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Muny_Tex

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Everything posted by Muny_Tex

  1. I agree with the sentiment but disagree with the outcome. I think we underestimate how quickly (especially gen y/zoomers) become accustomed to misery and/or hopelessness…if it’s just implied from birth that everyone in your family/social circle rents their dwelling, then it doesn’t really seem that bad that you don’t own one. Under this framework, “nice” homes gradually move into the opulence category alongside yachts, fine jewelry, exotic cars etc….there’s no vicious anger in not possessing something that you never reasonably expected to obtain. You don’t generally hear working class people in super stratified places like Mexico City lamenting their lack of home ownership opportunities…that concept is so far out of the question it doesn’t even register as a gripe; whereas rent/food/fuel increase is a near frequent cause of strain and periodic uprisings. A lot of the viciousness/resentment in the US js gonna be isolated to the older millennials who generally considered home ownership a rite of passage into adulthood, along with family aspirations etc. up until very recently…when 25+ years worth of $$ appreciation got pulled forward into ~30 months with a bonus nut punch of having to fight off institutional investors. Tons of upper/middle class ppl in mid-late 30s are suddenly experiencing *way worse* lifestyles and outlooks than they grew up with…and with a bitch-slapping velocity that makes them want to rage since they generally “played by the rules” all these years only for the payoff to be ripped away at the very last moment. Contrast that with the age 10-15 cohort who for pretty much all their formative years will know nothing besides hysteria, scarcity, and near constant turmoil. Their “normal” is just fundamentally different than those who grew up with seminal moments of American prosperity and national pride. The bottom line is, the short-term psychological transition is going to be very painful for many, but once the middle class is officially (and permanently) destroyed it won’t “feel” all that badly for those who grow up in the new paradigm.
  2. ^^^How does the intentional/deliberate collapse of equities and assets plus lost access to capital (and corresponding mass unemployment) do dick to resolve “excess demand” for inelastic necessities (food, energy, shelter)…in midst of crisis level supply disruptions? Does starvation/malnourishment now qualify as demand tapering? Will they pat themselves on the back for “bringing things into balance” if enough infants die from lack of formula?
  3. 6-man rotation is irrelevant to JV’s long-term calculus, no need to worry about his perception. If he finishes the season injury-free and top 3 in CY voting (which appears to be a certainty if his health stays intact) then he’s opting out regardless. What I love most about the decision is giving Javier the chance to shine and solidifying his “piggy-back” combo with Urquidy as the playoff ace-in-the-hole…takes so much pressure off the LMJ rehab situation as well.
  4. Helluva finish. Whoever made the Monarchos reference was spot-on, almost an identical rocket shot. That said, my only concern with Epicenter was temptation to run the race he wanted as opposed to the one he needed. He’s very gifted with stalking/pouncing but that shit backfires when you’re solely locked in on 2-3 horses upfront without regard for the overall tempo that can lead to those late miracle charges. Epi had a wide open lane to control the race from the rail at the very outset, but Rosario let him glide on belief he could recover…which is the exact same way he got bitten at Lecomte. Epicenter is a badass and I hate to see him get burned after charging so courageously to win the thing…but what can you do. Also as mentioned above, if Rich Strike pops hot then yes the sport should be absolutely fucking ashamed and I don’t know if it’s gonna be salvageable this time.
  5. *Saw he just moved to 5/1 (I guess everyone is hot for Messier now); that feels like stealing Sent from my iPhone using Tapatalk
  6. Epicenter is going to dominate today….7/2 is a gift Sent from my iPhone using Tapatalk
  7. Checking in at 2.875% on my 30-year VA courtesy of Wulaw’s wizardry. I knew it was a killer deal/value at the time (admin/closing costs were also extremely light); but realizing now it will likely end up in the “once in a lifetime” category. *Just closed on a second home at 5.375% (no points, but sadly out of Wulaw’s area of ops) and was told those terms were equally “miraculous” so life (e.g. Powell) comes at you fast.
  8. I agree with majority of your sentiment, but I think you are very misguided about Planned Parenthood with respect to prenatal care…in the sense that those services are completely non-existent (at least at the Central Texas branches)…unless you’re advocating wholesale reform for that organization as a starting point, which I believe is sorely needed. Sent from my iPhone using Tapatalk
  9. It’s probably exaggerated in my mind due to the enormity of the Benintendi catch and defensive clinic from Kiermaier in the ‘20 ALCS, but Bregman seems to have atrociously bad luck in key situations relative to the other marquee guys.
  10. Yep I think you nailed it. “Sure, we have a border crisis, runaway inflation, and are attempting to dictate your cultural heritage via insistence on term the latinx…but if you don’t vote Dem, then you ain’t brown” Sent from my iPhone using Tapatalk
  11. Do you visit Tarrytown/Clarksville/Hyde Park very often? Who did these almost monolithically white communities generally vote for in 2020? Compare that with the racial demographics of Lockhart/Luling ISDs and let me know how well Biden did in Caldwell County. There’s plenty of reasons why urban area vote liberal/democrat…sanctimony about their highly evolved racial harmony is not one of them.
  12. If by “dealing with” you mean picking up to-go orders or riding in the back seat of an Uber, then yeah I would agree the likes of Austin, SEA, DC, NYC, LA, SF are bastions of diversity and inclusivity.
  13. I would imagine this is an issue for agents in majority of hot markets/key metros. I’d also guess that the surge in cash deals, institutions, and savvy investors is frequently by-passing buyers agents altogether to sweeten deal for Sellers. If this trend continues, do you foresee any changes to the comp/commission structure to try and adjust to the new paradigm? You obviously can’t work for free, but it’s hard to see buyers agreeing to up-front fees and/or additional costs at closing. But something’s gotta give?
  14. Also: Mentioned many times on this thread, but bears repeating that CC is a complete dumbass for allowing those clowns at William Morris to bungle that monster offer from Detroit.
  15. Hello. I’m not inclined to summarily dismiss a generational talent with an .850 career playoff OPS based on his first 69 ABs in a blah lineup with shit weather. Peña proving to be a bonafide big leaguer doesn’t mean the team wouldn’t/couldn’t have been better with another 1-year deal for Carlos…I don’t think Peña would’ve been “wasted” as an alternative to Goodrum, and he’d probably be getting a lot of starts in Altuve’s absence anyway.
  16. April’s shitshow has finally concluded, and Gold is not proving to be much of a “recession hedge”; with significant retreat occurring for mining stocks alongside a drop in bullion price. That said, it’s certainly not cratering to the extent of many other notable alternatives. YTD gain/loss as of 29 APR 2022: $GLD: +5.1% $GOLD: +20.3% $DJIA: -9.9% $SPY: -13.8% $RUT: -18.0% $NDAQ: -22.3% $BTC: -18.9% $ARKK: -51.4%
  17. Predictable viewpoints/discussions here for the most part, but want to add a couple points that I don’t think have been addressed: Root cause behind a LOT of these exorbitant balances is students ability to “over-borrow” beyond rate of tuition/fees and pocket all residual funds without any oversight of final usage. In addition to plenty of kids who parlayed these residual funds into pricey residences and new car payments, I know plenty of others who deliberately borrowed “the max” for frivolous purposes like spring breaks, “study abroad”, post-grad vacations, and even designer clothes/jewelry/purses. Even for kids without nefarious intent, how many of them had the sense/judgment/discipline at age 19 to just “give back” something like a $4,300 refund/overage check when they were told it’s entirely their choice if they want to keep it and not to worry because it’s already “fully covered” under their loan application that they won’t have to make payments on til after school ends and they’re making the big bucks as adults…IMO that is some of the worst predatory shit of all. By enabling this practice with zero accountability (it was, and to my knowledge still is 1000% legal for all loan recipients) the feds enabled colleges to further skyrocket tuition prices by eliminating all competing market forces that would’ve otherwise made the “total cost of attendance” a non-starter for most middle-low income kids (with no credit and no jobs) if they had to apply for personal loans under conventional “score & income based” standards to cover housing, transport, food, clothing, etc Lastly, colleges should be fucking ashamed of themselves for dismantling and/or discarding the student work-study programs into the embarrassment they’ve become today. Mutual costs could be reduced dramatically by a fair exchange of labor/services for huge variety of on-campus employment roles…but instead they choose to condition kids from day 1 that vast majority of “icky” jobs are beneath them and to act as if they are resort guests for the next 4 years….and then we wonder why they enter the workforce with warped expectations, shit attitudes, and also treat hourly workers like trash when encountering them in public. Sent from my iPhone using Tapatalk Of
  18. $15.5M and -1.3 WAR for Odo, Baez, and Goodrum thus far; with good chance at least 2 of them are off the roster in 6 weeks. Just an absolute masterstroke in financial optimization by the Yale grad
  19. I’m not an industry professional, but reached same crossroads with my rental in Austin recently (decided to keep it leased for variety of reasons) My would-be agent said he almost always pushing to list on Thurs PM, so it’ll catch buyers eyes quickly if scouring the apps and also allow a full business day for agents to inquire and schedule showings through the weekend (or facilitate an open house if that’s your thing). I believe continuation of that strategy then allows for final clarifying questions to occur Sunday evening; with offer deadlines by COB Mon (or Tues at latest) to allow all interested bidders another business day to get ducks in a row for proof of funds and/or updated pre-qual letters as needed. Sent from my iPhone using Tapatalk
  20. Card still tenaciously sucks (unsurprising), but I was also surprised how fluffy and unathletic Ewers appeared. I guess his one good throw was encouraging, but would’ve been nice to see even a moderate indication of conditioning and/or weight training from a guy whose had fuck-all to do for basically 3 years other than finesse NIL money. Sent from my iPhone using Tapatalk
  21. Card still tenaciously sucks (unsurprising), but I was also surprised how fluffy and unathletic Ewers appeared. I guess his one good throw was encouraging, but would’ve been nice to see even a moderate indication of conditioning and/or weight training from a guy whose had fuck-all to do for basically 3 years other than finesse NIL money. Sent from my iPhone using Tapatalk
  22. ^^Do we know for sure that ATexan isn’t a Rocko sock? Sent from my iPhone using Tapatalk
  23. Kudos to Click for making me genuinely miss the likes of Tony Kemp and Abraham Toro. Sent from my iPhone using Tapatalk
  24. Odo should’ve never broken camp as starter in the first place; certainly not in place of a viable alternative like Javier. He’s overpaid at any role/duty/position regardless of circumstance, why forfeit entire games just because he’s a sunk cost? Sent from my iPhone using Tapatalk
  25. Maybe Yuli should start eating pizza again Sent from my iPhone using Tapatalk
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