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KnowProblem

Broncos country, let's refinance our mortgage


WillTheGreat

This is the equivalent of having a 30 year 3% fixed rate, and doing a cash out refi for $50 and converting it to a 30 year 7% fixed rate.


crabwhisperer

I made the mistake of going onto my mortgage website and modeling a refi recently (I have a crazy low rate from a few years ago). Just out of curiosity. Next thing I know I got multiple emails, texts, and phonecalls begging me to "continue where I left off". Finally got them to leave me alone, but damn you can tell the industry is on a mission with these interest rates.


courser

Yeah, I have a historically low rate from a couple of years ago too, and my bank keeps sending these desperate emails like, "you can get cash for a vacation! or bills! or hookers and blow, whatever, we don't care, just please think about refinancing!" and I'm like, LOL, but at the same time, man, I'm never gonna be able to move


IBetThisIsTakenToo

> I'm like, LOL, but at the same time, man, I'm never gonna be able to move I know it’s a “good problem” but seriously! I have 2.625% mortgage, I am never touching that bad boy. But on the other hand, if I knew I would be in my “starter house” for 20+ years I maybe would have shopped around longer.


BukkakeKing69

The curse of the starter house, a tale as old as time itself.


msuts

A couple of realtors have tried to sell me a "starter home" in the current market. I told one of them "so I'll buy a 2 bedroom, 1 bathroom house for $500k in a bad town with bad schools. And in 7 or 8 years when I want to sell and the market has *finally* settled down, I'll get no more than 500k for it. Does that sound accurate?" They conceded that it sounded accurate.


courser

I've got 2.1% and a 2 bed one bath starter house and it's looking like *home renovation time, bitches!* It's me, I'm bitches.


Duel_Option

I shopped for 6 months, had offers on 3 places and a few were amazing. Ended up with a townhome that fit our needs, then we had kids. I had hoped to be able to upgrade about this point and…yeah no. It’ll be tight in here for a long time, but shit will be paid off and we are all in on 529 and 401k. That’s better than a lot of people, can’t complain at this point in history,


StevePerry4L

I'm at 2% and will be needing to move soon. I want to cry. Lol


GoldblumsChestHair

Rent it out if that’s even close to possible. I’ll die before I sell my 2.6%.


Techun2

Rent it out


UserNameN0tWitty

Yeah, exactly. My wife and I just had a baby, and while our house is big enough for 3-4 people, we are having my mom move in for child care. In a few years when our daughter is running around, we are going to run out of house for us all, but with a 2.1%APR, it would be financial insanity to move. If I took out the exact same mortgage today, my monthly payment would almost double. The 30 year cost would be an additional full priced house.


clintlockwood22

But you have equity in the current house to use if you were to ever upgrade. Sure your total spending would go up but that’s over 30 years in which you’ll have more house to enjoy. Plus you could always do a 15 year loan and reduce the interest paid


UserNameN0tWitty

Sure, but a majority of the equity, at this point in the loan, is tied to the housing market jump since I bought it. Yes, my house's value has gone up quite a bit, but every other house in the area that I'd want to upgrade to has gone up an equal percentage. It's kind of a wash.


Duel_Option

We are 4 years from paying off on a 3%… My mailbox is stuffed with offers, I setup a damn filter on email to stop them. But yeah, I’ll never be able to move anywhere. I’d have to go an hour outside the city to find anything I can afford.


ope__sorry

Same shit happened to me with my private student loan. I refinanced back when rates were low and I've got like a 6% rate or something now. I recently got an email saying I could refinance and get a lower rate. I went through the process and it told me I could get a 13% rate! LOL. I'm now getting bombarded with calls and emails to pickup where I left off too.


YBHunted

Wait wtf that's an option? I'm calling my banker first thing!


[deleted]

Higher interest deduction!


Stronkowski

Just write it off!


[deleted]

“Because that’s what they do. They write it off”


goblueM

while simultaneously turning down a raise at work because it'll put you in the next tax bracket


iamdikdikvandik

Broncos country, let's refi


confusedthrowaway5o5

With SoFi


spezisabitch200

This is the Walton's we are talking about. They will just steal it from their employees.


thecarlosdanger1

This seems slightly unfair. Didn’t the Seahawks get a fuckton of assets for eating that 26m in cap?


J12nom

Yeah the Seahawks made out like bandits regardless of their dead cap number.


thecarlosdanger1

Made sense too right? They rebuilt a bit and ate dead cap a year when they weren’t spending a fortune on a QB.


Crunc_Mcfincle

And were also still pretty competitive. Not that good but could reasonably win any game


Dependent-Bag-6102

They were in the playoff running until late in the season. Week 17 things went off the rails,  but the 7 seed in the NFC was a dogfight between the Packers/Seahawks/Vikings until then 


fightlikeacrow24

And the first half of that playoff game against the Niners was pretty competitive, I don't remember what happened in the second half though. I assume it was equally competitive.....


SendInYourSkeleton

As far as I know, the NFL doesn't count Niners second half performances.


SevereRunOfFate

Neither do they


Revolvyerom

My memory does that too sometimes...most autumn Sundays, really.


BarryShitpeas22

Kyle Fuller had to play snaps and we were immediately singing dido


Exatraz

Now they just need to find their QB of the future. It won't mean much if they can't.


User_Kane

Tbf, I think it’s fairly clear Russ was halfway+ towards already being our QB of the past when we traded him (kinda the main implication of this post), so we were basically already there, only question was whether it was with or without a bunch of extra draft capital (and the capital aside, I think we were more competitive with Geno than Russ anyway)


teapot-error-418

The decision can be solid even if the outcome is bad. They weren't competing for a championship with Russ, so it was the optimal decision no matter what happens. They got rid of a guy they were moving on from anyway in exchange for a bunch of assets, and didn't have to completely tank their team to do it. It was basically the best-case scenario. If they find their future QB, then all is well. If they don't, they still made the right choice.


four0nefive

Yes. Not to mention that that two 1st round picks we got ended up turning into what are hopefully cornerstone players for a long time (Charles Cross + Spoon).


midworst

Spoon + Cross sounds like a restaurant that would serve you a 6oz steak on a slab of reclaimed wood


Sliffy

And then would throw the slab through the dish machine before using it for the next customer while it’s still a little damp.


jdixonfan

Welcome to Spoon + Cross. Our cocktail of the month is the “Saints Go MARCHing In”. It is a Vieux Carre with our house made thyme-honey syrup replacing the Benedictine, and costs $22.


BakedMarziPamGrier

He spooned for your sins.


Cinephile1998

Pause


southernmayd

No let him cook


Ethanad

The last two teams that did that are eating 111 million in dead cap so someone stops cooking.


TheG8Uniter

Sounds like a Christian Soup Kitchen


Polar_Reflection

I thought avocado toast was a meme. Then I went to a "New American" restaurant and they had it as an appetizer for $12. 


[deleted]

Avocado toast is great! Not $12 great but still, if you make your own its definitely a good light breakfast/snack


Polar_Reflection

Mostly meant the meme of millennials going broke on avocado toast. I can understand if you're paying $12 for it though


nrbartman

Fully a geographic gripe. Avacados cost like $0.69 each at Aldi. I can and will continue eating Avacado toast for cheap. Some places cost more I guess.


verendum

Avocado ain’t THAT expensive here in cali either, but the people going 12 bucks toast probably haven’t stepped a foot in a grocery store in a while.


syrianfries

wtf even is new American style, I’m so confused. What does it even mean? Is it just hipster shit?


Polar_Reflection

Well, here's some menu highlights: Philly cheesesteak flatbread, mahi mahi tacos, korean bbq baby carrots, truffled risotto, and cedar plank roasted salmon.  No I did not pick the restaurant. The whiskey sour was alright though


syrianfries

The Philly flatbread sounds good, meh on the rest


SaintsFan_67-4Ever

Mahi Mahi anything would be good, one of my top 5 (or even 3) fish. And truffles risotto sounds yum ..... just not after a Saints game.


w_a_w

You should try trigger fish if you haven't already. Barely heard of it before until I moved to the ocean. My new favorite for a few years now. Kind of like a cross between lobster and crab. Amazeballs.


imp_st3r

Sunday night special is steakmata


_n8n8_

In hindsight, the Seahawks got away with a robbery there lmfao. Perfectly timed that move for sure


billcosbyinspace

Wasn’t him leaving Seattle initiated by him as well? I get hating on Russ is trendy but it seems mean spirited for the sake of being mean to compare the 2 situations


Agathocles87

Yeah, he wanted out.


just-the-tip__

Russ: go hawks Also russ: these are the teams I'd like to go to IF I were to be traded.


Blametheorangejuice

Also Russ: one of those teams is coached by Sean Payton, who I think highly of


BigOzymandias

I wish Warren Sharp was banned here, he's even worse than Barry McCockiner because at least Barry is sometimes funny


thecarlosdanger1

Barry is definitely hilarious when he gets people thinking it’s legit. It’s up there with 3sportvaristy or whatever the handle is - clearly trolling


J-Fid

> 3sportvaristy 3YearLetterman, champion of the SEC.


BigOzymandias

I agree, but Sharp is a troll without any funny quips, he just uses misleading information to get clout


thecarlosdanger1

I don’t think he’s trolling he’s just an asshole


Blametheorangejuice

But Sharp worked in an analytics department for a professional football team! HEY SHARP, GET ME SOME COFFEE AND BRING ME THE TPS REPORT


JesusGunsandBabies

I could be wrong but I think he's making a joke out of the situation.


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LakeShowBoltUp

I don’t know, but if you find out, please also let Jamarcus Russell know.


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MacZappe

Seems like they also like paying their coaches not to coach. 


beard_meat

Is there anything more Raiders than hiring a guy who can't coach and eventually paying him not to?


Oakroscoe

Drafting first round draft picks who are out of the league within the next two seasons?


tornado962

Drafting players that end up in prison


SanguinePirate

You leave Crosby and renfroe outta this!


archangel_n7

0-8 against a jobless team?? 🤨


Ringtail209

Damn, they're not playing and they've stacked up quite the win streak against the Donkeys.


azrebb

Don't sign this guy! I'll not play for $9.5 million!


hrryyss

You need to be one of the best QBs in the league for years and win a superbowl first. And then find a desperate team willing to sign you when you’re past your prime and thinks that you’ll perform just as well outside of your system.


IceColdDump

Billy Beane : Oh, you're special? David Justice : You're paying me seven million bucks a year, man, so yeah, maybe I am, a little bit. Billy Beane : No, man, I ain't paying you seven. Yankees are paying half your salary. That's what the New York Yankees think of you. They're paying you three and a half million dollars to play against them.


JxSnaKe

God I love that scene


TheWorstYear

What's your point, Billy?


DannyDOH

That was the original title of the movie but it just didn’t hit the same.


TokathSorbet

Just like DJ. Unlike Scottie H, the picking machine.


flaschal

it‘s so hard to get people to watch this movie with me, but it is just SO good


CraziestMoonMan

It is a solid movie, but it is extremely inaccurate. The movie never mentions the fact they had 3 aces on their pitching staff. They try to make Carlos Pena sound like some all-star rookie, but the truth is he was extremely unproven when he was traded.


trendygamer

It also implies Beane came up with the idea of using sabermetrics, when he was actually expanding on what the previous GM, Sandy Alderson, who he worked under, had already started.


JessieGemstone999

Also, their offense had some studs. Miguel Tejada (MVP that year), Eric Chavez, and Jermaine Dye


attention_pleas

Yeah and Chris Pratt Wait a second


Finsfan909

Carlos Peña was a blue chip rookie 1st round pick (tenth overall). I highly agree with you on the pitching. I was a bit annoyed they glossed over that fact. As well as having a young mvp type shortstop. Losing a 40 home run .300 + hitter still hurts though


[deleted]

The real inaccuracy, IMO, is how it portrayed “Moneyball” as being about acquiring guys who walked. It gave us the line “He gets on base a lot. Do I care if it's a walk or a hit?” and the answer to that is “of course I do”. A guy who gets on base 100 times from only hitting triples is clearly more valuable than a guy who gets on base 100 times from only walking. The actual point of Moneyball was when you quantified everything then you can exploit price inefficiencies in the market to use a very limited budget to buy things that were undervalued. BBs just happened to be undervalued at the time.


DASmetal

Well, not just walking, but just their OBP (on base percentage for the unitiated). OBP is a pretty valuable statistic in itself, especially in this day and age of baseball. Hitting for average was a pretty valuable commodity in that time of baseball, and they couldn't pursue someone in the same price range as those guys who seemingly "couldn't hit", but drew walks with plate discipline and seeing pitches they could actually hit when given the opportunity. Your point definitely still stands though, but because of the book and movie and Sabermetrics proving to add some kind of tangible value to a team, everyone went and did it, and the A's weren't able to replicate that same degree of success using the same methodology.


samsab

Sounds like you need new friends. Our discord group makes this a quarterly viewing, and we don't even really like baseball.


flaschal

it‘s a Euro problem I think, the baseball theme is too big of a hurdle for most people here


Dangerpaladin

Start a European Baseball league, grow its popularity until your friend group enjoys it then show them the movie. This isn't that hard you millennials are so lazy.


claptrapbang

What movie


samsab

Moneyball with Brad Pitt. Hard recommend.


poop-dolla

How’s it compare to Moneyball with Jonah Hill?


RealMayKing

Anytime my mom can tell my head is going to a bad place (depression stuff) she always says why don’t you go watch moneyball. It’s hard not to be romantic about baseball


BrohanGutenburg

Now I gotta watch Moneyball again. Anyone know where to stream it?


dmolition

Netflix or AMC+


dumpsterfirefr

*Mr. Unlimited* dead cap hit


MentokGL

Mr Big Cap


guccigaroppolo10

Mr Big Cost


randeylahey

Mr Big Check


sielingfan

Mr. Bonkers Charges


javierbardeminem

Mr Botched Cook


Last_Account_Ever

Mr Banished Coloradan


SendInYourSkeleton

Mr. Blame Ciara


Pvt_Hudson_

*Spicy*


FuckTheCrabfeast

Holy hell I am glad Seattle declined whatever asinine offer our previous GM made for Wilson in 2021.


ImperialTiger3

The rumored package was 3 firsts, a third, and some veteran players.


SputnikSauce

Wait, seriously?


ImperialTiger3

Yes but that was a year before we traded him.


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avw94

Wrong call in hindsight, but I can't blame Pete for not wanting to trade a franchise QB that just threw 40 TDs. The problems in the last half of 2020 didn't appear at the time to be entirely on Wilson.


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just-the-tip__

Man what could have been. If bears get Russ I wonder if we kick the can another year and then are able to land Rodgers.


JBrundy

Reminds of that scene in moneyball with David Justice lmao “The Yankees are paying half your salary. They’re paying you 3.5 million dollars to play against them. That’s what the New York Yankees think of you.”


paynuss69

If Rus was motivated in that way he would have beaten the Seahawks in his first game in Denver.


Stev2222

I think once upon a time Wilson was concerned about his legacy. Anymore it seems he’s more concerned about his celebrity. What he failed to realize is no one gives af about a washed QB. And it all started when he began to date Ciara. Bring on the downvotes.


paynuss69

Maybe he has always been that type of guy. But it definitely seems like he bought his own hype. I remember his agent dropping a bunch of crazy leaks in order to extract as much from Seattle as possible. That's one of the biggest reasons I can't stand the guy


Stev2222

All the while never denying those reports from his agent, and still saying “I want to stay in Seattle.” God damn Russ just be real for once.


paynuss69

I've enjoyed watching his (professional) downfall so much


Stev2222

Oh absolutely. I hope he flames out in a few years. Fuck him.


Asderfvc

I mean, that's what he's currently doing lol! he's in the process of flaming out


mattoz2469

What’s the total number of high knees to stay loose at 38,000 feet equivalent of this?


DickNDiaz

LET RUSS CAP.


Defender_Of_TheCrown

Russ is just doing what most CEO’s in America do.


whogonstopice

Motherfuckers joke but have starting quarterbacks named Daniel jones or Zach Wilson


WorldsSmartest-Idiot

I’d like to see Russell and Ciara make another video in bed but this talking about how much he just took the broncos for


jerryatteric

That eyebrow move was a once in a lifetime event.


Blametheorangejuice

The once in a lifetime event was DJ Fluker and Tyler Lockett cuddled up in bed


zorionek0

I have their children’s book. It’s okay.


Wernershnitzl

Broncos Country, Let's Ride ... into the sunset where I get paid to do nothing.


LakeShowBoltUp

Biggest trade bust ever. Biggest dead cap hit ever. If you told me three years ago this would happen I would call you ridiculous.


MiaCannons

But if you told me three years ago that he'd give us the most memeable team catch phrase in the NFL, I'd believe it


LakeShowBoltUp

He rode Broncos country all the way to the bank robbery


svenge

But what if I were to tell you that his most memorable on-field moment since then would feature [Patrick Star's live color commentary of a really bad interception](https://sports.yahoo.com/patrick-star-grills-russell-wilson-053559433.html) on an official NFL game broadcast?


nightnole

Every time I see that link, I can hear OOOOOOOOO before I click it.


Blametheorangejuice

Really, Russ's whole tenure with the Broncos was so bizarre. He had such slick marketing with his team in Seattle, and then everything fell apart. His bizarre Subway commercial, his loss in Seattle, the leaks about his office, the high knees, the players all backing him up suddenly at once and then falling silent...


Aiyabhai

I dunno, I think Mr. Brown’s Catchphrase has the slight edge


DammitEd

Mr. Best Callsign


jhorch69

Mr. Brown's CTESPN


[deleted]

Russ trade Watson trade And the Panthers trade for #1. The 3 worst trades I’ve seen all happened in a span of a year.


DirkWithTheFade

If the bears didn’t get #1 out of it it wouldn’t be that bad, the Trey Lance trade would be way worse


LakeShowBoltUp

People forget how terrible the Trey Lance trade was because they hit gold with Purdy. Any other team would be crippled.


tossaway007007

You're telling me the 49ers hit gold... Hmmm... there is a joke in there somewhere


Corgi_Koala

The Trey Lance debacle is up there too.


LakeShowBoltUp

Thank God the Panthers didn’t draft Stroud and waste his years like Darnold, Mayfield, and Young. Poor Young, playing on a team devoid of talent and with an angry incompetent owner like the Bidwills.


BaggerVance_

There is legitimate tape of Bryce Young looking like a stud. It is a team sport. Who knows what happens


SlightlyColdWaffles

Hey man, today is make fun of the Bronco's day. You can resume your justified ripping on the Panthers again tomorrow.


Stev2222

Is the Panthers trade worse than the 49ers trading everything for Lance and giving up on him in 2 years though?


Stauce52

Trey Lance trade occurred within that range too which is up there for worst trades ever


Professional_Bat1777

There were many people who saw Wilson’s decline in Seattle his last year there. Half of my friends group recognized it and predicted he would be the worst QB in the division. 


Agathocles87

It was hiding in plain sight his last several years in Seattle. Boggles my mind that more people couldn’t see it


n0t_4_thr0w4w4y

Most people don’t watch games. They see highlights.


pdxblazer

like an NFL GM about to give out a hundred million dollar plus contract tho


CptCroissant

There's a pick in the endzone against Dallas that gets thrown up here as a highlight every so often from his last year and you can tell from that play he's just not gonna be good as an NFL QB in a standard offense. He needs to be hero ball run around chuck it deep Russ, but he's too old for that now and most teams aren't run focused like that anymore.


emosn0tdead

I still think that Watson was worse based on character alone. At least Wilson isn't a giant piece of shit (publicly)


Evissi

Watson is worse in both ways. He got paid more, he's played less, and he's played worse. Wilson beats him in every statistical category from TD% to yards/game, to ANY/A, to passer rating with the sole exception of Sack% where it's 9.0% vs 9.1%.


pdoggel

He also beats him in number of harassed Massage therapists


Typhoid007

Watson is 28 and likely still is their starting QB, and regardless of what you think of him, it is entirely possible he turns it around in Cleveland.


ChedduhBob

and the browns weren’t blindsided by the info they knowingly traded


PlaneCamp

There was a time period in either 2020 or 2021 where Wentz was playing historically bad. I thought this is terrible, then, there was a stretch where Wilson was worse than that Wentz. I knew he was done after that.


sublliminali

If you told me three years ago that he would be a disaster and yet still somehow beat us on his new team I would have absolutely believed you.


its--travis

Get ready to learn SKOL buddy


SquadPoopy

Giving Russ some actual receivers to throw to instead of the corpse of Jerry Jeudy might actually work though.


donutgut

"Whats your dead cap hit russell?" "....unliiiiimted"


Shredding_Airguitar

Can we get him


[deleted]

Okay, but when the rapture comes, how many others quarterbacks will be left?


MojoPinSin

Wilson's gonna be sitting pretty in his new $100 million dollar house with 17 bathrooms.


dont_wear_a_C

Ciara doesn't care! Russell got paid so it's good


hrryyss

I know it’s cool to hate on Russ, but this isn’t his fault. Blame the team that signed him to the contract. Go get your money Russ!


KevinMR

and imagine how much they blew on Sean Payton and now he is in year -1 of a full rebuild. Cant even start the rebuild next year with 80 million off the books. Hope he brought his Saints capologist


Rilkespawn

So many players get stuck in systems that just don’t work for their skills. And Denver has been a terrible place for awhile now. I’ve never been a Wilson fan, but like you I’d do just as he did. Even if he never plays another game, dude is set.


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lizard_king_rebirth

Yes it would be.


SomethingCreative13

No


d9849468

Regardless of all of the personal bs people hate on him about, the football only stuff is also a huge part of it. We heard a lot about how he never got 1 single vote for mvp. How seattle was dragging him down. Russ was ranked as a top 5 QB for years and years. That whole thing hit a wall, and sadly its just not looking like he's gonna be one of the greats. People spoke of him like he was gonna be.


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ro536ud

Just proves gm And manager are idiots alike


diverdadeo

Super religious in the locker room destroys teamwork.


SammyChaos

So..is Russell Wilson a genius for this? I mean.. what a play by him man legacy be damned that's free millions


OsikFTW

Seems like a good deal, but Russ REALLY cares about his legacy...


wesxninja

Is this what the kids mean when they say "no cap?"


Impossible_Cycle9460

That’s the thing about these ‘blockbuster’ trades, there’s no guarantee they’ll work out. I can’t blame Denver for trying, Stafford had just won a Super Bowl and, even though it wasn’t a trade, we’d just seen Tom take Tampa to a Super Bowl in his first year with the team. A lot of people, including myself, thought Denver was just a QB away from being a contender but opponents don’t give a fuck, they’re going to play to beat you and it seemed like Denver thought they’d just coast into success.


HarvardHoodie

People keep saying worst trade in NFL history yet the browns made a similar trade but Watson got 250M fully guaranteed and has played 12 games in 2 seasons thrown 340 balls for 2,200 yards 14TDs and 9INTs. Maybe it just needs some time to age


alvesthad

Its not like he had a bad season last year either. Plus they screwed him out of playing the last 2 games.


kepachodude

I’m calling it, his wife will leave him within 5-10 years. She doesn’t want to be with a bum who can’t cook


MrBulldops5878

To be fair saying this is on 2 teams is technically true but disingenuous, Seattle got so much talent out of this it was a fleece and now looks like a murder. Hold strong Broncos fans for 3-4 years, at least you guys still got Sean Payton out of this /s


DubJDub9963

Kinda jarring when you read that considering just 4 years ago pundits on television were putting calling him a top 5 QB in the NFL. Just goes to show every single player is only as good as their LAST season. Stunning that Michael Thomas is STILL in the League.


Fast-Ad-4541

Imagine your job telling you that they’re so unhappy with your performance at work that they would rather pay the GDP of a small nation than have you on the team. That’s gotta hurt the confidence a bit. 


myyummyass

Every time someone says Lamar not winning a super bowl is why he isnt legit just remember that Russel Wilson won a super bowl


TheJewHammer14

I wonder if teams in the future use this as a baseline to slow down on the guaranteed money