Soxbadger

I think if years ago Bernie would have switched from Independent to Democrat and been a better team player, he would have had a much better chance. Hard to elect a guy to be president of the club he doesnt even want to join.

They are a young team. Most of them have never played an inning of playoff baseball. Its a shortened season so its better to experience some stupidity now then later. Hopefully they use this to realize that it is a lot harder to win if you play stupid.

Going to have to disagree. Ball beat him there in my opinion.

Its 1 loss, they are in first place with a really young core. Shitty things happen, they need to learn not to take games like this for granted.

Im pretty sure most of us were watching on tv not listening to Stone on the radio. He dropped the ball, it was a screw up.

The overreactions after losses are the best.

I joined Draft Kings to start. Well see how it goes and its mainly for fun. I did the KC bet seeing as Im sure the point is to try and get you addicted.

What book are people using in IL?

Because the comparison isnt very good. And even if we use your comparison, youre argument would be akin to saying that you are better off not getting the 2nd shoe free. Ive never been to shoe carnival, can you negotiate instead of a buy one get one, that you just want the first shoe at half price? I presume the answer is no, so why would you not get the 2nd shoe? Or are you arguing that you should go to a better shoe store with higher quality shoes because shoe carnival has poor quality shoes and artificially raises the prices to then sell at bogo?

The buyer isnt paying the commission. I dont know how many times that needs to be explained to you. Even when Redfin represents the buyer they merely offer the buyer a discount because they have no ability to negotiate down the seller's realtor's commission. https://www.redfin.com/home-buying-guide/buying-a-home The reason people keep questioning you is because the company you are pitching, Redfin, doesnt even support the model you are suggesting. They are merely trying to become volume realtors by offering their clients lower commission rates.

You were giving stock tips and imo you had faulty information. As someone who has been on this board for a long time, I felt I had an obligation to other members to provide the facts as I know them. Still to this moment you are basing your argument on faulty information. Redfin gets their information from the MLS, which is the same information that the broker has. All Redfin is doing is making the information public and then slapping bad data on it. The information about housing prices on Redfin/Zillow is wildly inaccurate and is completely unreliable. Even worse, they change their own information over time making it completely useless. For fun I check the Redfin value of my house monthly if not weekly. I noticed a strange trend where in month A it shows its value as 100. Then 6 months later when you look back at month A it shows it as 150. I have no idea why this happens, but at minimum it proves that their estimates are unreliable. That being said, yes you can run redfin/zillow and see the properties that have been sold in the last 6 months, do your own comparison and then price out your own house and try and negotiate. If you think that is similar to buying a $10 shirt at sears versus amazon made by the same company, then there is no point in this discussion. But the majority of people I work with are not that comfortable doing their own negotiation, especially when it comes to the largest purchase in their life. Im not a realtor, I dont care one way or the other.

You still are failing to address the main issue, which is it is the seller, not the buyer who has to pay the commission. You keep talking about when you purchased your house. If the buyer has no agent, the seller's agent keeps the 5%. You could try and under the table negotiate the seller's agent to reduce their commission by 1-2% as the buyer, but most agents wont go for it because they dont want to set the precedent in the future. I am not a real estate agent, I dont have a vested interest. I am just explaining to you based on my experience. I represent a significant number of millieanials in real estate transactions. Every one used a realtor. If a client came to me as a buyer and asked should I use a realtor, I would tell them yes. If they asked should they use a redfin realtor, I would tell them its their choice but my experience is that they are not as good as other realtors. Right now anyone can sell their house "by owner." The problem is that you arent going to get nearly as many looks because realtors who represent buyer's are going to be more hesitant to work with you. They also are going to want their 2.5%. So you would be saving 2.5% by not using an agent. Maybe that will all change. But the millenial buyers I have worked with likely would not have been able to negotiate the purchase of their own home. Many require an extreme amount of hand holding through the entire transaction.

If you were my client and you told me you wanted to buy a property worth over $100k only seeing it virtually, Id say its foolish. You are talking about what is usually the most expensive purchase that most people will make in their life. The issue that you still havent addressed is that the buyer does not pay the commission, the seller does. Seller's have every ability right now to list their property "by owner" and have it picked up on redfin/zillow. Of all of the real estate deals that I have done, I can count on 1 hand the amount that have been "by owner" as it is 3. The first was a condo owner buying from another owner in the same building so that they would have the entire building. The second was a realtor selling to another realtor. And the third was an estate selling to one of the children of the heirs. Every other deal has had a broker. Redfin is already trying to do what you are suggesting: https://www.redfin.com/why-redfin-how-you-save As I said before in IL the average commission is 5%. If you use redfin's model it would be reduced to 3.5%. The issue is that in IL in order to negotiate real estate you have to have a realtors license. So Redfin has realtors who they pay lower commissions. If you really believe that every agent is the same, then feel free to use the ones who are in Redfin's pool and who are accepting lower rates. But I promise you, there is an ocean of difference between the best realtor and the worst realtor. Now every state is different, but in IL the model is what it is. I wont reiterate what Pete said but a couple of things. Just because someone is getting a bigger mortgage doesnt mean they are higher risk. Also a much larger mortgage nets the bank much more interest even at a lower rate. Thus when you are looking at large mortgages there is a lot of competition and therefore the rates have to stay competitive.

This one doesnt make a ton of sense because of 1) Redfin is trying to get into the realtor game and 2) it misses how real estate commissions work. The seller pays the real estate commission. In IL the general rate is 5%. So if you as a buyer have no realtor the seller's realtor gets 5%. If you get a realtor the seller's realtor then splits the commission with the buyer's realtor so each of them get 2.5% of whatever the agreement is. So you would have to negotiate that the seller's realtor gets less commission. Which is why as a buyer you might as well have a realtor because technically you dont pay anything for it. "By owner" would be the exception as then there is no seller's commission, but most people dont want to sell their home "by owner" so the real estate commission is already there. The only paperwork prepared by your realtor would like have been the initial contract which is usually just a form they fill in like a Multiboard 7.0. The 1000 documents are usually from your lender and even during the height of the pandemic they were requiring buyers to sign in person (although they did allow them to sign in cars if they presented ids to the title company.) The hundreds of pages arent going anywhere because banks arent going to take any extra risk, Since COVID started closing packets have increased in pages because now they are requiring people to sign and swear that there have not been any changes in their employment or they dont believe there will be. And dont use Quicken loans, they are the worst lender I have ever dealt with.

Disagree, this draft is a clusterfuck and no reason to trade draft capital. And I dont want Melo. Maybe hes great but just dont trust anything to do with that family.

Yes you give a QO and I think you offer 3 years 30 mil. He most likely turns it down and gets more money, but there are way worse ways to spend $10mil.

That pitch was pretty good.

If we are comparing bitcoin to the US dollar in 1803 then they are both extremely risky. In 1803 the US dollar wasnt nearly as safe as it is now and my guess is that the British Sterling Pound was likely seen as the superior currency. If your saying that 50 years from now Bitcoin may be more useful than the US dollar, sure maybe. But that is a long time. Betting 1% on bitcoin is no different than betting on Amazon, whoever. But that really isnt what a currency is supposed to be about. In my opinion the point of the US dollar is that I wake up tomorrow and my dollar is worth roughly the same amount of money. If youre saying that in 20-50 years bitcoin will be much more valuable, then its a more like commodity than a currency.

When I went to college I had one really renowned professor. A few times he didnt show and they would play a tape recording of his past lectures. And as ive said before you pay to belong the country club. Plenty of other people who will gladly pay that price to be a member.

No its not. Hahn said "acquisitions are great" a baseball source said "they suck". They then title the article "Hahn's Acquisitions will suck this year." If you look at the article they explicitly quote the union official:

The real potential disaster is Sturgis. Many of the attendees are likely higher risk to begin with and then they are going to disburse throughout the US and meet up with their friends. I hope Im wrong.

Youve never read a White Sox article where they quote Hahn telling everyone how great all of their acquisitions are?

Id say extremely unlikely Nebraska plays football this year. Logistics are almost impossible and Im not sure Big10 would go for it. The only real issue is NFL draft and i think Big/pac can swing something where the NFL delays it until after the potential spring season. I

All things being equal, outside is safer than inside. But all things arent equal and that is why you compare facts. There isnt going to be a way of testing "100 people at beach no social distancing" vs "10 people in restaurant in 2 groups of 5 seated 10 feet apart." I personally feel the latter is safer, but that doesnt mean you cant feel the former is. Ultimately we have to make our own decisions, but I absolutely understand why in this specific situation, Montrose Harbor, why people were legitimately upset about a large crowd gathering in a small space. Especially given that there was plenty of other space very nearby that was completely unused.

If the argument is what is "safe", isnt the answer "nothing." Going to a crowded beach and eating indoors both have risk. I guess if I have to pick id rather support a business and help people pay their bills than go to a beach where there is a completely unregulated crowd of people who likely havent been following social distancing etc.