js2378's picture


MEMBER SINCE   February 14, 2013

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Comment 11 Sep 2019

I've read a lot of what other people have posted but not everything so sorry if someone already mentioned this.

A good way to think of paying back a loan is that making a loan payment is the equivalent of buying a bond with a fixed rate of return equal to the interest rate on the loan. In other words, if you pay $100 on a 6% loan, it's the financial equivalent of buying a $100 fixed bond with a 6% return on investment. 

Something to keep in mind then (and helps explain a lot of the advice people are giving re: paying off high interest loans first) is that there is an opportunity cost to paying down your loan. Instead of paying down the loan, you could have taken that money and invested it or placed it in a savings account. 

If the interest on the loan that you are paying down is higher than your return on investment on what else you could do with the money (invest or save), then pay down the loan. If not, then consider investing or saving since you could, in theory, use the return on investment to pay off the interest that is accruing on the loan that you're not paying off, with extra left over. 

Comment 31 Aug 2019
What a great play design on the TD to Rickert. He starts on the outside and cuts back under the other TE. If it's man, there's a natural rub. If it's zone, then two linebackers need to switch guys in the middle of the play, something linebackers probably aren't used to doing. You can see one guys switches but the other doesn't, so Rickert is wife open. This coach Day is alright.
Comment 31 Jul 2019

I mean, how is EJ Smith's situation any different than those thousands of kids who get into a school off of the waitlist? It may not be ideal but I can't imagine it's an automatic deal breaker. 

Comment 02 Jul 2019

So Gee's high school WR coach is as good as Brian Hartline and knows those NFL secrets to route running? Maybe we can hire the guy as a GA!

Comment 18 Jun 2019

I'm going for snarky instead of mean so apologies if offended... but QED is from math. 

"Q.E.D." (sometimes written "QED") is an abbreviation for the Latin phrase "quod erat demonstrandum" ("that which was to be demonstrated"), a notation which is often placed at the end of a mathematical proof to indicate its completion. 


Comment 15 May 2019

Wait, I'm confused. The 2 options show a large human wearing very different clothing. Wouldn't Joey at least know what he was wearing so he can help narrow it down, e.g., armor v. normal clothes?

Comment 29 Apr 2019

Agreed. Let the dead charge into you and have the dothraki flank from both sides after everyone is engaged. Also not sure how they were expecting to range the trebuchets in the initial charge into pure darkness. Jon has shown time and again that he's good in a 1 on 1 fight but he can't plan a battle at all.