southsider2k5

QUOTE (StrangeSox @ Jan 30, 2015 -> 01:25 PM) But who are the educated, knowledgeable professionals here? Who are the ones that are supposed to be experts at evaluating loan risks? It's not like there's a shortage of stories/lawsuits over banks pushing people to lie on the applications in order to qualify or simply changing the numbers on the applications themselves. Think of high-pressure car salesmen. They're just looking to squeeze the absolute most out of you. When I was buying a car back in May, I overheard the deal going down next to me as I waited on paperwork. It was a younger kid, early 20's, looking at buying a new Toyota FR-S. Only problem was, he couldn't actually afford it. Within 20 minutes, the sales guy had talked him into an "affordable" lease and then he could just buy the car outright in 3 years! It's a high-pressure situation with lots of emotion involved (you really do like that car/house, and you do need something to drive/live in). One side of the table is highly incentivized to get that deal closed, and they've got a lot of experience in negotiating. They'll lie to you, their boss and anyone else to get the deal closed. They'll use well-worn but effective tactics ("four squares) to get you focused on the "right" numbers. Now one critical difference there is that most people view car salesmen pretty skeptically, but even with that they're pretty successful. I don't have data, but I'd imagine that people are generally a lot less skeptical towards the loan officer at their local bank branch, and that they'd trust these people to give them sound financial guidance. But that's not what they were getting. They were getting mortgage brokers looking to push as many people into the most profitable loans they could regardless of the actual financial circumstances. Why should we more heavily blame the people emotionally invested in one of the biggest decisions of their lives (buying a home) instead of the people who churn out mortgages every day and are looking to make as much money as possible? The bankers are the people who are supposed to have seriously and legitimately evaluated the financial capabilities of the mortgagee and determined that they could repay this loan. You mean like Freddie and Fannie?

QUOTE (LDF @ Jan 30, 2015 -> 11:18 AM) that is funny. i wonder what happen there. its not like Bellsario has many options. I hear Japan is nice this time of year.

Can I say that Thibs isn't really having a great year? I know they have had injuries, but how many games have we given away to sub .500 teams this year? I wouldn't be as upset about it, but we are still beating really good teams meaning they can play like that on every night... but aren't. So what is the deal?

QUOTE (LittleHurt05 @ Jan 30, 2015 -> 11:23 AM) Boogie Cousins FTW i can't believe he held on to that for five years.

QUOTE (SoxAce @ Jan 30, 2015 -> 11:57 AM) Stan Mikita has dementia. http://www.dailyherald.com/article/2015013..._medium=twitter Sad. Out of curiosity, we hear about this all of the time in football, is there a lot of it in hockey?

RT @ChrisCotillo #BlueJays deal with Ronald Belisario has fallen through South Side Sox ‏@SouthSideSox 8m8 minutes ago Still can't close.

QUOTE (Reddy @ Jan 30, 2015 -> 10:25 AM) How common do you think pitchers with a 3-5 WAR/season are? And if 1 WAR is worth $8 million, if he only put up HALF a WAR, he'd be way more valuable than 1.5MM. If he were to put up 1 or 1.5 or 2 WAR, that's insanely valuable. I'd love to know how many times a guy has pitched 12 innings over the course of two seasons, and then come back to put those kind of numbers. The odds have to be pretty miniscule.

This makes me smile. Freep Sports ‏@freepsports 9m9 minutes ago Victor Martinez could be in the mix at catcher early in the season for the #Tigers. http://on.freep.com/1yeI6YZ

QUOTE (Jake @ Jan 30, 2015 -> 10:13 AM) Someone has to figure out how Poppovich has maintained such success Well one good place to start is having one of the best, and most selfless, players in NBA history on your team.

QUOTE (Dick Allen @ Jan 30, 2015 -> 10:08 AM) If you take the number of inaccuracies and divide it by 30 teams, the average team's projection was off 6.7 in 2014. You can give me as much hard time as you want for saying a projection means nothing, and for thinking this isn't some useful "tool". The fact is, when the games count, this projection, like any other, doesn't come into play. So let's see your MLB predicts and we will see who is closer after the season.

QUOTE (Y2HH @ Jan 30, 2015 -> 09:40 AM) No idea, I'd imagine not a very good one, though. The loan game is inherently unfair to the people that actually need to borrow money the most. My thinking is that 6% isn't really bad. Think about it, mortgages are where now 4%? 3.5%? Those are asset backed securities. People getting mortgages have incomes.

Out of curiosity, on the open market, what would an unsecured loan to someone without an education, job, or credit history usually get for an interest rate?

QUOTE (witesoxfan @ Jan 30, 2015 -> 09:22 AM) A point of reference. That's it. Based on the information we have on hand, those are the projected win totals. It's January and we want to talk about something and using prior statistics to look at the strengths and weaknesses of a team or multiple teams is fun and interesting to do. In all seriousness, do people write nastygrams to their local meteorologist when the 5th day of the 5 day forecast isn't right? Do they call CNBC when the stock pickers are wrong? PECOTA is like those. You take the information you have in hand, crunch the numbers, and make a educated prediction as to what will happen. Building anything on top of that is as futile as taking a long term weather forecast as gospel.

QUOTE (NorthSideSox72 @ Jan 30, 2015 -> 07:49 AM) Well, for the record, Jared Mitchell did get one 30th place vote (not from me), so he didn't quite disappear entirely. Close though. Gonzalez is gone now and Walker is... Walker. Interesting to mention Walker. He was posting yesterday about being over 200 pounds for the first time in his life. Wonder if they means they are trying to bulk him up, and what it means for his speed game.

QUOTE (LittleHurt05 @ Jan 29, 2015 -> 09:18 PM) 12 innings in 2013, zero innings in 2014, two different surgeries. It's a great lottery ticket, but they may get nothing from him. Hello Jesse Crain signing. And we got him on a minor league deal.

QUOTE (Dick Allen @ Jan 30, 2015 -> 09:17 AM) Great comment. Can you tell me the purpose of the PECOTA projections? Do you think when they came out Rick Hahn was tossing and turning thinking he spent a lot of JR's money and he has a team that isn't very good? The good news is if these things show the true talent level like some claim, Robin Ventura is a far better manager than Joe Maddon. So the Cubs should really suck this year. Its the truth. The hyperbole alone shows that.

QUOTE (Eminor3rd @ Jan 30, 2015 -> 08:42 AM) Man I don't know how to boil it down any more. Forget it, he's rolling.

QUOTE (Heads22 @ Jan 29, 2015 -> 11:13 PM) She wants to see me again I feel confident that she gets the Gage Seal of Approval She has a wool coat?

QUOTE (Steve9347 @ Jan 29, 2015 -> 07:58 PM) 8 month pregnant women. They tend to get pissed about dumb s***. Hopefully you don't harbor the delusion that it will change after pregnancy.

QUOTE (Heads22 @ Jan 29, 2015 -> 09:13 PM) Wite brought up a good point earlier. What percentage chance would you give us to make the playoffs? What chances would you have given us at the end of 2014? What chance would you have been happy with us improving to at the end of 2014? I'm frickin thrilled. At least playoff talk isn't crazy. I also like our top 3 starters against any in baseball. What percentage chance would you give us to make the playoffs? 25 What chances would you have given us at the end of 2014? 1 What chance would you have been happy with us improving to at the end of 2014? I didn't have nearly as high of expectations so 50

QUOTE (caulfield12 @ Jan 29, 2015 -> 09:15 PM) 2004-2005 Starting with the additions of Garcia and Contreras, followed up by AJ, Dye, Pods/Vizcaino, Iguchi and El Duque. 2007-2008 Alexei/Danks/Quentin...Floyd was added in 2007 and then Viciedo would be added after, was REALLY excited at the time about the biggest signing bonus player (surpassing Borchard) in Sox history...with Beckham also drafted that summer as well 2009...With Peavy and Rios coming onboard, especially the season-long courtship of Peavy...unfortunately, it also pushed out Jermaine Dye, and that left a sour taste IIRC, most people were PISSED with the Carlos Lee trade and hated the 2005 off season.

QUOTE (Reddy @ Jan 29, 2015 -> 06:43 PM) BB% / K% / ISO / BABIP A 5.2 % 22.7 % .136 .329 B 5.3 % 21.6 % .170 .291 A .272 / .314 / .408 / wOBA .316 wRC+ 97 B .254 / .298 / .424 / wOBA .315 wRC+ 95 Which one is Avi and which is Viciedo? The funny thing is you can also take Garcia's three partial seasons so far, and it compares to Magglios first season.

Marc Stein ‏@ESPNSteinLine 3m3 minutes ago ESPN sources say Jimmy Butler has been selected as a Eastern Conference All-Star reserve

Scout.com gives the White Sox 3 in the top 100 also. 13. Rodon 84. Anderson 87. Micah Johnson http://mlb.scout.com/a.z?s=243&p=9&amp...=88&yr=2015

Mark Lazerus ‏@MarkLazerus 15h15 hours ago Asked Crawford if he was interfered with on tying goal: "I’m not going to talk about that because I’m probably going to get f***ing fined."