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Everything posted by boilerhorn
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I have some friends and coworkers who attended Texas A&M and they are great people. Are they the exception or the rule? I tend to believe they are the rule and the loudest and most obnoxious are the exception. The exception rears its head in sports far too often. That aside, what your cousin and her family having to deal with MS really fucking sucks. I cannot imagine what they are going through. I am about 2 decades older than her and whine because my back is stiff after doing yard work. Puts my whining in perspective. I suspect she'd welcome the ability to sway back and forth and whoop.
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6 tequila shots and 2 complete, coherent sentences. Not sure if I should congratulate you or pity you
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Going to bring this one front and center again. Holy smokes, that was a hauntingly beautiful version of Born in the USA. The guitar work alone is worth your time. I got chills when he sang, "They're still there; he's all gone," and held "gone" for 10 seconds.
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FIL/MIL created UTMAs for their grandkids. Now that many are at majority age, the proceeds are moving to the grandkids. Upon evaluation, some of the investments are in American Funds, which have a 0.6+% expense ratio. Some of these funds fairly closely track indices that have ETFs, with much lower expenses - like 0.03%. In these cases, it seems prudent to move the funds into lower cost alternatives. However, they also inherit the original cost basis, so will have to pay taxes on the gains. By my calculations, an fund with a cost basis of 50% of its present value will incur a reduction of 10% of value to sell. Gains of 50% of value * 20% cap gains tax = 10% taxes paid after sale. With the stated expense ratio deltas and similar returns, the crossover point will be 15 years. A fund with a cost basis of 75% of its present value will incur a reduction of 5% of value to sell. That crossover will be in year 8. Is there a way to do this w/o incurring the tax? I suspect the answer is "no." I am compelled to suggest the beneficiaries move out of these funds. 1 - they'll live far longer than the crossover points above. 2 - they might be tempted to purchase more of the American funds if they are sitting in the account. They'll get lower returns and will likely not have the assets to acquire more at no load (which is how they were originally acquired). Thoughts?
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Lady Gaga's not for everyone. I find her very talented, though... 2 versions of the same song. NSIAP
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Did anyone else hear that explosion just now in North Austin?
boilerhorn replied to hornbri's topic in Daily Texan
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Did anyone else hear that explosion just now in North Austin?
boilerhorn replied to hornbri's topic in Daily Texan
@TKthunder2 - looks like your nest cam capturing the event has been shared with the general public... In case you did not know. https://twitter.com/Mr_JCE/status/1911600684064973160 -
Did anyone else hear that explosion just now in North Austin?
boilerhorn replied to hornbri's topic in Daily Texan
Glad you and your family are OK. Scared the crap out of our family and we weren't in the blast zone. I have a place just across spicewood springs from that area and walk your neighborhood all the time. -
Did anyone else hear that explosion just now in North Austin?
boilerhorn replied to hornbri's topic in Daily Texan
Yes. 10410 was new construction. I walk past it multiple times per week. I mistakenly thought it was the source of the explosion, not 10412, which was clarified by the fire chief. Regardless, crappy for all involved. -
Did anyone else hear that explosion just now in North Austin?
boilerhorn replied to hornbri's topic in Daily Texan
Interesting... My earlier message indicated I thought it was 10410. That was based on photos from 10407. Looks like 10412 blew up and took down 10410 with it. -
the academy's appeal to watch movies in theaters
boilerhorn replied to Hagbard Celine's topic in Movies and TV
A 2025 reboot, migration to 4k IMAX of a 1997 anime film. https://en.wikipedia.org/wiki/Princess_Mononoke -
Did anyone else hear that explosion just now in North Austin?
boilerhorn replied to hornbri's topic in Daily Texan
The address of 10407 Double Spur might not be correct. That might be across the street from the collapse. The reason I say that is the last picture above is taken from across the street. 10407 has that rock wall. 10410 did not. -
Did anyone else hear that explosion just now in North Austin?
boilerhorn replied to hornbri's topic in Daily Texan
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Did anyone else hear that explosion just now in North Austin?
boilerhorn replied to hornbri's topic in Daily Texan
Sorry for the direct cut and paste. Video from the scene. https://x.com/az_intel_/status/1911463661396181174?s=46 -
Did anyone else hear that explosion just now in North Austin?
boilerhorn replied to hornbri's topic in Daily Texan
One theory is propane tank explosion. I live close enough to that house to where I would walk past it daily during Covid as part of my exercise regimen. It was totally rebuilt since it was last sold in 2020. -
So excited to go to the SEC with these Tennessee assholes
boilerhorn replied to TexasEd's topic in Football
Largely agree. Richardson's (6'4", 236) college stats: Season Team Conf Class Pos G Cmp Att Cmp% Yds TD TD% Int Int% Y/A AY/A Y/C Y/G Rate Awards Career 24 215 393 54.7 3105 24 6.1 15 3.8 7.9 7.40 14.4 129.4 133.6 2020* Florida SEC FR QB 4 1 2 50.0 27 1 50.0 1 50.0 13.5 1.00 27.0 6.8 228.4 2021* Florida SEC FR QB 8 38 64 59.4 529 6 9.4 5 7.8 8.3 6.63 13.9 66.1 144.1 2022* Florida SEC SO QB 12 176 327 53.8 2549 17 5.2 9 2.8 7.8 7.60 14.5 212.4 131.0 And Milroe (6'2", 210): Season Team Conf Class Pos G Cmp Att Cmp% Yds TD TD% Int Int% Y/A AY/A Y/C Y/G Rate Awards Career 38 426 663 64.3 6016 45 6.8 20 3.0 9.1 9.07 14.1 158.3 156.8 2021* Alabama SEC FR QB 4 3 7 42.9 41 1 14.3 0 0.0 5.9 8.71 13.7 10.3 139.2 2022* Alabama SEC FR QB 8 31 53 58.5 297 5 9.4 3 5.7 5.6 4.94 9.6 37.1 125.4 2023* Alabama SEC SO QB 13 187 284 65.8 2834 23 8.1 6 2.1 10.0 10.65 15.2 218.0 172.2 H-6 2024* Alabama SEC SR QB 13 205 319 64.3 2844 16 5.0 11 3.4 8.9 8.37 13.9 218.8 148.8 Even considering Richardson's physical advantages, Milroe could be an OK prospect. And I do not believe Milroe is a very good NFL prospect. Richardson had better rushing numbers, but those get neutralized quickly in the NFL. The rookie salary structure makes taking a risk on a QB very palatable. Even an abject failure does not set your franchise back a decade. That's why we're even talking about Richardson and Milroe in the first two rounds. 2025 #2 pick Jayden Daniels got a 4-year $37.75mm contract, using 2.6% of last year's cap and will use 3.9% of the cap in 2027. 1998 #2 pick Ryan Leaf got a 4-year $31.25mm contract. $7mm/year was roughly 15% of the 1998 $52mm salary cap. If Daniels had sucked (he did not), Washington did not make a self-immolating pick. It is a different calculus and low cost QBs have really helped Philly, SF, KC become relevant. Fwiw - mock drafts and Milroe Grok AI: 1.6 Las Vegas CBS Sports: not picked in first round NFL.com: not picked in first round Yahoo sports: not picked in first round Pro Football Network: 3.3 Cleveland NY Post: 1.30 NY Giants (after trade up) ESPN: 3.19 Steelers ESPN Kiper: 2.2 Giants So, the "experts" do not really see him as a first rounder. In 2023, though, the "experts" had Richardson at 1.4, 1.5, 1.10, 1.20, etc. in mock drafts. They may be reacting to really getting it wrong on Richardson or really do believe he's an inferior prospect. Funny aside - one mock had Houston picking Levis at 1.2, Indy picking Stroud at 1.4. -
the academy's appeal to watch movies in theaters
boilerhorn replied to Hagbard Celine's topic in Movies and TV
Agree re: Minecraft - and all of the reboots we are getting. There definitely is a communal aspect of those, and I participated in it at Minecraft w/ my son. Sinners was also previewed at Minecraft and it is on my list of "to see" movies. Sinners cost around $90mm to make. A couple of good weekends in the theater followed by decent distribution deals should allow them to recuperate their costs or make significant profit. "The model is what will support actual film making" - certainly, but the market has changed. Film studios have adapted, but the film makers are worried, so they are playing the nostalgic "every movie was better at the theater when we were growing up" theme. It will be more difficult to green-light a higher-cost arty/quirky film going forward. However, I see your point that a high-profit reboot can help subsidize the arty drama films. Apple, Netflix, Amazon, and to a lesser extent HBO/Max are streamers with money. Most full-length films that get released directly to streaming are films that the studios passed on. So, most feature films are being vetted by the studios before they get to streaming. Most high quality content on streaming is in miniseries or series form. I realize I may seem to be arguing against my own point, but the consumer now has the option of paying $15 per ticket today to see something on the big screen or wait 6-12 months to see it on their high quality home theater. 20 years ago, the latter option was 12-24 months (if at all) on a 26"-32" tube TV. -
She's pissed that he allegedly ignored her "no" and violated her. She's pissed that he allegedly blamed alcohol for his behavior. She's pissed that he allegedly wanted her to sign an NDA. She's pissed that he allegedly offered to pay her off. She's pissed about how he allegedly treated her.
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the academy's appeal to watch movies in theaters
boilerhorn replied to Hagbard Celine's topic in Movies and TV
Rehashing a bit and dovetailing on a couple of other posts... In his acceptance speech for directing Anora, Sean Baker says (some paraphrased), "Where did we fall in love with the movies? At the movie theater. Watching with an audience is an experience. Communal experience you do not get at home. Movie theaters are a vital part of our culture. We want to make films for the big screen. Distributors, focus on the big screen." etc. As noted, there is a nostalgic aspect to seeing a movie in the theaters. And, in some cases, the experience can be better - especially for some action movies... The academy are pining for the resurgence of an old, outdated model. In that model, the largest home TV was a 32", 100+ lb standard definition CRT that cost over $800 when released. In that model, you could only see movies around 6-12 months after release - best case. They controlled the distribution; they controlled what was released; etc. Today, you can get a decent 65" hi-def panel for as low as $350 - and it can provide for all of your entertainment needs: sports, remnants of network TV, streaming, etc. You can choose when you get to consume the media and with whom. And, you can turn off a shitty movie without the regret of losing $50+ for the experience. The business model is evolving and the academy is trying to play on our heartstrings to go see movies in the theater. I get the nostalgia. I fell in love with driving and my first car was a 1970s era Honda Civic. No part of me wants to relive driving that car. I want the experience to evolve. That said, it does appear that the movie distributors know what will put butts in theater seats. Previews I saw at a recent movie: another Jurassic Park; another Mission Impossible; another Superman; another MCU movie; another Karate Kid variant; another Pixar movie (Elio), another Smurfs. Everything is leveraging an existing franchise; most are action oriented. Each of those play on nostalgia, but a different nostalgia than the "communal experience" which can really stink if you are attending with the wrong commune. -
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So excited to go to the SEC with these Tennessee assholes
boilerhorn replied to TexasEd's topic in Football
This - don't care if Heupel's Sooner, fat, 1-1 against Texas, illiterate or whatever. Immaleave is not bigger than the program. That said, he'd be perfect at OU or Texas A&M. -
So excited to go to the SEC with these Tennessee assholes
boilerhorn replied to TexasEd's topic in Football
Their fanbase is dumber than we thought. Their defense, esp. DL, was fantastic. Here's the Opponent Adjusted OFEI and DFEI for teams that made the playoffs last year. Nico was not the reason Tenn was there. -
I'll admit to being naive about Iamaleava's mediocrity until today. He was a press darling early in the season last year, esp. after the TD pass that put Tennessee up over Bama in mid October. Against good defenses, he kinda sucked. And I actually hypothesized that he was lured into this by tOSU or Oregon, but @closetojumping properly set the record straight. He's (below?) average and should have worked on his craft and deposited large checks.
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Yeah - my comments about Cook being poor in one post and trickle down in another post was conflicting. He was definitely trickling up To further take this thread off topic, a friend of mine who did a lot of volunteer work with people across the wealth spectrum would say, "Poor people spend money; middle class people manage money; rich people invest money."
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Good point. I never took you for a supply-sider
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