J

[J @_jay_wendland]

This is literally Texas’s fault Kyle. You guys ran off Nebraska and A&M

[Kyle Umlang @kyleumlang]

Never forget what they took from us

[J @_jay_wendland]

@jonathanfg97120 @LeadingReport If you can’t read, it’s a safety issue. The goal here is saving lives. The impact on the economy is negligible.

[foley (follard) @follard]

I went to Dartmouth. It costs roughly $60,000 a year all in. I now build homes for a living. They cost roughly $350,000 to build.

Both of these numbers are completely insane. And they are insane for the exact same reason.

The moment the government guarantees a loan, the seller stops caring what the buyer can actually afford. College tuition exploded after the federal government started backing student loans with no underwriting and no discharge in bankruptcy. Home prices exploded after Fannie Mae and Freddie Mac started buying mortgages and removing risk from lenders.

When a bank knows it will get paid no matter what, it will lend to anyone. When the bank will lend to anyone, the seller raises the price. When the seller raises the price, the buyer just borrows more. Nobody feels the pain until the bill comes due 10 or 30 years later.

Colleges added $200 million rec centers and hired thousands of administrators because students were writing checks with money that didn't feel real. Home sellers listed at $500k because they knew the bank would approve it regardless of whether the buyer could sustain the payment.

I benefited from both systems. My Dartmouth degree opened doors. The homes I build get financed by these same banks. I am not pretending to be above it.

But I look at both industries from the inside and tell you they run on the same engine. A guaranteed loan that disconnects the buyer from the real cost of what they are purchasing. The university and the mortgage lender have the same business model. They are financing tools that happen to have a campus or a front door.

If the government removed the guarantee from the student loans tomorrow, tuition would drop 40% within five years. If Fannie and Freddie disappeared, home prices would correct in the same direction. The prices are essentially fake. They are a reflection of how much debt a bank is willing to issue, not how much the product is intrinsically worth.

I say this as someone who went to an expensive school and builds homes. Both systems are broken in the exact same way and nobody talks about it because too many people profit from the status quo.

[steve 🅁🅅🄽𓄿 @tutones1]

@stillnothawkize Not even in the conversation with these stats is wild

[J @_jay_wendland]

@KirstiMiller30 @JackThompsonFOX The fact that they’re IN THE OLYMPICS doesn’t prove there’s no advantage? Literally beating out thousands of women to reach the pinnacle of sport??

[J @_jay_wendland]

@TXPLAYSX @hornsby_realtor It’s all relative to the market price in the area. $200/sq foot would be expensive where I live in the Midwest and a BARGAIN in Southern California. Unless the market completely crashes or they grossly overplayed for their area, they they probably have a pretty fair deal

[J @_jay_wendland]

@TXPLAYSX @hornsby_realtor Why would a young childless couple need more than 1500 sq feet? I grew up in a family of 4 in a 1300 sq ft house. Kids even had our own rooms. Let’s normalize building and buying 1000sq ft starter houses.

[J @_jay_wendland]

@hornsby_realtor What bank ?

[J @_jay_wendland]

@CavallaroJN @CigsMake GMC had step sides in the 90s

[Freddy🇩🇪 @FreddyLA7]

So long, America🫡🇺🇸

49 days ago we landed in the USA to follow our country at the World Cup. We had no idea it would turn into the trip of a lifetime.

Thank you to everyone who followed along, and to all the people we met who made this journey even more special. We honestly don’t have the words to express how grateful we are for everything you did for us.

This trip exceeded every expectation we had. We came here with an open mind, wanting to experience as much of the country as possible. I still remember telling my friends on the flight to Atlanta that I hoped we’d get to meet a few locals on this trip. Now we’re flying home with friends all across the USA.

Before we came, we heard so many stereotypes and warnings about America. People told us about safety concerns, that they might check our social media at the border, and all kinds of other things. None of it matched our experience. This was probably the most welcoming country we’ve ever visited.

So if you have the chance to travel, do it. The world isn’t nearly as bad as the media often makes it seem. 99% of people are awesome!

I heard this quote somewhere during the World Cup, and I think it sums up our experience perfectly:

“If you want to hate the world, watch the news. If you want to love it, travel it.”

Thank you, America ❤️🇺🇸

[J @_jay_wendland]

@cojo5377 @AdamCrafton_ @TheAthleticFC FIFA is like “don’t blame us- we don’t make the rules! We just make all the rules.”

[Tiffany Fong @TiffanyFong]

Why do Japan fans clean up after games?

“That’s the culture. It’s respect for everything: the players, supporters, and the stadium. We’re honored to be here, so we don’t want to make a mess and leave it.”

I love Japan 🇯🇵

[J @_jay_wendland]

@officialkateGr @kevinxu If you put $1M in an index fund that makes 10% returns on average every year, you can withdraw 70k per year while giving yourself a 3% raise every year in perpetuity. It’s definitely life-changing.

[J @_jay_wendland]

@MarioBalukcic @Austen Or how about 20k seats for $380 and 50k for $100?

[J @_jay_wendland]

@BrennanBaxt You can support his mental health without having him play. In fact it’s probably a lot better for his wellbeing as college football isn’t exactly stress free and easy

[TBT @thetournament]

Like for KU / @JHXhoopsTBT ‼️

RT for K-State /@PurpleReignTBT 👀

[Mike Stanley @Stanimal032]

I’m going to share this once. Some friends offered to do this for us. No one is under any obligation.

This time my family in going through something we’ve never been through. We’ve never had Brody need four surgeries in three months. We’ve never spent over two months away from home like we have to this year. We’ve never had to max out my wife’s PTO for Brody’s medical needs by July. We’ve never needed me to be out of my practice for 6 weeks to help care for my son because he is now a big boy that need two people to lift him in/out of his wheelchair, etc. We’ve never been in this position.

My ego pushed back against this for a long time. I don’t like asking for help. I don’t like feeling like we aren’t able to handle it. I hate all of it. But we had a lot of people ask how they could help us through this time and this is what our friends came up with.

No obligation. No expectation. Appreciation for any little bit. Love you all for all you’ve ALREADY done to lift us up during this time.

https://t.co/7pVf4KuTwv

[Whit @StrangerWhit]

@BelmontMBB Yeah don’t let one of the assistants be the interim HC so your players can enjoy a little more ball.

[Micah Adams @MAdamsStatGuy]

Bam Adebayo broke math.

His 83-point game was 8.5 standard deviations above his career average (or ~1 in 53 quadrillion)

Based on career avgs, its like:

Patrick Mahomes passing for 915 yards
Justin Verlander throwing 214 pitches in a start
Wilt Chamberlain grabbing 79 rebounds

[J @_jay_wendland]

@watanabe_kai_ @Jaberuski Your dream is to be an employee?