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Everything posted by Muny_Tex
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Anything Helinox....Pricey, but light years beyond competition in terms of weight/portability/comfort/durability. I kept a "Chair One" in my ruck through a deployment plus another 100+ nights of field training and still use it for camping to this day. Just an absolutely awesome product.
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Didn't read the thread, but never seen a pressure issue that the Commando 450 shower head could not easily solve.
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Quinn "La Joya" Ewers - The Man The Myth The Mullet
Muny_Tex replied to Coach pop a bitch's topic in Football
Yeah man totally agree those Westlake white boys with their Sugar Bowl MVP (as a 17 pt underdog), multiple Super Bowl MVPs, and greatest kicking record in the history of the sport definitely not bout it bout it. Just no heart at all. If you can't spot the culture difference between WHS and pussy factories like LT/SLC then I dunno what to tell you. ANd for the record I know how outrageously lame/pathetic it is to bring "high school smack" into a discussion like this, but we all have our limits on what we can tolerate. -
Yeah no...as said above at least Simms had arm strength. Quinn's ability to amble around like a wounded fawn and heave floating ducks all the way out of the camera screen probably makes Case McCoy blush.
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Quinn "La Joya" Ewers - The Man The Myth The Mullet
Muny_Tex replied to Coach pop a bitch's topic in Football
Really remarkable Case McCoy impersonation tonight....all the way down to this signature achievement being the miraculous duck heave that his receiver had to backtrack 5+ yards to catch. -
Quinn "La Joya" Ewers - The Man The Myth The Mullet
Muny_Tex replied to Coach pop a bitch's topic in Football
Who could've ever guessed a rosey-cheeked guy named Quinn from fucking Southlake would lack a killer instinct against elite hyper-physical opponents. Almost as shocking as a dork named Garrett (or Hudson) from Lake Travis being equally soft and uncompetitive in critical play-making situations. -
I guess the Santa Maria was a more appealing name for a ship than the "Same As Cash for 6 Months, then 39.99% APR thereafter" EDIT: Sorry saw Chief already claimed that joke idea
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Also holy shit Ryan Day is a fucking dumbass...Just hand the ball off three times and kick the game winner from 40 yards or whatever. That final playcalling sequence was unfathomable for trailing by only 1 point
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If that "12 men on field" is not a dead ball / clock reset penalty....then what is to stop an enterprising DC from literally putting ~20 dudes into the secondary right at the snap if opposition has a "XX and Long", dwindling clock, and an obvious deep passing situation.....seems like the 5-6 seconds of elapsed clock is well worth the benign 5 yard (meaningless) penalty.....what am I missing here?
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^^^That was one of the most "fun" games of the whole dynasty in terms of stadium atmosphere. It was a Saturday night, and unusually late start (8pm IIRC?) and lot of people (myself included) were unusually hammered...even in the typically chill lower level sections. Game began almost immediately with a brilliant 10/10 play by Correa from deep in the hole and the crowd volume never calmed down after that. Cole was absolutely masterful, and it seemed like he was pumping the K's with even higher frequency as he emptied the tank in the 8th....felt to me like 8/9 of his last ten pitches were all gas right near 100. It will always remain amazing to me how completely unbeatable the 2019 team was....until they weren't.
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Wyoming forfeits Volleyball matchup with San Jose State
Muny_Tex replied to Iceman's topic in Cloak Room
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Ibanez had no chance against a well-placed slider given how keyed up he was to catch up with heat. Too bad Hader was too afraid to throw it; I guess he was scared of another wild pitch. Instead he just Farnsworth'd it middle-middle right into the kill zone. Pathetic showing all around.
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^^Good advice about RE: keeping horse in front of the cart. Any newfound career success will eventually be canceled out if your home/relationship status is not on solid footing. Certainly wise to begin researching/networking + exploring new credentials or certifications that may assist in your transition, but I would not take any bold leaps until you reach finality with your business partner and the old lady. Not to derail the dialogue, but do YOU still want to be married? If the answer is yes (and your wife hasn't already checked out), then you might try and see if there are elements of this career rebuild + personal reset that may be conducive to a similarly fresh start/new chapter in your marriage that yall can partner on building together.
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Hader's tattoos look like a cat swallowed the ink then vomited all over his arm. That said, it still reflects better judgment than the decisions made by Brennan Miller this evening.
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Gold bug / silver bug / numismatic / metals thread
Muny_Tex replied to 52-80's topic in Business and Markets
^^^Really good points RE: counter-party risk...That is key reason why I'm no longer interested in the $GLD spot ETF...Seems like the moment the global price truly erupts is when it becomes revealed that they don't actually possess the physical inventory they claim and the whole fund falls apart in a matter of minutes/hours. But I guess owning a basket of miners/juniors via GDX/GDXJ contains the same systemic risk it's just spread out across a larger pool of actors. That said, if SHTF and we have the sovereign debt crisis / currency collapse that puts gold into orbit, my personal cache of physical bullion (or lack thereof) will be least of my worries. I'd rather just stock up on canned food, batteries, shitter paper, bullets, antibiotics etc and barter that shit than dig through trying to exchange coins/bars just to acquire the same stuff on black market. -
Who is shopping for a new truck or car?
Muny_Tex replied to markstanco's topic in Can You Help Me With This?
^^Nice deal...Best I could find was $1200 uncovered and $2k for covered from ATL-AUS, but this was also in early 2021 when the supply/transpo chains were still all fucked up....so I guess lot more competitive options now. -
Who is shopping for a new truck or car?
Muny_Tex replied to markstanco's topic in Can You Help Me With This?
I also don't think this is a realistic benchmark. More like $2K for a timely, reputable service that is going to have the vehicle properly covered/secured at all stages of transport. I think places like Carvana/CarMax advertises flat-fee somewhere in vicinity of $500-$750 only based on their scale and willingness to absorb some of the cost to generate higher markup on the sale side. -
Who is shopping for a new truck or car?
Muny_Tex replied to markstanco's topic in Can You Help Me With This?
Lotta bait and switch still going on with the "XXX off MSRP!!" offers....Many of those promos are accompanied by mandatory dealer add-ons (tints, floormats, trucoat, etc) that they mark up 15x and add-back $2k or so back onto their price. Inflated "Dealer doc fee" is another one I encountered recently that ranged anywhere from $250-$1k depending on the outfit. There's also a TON of "killer deals" on Autotrader for cars that don't actually exist (and/or already sold) that dealers just keep posted to try to drive people to call-in or visit their lot. Bottom line, there's definitely deals to be had, but it's very difficult to "online shop" given how opaque (and purposefully misleading) the advertised prices are. If you're a "time is money" guy prepare to be sorely disappointed, as you typically have to talk to a lot of morons and wade through wasted conversations (and outright lies) to finally achieve peak discount value. What ultimately worked for me was physically calling the assholes and making them send me an itemized, no-shit quote sheet with everything listed. I then told them they could win the business now by doing X, Y, or Z (to achieve my target price) which they typically would decline and/or send a new offer still short of my desired terms. I would then take that "best and final" and shopped it around to competing dealers to see who wanted to match/beat; with the expectation that nothing verbal would fly and they had to send me a signed quote sheet of their own to solidify those terms. This was a little easier for me to do as a cash buyer since I was able to bypass a whole separate layer of wasted time with the whole "just tell me where you're trying to get on your monthlies" that they usually peddle to poor/over-extended people. However, once final price was set I did offer to finance (and pay off balance ASAP) if they were willing to provide additional incentive, but they didn't have any lending promos available...but I think that varies quite a bit by manufacturer especially GM. -
Gold bug / silver bug / numismatic / metals thread
Muny_Tex replied to 52-80's topic in Business and Markets
How do the local bugs feel about the mining stocks...specifically ETFs like the $GDX & $GDXJ ? I personally got out of the physical metals (for varied reasons), but have enjoyed a nice run-up recently leveraging (e.g. gambling) some Roth funds to ride the wave with the miners. Schiff claims there's a huge variance between the current ATH of spot in relation to where the miners "should be", but I don't know enough about the nature/costs/geopolitics of those companies to have an intelligent opinion. -
Financial moves to make before 12/31
Muny_Tex replied to StassneyHorn's topic in Business and Markets
On personal front, my plan for end of year is to continue tradition of only having kids born in Q4 so we can optimize the full year Child Tax Credit before all the bullshit comes due. I will also create a new 529 in new baby's name and drop a fat contribution before 12/31 to realize the immediate state income tax benefits (note: user name does not remotely check-out). I also am planning a mortgage re-finance within next 1-2 months (bought in Spring 2023 and expecting substantial rate improvement), and will leverage the incremental cash flow from the two "skipped payments" toward some end-of-year retirement plan targets. -
Financial moves to make before 12/31
Muny_Tex replied to StassneyHorn's topic in Business and Markets
@StassneyHorn Experts may disagree, but I think you're wise RE: delaying (but NOT foregoing) Roth contributions in favor of tax deferred (401k) or tax deductible (HSA) prior to 12/31...espec if you are in that sweet-spot of being high enough income to meaningfully benefit from the short-term tax savings while still being eligible for the full Roth direct contribution limit of $7k. My reasoning is based on the fact you can still contribute to "this year's" Roth (prior to the 4/15 deadline you mentioned) even after the clock runs out on 401k/HSA deadline and you file your completed year-end IRS return. Therefore, if you anticipate a tax refund, filing taxes right away early in Jan/Feb is a slick way to parlay those credited funds toward your 2024 Roth limit (or get a head-start on 2025, since you have the either/or option between Jan 1 - April 15. That said, I wouldn't go balls-out for 401k max limit if it comes at the expense of eventually topping off your entire Roth $7k limit before 4/15. A healthy portfolio should possess a solid combination of tax-deferred and tax-free accounts, since they will both serve their own unique purposes as your income trajectory grows and/or eventually prep for retirement. Also, I would not have guessed you were anywhere near 35....I pegged you at like 53 so take that for what you will. -
Only thing that made that Singleton 'fly-out flip' tolerable was the hope that it brought a smile to Luis Valbuena somewhere in heaven.
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As the White Coat Investor astutely states, Whole Life is designed to be sold not bought. Also, not to be an asshole, but long before I was financially literate my instinct always told me to avoid Whole Life policies mainly based on the caliber + credentials (e.g. lack thereof) of the people who were most active in selling it. Again, sorry to impugn people's career paths but you don't generally see a lot of top-tier business school graduates and/or high-flying finance types slanging whole life policies. If it's such a good deal, why does it commonly require so much mental gymnastics + calculator hypotheticals to justify purchasing?
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Wink Martindale blasting out of his male spanx while Mich got thrashed by superior players at all 22 positions was a rough look for the reigning champs. Orji is also a talentless fucking scrub who makes Tyrone Swoopes look like Heisman/MVP version of Cam Newton. Just a total humiliation in all facets of the game. Overall very impressed with Sark's scheme + Ewers poise....Gunnar was also best player on the field during several drives, which bodes extremely well for future matchups against opponents with at least C+ roster composition.
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My last apartment at UT was @ 32nd/Lamar....it regularly took me 40+ minutes to get to my night job at ABIA no matter what combination of Mopac, 290/71 E, and 183 I utilized to navigate the constant fuckshows. I later bought house that was 42 miles from the airport, and that trip (via the toll) very rarely took more than 50 minutes door-to-door. And I would've gladly added another 15 miles if it meant I never had to drive on Austin highways during rush hour again. Point is, lots longer distance is not always worse with regard to commuting. That said, anyone who claims to value their family/kids yet simultaneously spends 10+ hours a week in a car by themselves has lost the plot IMO...regardless of how great your land is or how much you think you're saving on taxes or whatever else.
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