Everything posted by LCHorn
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Markets still falling like whoa
Kara Swisher brought this up on the same podcast with Scott Galloway--investing in the big tech firms, because so much of their revenue is generated internationally, is basically a way to keep money here but diversity into foreign markets.
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Markets still falling like whoa
FWIW, Scott Galloway is following this approach.
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The destruction of America's public education system
Let’s be real clear that Mayes was a Plan 2 Honors Fiji and knows better. He’s essentially purchased himself a position within the GOP with inherited oil money and has figured out that pandering to the lowest intellect voters is good business (and so far has been proven correct). You don’t get in front of this except as a sop to west Texas billionaire partisans that you’re someone worth investing in as Abbott and Patrick move on.
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All Encompassing Mortgage and Real Estate Thread
Seconded.
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All Encompassing Mortgage and Real Estate Thread
In Austin, an 80-20 (agent-broker) split is common at the big brokerages. I'd expect agents like Cord Shiflet or Kumara Wilcoxon that self-source their own business get a better split. 70-30 is more typical of newer agents or in the KW pyramid scheme (and in the latter it can be worse). Nobody is policing that (or declaring it). I mean, let's be honest, POTUS has a crypto meme coin. We're basically without financial regulation or compliance obligations for the next four years.
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All Encompassing Mortgage and Real Estate Thread
I'd probably just call one and offer to pay a flat fee for a comparative market analysis and let them name it (although I'm probably flinching if it's more than $400). To @horn4life's point, FSBO isn't for the faint of heart and there's a better than 50-50 chance you confide later that you wished you'd use an agent. I think everyone gets so tied up in knowing a few useless agents that they don't realize how valuable a good one is.
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DOGE: America Fucking Around
I have the beginning of a theory in re-organizing the Dem party and I think it needs, particularly in the short-term, to mirror the GOP in institutional skepticism. One reason you don’t see a movement yet is that no one has come up with a message or an idea that appears persuasive enough to garner popular support.
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2025 Celebrity Death Pool
You know the average age of Surly is 50+, right? It would be creepy if that was getting more mention.
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2025 Celebrity Death Pool
I’m speculating and haven’t seen any gossip at all about this, but I bet it’s prescription opiates. You just don’t see a lot of liver failure, even with alcohol abuse, at such young an age.
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DOGE: America Fucking Around
I've been waiting for the media to pick up on the fact that the federal job cuts are going to potentially fuck the GOP in Virginia for a long, long time.
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Rolling 401K advice, not mine
Personally, I’ve found financial advisors come in three categories: 1. Work on fee basis rather than a percentage of the portfolio and don’t have any insight beyond basic fundamentals you’d learn in a finance class. 2. Advertise their portfolio management but that’s just biz dev bullshit to sell you insurance (which is fine but for the bait and switch aspect) 3. Work for a depository bank and are mostly focused with obtaining deposits/assets for the bank (another bait and switch, also fuck the big banks) Jeffrey Goldberg wrote an article in The Atlantic in 2009 (so this is likely stale but whatever) that concluded financial advisors weren’t able to do better than a quant unless you had $25m to invest.
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2025 Texas Coaching/Support Staff Thread
I’m sure that matters on the margins, but I think the tier of athlete we’re recruiting to be in the championship conversation knows his worth and is going to prioritize NIL, development, and playing time.
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2025 Texas Coaching/Support Staff Thread
He and McWhorter were also the two biggest gossips on the coaching staff so we should have more insider leaks to look forward to.
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The Leopards Eating Faces and Unlubed Dildo of Consequences Thread
I agree with you, but bear in mind the entire country’s senior leadership has been essentially kowtowed under threat of mean tweets in ALL CAPS!!!
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The Leopards Eating Faces and Unlubed Dildo of Consequences Thread
I’m not a real big fan of “negging” on principle. I think it’s useful for crowdsourcing but otherwise it’s kind bullying.
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Andor
That was a really weird trailer (particularly the music) given the tenor of season one.
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Texas BBQ
We had the carrots and onion rings. I thought the steak was good but a little underwhelmed given the pedigree. Best part was Evan Leroy slicing it at the table and giving him a hard time about being a celebrity chef now.
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All Encompassing Mortgage and Real Estate Thread
It’s not really about the mortgage per se, it’s setting up the deed so that its joint tenancy with right of survivorship. Any lender can do that on a conventional loan but you’ll probably freak them out since it’s uncommon enough they may not have seen it. It’s also not a solution for stepmom to neglect estate planning (as a good attorney will tell you).
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All Encompassing Mortgage and Real Estate Thread
Personally, I would tell the agent that we’ve negotiated a deal between ourselves but want to credit him in some way because of the prior agreement. Then ask him what he would suggest. You can still decline whatever that is if it’s too much, but he‘s most likely going to ask for something reasonable (or nothing at all), and then it’s him making that decision rather than you making it for him (and therefore he’ll be happier with it, which is what this is presumably all about, anyway).
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TV Characters You Hate From Shows You Like
- Bourbon
I was at a birthday party a few years ago that had a tasting of about five different Japanese whiskeys and I loved them all. I have a bottle of Yamazaki 18 I bought during Covid and I just don’t like it and gave up trying to pretend.- All things SNL
Omg, I’ve never seen that before it was glorious.- The Democratic Party
I think the Dems are a little paralyzed but also following the apocryphal Napoleon quote "when your enemy is making a false move, don't interrupt him." You'll see them get more coverage once there's more discontent amongst the middle and middle-right. You've already got the Bernie Sanders folks and they are the fun police. I like your idea that it needs to come from the bottom up, though. The DNC and elites in the party are totally ignored by the huge swath of young people who don't consume legacy media.- The Democratic Party
They can’t do that shit, they are institutionalists. Don’t you want them to stand for something besides externalizing your frustration?- The Leopards Eating Faces and Unlubed Dildo of Consequences Thread
I actually think they’ll be hiring a bunch of staff aug consultants from Deloitte and CGI and the funding won’t be considered part of the agency budget (and they’ll be able to tout labor cost savings when the bottom line is actually worse). Of course, we’ll be in a recession by then because firms will have fully pulled back on spending with the increase in unemployment. It’s quite a statement on the current state of affairs that it’s the silver lining. - Bourbon
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