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owbc

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Everything posted by owbc

  1. Makes sense. Curious to hear your libertarian perspective on PPP loans.
  2. Why didn't you invest the money and do a bulk payment when interest collection resumes?
  3. There are 43 million people who owe student loans and the average monthly payment is something like $300 or $400. So you can do the math on that and see how much money is going to be coming out of the economy every month starting this fall. It's absolutely going to put a noticeable dent in consumer spending (I would guess low-to-mid single digit percentage but that's still significant). I can't imagine more than a quarter of people with student loans actually stashed away those payments (and I say that as someone who did). You would have to have been an idiot to make payments while the interest rate was zero. Most people just spent the money because many needed to and the rest have the financial literacy of the average American or worse. I doubt there will be many defaults, most will go on income-based repayment plans and whatever other help the Biden admin comes up with. I don't mind paying them back but after what happened with the PPP loans it feels kind of icky. Given the interest rates of mine and my income, the math says I should be frugal and pay then down quickly so I probably will.
  4. The smart thing for the Mets to do would be to give up on 2023 and sell at the deadline. They have pieces that could return prospects if they are willing to eat salary.
  5. It would be insane to let Urias get away. He'll either figure things out or he'll be back with a lower paycheck next year. He won't be in AAA for long. Orlando Arcia hit .198 in his age 26 season, the Brewers gave up on him, and he's now had two productive years for Atlanta including a career year currently at age 28. Hiura is irrelevant to this topic, he's a DH/1B, Urias is a middle infielder.
  6. Yeah I tend to mostly agree with this. What else can corporations do to maintain or further grow their massive profit margins? They already did mass layoffs and jacked up prices to the moon. It's honestly incredible that demand hasn't softened much yet given that wage growth has been below inflation for a while now. I have zero sympathy for the banks, everyone knew that interest rates would be going back up after the pandemic. Here's at least a bit of optimism. The US is having the strongest post-pandemic recovery in the G7 -- lowest inflation, greatest increase in GDP. We're doing pretty good relative to our peers, and we've finally made some progress on things that could really screw us over like transitioning to green energy and bringing some manufacturing back to the US. I've decided to leave most of my liquid investments in money markets for now, it's too hard to say no to a guaranteed 4-5% return given the continuing uncertainty.
  7. I have no issue with Stearns leaving, he's been here long enough and it's time to do something else. Who wouldn't want to work with a near infinite budget? I don't think Stearns will purge the Brewers FO, but if he does pull a few people away we already know that one of Mark A's strongest characteristics is hiring excellent leadership. Counsell is not going to manage the Mets. He has been quoted saying that he is thinking about retiring or taking a break from baseball but feels that his final goal is to bring the World Series back to Milwaukee. I think he would have already retired if he wasn't highly motivated to accomplish that goal.
  8. There's some benefit to not being one of the first guys to have to face the starting pitcher and letting a few teammates get a look first. It's definitely lower pressure to hit in the 5 or 6 slot and it can snap guys out of slumps who are pressing at the plate.
  9. The key design flaw of AmFam was not having the roof panels slide completely off the stadium like they do at many other stadiums with retractable roofs. So the stadium still feels partially indoors even when the roof is open. It also causes more problems with shadows during day games than it would if the roof could rotate another 10-15 degrees off the stadium. I don't particularly like the change either, but I honestly didn't even know that the Rangers and Marlins play on artificial turf. It looks like grass on TV.
  10. The first few were creative but the 2023 ones have mostly turned into retro jerseys. Easier to "draw inspiration from" (copy) the past than come up with something new and interesting. I think the San Diego and Boston ones are awesome, but the unique ones have drawn complaints which is probably why they are opting for the safe designs, sadly.
  11. As some of you know the Mariners are my other favorite team and they basically have the exact same problem...floundering around .500 with severe underperformance at ~5 positions, the most embarrassing of which is being the team that is keeping the Brewers from being 30th in OPS at DH. Not much you can do but wait it out on the guys who are well below their career means, swap out the replacement level players for different ones, and hope that your GM makes a move at the deadline.
  12. Not our problem anymore!
  13. I'm impressed with Arizona. They are fun to watch.
  14. The other important finding from the minors is that it makes the human umpires better because they get instant feedback on their calls.
  15. Everything I'm hearing from the tests is that they are going to approve the challenge system instead of full automation. It's already been proven to work and is widely liked, I think we'll see it in 2025 most likely.
  16. I think the Oakland situation may accelerate relocations as we move forward. There should have been more resistance to the Vegas relocation since it was basically an act of franchise sabotage by Fisher to get the relocation approved. The A's were doing just fine for themselves as of just 3-4 years ago and were well on the way to getting a new stadium in Oakland with a public financing package that was equivalent to what they got in Vegas. Then the Golden Knights happened followed by the explosion in sports gambling and it was clear that MLB was going to rush to get a team moved to Vegas ASAP. Moving forward, any ownership change in a small market is a potential green light for a relocation. Teams like the Brewers need to make sure their stadium leases are iron clad, otherwise the Brewers could easily be playing in Nashville in a decade. If the owners see dollar signs, they will get a team there. I would think that the loss of TV revenue will make the publicly financed stadium element even more important. Billions of dollars in revenue can be made up by blackmailing the governments in small markets. The formula has now been proven to work -- drop payroll to zero, raise prices, and make the fan experience miserable. Then wait a few years and blame the fans for not showing up and the relocation will go through without hesitation.
  17. Practice for moving the Brewers to Nashville I suppose
  18. The main reason for optimism is that the Reds, Pirates, and Cubs are just as mediocre as us. The Cardinals are abysmal.
  19. Vegas was the plan all along, negotiating with Oakland was a leverage move for Vegas. The funding and approvals were moving through in Oakland. Slowly, because it's California, but they were moving. Once the Oakland city council figured out what was going on they bailed. By the way, this was brilliant. Kudos to A's fans for a fantastic night.
  20. We'll see what 23-24 looks like. Giannis got an extra month of rest. Jokic's reaction to winning last night has drawn laughs, but the guy clearly is tired after playing into mid-June. It's hard to repeat in the NBA these days.
  21. He's basically a replacement level player for a replacement level salary, but you know what you are getting with Tapia. He'll post an 80-90 OPS+ just like he has done everywhere he has been.
  22. I totally forgot Woody is coming back. That will be tremendous. My thinking was that both Miley and Houser pegged as likely to regress downward, but on further review Houser is performing similar to his 2021 numbers and Miley's numbers look sustainable as well. Miley was a tremendous steal, I have no idea why nobody offered him twice the salary that he's making. So on second thought I agree with you.
  23. As a whole for a team like Milwaukee I think they will regress to the mean, and that comes mostly from personnel decisions -- swapping out under-performers with other options and potentially targeting upgrades via trades. I would be more concerned if the offense was ranked #15 because it's much, much harder to go from 15th to 10th than it is to go from 25th to 20th or even 15th. Those nice statistics clearly back up that the odds are at least 50/50 that things will improve. For individuals, it comes down to what their track record is. Adames is obviously the most likely candidate to regress closer to his career averages, but players can and do have down years that have little explanation. Getting Urias back will be huge since that will get Turang and his 48 OPS+ out of the lineup. I think you ride Wiemer in CF, he's been below-average but not terribly so and there's a ton of upside there. I get why they have been riding Turang as well but he's gotta put up at least a 75 OPS+. The rotation has its own set of problems...I have lower confidence that we'll be able to get considerable improvement there.
  24. The real dream will be when that full package is given to season ticket holders for free.
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