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LCHorn

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Everything posted by LCHorn

  1. I used to get super butt-hurt about it when I was originating about 3 loans a month back in the early 2010’s. Once my production increased to more like 10 a month in 2017 (before it went really bonkers), I stopped caring. In other words, the resentment was more about scarcity, and that’s kind of a burden to put on a friendship (and selfish of me). I do really appreciate when friends come to me for a loan but @Wulaw Horn is right, maintaining privacy and the ability to fire me for poor performance are very valid reasons (and I tell people that because it’s pretty unusual for someone to not have a friend that’s a lender and sometimes borrowers feel obligated to use the friend).
  2. I don’t really have any great savings ideas, but what I would recommend is to take out a HELOC on your residence. It’ll potentially be a source of down-payment money for the next purchase, you won’t be paying interest on it if you do nothing (it’s just an untapped line of credit), the interest is 100% tax deductible if you convert it to a rental property, and no bank will approve it unless the property is owner occupied (in other words, you would need to do it now and not when you’ve moved).
  3. One of my all time favorite closing scenes. Showed this to my girlfriend (now wife) when she suggested we watch to “How to Lose a Guy in 10 Days” so she would know what she was signing up for. I think I liked all of your recs more than Goodfellas.
  4. He’s getting a raise of $800k or getting his total comp above $800k? The latter seems more likely…
  5. Hah, I got taken there a few months back and I thought it was inferior to Rudy’s. Cool space for the kids and full bar was a highlight but the meat was flavorless (tacos, too, which was weird).
  6. Is that ice cream and a cupcake with gravy on it?!?
  7. We drove to Colorado last summer in a day and that was stupid. On the back leg we stayed the night in a historic hotel in Amarillo and that’s the plan the next time we go. If you’re on a budget (or just like the outdoors), you could spend the night at Palo Duron Canyon state park. It’s pretty awesome and so remote you’ll likely not have a reason to be nearby otherwise.
  8. I actually think it’s better to have multiple FA signings in the same offseason if it means you aren’t on the market in subsequent seasons, at least in terms of draft and international budget penalties.
  9. My grandmother married a long time paramour shortly before they both passed, and I was tasked with cleaning out his things he had accumulated with his first wife of 40 years. They had purchased Time Life everything. The books, duck stamps and prints, rocks, coins of the privateering age, tea sets from the old South, and my favorite, the Charles and Di Royal Wedding plate collection.
  10. I’ve been presuming that he’s got an offer better than what the Astros are offering but that it’s inferior in other ways (deferments, bad team,etc.) Also, really glad not to be a Blue Jays fan because they look to be in an even worse spot.
  11. CSB, my old roommate was the main door guy and made an extra $100 every night from the coke dealer who parked in or near the restrooms. He also used to grab any ID’s that he could use personally (claiming they were fake) and then sign up for credit cards with them.
  12. Show us your bellies!
  13. LCHorn

    Dragon Age

    The Rock, Paper, Shotgun review sold me off this one. It’s barely an RPG, more like an interactive story with arcade like combat.
  14. Honestly, I thought given that the board is relatively well-informed that I wouldn't need to be so pedantic. I mean, this isn't Clutchfans.... Thank you for highlighting that Luhnow had some international signing that worked out.
  15. I don’t think evaluating performance based on what you did in 2017 and when you’ve had almost 100% turnover among key decision makers is a good way to evaluate results. Is that how you or your firm run the business? Maybe, but that’s the kind of Jose De Jesus Ortiz excuse making I’ve seen written to justify poor performance since the 90’s. Law has the Dodgers and Red Sox and his 2nd and 3rd ranked teams and they had to deal with similar draft positions and signing bonus pools (more so the Dodgers, obviously). Bear in mind I don’t agree with Law-I think we’ve had at least average drafts in terms of pushing players into the majors, and I also think we’ve had some really bad luck. I don’t know how we end up with perennial head case Forrest Whitley but Cleveland keeps drafting college pitchers that end up cheap top rotation guys, often guys we’ve passed on.
  16. Keith Law had finished his farm system rankings and we’re 2nd from the bottom. Not terribly shocking as he’s always appeared to dislike Houston’s farm and development, now across multiple GM’s. I’m not sure his analysis is correct about draft success, as restoring those four lost picks for the trash can stuff would possibly make a huge difference (I’ve been going through draft results on baseball reference and there’s not really a trend line where a single team is just killing the draft after round one). I think where Houston has really had poor results is the international signings and that’s going back to Luhnow. Also interesting is he doesn’t rank Baltimore or Atlanta very highly.
  17. That one was particularly egregious, although it could also be that spending a week informally getting to know Herman better might have made an impact, too.
  18. Love her. If I was told I had to put together a play with ten different roles but was limited to a single actor to play them all she would be my first choice.
  19. Bregman money isn’t coming at their expense unless you subscribe to bullshit baseball owner economics. If Brown and Brown want to make a deal there’s plenty of money for that and both of those guys should be able to moved absent LMJ type arm catastrophe (I.e., in case the teams ends up shitty inspite of them). More valid, imo.
  20. Picking nits, but nothing was “given”. He signed a deal exchanging presumed market value for security. His next deal, unless he wants to go one year at a time, will have the same bargain presumed of it. The negativity is because it doesn’t look like there’s a better deal out there and the Astros are showing a lot of restraint in leaving their offer on the table. It’s probably not altruistic on their part, as Bergman’s “butts in seats” value is probably higher in Houston than elsewhere (plus, there’s not another obvious candidate to spend the Bregman money on currently), but it’s also out there helping Bregman establish a floor in negotiations with other teams.
  21. Fwiw, I'm in Austin and close to an Academy and it's probably 60% Aggie gear. I just figured that's how they roll.
  22. At a minimum, they are in a position to make it more expensive for us and get a little payback for Terry.
  23. If Wikipedia is correct, the originally script was for a feature and was named on the thriller/horror version of the Hollywood Black list (the “Blood List”) I’ve been wondering the same but I like your explanation. Interesting that both versions appear full of determination, particularly compared to Mark’s passivity.
  24. Perhaps that’s a good thing when the retaliatory tariffs result in less exports.
  25. If that number isn’t accurate then I think they would have cast more doubt on it. I think the story they want to tell is one with people like Bernard and Simms doing horrible things but in good faith that they are protecting the vast majority of the Silo. In other words, we should be able to rely on Bernard’s honesty in that exchange.
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