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Dbeasy

Certifiably Surly
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Everything posted by Dbeasy

  1. I’ve been investigating Roth conversions much more deeply over the last several weeks to really understand much better the true tax savings they provide, and the risk one takes on by paying a lot of taxes now vs theoretically more taxes later, long down the road. I’ve found that a lot of people use tools, or work with financial planners who use tools, to develop their strategy. But those tools often don’t layout a view of the cash flows in a way to more easily see what is going on in retirement with Medicare IRMAA, income taxes, capital gains, RMD’s, etc. Does anyone have either a good tool, or an affordable resource who really understands Roth conversions in depth? I don’t want just some person who plugs numbers into a tool.
  2. Is it possible that we are seeing some schools catch up to or in a few cases surpass Texas in NIL resources, reducing some of the advantages Texas has had in the last few cycles? Last year it started to look like that, but obviously Texas finished strong anyway. Maybe the financial pressure is even greater this year? I continue to believe this is just the typical summer recruiting we see every year. But maybe I’m wrong.
  3. What the hell is wrong with you? Did you eat paint chips as a kid? Did your mother drop you on your head? STFU if you don’t know anything about a topic being discussed. Given that criteria, we won’t ever hear from you again.
  4. It is in every top player’s best interest to feign interest in Texas even if they aren’t interested, because it drives up their nil deal. Get used to disappointment. But many times it will be a fake loss.
  5. I have developed a theory of beer drinking called the Beer Circle of Life. It has been acknowledged as a seminal work in the world of alcoholic beverages and beer drinking in particular. Central to my theory is that we all get bored and tired of the same thing over and over, and struggle physically and mentally with redundancy. Therefore, in my Beer Circle of Life, the beer drinker starts by drinking pilsners and lagers. Consuming pilsners of German origin is strongly recommended, as they have superior taste. After many months or year+, the beer drinker then moves to ales, kolsches and wheat beers. The slightly stronger taste invigorates the senses and strengthen one’s masculinity or femininity. After many more months, the beer drinker shifts to porters, stouts, and bocks. These rich, robust beers prepare the beer drinker for the rest of the Beer Circle. One does not linger in this part of the circle for long, however. These beers become tiresome quickly, except for Guinness. One can drink Guinness anywhere and everywhere along the Beer Circle of Life. Finally it is time to move to the IPA’s. Hazy, double, triple, whatever. This part of the circle is peak hops. In this part of the circle your life is fun, lively, and slightly like an obnoxious hipster. You can stay in this part of the circle for a long time but beware. Sooner or later your bowels will start to reject the ipa’s, and your mind will long for greater simplicity. At that point, it is time to return to the lagers and Pilsner’s. I strongly recommend this approach to beer drinking. It will repair all other ills in your life.
  6. He’s already a better human being.
  7. Because I emailed you why and didn’t want to discuss it publicly on Surly for your benefit.
  8. I did. I got multiple bids and ended up getting higher quality, better shingles and other add-ons as compared to some of the bidders who were trying to slap on lower quality shingles and cheaper construction in order to maximize their profit margins. ROFL BOX’s list above is legit. Some of these roofers were cutting those corners. And what’s sad is that most of my neighbors fell for the smooth sales pitch of the storm chasers.
  9. Georgia got stung hard by Terry last year. They vowed vengeance. Calicut is one of their plays to get even. They picked him because of the thought North Shore is a fountain of D1 talent. Little do they know that fountain sometimes shoots out some significant busts. Let’s hope they picked one.
  10. Restated for emphasis. How the fuck has Yarn somehow scooped up every gif on the internet, stuck it on their site, and made it impossible to copy and paste it elsewhere. Seriously wtf is going on? This is America!
  11. For the last 10+ years, whenever I see a top legacy or local recruit, I automatically assume they will end up going elsewhere. It just seems to always happen.
  12. I’m not suggesting either/or. You have to do both Brisket actions AND inflate away the debt, because the rising interest payments are swamping the budget. Interest payments are now higher than the defense budget.
  13. The only way to deal with the debt problem, besides the actions Brisket listed is to inflate away the debt over 10-15 years. To do that requires inflation to run ~3+ percent annually over that period, just like after WW2. So Powell will get replaced, the new Fed will drop rates low, inflation will creep up to 3-3.5, everyone will complain, but the politicians will secretly be happy with it. Middle class and the poor will get hit the hardest and the wealthier will hardly notice because they control so much of the world’s wealth now they can buy anything they want 10x over.
  14. Since I started this thread I’ll just remind everyone that if you don’t pay your deductible on an insurance claim in Texas you are committing insurance fraud in Texas. The legal and correct way to engage a roofer is to get as much high quality roofing as you can for the price the insurance company gives you for the claim.
  15. Whenever we miss on a top recruit, TCU gets bummed out.
  16. They make these low ball offers because occasionally some dumb ass or desperate owner takes it. Just pass along the offer and be thankful you now have a firm bottom price for the property that you should never be near on a sale.
  17. Dbeasy

    Tre Johnson

    Tell us more about yourself.
  18. Tre wearing a skirt. Okay then. edit: ah, shorts.
  19. Something isn’t adding up here. I can’t quite put my finger on what it is…
  20. I’m actually surprised Georgia has continued to recruit at such an elite level. While they obviously have a ton going right for them, before Smart and his extensive cheating, they recruited good but not super elite. I figured NIL would water them down at least a bit, even if they do have a lot of NIL money, because of the narrowed advantage they have today vs a few years ago. I guess it’s just the momentum. Or maybe Smart is really that great of a recruiter and manager.
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