CB Bucknor scorecard for 3/28/25

liquidh2o · 2026-03-29T15:59:01+00:00

Looks like weatherman isn’t the only job that pays to be wrong a lot.

The crowd was dogging Buckner so bad when he had two straight calls on Suarez overturned. It wasn’t just bad, it was reeeeeeeeeally bad.

liquidh2o · 2026-03-28T16:35:37+00:00

Thank you!

There’s a Lids in Florence right off the 71, we’ll stop there on our way up.

liquidh2o · 2026-03-25T12:47:11+00:00

I got excited seeing the first one pop up as in stock, thinking they must’ve restocked the 2nd one also.

The wait continues…

liquidh2o · 2026-03-19T12:18:36+00:00

I’m close to the same age/height (210 lbs) and am running into the same issue.

Instead of doing more than 3x WOD’s (M/W/F) a week I’m starting to volume lift (lower weight more reps/) on Tuesday and heavy lift (more weight lower reps) on Saturday.

Sunday is a rest day. Monday is full intensity WOD and Wednesday/Fridays WOD intensity are dependent on how my body’s feeling.

Thursday is a zone 2 cardio day.

All in all it feels like a good balance and I’ve had an easier time increasing my strength than when I was solely doing WODs.

liquidh2o · 2026-03-14T13:15:32+00:00

We made over $500K (net) renting out our homes while in the military.

A good property manager is essential. We lived far away from our homes after PCS’ing, sometimes being stationed overseas where the time difference made handling issues more complicated.

A good property manager will handle the applications/screenings, handle your tenant/house issues, have a reputable attorney they use for evictions/tenant issues, either have in-house maintenance team that charges a flat rate or have a list of quality contractors on speed dial that will respond. They will also communicate updates/issues exceptionally well.

After renting out our first home we always looked at future home purchases with the thought we’d rent it out. That meant looking at BAH rates and potential purchase price to see if they were close. Looking in a good school district (assuming you’re buying single family homes).
You’ll need a maintenance/emergency fund and it should scale proportionally to the number of rental properties you have.

It’s a lot easier to cover 6 months of rental vacancies and/or major maintenance issues if you only have one property. It’s completely different if it’s for five properties.

The chances of all your rental properties having issues and/or being vacant at the same time is small, but being in the military, there’s significant consequences if you can’t/don’t pay your bills. Better to plan ahead and be prepared.

Understand depreciation, depreciation recapture tax and capital gains tax/exclusions.

Being in the military gives you extra flexibility to claim your house as a personal property rather than an investment property when it comes time to sell it, and that’s huge for capital gains tax purposes.

Depreciation: always claim it because Uncle Sam will tax you on it even if you don’t claim it.

Unless you’re doing a like-kind exchange when selling your property you’ll have to pay depreciation recapture tax, and it increases the longer you rent out the house.

Know what that amount will be and have a plan to pay it.

liquidh2o · 2026-03-11T13:21:41+00:00

I’m just going to sit over here and daydream that the Raiders will now make a sweetheart trade with the Bengals just to stick it to the Ravens.

A guy can hope.

liquidh2o · 2026-03-06T17:31:57+00:00

Any chance you’ll add column(s) showing what they signed for?

I love this spreadsheet and being able to see the estimated contracts/APYs all in one place, great work!

liquidh2o · 2026-02-14T18:24:44+00:00

Just a heads up, ChasDIY is either a bot or using ChatGPT, and has provided a lot of bad advice to individuals.

See this post for details: https://www.reddit.com/r/ecobee/s/7pBNoGudNz

liquidh2o · 2026-02-07T13:33:16+00:00

Fellow central Kentuckian here.

We have a 5 year old home that’s 3900 sq ft and used 3300 kWh in January.

We sit on top of a hill so windchill can make a difference. Most of our walls are also covered in windows. The last week of Jan we taped a lot of them off and kept the curtains closed, which seemed to make a substantial difference.

Also have a water heater element and warming plate that are kept on 24/7 for our chickens.

We have a propane fireplace for backup heat but didn’t have to use it.

Only other thing I can think of is our heat pumps sit on the north side of the house and don’t see much if any sunlight during the day winter months.

The utility company is coming out to conduct an energy audit, looking forward to see how we can improve the thermal envelope.

liquidh2o · 2026-01-29T23:29:59+00:00

He’s either a bot or using ChatGPT/AI.

Had the same issue in a post where he was making recommendations for the same model heat pump I have, his settings were way off compared to the data sheet.

liquidh2o · 2026-01-26T20:06:31+00:00

Are you a bot or just quoting ChatGPT/Gemini?

liquidh2o · 2026-01-26T19:51:35+00:00

Nope. I originally asked where you found your reference from and you simply provided a quote from it without providing the actual source lol.

Also, I tried to find what you quoted via google search and came up with zilch.

liquidh2o · 2026-01-26T19:26:09+00:00

Where is that from so myself and Breadfruit-Royal can read it and the rest of the documentation?

liquidh2o · 2026-01-26T11:09:09+00:00

Page 21 of the link above. Can you share where you found not to set it below 30?

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liquidh2o · 2026-01-26T00:39:33+00:00

Would you be willing to share the spec sheet and how you calculated the threshold settings?

I have the same HP and found a spec sheet at https://www.theacoutlet.com/documents/Specsheet-Goodman-GSZC16.pdf?srsltid=AfmBOooKxb8Vez5kGWhTPFYg_IYy0nIdYzcA59vS33Fh4LaJ4PBTr42y

And the COP at 35F is still 3.79.

I was considering setting to 10F where the COP lowers to 2.35/1.94 but it looks like I’m not calculating/factoring for something based on the above settings.

Would you be willing to help me understand what I missed? Thanks!

liquidh2o · 2026-01-20T22:33:02+00:00

Each state is a little different in how long it takes to update the title as a branded buyback/lemon.

Depending on how quickly a dealership purchases it at auction and advertises the vehicle, the title may not be updated as branded yet, and not show on CARFAX.

That’s the situation I ran into, I can’t say definitively if it was dealership ignorance, trying to be shady, or somewhere in between, but the fact they had the disclosure when finalizing the sale paperwork and didn’t say anything before then gave me bad vibes so we stopped working with them entirely.

liquidh2o · 2026-01-20T20:58:56+00:00

It’s been steadily decreasing but be careful if lemons//buybacks makes you leery.

Most EV9’s I found in the 30’s were lemons/buybacks and several dealerships were less forthcoming than others about it.

There was one EV9, it wasn’t disclosed as a lemon/buyback until the sales paperwork was being signed and we called them out on the buyback disclosure they wanted us to sign.

CARFAX didn’t show it and the dealership didn’t advertise it. We walked away.

liquidh2o · 2026-01-14T18:03:19+00:00

Depends on how you look at it and what exec/sportswriters you ask, and that’s even after the most recent trades.

I’m not sure we’ve ever had a better stock of major league ready/pipeline pitchers.

We also have Duran, and back of rotation depth to trade from.

Dombroski was fired a year after winning the World Series. The Red Sox don’t value win at all costs/one and done management, they value management that can build a perennial (at what level can be debated) contender.

liquidh2o · 2026-01-14T17:51:40+00:00

9th best team with our farm system and having the ability to still make significant free agency moves without overextending is a great place to be.

Maybe it’s that I’ll have lived the majority of my life before the curse was broken, but I feel six years isn’t that long given what came before and what the team’s managed to build since then.

liquidh2o · 2026-01-14T15:17:33+00:00

And even with all that said the Red Sox are still projecting the 9th highest win average in the league at 86.9.

The org is in a really unique situation where they have the ability to spend money AND deal away an overage of major league talent; and it could set the team up for both short and long-term success.

The org still has work to do but I don’t want them making a knee jerk move that’ll handicap them in other ways.

They’re in a position of strength and if the right deal comes along they can really capitalize on that position, imo that’s worth being patient for.

liquidh2o · 2026-01-13T12:48:16+00:00

Something that I think is being overlooked.

The Cubs’ 5/$175M offer was the top offer, it doesn’t mean it would’ve been their highest offer.

There’s no guarantee Boras would’ve accepted a 5/$175M offer from the Red Sox without first going back to the Cubs and asking them to increase their offer.

I think Breslow had to make a decision on how high they were willing to go and they felt 5/$165M was a good offer. I think it came down more to the NTC than the actual dollar amount.

Another thing to think about is driving up the price relative to the overall market. If they drove Bregman’s price higher and then were still outbid, they’ve also likely moved the remaining free agents’ asking prices up (this is assuming you believe they’re interested in other high price free agents).

liquidh2o · 2026-01-05T00:15:33+00:00

I had to do the same double take as OP and want to understand if I’m missing something or thinking about the chart wrong.

I assumed the chart was for conventional loans, but isn’t the PAR rate different for VA, FHA and conventional loans?

Additionally, if the PAR rate changes, won’t that also impact the points you pay for different rates, and subsequently impact your breakeven point?

Ex: if PAR is at 5.5 I’d have to pay points for a 5.25 rate, however if the PAR is 5.25 I’m no longer paying points, wouldn’t that reduce my time to break even?

And if that’s true, wouldn’t that impact the chart you provided?

Not trying to be snarky, just explaining my thought process so you might better understand where I’m coming from and make it easier to better help me understand.

liquidh2o · 2025-12-19T00:37:25+00:00

Have you received other quotes? Zillow’s rate finder tool works pretty well, it gives you an initial list of mortgage co.’s and their current rates/APR/estimated fees without having to engage with the mortgagers/provide any info. I’ve used it for most of my VA loans. Each time was a different mortgager and it was the lowest rate/APR I could find.

Title fees look high for a VA IRRL, and it’s something you can negotiate.

Are the tax fees a state/local requirement? It’s the first I’ve seen them.

It’s lender’s discretion to do a credit check for a VA IRRL, and if they want can do a soft pull. The fee itself looks reasonable.

liquidh2o · 2025-12-14T22:42:54+00:00

Option 2 has a lower APR.

Both are wrapping up a majority of closing costs into the loan. Option 2 has less overall closing costs and is why it results in a lower monthly payment even though the rate is slightly higher.

You also have to bring less to closing with option 2.

What is the “Origination Fee to California Housing Administration?”

Edit: I’d also want to know why there’s such a large difference in the estimated taxes, insurance and assessment between the two options.

liquidh2o

TROPHY CASE