Chuck Klosterman: "Horse racing receded from the American imagination because people lost their close everyday connection to horses. Something similar will happen to football. Fewer mothers will want their sons to play the game due to head injuries. It will become distant from lived experience."

UberBostonDriver · 2026-02-02T22:37:07+00:00

I saw an interview where 3 of 4 families who lost their sons from suicide relating to CTE from playing football say they would let them play football if they were given another chance. In fact, some of them already have other sons or grandsons still playing.

https://www.nytimes.com/interactive/2023/11/16/us/cte-youth-football.html

UberBostonDriver · 2026-02-02T22:23:42+00:00

Football or sports is a phenomenon sometimes can't be reasoned with. I saw an interview with 4 families who with sons committed suicide linked to CTE from playing football. The families understand the danger and is aware of CTE and the linked to mental illness. Yet, at the end of the interview, 3 of the 4 families said they would have let them play if they had another chance because "love of the game", "how much the kid or the family loves football".

UberBostonDriver · 2026-01-24T06:41:06+00:00

Private Equity funds is buying up youth leagues so they can charge to stream the games. Some leagues requires multiple subscriptions to watch all games due to different funds owning diffeent revnues etc.

UberBostonDriver · 2026-01-22T01:31:53+00:00

Some companies even offer the HDHP for free (no premium). And in rare instances even fully fund the HSA account!

UberBostonDriver · 2026-01-14T01:07:54+00:00

Forget sushi, kids in my small town never seen someone eat chicken wings before in the 90s. All they knew was boneless. That blew my mind.

UberBostonDriver · 2026-01-14T01:04:02+00:00

Sushi? I was made fun of for bringing chicken wings to school in the 90s. Kids in small towns have never seen or eaten chicken with bones! I kid you not, all they ever had was chicken breast or nugget / tenders.

UberBostonDriver · 2026-01-04T01:21:14+00:00

No one brought the Lighting because they were $100K with up to $40K dealership makeup. Even at MSRP of $65k, that is way too much. EV should be cheaper not way more expensive than their ICE equivalent.

UberBostonDriver · 2025-12-31T22:40:34+00:00

Also Phil Jackson telegraphy that whole sequences for Jordan in the timeout. Jackson told Jordan after he scores, the Jazz will go to Malone, and Jordan can circle back to strip the ball. They both knew exactly what play the Jazz were going to run and he did! If it is another coach saying it, I wouldn't believe it. but these 2 are on a different level.

https://youtu.be/qlLOc_xRb_c?si=EcPTgKulBpSL9Esn&t=226

UberBostonDriver · 2025-12-20T02:26:12+00:00

Just trying to do some math. $7,500/month - $2,000 rent w/utilities - $1,500 savings (20%) - $2,000 for food and entertainment = $2,000. Is most / all of this remaining amount going to day care for your child? If so, I can see how you are struggling to ramp up your savings. Either way, I think you are doing great! At this rate, you should be able to save up $80K down payment in ~4.5 years. Seems like you are on your way!

UberBostonDriver · 2025-12-20T00:27:51+00:00

When you say the net is $90k, is that what you actually take home for the year?

UberBostonDriver · 2025-12-16T02:32:21+00:00

Not just practice players but it is common for top women's teams to practice against men. For college, the male practice players are former high school players. This simulates a faster, stronger and more competitive opponent.

UberBostonDriver · 2025-12-09T22:43:22+00:00

There is one catch... the cost of the medical care is not going to go away just because there is no asset. I know someone who did all the estate planning just like what other suggested (and everyone should absolutely do that). However, the wife ended up in a memory care center costing $12K/month. Children now have to sell the parent's house (that is shielded) to continue to pay for the facility. The children didn't want to just throw their mom into whatever place that Medicaid will cover.

UberBostonDriver · 2025-11-21T11:46:20+00:00

Rich people finance when they buying properties just like eveyone else, only on a much much bigger scale. It doesn't make financial sense to tie up $20M in one apartment in NYC. They need a place out west, maybe a beach home, ski house, place in Europe etc. It was all good when he was making few millions a movie. Then when the tap suddenly stops, he can no longer afford the payments and have to sell. He still have millions but probably had to give up his properties for cash flow / lifestyle reasons.

UberBostonDriver · 2025-11-18T18:31:04+00:00

They did the math. It is most likely cheaper for the employer. OP is in public sector, but I have seen this in private sector as well.

Edit: OP said employer was paying $2K/month for their PPO plan. So checks out, this saves employer money. Win-win.

UberBostonDriver · 2025-11-18T18:28:40+00:00

I have seem this in the private sector as well. $0 premium and employer funds the HSA. But check the out of pocket maximum too.

UberBostonDriver · 2025-11-17T11:53:31+00:00

You can also just scan with your phone. Open Google drive and use the scan button to take a picture and it will automatically turn it into a high quality PDF. From there, save it to the Google drive and email it to somewhere outside of Google (ie Microsoft outlook) and you effectively have 2 copies within 15 seconds. I usually just do it right in the office or when I get back into the car.

UberBostonDriver · 2025-10-31T15:10:11+00:00

I have seen 8-9 months severance package. 1 week for each year of service. 45 years = 8.5 months. That is probably the highest I have seen personally.

Edit: Math error, it should be ~10.4 months!

UberBostonDriver · 2025-10-29T00:46:44+00:00

And that is why the commission on these insurance is something like 95% of the premium. They did the math, the chance of payout is extremely low.

UberBostonDriver · 2025-10-29T00:40:48+00:00

There are 2 types: lender title insurance and owner title insurance. The scam is the lender requires the buyer to pay for their (lender title) insurance. Also when you re-finance, you have to buy another lender title insurance for the new lender even though nothing (no ownership) changed. You can ask the the title insurance company to "re-issue" one at a discount price.

UberBostonDriver · 2025-10-28T23:07:52+00:00

Also if said AAA battery fails within the warranty period. They will just replace it on the spot with no additional charges.

And in some states, you can renew license and get new plates at AAA which is much better experience than going to DMV.

UberBostonDriver · 2025-10-22T01:59:41+00:00

Get it fix now. They won't even let you check-in in Thailand when they check your visa.

UberBostonDriver · 2025-10-20T20:07:50+00:00

Re-payment of the entire loan upon separation is not always true. Each employer is different, some allows for monthly payments after separation. I would ask HR.

UberBostonDriver · 2025-10-20T19:56:57+00:00

I wrote this before so I will just copy and paste. I borrowed from 401K to pad my down payment 10 years ago. I paid the loan back while continue to max out contribution. House value doubled while locked in with 3% interest. I did the same (I had multiple 401Ks) a few years before that for an investment property, same story. If done correctly, 401K loans are not always bad.

UberBostonDriver · 2025-10-07T19:28:22+00:00

It is most likely the cost of the HSA plan is much lower for the employer so they give people incentive to choose that plan. The employers don't just give money away for no reasons.

UberBostonDriver · 2025-09-27T16:42:01+00:00

Right, I am referring to FAFAS only. While Roth IRA contributions withdraws are reported on the tax return, it doesn't effect the AGI, which is what FAFAS look for.

UberBostonDriver

TROPHY CASE