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Muny_Tex

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Everything posted by Muny_Tex

  1. Do you visit Tarrytown/Clarksville/Hyde Park very often? Who did these almost monolithically white communities generally vote for in 2020? Compare that with the racial demographics of Lockhart/Luling ISDs and let me know how well Biden did in Caldwell County. There’s plenty of reasons why urban area vote liberal/democrat…sanctimony about their highly evolved racial harmony is not one of them.
  2. If by “dealing with” you mean picking up to-go orders or riding in the back seat of an Uber, then yeah I would agree the likes of Austin, SEA, DC, NYC, LA, SF are bastions of diversity and inclusivity.
  3. I would imagine this is an issue for agents in majority of hot markets/key metros. I’d also guess that the surge in cash deals, institutions, and savvy investors is frequently by-passing buyers agents altogether to sweeten deal for Sellers. If this trend continues, do you foresee any changes to the comp/commission structure to try and adjust to the new paradigm? You obviously can’t work for free, but it’s hard to see buyers agreeing to up-front fees and/or additional costs at closing. But something’s gotta give?
  4. Also: Mentioned many times on this thread, but bears repeating that CC is a complete dumbass for allowing those clowns at William Morris to bungle that monster offer from Detroit.
  5. Hello. I’m not inclined to summarily dismiss a generational talent with an .850 career playoff OPS based on his first 69 ABs in a blah lineup with shit weather. Peña proving to be a bonafide big leaguer doesn’t mean the team wouldn’t/couldn’t have been better with another 1-year deal for Carlos…I don’t think Peña would’ve been “wasted” as an alternative to Goodrum, and he’d probably be getting a lot of starts in Altuve’s absence anyway.
  6. April’s shitshow has finally concluded, and Gold is not proving to be much of a “recession hedge”; with significant retreat occurring for mining stocks alongside a drop in bullion price. That said, it’s certainly not cratering to the extent of many other notable alternatives. YTD gain/loss as of 29 APR 2022: $GLD: +5.1% $GOLD: +20.3% $DJIA: -9.9% $SPY: -13.8% $RUT: -18.0% $NDAQ: -22.3% $BTC: -18.9% $ARKK: -51.4%
  7. Predictable viewpoints/discussions here for the most part, but want to add a couple points that I don’t think have been addressed: Root cause behind a LOT of these exorbitant balances is students ability to “over-borrow” beyond rate of tuition/fees and pocket all residual funds without any oversight of final usage. In addition to plenty of kids who parlayed these residual funds into pricey residences and new car payments, I know plenty of others who deliberately borrowed “the max” for frivolous purposes like spring breaks, “study abroad”, post-grad vacations, and even designer clothes/jewelry/purses. Even for kids without nefarious intent, how many of them had the sense/judgment/discipline at age 19 to just “give back” something like a $4,300 refund/overage check when they were told it’s entirely their choice if they want to keep it and not to worry because it’s already “fully covered” under their loan application that they won’t have to make payments on til after school ends and they’re making the big bucks as adults…IMO that is some of the worst predatory shit of all. By enabling this practice with zero accountability (it was, and to my knowledge still is 1000% legal for all loan recipients) the feds enabled colleges to further skyrocket tuition prices by eliminating all competing market forces that would’ve otherwise made the “total cost of attendance” a non-starter for most middle-low income kids (with no credit and no jobs) if they had to apply for personal loans under conventional “score & income based” standards to cover housing, transport, food, clothing, etc Lastly, colleges should be fucking ashamed of themselves for dismantling and/or discarding the student work-study programs into the embarrassment they’ve become today. Mutual costs could be reduced dramatically by a fair exchange of labor/services for huge variety of on-campus employment roles…but instead they choose to condition kids from day 1 that vast majority of “icky” jobs are beneath them and to act as if they are resort guests for the next 4 years….and then we wonder why they enter the workforce with warped expectations, shit attitudes, and also treat hourly workers like trash when encountering them in public. Sent from my iPhone using Tapatalk Of
  8. $15.5M and -1.3 WAR for Odo, Baez, and Goodrum thus far; with good chance at least 2 of them are off the roster in 6 weeks. Just an absolute masterstroke in financial optimization by the Yale grad
  9. I’m not an industry professional, but reached same crossroads with my rental in Austin recently (decided to keep it leased for variety of reasons) My would-be agent said he almost always pushing to list on Thurs PM, so it’ll catch buyers eyes quickly if scouring the apps and also allow a full business day for agents to inquire and schedule showings through the weekend (or facilitate an open house if that’s your thing). I believe continuation of that strategy then allows for final clarifying questions to occur Sunday evening; with offer deadlines by COB Mon (or Tues at latest) to allow all interested bidders another business day to get ducks in a row for proof of funds and/or updated pre-qual letters as needed. Sent from my iPhone using Tapatalk
  10. Card still tenaciously sucks (unsurprising), but I was also surprised how fluffy and unathletic Ewers appeared. I guess his one good throw was encouraging, but would’ve been nice to see even a moderate indication of conditioning and/or weight training from a guy whose had fuck-all to do for basically 3 years other than finesse NIL money. Sent from my iPhone using Tapatalk
  11. Card still tenaciously sucks (unsurprising), but I was also surprised how fluffy and unathletic Ewers appeared. I guess his one good throw was encouraging, but would’ve been nice to see even a moderate indication of conditioning and/or weight training from a guy whose had fuck-all to do for basically 3 years other than finesse NIL money. Sent from my iPhone using Tapatalk
  12. ^^Do we know for sure that ATexan isn’t a Rocko sock? Sent from my iPhone using Tapatalk
  13. Kudos to Click for making me genuinely miss the likes of Tony Kemp and Abraham Toro. Sent from my iPhone using Tapatalk
  14. Odo should’ve never broken camp as starter in the first place; certainly not in place of a viable alternative like Javier. He’s overpaid at any role/duty/position regardless of circumstance, why forfeit entire games just because he’s a sunk cost? Sent from my iPhone using Tapatalk
  15. Maybe Yuli should start eating pizza again Sent from my iPhone using Tapatalk
  16. I think that was Agswin who dropped that HR ball lol Sent from my iPhone using Tapatalk
  17. I think this is the angle. Homestead protections are sufficient for majority of owner/occupants at today’s salaries…but a lot of LLC cash flow projections just got a helluva wake-up call…not to mention newly minted speculators in the mid-to-upper tier condo market Sent from my iPhone using Tapatalk
  18. This was my experience as well…my servicer won’t adjust it without a certified appraisal even though my market value is up over 45% since I purchased in late 2020. My PMI is only $26/mo so I’m better served just eating the dick until I reach 80% LTV than waiting ~2 yrs to recoup the appraisal cost. Sent from my iPhone using Tapatalk
  19. Tough evening for the ROI associated with $36M in total guarantees for Baez and Odo Sent from my iPhone using Tapatalk
  20. I’m surprised that Seller even accepted your son’s offer that far “over ask” on a conventional loan in the absence of an appraisal waiver (e.g. promising in advance to makeup the difference)…this outcome was not difficult to predict. As mentioned above, only reason you haven’t heard more stories like these recently is because vast majority of bidding wars are going to cash buyers which renders the appraisal issue moot. If your son is focused on “being his own man” then he should buy a tract home somewhere outside of San Marcos that he can viably afford with financing direct thru the builder…he’s almost guaranteed to never get an appraisal to match “over the top” offer prices in Austin unless there is a seismic market correction….at which point he will either be facing exorbitant interest rates, wrecked portfolio, and/or loss of employment and therefore screwed regardless. Just give him the cash to close and call it good; you are both very fortunate to even be in this situation if he’s dead set on buying in Austin. Sent from my iPhone using Tapatalk
  21. As rates continue to climb, are yall seeing (or do you predict) any corresponding tightening of lending standards? Higher rates (obviously) will impact DTI calculations and corresponding borrowing limits…but I wonder if underwriters (or Fannie/Freddie) may soon have new ideas or restrictions of their own in anticipation of recessionary impact / job market disruptions? When I bought condo during “peak Covid” of Nov 2020 I recall having my income/employment verified multiple times (right up until closing), but there didn’t seem to be any “marketplace adjustments” for DTI limits at the time.
  22. Our first signs of rationing/hoarding/desperation driven by shortages have now appeared with regard to baby formula. Is beef/chicken next? Any other guesses? https://amp.usatoday.com/amp/9525498002 “Among the states hit worst with baby formula supply shortages, according to Datasembly: Minnesota had the highest out-of-stock percentage for the week of March 13th at 54%, followed by Connecticut, Hawaii, Iowa, Louisiana, Maryland, North Dakota, Rhode Island, South Dakota and Texas, all at 40% or higher. Cities with the highest out-of-stock rates: San Antonio (56%), Minneapolis (55%), and Des Moines (50%), for the week of March 13. Houston, New Orleans, and Oahu were above 45%.”
  23. Dunno what happened rest of my original post, so I guess I will try again; sorry for the spam: ======== Bumping for another POV since this one hits close to home… If hassle-free viewing is important to you (and/or you are Surly 8%), then best approach is to purchase a FuboTV subscription; which enables you to stream the standard ATT SportsNet broadcast (on any device like Roku or SmartTV) without blackout restriction as if you were living in the Houston market. It is bullshit expensive (like $65/mo), but also gives you a ton of other channels that (presumably) will allow you to cancel all other streaming services (outside of maybe Netflix). Fubo also generally performs very well on their web-based service and mobile app if you like to watch games on your phone and/or laptop. Pro-Tip: If you are cost-averse to Fubo but are also confident in the Astros…bet $500 on them to win the division (@ -175) + another $150 to win ALCS (+450) and an extra $100 for World Series (+1000)….If they win the division then your next two bets become a “free roll”; if they win the pennant you’ll win equivalent of two full seasons of Fubo coverage, and if they win the title you get an extra grand to offset what you paid to attend one of the WS games. I’ve adopted the same general strategy since 2019 and had good success (having them at +1100 for pennant last year was awesome)…plus owning a division title futures bet also makes the regular season a lot more “fun” since there’s something at stake every night. Sent from my iPhone using Tapatalk Sent from my iPhone using Tapatalk
  24. Bumping for another POV since this one hits close to home… If hassle-free viewing is important to you (and/or you are Surly It is bullshit expensive (like $65/mo), but also gives you a ton of other channels that (presumably) allows you to cancel all other streaming services outside of Netflix. Fubo also generally performs very well on the web-based service and mobile app if you like to watch games on your phone and/or on laptop. Pro-Tip: If you are cost-averse to Fubo but are also confident in the Astros…bet $500 on them to win the division (using free bet @ -175) + another $150 to win ALCS (+450) and an extra $100 for World Series (+1000)….If they win the division then your next two bets become a “free roll”; if they win the pennant you’ll win equivalent of two full seasons of Fubo coverage, and if they win the title you get an extra grand to offset what you paid to attend one of the WS games. I’ve adopted the same general strategy since 2019 and had good success (having them at +1100 for pennant last year was awesome)…plus owning a division title futures bet also makes the regular season a lot more “fun” since there’s something at stake every night. Sent from my iPhone using Tapatalk
  25. I’m not sure if this is still relevant for anyone; but I used a regular Samsung “Smart TV” home screen to download AppleTV+ app then logged in using my normal AppleID/iPhone credentials. We’ve been streaming without any issues since the first inning…so may be worth a try for those of yall with regular cable and/or Roku only if your TV model allows you to stream directly from the device. Sent from my iPhone using Tapatalk
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