PJ Dobbins

Homeschooled PhD in NBA2K Build-Making. Not a demigod, not a bum, I play to have fun. Let's get these dubs. Bucks In 6! Go Sky! 🟠⚫️Reese’s Pieces🟠⚫️

[PJ Dobbins @2KBuildGuru]

@HubieTalksHoops I'm sorry, the Bucks championship is 100% legitimate...

[PJ Dobbins @2KBuildGuru]

@BMG_B00F @sheistiara224 @DailyLoud No league bases salaries on profits because that’s circular. Salaries determine profit. And tat’s why every league uses revenue share. The WNBA doubling players’ cut as TV money rises is more than fair. It’s okay to admit you were wrong.

[PJ Dobbins @2KBuildGuru]

@BMG_B00F @sheistiara224 @DailyLoud Actually it isn't. Profit and revenue are not the same thing.

[PJ Dobbins @2KBuildGuru]

@BMG_B00F @sheistiara224 @DailyLoud Yeah that's not how it works. In the NBA, the player salaries are based on a percentage of league revenue. And salaries are so high because of the massive revenue driven by the tv contracts.

[PJ Dobbins @2KBuildGuru]

While I’m against the war itself, let’s be honest about the situation. Iran sent an armed warship to an international naval exercise and then had it sailing home during active hostilities. That carries risk. The same logic applied when the UK sank the ARA General Belgrano during the Falklands War.

[Mark Cuban @mcuban]

The crazy part, is that no matter what the WNBA does with salaries, every star college player will take a pay cut to play in the WNBA

I asked a few ADs what the going rate is for the star player on a power conference WBB team -$500k to $1.2m.

And, you are always a free agent with the portal. You get your room and board paid for. And you can get a good education if you work at it.

It’s all subsidized by donors and shared school revenues. Which makes it more similar to Europe, where companies subsidize teams , than to the WNBA

In the NBA, a team can’t go to a sponsor and negotiate a direct payment deal for a player. In college they effectively can with NIL money. When I have written checks to IU, I knew which players were trying to get with the money (although I never tie the money to specific players. It’s up to them )

The WNBA needs to look at allowing the same thing. Let the teams go to local sponsors and work out payments to players as part of sponsorship packages.

The big name players have agents to do this. The rest make minimal amounts. With or without an agent.

Let WNBA teams pay “NIL” money to its players.

It’s counter intuitive for NBA folks, but here is the issue. WNBA teams don’t have the margin dollars from tickets, sponsors and shared revenues like tv to pay bigger salaries using their own cash flow.

With help from the league , they could create NIL deals with sponsors that go directly to the players. From the sponsors.

Make it legal. Create a cap per player, based on years of experience.

Yes, some teams will suck at it, that’s where the wnba comes in to help. They will suck at it as well for some period. But like collegiate NIL, the sponsorship packages will supplement player salaries without undermining the economics of the teams and league itself.

The next question will be competitive balance issues. The big markets can do this better. They have a great addressable market for sponsors. The wnba could require that some percentage of the NIL money deals go into a pool for a version of revenue share.

This is effectively what happens (or did ) with jersey ads. I remember advocating that the jersey ads be split with all teams, because the greatest value to sponsors comes not from local tv or games, but from national tv, playoffs and jersey sales.

This would be similar.

Obviously I’m just spitballing this , but if they came on shark tank , that’s what I would suggest !

What do you think ?

[I talk hoops 🏀 @trendyhoopstars]

Angel Reese! 📸🪄

[PJ Dobbins @2KBuildGuru]

@theatomicmom @BenMcAdams A constitutional Republic based on the rule of law a form of functional democracy. What's your point?

[PJ Dobbins @2KBuildGuru]

@SquidwardFiles @0liviajulianna They are also collect way mor literal non-criminals, so there's that.

[PJ Dobbins @2KBuildGuru]

@garykoepnick @WalshFreedom @mary28653912 Smart glasses with a camera.

[PJ Dobbins @2KBuildGuru]

@PowerGotNow Excellent idea. If you got flagged and aren't cheating, I'd consider that a badge of honor.

[PJ Dobbins @2KBuildGuru]

If this is the plan, here are the problems with each piece:

1. Pre-funded HSAs: The deposit is tiny compared to a $7k–$17k deductible.

2. Bronze HDHP pairing: Locks families into the highest deductibles on the market.

3. Age-based credits: Low- and middle-income households lose the most help.

4. Subsidy money flows into HSAs: People can pocket unused money instead of lowering premiums—hurts the risk pool.

5. No income phaseouts: Higher-income households get the same or more help than low-income families.

6. Unclear requirement to buy insurance: Healthy people may take the money and stay uninsured.

7. Regulatory rollbacks: Leads to skinnier plans, narrower networks, and higher out-of-pocket costs.

8. Expanded HSA rules: Bigger caps and no HDHP tie-in create a huge new tax break, letting higher earners accumulate tax-free balances long-term.

And that last part is the real kicker:
👉 Expanded HSAs become a major tax shelter for the wealthy, blowing a hole in revenue without improving affordability for most families.

[PJ Dobbins @2KBuildGuru]

Eliminating subsidies and switching to HSAs doesn’t lower costs.

Huge HSA caps with no HDHP tie-in = a giant tax break for higher earners and a revenue drain.

HSA deposits can’t be income-based, so they don’t match premiums—young/healthy gain, older/sicker get priced out.

Catastrophic-only options gut coverage and raise premiums for everyone else.

“Continuous coverage” discounts just bring back pre-ACA underwriting.

[PJ Dobbins @2KBuildGuru]

@KrisNationTV @Joey2KYT @Beluba @itsEvanCC I know most wouldn't want to, but I def would jump in squad REC as a solo to be a 5th.

[PJ Dobbins @2KBuildGuru]

@tonickeyboard Another 2K another year where most of the attributes are worthless. Wash, rinse, and repeat...

[PJ Dobbins @2KBuildGuru]

@Acyn Insurance companies make far more profit off of the group plans the people have through their jobs.

[PJ Dobbins @2KBuildGuru]

@Acyn How to say you don't understand how the ACA works without saying it.

[PJ Dobbins @2KBuildGuru]

@angryolditpers1 @Acyn 100%. The actual cost of healthcare is the common denominator.
Opponents might be shocked to hear this, but ACA plans are the cheapest in overall cost (even WITHOUT subsidies). Followed by private, and then Group. ACA plans can make 20% maxed while that doesn't exists otherwise.

[PJ Dobbins @2KBuildGuru]

No, ACA subsidies are NOT “insanely huge payouts to insurance companies.” That’s a myth opponents love. Here’s the truth: Insurers get the LEAST money per person from ACA plans:
- Employer plans: $8,600
- Non-ACA individual: $6,400
- ACA Marketplace: only ~$5,640

Subsidies don’t give insurers an extra dime, they just shift who pays so families aren’t crushed. Without them, millions drop coverage & insurers get $0 from those people.

ACA also caps profits at 15-20% max. Employer plans have no such limit. The big insurer cash cow is still your job’s plan, not "Obamacare".

I do think you’re right, Trump wants to hand people cash & kill the insurers’ role. This is a horrible idea because:
- Pre-ACA, insurers denied anyone sick & premiums exploded
- Fixed cash won’t cover a $300k hospital bill
- We tried “here’s some money, good luck”—45M uninsured, medical bankruptcies #1 cause

[PJ Dobbins @2KBuildGuru]

@WallStreetMav Actually, the $42.45B has only been allocated to states. Just around $400M (<1%) disbursed so far—mostly planning, mapping, admin.

That zero households connected yet shouldn't be surprising.