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Financial advice from Grandpa Mike

God damn, I thought you were talking about me till I opened the thread!

no snakes!

Mike
It said "Financial advice," not fishing advice. ;)
However, I don't want to you to feel left out, so what do I use for smallmouth in April?
 
It said "Financial advice," not fishing advice. ;)
However, I don't want to you to feel left out, so what do I use for smallmouth in April?
Small spinner bait, underspin with a swim bait, 1/8 swim jig head w/6th Sense divine 3.3 in white, an itsy bitsy jig in black and blue with a like coloredtrailer, and if they are spawning…..a wacky rigged senko in white.

whew!

That’s what would be on my boat deck.

Z
 
Small spinner bait, underspin with a swim bait, 1/8 swim jig head w/6th Sense divine 3.3 in white, an itsy bitsy jig in black and blue with a like coloredtrailer, and if they are spawning…..a wacky rigged senko in white.

whew!

That’s what would be on my boat deck.

Z
Wow, that's great ! Thank you!
Much more fun to read than financial advice.
 
It said "Financial advice," not fishing advice. ;)
However, I don't want to you to feel left out, so what do I use for smallmouth in April?
Where I'm at, first start by drilling hole through 3' of ice, hopefully near a smallie spawning area, and jig a minnow or leech. And just remember if asked, you're fishing for crappies right now.
 
This might be an unpopular opinion, but I cringe every time I see a college athlete posting ads on their social media. I’m not used to the NIL bs just yet.

I get that times they are a changing in college sports, but when I see this it all seems far less than appealing. Everyone whores out for the all mighty dollar, and I guess now that they are able to get paid they should be no different.

when I think of a college athlete I see them as holding onto the last thread of wanting to still play the games and sports they loved when they were children. It wasn’t a business, it was their last stand, before real life happened. That’s what it was for me every time I took the mat. I’d suffer through the practices that never seemed to end and the nagging injuries that never went away because I knew there would be an end point. There was no going “pro” after I lost my last match.

For all sports outside of basketball and football that was still true until NIL. Now all athletes are a brand, no matter the sport. Don’t get me wrong, I don’t begrudge the athletes for making financial gains, I just don’t like the times.
 
This might be an unpopular opinion, but I cringe every time I see a college athlete posting ads on their social media. I’m not used to the NIL bs just yet.

I get that times they are a changing in college sports, but when I see this it all seems far less than appealing. Everyone whores out for the all mighty dollar, and I guess now that they are able to get paid they should be no different.

when I think of a college athlete I see them as holding onto the last thread of wanting to still play the games and sports they loved when they were children. It wasn’t a business, it was their last stand, before real life happened. That’s what it was for me every time I took the mat. I’d suffer through the practices that never seemed to end and the nagging injuries that never went away because I knew there would be an end point. There was no going “pro” after I lost my last match.

For all sports outside of basketball and football that was still true until NIL. Now all athletes are a brand, no matter the sport. Don’t get me wrong, I don’t begrudge the athletes for making financial gains, I just don’t like the times.
One of the reasons I love D3 athletics is that in that division, there are thousands of talented kids who are competing for that exact reason. And there is no less commitment or passion than there is in D1. Just my two cents to encourage everyone here to support their local smaller teams as well. Go Knights
 
One of the reasons I love D3 athletics is that in that division, there are thousands of talented kids who are competing for that exact reason. And there is no less commitment or passion than there is in D1. Just my two cents to encourage everyone here to support their local smaller teams as well. Go Knights
I moved from Waverly (just North of Janesville) when we came to Texas!

Z
 
This might be an unpopular opinion, but I cringe every time I see a college athlete posting ads on their social media. I’m not used to the NIL bs just yet.

I get that times they are a changing in college sports, but when I see this it all seems far less than appealing. Everyone whores out for the all mighty dollar, and I guess now that they are able to get paid they should be no different.

when I think of a college athlete I see them as holding onto the last thread of wanting to still play the games and sports they loved when they were children. It wasn’t a business, it was their last stand, before real life happened. That’s what it was for me every time I took the mat. I’d suffer through the practices that never seemed to end and the nagging injuries that never went away because I knew there would be an end point. There was no going “pro” after I lost my last match.

For all sports outside of basketball and football that was still true until NIL. Now all athletes are a brand, no matter the sport. Don’t get me wrong, I don’t begrudge the athletes for making financial gains, I just don’t like the times.
Can't disagree. Things have changed.
 
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This guy is still too young to advise because he hasn't even graduated from college yet. In my opinion, financial advice should be given by real professionals with knowledge in investment management. To date, the Internet is full of similar videos, but tell me, did they help anyone? I doubt it! I have been investing in cryptocurrency for 2 years, but I am still searching for new information. I must say that the economic market is constantly changing, and yesterday's advice may not be relevant today.
 
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This guy is still too young to advise because he hasn't even graduated from college yet. In my opinion, financial advice should be given by real professionals with knowledge in investment management.

5154774.jpg
 
This guy is still too young to advise because he hasn't even graduated from college yet. In my opinion, financial advice should be given by real professionals with knowledge in investment management.

I do believe he has a master's degree (finance) which should qualify him to give a shout out for financial literacy month and recommend excel for budgeting...that and pushing the Midwest Banking app. This is all he did in the video you didn't watch.
 
I do believe he has a master's degree (finance) which should qualify him to give a shout out for financial literacy month and recommend excel for budgeting...that and pushing the Midwest Banking app. This is all he did in the video you didn't watch.

Now if @Bedivir would have said that they don't trust someone with a live snake hanging around their neck, I would agree 100%.

indiana-jones-snakes.gif
 
This might be an unpopular opinion, but I cringe every time I see a college athlete posting ads on their social media. I’m not used to the NIL bs just yet...
...Don’t get me wrong, I don’t begrudge the athletes for making financial gains, I just don’t like the times.

...no one's to blame, so let me try to explain. Things change.
 
Small spinner bait, underspin with a swim bait, 1/8 swim jig head w/6th Sense divine 3.3 in white, an itsy bitsy jig in black and blue with a like coloredtrailer, and if they are spawning…..a wacky rigged senko in white.

whew!

That’s what would be on my boat deck.

Z
Would a little white Mr Twister from my misspent youth work?
 
Sometimes changes aren't always for the better....
Same concept, maybe try a little different approach…

come gather round people…
you better start swimmin’, or you’ll sink like a stone
for the times, they are a changin’


Dylan 1963
 
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Adults earning fair market wage isn’t for the better. Commies have taken over this country :(
NCAA football/basketball and wrestling NILs are two different worlds, but let's talk about football for now. Free school, books, room, etc, quite often do not meet the same admission guidelines as a nonathlete student. They are given the best nutrition, training facilities for all aspects of the sport, trainers, strength and agility coaches and tutors to help keep them eligible. All at no monetary expense for them or their parents. Most are there in hopes of signing a million, dollar NFL contract and some will get a college degree along the way, but many will not. Why do they need to be paid while they are amateur athletes getting everything for free while getting the best training in the world??
 
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NCAA football/basketball and wrestling NILs are two different worlds, but let's talk about football for now. Free school, books, room, etc, quite often do not meet the same admission guidelines as a nonathlete student. They are given the best nutrition, training facilities for all aspects of the sport, trainers, strength and agility coaches and tutors to help keep them eligible. All at no monetary expense for them or their parents. Most are there in hopes of signing a million, dollar NFL contract and some will get a college degree along the way, but many will not. Why do they need to be paid while they are amateur athletes getting everything for free while getting the best training in the world??

so you believe there should be a wage cap at the cost of higher education. Got it.

i believe in free markets. You don’t. That’s okay. There is room for all of us.
 
NCAA football/basketball and wrestling NILs are two different worlds, but let's talk about football for now. Free school, books, room, etc, quite often do not meet the same admission guidelines as a nonathlete student. They are given the best nutrition, training facilities for all aspects of the sport, trainers, strength and agility coaches and tutors to help keep them eligible. All at no monetary expense for them or their parents. Most are there in hopes of signing a million, dollar NFL contract and some will get a college degree along the way, but many will not. Why do they need to be paid while they are amateur athletes getting everything for free while getting the best training in the world??

Why should NCAA and its member institutions get free labor?
 
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so you believe there should be a wage cap at the cost of higher education. Got it.

i believe in free markets. You don’t. That’s okay. There is room for all of us.
Not even close to what I'm saying and you know it. Getting a free education, living, food, strength & agility training, in top of the line facilities with a whole lot of other perks and be able to showcase their talents on national television isn't enough???
 
NCAA football/basketball and wrestling NILs are two different worlds, but let's talk about football for now. Free school, books, room, etc, quite often do not meet the same admission guidelines as a nonathlete student...

...Why do they need to be paid while they are amateur athletes getting everything for free while getting the best training in the world??
So, NCAA football, and basketball, in practice, are Communism. And NCAA wrestling et al, in theory, are Marxism. Well, that's intriguing logic.
 
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So, NCAA football, and basketball, in practice, are Communism. And NCAA wrestling et al, in theory, are Marxism. Well, that's intriguing logic
You're too cool for you own good...
My opinion is different than yours, but it appears you are the comrade that doesn't want anyone thinking differently than you or even take the time to honestly think about what I'm saying.
 
they are forced to go to college, where multi-million dollar career could end before they have a chance at those millions.
 
You're too cool for you own good...
My opinion is different than yours, but it appears you are the comrade that doesn't want anyone thinking differently than you or even take the time to honestly think about what I'm saying.
touché
 
...no one's to blame, so let me try to explain. Things change.
And who was I blaming in your mind? I even wrote that I don’t begrudge the athletes for choosing this route to make money. It’s an option available to them.

My post was simply to reflect the point that I cringe a little every time I see a collegiate athlete post a sponsorship add. I also mentioned that times are changing.

Nil in general, looks like a slippery slope that just got oiled up and greased a bit more. I saw an article last week mentioning a Miami basketball player that was going to transfer if his NiL deal didn’t get increased. Things like that are what make me cringe. That said, Kem’s paid add for a bank and what the Miami player is doing are two different things, but when a collegiate athlete starts prioritizing money over institution I think it becomes an issue. It’s no longer college athletics.
 
And what about wear and tear on athletes’ bodies?
Oh. Trust me. i'm on the athletes deserve to make money side. It's an obtuse argument to say that athletes should just be happy with "free education" - when there are literal billions of dollars being made off of what they do OUTSIDE of that education.
 
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But you understand it's not the colleges that are "forcing" them to attend, correct?
One problem. It's a virtual monopoly. NFL has no "minor league" system and the NBA is only taking a few athletes prior to them being eligible for the draft.
 
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One problem. It's a virtual monopoly. NFL has no "minor league" system and the NBA is only taking a few athletes prior to them being eligible for the draft.
But that's not the fault of the colleges and/or the NCAA. Do you think it would be better if the opportunity to play college sports did not exist at all? How about they all just try out (interview) just like every other person entering the work force has to do? The number of athletes who end up being professionals is miniscule and to revamp the system to benefit those few is asinine.
 
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Do you think it would be better if the opportunity to play college sports did not exist at all?
No.
How about they all just try out (interview) just like every other person entering the work force has to do?
I never played intercollegiate sports, and I also never "interviewed" for a job (just filled out applications) before or while attending university as an undergraduate. I only interviewed when I was about to graduate. I think that'd be fairly typical of most my age, so I don't really understand your point.
The number of athletes who end up being professionals is miniscule and to revamp the system to benefit those few is asinine.
NILs can benefit student athletes beyond the superstar destine for the pros. The average professional athletes has a relatively short athletic career. Even those lucky few who make big money for a few early years aren't be in any great financial position to cover years 30 to 86. I say let them earn all they can during their short-lived prime.
 
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