ATLabama
| Favorite team: | Alabama  |
| Location: | |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 1602 |
| Registered on: | 1/31/2013 |
| Online Status: | Not Online |
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re: Birds sign Mariota to 2 year contract
Posted by ATLabama on 3/22/22 at 12:23 pm
If you think this is anything more than a bridge QB... you need to relax.
0
re: What's the coolest college campus you've ever personally visited?
Posted by ATLabama on 3/22/22 at 10:54 am
Fortunate to have visited quite a few.
Honestly, most of the best ones reside in California.
In no particular order, the best I've visited are:
- UCLA
- Pepperdine
- Harvard
- Stanford (really do love Palo Alto, as well)
- UC Santa Barbara
- U of Washington
The problem with the SEC is, virtually every school is either in a cool town, or has a nice campus. There isn't a single one that has both. Some have neither.
For example:
Nice Campus, Town Sucks:
- LSU
- Alabama
- Ole Miss (It's a nice town, but it's very limited in options after a while)
Nice town, campus sucks
- UGA (Biggest disparity, those 70s buildings are disgusting but town is great)
- Kentucky
- Tennessee
- Arkansas
- Auburn
- Vandy
You only like it because you went there:
- Mizzou
- S. Carolina
- Florida
- Miss State
- Texas A&M
Honestly, most of the best ones reside in California.
In no particular order, the best I've visited are:
- UCLA
- Pepperdine
- Harvard
- Stanford (really do love Palo Alto, as well)
- UC Santa Barbara
- U of Washington
The problem with the SEC is, virtually every school is either in a cool town, or has a nice campus. There isn't a single one that has both. Some have neither.
For example:
Nice Campus, Town Sucks:
- LSU
- Alabama
- Ole Miss (It's a nice town, but it's very limited in options after a while)
Nice town, campus sucks
- UGA (Biggest disparity, those 70s buildings are disgusting but town is great)
- Kentucky
- Tennessee
- Arkansas
- Auburn
- Vandy
You only like it because you went there:
- Mizzou
- S. Carolina
- Florida
- Miss State
- Texas A&M
re: Paying your kids for good grades
Posted by ATLabama on 3/14/22 at 1:38 pm
If you consider the cost of a scholarship it may be the best money you'll ever spend as a parent.
re: Any of you suffer from not being able to sleep ?
Posted by ATLabama on 3/8/22 at 6:14 pm
quote:
Read a book in bed … turn the tv off and the phone off
Yeah, the gadgets keep our mind way more stimulated than it should.
re: When did you know the pandemic was over?
Posted by ATLabama on 3/8/22 at 4:38 pm
I knew we'd get some dumb arse answers like "it never happened/IDGAF"...
But in reality, when I felt it was truly over was actually somewhat recently - it's when places that are normally freaks about it, stop the mask lunacy.
Ergo, traveled to NYC and Boston last week and every bar had no mask and even half the folks riding the subway weren't wearing them.
The fact of the matter is, in high-density places (no, not the local saloon in Slidell) there seems to be a final exhale.
But in reality, when I felt it was truly over was actually somewhat recently - it's when places that are normally freaks about it, stop the mask lunacy.
Ergo, traveled to NYC and Boston last week and every bar had no mask and even half the folks riding the subway weren't wearing them.
The fact of the matter is, in high-density places (no, not the local saloon in Slidell) there seems to be a final exhale.
re: The fans are the biggest losers in the lockout
Posted by ATLabama on 3/4/22 at 12:45 pm
The sooner you realize this is a business and you're a customer, the better you feel.
It was tough when I was a kid and the NHL lockout season happened - was a big Thrashers fan, and it killed me.
But as an adult, I shrug my shoulders and know darn well that they don't care about the fans emotions, and honestly, outside of customer retention, why should they?
Sports teams cost a ton of money. The average rate of return is roughly 7-8% YoY on enterprise valuation, and the stock market last year (though an anomoly) was 19%. PE investments usually yield 12-25%.
I don't mind the owners protecting their absurdly large investment and I don't mind players sticking up for getting paid relative to their market worth. It's a business.
This sob story of the "average fan" usually falls on deaf ears, and plainly, it should. You're a customer. If you don't like it, find another product. That's the business risk they run during labor disputes and it's the right you have as a consumer.
It was tough when I was a kid and the NHL lockout season happened - was a big Thrashers fan, and it killed me.
But as an adult, I shrug my shoulders and know darn well that they don't care about the fans emotions, and honestly, outside of customer retention, why should they?
Sports teams cost a ton of money. The average rate of return is roughly 7-8% YoY on enterprise valuation, and the stock market last year (though an anomoly) was 19%. PE investments usually yield 12-25%.
I don't mind the owners protecting their absurdly large investment and I don't mind players sticking up for getting paid relative to their market worth. It's a business.
This sob story of the "average fan" usually falls on deaf ears, and plainly, it should. You're a customer. If you don't like it, find another product. That's the business risk they run during labor disputes and it's the right you have as a consumer.
re: Jordan Love Speculation
Posted by ATLabama on 2/21/22 at 10:27 am
That's another BS rumor. Pay no heed.
re: Now the Olympics is over, who was the hottest Olympian? (NSFW)
Posted by ATLabama on 2/21/22 at 10:14 am
Laughing HARD at Asian women getting all of those "yes's" from men.
I thought it was just me and my friends.
I thought it was just me and my friends.
re: Jaxxton should have stuck to travel ball
Posted by ATLabama on 2/17/22 at 11:35 am
This man is 35??
re: Prettiest jumpshot you’ve ever seen
Posted by ATLabama on 2/17/22 at 11:10 am
In no particular order:
Ray Allen
Klay Thompson
Steph Curry
Kyle Korver
Larry Bird
Trae Young
Reggie Miller
Steve Kerr
Joe Harris
Dan Marjle
Ray Allen
Klay Thompson
Steph Curry
Kyle Korver
Larry Bird
Trae Young
Reggie Miller
Steve Kerr
Joe Harris
Dan Marjle
re: TIL it is illegal to do a criminal background check on prospective tenants in Oakland
Posted by ATLabama on 2/17/22 at 10:02 am
quote:
You sure about that???
Just because something is slightly democrat or has a balance doesn't mean it isn't nice.
I'm a GOP guy but there is no denying the absolute dumbest, fattest, and economically depressed states are all Red.
I don't see much of a correlation.
I've always found it comical when people from Alabama talk about another state or place being anything "less than." Do you know how ridiculous that sounds?
re: TIL it is illegal to do a criminal background check on prospective tenants in Oakland
Posted by ATLabama on 2/16/22 at 4:56 pm
quote:
California is a shithole for a reason.
*Northern California.
If you go to Orange County or the northern parts of LA county, you'd think you landed in paradise.
San Diego is also an amazing place to be as well.
Fortunately, all of the Tech companies know now they can operate in a remote environment and leaders know that they can leave... I absolutely see San Francisco going the way of Detroit in 20-30 years.
re: When did you realize you were getting older and not a spring chicken anymore?
Posted by ATLabama on 2/16/22 at 3:27 pm
This may sound simplistic, but it kind of is: the way you treat your body is akin to how your treat your car in terms of future performance and longevity.
Like a new car, a young body can still perform well, look good, and look the same no matter how well or poorly you take care of it. The difference shows up in the middle to later years of the lifespan of the car, as does the human body.
Do you exercise 5 days a week? Do you eat good, natural foods regularly? Do you get enough sleep? Do you hydrate with water? Do you significantly limit your alcohol and drug intake compared to your younger years? Do you use lotion for your skin? Do you read good books and stay engaged and on an upward trajectory in your profession? Do you have good friends? Do you treat others well? Do you and your spouse have a good relationship?
Much like a car with a lot of parts, it's a lot to keep everything in your life in tip-top shape with a lot going on.
But for the most part, if you make a concerted effort to answer "yes" to all of the above, you will not fail.
I feel, look, and act better now at 31 than I did at 22 and I see no reason why I can't continue to improve as many men who make concerted efforts in their 30s and 40s for many ages.
Like a new car, a young body can still perform well, look good, and look the same no matter how well or poorly you take care of it. The difference shows up in the middle to later years of the lifespan of the car, as does the human body.
Do you exercise 5 days a week? Do you eat good, natural foods regularly? Do you get enough sleep? Do you hydrate with water? Do you significantly limit your alcohol and drug intake compared to your younger years? Do you use lotion for your skin? Do you read good books and stay engaged and on an upward trajectory in your profession? Do you have good friends? Do you treat others well? Do you and your spouse have a good relationship?
Much like a car with a lot of parts, it's a lot to keep everything in your life in tip-top shape with a lot going on.
But for the most part, if you make a concerted effort to answer "yes" to all of the above, you will not fail.
I feel, look, and act better now at 31 than I did at 22 and I see no reason why I can't continue to improve as many men who make concerted efforts in their 30s and 40s for many ages.
re: 20% down on a house…is it dumb?
Posted by ATLabama on 2/14/22 at 1:45 pm
Debt in the hands of smart people, is a great asset. In the hands of the reckless or unknowing, isn't a bad one.
I generally think the decision making should be this:
(1) What are you EXTREMELY comfortable making on a monthly housing carry cost? Simple formula - > Take your monthly, after tax income and multiply by .25. Then, once you figure out what your ideal payment is, multiply that number by 1.1 (the average cost of annual upkeep an maintenance.
For example: $10,000 (after-tax, after 401(k) income x .25 = $2500. $2500 x 1.1 = $2,750. So, if you put down 5% on a house where your monthly payment is $2,500, you are likely looking at a home in the $425,000 range in terms of value at a 3.5% interest rate.
(2) Once you do that, it's basically a cost of capital analysis... You're paying a 3.5% interest charge for a house that, if you include upkeep (can be significant) only goes up over a 10-year average... roughly 3-5%. That is great as an inflation hedge, but if you consider transaction costs if you move, it's not a really an ideal investment considering the market has appreciated 10% on average YoY.
If you read "Rich Dad, Poor Dad," you'll see why a house isn't really an asset, because in general it doesn't make you that much money compared to easily found alternatives.
But to answer your question, 5% down is really a determination of whether or not it still puts you in a spot to save 25% of your after-tax, after retirement income to deploy towards investment opportunities.
I generally think the decision making should be this:
(1) What are you EXTREMELY comfortable making on a monthly housing carry cost? Simple formula - > Take your monthly, after tax income and multiply by .25. Then, once you figure out what your ideal payment is, multiply that number by 1.1 (the average cost of annual upkeep an maintenance.
For example: $10,000 (after-tax, after 401(k) income x .25 = $2500. $2500 x 1.1 = $2,750. So, if you put down 5% on a house where your monthly payment is $2,500, you are likely looking at a home in the $425,000 range in terms of value at a 3.5% interest rate.
(2) Once you do that, it's basically a cost of capital analysis... You're paying a 3.5% interest charge for a house that, if you include upkeep (can be significant) only goes up over a 10-year average... roughly 3-5%. That is great as an inflation hedge, but if you consider transaction costs if you move, it's not a really an ideal investment considering the market has appreciated 10% on average YoY.
If you read "Rich Dad, Poor Dad," you'll see why a house isn't really an asset, because in general it doesn't make you that much money compared to easily found alternatives.
But to answer your question, 5% down is really a determination of whether or not it still puts you in a spot to save 25% of your after-tax, after retirement income to deploy towards investment opportunities.
re: Do you believe in an afterlife?
Posted by ATLabama on 2/14/22 at 10:40 am
quote:
My teacher explained to me that that's why he believed those other 4 billion people have a chance at getting into Heaven, if it exists. The parable mentions nothing about being a believer in Christ or even God. It just talks about being a decent person. There are pretty easy counter arguments in scripture that one could use to dispute this belief, but there is a number of conflicting information in the Bible and it's a matter of interpretation. The answer gave me hope, so I ran with it, right or wrong.
This is a great answer, and think it makes a ton of sense.
I think the Judeo-Christian society in the United States has set us up to be one of the most fiscally and accepting places on the planet, if not the most (despite what media outlets say).
But the idea that one could be born into the world, never understand or hear the "good word," and be sentenced to an eternity of suffering is incredibly flawed both logically and emotionally.
Are the Catholic Priests who diddled little kids really in favor to the lord more so than a practicing Buddhist with a virtuous life?
If the answer is a stern "yes," it's worth challenging the belief system we got here.
re: Is 1979 USC clearly the most talented team to play LSU in Tiger Stadium?
Posted by ATLabama on 2/14/22 at 9:02 am
LSU Tiger Stadium saw the 2019 LSU Tigers and the 2020 Alabama Crimson Tide.
They are both up there in the 2001 Miami Hurricanes level of dominance conversation, and in 15 years I'd imagine we're seriously looking at 4-5 NFL Hall of Famers from those collective teams and that may be a conservative estimate.
They are both up there in the 2001 Miami Hurricanes level of dominance conversation, and in 15 years I'd imagine we're seriously looking at 4-5 NFL Hall of Famers from those collective teams and that may be a conservative estimate.
re: Do you believe in an afterlife?
Posted by ATLabama on 2/10/22 at 1:45 pm
quote:
Because of my profession of faith in Jesus, I believe I'll be on high, and I hope all of you are there as well.
I too believe there is a holy lord for which we will answer to. Faith is a big part of my life during the good and bad.
The one issue I've always had with Christianity is plainly this - it's the Christian way, or the highway (to hell).
In a world where 4 billion people are not born unto the Christian faith, does that mean all are to succumb to a fiery death? What about Buddhists, Jews, or those of the non-radical Islamic faith? From what I loosely understand, virtually all of the "rules" of the bible in terms of human behavior align. It's when process and after-life rituals come into play are there issues.
I love my relationship with the lord, but I do ponder those questions. I also respect that, much like astrophysics, I may not be able to comprehend a complete answer until my time on earth has finished.
re: It’s TIME!!!
Posted by ATLabama on 2/8/22 at 10:41 am
quote:
If Joe Burrow can lead a Bengal team to the Super Bowl with a shittier OLine than ATL and in his 2nd year (1st real full season), what's Ryan's excuse?
Man, you made some good points until this.
The real crux of the Falcons versus the Bengals is - outside of the Bengals offensive line (which is still better than Atlanta's), every other position group sans TE/K/P is WAY better.
The Bengals WR group has Chase, Higgins, Boyd, and Thomas. Russell Gage wouldn't be a top-3 receiver here, yet he's #1. The Bengals have a far better RB stable, though not as bad with CP84's emergence.
What is oft-overlooked is basically this - Matt Ryan has hardly ever had a great defense, if even good. The Bengals have at top-10 defense. The Falcons is among the worst in the NFL and has been for most of Ryan's career.
Burrow has done wonders but Matt Ryan would EASILY have the success that team is having with him at the helm. If you don't think football is an All-22 team game, my gosh go look at Matt Stafford. He never won a playoff game in Detroit (since 2009!) and he goes to a good team and in 9 months learns the offense, and is likely going to win a Super Bowl.
The Burrow/Ryan take throws your whole argument off.
If the Falcons can get some talent around Ryan, I think you'll see a drastic turnaround.
Without him at the helm last year, I am almost certain we wouldn't have won a single football game.
This dude is a bonafide HOF QB. Let's get him some help.
quote:
Pretty much any decent sized city in the South with a large minority population has a high murder rate. Birmingham, Montgomery and Mobile aren't much different in that regard.
You mentioned a bunch of cities that also suck in a state that is one of the only 2 worse in education and in GDP.
re: Is it time to admit Nate Oates isn’t a good coach?
Posted by ATLabama on 2/3/22 at 11:03 am
quote:
Case of great recruiter but bad coach? Don’t get me wrong, he has put excitement back into the program, but how much rope will he be given based on the poor performance so far this year?
You can almost bet on the population size of a posters hometown based on the level of stupidity of their post.
Good grief.
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