Chisoxfn

QUOTE(CanOfCorn @ Aug 22, 2006 -> 01:48 PM) I disagree completely...this is exactly the way the White Sox brought Buehrle along in 2000. Let him get a taste of the big leagues, they can stretch him out over the winter and in Spring Training. Different situations though. Buehrle was not pitching out of the pen for an entire season and he did have the ocassional spot start.

QUOTE(Palehosefan @ Aug 22, 2006 -> 01:20 PM) I, personally, would hate to be watching any movie and have a rattlesnake bite me. Possibly if it was something like Cats and Dogs, then it might put me out of my misery.

Brian is a premiere defensive centerfielder as a rookie. This team is not losing because of its offense and while you can make a case for this team losing becuase it doesn't do the little things (or pitch), you can't possibly convine me that Brian Anderson will cost us the playoffs or world series (it will be the pitching and our lack of execution).

Its pretty evident that Kenny and Ozzie see things different when it comes to Brandon. Ozzie's managing has been detrimental to McCarthy's development this season. He seems to finally be figuring things out in regards to Anderson (which is nice to see) but Ozzie has done an awful job (and I've been saying it all season) all season when it comes to McCarthy.

QUOTE(Soxy @ Aug 22, 2006 -> 11:04 AM) Oh Jas, there's a whole thread on SOAP. Sweetness, just found it. I'm so going to see this now that I'm back in town.

Very sorry to hear that Nick. Thoughts go out to you and your family :prays

So no one saw SNakes on a plane. You all failed me cause I want to see how it was. I sure hope its going to be as brutally horrid as I expect (which in turn means it will be hysterical).

QUOTE(Soxy @ Aug 20, 2006 -> 08:28 AM) I hate people that lie by omission. Or only tell you exactly what they think you want to hear. News flash! I really just want to know the truth. People that aren't honest are just empty hollow shells of people whom I would rather not know. And those people, the ones that would rather just tell you you your "personal version of reality" instead of the truth, are the most annoying and fake when they get caught in their lies. I would rather spend the rest of my life alone than be in one more hollow, empty, half-truth relationship/friendship. I think true friends have to tell you the truth. Someone telling you what they think you want to hear does nothing except give you a false sense of hope. Ocassionally you have to say the typical, "its going to be okay" or some other cliche, but a lot of the time my theory is there are tons of other people that will do that, so if I have to be the one that tells the truth (you made the mistake, now you pay for it and you better lean from it), even if it means being brutally honest and blunt from time to time. But I'm totally with you on this and I'm sure its a shocker since i'm the most passive person on this entire board. Of course its also why those that are weaker of heart/confidence consider me to be an ass. QUOTE(mreye @ Aug 21, 2006 -> 07:18 AM) No wonder you had beer left! I know a way to get REALLY rich - fast. I shouldn't tell all of you, but I will anyway. I'm going to open up a turn signal repair shop because there's obviously a lot of broken ones out there judging by how few use them. I also hate cops that think they can turn on a left red (without a turn signal) when it says "Left turn on arrow only" I hate cops that weave in and out of the carpool line just because, cops that make illegal turns and do all sorts of other stuff that we as normal drivers can't do. Its one thing if they are going somewhere, but I do think they should have to follow the laws on the road. I respect the hell and thank police officers, but it is one of my pet peaves when I see them driving all crazy when I don't think they are going anywhere aside from just patrolling a road.

Its not really that much different than how a lot of us feel. I know I've been ripping this team for a while.

QUOTE(winninguglyin83 @ Aug 21, 2006 -> 08:33 AM) Chris Young, the best prospect the Sox have traded away since (fill in the blank), got called up to Arizona Friday. Had a single in three at bats after a solid season in Tucson. He's featured on the Baseball America web page today. every time Javy has one of his meltdowns (I've heard that it happens sometimes), check this kid's line in the box score and remember what might have been. Razor Shines, his manager at Birmingham last season, sez he's better than Anderson, better than Sweeney, better than Owens, better than anybody in the Sox system. at least we'll see him play when he comes to Wrigley every year. He's the best prospect to come our way in a long time. It stinks we gave him up for Javy, but at this point all we can do is hope Javy turns into something. I've long said if he can't do something for us, we won't go anywhere this year because I don't have much faith in Freddy/Mark being our guys this season, so we need someone to be that 3 if we do in fact make the playoffs. Heck, I don't have much faith in Contreras.

His average would be much higher, but he's sucked for the past couple weeks to a month. Most all of that came when he was hitting for an average. Pitchers have figured out some sort of flaw and now Napoli is going to have to adjust.

QUOTE(kapkomet @ Aug 16, 2006 -> 01:56 PM) I know you're going to be gone, but why were there so many refi's after 3 years on ARMs, and why are there so many foreclosures from people that were on ARMs? You have to be really, really careful on these. That's all I'm saying. It's more riskier, but it can come with a good reward if you really do your research. People don't refi arm's and go to fixed, they typically refi because they could get newer loans with better margin's or that they were refi'ing to again pull some cash out because there property had really appreciated. I know of all the refi's we did, we weren't refi'ing people into fixed loans, they were going right back into ARM's. QUOTE(Steff @ Aug 16, 2006 -> 01:55 PM) I agree with you, moreso because of the investment property, and I know if I was the one asking I would appreciate the advice. I just didn't understand the hatred towards IOL's.. LOL. I think investments in real estate are the best ways to invest. The stock market in my opinion is much more of a crapshoot, i almost consider it to playing poker, where if you are really really good you'll be able to win, but if you are mediocre well frankly its just a crapshoot (if your investing long term and in indexes and funds you may be alright). In the case of real estate you actually own something, you arne't just there relying on accountants numbers and expectations. I really find it ridiculous that a companies stock will drop or take a hit when they make less then expected earnings (yet the company is still making a net profit) yet some other company is in its 5th or 6th year of constant losses, but people expect it to increase earnings and grow so the stock continues to skyrocket even though its not a successful company. Real estate you own property, are able to get some tax benefits (if you spin things properly) and bottom line you are even able to get people to live in your house and help cover the expenses (ie leasing it) and best of all you have about 10% in on the investment so if/when it goes up (and long term they GO UP) you end up getting a nice return (for example CA historically is like 7%, but you are getting 7% on the purchase price while you only put down 10% so really your making a whole lot greater return than that). And I have been brainwashed this stuff for years from my dad, so these opinions really aren't necessarily mine, rather what I've learned from working with my dad (whose been in the biz for 35+ years now) and a few other of my dads friends/agents that have been in the business for 30 plus years. These aren't just the noobs that come rolling out when the refi industry is strong (such as a lot of newer mortage brokers who are gonna realize and already are that it really isn't that easy to make money when the market is down) or when the market is strong (when any jackass real estate agent can sell a home).

QUOTE(Steff @ Aug 15, 2006 -> 11:46 AM) You're giving advice with a very broad brush stroke. Well, I'm on the other side of the spectrum in that I think interest only and ARM's are the only loans I'd really recommend. Only in rare circumstances would I recommend anything else because its so much cheaper and there is absolutely no reason to have money tied into your house (as far as I'm concerned). But thats for the area I live in and maybe my recommendations aren't the best for other areas. I also think this 25-30% increase is not going to happen and I think a ton of people are over-reacting to a necessary downturn in the real estate market. Its a cycle and a downturn is going to happen, but its not going to be like the crash of the late 80's early 90's (well at least how bad it was in Cali at that time).

QUOTE(Pauly8509CWS @ Aug 15, 2006 -> 11:14 AM) For some reason I've loved Penn State since I was little. I was a Joe Pa fan. You interested in being a mod for the Penn State forum on talkbigten.com ????

QUOTE(winninguglyin83 @ Aug 15, 2006 -> 10:03 AM) garland has been solid. If he could just improve his changeup (and not have it knocked outta the park so much) he could move to the next level and truly become a No 2 starter. Right now he's a four or five and frequently benefits from pitching in that spot in the rotation. I don't even know if its improving the changeup, rather improving the consistency with which he throws it. When its on, its a sick pitch and will make him even better, the problem is he tends to leave it up a little more often than you would like. If he can improve upon that as the season goes on and into next year, I really think Jon can be even better. The guy has poise, throws a real heavy ball and really seems to have a fluid motion and is such a great fielder on the mound (plus he actually limits the oppositions running game).

QUOTE(AbeFroman @ Aug 15, 2006 -> 10:21 AM) I'm not going to spend a lot of time researching a loan for you. But I did just go to Wells Fargo online. Their interest rates are generally higher than most because they are one of the safest and most financially secure banks in the world... They are probably the gold standard in banking worldwide. Presently the Wells Fargo 30 year fixed rate is 6.375. That a lot lower and less risky than an interest only. Search around. It wouldn't shock me to find interest only loans in the 5% range actually. At this point, if you are working with a mortgage company and they are telling you that 6.625 interest only and 8.275 is the best you can do, they are lying. Start researching more.... I would not agree to those terms unless I had investigated 10 different brokers and they all told me the same thing. Its hard to say though, but they may be getting a fatty rebate somewhere in there and thats why "YOU" are paying a higher rate. Make sure you trust your mortgage broker. That or there could be an issue somewhere with the credit or something like that, which means your forced to pay a higher rate. Without looking at the package I couldn't really say for sure, but its likely one of those two.

QUOTE(kapkomet @ Aug 15, 2006 -> 10:14 AM) True, if FOR SURE you're only going to be there for a very short period of time. Also, I don't know your age, but I assume your younger. If you expect to be making more money over time (and relatively confident in that) this is another good option since a few years from now you'll have more money and may be interested in selling or could always afford to refi and than start putting in some principal. In general I think people get caught up because I still say ARM's >>>> Fixed because if you get a good ARM you'll be a nice amount lower than the Fixed Year rate and assuming you aren't planning on staying for 15-20 years, even if rates go up a bit you'll still be in very good shape because you aren't quite down as much from the start. Of course if your planning on staying 15-30 years than I am a fan of going the fixed route. I can't possibly help you on the negotiation though because every market is different. I know that if the market is hot in Cali you will never get a house if your offering under market price, but once the market slows down (and in a more typical market) people usually don't get full price offers and if they get even more than that it typically means the agent screwed up and underpriced your house.

QUOTE(Steff @ Aug 15, 2006 -> 09:24 AM) Only if you don't really want it. And I would look at the interest only loans a bit more before you decide against them. If this is a starter house ( I concur

No worries, it takes comments like that to make us better so we definately appreciate it. Hell, constructive comments like that are something we really appreciate so if there is ever anything else you think we can work on or anything like that feel free to add it.

I only watched a bit of it as I was watching the SOx game, but he was kind of funny the little I heard of him.

Just curious to see if any of you guys/gals are fans of either school's athletics????

The Big Ten Site is COMING!!!!!

Anyone want to make me an Iowa Hawkeyes/Drew Tate sig Thanks so much, also instead of Soxtalk can it say TalkBigTen.com

Avy Siggy

QUOTE(CWSGuy406 @ Aug 13, 2006 -> 05:45 PM) Thanks for reading me his player profile. Appreciate it... Anyone know why he's on the 40-man? He throws into the mid to upper 90's or at least used to. He hasn't produced near enough to have me ask around to see how he's been doing. The guy has had a lot of control problems IIRC.