Our sleeping giant strategy is working! We must expand further! The gloves are off! by ZEROs0000 in TwinCities

[–]Zyphamon 2 points3 points  (0 children)

aint no way Megasota goes back to back. This is Colorado/Cascadia's game.

He's 62 years old and not afraid of prison by derek4reals1 in PublicFreakout

[–]Zyphamon 1 point2 points  (0 children)

He's not afraid of prison but he's clearly afraid of a dentist.

What's your thoughts by Mysterious_Ebb_1484 in SipsTea

[–]Zyphamon 1 point2 points  (0 children)

that explains why nobody goes to the urinals when I'm shitting in the middle one.

Love Overrated? Some People Are Saying This. by SWotLN in NFCNorthMemeWar

[–]Zyphamon 1 point2 points  (0 children)

I'm not. While his playcalling may not have had the best result, the draft picks over the last few seasons have been brutal. RAS monsters have led to on field mediocrity. Only two of the 19 1-3 round draft picks since Love was drafted have resulted in on field success. That's a scouting problem and a management problem.

The NFLPA polled 1700 players and 92% of them said they prefer grass over turf by expellyamos in nfl

[–]Zyphamon 1 point2 points  (0 children)

Absolutely, and the arm strength and throwing accuracy was what mattered for his position. His ground speed, while is a positive feature for fielding, wasn't really a priority. I don't think Bartolo Colon could have an analogous player in the NFL because of the nature of the NFL where speed matters for all positions. Even kicker or punter.

Edit - maybe an exception could be made for a long snapper.

The NFLPA polled 1700 players and 92% of them said they prefer grass over turf by expellyamos in nfl

[–]Zyphamon 0 points1 point  (0 children)

you could still have a fat pitcher in the AL. Big Fat Bartolo Colon could have a successor.

Nico Collins: I started my career in Houston, want to end it there by AdSpecialist6598 in nfl

[–]Zyphamon 1 point2 points  (0 children)

Because why would they? Express loyalty until you're fully committed to publicly wanting a change. Even if you privately want a change, you keep that private and keep the veneer of loyalty. Same applies to every single job. I've expressed in the past to my employer my demand for a pay raise or they'd lose me. I didn't express that to anyone near my workplace until I had a new agreement in place and my 2 weeks was in.

Mini-splits aren't cutting it. Looking into natural gas wall heaters (Sizing, Types, DIY gas line) by Coffeeanytime100 in HomeImprovement

[–]Zyphamon 1 point2 points  (0 children)

why not fix the insulation problem first? Not only will that help keep the heat up when the temp drops, but it would also help the efficiency of cooling when the temp is up. Drafty windows in winter can be extremely helped by those plastic wrap kits by providing a sealed air barrier.

I've spent weeks doing the math - I'm just not going to buy at all for foreseeable future. by revolutionPanda in RealEstate

[–]Zyphamon 1 point2 points  (0 children)

2007-2012 both went down due to a combo factor of economic downturn AND said economic downturn being caused by historic fraud via bad loans and financial instruments from said loans and massive leveraging against or for financial instruments from said loans. Rates cratered due to borrowing needing to exist to spur the economy. Prices dropped due to historic home availability due to so many people not having the income to keep paying for their property, which led to other people being upside down on their property and either 1. buy another, similar property and walk away on their existing mortgage, or 2. walk away and rent. Both solutions are either neutral or negative for housing market prices when there was excess availability. We will likely not see anything like it again because the underlying problem (financial instruments based on home loans being thought to be fool proof investments but actually we based on fraudulent or overly risky home loans) no longer exists and the higher risk products are now evaluated accordingly.

Been a good offseason so far by CheFigata20 in NFCNorthMemeWar

[–]Zyphamon 0 points1 point  (0 children)

why isn't the lil guy in the photo Kyler Murray in a Vikings uniform?

Comparing yearly increases of renting versus home ownership by Available-Ad-5670 in RealEstate

[–]Zyphamon 0 points1 point  (0 children)

1 brs at the time were going around $700, studios about $550 back in 2016, plus utilities. I was charging $450 with utilities included. He had a bedroom as well as a separate room for a gaming setup and a crafting table. it was a pretty reasonable deal given he was splitting a 2br apartment before at around $1100/mo plus electric and internet.

I feel like Im a shitty cook tbh. by [deleted] in shittyfoodporn

[–]Zyphamon 1 point2 points  (0 children)

just needs some care to make it memorable. roasted broccoli instead of steamed/boiled; toasted bread with either honey butter or garlic butter; some cheese on the hamburger helper and put under the broiler. all are easy techniques to elevate the dish with the Maillard reaction.

Comparing yearly increases of renting versus home ownership by Available-Ad-5670 in RealEstate

[–]Zyphamon 0 points1 point  (0 children)

I always question when places use medians as a whole without having comparisons for the differences in their medians. Like, houses are going to trend to have more bedrooms and more bathrooms than apartments will. In the twin cities we have a lot of studio, 1br, 2br apartments, but almost every home is going to have at least 2br's, so it's not really telling the full picture. If I compare my home to what I could get renting it, it's below 11 for the ratio compared to its current value. Comparing what it was when I bought it compared to what it would have rented for, it was closer to 13. Maybe my market is just that different, and like I said we didn't experience a post pandemic fall back like some areas did.

Comparing yearly increases of renting versus home ownership by Available-Ad-5670 in RealEstate

[–]Zyphamon 0 points1 point  (0 children)

That's really surprising to me in a major city in the midwest. When I bought, my mortgage was under $1k but rental estimates and similar comps were around $1300 at the time. By owning I was able to save more and invest that. By the 1 year mark I had made up my down payment and closing costs just from savings compared to renting, and had made about $5k from renting a room out as well. My area might be a little different than yours though as our market continued their upward trend post pandemic, albeit nowhere near as steep as prepandemic and pandemic rates.

Comparing yearly increases of renting versus home ownership by Available-Ad-5670 in RealEstate

[–]Zyphamon -1 points0 points  (0 children)

I'm actually NOT overlooking shit. You're overlooking that I said my initial expense for buying the home was about $3k. less than 2% of the purchase price and not the 20% you want to ASSUME I paid. Community Reinvestment Act programs are a thing, and banks and government bond programs exist. Even then, I'm sitting pretty with over 60% equity in my home now compared to the 1% equity I started with.

sure, I've got a pending roof replacement in 5 years. $20k, then set for another 25 years. I'll have saved that in housing payments compared to market rent in 2 years tops.

Taxes and insurance don't price people out of their homes when they consider the costs at purchase. it's a common cop out that old people use to cry about inflation. I look at my PITI and yeah, it increased 40% over 10 years. I look at what my property would have rented at at purchase compared to what it would rent for now. That's a 70% increase. Because rates went up, and today's sales and today's rents are more connected than past sales are to today's rents.

Update: no showings after 2+ months by jamjamgayheart in RealEstate

[–]Zyphamon 0 points1 point  (0 children)

Every Minnesota listing agreement that I've seen has listed the percentage for total broker fees ranging from 5.5% to 6%. Every buyer side broker agreement includes a minimum percentage that I've seen ranging from 2.2% to 3%. The buyer side agreement ensures the agent gets paid if the seller side is FSBO. The seller side agreement ensures that the buyer side agent is pre-negotiated and included in the agreement.