TPB X thread

[MtnHusker]

 

[MtnHusker]

 

[MtnHusker]

 

[Jim14510]

I've done some stupid shit on mountain tops while Skiing, Mountain Biking, Hiking and Snowmobiling but this is a big ole hell no for me. Get anxiety just watching it.

Fuck that

 

[Mavsker]

@LoudHogRider this would say loud and clearly "Get off of my lawn"

great gun if you don't like having fingers

 

[LoudHogRider]

@LoudHogRider this would say loud and clearly "Get off of my lawn"

Considered it, but went with the Beretta 1301 Mod.2 in FDE for the "rate of fire" instead. Incredible firearm. NOTHING makes it's way down my hallway that I would consider a legitimate and credible threat. NOTHING.

 

[LoudHogRider]

Saw this yesterday, and out of an abundance of caution I spent nearly 2 hours changing all of my passwords to random, complex 16-24 digit ones. The use of a password management tool (1Password, LastPass) makes the password generation, storage and usability possible. Hell, even Apple's embedded password manager will do this for you.

If y'all are still re-using passwords or writing them down on scraps of paper under your mouse pads, you're simply stupid and deserve whatever misery digital life throws atcha.

 

[MtnHusker]

 

[MtnHusker]

Saw this yesterday, and out of an abundance of caution I spent nearly 2 hours changing all of my passwords to random, complex 16-24 digit ones. The use of a password management tool (1Password, LastPass) makes the password generation, storage and usability possible. Hell, even Apple's embedded password manager will do this for you.

If y'all are still re-using passwords or writing them down on scraps of paper under your mouse pads, you're simply stupid and deserve whatever misery digital life throws atcha.

 

[Mavsker]

Would take a rate of about 15% to cut it by 13 years. If you're making extra payments on a loan at 3.5% you really hate investing.

Ok but if you owned your house outright, would you mortgage it in order to take the money and invest?

For 99% of people that answer is no, but it's the same difference.

 

[1HuskerDad]

 

[1HuskerDad]

 

[Jim14510]

Ok but if you owned your house outright, would you mortgage it in order to take the money and invest?

For 99% of people that answer is no, but it's the same difference.

I absolutely would and have when the rates were lower. Virtually every small business owner does this. House generally not paid off completely but advanced money from the equity in home. Whether its investment in other real estate, active business, passive investments or market.

 

[Mavsker]

I absolutely would and have when the rates were lower. Virtually every small business owner does this. House generally not paid off completely but advanced money from the equity in home. Whether it's investment in other real estate, active business, passive investments or market.

I understand small business owners do this, but most people would not. Nor should they. Yes the market on average returns much more than 3.5%, but it's not guaranteed. The 3.5% is guaranteed. Most people wouldn't want to put their house on the line for the chance at higher returns in the market.

I'm a bit hypocritical here because I invest while having a mortgage, but I am on a 15 year mortgage. I saw way too many people who took on 30 year mortgages for all the house they could afford, and moved every 5 to 10 years, whose houses never appreciated to the point they had substantial equity, and now they're 60 with a mortgage. Plus, there's the whole risk of spending that extra money rather than investing it, which sinks most people who try this plan.

 

[MtnHusker]

What is everybody's thoughts on Natural Grass in the stadium? I know artificial turf has improves since I played but my legs/knees felt it after we played games on astroturf compared to grass. KU's stadium was the worst. Literally like cheap carpeting on top of concrete and it had that 3 foot pitch. Crazy how it sloped down to the sidelines 3 ft from the crown. My buddy who was a Linebacker at KU still talks about how unfair it was trying to cover Eric Bienemy because they motioned or option him towards the sidelines and that sloping field helped him build up speed so he'd blow by people. Either over commit to him on the outside giving up the inside a bit or get toasted as he sprinted down the sidelines

 

[MtnHusker]

Ok but if you owned your house outright, would you mortgage it in order to take the money and invest?

For 99% of people that answer is no, but it's the same difference.

We have clients that are buying investment properties utilizing equity in their primary home. If you can get a good return on a commercial or residential property it can make financial sense. My brother has amassed quite a real estate portfolio by leveraging his properties. It's not without risk but it has served him quite well. And like @Jim14510 said it can depend on factors like interest rates. Real Estate is like the stock market in that it can go up and down but you will be hard pressed to find people who have lost money on real estate when holding it long term unless there our extenuating outside factors.

 

[Mavsker]

We have clients that are buying investment properties utilizing equity in their primary home. If you can get a good return on a commercial or residential property it can make financial sense. My brother has amassed quite a real estate portfolio by leveraging his properties. It's not without risk but it has served him quite well. And like @Jim14510 said it can depend on factors like interest rates. Real Estate is like the stock market in that it can go up and down but you will be hard pressed to find people who have lost money on real estate when holding it long term unless there our extenuating outside factors.

Be that as it may....the point stands that most people should not put their houses on the line for the potential of better returns. It would be insane to suggest that for most people.

 

[1HuskerDad]

 

[1HuskerDad]

 

[1HuskerDad]