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Brew

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Everything posted by Brew

  1. Brew
    You know what else could help him in the WDC, those 7 points. I’m really curious what the discussion looks like if the 1/2 for the other teams were in the same position. Also, if the last few weeks went the way they probably should have for Lando, is the situation different with the WDC closer than it currently is?
  2. Brew
    He never gets in front without the undercut. And he was pulling away from him once he cleared him, if Piastri was making up the time or caught up then so be it. He’s also the 1 with a very outside chance at the championship.
  3. Brew
    He went straight to his car and shook his hand before Oscar got out. This stuff is dumb, I hope Lando loses the championship by less than 7 points. This wasn’t a couple second gap that he was giving up, it was 5+ and growing.
  4. Brew
    Your take is stupid. Think through not taxing tips logically and explain how a waiter that makes $40k should pay less tax than an office worker making $40k.
  5. Brew
    We had a place on Sanibel for 5-6 years. Sold right before the hurricane, replacement flooded prior to us closing, haven’t decided what we’re going to do next. Started looking at boats again last week. That never ends well for my bank account.
  6. Brew
    Agree on Nashville. The politics in the City will remain blue/purple, the state will remain red. It is what it is. There is plenty to do outdoors once you know where to go which isn’t any different than any of the other cities mentioned. It will also continue to improve in the things to do category as more and more headquarters relocate to the area. I fly out of the airport regularly and have very rarely had a problem getting anywhere I want easily. Healthcare is also a significant plus in Nashville. The industry has been one of the reasons Nashville has grown the way it has. I would take NYC, Chicago, and several other places, but it is worth considering. Nashville is probably better suited for the young person at this point, but there are still benefits in retirement too.
  7. Brew
    We looked really hard at SQ8’s and probably would have bought one if the local dealer wasn’t so f-ing terrible to deal with. Went to the Grenadier after that, was looking at different optioned versions of them in Atlanta, and then the Range Rover dealer called with a 2024 that the buyer backed out on at delivery.
  8. Brew
    Your reading comprehension sucks just for the record. Criticism doesn’t equal misogyny, not liking the product is perfectly fine and your right to not follow/post about it. Posts like you made on the last page in relation to the fashion post equal misogyny. This really isn’t that difficult. No point in continuing this circular discussion, keep on being you.
  9. Brew
    Holy shit, find a mirror my man. As a father of two daughters also, there is nothing that Sawbonz is telling you that lacks self awareness. Again, your posts come across as misogynistic especially some of them on the last page. As far as the rest of your posts about their profitability, do you feel the same about female college sports as you do about the WNBA or are your issues strictly with the WNBA’s financials?
  10. Brew
    Pretty simple to figure that out for yourself (in your view anyways) and then move on to whatever floats your boat. Post 1283 isn’t justification for why you think the sport is bad, it’s just being a misogynistic asshole. Way too many “we’s” in there for someone who doesn’t care and who really hasn’t done anything to be able to use a “we” in that context.
  11. Brew
    He’s on a roll, leave him alone. Most people just ignore a product/team/sport that they dislike, instead we have post after post trying to justify his feelings. I follow the WNBA from a distance, check out the Clark highlights, and keep on with my life. Hopefully, the league improves, expands, and gets through the growing pains.
  12. Brew
    Thread hits close to home, my kids high school youth pastor was arrested yesterday for a litany of issues involving a high school student. It’s hard to fathom how an adult ends up doing the stupid shit they do.
  13. Brew
    One thing I would add is be careful what you buy before you know where the kids are going once they leave. We sold our place in South Florida a few months before Ian and had our replacement purchase fall through because of Ian. It took a while before we could legitimately start looking again and in that time frame our kids have become more certain about where they are going for college and post college and it is definitely not south. We’re looking out west and in Chicago now. I’m still going to buy another place in South Florida but I’m probably going to look smaller and in a different area than where we were originally going back.
  14. Brew
    The other mountain spot in NC looks to be where Boone is which is the home of Appalachian State. I don’t know that I would have pegged it as blue, but it is a really nice, small town in the mountains. It’s not cheap by any stretch.
  15. Brew
    Georgia itself isn’t turning blue, Atlanta is what keeps it split since 60%+ of the people in Georgia live in the Atlanta metro area. The Blue Ridge area is very hard red. As far as TN goes, stay far, far away if you are concerned with politics. With the number of people moving in, TN will be about as red as it gets outside of Nashville/Memphis. We’re 75/25 at the state level even though the two metro areas above make up 45% or so of the population. They have gerrymandered those districts enough to where it can be 75/25 at the state house level even though presidential elections lean 60/40 with 3 counties going blue.
  16. Brew
    Hell, just do it assuming it makes sense for what you are looking for. You know the owner, you know the boat, you know the dock/area, for a partial interest that’s better than most deals you will find. You can rent small boats for day use all around south Florida which are cheaper than going guided once you know the area better. I would lean more towards a condo with a boat out back, but I’m not big on dock life at this point and I strictly sight fish so a big boat doesn’t make sense for me.
  17. Brew
    On the things we finance, I just run an amortization schedule and give it to the buyer and they make the payments. I don’t think I’ve ever sent a monthly invoice on a seller financed property. I also don’t adjust for payments made early unless they make excess principal payments, then I just rerun the schedule and send it to them. If they do something like add $100 to every payment, I rerun the schedule at year end each year.
  18. Brew
    Clearly an issue, now go into the reasons we have a supply problem. You know things like corporate ownership on an expanding scale, rising interest rate environment driving people to stay in their houses, changing tax policy, hell even the current political environment resulting in a shift in where people are living, etc.
  19. Brew
    Yes, commercial bank debt. You can only hold a few mortgages. Technically, you can go to 10 I believe, but most people don’t qualify because the qualifications don’t change so every additional one makes the spread to qualify get more narrow. If everything is paid for, you can mortgage a few properties to provide buying opportunity, but you’re not getting to 75 (or even 25) without using bank side financing if you are financing.
  20. Brew
    The auto industry is a terrible example of fund backed investment opportunities. The runway is too long for a typical PE type fund that is looking to return capital to investors in under 3 years. It might work for an institutional fund but the ability to make money operationally there is still a huge question mark. It comes down to whether you can get public interest behind you to cash out on a public offering which is a massive gamble. There is significantly more money in that space than ever before. We get emails daily from funds looking to make investments that are startups, known funds, and everything in between. I think I’ve talked to 10+ family offices in the last few months that are all 9-10 figure family offices making investments. There is too much money concentrated at the top of the system, so when you are competing with them on single family housing it’s a losing proposition.
  21. Brew
    I deal with large investors often and have been in partnerships with 200+ single families at one point in time, but I don’t deal with institutional investors. Most of the time there is somewhere around a 2% minimum spread difference between owner financed using the mortgage market and investor financed using the bank side financing. There was definitely a run up in non institutional investors that we deal with purchasing when rates were lower because they could buy in the high 4’s / low 5’s on rates. That’s probably closer to an 8-9 today. That 2.75% rate should have expanded ownership opportunities, but instead inflation and supply issues offset the benefit.
  22. Brew
    I don’t follow your logic here. It sounds like you are saying that institutional investors are having to go outside of typical investments because of lack of opportunity within the traditional space therefore they are chasing non-traditional investments. I don’t see that at all. The numbers on investments being made are up significantly. I would say it is more related to how much money is tied up in institutional investments whether PE, family office, retirement plans, etc that the massive wealth accumulation at that level along with a lot of other circumstances is driving the alternative investments.
  23. Brew
    You do realize that people who own multiple homes and those owned within corporate environments aren’t getting 2.75% mortgages, right? You could technically have 10 mortgages, but I can’t say I have ever seen anyone qualify. Usually, once they are past a few then they are dealing with bank side financing, not traditional backed mortgages.
  24. Brew
    Not at the same speed or at the same scale. Your last sentence isn’t true at all. Comparing access on the internet to TV isn’t even a comparison at this point. Having two daughters, the change in interaction in relationships is a huge concern. The internet tries to normalize some fucked up stuff.
  25. Brew
    It’s all about the internet and the cultural changes it is driving. Look around, it’s not an anomaly.

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