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Im_smarter_then_you

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Posts posted by Im_smarter_then_you

  1. 41 minutes ago, NeverMarryAStripper said:

    I took my my son to look at a used jeep at a dealership.  The advertised price was $23,454.  We drove it yesterday and I said that I would get back to them.  I called him today and said we liked it and would like to make a deal.  He said to come in.  I told him to send me the numbers and I would come in when I was ready to sign.  He just now texted me and said the drive out would be $28k.  $23,454 plus 6.25 % tax plus $200 title fees should be $25,120.  I asked him what the rest was to get to 28k and he said reconditioning and fees.  I told him this is why I don't come in until I'm ready to sign.

    The process of buying a car never changes.  Horrible industry.  4 squares time!!!

     

     

    I know several car salesmen.  Most admit they're out to get as much as they can because "well you should've read the contract.  I mean do you negotiate the price of milk at the grocery store?"  

  2. 1 hour ago, kopp0e said:

    No... No... I think those would be the schools that get left out of a (not likely soon) B1G raid of 5 or 6 PAC brands...

    ---

    Hotline mailbag: Pac-12 expansion strategy, scenarios for a breakup, vulnerable schools and the potential for alliances

    By JON WILNER | jwilner@bayareanewsgroup.com | Bay Area News Group
    PUBLISHED: August 6, 2021 at 11:08 a.m.

    If the Pac-12 dissolved, the California schools, Oregon and Washington would be desirable in a post-modern configuration of major college football; everyone else would need a lifeline. Oregon State and Arizona would seem particularly vulnerable, in our opinion, based on the metrics that drive media value.

    But the Pac-12 is a long way from that point.

    We cannot offer any guarantees, but there is zero indication of an imminent breakup.

    If anything, the level of solidarity seems stronger now than it has in years, largely because the schools (i.e., the presidents and chancellors) are all-in with new commissioner George Kliavkoff and view this as a reset opportunity for the collective — a chance to rethink, and reshape, major college sports on the West Coast.

    (Had Larry Scott remained in charge, the level of solidarity would have been lower and the potential for breakup higher.)

    From this corner of the galaxy, there are seemingly two paths to Pac-12 dissolution — to the Cougars, Beavers and Wildcats fighting for their football existence:

    1. The Pac-12 dissolves.

    The most immediate existential threat to the conference would be an aggressive Big Ten desperate to grow following the SEC’s move.

    But we’re deeply skeptical for a slew of reasons — none greater than this: The conferences have a shared history on the field (via the Rose Bowl) and deep alignment at the university level, both professionally and personally.

    Ohio State president Kristina Johnson is a Stanford alum.

    Michigan president Mark Schissel is a former Cal dean.

    Northwestern president Morton Schapiro is a former USC dean.

    Would the Big Ten presidents approve any expansion plan that kills off the Pac-12? In our view, that outcome seems unlikely.

    Even if the Big Ten turned predatory and offered membership to the California schools en masse, Cal and Stanford are more likely to stop playing major college football than lunge for cash in a conference 2,000 miles away.

    The prospect of the California schools splintering off from the Pac-12, much less from each other, is a leap currently based solely on illogic.

    We could get deep into the machinations, but that seems unnecessary given the current state of affairs.

    The Big Ten and Pac-12 presidents do not, in our opinion, have the justification, support or stomachs to initiate the series of radical moves needed to drive a stake into the Pac-12.

    2. The Power Five dissolves.

    If you’re sketching scenarios for Pac-12 destruction, this is the more reasonable scenario — and yet it seems unlikely to materialize anytime soon.

    What’s the structure? Simple: The most successful, most valuable, most committed football schools form a 30- or 35-team super-league that’s essentially a mini-NFL — and would, thanks to overjoyed media companies, mint money.

    The remaining 30-35 schools in the Power Five, combined with the other 60-odd schools in the FBS, would continue playing football, albeit with a cost structure resembling what we now see in the FCS. (Revenue would plunge, so expenses would have to drop, as well.)

    Would the likes of USC, UCLA, Oregon and Washington be willing to join the equivalent of a college football Premiership?

    Perhaps, because every Power Five league would break apart, too.

    The ACC’s Wake Forest, Duke and Virginia (and many others) wouldn’t be involved in the super-league.

    Nor would the Big Ten’s Purdue, Northwestern, Indiana, Minnesota and Illinois.

    Heck, even the SEC would split up, to some degree.

    In this end-game, the top West Coast football schools aren’t leaving the Pac-12 for membership in another conference.

    They’re leaving for an exclusive, football-only entity while keeping the conference intact in all other — albeit lesser — respects.

    Many of the Hotline’s most trusted industry sources believe the mini-NFL model is inevitable, although not imminent.

    ---

    As a matter of fact, as beat writer on all things PAC related speaks on how the league would look to move ahead...
     

    And here is a clip of ballcoach Bob Stoops, how OU wanted to keep OSU in a move, but couldn't get SEC to blink...

    I just took less than a one second glance, as anything longer would qualify as staring longingly, but does Stoops shave his legs?  Nasty fuck

     

     

    Good article.

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  3. 1 hour ago, Tex-19 said:

    I feel like this is being overlooked way too much on this board. If we win games and get NIL going, do people really think we won't be able to fill in gaps through the transfer portal? Imagine being an All American at a place like WVU, knowing you can transfer to somewhere like UT and instantly make 6 figures (see Tykee Smith to UGA). Free agency is upon us, and every player's contract is up every single year. As a neutral college football fan, it kinda sucks. As a UT fan, it's great for winning.

    Good point.  If we get our shit together we’re good.  And with the portal, we can get really good, really fast 

  4. 1 hour ago, USNALonghorn said:

    Lmao. Actually I’m fully vaccinated, but I still have low tolerance for people pushing their personal/political agenda on a football thread.

    And what political agenda would that be?   To me this isn’t a political issue though I see both sides have predictably used it for it.  

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  5. 2 hours ago, Wulaw Horn said:

    Ha- I said 20  year typing on my phone but I obviously meant 10 year...

    On Wednesday when I put that blurb up I'd just put someone in a 15 year at 1.875 (no discount points) and a 30 year cash out at 2.625% (so- with the typical 1/8 rate hit for a cash out that's the functional equivalent of 2.5%).

    Today- the average national rates (per my pricing software that aggregates such things) is 2.999 on a 30 and 2.247 on a 15. Now, like I said my pricing is typically better than national average on my pricing tool so that's not comparing apples to apples, but with the caveat that every loan is different so you aren't ever pricing the same deal the same way ever I'd think rates have moved 1/4 off that rock bottom low I talked about on Wednesday morning.  Still ridiculously good even at the national rate.  Shop around to a local guy and you ought to beat that (and if you don't call me), but I don't think anyone can do what I was putting people into on Wednesday morning at this time).  If you put a gun to my head and tied me to an ant hill and it was a good loan, and I had the time and inclination to do it, and there was a bit of a favor involved I could still get a 15 year that started with a 1, probably, but who knows.   Just about everyone was getting that from me on Wednesday morning as a standard course of business (locked 4 or 5 loans that morning).  

    And refis are entirely different right?

     

  6. 51 minutes ago, MuellerHorn said:

    That's one positional grouping. It doesn't really move the needle for the perception of the program. Also, many of those guys were late-round picks or undrafted. Which, again, just supports the narrative that Texas hasn't been good at developing players.

    Current NFL DBs:

    Phillips: 2014, undrafted

    Diggs: 2015, 6th round

    Elliott: 2018, 6th round

    Hill: 2018, undrafted

    Boyd: 2019, 7th round

    Locke: 2019, undrafted

    Jones: 2020, 3rd round

    Sterns: 2021, 5th round

    Now, go compare their recruiting rankings with where those rankings get drafted, on average. Spoiler alert, it's shit.

    DB is, by far, Texas' most successful grouping in terms of sheer numbers in the NFL, but when broken down by draft position, it doesn't point in our favor. This, right here, is how other schools are able to negatively recruit us.

    Other schools are already selling the lack of success of the Foster/Green class as well.  Sterns is drafted, Jamison likely will be, but who else?

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  7. 8 minutes ago, MuellerHorn said:

    Yes, CTH gets it. This is what matters to recruits who are weighing their options to try to be the most successful version of themselves. We, as Texas fans, have to take off our UT bias here. Sure, there will always be kids who grow up red ass or bleeding burnt orange who go to aggy or UT because of it, but when BLAKE F'N BROCKS kids go to Bama because of UT's current development and program reputation, that should tell you something about how everyone else else currently views Texas.

     

    9 minutes ago, VirginiaLonghorn said:

    … and Texas ain’t done shit since these recruits were in kindergarten.

    I thought Sark was a great hire and he certainly still may be.  I'm very bullish.  However, my expectations were that he was going to bring all the Bama recruiting platitudes here and we would be off and running.  And first few months we landed Owens, stewart, Winfield, Blue and a few others.  Now some of them did it for attention and follows but still I was excited.

     

    We can't really compare Sark to Charlie or Tom.  They both could pitch the "new beginnings and fresh start" stuff.  Sark is replacement 3, how do you think that message resonates.  Sark needs to win, put players in the pros and we need to get better at the NIL/bag stuff.  It's doable, but it won't be easy.

     

     

    I'll reiterate, most of the posters here are either in sales or law.  How hard is it to build a business case against Sark/Texas.  Pretty easy if you're ou, Bama, tOSU and even aggy.  

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  8. 8 minutes ago, golfclap said:

    You guys know that OU is not having any issues with the SEC 2025/2022 conversations, right? They have increased their momentum (esp with the 2023 class in Texas) with the move to the SEC. 

    Stop trying to find excuses and boogeyman, Occam's razor is your guide, this staff is simply not getting the job done. 

     

    They were crushing it before the SEC announcement.  

  9. 2 minutes ago, pops said:

    You have no idea the hate between idaho and the smurfs. Non starter. 

    Good for them or not, pac will not take byu. There are maybe 5 or 6 schools left in that conference that give a shit about athletics and byu's baggage will never get approval. 

    Boise is a non-starter. Regardless of eyeballs for a school that I still don't think has sold out a home football game in almost 20 years (fact check it, not positive), Berkley isn't going to allow a school that still offers a truck driving degree into the pac. 

    I think the pac grabs okie lite and tech and who knows else. I would say 2 of the following: san diego state (state school, state school) unlv and new mexico. 

    Their new commissioner seems infinitely more capable than scott. I also wouldn't be surprised with some sort of alliance with the Big. 

    Ain’t nobody gonna take no New Mexico over Boise 

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