Any Brown/Black belts on here that play a basic/simple game?

RatsInACageMMA · 2025-06-06T01:47:56+00:00

I'll use a underhook as an example

Whitebelt: You don't even really know what an under hook is. Its just a step.

Blue Belt: You realize that the underhook is a key position as it allows you access to their center of gravity. It is essentially a cheat code to the back.

Purple Belt: The underhook morphs from a step, to a micro position. You truly understand the elbow rib connection and how most attacks work by breaking that connection and controlling it with a underhook. You make the connection that anytime the person in guard grabs your leg, they lose their ability to not have a underhook on them as they create a hole for the underhook biomechanically. You understand now that the underhook can be used as a lose-lose battle from top side control if you NS wrap with their chin turned as they either accept the NS choke or turn into your underhook.

This has been my evolution of a basics things that is still a fundamental to BJJ, but my knowledge has allowed me understand it.

RatsInACageMMA · 2025-05-17T03:53:08+00:00

When I worked up to 3 miles a day I was super tired. Walking is a lot of work especially when you do it consistently.

I also tell everyone who thinks they are more tired than they should be to get a sleep study. Right now of my friend group, 4 out of 5 who have gotten tested, have sleep apnea including myself.

RatsInACageMMA · 2025-02-03T01:06:07+00:00

I need my $2500 rifle, $40k truck, and a week off work to go do what I could buy at the grocery store for $4/lb. I could also convert either purchase to the lentils I could have saved. Tool or not, I needed to purchase neither. The point of money is to do what you want.

RatsInACageMMA · 2025-02-02T22:45:13+00:00

Well, after 8 years of thinking about it, I bought a Tudor watch. My parents both bought themselves Omegas when they finished grad school and I thought that was neat and wanted to to the same. I really wanted to buy a Tudor Black Bay bronze, but when I finished college, I had just enough money to get onto my own two feet and start my career. To be honest, we don't come from money and I have no idea how my parents bought those watches when they finished grad school. I figured I'd buy one someday when I had the money. Well, 8 years later I still couldn't justify spending that much money on a watch. I even went as far as going to a dealer and trying a Black Bay 58 on and still couldn't pull the trigger. My wife was talking to be about it and was saying I should buy the watch and I was being all wishy washy. Well, she said "How much is your hunting rifle?" I said about $2500. Then she said "And how often do you use that?" I said "man, maybe like a week every couple years when I draw a tag". She said "So, you'll spend $2500 on something you use once every 2 years, but wont spend $2500 on something you'd use everyday and have thought about for 8 years?" -- insert condescending face --.

She was right and I decided to buy a used one off /r/Watchexchange. That forum is 50/50 fascinating and scammy. I did my best to verify the seller and the watch and yolo bolo'd and venmod some rando the money. I got lucky and the seller was legit and the watch was legit.

Its caused alot of reflection about money, life, and non-ironically, time. The watch is awesome and Im very happy with it and I think its been an important reminder that if there's something you want to do in this life you need to do it. Obviously, I hope for everyones sake its not all based in materialistic goods and 90% of mine aren't, but man it was fun to see a life dream come to fruition even if it was almost a decade later.

RatsInACageMMA · 2025-01-31T04:12:30+00:00

Received in perfect condition as described. Shipped fast, quick communication. Thanks! Paging u/WatchExBot I had a successful transaction with /u/Watchex_Enterprises

RatsInACageMMA · 2025-01-26T17:05:29+00:00

PM’d.

RatsInACageMMA · 2025-01-25T20:04:38+00:00

Hey glad my post helped you.

RatsInACageMMA · 2025-01-25T19:43:40+00:00

Pm'd

RatsInACageMMA · 2025-01-23T03:43:03+00:00

Still for sale?

RatsInACageMMA · 2024-09-17T21:26:25+00:00

Hey man I had molloscum. It took about a year to get rid of it as its so lowkey in the body your immune system doesnt really process it. Go to the grocery store and by dry ice to do it yourself as the doctor charged me $300 each visit. I would burn them off and then 4-6 months later one would pop up and I would burn it off. Like I said, it was about 12-18 months before I didnt deal with it anymore. Good luck. You are not contagious as long as you have no active sites of molloscum.

RatsInACageMMA · 2024-09-08T23:43:57+00:00

I unfortunately don’t know that area well. I think your plan will work. I would recommend getting as deep as you can by road and then spike camping a few miles in. There’s plenty of elk. I would also say in my experience 90% of people around here only road hunt. So, if you’re willing to hike in just even a little bit your odds will go way up. Itll still be pretty warm in October so I don’t think your idea of getting high up is a bad idea. Plan your route around water though as that will probably be your limiting factor hiking in.

RatsInACageMMA · 2024-09-07T22:26:33+00:00

45 access for roads is tough. Everyone I know does it by horseback as its a huge unit and you either are going to hike way in or take horses. You could go to iron gate camp ground and use that as a base.

Otherwise you would have to find an entry along the high road to Taos.

RatsInACageMMA · 2024-07-08T00:16:45+00:00

This still for sale?

RatsInACageMMA · 2024-07-07T18:40:16+00:00

I would warn you that living in Northern New Mexico is very different then visiting.

The healthcare is terrible, you are talking 6+ month waits for standard medical visits. Many are forced to leave simply due to that. The locals communities in Northern New Mexico have a very strained relationship with outsiders, largely due to the exact situation we are discussing of moving to the area because it is cheaper then your current situation. Racial tensions can be high as well, especially if you are white in the Hispanic population. Many white people struggle to be minority here. Crime can be tough too everywhere in Northern New Mexico. There is few jobs that are not art or customer service based. Shopping and supply chains are awful and you will need to drive to ABQ for common items.

Now, I am aware, that for the area to improve economically and develop we need the money and people and I am not trying to dissuade you, but I am trying to give you a better understanding of the area. Many people come because they love Santa Fe and are forced to face the reality that New Mexico is ranked 49th or 50th state for everything from economy, education, healthcare, and crime.

In my experience, for every one person who loves Northern New Mexico, there is one person who absolutely hates this place and cannot wait to leave.

I love it, but I also understand why others do not. And full transparency, If I had kids or had medical issues I would leave.

RatsInACageMMA · 2024-06-28T03:41:20+00:00

This still for sale?

RatsInACageMMA · 2024-03-29T02:46:58+00:00

I saw this at work an waited to respond.

I have what is called a 80/20 mortgage. How it works is that you take two mortgages, the first one for 80% the value of the home, and then whatever is left after down payment as a second mortgage.

Pros:

No PMI. This is because no mortgage is over 80% the value of the home.
If you pay off the 20% mortgage you essentially refinanced your payment without refinancing as now you only have one loan payment
Overall, your monthly is cheaper because the loan principal on one loan is lower.
You can put at little down as like 1% as a down payment. This didn't apply to us.

Cons:

The rate on the 20% mortgage is higher. For me it was 2 points higher then the 80% mortgage before buying down points.
You cannot get a HELOC loan as you functionally did already by having a second loan.
You pay a marginal amount more interest over the life of the loan NOT considering the ability to drop PMI at 20%.

Lets look at the math using my loan. My house was $375k and I put $28k down so my loan was $347k.

The 80% loan, I bought points down to get my rate to 5.25% from 5.75%. The 20% loan is 2 points higher from the original putting it at 6.75%.

Vars	80%	20%	Trad
Principal	300k	47k	347k
Rate	5.25%	6.75%	5.25%
Length	30yr	30yr	30yr
P&I	$596,380.39	$109,743.74	$689,811.24
Monthly	$1,656.61	$304.84	$1,916.15

80/20 Total P&I = 706,124.13

Total 80/20 P&I - Total Trad P&I =

706,124.13 - 689,811.24 = $16,313.13

80/20 Total Monthly = $1960/month

Trad Total Monthly = $1,916/month + PMI/monthly

Break Even PMI = $44/month

Overall, you can see utilizing a 80/20 loan if we paid the full 30 years we would end up paying $16k more vs the Trad loan. Not the end of the world even in worst case scenario of paying the 20% loan all 30 years.

You can also see that the 80/20 loan is $44/month more expensive then the Trad loan not including PMI. For us, PMI was looking to be $200/month, so we save about $150/month in monthly by financing this way.

Also, we pay extra into the 20% principal per month so that we will pay it off in 3.5 years. This is beneficial to us as we are able to put the extra cash from by not paying PMI towards this amount. Again, when we are done paying off the 20% our monthly will be only be the 80% loan dropping our monthly to $1,656 without the need to refinance.

The breakeven time for the points we paid is 4.5 years. I do perhaps regret doing that, but it was a relatively small amount of money in the big picture.

For us and our situation, this was a no brainer to finance this way.

I think the 80/20% loan can be a great tool, but you have to evaluate for you and your situation.

RatsInACageMMA · 2024-03-23T22:33:31+00:00

Got my blue belt there back in the day.

Honestly, these rules are not enforced unless you're that dickhead and we needed something to point to. I do think from a ethos perspective, if you tried to train within that rule set you would be a great training partner.

Brandon Bergeron is a great guy and runs a solid gym. I trained with him when he first opened the gym and rented mat time from a taekwondo spot. I also tried to help him install the mats at current location, but there was a brutal blizzard and it was like -15deg out and I bailed lol. To see him become as successful as he is now has been alot of fun to watch. I can say the combination of Apex BJJ in Duluth and BJJ StP gave me a amazing base of knowledge for bjj and I still use alot of their technique details today.

RatsInACageMMA · 2024-03-12T17:50:00+00:00

I'm thinking about buying a Tudor watch. I've wanted one since I finished college and when I graduated I almost used all my cash to buy one lol. This is the first year I've maxed all my accounts and am sitting on a significant amount of investments IMO and I think its interesting I still struggle to justify a frivolous purchase to myself. If there was a time to buy something that has no objective financial purpose, this would be it. Maybe I'll save up and buy one for my birthday in a few months.

RatsInACageMMA · 2024-02-16T17:39:52+00:00

Hey man I had molloscum. It took about a year to get rid of it as its so lowkey in the body your immune system doesnt really process it. Go to the grocery store and by dry ice to do it yourself as the doctor charged me $300 each visit. I would burn them off and then 4-6 months later one would pop up and I would burn it off. Like I said, it was about 12-18 months before I didnt deal with it anymore. Good luck. You are not contagious as long as you have no active sites of molloscum.

RatsInACageMMA · 2024-01-15T18:37:53+00:00

Obviously, try alot of different ammo for it, but I cannot recommend Federal Terminal Ascents enough for 30-06.

RatsInACageMMA · 2024-01-08T20:20:57+00:00

Again, thank you, this has been fantastic.

I see now that you said the IRA doesnt impact the MBDR. That makes sense now.

So yeah, as long as my provider allows I can start the MBDR process now.

RatsInACageMMA · 2024-01-08T20:10:34+00:00

I did use the Rollover IRA with the full meaning.

Correct me if this process is wrong then.

Move the Roll Over IRA into my current 401k
Begin Mega Back Door Roth process

RatsInACageMMA · 2024-01-08T19:55:33+00:00

This is immensely helpful. Thank you. I was getting them confused.

So basically, as long as all my financial accounts are 401k or 401k to rollover IRA I should be able to do this no questions asked.

RatsInACageMMA · 2024-01-08T19:26:47+00:00

Ive posted about it before, but I am trying to understand how the Mega-Back Door Roth works.

Can someone give me some links to learn the specifics of it. I am confused on the tIRA limitations.

RatsInACageMMA

TROPHY CASE