The one good thing that might come out of this season is Herbert finally learning to become an anticipation thrower

The one good thing that might come out of this season is Herbert finally learning to become an anticipation thrower

This quote from an ESPN article stood out to me:

"Herbert said one of the biggest differences in McDaniel's offense is the stress on anticipation, and he is learning not to always rely on his arm strength. 'We really emphasized the first couple of weeks of just getting the ball out as quick as possible,' he said. 'Almost getting to a point where the receivers haven't looked back for it yet.'"

Herbert has always been a classic "see it, throw it" quarterback instead of an anticipation guy like Brady, Manning, or Brees. I feel like throughout his career he's overly relied on his crazy arm strength. Because his arm is a cannon, he never really had to master the mental processing and precise mechanical timing to compensate for a lack of physical traits.

The learning curve might be rough this year, but I'm really hoping he can add anticipation throwing to his game and start putting some actual touch on the ball instead of trying to rocket a 95 mph missile to his receivers on every single play.

espn.com
u/Global-Thought-1049 — 10 days ago
▲ 360 r/Culturestream+1 crossposts

[OC] Over the last decade the top fifth of US households gained $1,649 a month in money left after housing, food, transportation, healthcare and insurance. The bottom fifth lost $132.

I pulled the BLS Consumer Expenditure Survey figures on what US households actually have left after five categories of spending: food at home, housing, transportation, healthcare, and personal insurance and pensions.

Over the decade to 2023, in constant dollars, the top fifth gained $1,649 a month. The bottom fifth lost $132.

The second image is the same decade in percent, which is the fairer comparison in most contexts and changes what stands out. The biggest gain belongs to the second-poorest fifth at +30.0%, and it works out to $40 a month.

Two things before anyone asks. "Essential" here is a spending category, not a test of necessity, so a bigger mortgage counts in full and so does a nicer car. And this series is volatile year to year, so a ten-year comparison is a fair summary rather than a trend line.

Sources, construction and the caveats that matter are in my first comment.

u/Global-Thought-1049 — 2 months ago
▲ 0 r/PFtools+2 crossposts

Is there a budget app that tells you what's safe to spend based on your account balance, and expected income and bills?

I know my checking account balance isn't what I can spend because I need to keep some money in there to pay bills and my credit cards. But there's no easy way to know exactly how much I can actually spend from the balance in my checking account. What makes it even harder is that some months I get paid only twice and other months I get paid three times, so I need to keep a certain amount in my checking account for the two-paycheck months, so I have enough for the monthly bills. Is there an app that solves this problem and just tells me every week one consistent number of what I can actually spend beyond all my bills?

reddit.com
u/Global-Thought-1049 — 2 months ago

[OC] Share of U.S. households that carry a credit card balance month-to-month, by age of household head

What the chart shows: the % of U.S. households who self-report they "sometimes" or "hardly ever" pay their credit card balance in full each month, broken out by age of the household head.

Two terms, since they come up a lot:

  • Revolver = household carrying a balance month-to-month and paying interest on it. About 32% of U.S. households (~43 million homes).
  • Transactor = household paying in full nearly every month. The majority — about 58%.
u/Global-Thought-1049 — 5 months ago

At age 65–74, the top 10% of US households have $3,005,220 in net worth and the bottom 10% have $4,896.

The gap doesn't grow proportionally with age. It widens almost 8x from $379K (under 35) to $3M (65–74).

u/Global-Thought-1049 — 6 months ago