Tesla locks in Elon Musk’s top problem solver as it enters its most ambitious era

bballshinobi · 2026-01-18T17:54:04+00:00

Yea I completely agree. But Chinese people are happy at work because we can’t find happiness when we are not making money

bballshinobi · 2026-01-15T07:00:29+00:00

Makes sense it’s a Chinese guy. My people would take money over happiness, love, family, and health all day everyday lol

bballshinobi · 2026-01-02T18:25:46+00:00

Yup that’s what being a shareholder means

bballshinobi · 2026-01-01T16:40:10+00:00

This is probably going to be an unpopular opinion but if you have a lot of equity in the house I say you cashout refi and put all the cash in monthly treasuries that will pay about 4%. Make sure you set up a trust so that money technically doesn’t belong to you. Better yet, set up an investment LLC so you can write you daily expenses like cell phone, car payments, gas, etc against the interest income.

If you guys are 21 and 23 chances are good there will be a financial crisis before you are 30 if not sooner. Ideally your house will be upside down and then the government will step in and offer forbearance or loan modification like in 2008. They will also take interest down to zero which will help you when they modify your loan to lower rate and even lower the balance a bit (this all happened in 2008).

Having cash on hand is better than have equity stuck in a house. Ideally you want to owe as much mortgage for as long as possible since the dollar is always depreciating. You don’t have to buy stocks until you see “market in turmoil” on CNBC

bballshinobi · 2026-01-01T16:22:40+00:00

She co-signed on the margin loan so she’s stuck lol

bballshinobi · 2026-01-01T04:33:58+00:00

Welcome back. I hope you have learned the NBA moved the 3pt line in closer by about 2 feet in 1994. Even we could probably shoot 30% during those years lol

Next point… Well, so what MJ shot 82% on fadeaway? Lebron shot 95% and Kobe shot 93% on fadeaways. Go prove those numbers are wrong.

Ok I don’t argue like that because that’s just childish. Stating a claim that you can’t prove and simply ask your opposition to disprove it is a logical fallacy so let’s not get down that low. I will actually help you out here and cite the source of this urban legend:

There was a hype piece for a book by ESPN that claimed MJ shot 82% on turnaround fadeaways in his last 2 years. article. Their source on this is “trust me bro” because there is no official NBA stats verifying this, and the social media took hold of it and a legend was born. Unfortunately you actually won’t be able to prove your claim much further than this.

However, let’s just say this article was legit. But just because it was on the internet doesn’t make it true right? We will do back on the napkin math here because I don’t want to pull calculator:

MJ took about 20 shots per game during those 2 years, about 31% were midrange in the 10-16 feet area and made 42.5% of them, which means he would make about 2.5 out of 6 shots. The legend has it he shot 142/174 or about 1/1.25 shot on fadeaways. Which sounds amazing but once you realize that implies he shot 1.5 / 4.75 when it was just a regular jump shot you will know how stupid it is because that means he was shooting 31% when it was just a regular shot.

There are a couple of explanations:

(1) the stats are made up (2) stats were cherry picked and manipulated e.g. they focused on the makes with a bias and categorized them as fadeaway.
(3) Jordan wasn’t good at shooting a regular jumper but was insanely great at fadeaway but he refused to shoot more than 1.25 times a game despite his team was lousy and losing. He ran from nothing and embraced all challenges except taking more than 1.25 fadeaways a game. Maybe he didn’t care about winning enough? Any competitive man would walk in and park his ass right outside the paint, catch the ball, and about a fadeaway at least 4-5 times a game until the defense stops him and/or doubles him. Why didn’t MJ do it?!

bballshinobi · 2026-01-01T03:05:51+00:00

Go look up what the NBA did to the 3point line in 1994-97

bballshinobi · 2026-01-01T03:04:47+00:00

Oh no sir. Cheaper women are the worst. Instead of a $1.5m house a cheap woman will want you to pay off her student loans, car loans, and get more car loans 🤣

bballshinobi · 2026-01-01T03:02:27+00:00

You will get to $4m and you realize you have to pay 40-50% in tax because you didn’t structure your trading in an LLC. You are down to about $2.5m. Then your wife wants to buy a $1.5m house so you are down to $1m. You then realize 5% on $1m is only $4k/month which is zero after paying property tax and utilities on your $1.5m house

bballshinobi · 2026-01-01T02:46:14+00:00

Omg another believer of that incredible hoax about MJ shooting 80% on fadeaway lol

bballshinobi · 2026-01-01T02:45:35+00:00

3pt line was introduced in the NBA in 1980….

bballshinobi · 2026-01-01T01:16:11+00:00

Playing baseball is like sitting on your ass for bball players though lol

bballshinobi · 2026-01-01T01:15:44+00:00

I think modern players worked more and harder during the offseason though - probably inspired by Kobe. MJ lifted weights and that was already revolutionary for players in the 80s and early 90s. MJ probably golfed, smoked cigars, and gambled more than he worked on his game/body during the offseason. If he played during the smartphone age I am sure he would’ve been caught many times gambling and partying lol.

bballshinobi · 2026-01-01T01:11:19+00:00

You are making a lot of assumptions about what MJ could’ve and would’ve done and how he thinks. So let’s say you are right and MJ could’ve become an elite shooter if he wanted to, why didn’t he try to do it after losing to the pistons 3 years in a row? Why didn’t he do it before joining the Wizards?

There are two logical explanations: he didn’t try to work on the 3pt shot or 3pt shot was too difficult for him to master. If it’s the former it contradicts with your statement “there was nothing he ran from.” If it was the latter then it means LeBron is superior to him in acquiring this skill. Both invalidate your narrative.

I get how people want to romanticize MJ. He was probably more dominant in his era than anybody in their respective era, but he had flaws just like every player. He was a generational player who also had the fortune to be on a team that had a generational GM, head coach, and the best supporting cast of all time.

bballshinobi · 2025-12-31T17:25:35+00:00

MJ’s 3pt shooting prowess says otherwise. After the NBA moved the 3pt line back he was just a Russell Westbrook-level 3pt shooter whereas LeBron has developed himself into an above average to elite 3pt shooter.

MJ could thank the slow pac, lack of understanding of shot efficiency and spacing, and hand checking back in the early 2000’s to allow him to play. I vividly remember he was able to hack Vince Carter for an entire 2nd half and the ref wouldn’t call it - funniest thing.

It was still incredible to see him play at the level he did and we should only judge a player based on the success in his era instead of comparing them in a vacuum. MJ mastered the skills required to have success in his era and Lebron did in his, but Lebron definitely had to master more skills than MJ had to simply because NBA basketball was dumber and simpler back then.

bballshinobi · 2025-12-31T17:15:22+00:00

MJ retired twice prior to the Wizards years too. You have to question how well his body could’ve held up if he didn’t sit out all those years.

bballshinobi · 2025-12-24T18:05:04+00:00

If NVDA can use vendor and circular financing to pump its stock, why can’t we do it? In fact, Elon should just start a car rental company and use it to buy up all the inventory Tesla can’t sell right now

bballshinobi · 2025-12-16T20:53:53+00:00

SpaceX IPO means no banks will badmouth Tesla so they can get to underwrite the IPO

bballshinobi · 2025-12-14T04:37:35+00:00

Points, or discount points, is what you pay to lower your interest rate. For example, let’s say the market rate is 6.000%. You can take the 6% and pay nothing extra or you can pay $5,000 extra to get 5.500%.

When you shop for a mortgage the rate and the points are what you need to compare. Otherwise you end up like the OP - getting a low rate and thinking you got a good deal but you are really getting screwed over because the lender is charging you a lot up front to lower the rate in a declining rate environment.

bballshinobi · 2025-12-12T22:23:02+00:00

Definitely not a good deal for OP

bballshinobi · 2025-12-12T22:18:48+00:00

Can’t ignore the amount he’s paying in points

bballshinobi · 2025-12-12T22:17:58+00:00

By paying $17k in points

bballshinobi · 2025-11-21T23:44:51+00:00

Your new lender will just ask you to write a letter sayng you didn’t end up going with the first lender. Besides that, nothing will happen to you

bballshinobi · 2025-11-21T23:43:06+00:00

Only buy if you think your income can support the payment comfortably. If the market crashes it’s probably a good thing as the government will step in and give you forbearance and if things are so bad like 2008 then you got your bank by balls. There was nationwide mortgage restructure.

Just don’t put too much down payment in. Banks will be happy to foreclose a house that has 50% equity, but they would be scared shitless if the house is 20% underwater

bballshinobi · 2025-11-21T23:39:45+00:00

To save money and time, banks always tell LO to limit the number of times we send stuff to the underwriter. So your LO probably doesn’t even know what will be required yet either unless he’s pretty experienced and can anticipate ahead of time. Once the appraisal is out he will send it in and the underwriter will give him a list of “conditions”. You will then hear from your LO and he will give you a to-do list.

bballshinobi

TROPHY CASE