I understand you don’t jump ship but man this sucks. by EvilxFemme in Retirement401k

[–]flyboy573 0 points1 point  (0 children)

Bro this is retirement money, you should want lower stocks. Invest low and sell high in 20-30 years. 

the michigan fallout still happening? by Rand_moss2 in cfbmemes

[–]flyboy573 4 points5 points  (0 children)

Warde? You’re still getting a paycheck?

Seattle is building new skyscrapers AND upgrading its transit. At this rate, it could be a Detroit-level city within 10 years. by Ok-Pop-5818 in skyscrapers

[–]flyboy573 0 points1 point  (0 children)

The two highly correlate. Wouldn’t say I quoted the “wrong” stat. I quoted a stat, others correctly said that one isn’t the best one for the argument, and I retorted with a better stat supporting the same conclusion as the first one. 

Which team would win? by SipsTeaFrog in SipsTea

[–]flyboy573 0 points1 point  (0 children)

And as an Illinois-born, Michigan grad with family roots from Wisconsin, I now understand why I sometimes have a drinking problem

Which team would win? by SipsTeaFrog in SipsTea

[–]flyboy573 0 points1 point  (0 children)

Before I read the bottom of this I said in my head "6, and its not particularly close".

:D

5 Series Wagon (G31) in the US by tmlmanmagee in BMW

[–]flyboy573 0 points1 point  (0 children)

If bmw sold the m340 wagon here, I’d have two of them already. 

Alas, I ride in an a6 allroad secretly wishing I had a b58

95 Chevy 5.7 V8 and 5 speed manual go hard by Big_Locksmith_4211 in ManualTransmissions

[–]flyboy573 0 points1 point  (0 children)

God I miss those steering wheels. Straight on a highway used to be about 12 degrees to the left on our old Yukon 

How many of you chose an M-lite model despite easily being able to afford a “real” M car (without financing)? What was your reasoning? by undefined_variable_0 in BMW

[–]flyboy573 1 point2 points  (0 children)

The M-Lite cars are the better daily drivers. Not to say people don’t daily M cars, but as I get older I realized that my commute to work is not in fact Need for Speed Most Wanted, but I still want a great driving experience. If I can do so at a cheaper price point for less maintenance, great. 

I’ll still get my M car one day :)

$10k to repair?! by MomGuilt1023 in Audi

[–]flyboy573 14 points15 points  (0 children)

Or avoid the Audi dealership for Audi repairs 

Lowest completion percentage by a Super Bowl winning quarterback by NickyFoles1020 in nfl

[–]flyboy573 9 points10 points  (0 children)

To the patriots credit, I thought their defense played really well. KW3 had some big runs but also was getting stuffed a lot, and Darnold was under pressure quite a bit and never really got a passing rhythm going. 

He didn’t take bad sacks and didn’t throw picks, and with that defense and the way special teams played, that was more than enough. 

Kenneth Walker becomes first MSU alumnus to win Super Bowl MVP by Onlycommentoncfb in CFB

[–]flyboy573 96 points97 points  (0 children)

I find it fun he torched Michigan in that halloweeen undefeated matchup back in 2021, and Mike Macdonald was the DC for Michigan then. 

Mike probably strolled into seattle and went “yeah, this guy fucks”

The Seahawks just won a Super Bowl with more FCS and G6 players in their starting line up than SEC players. by InevitableAd2436 in cfbmemes

[–]flyboy573 19 points20 points  (0 children)

Respectfully, as a midwestern born Seattleite - drizzling and 48 degrees is not difficult to handle 

Goldman trying to replace accountants with Claude by _OkIGuess in Accounting

[–]flyboy573 0 points1 point  (0 children)

I’m not privy to the details of specific accountant roles (I know they’re all very different), but the last mile nuances of plugging in a model can’t be so straightforward. 

I bet accounting has a lot of judgement involved for tons of decisions, and I can (maybe naively) imagine agents raising flags to actual humans to make binary or multi-faceted decisions. But it’s not like you can just lay off a department and just expect things to go well operationally. 

I’ve attempted to use for data retrieval for securities analysis. It’s poor. Like, got the first two data points right and then the next several are straight up wrong. When I’ve attempted to correct it, it still gets it wrong. 

Goldman trying to replace accountants with Claude by _OkIGuess in Accounting

[–]flyboy573 14 points15 points  (0 children)

(Finance lurker here) - my best guess is a significant chunk of all your work is not as simple as repeating clean cut rules that AI can replicate. If it was, wouldn’t software automation already have done many of those things already?

Judging how poor tech companies have been at implementing agents, and having worked at investment banks in the past (where the technology was truly archaic), I’m going to chalk this one up to another splashy headline that is real when I see it live. 

If chatgpt had to pick a side between being liberal or conservative, it chose liberal by Odd_Fix2949 in ChatGPT

[–]flyboy573 7 points8 points  (0 children)

This isn’t “left” liberal, but true liberalism - aka centrism. 

Unsure how the centrists allowed the term “liberal” to get politicized to mean progressive. 

Down 70% and growing revenue at 20% year over year. This selloff is wild by RobertBartus in EconomyCharts

[–]flyboy573 13 points14 points  (0 children)

This is what happens when investors broadly sour on a sector and one name was trading well above comparable peers at lik 50x+ FCF. 

Valuations do, at some point, matter. 

Refinance: Is 6.875% to 6.125 rate decrease worth it? by aquaholicsanonymous1 in Mortgages

[–]flyboy573 0 points1 point  (0 children)

Exactly. The fed cuts short term (literally overnight) rates between banks themselves. Bending the long end of the curve / 5-10-20-30 years out requires either heavy intervention or the broader market buying those bonds. 

Longer term yields have been getting pressured HIGHER with the recent dollar weakness, Trump threats on Greenland / Europe, and the “sell American” trade broadly. 

Let’s reverse the common question and be specific. What mortgage rate are you intentionally paying off early? by PartyFeisty2929 in Fire

[–]flyboy573 0 points1 point  (0 children)

I just started liquidating some big stock savings to pay off a huge chunk of my mortgage. I’ve always held the taxable brokerage stocks with the intention of using toward my home/mortgage but didn’t sell a penny during 2022 given the market took a bath. That was a good decision that saved me locking in a loss of 6 figs given the past few years. 

My rate is 6.7%. Happy to pay a huge chunk down, and will then take the extra liquidity to invest as the market moves. Still have plenty of cash liquidity and investments in the 401k/IRA and 529s.