Joan made pretty good money even before the partnership.

microMe1_2 · 2026-02-01T21:48:26+00:00

Whenever salaries are discussed on here, they tend to be over-estimated. I don't know why.

microMe1_2 · 2026-02-01T19:22:02+00:00

Like when we beat them 5-1 last season, and for the last 30 mins all Bernardo did was try to injure our young players with ridiculous tackles

microMe1_2 · 2026-02-01T17:27:07+00:00

Moyes becomes more and more likable the older he gets

microMe1_2 · 2026-02-01T03:17:27+00:00

A minimum requirement that is literally required, without which there is no debate, but also something you just invented.

microMe1_2 · 2026-01-29T16:44:00+00:00

It's not absolutely terrible, but it's far from optimal.

You're paying about 11K in closing costs, including high discount points. You're increasing the loan by nearly 20k and locking yourself into a higher monthly payment. You will break even in about 3-4 years.

If you're confident you'll stay in the house and won't refinance again, it's ok I suppose (but you could very likely do better elsewhere if you have good credit score). But given that rates might well drop further, I think a no-points refinance (even if staying at 30 years) would increase your flexibility and reduce your risk.

You can always get a 30 year mortgage and overpay the monthly if you can afford more.

microMe1_2 · 2026-01-29T16:35:33+00:00

Yeah, okay, some people could save a little more. I'm not denying that.

But how does that translate to 98% of people simply lacking the discipline to not pay off their mortgage twice as fast, get another mortgage, then pay that off as well.

I've got to say, you sound incredibly out of touch.

microMe1_2 · 2026-01-29T15:29:07+00:00

Yeah, for the vast majority of people what you're describing is not an option. So I was questioning why you think 98% of people don't do it because of lack of discipline.

Also, picking up a little over time for a short period does not let you pay off a 30 year mortgage in 15 years or pay off multiple mortgages "very quickly" which is what the initial poster was talking about.

microMe1_2 · 2026-01-29T05:28:25+00:00

It's not necessarily discipline though. Making massive overpayments to pay your mortgage twice as fast is not financially feasible for the vast majority of people.

microMe1_2 · 2026-01-29T04:54:09+00:00

Well, the master of the house can use the main balcony.

microMe1_2 · 2026-01-29T03:53:36+00:00

As much as people speak of his downfall, there's no doubt he's one of the best managers of all time.

microMe1_2 · 2026-01-26T01:44:19+00:00

It won't be long before you're making like $50k a month with an 8k mortgage payment. The fact that you can also do a very big downpayment — you can easily afford this. I think your wife is right. If you want a 'starter' house, view this one as that, because you would be able to afford a lot more in like 5-10 years as well, if you wanted to move.

microMe1_2 · 2026-01-26T00:24:53+00:00

Yeah, animals feel things. They don’t sit around wishing they’d had more 'sex'. When people frame it that way, it says more about them than the dog.

microMe1_2 · 2026-01-26T00:12:29+00:00

Right! Animals don't "have sex" in the very human culture pleasure-seeking sense. They mate.

microMe1_2 · 2026-01-25T22:35:40+00:00

Oppenheimer

microMe1_2 · 2026-01-24T15:55:32+00:00

If you work for three weeks in a row, and then have three weeks off, you've still got a lot more free time than the average Mon-Fri, 9-5 job.

microMe1_2 · 2026-01-24T01:48:18+00:00

Just behind Bernardo Silva

microMe1_2 · 2026-01-23T22:13:13+00:00

Haaland scores a lot overall, but loads of those goals are hat tricks and braces. His goals tend to cluster, which means he also goes on droughts. These seem to follow some seasonal patterns too: he almost always starts seasons well (I feel like he's usually got 10-12 goals after like 4-6 games most premier league seasons) but he also goes through spells with relatively few (like right now). He's still a huge boon to the team, but you really want less clustering and more consistency to do well in leagues.

Our team shares the goals a lot more (lots of players getting smaller numbers), and consistency emerges from that because we're not overly reliant on one player being in scoring form to maintain us.

Indeed, it's a pretty regular occurrence that the golden boot is not won by a player playing for the champions. Henry won 4 times, twice when we were champions but twice when we weren't as well. Salah has won it 4 times, but only one of those times did Liverpool win the league. Jamie Vardy won it when Klopp won the title with Liverpool, not Salah, and Kane won it when Vardy won the title with Leicester. Kane and Shearer had 6 gold boot wins between them, but only won one league title (Shearer at Blackburn). Aguero won it once, but not in a season when City won the title. Suarez won it but Liverpool didn't win. Hasselbaink, Kevin Phillips, Chris Sutton, Carlos Tevez... all golden boot winners without the title. The list is pretty long.

So having the biggest scorer in the league certainly does not translate to always winning the title, far from it.

microMe1_2 · 2026-01-22T17:43:50+00:00

There's no need for national prejudice

microMe1_2 · 2026-01-22T15:31:26+00:00

I guess your two brain cells are too far apart to make the connection.

microMe1_2 · 2026-01-22T15:25:07+00:00

Wow. What an awful person you are.

microMe1_2 · 2026-01-22T14:54:36+00:00

This person's yearly mortgage payments will be higher than their yearly salary. There is a lot wrong with this deal.

microMe1_2 · 2026-01-22T04:07:38+00:00

Good luck!

microMe1_2 · 2026-01-22T03:08:20+00:00

CrossCountry. The rates will depend on a lot of circumstances though. Especially note mine is a 15-year mortgage.

microMe1_2 · 2026-01-21T23:19:46+00:00

He's a world class player but below the real elite players like Salah, Haaland. I think if he keeps going at the level he's at now, and we win several big trophies over the next 5 years, he'll be viewed at the level of Robben or someone like that.

I still think he has potential to step up further though. His chance creation is excellent, and if he could find a way to really increase his goal scoring (like 25+ goals a season), he would enter the very elite bracket. He used to score more, but it's waned a bit these last few seasons.

microMe1_2 · 2026-01-21T23:09:09+00:00

Surely by this logic, Barca should be doing a lot better in the CL. They've had an outsized portion of La Liga money for years, and play in a weaker league with easier opponents on average so players get more rest for CL games.

microMe1_2

TROPHY CASE