Recruiting Football Talk VIII

[SSVol]

Boomers be like...

I'm a boomer. I like dark mode.

I also drive brand new vehicles. Expensive ones. They are nice.

 

[jave36]

“Less likely” isn’t quite an absolute. It’s just meaning a reduced probability. A lot of the info I provided comes from the book “The Next Millionaire Next Door” where they did studies on high net worth people in America. What they found was that achieving $1M+ net worth has less to do with income and more to do with habits. The book is all about those habits and new vehicles were just one variable. There are exceptions like you listed. Illness, accidents, and low income are all barriers but the book is more about median income management. It’s really interesting.

Not claiming to be a millionaire, but my wife embodied this. She worked night shift at a factory and pulled overtime/weekends any time they would let her. Ate beans, rice, PBJ sandwiches for 5 years. Drove an old car. Never bought new clothes. Never ate out. Had roommates. Paid off her (older but still) house before she was 30. Her pay was below average, but her wealth was way above average because of her habits.

 

[OGbabyaviVol]

There's a bank near my house with a scrolling marquee advertising 3% 18-month CDs. Mind-boggling to think that anyone would sign up for that. I get nearly 5% in my savings account and can move my money around freely whenever I want.

Who are you with that you almost get 5% in your savings account?

 

[mrMet]

Who are you with that you almost get 5% in your savings account?

Most HYSA offer 4% minimum

 

[Ulysees E. McGill]

Honestly, the way Nico handled the bowl game gave me a ton of confidence, even though he didn't blow up the stat line.

Playing a team with a great defense, a poor offense, and having a banged up receiving corps he took exactly the right approach. He let the game come to him, made some plays with his feet, and didn't make any mistakes knowing Iowa wasn't going to drop 30 points on us. Such a mature performance for a freshman.

It's only 1 game though so you're right that it's all just potential at this point.

I bet you'll get your explosive game against UTC. I'll be surprised if he averages less than 10 yards per attempt in that game.

My point was just his passing, not his running and managing....we've never witnessed him dicing anybody up. If this offense is going to be a regular Heupel top 5-10...Nico has to be able to do that as a matter of course, not just when we are playing crappy defenses.

I do think he probably will, his talent is obvious and ridiculous...but..I don't KNOW it yet...I've never seen him do it.

 

[VOL608]

Offer the 16 year old Olympic sprinter a scholarship. Let Leonard Scott recruit him.

 

[Ulysees E. McGill]

Do any of you have classic cars?

I bought a 72 Bronco in mint condition back in the early 90s, but sadly it became a casualty of my addiction.

 

[Rishvol]

Offer the 16 year old Olympic sprinter a scholarship. Let Leonard Scott recruit him.

Especially when you can say Tennessee had the 2 runners who dethroned Usain Bolt

 

[Volbucky]

He got this info from VQ. TIFWIW but a supposed “insider” on VQ that the posters there seem to trust is saying Tony V’s new contract is going to be announced soon with an AAV of $3 million.

So you’re saying he has inside info?

 

[Ten_Titans]

Who are you with that you almost get 5% in your savings account?

I get exactly 5 through Wealthfront. They started this cash account offering high APIs, but have recently added all the checking account features. I pay my bills with it and have my direct deposit set up through it. No issues.

 

[Weezer]

Hope you're feeling better?

Good days and bad.

 

[OrangeVolMan]

Who are you with that you almost get 5% in your savings account?

CIT Bank offers 5% on savings accounts.

 

[Weezer]

It could also be the uncooked puppy meat. . .

There's that bad humor again. Suddenly I'm feeling worse. Unfunny people are a plague on the rest of us.

 

[Ulysees E. McGill]

Proverbs says that "The debtor is a slave to the lender."

I used to think that was colorful language to make a point, but as I've looked back on my life and reevaluated the system we live in, I actually read that quite literally. Debt causes us to spend a lot more time doing things when we'd much rather be doing something else. Interest is money thrown away for most of us. We'll never get it back. That money is invented. "Printed" out of nothing. We spend our lives trading hours of life that we'll never get back, just for a piece of paper or a direct deposit of that thing that they printed out of nothing. We go into debt and add interest payments so that we can have things now that we can't afford yet.

We chase more things we can't afford because there is an entire marketing industry that is actually psychological warfare against us. The sellers know they are selling us things we don't need. So, they hire people who are studied in the psychology of fear and our own feelings of inadequacy. If you don't look, smell, dress, or drive <these things>, then you won't measure up. Cover your inadequacies by buying this <thing> that you either don't need, or is more than you need.

How much better will most of us be if we slow down, figure out at any given time what's (A) an actual need that (B) I need NOW. Stop going into debt for things. Wait as often as possible until you've saved and can pay cash.

And to the younger folks. The quicker you wake up to this, the better off you'll be.

Go sit and talk to the 70 year old greeter ay WalMart, who can't afford to retire and can't afford to live on their social security. There's a good chance they didn't wake up until too late. Ask them how much money they think they spent in interest over their lifetime, and whether that amount would help them retire today. (Note, this is in no way meant as an insult to the poor. There are indeed poor people who have always been poor, never took out a loan, and are still poor. But in America, there are FAR more people who waste a lot of damn money on debt that they never really needed to have. And they will never get the time back because they're basically working their entire life for the bank, their masters.)

I agree...but if people quit buying things...then people quit making things..then nobody has anything or can do anything like travel....because nobody has money.

 

[knoxvol52]

The orange tops are the best jersey we have

Yes the Orange tops are but the players should wear the uniforms they want to as a team.

 

[Gus D's kernbred]

I bought a 72 Bronco in mint condition back in the early 90s, but sadly it became a casualty of my addiction.

I love broncos! I have had every body style except for the first generation like yours. I would love to have one of them.

 

[Glitch]

I'm a boomer. I like dark mode.

I also drive brand new vehicles. Expensive ones. They are nice.

Zoomers be like...

 

[mrMet]

Yes the Orange tops are but the players should wear the uniforms they want to as a team.

Of course but that isn’t what checkerboard was talking about

 

[Orange_Crush]

Eh, never been a fan of gold, but it's hard to imagine it won't spike when interest rates start to go down. I don't know if the gold market has priced in rate cuts yet like the SP 500 seems to have done.

I admittedly have stayed away from it mostly because the scammy-seeming infomercials that always pitch gold seem so sketchy. I haven't put a lot of research into it.

I'm not sure if it's as much an investment as it is insurance against inflation. And as bad as inflation has been lately, I'm not sure there's much of a difference at the end of the day.

And, I'm talking physical gold. Not pieces of paper that claim that you own it, but you can't put your hands on it.

 

[Theshag]

CIT Bank offers 5% on savings accounts.

Morals aside, Marcus from Goldman Sachs offers 4.5-5%.

 

[Ulysees E. McGill]

I love broncos! I have had every body style except for the first generation like yours. I would love to have one of them.

It is one of the biggest regrets of my life..I sold it to my business partner in 96 for really super stupid reasons...he still has it and sends me pics to aggravate me....it still looks as beautiful as it ever did..

 

[VOL608]

Especially when you can say Tennessee had the 2 runners who dethroned Usain Bolt

Who are those UT sprinters bc Bolt was never dethroned in the Olympics? Bolt has 8-10 medals.

 

[Jack Burton]

I'm not sure if it's as much an investment as it is insurance against inflation. And as bad as inflation has been lately, I'm not sure there's much of a difference at the end of the day.

And, I'm talking physical gold. Not pieces of paper that claim that you own it, but you can't put your hands on it.

In that case go to a coin show. You can buy physical often without reporting it to the gubmint.

 

[voltn21]

CIT Bank offers 5% on savings accounts.

I got 5.1% with Alto Bmo.

 

[DD4ME]