@RedWavePress now try delaying them a year before they start school and THEN letting them repeat 8th grade.. oh and have them be a September-October birthday so they are already on the older side of their class.. what would we call this?
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Josh Christensen
279 posts
Josh Christensen
@JoshJDMBA
Tech investor currently focused (almost) exclusively on Artificial Intelligence and Machine Learning startups. Director at @MercatoPartners
Salt Lake City Katılım Mayıs 2022
245 Takip Edilen103 Takipçiler
SHOCKING: A growing number of middle school athletes — mostly boys — are intentionally repeating 8th grade to delay their start in high school, giving themselves another full year to get bigger, stronger, and faster, which in turn dramatically boosts their chances at elite high school spots, college scholarships, and massive NIL deals potentially worth millions.
William La Jeunesse: “Of 8M high school students in sports only 7% will play in college.”
“On the other hand, the [likely] number one pick in this year’s NBA draft, [AJ Dybantsa], did 8th grade twice.”
CRAZY IDEA: How about we let more kids be kids!
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@trev__nelson @ByuSome Entry level job shouldn’t be buying a median house…
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@JoshJDMBA @ByuSome Even if median salary really is 106k, that’s far from what most entry level jobs are paying, many jobs right out of college are hiring for 45k-60k. The real problem is over leveraging in a market that has significantly outpaced wage growth.
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K, let me give you a scenario.
Someone makes smart financial decisions. They graduate debt-free and have a used car paid off. Their salary is $70,000 in Utah County, which is above average.
Person wants to get a $500,000 townhome (average) in Utah County.
Down payment to avoid PMI: $100,000
Mortgage payment w/o PMI: $3,000/month
Their take home yearly is $53,080 after the government robs you. Doesn't include retirement or benefits. Subtract tithing, and that's $47,772, or $3,981/month.
Even after they somehow manage to save $100,000 for a down payment, just after housing cost, they're left with $981/month. That's for benefits, clothes, retirement, utilities, EVERYTHING.
Just to save $100,00 for that down payment will take nearly a decade.
This is why Gen Z is doomed. I don't disagree with hard work ethic, budgeting, etc., but the math isn't mathing for them to be successful. I agree they can do the best they can, but it SUCKS for them. And no, your situation if you weren't Gen Z was different.
I bought my first house for $169,000 on 4%, lol. I rented out the rooms to my buddies to pay my mortgage for me. I sold it 5 years later for $450,000 with it almost paid off. There is no entry level $169,000 houses for Gen Z to make and do that. Their cheap end is $400,000.
Some.BYU.Dude@ByuSome
I absolutely agree that Gen Z is eating out too much and gets DoorDash at horribly high rates (statistically true), but none of it matters when housing is astronomical 🤷🏼♂️ Boomers are often so out of touch. You know the average mortgage payment in 1972 for the average house with the average interest rate? $151.37. You know what it was in 2023? $2,330.40. The average person buying the average home with the average income in 1972 spent 18.7% of their income on their mortgage and needed 54% of their yearly income for a 20% down payment. The same for 2023 is 49% of their income and 134% of their yearly income for a 20% down payment. But sure... eating out and avocado toast or something. I'm 36. My wife and mine's retirement is set and our house will be paid off in a few years. I worked really hard to get us this life. It's largely due to the fact that I bought a house before housing was stupid. I feel for Gen Z and everyone after them. While yes, they eat out too much, that isn't the reason they are poor. They're poor because housing is completely unaffordable due to no fault of their own.
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@IndeedSupport @Indeed Paying employer locked out since May 15 after a routine email change. Verification submitted 4x in 10 days, still no access. I’m actively trying to hire and can’t get into my account. Please escalate to a human who can manually clear the verification.
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Median townhome in Utah County is $425,000.. so buying $500K and saying average is more Gen Z behavior..
Median Salary is $106K in Utah County, not $70K ...
Just do LPMI, its adds 0.25% to your rate and you only have to put down 5% .. then refinance in 3 years and it likely is gone ..
So now, after taxes and accounting for most common deductions the $106K is $7250 take home per month. Even if you take into account a 10% charitable donation it is $6550 per month
So with a 5% down payment and LPMI of 0.25% baked into the 30 year loan, the monthly payment with taxes and insurance is $3,010. Leaving them with $3,540 in their budget..
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I have written my first book! A passion project of almost 10 years, Runnin' Down a Dream aims to give people both the motivation & the methods for thriving in a career they actually love. Put a lot of heart and soul into this - hope you ❤️ it. Pre-order: a.co/d/5APYleb
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This is why 64GB of RAM is $1000
x.com/shitpost_2049/…
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“On the this episode of Silicon Valley:
Jack Barker and Gavin Belson refuse to hold hands at an AI summit
the North Korean Soverign Wealth fund buys a stake in Pied Pier through a secondary market.
Gilfoyle exploits prediction markets by manipulating Dinesh into streaking at the superbowl
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We need a ‘Silicon Valley’ reboot ASAP. This is absolute cinema
Exec Sum@exec_sum
NEWS: Sam Altman (OpenAI) and Dario Amodei (Anthropic) refuse to hold hands at the India AI Impact Summit.
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Filling Up Our Great Salt Lake Fun Fact: The amount of water the State of Utah acquired in the U.S. Magnesium purchase is equivalent to all the water in Deer Creek Reservoir. @govcox @UtahDEQ @utahsenate & House. 💧🌧️💧
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@teddyferrin @Snowbird @snowbirds @AltaSkiArea I'm glad my heckling finally led us to agree on something
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@JoshJDMBA @Snowbird @snowbirds @AltaSkiArea Touché. Snowbird terrain is undefeated. The mountain has never been less enjoyable. Especially on a powder day, which sadly, we don’t have to worry about this year. Agreed.
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I agree. Which is why this should be @Snowbird’s next great ad.
Brian Sallee@BSbriansallee
Finally had the opportunity to ski @AltaSkiArea. The trail map does not represent the resort well. As a new skier (I'm a snowboarder learning to ski) I was pretty nervous after looking at the trail map. Even the blues looked intimidating. But I got there and was blown away. The terrain was pretty chill, very flowy, and playful. Nothing like the trail map makes it look.
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I’m not sure if the rest of the big 12 understands this is 11 minutes from the BYU campus.
imagine leaving 2 p.m. calculus to go ski then watch the no. 1 overall draft pick hoop.
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@xmayeth If he never puts more than $1 on any position how did he have a trade that went from $120 -> $4,000?
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The Trader Who Turned $100 into $4,923 by Betting on Temperature
He has 2,068 predictions with $19,839 in total winnings, and almost all of his profit come from weather markets.
His profile: @neobrother?via=maycrypto" target="_blank" rel="nofollow noopener">polymarket.com/@neobrother?vi…
This trader basically treats Prediction Markets like a daily weather station, placing small, precise bets that almost never miss.
His strategy is stupidly simple:
> Buys YES only 5–15¢
> Buys NO at 40–55¢
> Never risks >$1 per position
> Cycles through dozens of micro-weather markets every day
That’s how he turned weather markets into a nearly 100% win-rate machine.
His best hits show exactly how crazy weather markets can be:
> $119 → $4,923 (+4,033%)
> $109→ $949 (+769%)
> $33 → $536 (+1,499%)
> $4 → $499 (+12,035%)
Do you think weather markets stay this mispriced forever?
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@WasatchSnow Careful, it’s solitude, they’ll just pile snow up around it if they see this post.
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This large boulder, the size of a small boulder, is going to be my official storm snow stake at Solitude. We shall check back tomorrow to see how much snow piles up around it.
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Hey @Kalshi thanks a lot for not submitting my prop bet for Kyle Whittingham going to Michigan when his name wasn’t on the slip yet… I tried to buy $200 at less than 1%…,
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@theficouple invest it and take out a second mortgage and invest that too
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Let’s say you have $130,000 in the bank.
But you also have a $130,000 mortgage at 3.8%.
Would you invest your money in the stock market or pay off the house?
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@brandonkumar Yes, all my friends that are doctors use OpenEvidence and most of my friends that are lawyers use Harvey. You might need smarter friends
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Has anyone actually met a doctor who uses OpenEvidence or a lawyer who uses Harvey? Both of these companies have raised obscene amounts of money yet none of my friends who are MDs/JDs have touched them. Want to know if these products are vaporware or if my friends are just incompetent.
The Information@theinformation
OpenEvidence is on track to become one of only eight AI application developers with a valuation over $10 billion and annualized revenue exceeding $100 million. Read the details: thein.fo/3Ypa2ON
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It’s just a fancy way of saying Utah took out a loan. They’re now a debtor school. #desperation
Dave Young@cf__davey
🚨 BREAKING!!! 🚨 Wow!!! The Utes just made the biggest power move in college athletics. New structure. New investment. New era. UTES going all in and showing the rest of the country who’s the NEW KING! 👑
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Anchorage has a football stadium about the size of most high school stadiums. They don’t receive any more snow than many cities in the continental US. 9-20” per year. The biggest difficulty is light, but the stadium has lighting. TV crews seems to be the biggest hurdle, but even then the sun is out from 10-4 today, which is 2-8pm ET which is prime time for a game. It’s not even that cold there by comparison to many US cities
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@JoshJDMBA @windyinthe509 @RedditCFB I would love to see someone try to make a CFB game work in Alaskan December.
yes I am clinically insane
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Vanderbilt is not allowed to play a 13th game that’s not a conference championship.
Unless it’s in Hawai’i. If Vandy and Miami/Utah/whoever else wants in pay the Rainbow Warriors to host them late Saturday night they’re actually totally in the clear.
Pete Thamel@PeteThamel
Ultimately, the operational and legislative requirements along with last-minute scheduling constraints could not support the game.
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