks like after the first year it is almost double YouTube TV cost wise.
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I looked into AT&T TV for about 10 minutes...looks like it is pretty much just expensive as cable, pass.
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Hulu has fast forward DVR if you get the upgraded DVR...which is $10. As it stands that makes it the same price as YouTube TV, but will actually make it more expensive when the price for Hulu goes up in a few weeks. We will see how standalone RSN works...I see a lot of issues. If it is a standalone product the sports fans have to shoulder the entire cost...where now it is divided among all the subscribers. For that reason I doubt it will be anywhere close to cheap...even for one regional area. It also seems you would have to stick people in a year contract for financial reasons. If not Brewers fans or Bucks fans would just drop the service after the season ends. I can't imagine how bad subscriptions would be if the Brewers/Bucks suck. Subscriptions would plummet after a month or two of the season if they suck. That is before even considering the revenue sharing problems and how MLB would respond to it.
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Is that where a lot of the NBA teams have their broadcasts? I know that is the case with the Bucks, but I wasn't sure if that was common for most teams like it is with baseball. The FOX RSNs are a disaster for Sinclair right now, but I don't know if they can really afford to have them entirely off the streaming services long term. They will have to figure out something.
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YouTube TV has a much better platform, and it isn't really close IMO. It really is pretty awesome. Hulu Live TV has gotten a lot better in the last 12 months, but YouTube TV has better responsiveness and fewer glitchy issues. Thanks, I know a few people with Hulu...no one with YouTube TV though. It does seem most of them have issues with Hulu on a pretty regular basis. One time the Packers game crashed on an intense final drive...talk about a cringe moment. I am hoping the FOX RSNs will come back before the start of baseball season. From what I read a major reason that hasn't happened yet is because COVID pretty well ruined the sports seasons and right now there is not much reason to try and make a deal because now those sports are over.