The CFP is Completely Messed Up

I don't know about you, but I'm sick and tired of seeing the same eight teams in College Football knocking at the door to make the College Football playoff. It is just simply unfair that other teams like undefeated UCF out of the playoff.

The College Football committee has created a formula where the most popular schools get into the playoff. Hec, Alabama didn't even win their division last year and still got in.

I guess using Alabama is a bad example because they were one of the four best teams but I still can't figure out why they don't put more emphasis on winning their division. For instance, Wisconsin

seemed penalized for losing a Big 10 Title game last year after running the table and going 12-0.

If the Big 10 was ten teams would they have got snubbed? That would have been a very hard thing to imagine.

In the short infancy of the four team playoff format, we have witnessed that losing one game doesn't hurt your chances. Ohio State in 2014, Washington in 2016 and Alabama in 2017. If this is the case, there is no incentive to schedule tough games as Washington got in with a loss at home to USC one year with no key non conference wins.

If this is going to be the case, why play tough teams in Non conference. Ohio State will still get into the CFP this year if they win out this year despite a loss to below average Purdue.

If Michigan had played a bad non conference schedule this year they would be undefeated and ranked 4th in the country. So yet again, Michigan hurts themselves for playing a tough schedule.

SOS should matter but not if you can't even win your own division. UCF has no shot at the CFP despite the Nations longest winning streak.

The four best records should get in. SOS should be the tie breaker if records are equal cause if Wisconsin was an Independent school they would have had a undefeated season.

A conference loss should be worse than a Non conference loss to encourage high profile games in early September.

Also, conferences should be capped at 10 teams to avoid what happened last year.

The CFP Final 4 if the season ended today should be:

1. Alabama
2. Clemson
3. Notre Dame
4. UCF

Missed Cut:
5. Michigan
6. Oklahoma

Things get interesting if LSU beats Alabama this week on CBS.

My Sports Teams Are in a Slump

I hate things that I can't control and between 2010-2015 things were difficult for me. I was starting to feel that I was being left out among my peer group. Along with that, my patience was hard to come by and I took it out on my sports teams.

The Green Bay Packers won the Super Bowl in 2010 but I didn't really enjoy it. Luckily, I was a Packers fan because my Dad is so I didn't want to be a die-hard Packers fan because I got talked too when I got upset after a loss but their was no one to tell my Dad to smile after a loss.

At one point, me and my Dad shared the Packers and Mariners. We have different teams for hockey and he is still a NBA orphan from when our Vancouver Grizzles moved.

Sports our weird like that, I can't imagine the Memphis Grizzles ever winning a NBA Championship. The Seattle Mariners have the longest playoff drought in North American sports but their day will likely come in the next 15 years.

For me, cheering for different teams relaxes me. Mets, Suns, Canucks and Seahawks. I was lucky to win a Championship when my mental health was under control in February 2014. I had my Mets get to the World Series in 2015, I was starting to feel spoiled.

Now, I haven't see a playoff game since January 2017 and I'm struggling. It goes in cycles I guess but I do wonder what it's like being a Mariners fan right now. If I had never changed any of my teams, I  would have had Grizzlies, Mariners, Canucks and Packers.

The sky is higher for those teams but with my current teams there is a higher floor which is not always a good thing.

Glad I'm taking care of my mental health but there are days I could have done that by just moving away and starting fresh.

I have 79 days left until I start fresh and I'm looking forward to it.

Rules of Life for Your Money

I just read that student debt is increasing and that more and more adults are still living with their parents. Living with your parents is great as long as their is boundaries. By the time a kid is 21 the parent shouldn't have any input on what the kid does or where they move. The kid has to figure that stuff out on his own eventually.

There should be some rules that follow between Parent and kid rules.

1. Kids over 21 should move out once they hit a net-worth of 10,000.

2. If the city where there parents are in has a rental market that is too high the kid should be able to move without parent complaints.

3. Parents should stop buying groceries for kids after 18 if net worth is over 10K.

4. Family visits should happen on special events or on long weekends. Every week is too often unless there is grandchildren involved.

5. Parents need to stop pointing out the obvious. It makes the kid look dumb.

6. Advice is allowed only when the kid is on the brink of homelessness.

I don't know why kids want to live with their parents. Yes, its comfortable but it's not the answer. For instance, cost of living is lower in most countries outside of the USA and Canada. How about travel to developing countries and live there. Make money by teaching ESL and writing a book about your experience.

Lots of ways to make money while being frugal but anyone in there 20's doesn't want to do it.

I'm lucky enough to have some wiggle room but it's almost uncomfortable for other reasons. I have grown my net-worth every year but this year has been harder due to 2-3 complications. I'm starting to realize that if it goes down in 2018.

Here are your benchmarks how much you should have by age:

Some of the things about the graph are self explanatory. I started at 21 because most people stay in college for a few years. I don't start at $0 at 21 because your allowed to work while going to school and some kids have something called Grandparent money for a Grad present and so on.

 As you get older, you can save more, buy a house and get promotions. This all can lead to appreciation. A good time to retire is 58 and by my math you'll have 26,000 to spend per year. (Pensions and landlord money and this can be increased.)

	21	5,000
	22	7,000
	23	9,000
	24	11,000
	25	13,000
	26	15,000
	27	17,000
	28	19,000
	29	21,000
	30	23,000
	31	25,000
	32	30,000
	33	35,000
	34	40,000
	35	50,000
	36	60,000
	37	70,000
	38	90,000
	39	110,000
	40	130,000
	41	150,000
	42	180,000
	43	210,000
	44	250,000
	45	290,000
	46	340,000
	47	390,000
	48	440,000
	49	490,000
	50	550,000
	51	610,000
	52	670,000
	53	730,000
	54	790,000
	55	850,000
	56	910,000
	57	970,000
	58	1,100,000
	59	1,073,810
	60	1,047,620
	61	1,021,430
	62	995,240
	63	969,050
	64	942,860
	65	916,670
	66	890,480
	67	864,290
	68	838,100
	69	811,910
	70	785,720
	71	759,530
	72	733,340
	73	707,150
	74	680,960
	75	654,770
	76	628,580
	77	602,390
	78	576,200
	79	550,010
	80	523,820
	81	497,630
	82	471,440
	83	445,250
	84	419,060
	85	392,870
	86	366,680
	87	340,490
	88	314,300
	89	288,110
	90	261,920
	91	235,730
	92	209,540
	93	183,350
	94	157,160
	95	130,970
	96	104,780
	97	78,590
	98	52,400
	99	26,210
	100	20

Week 7 in the NFL

One thing about having the Sunday Ticket is the awesomeness to watch every game you want. There are certain stadiums I enjoy watching games in and that kinda determines what game I watch in what window.

My predicted teams that will win are in are in bold. 

Sun, Oct 21 9:30AM CBS Tennessee Titans3-3 Los Angeles Chargers4-2

6% 94%

Sun, Oct 21 1:00PM CBS

Preview

Buffalo Bills2-4 Indianapolis Colts1-5

25% 75%

Sun, Oct 21 1:00PM CBS

Preview

New England Patriots4-2 Chicago Bears3-2

82% 18%

Sun, Oct 21 1:00PM FOX

Preview

Cleveland Browns2-3-1 Tampa Bay Buccaneers2-3

38% 62%

Sun, Oct 21 1:00PM FOX

Preview

Detroit Lions2-3 Miami Dolphins4-2

33% 67%

Sun, Oct 21 1:00PM FOX

Preview

Minnesota Vikings3-2-1 New York Jets3-3

85% 15%

Sun, Oct 21 1:00PM FOX

Preview

Carolina Panthers3-2 Philadelphia Eagles3-3

20% 80%

Sun, Oct 21 1:00PM CBS

Preview

Houston Texans3-3 Jacksonville Jaguars3-3

23% 77%

Sun, Oct 21 4:05PM FOX

Preview

New Orleans Saints4-1 Baltimore Ravens4-2

71% 29%

Sun, Oct 21 4:25PM CBS

Preview

Dallas Cowboys3-3 Washington Redskins3-2

42% 58%

Sun, Oct 21 4:25PM CBS

Preview

Los Angeles Rams6-0 San Francisco 49ers1-5

97% 3%

Sun, Oct 21 8:20PM NBC

Preview

Cincinnati Bengals4-2 Kansas City Chiefs5-1

6% 94%

Mon, Oct 22 8:15PM ESPN

Preview

New York Giants1-5 Atlanta Falcons2-4

7% 93%

13/14 picks made

2018-19 NBA Predictions

Conference Standings 

Eastern Conference # Team W L PCT GB GP 1 c – Boston Celtics  61 21 – 82 2 x – Philadelphia 76ers 56 26 5 82 3 x – Toronto Raptors  54 28 13 82 4 y – Milwaukee Bucks  50 32 11 82 5 x – Miami Heat  47 35 14 82 6 y – Washington Wizards  46 36 15.0 82 7 x – Detroit Pistons  42 40 19 82 8 x – Indiana Pacers  41 41 20 82 9 Cleveland Cavaliers  40 42 21 82 10 New York Knicks  38 44 23.0 82 11 Charlotte Hornets 35 47 26 82 12 Orlando Magic  30 52 31.0 82 13 Brooklyn Nets  25 57 36 82 14 Chicago Bulls  20 62 41 82 15 Atlanta Hawks 18 64 43 82 Eastern Conference Quarterfinals             Western Conference Quarter Finals  Boston over Indiana 4-1                                       Golden State over Denver 4-2 Philadelphia over Detroit 4-0                                 Houston over Minnesota 4-1 Toronto over Washington 4-1                                 LA Lakers over San Antonio 4-3 Milwaukee over Miami 4-3                                New Orleans over Oklahoma City 4-1 Eastern Conference Semi Finals                      Western Conference Semi Finals Boston over Milwaukee 4-2                                 Golden State over New Orleans 4-1 Toronto over Philadelphia 4-3                               LA Lakers over Houston 4-3 Eastern Conference Final                                     Western Conference Final  Boston over Toronto 4-1                                         Golden State over LA Lakers 4-1 NBA Finals  Golden State over Boston 4-2

Western Conference # Team W L PCT GB GP 1 z – Golden State Warriors * 62 20 – 82 2 y – Houston Rockets  57 25 5 82 3 y – Los Angeles Lakers  49 33 13 82 4 x – New Orleans Pelicans  47 35 15 82 5 x – Oklahoma City Thunder  45 37 17.0 82 6 x – San Antonio Spurs  44 38 18 82 7 x – Minnesota Timberwolves  43 39 19 82 8 x – Denver Nuggets  42 40 20 82 9 Portland Trail Blazers  40 42 21 82 10 Utah Jazz  40 42 21 82 11 Phoenix Suns  33 49 28 82 12 Memphis Grizzlies  30 52 31 82 13 Los Angeles Clippers  23 59 38 82 14 Dallas Mavericks  22 60 39 82 15 Sacramento Kings  21 61 40 82

Oregon is Back!!!

The Oregon Ducks football team is back!1 We defeated a Top 10 team and a Pac 12 Divisional rival that has put Oregon in a position that if they win out, they have a slight shot of being in the CFP.

All Oregon needs to do is win out and have Washington beat Stanford later in the season. If that happens, Oregon will win the North and play for the Pac 12 Championship.

Right now, you could argue that Oregon football has never been higher. 2008-2014 were great years for Oregon but the next great era might have arrived with Mario Cristobal. With the #3 recruiting currently for Oregon, this could be something really special.

Has the balance of power shifted? I desperately want to say yes but I also know that Washington isn't going away either. For now, Oregon is climbing. I really hope Mario Cristobal says at Oregon for a long time. He is a proven recruiter and that should help keep Oregon relevant for a long time.

The win feels like a program changer. A loss would have gave UW that big brother feel that the Ducks didn't need. What makes things tricky is the unbalanced schedule of conference play in the Pac 12 that makes comparing records super hard within the conference.

Lets enjoy the win and enjoy the rest of the year. If we can return to our dominance of 2008-2014, Ducks football is going to be fun again.

7Washington

5-2, 3-1 Conf

27

Final/OT

	1	2	3	4	OT	T
WASH	10	7	7	0	3	27
ORE	10	7	7	0	6	30

30

17Oregon

Really hope Oregon makes a run at this conference title. If we want to get greedy we might be able to win conference titles in Football and basketball and that would be special. 

My Stock Portfolio

Happy Canadian Thanksgiving everyone. Today I reflect on a lot. I currently don't work but have over 50,000 in my net worth . I have Cerebal Palsy so working a 9-5 job isn't realistic despite being 100% independent.  I don't really know what I want to do with my life. I'm currently living in Penticton British Columbia however I'm not sure how long I want to live here for.

I'm lucky that I was able to dip into the stock market when I was a young adult and have seen some gains over the last handful of years. There are a few things that have me concerned unfortunately.

1. I feel we have reached the end of this golden era of stock growth, I fear a stock market crash is coming soon and I don't want to lose my gains.

2. I have Pot stocks that have earned me a bit of money but I'm not sure what to do after October 17th.

3. Stocks vs money towards a down payment for an apartment?

I've really struggled with these three questions the last 6 months. I don't know what to do. Any help would be greatly appreciated.

ATT	800	$0.19	$0.17	-$0.02	$151.75	$136.00	-$15.75	-10.40%
NRTH	700	$0.71	$0.67	-$0.04	$497.75	$469.00	-$28.75	-5.80%
GENE	600	$1.47	$1.37	-$0.10	$882.52	$820.80	-$61.72	-7.00%
BNS	284	$39.57	$75.27	$35.70	$3,300.00	$21,450.00	$18,150.00	650.00%
MJ	250	$0.71	$0.65	-$0.06	$177.75	$162.50	-$15.25	-8.60%
BGM	240	$0.61	$0.37	-$0.24	$145.55	$88.80	-$56.75	-39.00%
NVCN	229	$3.32	$3.10	-$0.22	$761.16	$709.90	-$51.26	-6.70%
CJR.B	100	$3.79	$4.39	$0.60	$378.75	$439.00	$60.25	15.90%
JE	100	$4.03	$4.03	$0.00	$402.75	$403.00	$0.25	0.10%
OGI	75	$7.46	$7.39	-$0.07	$559.75	$554.25	-$5.50	-1.00%
ACB	30	$9.78	$12.81	$3.03	$293.45	$384.30	$90.85	31.00%
DIS	15	$25.75	$115.44	$89.31	$500.22	$2,243.00	$1,742.78	448.00%
Cash					$262.97	$262.97
					$8,314.37	$28,123.52

As you can see with the table above, I have put 8,314 in the stock market and have currently 28,123 in my portfolio. I don't want to lose the gains and I also want to free up some money for if there's a crash I put money on stocks that are under valued when the stock market comes out of the crash. 

Bank of Nova Scotia is the best stock I have but grows at a slow rate. Disney does well for me but that's the stock I have the least amount of shares in. The others are all smaller but have a chance at going up with time. 

I will pay someone commission if we can work on my portfolio together. Just really at a crossroads with this stuff. 

Thanks guys!