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LCHorn

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Everything posted by LCHorn

  1. That joke get retold every couple of weeks on the various Facebook bourbon groups...
  2. You might be right, but I feel like their push to expand the risk pool began more than a decade ago and preceding any common concern about the automobile market changing much (not only that, but from friends who've worked there, it's run a lot like the military where changes only occur incrementally and no one is getting rewarded for making a risky bet on what the future might hold, even if it works out). I also think USAA auto is available beyond officers--I was able to get it and I'm (was) a shitbag enlisted USMC grunt.
  3. You’d probably know better than me, but in my opinion it’s changed the makeup of the risk pool from veterans to mostly civilians, and that’s otherwise equalized the claims between it and other insurers (where previously they could afford to be cheaper because veterans were more likely to be risk averse, I.e., not speeding, not letting deferred maintenance on a house get out of hand, etc.). When I had USAA I watched my car insurance double in two years because I lived in 78702, or so they told me.
  4. Personally, I’m regretting having let my 7 year old play Minecraft (even though it’s only on the weekends) and I’d rather he not play any educational games on a tablet, either. The problem isn’t in the intention (Minecraft allows for a ton of creativity. Education games should be a way to teach in a fun way), it’s that the programmers have gotten SO good at making them. There’s a constant sense of achievement and reward, the kind that gives you a little dopamine hit and it reminds me of people playing slot machines for hours.
  5. While I think you bring up a good point, getting Ewers high profile national awards, first round draft pick convo, etc., plus presumably the same with Manning is going to have overflow prestige on the rest of the QB room. If you need evidence of this just take a look at Alabama’s portal departures on defense the last few years. QB is a little different, too, in that you are looking more at depth chart and less at program status since only one can play.
  6. Infallible Jedi that are always the good guys is narratively inert if you want to tell compelling and interesting stories. What you come up with is this, which I'm sure you're not putting high in your queue (unless you're like me with little kids):
  7. So this is a Monterey Oak planted spring 2021 in Austin and who had a rough go of it during last year’s drought. It’s irrigated weekly but it’s a rental so I can only do it one day automatically. Any opinion on if it’s salvageable?
  8. Given age and health concerns I’d rather go with France and keep the money available for something else.
  9. She said it was fantastic and a once in a lifetime experience but she also didn't mention going to Quintonil (so no way to compare the two). My own memory of Pujol is a little hazy--frankly, I remember the meal from Restaurante Nicos better and it sure was a lot cheaper. She did hit Contramar and appeared to like it more than I did.
  10. I know someone that just got back and said the tasting menu at Pujol has gotten a lot more expensive, too (she said their bill was about $800 for two including drinks). I think ours from before Covid was more in the $500 range.
  11. I don't think the effect can be explained as easily as "my house was worth X, now it's worth 80% of X", which is typically where your interest lies on the real estate/mortgage thread. I know you're weren't making that claim, but I wanted to clarify in case someone else might benefit from the reassurance their home's value hadn't fallen to that degree. When you have a decline in values that's broadly effecting everyone it'll make lenders risk averse and that hasn't happened in Austin (with the exception of Citibank). To your point, I'm sure downward price pressure exists, even on the new construction side but it's not being revealed in sales prices (this is an exaggeration, but a builder would rather give you $50K in incentives than reduce the sales price by $10K, that's how hard-wired they are on fighting for sales price). The place to tease that out is on profitability and I haven't seen that data.
  12. The decrease is because a greater proportion of home sales than 2021 is coming from new construction in the $500k or below range. Builders need to move inventory. Everyone else has a 30 year note at 3% they don’t want to lose.
  13. I would caution anyone from misreading “price” as “value”. Values, for the most part, don’t appear to have fallen by much in the aggregate (just my opinion, but I think homes in the $1m-$1.5m or so aren’t moving and that’s probably the weakest part of the demand curve).
  14. Property law in general is a dismal area in which to practice.
  15. Use parchment paper-it’ll not burn between the stone and the pizza.
  16. You know the world has gone to hell when there’s value in groveling to Kyle fucking Rittenhouse for an endorsement.
  17. Well, she should be assured of a rehabilitation admin job and then she can shop for races in ‘26 or ‘28 and won’t be limited to California.
  18. Man, kids are mean. I’ve been coaching ours since they could speak that they can’t be bystanders when they see bullying, they’ve got a responsibility to fight it, even if it’s not happening to them.
  19. I feel like if you’re going to the Bullock it’s a lot easier to go east-west than head downtown (plus trying to park). I’d go to someplace like Salty Sow on Manor or stalk @HenryJames at Sour Duck. Maybe Dai Due. Hotel Ella is also close for something fancier.
  20. This asshole in particular raises my blood pressure. His district SHOULD be competitive enough it at least sends someone somewhat moderate.
  21. I kind of like that the takes on the main characters don’t quite match what I had in my head. Also, the actress that plays Mariko is ridiculously hot.
  22. I tried to bring that home the other day and my wife got upset because it’s not organic. She’ll happily eat Chuy’s, of course, which I’m sure is all grass-fed and antibiotic free.
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