GAAP requires that HTM securities be written down once you lose the "intent and ability" to actually hold to maturity.
Since FRC clearly didn't have that ability there isn't really anything unrealized about these losses. They would have needed to be AFS or trading securities at the next reporting date and the losses recognized in either OCI or net income.
Furthermore, once HTM status is lost the bank actually would need to recognize gains in accordance with either AFS or TS classification, so that isn't really something weird or novel.
I havent experienced this. Everyone seems to get a long better and are more professional, or at least we don't notice when they're not.
I have memories of working in offices where you turn a corner to catch people whispering and side eyeing or the passive-aggressive or outright aggressive notes about kitchen dos and don'ts, and I can't forget the shit you'd get for not attending at least every other afterwork social function
iTs NoT aBoUt ThE mOnEy!
iTs a rEfERaL liNk tHoUgH XD
>TsLa iS a TeCh CoMpAnY
Ok bro. Sure it is.
"BuT ThATs PrICe FiXiNg AnD tHaTs iLLeGal"
iTs DiFfErEnT ThIs TiMe...need that clown makeup meme with signature, svb, first republic, and the other 2 collapses
Where are those little sh*ts talking shit on how, stupid it was take a bearish stance on frc going into the close?
Indexes goes down 0.04% Bears: iTs hApPenInG, hErE cOmEs tHe dUmp!
Tell me your puts are desperate without telling me
There’s a technical issue and a legal issue.
Technical issue. Yes, it is easy to just repoint the domain to the buyer’s registrar and the emails will stay with you - nothing other than “new traffic” will go to the buyer and the buyer won’t have access to the history.
Legal issue. Your purchase agreement covers this. Many times the agreement will have a catch all phrase like you’re transferring “all relevant business records” which might be read to include historical email correspondence with customers and that kind of thing. This would typically allow you to only transfer the business email and not the personal email. In this case, I would still recommend only transferring the domain to their registrar, and then specifically creating a file with the emails you proactively intend to transfer to them. However, exactly which emails you have to transfer, or not, will be governed by the specific T’s and C’s of your purchase contract, so you probably need to talk to your lawyer about that.
> The world isn’t going to adopt Bitcoin as it’s store of value. Imagine someone kidnapping Biden’s cousin or something and forcing the keys to the entire US treasury out of him?
How is this different than forcing him for any other store of value?
You realize you can have keys that require multiple people?
Do you also realize that once regulated and part of the traditional finance system it will work just like any other means of money?
> It’s so dumb. It’s uninsurable, you can’t recover it
This is just a dumb comment that has zero bearing on anything. Lots of investments are not insurable. And as evidenced by the frauds people do get something back. Not to mention you can buy it in traditional investment vehicles. If anything this is a reason to buy; it means its early still.
> over half the population is not tech savvy enough to manage it safely
despite what the psuedo crypto anarchists tell you, it will all be regulated and big banks will hold it like normal accounts. Plus, bitcoin is not hard at all to manage. you pay $200 for a hardware wallet and sign up to an exchange like anything else. Again this is another reason to buy, early still. Look at an internet adoption chart (or any new tech adoption chart) and you will see the same curve.
> and the exchanges all leverage coins they don’t own and inevitably collapse at the slightest value drop or withdraw run.
this is true but has no bearing on BTC (and eth maybe). Tha'ts like saying you wont hold USD because some cartels use it for drugs or banks are shady.
BTC and to a lesser extent ETH are the only valid cryptos though. The rest, while not all being PnD, are going no where.
TBH you just seem uneducated and salty. The fact you have been alive to see how tech has shaped the world yet you still just want to chalk it up to being a ponzi is some crazy mental gymnastics by a low iq pour
Bulls getting. Shafted after the bell. AMZN 110/103 PuTS
Bulls don't recognise a bull trap. Sell now, idu0ts.
iTs A tRaDeRs MaRkEt
I've been deep in TQQQ for a few months. I thought about getting SQQQ and just playing volatility since that seems to be the way things are going. Overall, I'm bullish, so I was going to do a 3:1 ratio of T:S. But also, I am dumb and would probably manage to fuck that up.
iTs A mOvEmEnT!!!! Aka Baggie cope
Why won’t tiktok and YouTube shorts push my videos
Sometimes I think it’s all rigged and only people who know how to make b-o-ts can get views
Mark Zuckerberg laughs at your Loss P0rn and raises you a Metaverse (a leveraged to the t¡ts business plan that is worth 30billion times your net worth)
Bers instantly cucked by the Zuck. Love their copium "iTs aLreAday fAdIng" meta goes from +10% to +9.50%. Your puts are dead, even if it went flat🤡🤡🤡
Lol microsoft will never shut their market out to the br*ts yall tweaking.
t’s funny how the House Republicans are investigating the Biden admin for “weaponizing government” for political purposes when they’re the ones actually doing it. Totally agree with Disney here:
“Walt Disney Co. sued Florida Gov. Ron DeSantis on Wednesday, alleging the Republican governor has waged a “relentless campaign to weaponize government power” against the company.
The federal lawsuit alleges that a campaign to punish Disney over its political views was “orchestrated at every step” by DeSantis and now threatens the company’s business.”
People love to rail about “censorship” but it’s only a 1A violation when government is doing the censoring. This is clearly a 1A violation and I suspect Disney will prevail in their lawsuit.
I'ts in takedown mode, expect more blood.
I had friends calling me an idiot for not investing in BoBBY at $20.00 “iTs mY ReTiReMenT mOnEy”
I’ll include past CEOs too.
Good CEOs: Steve Jobs, Bill Gates, Jeff Bezos, Eric Schmidt, Tim Cook, Jensen Huang, Lisa Su, Jamie Dimon, Bob Iger, Gordon Moore (rip), Charles Schwab, Rodney Sacks, Herb Kelleher (rip)
Bad CEOs: Intel’s previous 2 CEOs, AT&T’s previous CEO, Boeing’s previous CEO, Southwest’s previous CEO, Bob Chapek, Jack Welsh, Steve Ballmer
I use a 25% trailing stop so I don’t sit on losers or take big losses. I do have some forever holdings in some emerging markets that have jaw dropping volatility. The playbook has been buy those on the dip.
I use a 4% asset allocation with a 25% trailing stop. If one position hits the t.s. I only risk losing 1% of my portfolio. I sleep like a big fat baby.
So what should one look at while buying a business. I run a company IT Services and was making a high level checklist and could come up with just a few
- Paying customers ( repeat business customers)
- Culture - People working in teams
- Some level of business process
- Independent marketing and sales team ( good to have)
- Verifiable expenses
- Attrition is the same as industry or below
- Reason for management exit for reasons should not be like demand of skill set is diminishing
If I may ask are there some generally followed rules/dos and don'ts?
ThTs what Im converting all my paychecks into. Physical silver and literal barrels of oil
I can't stand Elon but the future of EVs isn't based on having the best quality. It's going to be establishing high volume, efficient manufacturing logistics in a package people like. Every game changer in the auto industry has been exactly that. Model A/Ts, VW Beetles, 1964.5 Mustang, etc. Going down to 2 wheels, the Honda Cub is bigger than a Vespa ever will be.
Beetles were the butt of jokes but still outsold the non-joke cars all day for decades.
Hahahaha i'ts so amusing to see the subreddit today, it's just total chaos regarding FRC. We love to see it.
iTs gOiNg dOwN u gUyS i bOuGhT pUts 🤡🤡🤡
I have been waiting for said turnaround for 15 years, it’s AT&T’s whole story. Prob not even with dividends. It’s probably not a good investment.
Source: I’ve held AT&T for 15 yrs.
Would love to know why you have that opinion? They have unused funding from the government of 70 billion to prevent a run, and that quelled fears quickly stopping the supposed run. If earnings come in above the estimate it would suggest not as many T’s were sold as thought.
Seriously their sub is such a clown show right now. "iTs NoT OvEr", "DaDdY CoHen wIlL sAvE uS"
Reddit's sensors accused me of being racist, spreading hate speech....touchy touchy. It's not racist to call out reality for what it is. L"%iberaals and d$%^hemocr%ts protecting their own kind...they own all media and platforms, so it has to be their way
Crazy people can sometimes be good customers is SOOO TRUE in every business.
The only down-side is the extra mental and emotional work you’ll have to put in.
I would recommend looking at your books and determine whether you have all the documentation you need to save yourself from a legal battle if things get heated.
I would also ask that you consider whether you have the headspace to deal with being micromanaged and if you even have the personality to not burn out halfway through the contract.
We are in Mercury retrograde so whether you believe in that or not is all up to you, but make sure all i’s are dotted and all t’s are crossed on your paperwork.
Everything is written and signed off on or it didn’t happen.
iTs gOnNa cRaSh bRo tRusT mE
It's like when you know you gonna puke... It's on its way... It's gonna happen... But you don'ts know when!
good luck tryna trade ts, today belongs to cash & theta gang
AT&T’s revenue and earnings slipped in the first quarter from a year earlier, but the real news was a slowdown in subscriber growth for its postpaid phone plans.
Overall, AT&T (ticker: T) reported earnings of 60 cents per share after stripping out certain one-off expenses, slightly higher than the 58 cents predicted. Revenue of $30.1 billion was slightly lower than expectations of $30.2 billion.
Yeah, got some Ts that I was supposed to rollover today. . . errr. . . yesterday. This curve freaked me out and I'm up way late with no idea WTF to do.
Yup blacks (other minorities too) are doing fantastically. They actually have higher employment rates than whites for the first time in history whereas historically they've always lagged behind.
Low income workers are doing great.
Despite my reputation and what people think of me, I honest-to-God 100% believe that Jerome Powell is a virtuous and honorable man. Despite being a lifelong Republican, he's demonstrated nothing but an unbiased and common sense approach to governing the Fed.
People who say pOWeLl wAnTs uS uNeMpLoYeD are unhinged. I strongly suggest they watch long interviews where he lays out his thoughts in a more casual setting like the Rubinstein interview in Feb.
If he fails and people lose jobs anyway, he 100% tried and arguably is one of, if not already the most pro-labor chair in history based on what he's delivered in terms of unemployment levels and creating a more equitable labor force.
Short sighted bumbling dmfk: “heHeHeh, iTS jUst a SmalL drOp, I lovE mY iNvEsTmEnts haViNg big sWwiNgSs”. Look at the bigger picture, their margins are going down, they’re having multiple price cuts a year and the competition is putting out better products. Their FSD is a gimmick that keeps being stuck and all the other “areas” they have are underdeveloped or are a TBD pipe dream like the cybertruck
Short sighted idiot: “heHeHeh, iTS jUst a SmalL drOp, I lovE mY iNvEsTmEnts haViNg big sWwiNgSs”. Look at the bigger picture, their margins are going down, they’re having multiple price cuts a year and the competition is putting out better products. Their FSD is a dumb gimmick and all the other “areas” they have are underdeveloped as fuck or are a pipe dream ñile the cybertruck
Trading food up is fun if you're doing just a skip bid not during Football season.
My guess is your boy got 6 months on a non violent crime.
He had do sit down for 50% of his time and TS'd his ass home.
True bidders max out, probation is for pussys.
>iTs A BuLL mArKeT
This is the 5th time we’ve rallied from 3800 to 4200 (or higher) and bulls called it a bull market every time 😂
iTs ThE sAmE pAtTeRn EvErYdAy
At this point i'm sure when a company get big enough they have an in built TS Department. "TwatSwatter"
I mean that fact is pretty easy to disprove with a quick Google search. The car sales well but it's not the most popular, but the fucking Camry still exists my man.
Regarded but only if Gs are actually Ts
And a few years after Ford wrote that, the company began losing market share to rivals putting out higher-end cars instead of tired Model Ts.
By just explaining do's and don'ts while they handled bills. Plus they made my take a financial literacy class in high school.
But iTs nOT a cAr cOMpOnY
I thought the general consensus was “iTs nOT a KaR ComPAnY”
Line 29343 and 29344 of the table. 7.5% for 15-24yo in 2022 and 4% for 25-29yo in 2022.
“The strategy of Tesla is to enter at the high end of the market, where customers are prepared to pay a premium, and then drive down market as fast as possible to higher unit volume and lower prices with each successive model.” - Tesla 2006 bUt LeTs dIsReGaRd aLl Of ThIs
Money Guy just did a video on this. The answer is lifestyle creep. Some people just can't handle money no matter how much they make. It burns a hole in their pocket.
Its PLEASURE !!
Pleasure motivates people to work and tolerate pain/ sufferings/ sh!ts
Money gives Pleasure in form of new house, new car, food, and sex
(Remember : Human chase Pleasure and Avoid Pain)
The reason why people want LOTS of money is because they want to CONSUME more and more in life
More Food More Sex More Shelters More Health
That thought has crossed my mind more than once and I’ve always concluded I don’t want to risk it. Prison does not sound appealing. Even if I don’t do time, seeing all my profits disappear to fines doesn’t sound like fun either.
Ideally I’d like to be able to work a few months out of the year, and travel for the rest. This makes the ‘5 vans per year’ plan sound the most appealing. Spend 5-6 months building vans, and travel for the rest of the year. I’m just trying to cross all my T’s and get all the input I can before I commit to it. And possibly see if anyone has any other ideas I’m not considering.
In my area Culver’s is stealing their customers. ThTs a good burger way more options and still a drive thru
TS/SCI here. You saying nuclear tells me it’s probably a Q.
Do not lie. Never lie on an 86/interview/poly.
If/when you are found out, kiss the clearance goodbye.
Also see r/securityclearance
That’s why. You read the fine print. T’s and C’s are important when it comes to $’s.
If you pick it up for 2 minutes a day you will improve fast. I have this app on ipad Songsterr, free and super clean for tabs
You should go youtube and learn the very basics like how to hold guitar and your thumb on the neck and stuff, basic pentatonic and major scales and run up and down them for warmups and finger conditioning
I saw another tab app that had a built in thing that looked exactly like tic tok but it was users uploading themselves playing the tabs, sometimes that can help pick things up too
I had a TS clearance once… the shit I could tell you..
1)Yes, I tie all my fans to the light switch. AND, don't use one of those builder grade fans that sound like a 747 taking off. They move very little air. Use a bigger, quieter, high CFM fan. One that'll keep the mirror clear through a shower. And vent it properly.
2)Correct; bleach actually promotes mold growth since it's mostly water. The good, readily available product for effectively killing mold is ordinary hydrogen peroxide.
Also OP, create a mold addendum to your lease containing does and don'ts and have your residents sign it at the lease up. It sets the expectation that they're now informed enough to take care of mold if it happens.
>Do banks really let you get a mortgage on a place in Florida without flood insurance???
and not being able to afford the mortgage in the first place....iTs DiFfErEnT ThIs TiMe
“iTs ChEaPeR tO rEnT”
Slap the next idiot that tells you this. No, it is not cheaper to piss money away and walk away with nothing than to own property.
Don'ts: open a food truck
I can’t wait for California to hit the 70s again so I can start wearing booty shorts and string Ts to the gym
I used to come here all the time a few years ago. Sad what the mods have done. I'm sure a lot of it is reddit itself, but regardless the mods here are re^(t)a^(r)ded ga^(y) ^(c)u^(n)ts
I honestly don't even know what I'm allowed to say here anymore without using fucking exponents.
Me I got P00ts
I think sometimes the Gs and Ts don’t always see eye to eye.
i want to kill all onlyfans tho(ugh)ts on twitter
Leveraged to the t¡ts
This post is hilarious, your timing is hilarious, like so fucking funny. Watch what happens here
SoMeOnE hAs PuTs
So sick of you idiot loser bulls saying fucking regarded garbage like this, I think you're all fucking idiots
this song goes hard in the ghetto of oklahoma https://www.youtube.com/watch?v=6FDA29qTsQc
Yea, still. Unless it’s my kids, wife etc. s&$ts gotta be a burden after awhile. It’s cool to go out with them as friends to a bar n shit but living in the same place? Uhhh 😬 no bueno
Congratulations!!! Nothing worse (besides family of course) then being in somebody’s face, who is not a stranger, (even though he’s a roommate) but kinda is a stranger/friend, and lives in your place where you constantly bump into them. S$&ts gotta be so fn annoying I can imagine
When renting there isnt the risk of big financial outlays for repair, maintenance etc. There have been a few threads already of people needing to replace HVAC units and getting quotes of $15k. When you rent tha'ts not a worry.
The entire charging station idea is dumb as fuck.
I'm not going to sit in some glorified gas station/cafe for 40 mins to charge my car.
Vast majority of renters will not be able to charge their car. As a landlord, you think I'm going to invest $10,000 in a charging station for a renter that likely cannot afford an EV? Renters that live in apartments are at an even bigger disadvantage than those renting a SFH. Power cords going across the side walk to their car 200 yard away from an outlet. Please - what a stupid idea.
Federal, state, local gov'ts installing stations? Ok - we all know how gov't spending and unions work. The tax payer will be paying $1,000,000 per charging station that will not be functional 50% of the time. Let's not discuss the repair/maintenance costs b/c people fuck the stations up.
The only possibility is for the gov't to regulate a standard battery that all EVs MUST use. When you are out of juice, you pull into a 'battery changing station' and have the batteries swapped. As a secondary, sure people can have charging stations in their garage, or businesses can have them in company parking, they can be at national parks, whatever. But those will never be able to function as the primary 'refueling' point.
> Keep in mind, the fed prefers Core CPI (all items less food and energy).
>iTs HaRdEr tO TrAcK
Yea, it also happens to be fundamentally what people require to exist and not start cutting heads off.
Write back and ask to validate the debt under the FDCPA and the address of AT&T’s general counsel to send a notice of claim against AT&T for fraud and violations of the FDCPA. Also, look into any frivolous litigation statues and tell them any claim would be frivolous and beyond the statute of limitations.
China has a culture where the only investable asset is real estate. Among major nations, they print the most money by far (i.e. inject it into the financial system), and it ALL goes to RE. China has some of the most batshit insane price-to-income ratios in the world
They are definitely overseas. They know how the American check and banking system works and take advantage of it.
https://youtu.be/j8bhgfqTs38 is a pretty informative video of the inner workings.
Nah worse. A TS lesbian
For those for whom “The Villages” is a hard no, check out this article about the Margaritaville counterpart. I don’t even particularly like Jimmy Buffett (I had to look up if it’s two t’s or one) but even I kinda wanted to check it out by the end of this article.
Right, I'm part of that crowd. But whenever I dare to suggest real estate as a path to financial independence on any of those subs, I'm downvoted to oblivion and hit with the usual "iTs jUst a 2Nd fUlL tImE jOb" and "hAvE fUn fIxInG tOiLeTs aT 2aM" or whatever other farfetched scenarios they've concocted to shit on real estate to make themselves feel better about having lost out on quite possibly the best path to wealth generation over the past decade.
iTs DifFErENT DiS tIMe
I was doing Trailing Stops a while back - was testing out today to respond back to you.
Yes, you could do Trailing Stops for Spreads (I tried both SPX and XSP in ToS Mobile & it does allow).
*TS: Trailing Stop
*STO: Sell to Open
*BTC: Buy to Close
Also now I remember, in order to do TS below set price, you have to do conditional order. Similar to this : Execute if the Price is whatever condition (could be Option price or the Stock price). Because you don't know what price it will open, when you setup close trade with TS, you don't mention the Option_price instead just the Trailing Price in terms of $$ or %. It may well be over your Sell price so TS will close out at loss.
Example: STO $2.50, lets say next day opens at $3.50 goes up to $5.00 and then goes down all the way to lets say 50c, when, you put TS for BTC with $0.20 Trail, then after the price goes over $3.70, will Close (buy) at $3.70 not giving you opportunity to wait. To avoid that, I typically enter the Conditional trade, TS trade will be same, but add condition, "if the (Opt_Price) <= $2.00 " then trigger TS trade. In which case, the worst price will be $2.20 and best will be $0.70 (depending on how choppy the options price move around that day).
basically you can set this trade as soon as you open prev day and not have to watch during next day open, maybe 2 hrs before close if it did not close favorable, then close manually or let is run thru max loss. Not difficult, but one would need practice to set correctly. ToS offers paper trade, so you can practice in parallel to see how favorable it closes.
STDs bro. ThTs the cost of having sex 😏
Get It in Writing When making a loan to friends or family, having a paper trail can help you avoid misunderstandings. Drawing up a loan contract that you and the borrower agree to and sign makes it clear what your responsibilities are, and it gives you grounds for legal recourse if you end up needing to sue them later to get your money back.
At a minimum, your loan contract should include:
Your name and the borrower’s name The date the loan was granted The amount of money being lent Minimum monthly payment Payment due date Interest rate, if you’re charging interest Consequences for defaulting on the loan For larger loan amounts, it may be wise to have an attorney draw up a contract for you. You may also want to talk to a tax professional if you plan to charge interest on the loan.
If you plan to charge interest, it must be at a minimum rate in accordance with Applicable Federal Rates (AFR) rulings. 3 For loans over $10,000, interest is considered taxable income. Even if you don’t charge interest, you may still have to report the money as a gift if it isn’t repaid.
US-Ts are marketable security so they would likely still be tradable for cash, albite at a discount. Wouldn't be great but not world ending.
Promised myself I wouldn’t stir up shit in r/golf, but those dudes are asking for it.
They hate me because I can drive straight and don’t have to ask permission to buy shit.
They hated my balls the most.
The probability that US-Ts go to zero is literally zero, barring sci-fi movie apocolyptic nuclear wars, alien invasions, multiple asteroid strikes, various flavors of zombie apocolyps.... If they can't raise the debt ceiling, what would happen next is the treasury would announce that there will be a delay in paying out maturing US-Ts.
I used to work in timeshare (sorry) as a quality assurance officer for several years. Most timeshare companies, i.e. the big name brands like Marriott, Wyndham, Hilton, etc., offer programs to let people return their timeshares back to the developer (the company) if the loan/mortgage is paid in full and the maintenance fees are up to date. Your dad should give the company a call and ask if he can he do that and listen to what they have to say. For most TS companies, they make their money off the loans, not the maintenance fees. Also, if your father has major health issues where he can prove he can’t travel, then that could provide an even stronger justification to accept him running the timeshare.
Call and ask the company.
With what company does he own the timeshare?
ok, I guess I'll be regarded and throw down into FRC. LeTs SqUeEzE sOmE ShOrTs!1
WhaTs a stock?