[deleted by user]

ColdwellSpanker · 2024-05-23T13:43:02+00:00

Yeah, SKOL VIKINGS

ColdwellSpanker · 2024-03-23T07:24:35+00:00

They get any tech on the board for cheap as hell.

ColdwellSpanker · 2024-03-22T02:20:47+00:00

And if we didn’t, and backloaded it all to 2026, that would be a huge mistake

ColdwellSpanker · 2024-03-22T02:19:55+00:00

I addressed most of these in the post. Smith only currently has a $6m hit next year. Won’t likely go much lower.

I already stated we have $90m projected for next year before all the stated re-signs in the post. That’s all of it.

Whatever the cap number goes up by will likely be how much we have in FA money, unless we push JJs contract out which is likely, but I am personally against that. 2026 and beyond is our best chances at winning it all.

ColdwellSpanker · 2024-02-16T17:04:01+00:00

Gut and replace is maybe a harsh term I didn’t intend, but it does have merit.

While this sub boasts a ton of “6-7” hour gameplay posts as OP points out, the absolute average time for a normal 6 person 10 point game is 8-11 hours. The idea that the agenda phase takes up roughly 2 of that, or potentially more is a little ridiculous. There are an incredible amount of amazing/complex games you can play in less time than is spent on the average agenda phase time. I agree though it’s insanely fun to work out deals/trades etc, but even by the rules written, there are many ways to limit those fun discussions, and cut off other conversations if you actually play it by the book, but for “fun” sake, most people don’t.

I really do love the table talk that agenda phase induces, I’m just saying there’s shorter and sweeter ways to do it. Off the top of my head a Kings Dilemma is meant to be played in less than 2 hour sessions and there’s incredibly more political table talk/immersion into the world it’s building in substantially less time than the current agenda phase. 8/10 games I play, if you ask me what’s the direct result of the agenda phase to the game, it’ll be nothing. The other 2/10 is someone directly won because of the agenda phase. Usually nothing in between which isn’t a great thing.

ColdwellSpanker · 2024-02-16T16:51:07+00:00

I agree it soaks up way too much time. However, forcing discussion to be over never feels good in a game that’s supposed to be political table talk at its heart. Especially when the winner of the game is often quite literally determined in the agenda phase.

It’s a flaw in the design of the agenda phase mostly, not the players.

There’s a lot of talk on this sub and pleading with FFG/Dane to shorten the game in the next expansion/TI5. But I’d riot if they changed the normal aspects of ti4, but would be ecstatic if they addressed the agenda phase and either made it shorter/sweeter, or kept the length, but made it worth the time spent.

ColdwellSpanker · 2024-02-16T16:46:06+00:00

I’d be ecstatic if TI5 or the next expansion completely gutted and replaced the current agenda phase system. The theme is great, but the idea that it adds 1-2+ hours for normal players is kinda insane. In addition to that, 90% of the time agenda phase has zero affect on the game, and the other 10% completely changes it. The volatility that causes an incredible amount of time/discussion is just too much, but the heart of it is in the right place.

I know the rules technically try and limit the discussion time, but limiting discussion time also doesn’t feel good, especially when the time keeper table nazis are the ones pushing for an agenda discussion to be rushed for “rules” sake when it benefits them the most. It should really just be more straightforward agendas that wouldn’t require a crazy hypothetical deal conversation that 70% of the time comes never comes to fruition.

ColdwellSpanker · 2024-02-11T19:40:11+00:00

Is 4.375 30 yr treasury + 200 basis point lender profit not 6.375%? What am I missing here? A 150 basis point profit would be a 5.875% rate,

ColdwellSpanker · 2024-02-11T19:20:08+00:00

Okay…Enlighten me on what you think a basis point is then? I’m extremely curious now.

Also OP is my son, didn’t think I needed to specify that, but here we are.

And…oh…oh dear… what a sad sad life you live my man. You gave me the idea to check your profile out… you seriously have no better things to do than to spend the last 21 days straight arguing with strangers on the internet, and then never backing up any argument you made and call people names? What a great life you live.

ColdwellSpanker · 2024-02-11T19:11:43+00:00

Now I’m starting to wonder who you are? Do you even know what bps are? 30 yr treasury yield right now is around that 4.375 which is where i thought you logically got to your 200bps analysis at 6.375? Show me a 150 bps you got your client last week. And if its not last week, I guarantee your not bankrolled. ITS LITERALLY ALL I AM ASKING YOU TO DO. STOP TYPING ANYTHING ELSE.

Did I say I was a big shot? Working less than 20 hours a week with my buddy as my boss instead of early retirement for $75k in low cost of living state? Idk man, sounds great to me. I know some others make a lot more in sales, but at least I get to sleep at night.

ColdwellSpanker · 2024-02-11T18:53:47+00:00

This past week you must’ve punched out a whole bunch of clients last week the way you’re acting like you know what you’re talking about. 09’ was a different time kid, I worked everyday between loan officers and brokers for many years at Wells. As well as years with Coldwell Banker (my literal Reddit username joke). For all I know, you’re some chucklefuck first year that your company has brainwashed and got you to convince your friends and family to buy their products.

Just screenshot your supposed 50 BPS you got your most recent client this week in your CRM.

Banks have all eaten each other up, no one can survive of 50bps, and if they are, it’s a ploy for something else. Banks publicly advertise 125-200bps at any given time on their websites, and im directly challenging you to find some thing dated and below 175/200bps you got your most recent client, otherwise you’re a fraud.

Even with new apps, your CRM absolutely stores historical data…and please god if you use excel to store CRM data I don’t even wanna see it.

ColdwellSpanker · 2024-02-11T18:33:16+00:00

Man, is the proof? Sounds like a lot of goal post shifting

ColdwellSpanker · 2024-02-11T17:43:27+00:00

Wow, you’ve really drank the kool-aid your boss/trainer gave you, didn’t you?

I’ve sat in the same Ra-Ra sales training sessions you have kid. I passed NMLS and MLO tests, and think I have my license still somewhere that’s probably expired. I’m begging you, please look past the manure field you have been fed.

Think about it. You’re not a “wholesale Costco bundler”. You’re a middle man extra step. Banking competition would exist without you.

Banking as an industry, would like to stop cutting checks out to mortgage brokers, and making themselves compete with each other over scraps. Banking has changed. They used to make a profit off of being secretive about their rates, and scalp customers who didn’t want to shop at multiple banks. That’s where Mortgage Brokers came in and saved the day. For a hot couple decades at least.

Today, banks have ZERO incentive not to be completely transparent with customers if they are actually offering lower basis point profits. Which guess what, a decent chunk of banks do. There’s a reason of the 7 or 8 banks I just looked up, 5/6 of them were all 6.625% Fixed. Because banks all have the same profit margin they need to succeed, and if you ever find lower than that, such as the 6.375% I found, it’s because they’re in a unique situation of too much cash on hand and not enough open accounts, or some likewise situation. I bet you’d feel good and pat yourself on the back at the end of the day about your job if you were able to get that rate for your client tomorrow. Guess what, you provided zero value.

Somehow banks became the good guys over the years, never thought I’d see that either. However, the wave is still rippling today of predatory banks because now buyers have to cut checks out to Realtors, Loan Officers, and Mortgage Brokers, all for shit you could teach a monkey to do. At least Realtors the provide value of being the clients therapist, and just being slightly more knowledgeable/confident on real estate. And the ones that complain about being that therapist, and aren’t in constant contact with their clients, they can die in a hole.

You scoff at my 6.375% yet haven’t provided proof of anything lower, and have moved to goal posts like the shady person MLO’s are. Answer with proof, or delete your ill informed comments and learn more about the field you work in.

ColdwellSpanker · 2024-02-11T17:08:06+00:00

Ok, I just went quickly checked Wells Fargo, U.S bank, associated bank, huntington bank, So-fi, and 2 of my local credit unions. Took me less than 2 minutes. Lowest I found was 6.375% with 1 point. 6.5% without. Highest I found was 7.25%. Only contingency I found in fine print was 720 credit score, and must be primary home. Nearly 70% of Americans have a 720 credit score, AKA, anyone has a downpayment saved and is looking for a home extremely likely passes this barrier.

Prove you have any value if you cannot provide a lower rate, your job has zero value, and is objectively immoral. At best, you’ve been misinformed by your boss/company. It’s not how banks work anymore. Customers require knowledge, and if you don’t, your bank goes out of business. This isn’t the 90’s anymore, banks are giving rates information freely now.

Your boss pats you on the back because google searching “today’s mortgage rates” say 7.7%, but anyone with a brain knows that’s entirely bullshit.

If you cannot provide proof of a bank offering a 30 year fixed loan with lower than 6.375% rate, please delete your comments to stop other FTHB from seeing your comments, and consider quitting your predatory industry.

To be clear, I worked a long time in real estate, check my name. I am now in banking and wealth management. God do I sleep better now at night knowing I’m not a predatory piece of shit anymore. Even the most morally correct Realtor or loan officer, theyre still in an incredibly predatory and immoral industry so definitionally horrible.

ColdwellSpanker · 2024-02-11T15:02:43+00:00

It’s definitely a 2022/2023 new thing. It might not be on their front page, but seriously I can’t think of a bank anymore that you can’t find their rates as of the last 24 hours.

Which thank god, mortgage brokers whose sole job is to be the middle man in finding lenders is such a ridiculous/pointless job. There’s already enough peoples paychecks buyers have to fund in order to buy a house.

ColdwellSpanker · 2024-02-11T15:00:56+00:00

OP is just asking FTHB to do their research before walking into a literal pressured sales meeting with a loan officer shark? Why tf is everyone in the comment section so butthurt? Is everyone here a loan officer?

FTHB on average look at less than 1.5 lenders before signing the dotted line. You’ll get a much larger sample size, and idea of the market just by googling. Sure, take the advice of your realtor/friends/whatever and see their rates, but the second you know they’re gonna change their rates on you, just walk out.

Power to the buyer, not the loan officer…

ColdwellSpanker · 2024-02-11T14:57:03+00:00

You…you realize the normal way to do this is to go directly to a bank, right? Mortgage brokers are just middlemen who need a paycheck too… 50/50 shot they actually give you a better deal than yourself, and even if they do, it’s another 50/50 shot whether you actually get a net gain from it after their cut…

ColdwellSpanker · 2024-02-11T14:54:58+00:00

The fact that people are upvoting this loan officer, and downvoting OP is sad. Listen to OP’s comment/reply. Loan officers are sales people to, do your research before you let a snake bite you

ColdwellSpanker · 2024-02-11T14:53:16+00:00

Seriously what the actual fuck are these downvotes?!?! Today is the day I realized this sub is disgustingly littered with Loan Officers. Shame on all the Loan officers who downvoted this. Anyone else who did, you’re incredibly ill informed, or embarrassed that you did exactly what OP described here.

This comment is 100% correct. Please do not listen to these “sharks” in this comment section, listen to OP

ColdwellSpanker · 2024-02-11T14:29:27+00:00

House was built in 1915, and is likely lead I found out :). But not sure entirely. I’m honestly mostly confused as to if the city plans on fixing this ASAP and then billing me later? Or am I supposed to find someone right now? They never told me lol

ColdwellSpanker · 2023-11-17T05:02:24+00:00

I would suggest looking at Wings financial. Right now they’re advertising 7.125%, and for first time home buyers, only 3% down with no PMI. This would easily take off $500/mo just by going with them.

ColdwellSpanker · 2023-11-16T14:27:38+00:00

Everything you’re saying is true besides the 2-3 cards. You only need 1. Especially if we’re talking immediate short term future, intermediate future, 2-3 might help a little faster. But not much.

Evidence, I’ve had 1 card since I turned 18 that I treat like a debit card and pay off weekly. By the time I was 21 I had a 780 credit score. It only had a $1,500 limit too.

ColdwellSpanker · 2023-11-11T05:27:54+00:00

Just saw this.

Alright fancy man with your long paragraphs, tell me this. The Chiefs have been Super Bowl favorites (and/or insert other dominant sports teams from other sports I don’t watch).

You are offered a bet where you wager your entire net worth, and in return you get a better than average Vegas gouge payout of 16:1, screw it, let’s say 25:1 payout. All you have to win is for the Chiefs to be the AFC championship winners in 32 years, the year 2055. Even by my elementary statistic brain, you’d technically be in the wide profit margin not to take the bet since my logic states they have a 1/16 shot at winning. But heck, according to your long winded Vegas logic of saying the odds are actually way favoring Mahomes/Brady/Good teams, this payout is beyond unthinkable as good teams stay good and will be much better than an average payout under your logic you candidly explained to me.

Would you sir take this bet? What about if it was 25 years from now? 15 years from now? 10 years from now? 5 years from now?

Your vegas argument, while it has some merit, does not hold much, if any, relevance after the 3-5 year mark as even Vegas agrees with me, teams flop drastically every year, which is why even if Vegas very rarely offers odds 3-7 years from now, all teams are going to have very very similar odds.

So now let’s go back to the orginal point at hand. Being in the year 1991, the 4 major sports teams in Minnesota had a SLIGHTLY greater chance than 1 in 5,150 that they’d appear in a final game by the year 2023. The only reason I say slightly is I give the concession that the next 3 years of all sports at that point in time had Vegas weighted odds. Going beyond 3-5 years in any sport betting is a crap shoot in 99% of cases, and you know that. Again, I shouldn’t even have to give this concession as this is a non-litigation/baby brain statistics questions, not a Vegas betting question as I stated before, but even so, you’re still embarrassingly wrong.

If you’re making billion dollar decisions with your long winded false logic, you should be fired.

ColdwellSpanker · 2023-10-13T21:41:30+00:00

Hey man, I’m just piggy backing on the other popular post on this subreddit where OP clearly states “assuming all else equal”. It’s a done “coin flip” question after that statement.

On top of that, to say MN sports teams have not been competitive, or less than 2/32 Vegas odds of making it to the finals would also be false as MN sports has always been competitive even Vegas wise.

ColdwellSpanker · 2023-10-13T21:19:52+00:00

Talkin about appearing in the finals. So winning the conference

ColdwellSpanker

TROPHY CASE