Favorite team:Alabama 
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Registered on:1/31/2013
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Off-season is going pretty well. Didn't need to make any sweeping changes, the roster is young and talented.

The biggest if, and it's THE if, is QB.

If Tua finds his form or Penix heals up, we're going to be a 10-11 win team. If not, we're back to 7-8 wins again.
Giving up on Michael Penix Jr. is insane, unless you believe his injury history is too much to overcome.

His arm is the strongest of anyone in the league outside of Josh Allen. He played mistake-free football, for the most part.

Compare his stats to Matt's rookie year stats. He's leading him in many of those categories on a team that's built similar to 2008 (good defense and a dominant run game).

Tua was the choice because he cost $1.2M AND he's a guy that can provide some competition for MPJ while not outright being a guy that would demand a starter spot (like Kyler Murray or even Malik Willis).

The short leash young QBs get nowadays is dumb. Exacerbated by the stunted development curve the free-transfer nature of college yields, the model should absolutely be what the Packers continue to do by sitting young talent and letting them become pros.

You're going to see a lot more arcs like Baker Mayfield and Sam Darnold, primarily because bad franchises don't support and develop young guys like they should.
quote:

Back in the day a coach worth a shite wouldn't let this kind of HORSE shite make the blotter.


There is absolutely no way your are not a baby boomer.
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Wouldn’t go back unless I got paid a lot more


Math absolutely has to check out.

The biggest hump is getting over that first home purchase. Once you've got that out of the way, it's really no different than living in any other nice part of a metro area in Chicago, Dallas, Atlanta, etc... in terms of cost.

California has this retarded property tax law (Prop 73) which means your property tax can only go up no more than 3% off the purchase price every year. In essence, if your boomer parents bought a house in Laguna Beach in 1999 for $800K and now it's worth $4.5M, their tax burden is that of a house worth... maybe $1.4M. It's the single and most obvious reason property is so expensive here. It's an asset people hold onto because they... can't really afford to leave.
Live in Orange County now... about the only tolerable place politically in the state that isn't remote or farm land.

But to your point... man, it's so damn beautiful. You can play golf year round down here. Our family does morning beach walks on the weekends and then we go do brunch with friends overlooking the ocean after.

From a kids perspective, I'm so jealous of my son that he'll get to grow up here. There's a reason SoCal produces so many athletes... it's a 90s throwback around here. Kids ride their bikes (well, a lot of 'em e-bikes now) to each others houses, play outside, go to the beach with friends, and are maniacs about sports.

I do a lot of business in the Bay Area... if we were to live there and money were of no concern, Palo Alto/Atherton, Sausalito, or Orinda would all be top of my list. It is outrageously expensive in the Bay Area (even compared to LA) because of all of the Tech wealth and opportunity around it.

SF proper is lib central, no denying that, but moderate political climates in Silicon Valley, Marin County, and Contra Costa are quite nice outposts for sane people.

I don't love the price of real estate in California, but... I mean there's a reason it's expensive. The state is the most beautiful in the nation and the GDP would place it as the 6th wealthiest nation in the world.

If you've got the $$$ - you'd be hard pressed to find a better place to live well and raise kids than SoCal, south of LAX. Manhattan Beach, Hermosa Beach, Redondo Beach, Palos Verdes in LA county, then once you get into Orange County, Newport Beach, Laguna Beach, Dana Point, and San Clemente are basically paradise.

re: Nfl playoffs

Posted by ATLabama on 1/18/26 at 9:14 pm to
I’m at the point where I’m willing to admit with NIL, the NFL is just an all-around better product.

College football has 3 things over the NFL: (1) Tailgating, (2) Saturday game dates, (3) slight edge on tradition (but losing ground with every ND/USC type contest lost for money).

Everything else, the parity, the longevity of players on a team, the quality of games, the quality of talent, the quality of stadiums… heck, even the amount of hotel rooms for a road game and ease of travel are better.

I know this is an Alabama board, and that the Birmingham metro area was #1 in CFB TV numbers in 2025 (kudos), but the numbers at this point are speaking for themselves. The NFL is just a superior product.

The current state of free-transfer and NIL has made college football a watered down version of its pro counterpart, with a live band, metal bleachers, and worse talent and games.
If you think this is anything more than a bridge QB... you need to relax.
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

re: Paying your kids for good grades

Posted by ATLabama on 3/14/22 at 1:38 pm to
If you consider the cost of a scholarship it may be the best money you'll ever spend as a parent.
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.
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.
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.

re: Jordan Love Speculation

Posted by ATLabama on 2/21/22 at 10:27 am to
That's another BS rumor. Pay no heed.
In no particular order:

Ray Allen
Klay Thompson
Steph Curry
Kyle Korver
Larry Bird
Trae Young
Reggie Miller
Steve Kerr
Joe Harris
Dan Marjle
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?
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.
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.
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.
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.
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.