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Dbeasy

Certifiably Surly
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Everything posted by Dbeasy

  1. Why doesn’t everyone just admit they don’t know shit about fuck?
  2. I’ve been holding funds in hsa’s for years, invested in stocks. That is all growing tax free, with the ability to withdraw it tax free as long as it’s for medical expenses. I keep a folder of all our healthcare receipts to ensure we’ve got coverage of the dollars if and when we withdraw it. Of course, healthcare expenses become significant as you age so we are constantly having new expenses that should cover the balance in the hsa. The only downside is that I couldn’t put a ton of money in the hsa’s over the years, so there isn’t a lot of tax value. For me, having the accounts is a hassle as compared to the tax benefit. If someone could build up say $75k-100k+ in an hsa it would be a great investment vehicle. It would earn $5k-$10k per year tax free.
  3. I’ve been an ardent advocate for shooting down drones, mainly because my pheasant hunting has gotten more difficult due to declining numbers. I need new targets. I fully support drone bird season.
  4. I hear you, but caring and taking small steps is the only way for me to deal with the next four years of shit. 💩
  5. Let’s just talk about the first step: caring. Because there are a thousand different things you could do if you are fed up with corruption and/or incompetence. But as several of you have shown, you failed the first step. I’d like to hope that it’s because you’re frustrated, because I damn sure am as well. But for a few of you, it’s just pure hypocrisy, unfortunately. One example of something I’ve done on another topic (that will have no effect I’m sure) is to write my congressmen about the recent ACA changes and the importance of fixing the current issues. It will probably be a waste of time, but if 50,000 other people also wrote their congressmen, maybe something would get done. I refuse to let corruption and incompetence go completely unchecked. My New Year’s resolution is to take any small steps I can to push back on it.
  6. We talked about this two years ago. If a product like that became “the” marketplace for nil deals, over time the schools and players and marketers would get shit on by the software company, just like Uber, Ticketmaster, and every other monopoly / oligopoly marketplace. Not saying this will happen because their product isn’t great, but schools, marketers, and athletes need to think hard about how they are going to connect.
  7. I understand the anger. It’s very frustrating. But we simply can’t let the country go to hell because politicians want to make either bad decisions or corrupt decisions just because other politicians do it. One of the few things this country had going for it was the fact that its corruption and major decisions were at one point better than many (most) other countries around the world. It also gives ammunition for the corrupt to say that everyone is either corrupt or incompetent. All of these pardons are bad decisions. Period. And as citizens we should never just accept bad decisions.
  8. What the hell is going on with John Fetterman?
  9. Don’t the assets in a trust have to pay taxes when passed to descendants unless kept in a trust? Whereas assets outside the trust are stepped up in basis?
  10. Just because a crooked moron who’s unfit to be President was elected, does not mean that every politician automatically is immune from criticism.
  11. So the head of Homeland Security is confirming people are seeing drones. This isn’t a surprise to me. They are around. And he reminds everyone that the rules for flying them have changed. I don’t understand why posters in this thread are calling all people idiots. Some people are seeing drones, and there is a concern about whether there is something going on. Why is that wrong? Is it because some idiots are claiming aliens or foreign adversaries? Sure, but that doesn’t mean that every drone sighting is fake and/or automatically harmless. https://abcnews.go.com/ThisWeek/video/foreign-involvement-alejandro-mayorkas-drone-sightings-116805504.
  12. That is a lot of golf. I played 11 rounds and thought I was finally playing often. In retrospect, I haven’t.
  13. Texas 20 Clemon 13 clemson yards - 287
  14. The one thing Elko was supposedly doing right was getting rid of the attitude problems and establishing a better culture. It was why so many players left last year and he replaced them with G5 jags. But the portal moves with Hudson and now Humphrey demonstrate he panicked and just went back to the same Jimbo Fisher well: players with lots of stars and other issues. I think that’s going to backfire, big time.
  15. Ah right. They found pcl okay.
  16. He tore the LCL and PCL
  17. Saw headlines that now he’s commuted the sentence of a major fraudster in Illinois. What’s up with that?
  18. That’s a perfect replacement for Moore. I can’t think of anyone that would be as similar.
  19. As has been discussed Arnold was not a five star and should not have already been starting at OU. With all that said, I watched him play a few times and he’s got something. With development he can probably be a reasonably good QB. It will be hilarious if he ends up performing better than whoever they get. That would be two QB’s in a row they lost who outperformed.
  20. Bawaahahaha. 52-80 tried to argue incessantly that the Texas communications program was irrelevant for football players making decisions on schools, and the very FIRST portal transfer called out the communications dept as a significant reason for committing to Texas.
  21. I come out of high tech management and Austin historically had been a weak tech location as compared to other areas around the country. Dallas actually for many years had better tech than Austin, believe it or not. But then in the 2000's+ Austin really started to get much more solid in tech. Part of the reason for this was the creation of new VC funds in Austin after Austin Ventures imploded. Plus, Austin got discovered as being hip due to SXSW, etc. So, the tech industry here has really started to become a solid, but still behind the bay area, and spots on the East Coast. The long-term outlook is very good. If you dig into tech here a bit deeper, it's still driven today quite a bit by being the 2nd/3rd/4th location for tech companies on the west coast. They setup here as a lower cost location to supplement other higher cost centers. Some of those cost advances are waning. When recessions hit, 2nd locations are always hit harder. Whenever I went thru a recession over the years, I'd always cut other locations ahead of key, prime locations, for many reasons. Austin actually has never seen what a recession will do to it because of tech, because the tech industry here didn't get strong enough until after the last recession in 2008. People don't know what's coming, if we do hit a hard recession. Now of course the activity by Apple and Elon will blunt the impact, but even they will put the brakes on activity during a recession. The surrounding suburbs will also feel it. You'd be amazed at how many tech industry workers live in Buda, Leander, etc. The State government and University will also limit the damage obviously. I can't talk personally to the health insurers but got off the phone yesterday with a health insurance broker who told me the whole industry is in complete turmoil. I could go into more detail on the conversation, but you can google it. They are making money because they all raised rates dramatically. The fear is that costs are spiraliing out of control so fast they may keep having to do it. I can't stand Elon Musk. I think the Cybertruck is the dumbest vehicle created in history. But, you have to acknowledge when the world's richest man wants to spend a lot of money in your city and build a lot of businesses. If you look at the history of cities around the country, many of them were "made" by one or a few key companies or people. For example, Portland was made by Nike, Tektronix and a few other companies. Elon's impact here, if he doesn't waver, will be substantial over time.
  22. This is an outstanding post. Thank you for posting it. That’s the sort of clear government statement that I kept waiting to hear. It’s a reminder that in a world of instant social media, media outlets no longer have the time, or desire?, to check into a story before posting about it. The government was a little slow to respond with clear information too.
  23. The Austin market is complicated. There are multiple conflicting trends: Downward Trends 1. Hiring, layoffs - stalled across most tech companies. This has slowed migration here. 2. Current prices - as someone mentioned, listings are still clinging to 2022 prices in some cases and just sitting. Listings that adjust sell ok. 3. Water - a lack of it could stop progress in its tracks 4. Recession - a bad recession will disproportionately hit Austin very hard because of tech here. 5. Failing Insurance Industries - the price increases are stunning, yet health and property insurers have still been struggling to make a profit. These massive insurance price increases push down real estate prices. If it doesn’t get under control soon, we have a serious serious problem. As my insurance friend always says, the world runs on the back of insurance and when it’s screwed up the economy gets screwed up. Upward Trends 1. Elon - he will single handedly lift Central Texas real estate over the next 10 years. He will move so many businesses here, it will produce significant real estate price increases. 2. Apple - as long as Apple doesn’t cancel their facility here, it will produce a very significant increase in employment and surrounding effects. 3. Trend lines and Comparative Prices - trend lines are okay and Austin prices are still inline with or attractive compared to other high employment areas of the country. Desirability of Austin is neutral at this point because of politics and current prices. So my thinking is that we could see some short term pain but the longer term trends are fine as long as the issues above get resolved.
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