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Murfdogg21

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Everything posted by Murfdogg21

  1. I figured. I once did a refi with Phil and took a few tenths higher rate to pay no closing costs on the refi, so there is some monetary value to rate differences just like buying down a rate. I didn't know if there was a way to monetize a rate increase mid-mortgage.
  2. Very ignorant question: If you are sitting at 2.5% mortgage, presumably the loan holder would prefer to have you at or closer to today's rate. Is there a mechanism to increase your rate and get paid out? The context is a homeowner looking to sell and move, and trying to get some value out of their current low rate before buying another house at today's rates. My wife is always passively interested in moving out of state for family reasons, but we are the stereotype for the stagnant real estate market. New house would be +$50-100k over what we sell, buying into a region where sellers are still listing at 2021-2023 prices. Can't justify moving to a higher cost of living state, adding to the mortgage principal, and flipping a <3% for >6.5% and doubling our monthly note.
  3. Were there not better, ring-chasing veterans that can hit 3's willing to sign low dollar contracts than the scrap heap guys we signed with the last of our money?
  4. The classic yellow and green Ducks? 😂
  5. The great poet and scholar Cardale Jones was ahead of his time when he told us they "ain't come here to play school."
  6. And yet you enjoy frolicking with whales.
  7. Pato’s response in the middle quote was the answer. Businesses have to recover overhead and operating expenses. The more profitable a league is, the higher the % will go to the players. WNBA has been losing money at their current salary range and they want more???
  8. Superstar athletes don’t need keyboard warriors white knighting for them, but “professional athletes” are mostly the non-superstars. Leagues like the NFL and NBA collectively bargain with players associations for percent of revenue and profit sharing, minimum salaries, maximum salaries (NBA), team salary caps and salary floors, and other benefits. The other 90% who aren’t LeBron James, Patrick Mahomes, etc. benefit by more money being spread around and other non-paycheck benefits. Since the superstars are a minority of the membership, I’m surprised the rank and file hasn’t pushed for lowering the max salary in the NBA or imposing max salaries in the NFL. Teams spend their cap money, so the players as a whole collectively get more. The converse is MLB, as sbb brought up. You have teams in LA, NY, etc. paying absurd money to the superstar free agents. That doesn’t do much for the hundreds of mid level types. No salary cap means no salary floor, so you get the A’s, Pirates, etc. The talent discrepancy (or rather competitive imbalance) and the fact the most hate-able teams are always the good ones are turn offs to fans outside of those major markets, which reduces revenue from tv, marketing, merchandise, endorsements, etc. which trickles down to reducing what the players collectively earn. The MLB model is great if you are Shohei, Judge, Juan Soto, Gerrit Cole, the Yankees, Dodgers, Mets, or their fans. It’s not ideal for everyone else, players and fans. The NFL is the most popular sport in the world, partially due to competitive balance, and the players collectively make the most of any sport. For college football, the MLB model certainly favors the blue bloods like us and will keep the championship competition between a dozen or fewer programs. The NFL model would result in blue bloods spending less (capped), everyone else spending more to be competitive, better league products = more revenue = more money available to future players via direct pay and indirect benefits. Better for fans of the bottom 90%. I enjoy Texas playing championship level football, but I also enjoy(ed) college football when upsets were weekly and lots of random teams in and out of the top 25. I think the blue bloods would still dominate in the NFL model due to better coaches, facilities, NFL odds, legitimate NIL endorsement opportunities etc.
  9. Then pay them what they are owed after the owners are made whole for keeping the league running at a loss forever. Did they add WNBA to the NBA2k games as an excuse to divert some of the profits to women? I can’t imagine more than 5 people bought those games to play WNBA mode.
  10. Trade Framber, Hader, anyone they can get top prospects for; give Yordan, Peña, Paredes, and the other starting pitchers 9 months to heal and Christian Walker to get his shit together.
  11. T-shirts for the WNBA owners (or do they use the bullshit term “governors” as well?)
  12. When I hear “Gage”, my brain envisions the name of a boy whose ancestry includes a trailer park.
  13. As long as he can show some Professor moves like the old And1 tour.
  14. Still plenty of time for Aggy to run out of and tumble below Tennessee, OU, and Auburn.
  15. I thought he was going Norm MacDonald on that Espys monologue, intentionally bombing with (mostly corny) jokes he knew that audience wouldn’t appreciate.
  16. I first heard of this at a small startup I worked for about 10 years ago when the head HR lady gave herself the “Chief People Officer” title. I thought it was stupid then, and probably insensitive today since some people identify as cats.
  17. The fact it was the chief HR officer he was banging sends it to the next level.
  18. Yes. Very similar incident.
  19. I don’t think this meme will disappear.
  20. Tell his wife to take that crying baby to a hotel.
  21. Carlos Lee would be an asset if end of game tie breakers were decided by a nacho eating contest.
  22. My wife slaps me for this opinion but I think it was selfish of her, rather than heroic, when she went to Tokyo. Her mental issue showed up during the US qualifier/championship a few weeks before that Olympics. She got there and noped out the first day. She took a spot on the team away from another athlete that worked her ass off her whole life, and it fucked with Team USA’s strategy of who would compete in each individual and team event. She came back and kicked ass in Paris, but she got a pass, or even hero praise, for Tokyo.
  23. On Shemar Stewart topic, Mike Florio (ProFootballTalk/NBC) did a write up on his options based on current rules/laws. From the college side, NCAA could rule him ineligible, but we are in the NIL era where "signing with an agent" happens in high school so Stewart didn't really do anything during the draft process that pulled in benefits he couldn't have got from aggy or another program. NCAA may not fight this and show how toothless they are, plus it could a new wave of college players trying to pull shit without consequence before a de-pantsed NCAA. Florio went on to say he thinks the Transfer Portal rules wouldn't hold up if challenged in court and players could/should be able to "work" as independent employees and contractors and could transfer any time, any where they want (they'd just have to be enrolled before the season to be eligible). So in theory, Stewart could also go to any college he wanted next year if someone bid more than aggy. From the NFL side, previously if a drafted player held out, they'd become a free agent after one year (the next draft). But the rule is written that it's one year/draft after they are ineligible for college football. Up until now, it was assumed any drafted player is ineligible to play college again so their rights are owned by the drafting team for one year. In the Stewart scenario if he went back to college, the Bengals would continue to own his draft rights until one year after his college eligibility expires. If he plays for aggy in 2025, he would not be draft eligible in April 2026 because the Bengals own his rights. He'd have to actually not play college football for a year to become a free agent. Or more realistically, they come to a contract agreement or the Bengals trade his rights to a team that will.
  24. He’s going pro in something other than going pro.
  25. Sorry for partying
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