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Everything posted by Dbeasy
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What I am about to type is a mix of views I’ve held for a long time mixed with a brand new wildly different view as a result of this year’s playoff. OP is completely wrong about CFP ruining college football. We had a few cheating teams dominating college football for the last 15 years. That was way way worse than now. It sucked. The current money situation with a lack of structure is what is making it a mess. The CFP is the best, albeit incomplete, attempt at delivering a reasonably fair, entertaining product. However, it needs one more tweak, a tweak I was completely against until now. The playoff needs to expand to 13-16 teams from the current 12. Texas has shown that a team with 3 losses on a tough schedule is capable of winning it all. And so a team like Texas should get in. A 14 team playoff should address every scenario of teams that deserve a shot. It doesn’t fix the money issue, but that is separate from the actual playoff.
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Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Dbeasy replied to Wulaw Horn's topic in Football
Hahhaahahahahahaha. Fuck OSU. -
There should be a completely aligned view on Wisner. On the positive side, he outperformed every other back on the roster and kept Texas’ running game from being even worse than it could have been because of his ability to identify and wiggle thru the few holes being created, and fight for an extra yard. The downside of Wisner is he isn’t very fast or strong or explosive. That also kept the Texas running game from performing. Texas must find something better. But we should appreciate what he delivered.
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Texas Recruiting Notes 2026: Boulevard of Broken Bagmen
Dbeasy replied to texifornia's topic in 🤫$9.95🤫
Ya I’m thinking Texas just threw in a bid at the last minute and is just making others pay more. -
Texas Recruiting Notes 2026: Boulevard of Broken Bagmen
Dbeasy replied to texifornia's topic in 🤫$9.95🤫
Texas isn’t even mentioned here. https://247sports.com/college/ohio-state/article/update-five-star-wr-chris-henry-jr-initially-picks-ohio-state-but-is-still-undecided-weighing-options-264531210/ -
Two good posts. You guys have good attitudes. I’m going to just stand here and walk around in a circle.
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Texas Recruiting Notes 2026: Boulevard of Broken Bagmen
Dbeasy replied to texifornia's topic in 🤫$9.95🤫
Does this raise questions about our Baker? -
Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Dbeasy replied to Wulaw Horn's topic in Football
Exactly! -
Who said that? I never saw any poster say that.
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Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Dbeasy replied to Wulaw Horn's topic in Football
If Texas is going to be out, I’m pulling for Indiana, BYU, Duke, James Madison and north Texas. I want the shittiest playoffs ever. How about a North Texas BYU final. -
This is a good post. I’ve been very luke warm on Freeman. However, it’s important to know what level of NIL he has available to him. Because when I watch his teams play, they do have a certain toughness about them. And he is able to get some very good talent. Maybe just not enough due to NIL limitations? But this is all a moot point. Sark is here for next year, and probably beyond.
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Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Dbeasy replied to Wulaw Horn's topic in Football
Some teams have the type of offense where they run their system and if they have superior athletes to the competition, they can’t be stopped. The old Leach and OU offenses were that way. As a result they would run up huge scores. The downside was that when they ran into top teams they had few wrinkles to roll out and were stymied. Sark’s approach and offense is built heavily on deception, motion, and throwing in wrinkles to find space. So he doesn’t do much against lesser teams because he wants to save those wrinkles for the critical games like OU and A&M, keeping them off film. As a result, they often don’t destroy lesser opponents. He also purposely gets conservative late in games to avoid low percentage scenarios where the competition comes back to win. It’s why he has so many unnecessary close games. And of course this philosophy is flawed. Playing that conservative actually brings low percentage comebacks into play more than just continuing to beat them down. -
Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Dbeasy replied to Wulaw Horn's topic in Football
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Transfer Cycle 2025-2026 - Full Roster Weaponization
Dbeasy replied to closetojumping's topic in 🤫$9.95🤫
Agree. He has amazing physical talent. He dropped a few passes and people totally over-reacted. -
It's difficult to suggest the best option without knowing more about your financial situation, but in general here are a few thoughts: 1. You mentioned dividends, but there is also the option of interest. The taxing of those two given your financial situation is key. Dividends could be taxed at 0, 15, or 20%. Interest would be at whatever ordinary income tax bracket you reside in, which could be as low as 10%, 12%, or 22%+. The reason I highlighted interest is because there can be less financial risk with investments that provide interest, like CD's or US Treasury notes/bonds. Anything with dividends (like stocks) is going to have more market risk. This should be the first decision you should make. Once you do that, then you can consider the following... 2. If you select bonds/CDs, you have to address interest rate risk. If you buy a ladder of bonds or CD's, then you can reduce some of the risk of interest rates rising. Given your advanced age, maybe a 5 year bond/CD ladder with $100k in each year (year 1 through year 5) would be decent. That would require you to figure out how to buy the 5 bonds/CD's. And the end of each year, the maturing $100k would be reinvested in another 5 year bond, or you could decide to stop continuing the ladder. and just leave each $100k in some sort of short-term investment. You could also build shorter ladders, like 1-3 years. 3. If you are interested in CD's, make sure you DON'T buy callable CD's. Also make sure you don't have too much money at one bank where you exceed federal FDIC insurance. If you have a brokerage account, you could buy CD's from various different highly safe banks. Overall this is pretty safe and you'd earn ~3.4-3.6%. It would be taxed like interest/ordinary income. 4. Rather than CD's, you could also build a 5 year ladder of US Treasury notes/bonds. That would be very safe and you'd earn ~3.5-3.7% on the ladder. The only other complication is that your yearly taxes will have a little bit more complexity from holding the treasury bonds. It's not a big deal, but you have to figure it out the first time. It would be taxed like interest/ordinary income. 5. If building a bond/CD ladder is too complex, you could buy just 1 bond ETF. But if you do that, you want to make sure to not create too much interest rate risk. For example, if you bought an ETF and interest rates skyrocketed, some ETF values would drop significantly. One way to reduce that risk is to buy a bond ETF that has bonds with maturity dates not too far in the future. For example, the Vanguard Government Short-Term ETF (VGSH) holds US treasuries with maturities around 2 years. This would earn about 3.5% and be really easy to buy and just hold. And it's safe because it's invested only in government bonds. This is a decent option. 6. If you want dividends, which come from stocks, then the SCHD ETF recommendation is a good example. Vanguard has a similar ETF, VYM. These distribute about 2.4% right now, and the underlying stocks in them will move up and down with the market. You need to be careful with this option because stock market valuations are at very high levels historically. If your time horizon is 7-10 years+, it might be fine. I get the impression your time horizon is shorter. 7. Finally, there is the whole class of high dividend stocks like described above: mlp's, EPD, etc. There are also ETF's that specialize in these higher dividend securities so that you woudn't have to be a stock picker and hold multiple stocks. However, these are somewhat controversial. Some people love them and others don't. I held them for many years, and for several reasons, they weren't a good fit for me long-term.
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Texas Recruiting Notes 2026: Boulevard of Broken Bagmen
Dbeasy replied to texifornia's topic in 🤫$9.95🤫
Good grief, you people were giving me a heart attack. I don’t know whether you happened to notice that Texas also has a Baker on staff. Maybe throw in a first initial every once and awhile! -
Junior actually said his daughter was really really excited to go to New York! And see the Rockettes! That was the most ridiculous segment he’s ever done. I’ve parented and grand-parented several 4 year olds. I can tell you with certainty that a 4 year old has no idea what New York or the Rockettes really even means. She’s just reacting to her parents being so excited, just like a Labrador Retriever. Junior was ridiculous. Both were insufferable pricks yesterday. I just want to see Texas get in the playoffs so Corby’s head will explode.
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Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Dbeasy replied to Wulaw Horn's topic in Football
I just put in a $1M bet on “No”. -
Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Dbeasy replied to Wulaw Horn's topic in Football
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Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Dbeasy replied to Wulaw Horn's topic in Football
Some of y’all are delusional mf’rs. -
Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Dbeasy replied to Wulaw Horn's topic in Football
The post about how both opinions on Texas are right fascinates me. The arguments for and against Texas are both valid, but I think what really annoys me about the whole situation is how the entire coaches poll and AP poll pretty much ignore strength of schedule and head to head results. Instead both just count up wins and losses. If something doesn’t change on that front somehow, the Texas problem is going to keep happening over and over. Of course, an expanded playoff will be the solution they implement, with 4 more slots. If they had that this year, it would pretty much resolve the issue. I was firmly anti-playoff expansion, but given what’s happened this year, I’m now for it. My previous logic was that 3 loss teams had missed their opportunity by losing too many games. But I failed to think about a scenario where a team played 4-5 top 10 games. Really, Miami and ND should have been behind Texas on this week’s poll due to their terrible schedules. I’m shocked at how low Texas stayed. Made no sense to me. -
Kiffin at LSU is a problem, because Louisiana has some of the best talent per capita of anywhere in the country and almost all of it wants to end up at LSU. A nutless monkey could coach that incredible talent to a national championship, and Sark had made good inroads into Louisiana because Kelly was such a bad fit for LSU.
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Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Dbeasy replied to Wulaw Horn's topic in Football
What if they put little Cheese It samples on your seat, so that when you arrive for the game you have a tasty treat to enjoy before the game starts?
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