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Sexytime in the Office!

2015.04.13 19:30 ladychronica Sexytime in the Office!

All things to do with you favorite naughty secretary!

2010.02.02 14:53 Yasoos Canada Shopping, Deals, Sales, Bargains

Good deals online for Canadians

2015.11.04 12:52 XorixNC Canadian Deals

I place for frugal Canadians to find a bargain!

2023.03.21 21:42 BagInternational4574 22 [M4F] #London England/anywhere (Single)- Trying something new and seeing what happens!

A little about me: 22 years old, 5’10 and in good shape. Half English and Greek with Mediterranean features.
I work in a remote sales job which I really like.
You can find me working out, playing video games or listening to some music.
I have a good sense of humour and often make dad jokes well beyond my years!
I’ve had a few girlfriends around my age, but I’ve always wanted to meet an older woman which I haven’t done until now (I’m currently single)
I’m looking for something without too much pressure and expectation, but if we’re a good fit for each other then I’m open to it becoming something longer term.
Hope to hear from you!
submitted by BagInternational4574 to CougarsandCubsMatch [link] [comments]

2023.03.21 21:36 EpilepticPudding Already own 1 and 2, is there really no way to avoid paying for them again?

Saw WoA was $40 in the Steam sale, but I can't justify paying that much for a two year old game when I already own 1 and 2 and played the first three missions of 3 via Game Pass... there really should've been a way to discount it for existing owners of 1 and 2, like many other bundles on Steam do when you already own some content.
Is there any remaining way to buy/subscribe to play only 3, or should I just wait till the game is far more deeply discounted a few years from now? Don't necessarily care about carrying over my unlocks from the first two games.
submitted by EpilepticPudding to HiTMAN [link] [comments]

2023.03.21 21:34 His-Holiness No negotiate all offers option anymore? Haven't had the option for any offer this career even when they are all marked as negotiable - anyone know what's happening?

No negotiate all offers option anymore? Haven't had the option for any offer this career even when they are all marked as negotiable - anyone know what's happening? submitted by His-Holiness to footballmanagergames [link] [comments]

2023.03.21 21:34 therustycarr MMCC meeting today - are they ready for legalization?

MMCC had a meeting today (first since December)
Key takeaways:
Will T said the new cannabis legislation repeals all of the old medical statutes. This would mean high allotment folks will have possession limits reduced on 7/1 to 120 grams flowe36concentrate.
There are new reports available: patient survey, baseline study. I also found the home grow study. Lots to discuss. Links in next post due to spam filter.
MMCC is ready for legalization including plans for getting the regulations done by 7/1 (again implying sales would start on 7/1) and doing consumer awareness ahead of time.

Will Tilburg reported:
total patients in the 160K range
new patient and caregiver applications being turned around in a couple of days
card printing has caught up, now just at 2 week delay.
a bunch of new jobs have been posted (including a social media director), first candidates start onboarding in a couple weeks.
IT has new "dashboard" project in the works

Dawn Berkowitz (Deputy Director) reported:
1) patient survey results are in. 13K patients responded. A lot more patients are daily users than I would have suspected. Some other surprising numbers. Link coming (Reddit filters thread starters with doc links)
2) baseline study has been completed. I was in the middle of this one already - it's 74 pages. It's worth a read.
3) education campaign - MMCC is planning a consumer awareness campaign for legalization including web, tv and social media efforts. They are also developing materials for dispensaries and planning a website upgrade.

Andrew Garrison (Policy Director) reported: He has a team working with legislators and gave the commission a much shorter version of what I already bore you to death with. He did report working through the weekend for crossover day frenzy in the legislature.
The rest of the meeting was approving transfers, relocations and granting a 6 month extension on pending licenses. Did you know Herbiculture wants a grow and process license?
submitted by therustycarr to MDEnts [link] [comments]

2023.03.21 21:30 GMidboss Cyberfox Autoelevate - Time for an alternative

The old company gets purchased and run into the ground. The product itself is fine, until it breaks and have found yourself for 12 straight days spam calling and emailing.
In 12 days of easily 10 calls a day, their phones have only ONCE been answered, and of course that was the sales line.
Leaving a voicemail for the support team sees you ignored.
Email tickets - ignored. Although interestingly enough the first response on the ticket where the technician made a change was quick, however once you make them aware the change broke every tenant you have in there..... Crickets.
The sales person seemed helpful, bumped your ticket, for you to then get a generic response asking if we have "Installed the agent correctly". Point them to the existing ticket which has all the info..... Crickets.
They can still spam you from the marketing email a few times a week though.
Sad times after being one of the first clients on Autoelevate, the time has come. What else are people using?
submitted by GMidboss to msp [link] [comments]

2023.03.21 21:29 slightlyassholic [The Great Erectus and Faun] 404 Universe Not Found Pt. 3

Something's missing. People (and entities) are starting to notice.
First Previous
Far across the multiverse in a tavern that, depending on one’s point of view, may or may not have actually existed, Zeb, Petunia, Bethany, Bergamot, Cleve, and Zilandrial sat at a large wooden table.
“Thank you, Shauna,” Bergamot said as a buxom woman in a low-cut peasant dress filled their mugs with a “magic” pitcher of beer that never ran dry. “You don’t have to serve us, you know.”
“Oh, I know,” Shauna replied brightly, “but I am a barmaid. Besides, I am not giving up my magic pitcher!” she added with a laugh. “The next batch of stew should be out in a second.”
“If it is as good as this bread…” Cleve said, holding up a thick, floppy piece of flatbread.
“Better!” Shauna exclaimed. “The pantry keeps filling back up with the best stuff! It’s almost a shame to make stew out of it, but the “fancy” chef went to the “fancy” place. We just figured out the roaster thingy, so we’ll be serving roast fowl as soon as the first batch cooks!”
Shauna paused and took a big drink from her pitcher.
“It turns out that you just had to talk to it. Weird… But no weirder than anything else, I suppose. You guys want to wait for the roast fowl?”
“We shouldn’t tary,” Zeb replied, “We don’t know how long this blessed peace will last.”
“Maybe it’s over?” Bethany the Tinker, now reunited with her beloved hat, asked.
“One can hope,” Zeb shrugged as he drank deeply from his tankard, “but I’m not delaying my repast, and neither should you. When you have fiends like Pantsu and F10w3rchy1d in play, things can get much worse than they already are.”
“Worse?!?” Bergamot exclaimed in horror.
Melinda the Stalwart was starting to believe that she should have stayed in bed today.
It was supposed to be her day off! Yeah, things were starting to get “weird,” but with all of those high-rated champions running around up north, it was probably going to get handled pretty quickly… and she was tired of chasing around after their scraps.
Her copper-rated ass was sitting this one out. The fact that everyone had gone gank-crazy just further confirmed that she had the right idea.
So, she decided to head back to the royal city of Raven’s Peak to take advantage of the richer and more powerful adventurers running off to the north, leaving all the armorers, enchanters, alchemists, and publicans in town behind.
It was nice not constantly getting shoved out of the way by stronger champions and ignored by shopkeepers far more interested in their gold than her silver for once.
It started out as such a lovely day, too!
She awoke in a lovely bed at the Blade and Wand, her absolute favorite inn, and a place where it was nearly impossible to get a room without a reservation or a lot more status than she had. There, she enjoyed a wonderful breakfast, at a discounted rate no less, and then went out for a day of crowd-free shopping!
It. Was. Bliss! There were no lines, and all of the storekeepers and craftsmen were all too happy to not only serve her and her meager purse but actually take time to chat!
Then, for lunch, she decided to visit the main branch of the adventurer’s guild, where she had an honest-to-gosh hamburger and fries along with some cider. After that, the plan was to get some training or maybe buy a buff or two…
Well, that was the plan, anyway.
What actually happened was that her wonderful burger, which she could never get under normal circumstances (they were always sold out before a copper-rated nobody could get their coppers taken), was interrupted by the most unholy screams she had ever heard inside or outside a dungeon.
She barely had time to stand before the doors to the guild offices exploded outward, and a demon covered in spikes and flames charged into the main hall.
That looks just like the guildmaster, was about all she had time to think before the fiend was on her.
“What’s happening?!?” Melinda cried in terror as she hurtled through absolutely nothing.
(Shh bby is ok)
“H-hello?” she called.
“W-who are you? What happened to me?”
(Shh bby is ok)
“Am I… Am I dead?!?”
(is ok)
“Oh, it is definitely NOT okay! Who are you, and what the hell happened?”
The bedbug sighed with exasperation as it bounced off an invisible barrier again.
It had taken too long. The soul was starting to wake up.
Before much longer, it would start to get wiggly. It hated it when they began to wiggle.
Not knowing exactly what else to do, it let out a little ping.
It was answered by thousands of its kind! They couldn’t get through either, so they were having a rave! Awesome!
With a happy little (woo!), it zipped off towards the largest concentration of pings dragging an increasingly indignant Melinda the Stalwart along whether she wanted to or not.
“Hahaha!” Tawdry laughed into a prepaid “burner phone” her parents didn’t know about. “I can’t be-lieve you got me fucking grounded, you skank!”
“You’re still grounded?” Claudia snickered, “You diminished that badly?”
“It’s my parents. I managed to talk them down to a week without brain fucking them too hard. Besides, this cell is a lot nicer than the holes you used to stick me in. I’ll just do my time and be done with it. Besides, it will give our friends time to leave town since someone can’t manage to find a freaking truck.”
“First of all, fuck you,” Claudia laughed, “Second of all, thanks for getting that bastard to show up in a park and chase you across all of that nice soft turf. We got a lot of data we didn’t have before.”
“Like what?”
“Like its estimated mass, tire treads, a few lovely material samples where it nailed a park bench while trying to kill you… oh, and confirmation that it actually materializes and dematerializes. We can only assume the little bitch does the same thing. Too bad you couldn’t actually lay hands on her.”
“She was slippery, okay?” Tawdry chuckled.
“Hey,” Claudia said, “before Evika and her party ganked you, did they say anything about whom they were working for, or did they mention a little blonde girl named Petunia… or Pantsu?”
“No, they just said hi and blew my head off. Oh! Stephen did say that David finally confessed to Evika!”
“Took him long enough,” Claudia laughed, “Think he has a chance?”
“I know he has one,” Tawdry replied, “Evika’s gonna drop those drawers any second.”
“Good for her.”
“You said that Robert the Golden Peckerhead got sent back?”
“Yeah, and he is not adjusting well,” Claudia replied, “We have him in a ‘special’ inpatient facility where we are keeping the people with ‘issues’.”
“You got a lot of ‘patients’?”
“Not as many as you would think,” Claudia said, “Not everyone is happy about things, but there is something to be said about not having to sleep with a dagger under your pillow.”
“True that,” Tawdry replied. “High school is a pain, but being able to go out for pizza without an enraged wife (or husband) trying to shank you is nice.”
“Careful,” Claudia laughed, “Enraged spouses here might have a gun. You might want to go easy on the adultery this time around. There is also no magic contraception, and cure disease potions aren’t for sale in every town.”
“Ugh, don’t remind me,” Tawdry groaned. “Doesn’t really matter, though. I might as well be a nun these days.”
“You can’t be diminished that much!”
“I am not into kids, and any man worth screwing isn’t into jailbait. I’m the exact opposite of screwed… Speaking of, you did mention a possible trip to Denmark?”
“Aren’t you grounded?”
“I won’t be next week!”
“And how will you explain your sex tourism to your folks?”
“Let me worry about my folks,” Tawdry replied, “You worry about that plane ticket!”
“I’ll see what I can do,” Claudia replied with a chuckle.
Natasha! Come down for dinner!
“I’ll be right there!” Tawdry yelled.
“I gotta go. It’s taco night…”
Tawdry grinned.
“Speaking of tacos, did you get that camel toe fixed yet?”
“And just when we were even, too!” Claudia laughed. “Your little suggestion has everyone looking at my snatch… including me, and I know it’s bullshit!
“Ha! Is your new fuck toy looking?”
“I have no idea what you are talking about.”
“Detective Martin! I know you have a thing for that whole world-weary crusader vibe. And don’t think I didn’t see you checking out his ass, either.”
“I have the same problem you do,” Claudia sighed, “worse even. The sort of man I like certainly won’t be messing around with a ‘kid’, even if I am ‘legal’.”
“Yeah, you do like them a bit crusty, don’t you? How about finding some rich asshole who is having a mid-life crisis?”
“I will repeat myself. The sort of man I would like isn’t interested… and won’t be for years.”
“Meh. You’re not giving yourself enough credit… and giving them far too much of it.”
“Well, Slaker turned me down cold… goddamn chain of command…”
“No! You tried to give it up to Slaker?”
“Wouldn’t be the first time…”
“No way! I need details, all of them!”
Natasha! Dinner!
“I have to go,” Tawdry said, “but this is not over!”
Vroom? an old Peterbilt truck revved as it sat in a remote corner of a truck stop in the middle of nowhere.
“Still nothing,” the little girl huffed. “How can an entire universe disappear?”
“Let’s hope not,” the girl replied, “Even so, he wouldn’t abandon us!”
“What?” the spirit asked with alarm.
“Oh, it’s nothing,” the little girl replied.
“Doesn’t sound like nothing.”
“Okay,” the little girl replied, “There is a remote chance that our boss has had to… um… cease operations and relocate. It hasn’t happened in a really long time, but it has happened.”
“Does that mean that I’m stuck?!?”
“No, of course not. It just means we might have to wait until we’re collected.”
“He won’t forget us!”
“Hey! Don’t even start talking like that! We’ve done good work for the boss on several worlds. He won’t just discard us!”
“What do you mean, discard?”
“Just watch your anime, weeb,” the little girl snapped. “He hasn’t abandoned us, and he won’t forget us. He’s just… um…”
“I don’t know, alright!” the little girl replied angrily, “I have no idea where those others came from. All I know is that we didn’t squish them.”
“If he had another team, I would know about it!”
“I just would, okay! WE AREN’T GETTING REPLACED!... I’m… I’m going to get some air, maybe a Coke or something.”
The little girl threw open the door to the cab angrily and hopped out.
“Hey!” the spirit yelled, “See if they have any audiobooks!”
We’ve been abandoned… the little girl thought to herself as she prowled the truck stop trying not to panic.
She had to keep it together for Truck-Kun… and their new companion. If she fell apart, Truck-Kun would, too, and who knows what the spirit would do. He was two seconds from making another run for it as it was.
She paused by a rack of dusty old audiobooks on CD. Now that wasn’t something she had seen in a bit.
Thankful for the distraction, she started perusing the titles. Some of them were things she hadn’t already read (or listened to).
She grabbed a few for herself and then started looking for something appropriately nerdy for her new guest.
She might have murdered them in cold blood, but that was no reason not to be a good host.
She was so distracted by her own troubles and the audiobooks that she didn’t notice that she was being followed until the guy’s shadow fell around her.
She then became aware of his oily aura and smiled.
All work and no play…
“Hello, little girl…”
She looked up at him with an innocent expression and doe-like eyes.
Truck-Kun quietly ground his gears as he watched a beat-up RV pull onto the highway.
Vroom, he grumbled as he put himself in gear and started to follow.
“What?” the spirit asked.
About half an hour later, Truck-Kun pulled over next to an RV that was parked on the side of the highway.
The door opened, and the little girl hopped out, holding a paper bag.
Vroom, the truck revved disapprovingly.
“Such a nice man,” the little girl said impishly as she plopped into the driver’s seat, and the truck drove away.
“Are those bloodstains?” the spirit asked as he pointed at the bag.
“What answer would you prefer?” the girl asked as she pulled out a half-filled fifth of vodka and most of a pack of smokes graciously donated by the nice man in the RV (it wasn’t like he was going to be needing them).
“I know I quit,” the girl replied as she put one in her mouth. “Give me a break. My nerves are shot.”
“Yes, shot enough to smoke menthols!”
The little girl lit up and drew heavily on the cigarette, exhaling a lovely smoke ring.
“So, crack a window!”
Vroom! Vroom! Vrooooom!
“You can’t smell, and you know it! So please, cut me some slack. I’ve had a bad day,” she said as she turned up the bottle of vodka like it was Juicy Juice.
“I know you’ve had a bad day, too,” the girl said as she wiped her mouth, “Want me to get you some fuel treatment at the next stop, maybe some starting fluid?”
“Okay, and a new air freshener, maybe some of those fuzzy dice you like? Deal?”
Vroom!… Vroom?
“As a matter of fact,” the little girl said as she pulled out a wad of bills. “the nice man did keep his cash on him.”
Vroom! the truck revved happily.
“Jesus!” Gary Martin, formerly Detective Martin, winced as he looked inside an abandoned old RV the following day.
“Say what you want about her,” Claudia Smythe said as she ate a corn dog. “but she is thorough.”
“We think the girl did this?”
“Matches her MO,” Claudia shrugged as she flicked the corn dog stick aside. “And we have surveillance footage at the truck stop. The asshole was talking to someone small, the cameras didn’t get a good shot of the kid, and eyewitnesses state that he was in the company of his ‘daughter’ when he left.”
“You said this was her MO. She’s done this before?” Gary asked.
“She rolls guys like this for their pocket change. We’re not sure if it’s how they finance their operations or if she just does it for fun, but this is the third one this year.”
A well-dressed and very young man in sunglasses approached the pair.
“Sir Lark,” Claudia said without turning around. “We have an ID on this guy yet?”
“Boris Veetch,” the young man said. “a registered sex offender with an active warrant for skipping out on his parole.”
“Yeah, she likes those,” Claudia shrugged. “Nobody will mourn his passing. He was easily ensnared, and he probably was carrying cash.”
“And she is professional bait,” Gary shrugged. “He was slime, but I’m not sure even he deserved what happened to him, though. What sort of monster would do something like this?”
“You just answered your own question,” Claudia replied, “a monster.”
“If you think this is bad," Lark said as he started photographing the scene, "You should see what a pack of goblins will do if they get the chance."
“Considering what we now know,” Claudia said with a shrug, “this trail is beyond cold. Even if they couldn’t do the whole disappearing act, they could be in any of several states by now. We’ve lost them… again.”
She looked over at Gary.
“Just as well,” she added, “We need to get you processed and briefed… agent.”
She smiled.
“Welcome to the Temporal Protection Agency.”
Deep within the deepest dungeon on Asteria Prime, a monstrous giant of a spider fidgeted uncomfortably.
“H-hello… boss,” it said nervously, “T-to w-what do we owe the honor of your visit?”
Frostie smiled an icy smile that filled the giant spider with horror.
“Oh, I was just in the area and thought I would give my friends here,” she said, indicating The Great Erectus, The Herald, and Cuddles, “a tour.”
“O-of c-course!” Log’Sharingoth LXXXIII stammered as their legs twitched miserably. “W-would you like a guide?”
“That would be lovely,” Frostie smiled. “Where’s Pantsu? I think she and The Big Guy over here would get along famously.”
“S-she isn’t available, boss.”
“Not even for me?”
“I-I apologize,” Log’Sharingoth said nervously, “but she isn’t here right now?”
“Well, where did she go?”
“I-I’m not sure, boss…”
“Okay, how about Nova?”
“S-she’s not here, either.”
Log’Sharingoth made a whining bubbling noise as they shrank away.
“Why don’t you just tell me who is missing and exactly what the fuck is going on?” Frostie said with an angry gleam in her eye.
“…and I don’t know where anyone is!” Log’Sharingoth wailed miserably. “And everything is going wrong, the players almost rioted, and the physics engine threatened to quit! I didn’t know what to doooo!!!
“And at no point did it occur to you to call me?” Frostie asked with a frightening edge to her voice.
Pantsu told me not to!!!
Frostie let out a long-suffering sigh. Of course, the current Log’Sharingoth wouldn’t go against Pantsu. It was horribly unfair to expect otherwise.
“I’m not going to come down on you because of what she did,” Frostie said a bit more gently. “However, since I now clearly know something is amiss, anything you can tell me will be of great value.”
“I-I’m not in trouble?”
“Not from me,” Frostie replied, “and Pantsu won’t be giving you any problems after I’m done with her.”
Frostie paused.
“So, this glitched Pantsu, where is it now?”
“Pantsu had me send it to Tartarus! I’m sorry! But she said to!”
“Sounds like the only sensible thing she’s done thus far,” Frostie replied.
“I didn’t want to, but she told me to do it!”
“Oh, don’t worry,” Frostie shrugged, “sounds like the perfect place for it. Wait. She told you?”
“Yes, Boss!”
“That means you have a line of communications?”
Log’Sharingoth’s multiple eyes all widened with fear.
“Call her and tell her to give me her location… now.”
“Y-yes boss…”
Log’Sharingoth fell silent for a few moments.
“Um… Boss?”
“Let me guess,” Frostie said, “You can’t reach her, can you?”
“No, Boss.”
Fine,” Frostie grumbled. “We do this the hard way. You’ve done a great job, considering everything.”
“I have?” Log’Sharingoth asked hopefully.
“You have,” Frostie said reassuringly. “Keep doing what you’re doing, and I’ll send a crisis response team to help out in the meantime.”
“A… A crisis response team?” Log’Sharingoth asked fearfully.
“You didn’t think you were getting off Scot free, did you?” Frostie laughed as she and her companions disappeared.
“…Ssssshit,” Log’Sharingoth hissed as she stalked off into the shadows.
The hominid looked around at their new surroundings.
Everything was white. The floor was white. The walls were white. The furniture was white…
Even the plants were white…
And everything was spotless.
“Interesting décor,” he said after a few seconds.
“They like to keep things tidy,” Frostie replied as she took a seat on one of the white couches.
“They?” the ape-man asked dubiously as Cuddles slipped one of her tentacles into The Herald’s hand.
He gently gripped it, causing Cuddles to suppress a delighted squeal.
“Playtime is over,” Frostie said in a matter-of-fact tone. “I’m calling in my real operatives.”
“Jesus!” The Great Erectus exclaimed as a spotless white door opened, and a short, slender blue male amphibian-like biped in a white tunic bearing a three-headed dog embroidered with platinum thread walked in.
“You never told me you had… them!
“Oh, you are familiar with their kind?”
“Those little monsters are responsible for the death of entire universes! Every time there is a parallel manifestation of those… monsters… entire galaxies die.”
“They can be a handful,” Frostie said pleasantly, “But I’ve found them incredibly valuable over the years… for that very same reason. These do come from much more reasonable stock from a much more reasonable ancestor... Maybe 'reasonable' is pushing it a little,” Frostie added with a laugh. "Reasonable for one of them, at least."
The blue amphibian smiled pleasantly and blinked his huge amber eyes, their pleasant hue replaced with a whirling madness of color.
“Hello, Hades,” Frostie said with a smile. “It has been quite a while. How have you been?”
“Bored,” Hades replied. “I trust you have come to alleviate that?”
“Most definitely,” Frostie replied. “Awaken the others…”
“…It’s time to hunt.”
submitted by slightlyassholic to HFY [link] [comments]

2023.03.21 21:23 throwawaylurker012 Everything Everywhere All At Once: The Citadel Big 3 and how Citadel’s sphere of influence has its fingers stuck not just in the stock market, but the municipal/bond market and sovereign debt/sovereign debt credit default swaps to dangerous degree

Everything Everywhere All At Once: The Citadel Big 3 and how Citadel’s sphere of influence has its fingers stuck not just in the stock market, but the municipal/bond market and sovereign debt/sovereign debt credit default swaps to dangerous degree
TL;DR: Citadel doesn't just have a major outsized influence in the US stock market via its market making firm/hedge fund, but also a major indirect influence via Headlands (biggest municipal bond trading firm made of 3 ex-Citadel employees), and direct influence on sovereign debt (can decide when sovereign credit default swaps pay out) with its seat on the CDDC (Credit Derivatives Determinations Committee).


Hi y’all. Been some while since have been able to post regularly here, so I’m returning alongside my recent post on FHLB with a bit of a “DD". Partial rush job, so all errors are mine and mine alone (obviously)

0. Sphere of Influence

Over the past 84 years (/s), you lovely apes at Superstonk have been able to fish out many of the finer points of corruption crystallized into pure, unadulterated financial terrorism and financial terrorist-level crime undertaken by Steve Cohen (Point 72), Jeff Yass (Susquehanna), Doug Cifu & Vincent Viola (Virtu), as well as Wolverine Trading, Jane Street, TwoSigma, and more. But, of course, much of it has centered on our Mayo-artist-in-residence and his firm, that of none other but Ken Griffin and Citadel.
One of the biggest finds that has come to light has been the complete and utter bullshit of having (1) a hedge fund and (2) owning a market making firm that most DEFINITELY does not use that non-public information to its benefit? I mean, it would be easy for us to check except that we need 5 swipes to even access that level of inner sanctum at Citadel, which–per DLauer’s words–is more than the fucking Pentagon.

But despite Ken Griffin’s reach into every aspect of the most influential stock market in the world, that is not his ONLY level of his sphere of influence. For we, dear apes, can step back and revisit this idea that Citadel’s power duo (its market making firm and hedge fund) is more like a single part of a Big 3.

1. Meet the Big 3

Citadel’s sphere of influence includes not JUST (1) the stock market business, but directly or indirectly, the (2) U.S. municipal and bond markets, plus (3) the sovereign debt/sovereign debt credit default swap markets.

Yes, you heard that right. Citadel not only has some sufficient level of influence to tank your favorite stock–and, in turn–retirement fund, but can also effectively drive your city into the fucking ground, or even your country.

I’ve written about each of these at length, and wanted to revisit some pieces in the wake of our recent dick twitchings of the coming financial crash.

2. Meet the Municipal Bond Market

Citadel has an indirect grip tickling the taint of the municipal bond market, believe it or not. I first wrote about the municipal bond market here (“Headlands: How ex-Mayo mercenaries copy pasted Citadel’s model in the muni bond market”): https://www.reddit.com/Superstonk/comments/sy6ubj/headlands_how_exmayo_mercenaries_copy_pasted/. For those unfamiliar with municipal bonds, I’ll reiterate what they are and why many push them as a safe investment in most times (with some caution being thrown intermittently due to the collapse of regional banks like FRC and Silicon Valley Bank):


“Municipal bonds (or "munis" for short) help towns/cities raise money for projects like building schools, parks, and fixing highways. Many retail investors--admittedly, on the wealthier side--invest in munis for tax incentives like not paying federal tax on bond returns. In certain cases, certain muni buys also mean no state taxes are paid…Just like what had happened to stocks, the old-school market for buying and selling muni bonds is going electronic. This is mainly done through an ATS, or "alternative trading system" known also as a dark pool. This speeds up the process of buying and selling munis, making it closer to a "house auction".
In the wake of the SVB (Silicon Valley Bank), there have already been rumblings of its effect on the municipal bond market (Bloomberg “Bank Woes Create Bond Bargain in Obscure Corner of Muni Market”):

“Investor concerns over the crises within the financial industry are bleeding into a corner of the $4 trillion municipal-bond market where major investment banks guarantee energy for public utilities….
Spreads have widened on so-called prepaid gas bonds, which government agencies use to purchase long-term supplies of natural gas. Large institutional banks act as facilitators of the transactions, guaranteeing the supply and providing investors tax-exempt exposure to bank credit….

3. San Jose, Revisited

That part about “large institutional banks” acting as facilitators of the transactions is what we saw in part in this post by [redacted].

A commenter spoke about this, and how it wasn’t Wells Fargo in doo doo but the city of San Jose.

“I believe in theses cases it’s not Wells Fargo that has a problem but the city of San José.

„Because presentments are currently processed automatically at DTC, IPAs have the option to refuse to pay (“RTP”) for maturing MMI Obligations to protect against the possibility that an IPA may not be able to fund settlement because it has not received funds from the relevant issuer. „ -> Wells Fargo didn’t receive the money from San José city.
Wells Fargo acts as an issuing agent for the city - the city transfers assets to the trustee and the trustee securitizes the assets and offers the money market securities to investors. The assets generate money (for example a sports arena that was build) and that money goes through the city of San José to the trustee who is managed by Wells Fargo.

Wells Fargo has no liability or influence on the money that comes from the city and is distributed to the investors. If the money doesn’t come or isn’t sufficient, the assets are sold or liquidated and used to pay investors.
Anyway: Wells Fargo acts on behalf of the city and is not responsible they just handle securitization but don’t have any influence on payments or failure/default.”

In this case, we might be seeing one of the first of MANY issues of cities up shit’s creek over this.

4. The Municipal Bond Market Time Bomb

The size of the municipal market is A SHIT TON BIGGER than the corporate bond market, which will already show even more signs of being turbo fucked due to borrowing at low interest rates for years. Here’s the size of the municipal bond market for scale, sans banana:

Unfortunately, just like retirement funds, many muni investors are “buy and hold”: they buy a muni expecting a safe, long-term return with no federal income tax and then, welp, shit hits the fan. The market is heavily illiquid too, meaning if shit needs to move, then you might be fucked. Only about 1% of municipal securities trade any given day, in auctions that often take HOURS:

“Now, the primary method of trading on this doesn't look like the New York Stock Exchange or like Nasdaq. It looks like an auction. It takes about 4 hours. An auction is initiated. Participants who come in can bid on this, and it is a competitive auction that yields a very good price.”

Now to my understanding you can’t short these bonds, but the long time frame means its hard to sell these illiquid assets. Not only that, THERE IS NO NATIONAL NBBO (National Best Bid Offer)...you’re flying blind while this shit happens.

Now if you’re wondering what magnanimous souls are helping municipal bonds be sold or fixed in a timely manner for cities like San Jose, well have I got news for you.

5. Meet Headlands, U.S. Municipal/Bond Market Making Firm…Run by 3 Ex-Citadel Employees

Two months after the sneeze (March 2021), TD Ameritrade bought municipal bond market maker Headlands. Yes, that’s right…an electronic market maker just like Citadel, this time for bonds for cities and towns vs. stocks. Now let’s check the fine fellows that run this:

  • Jason Lehman: Citadel Investment Group, began/ran their global options market making, dipped his dick in Japanese convertible bonds, and managed “Private Investments”
  • Neil Fitzpatrick: Citadel Execution Services COO (Citadel Investment affiliate), ran equities/options. Ex-Knight Capital Group, did Citadel’s OTC and equity shit. Direct Edge board of directors.
  • Matthew Andresen, co-CEO Citadel Derivatives (Citadel Investment affiliate). Previously served on board of directors/committees in the past from International Securities Exchange, Direct Edge, CFTC, Lava Trading (Citi’s electronic trading unit that made LavaFlow)

Of note, Matthew Andresen founded Island, one of the 1st dark pools EVER and 2nd only to “Instinet” (who also got an even bigger wave of funds during the sneeze, info courtesy of Ringing Bells) and was featured heavily in the Scott Patterson book “Dark Pools”.

Ol Matty told us that Headlands is completely automated, and where some muni traders make 75-100 muni bond sales a day (sometimes over the phone), Headlands currently bids on 10,000+ bond auctions a day with its algo. Matty Boi even said if that number ever 10x’d “we wouldn’t notice.” Even more sus, Headlands has been growing its own “holdings” of muni bonds on its books.

6. In Bros We Trust

So remember, this branch of 3 ex-Citadel bros is front and center to the issues already rearing their head. In my previous post, these were just SOME of the already teetering municipal bond issues:

  • Some might have history befall them again: last time the market crashed, Michael Burry’s California went spiraling down to BBB rated for many municipal bonds. California is a special muni case where it generally does well when times are good; much of their revenue is tied to personal income taxes. But when shit goes tits up, it goes tits up.
  • Major projects have tons of debt piling up due to the [March 2020 crash] New Jersey built a giant ass mall–I kid you not--called “The American Dream” over 10+ years that has no sales receipts to cover it in part due to the dropoff in retail buying. As of 2 weeks ago, the mall only had like less than $1000 in the bank to pay off muni debt (“Developer Triple Five Group also sold US$800 million of muni-debt backed by payments they agreed to make to bondholders instead of paying property taxes”)...

  • NYC’s MTA has been getting reamed by both ends. One of the biggest shitstains on its books is that it took out a shit ton of municipal debt and opted to sell $3 billion in bonds to the Fed’s muni lending program to stay afloat
And this issues extends way beyond the U.S.' 50 states...it even affects our territories too.

7. Hurricane

What began this rabbit hole was the one and only welp 0 0 7, who caught wind of some fuckery in the municipal bond market:


In the post, he mentioned how "American Thinker" 's Joseph Lawler mentioned the SEC has been giving fucking STIFF Heismans nonstop (or per [redacted] the ol' Dustin Martin "don't argues" for you Aussie apes!) on FOIA requests (Freedom of Information Act) related to the municipal bond default in Puerto Rico, the BIGGEST bond default in America's history EVER.
It went all the way the way up to a federal court in California where the SEC said "we don't know what you're talking about" when others found they have fucking 2800 pages of documents on it and nearly 270,000(!) emails referencing it referencing a billion dollar Ponzi scheme on the level of fucking Bernie Madoff.
Big banks (Citi, Wells Fargo, BoFa) had their scheme collapse in 2016, potentially bribed senators to kill investigations into it by the DOJ and now the SEC is caught in yet ANOTHER 2 lawsuits saying they fucking aided and abetted this shit.

You see, because this level of municipal bond includes fuckery includes not just cities and towns, but U.S. TERRITORIES. In my post about Hurricane Maria’s effect on Puerto Rico, I talked about how UBS and others loaded up Puerto Rico with debt because of what’s called a “Treasury Put” guarantee that was even called “an exit strategy” for banks (“They describe the "treasury put" as "...the implicit guarantee -- as perceived by investors -- from a government agency to provide support in the event of financial distress by the issuer of Puerto Rican bonds."”).
Puerto Rico’s default was the largest in US history, EVER. And all this the same while guess who was holding the bag? Let’s see what W S O P tells us:

“The reality is that a large percentage of Puerto Rico’s debt is held in tax-free municipal bonds and municipal bond mutual funds, owned not by Wall Street banks or tycoons, but by mom and pop investors seeking tax-free income.”

So once again, whether its retirement funds or municipal bonds, its retail caught holding the bag. And this hasn't changed for years. We’ve seen similar fuckery with bonds for NYC in the 70s, and more recently in the 00s for Detroit.

One astute wrinkle by the name of [redacted] posted this on that original post trying to dig into how it could all be related:

…how the MMLF fund that expanded money/credit to towns/cities started including commercial paper…but also leveraged near the 15 to 1 ratio perhaps under the Net Capital Requirement limit:
[redacted said]: "$500B at 14:1 Leverage? If I'm making the right connection between the flavor of asset, that's just under the 15x Net Capital Requirement limit. Is this all the Fed had/could afford? Or is this all they needed at the time?

8. Don't Bet Against America...Says the Banks and Hedge Funds That Already Did

Commercial Paper? Municipals related? Now where does that sound familiar? Ah, yes…the city of San Jose got its call-out by Wells Fargo over COMMERCIAL PAPER. This comes as the push for ppl into municipal bond markets continues, trying to sell it as a “safe haven” to retail investors. Vanguard just recently launched its first ETF–surprise, its first US-listed ETF in 2 years– for municipal bonds (selling point: “hey everyone it’s tax-exempt! Give us money plz!”) for example:


Many of us can see all of it for what it is. Bullshit. In the wake of the SVB collapse, there is still a strong push that these regional banks–many of which lend to municipalities–will be fine. This “safe haven” theory continues, even as articles try to have them appeal abroad (such as a few days ago, “ ESG Factors of Munis May Attract Non-US Investors” “https://www.marketsmedia.com/esg-factors-of-munis-may-attract-non-us-investors/”)
Even further, one last find is that . I mean it’s not like credit default swaps can be taken on cities and towns in theory right?

FWIW also I found an interesting research paper talking about hedge funds buying up credit default swaps, and how they could potentially bankrupt towns/municipalities through some of these moves if they wanted: https://openyls.law.yale.edu/bitstream/handle/20.500.13051/8264/MingJieWangCreditDefaultS.pdf?sequence=2
"Another potential concern is that even in a market that is generally liquid, the market for individual single-name [Credit default swap]s may be quite small, which could allow a single bad actor (a hedge fund, for example) to force a municipality into default..."


This is all while we have 3 ex-Citadel heads in charge of just how the municipal bond market moves, like that of San Jose.
So is this where Citadel’s reach stops? Clearly, no. It doesn’t stop at the US border, just like how Mayo Force One doesn’t.

10. ELI5: What’s a Soverign Credit Default Swap?

That’s right, mofos. You read that sub-header right. In case you’re wondering, not only can you take out credit default swaps on a failing Swiss bank like CS, but you can do so ON ENTIRE FUCKING COUNTRIES.
In one of my old posts “Sovereign Debts & Ransom Notes: Pt. 1 The Importance of Being Non-Linearly Destabilized through Sovereign Credit Default Swaps”
(“https://www.reddit.com/Superstonk/comments/t35rdi/sovereign_debts_ransom_notes_pt_1_the_importance/”), I talked a little more about the insanity of these things even existing.

Sovereign credit default swaps exist. Long story short: sovereign credit default swaps are insurance policies that if a country defaults (usually on its debt)then you get paid! Like many other shit that we’ve seen in the GME saga, they are a form of financial derivative (a bet that something goes up, a bet that something goes down) on an underlying (the thing you’re betting on)....They can be used to insure government debt for a country in case that country is unable to pay its debt, for example. However, just like other instruments, naked sovereign credit default swaps also exist.

Naked sovereign credit default swaps are used to bet that a country or a country's debt will fail without you owning that country's debt. In part, they were destabilising during the Euro-crisis immediately after the 2008 financial crash. Greece was one of the countries that got naked shorted in 2008. In fact, the country got shorted so bad they were worried about fucking SHORT SQUEEZES on Greek debt and the sovereign CDSs!
In 2012, the EU put a ban on naked sovereign credit default swaps. However, workarounds include the fact that a country can effectively change its mind on it within 24 hours and all the regulatory agency can do is offer an opinion.

There were a tons of perhaps “we will see soon” if relevant additional points in that old research, including:

  • The VIX affects sovereign credit default swaps A LOT

  • The Big Bang Protocol: ISDA helped formulate a set of rules that decides when a country “defaults”
  • You can “short” a sovereign bond if you find a locate (sound familiar?: “Short sales of shares and short sales of sovereign debt will be permitted only where the seller has “located” the share or debt instrument prior to entering into the agreement and has a “reasonable expectation” of being able to borrow the shares.”)

Crazy shit. So you might say, now this post is meant to be about Citadel’s sphere of influence you might say? “Where does Citadel fit into all this? ”

11. Meet the CDDC (Credit Derivatives Determination Committee)...Where Citadel Sit and Helps Decide Which Countries Default on their Debt

One of the biggest GFC 2008 scenarios of sovereign credit default swaps being misused was against Greece. Afterwards, one of its biggest cases of misuse was by Elliot Management (ran by Paul Singer) who was using their position on the Credit Derivatives Determination Committee, or CDDC, to help decide when their sovereign credit default swaps against Argentina would pay out.
Wait, Eliot Management doesn’t sound big enough. Who else is on this committee?

Oh wait, so Citadel is ALSO on this committee? Alongside our favorite fucksticks like Chase, Goldman, Deutsche, and BNP?

It’s not lost on me with seeing now that Credit Suisse has been sucked up into UBS, maybe its position on the CDDC has been absorbed further by UBS. Back then, I wrote about the fact is we know next to nothing about the sovereign credit default swaps that might be opened up against countries (be it Russia, Sri Lanka, or otherwise):

Here's one such example of a swap dealer: Swiss financial terrorist aficionados UBS AG, who registered to be a swaps dealer with the US at the end of 2012. (UBS had also been a member of the CDDC through the Greek crisis in early 2012, alongside Citadel. In Mar. 2012, they were also one of the members pressing to ask whether Greece had defaulted already.)
UBS AG registered as a swap dealer in the US at the end of 2012 enabling the continuation of swaps business with US persons. Regulations issued by the Commodity Futures Trading Commission (CFTC) impose substantial new requirements on registered swap dealers for clearing, trade execution, transaction reporting, recordkeeping, risk management and business conduct.
If UBS AG decides to make a market on sovereign credit default swaps like Russia, then we might also have no idea who is on the other side of the trade. This also goes for many of the other swap dealers who (surprise surprise) also sit on the CDDC board and can determine just when these sovereign credit default swaps pay out.

Not only that, but the CDDC even can say when CORPORATE BONDS even shit the bed: late last year, they were the ones who were deciding to let everyone know whether Sunac (an Evergrande-relate company) went tits up.

12. We Say When

For months, there has been talk of a looming debt crisis (alongside all the other ones) in the sovereign debt world.
And shit continues to hit the proverbial fan. Apart from Russia, Sri Lanka and others, emerging markets like Ghana and Zambia are beginning to feel the hits from their sovereign debt (oftentimes, trying to restructure it with creditors like China).


Even further, now that Credit Suisse has gone under. We may have another thing to worry about: what banks and prime brokers are housing these opaque sovereign debt structures, loans, and swaps? Even worse, what happens when they go under? Roll that less than beautiful bean footage:


“Before collapse, Credit Suisse quietly conquered an obscure debt market
Before its rescue by Swiss rival UBS, Credit Suisse had quietly become a major player in an obscure market that purports to help developing countries ease their debt burdens in exchange for protecting nature. Known as debt-for-nature swaps, the complex financial instruments help governments restructure their debt to raise money that can be used to fund conservation efforts.

Credit Suisse was the sole structurer and arranger of the world’s largest debt-for-nature swap, a $364 million deal that it orchestrated in 2021 along with The Nature Conservancy, a charity, for Belize. Last year, it sealed another $150 million deal for Barbados. Credit Suisse has in recent years helped revive interest in the instruments and for the first time opened them up to institutional capital. The bank raised money for Belize and Barbados from pension funds including Sweden’s Alecta and Nuveen LLC, a unit of the US’s TIAA, by issuing so-called blue bonds tied to the deals.

he convoluted setup has drawn criticism from sovereign debt experts for its high cost and lack of transparency. And the opaque terms of the Belize and Barbados deals — the first of their kind — mean outside analysts will struggle to assess precisely what comes next.

A lot of poorer, especially emerging market countries were already in dire straits. Now as opaque deals meant to help these countries might not come to light (are these some of the Level 3 assets that UBS was talking about?), we can ask ourselves wtf will happen when the same banks looking to save their own ass while holding these sovereign, are the same fuckers that sit on the same board that can decide when they are worthless (while I’m sure being positioned net short).

All in all, these banks and holders of sovereign debt credit default swaps, who decide when a country goes boom, are sitting arm in arm alongside Citadel, who themselves potentially hover their greasy mayo-covered finger over the button that decides just when and how the US stock market will eventually implode.

13. Everything Everywhere All at Once

To recap, we then have Citadel with (1) the biggest market maker and arguably one of the most influential hedge fund able to decide which stocks rise and which fall as the US stock market teeters on the brink of collapse…
…with having (2) three of its ex-employees in charge of (not even counting other Citadel employees working there) operating at Headlands ready to help position themselves when the municipal bond market gets nuked, whether as a continued result of regional bank failure or in spite of it…
…while (3) sitting on the board that determines when ENTIRE COUNTRIES FAIL, in such a way that their hedge fund and associated pals can be ready to short and profit off failing nations that they and their fuckstick friends help cause.
Did I miss anything? Because remember, Citadel is not just Citadel, the market-maker that we all love to hate; Citadel’s sphere of influence via the Big 3 means the grip that it holds over the US and world economy is even greater than we think…and as such, far far more dangerous.
submitted by throwawaylurker012 to Superstonk [link] [comments]

2023.03.21 21:17 saiyajin15 My recommendations for a new DIL sink in the form of a new Alliance rep and also some changes to consoles for ships going forward.

We all hope at some point that a new alliance reputation will make its way into the game, but along its many traits and sets i think that this new rep can offer a new dilithium sink the likes of which have not been seen before. Picture this if you will: The new alliance will offer the sale of older ship locked consoles without any restrictions. Want to use the Flagship computer console from the odessey, bortasqu, scimitar or the ablative generator from the old voyager, even the torpedo point defense system from the armitage, how about the phaseplasma lance from the phantom and faeht.

The new rep can unlock a limitless combination of consoles for any and every ship. Sure some combos are going to become more popular than others, some will allow some incredible DPS, tanking, etc. But it will allow players to branch out and use combos we havent thought about using in years. Discover new themed builds, and get creative to create some really weird combos. Consoles released this way would have no ship limitations or warp core restrictions. meaning consoles that previously required a singularity core can now be used on AM cores, but naturally anything that specifically boosts singularity cores would only apply to that.
This would require very little tweaking on the developer side i think. and would add a brand new scope to many ships.
On a personal note, the gear i want to be unlocked the most would be from the andorian escort ships. i would love for the Andorian platform consoles to be turned into a XP weapon, 1 weapon that summons all 4 platforms and would have the same functionality as before where TS and CSV applied to it.

Some thoughts i had after the release of the Hydra is that a revamp for future consoles and possibly a back tracking for previous ones should be done we saw that the console for it has 2 active clickies the new HYDRA and the old MVAM active. This should be made standard for all console releases in the future for ships that have past variants. Imagine add the RE-ENGINEER functionality to consoles. Allowing consoles to be re-rolled and changed from say giving phaser to AP for example. (they can limit what can/should be allowed to be changed.) we can also add the re-engineer to console sets so that you can mix and match the use of older consoles and newer consoles to make set bonuses. ie take 2 consoles from the t5 multi mission explorer and 1 from the t6 and re-engineer the set bonus you want to use.
Yes yes i know this is all wishful thinking but it would be really cool to be able to do this. I mean we now have ships normal and legendary that have 6+ consoles from multiple sets. We gotta get this sorted out lol.

Thoughts comments improvements are welcome, have fun dreaming about would be combos.
submitted by saiyajin15 to sto [link] [comments]

2023.03.21 21:16 crodog157 Regarding Osimhen

So if the sources are correct, Campos is eyeing Osimhen. We all knew that if the sale were to happen the price tag would be atleast 100 mill.
Osimhen is the number 9 that Paris lacks and would be awesome to get him if possible. On the other hand, we need to free up around 150 mil per year in wages to meet FFP reqs.
I think it is clear that if this deal goes through, we are getting rid of Neymar and Messi to free up funds for transfer and decrease the wages. Messi+Neymar alone are using up over 10% of our overall wage budget per annum by reports, a figure of almost 80 mil euros, going by the reported figures.
Here's a food for thought, M'Bappe leaves with them. What happens if in 1 transfer window we lose all 3? Messi to Barca/America, Kylian to Liverpoo/Madrid and Neymar to... some club that wants a, then, 32 year old injury-prone Brazilian on a massive salary.
Kylian's departure is for his own sake. Paris has shown to be incapable of building a worthy team around our superstar and even with capable new blood, the leadership of the club is shameful. So his departure is not such an unlikely option after so many years of an open free fall to failure while in our jersey.
We get rid of the wage issue, but what now?
Who do we recruit after Osimhen?
My thoughts,
The managment must have known of the departures weeks maybe months prior. Stack up on academy products with Paris blood in them and capable French players from L1. Get youngins in the machinery and get the juices flowing.
We lose out on some sponsorships, but not many. Most of our sponsors are provided from our Qatari investors friendships in the business realm and their own businesses. They won't quit, becase (as of now) Paris is worth over 3B euros. A cash cow, even for them.
Get ready for a few season of rebuilding and oscillating results (even more than this year). Hell, maybe even a Europa League run for a year or two (proven to not be too bad for a club if you look at the comp this year for example).
But then we come out on top, with a fresh mindset, fresh team and a coach that has been here since the rebuild started (Galtier, Tuchel, Zidane, Mourinho that is another topic in itself).
What will probably happen?
We lose Messi, thankfully. Neymar and Kylian stay.
Neymar is too old and too out-of-form for anyone to take him so he runs his contract out till the end with no real contribution except for taking the money.
Kylian leaves the next summer, for free, to Real and in his prime.
We recruited some more mercenaries and mediocre players for too much money in the meanwhile.
We still have no soul, no fight in MOST of us (excluding known players in the squad who love Paris already) and are back where we started, only now we have no magic in our attack!
Please share your opinions in the comments on the future of Paris and I understand I went off-topic, but I was just trying to see what everyone thinks the future holds for us.
submitted by crodog157 to psg [link] [comments]

2023.03.21 21:04 Brilliant_Lake_3242 2015 with 10k miles

Basically what the title says. A very low mileage 2015 is up for sale. Besides the age of the batteries being 8 years old, my question is, since the car was driven only a few hundred miles a year, should there be concern for the hybrid battery system? I had read somewhere that the batteries do well when they are in use and little usage of the battery system could be detrimental. Any thoughts?
submitted by Brilliant_Lake_3242 to prius [link] [comments]

2023.03.21 20:58 terabotjr 18 years old, Kratom in Texas

I’m just asking if it’s legal for a 20 year old to possess and consume kratom in Texas, because I looked online and it says the sale is prohibited for minors and 18 years or old are allowed to purchase kratom but I’m not completely sure because I’ve gone to smoke shops and they sell only to 21+ but I just bought kratom online with no problem.
submitted by terabotjr to kratom [link] [comments]

2023.03.21 20:57 bobdevnul How Does Selling Brokered CDs Work - Accrued Interest?

I have some old brokered CDs with low interest rates. If I sell them before maturity on the secondary market do I get paid their accrued interest up to the sale date? I just sold some and it appears that accrued interest is paid.
For example:
I sold a $25K, 2.05% one year CD with 5/25/23 maturity date. It was reported at my broker as:
Sold 25 @ 99.026 with proceeds of the sale $25,180.54
25 x 0.99026 = $24,756.50
Does the difference between $24,756.50 and $25,180.54 ($424.04) mean that I was paid accrued interest. That is my guess.
If this is the case, that means that I can treat them sort of like no penalty CDs - plus or minus capital gain or loss due to interest rate changes.
I web searched about this and did not find anything.
I don't see a way to start a new topic in the daily section. Move this there if appropriate.
submitted by bobdevnul to investing [link] [comments]

2023.03.21 20:46 Nitaire [H] Unbundled and Bundled Game Keys [W] Game Offers

Short introduction, I am fairly new to trading but have my rules already set out. I buy almost all of my keys from official stores ONLY. I am able to prove that I own all games listed and have them all in unrevealed key format, I would prefer the same from anybody looking to trade with me but if you have a lot of rep I am prepared to accept revealed keys you acquired through trading.

My assorted list:
Scribblenauts Unmasked: A DC Comic Adventure
Mortal Kombat X
Mortal Kombat XL
Mortal Kombat 11
Mortal Kombat 11 Ultimate Add-On Bundle
Middle-Earth: Shadow of War Definitive Edition
LEGO Worlds
LEGO Harry Potter: Years 1-4
Beyond Contact
Wasteland 3: The Battle of Steeltown (DLC)
Wasteland 3: Cult of the Holy Detonation (DLC)
Injustice: Gods Among Us - Ultimate Edition
PC Building Simulator - Overclocked Edition Content (DLC)
My Big Sister
Construction Simulator
Clid the Snail
Silent Hill Homecoming
Flatout 2
Assetto Corsa
Slime Factory
Bendy and the Ink Machine
Bendy and the Dark Revival
True Fear: Forsaken Souls Part 2
True Fear: Forsaken Souls
Little Nightmares Complete Edition
Little Nightmares II
The Technomancer
The Surge
Red Faction
Perfect Heist
Inbetween Land
FAR: Lone Sails Digital Collectors Edition
ENSLAVED™: Odyssey to the West™ Premium Edition
Cold Fear
Loop Hero
Persona 4 Golden
What Remains of Edith Finch

Recently bundled game keys; Control Ultimate edition, Syberia: The World Before, Praey for the Gods, Hellblade: Senua's Sacrifice, Sable, Dreamscaper, Call of the Sea, Batora: The Lost Haven, Baba Is You, Dorfromantik, Creaks, The Last Campfire, Monument Valley: Panoramic Edition, Monument Valley 2: Panoramic Edition, DARQ.

Also have the Earthquake relief bundle, which includes; Gotham Knights, Ghostrunner, Pathfinder: Kingmaker – Enhanced Plus Edition, XCOM 2, Ticket to Ride, Strange Brigade, Euro Truck Simulator 2, Stick Fight, Farming Simulator 17, System Shock Enhanced Edition, System Shock 2, Pilgrims, Flynn: Son of Crimson, Into the Pit, Worms Rumble, Harmony's Odyssey, Mount & Blade: Warband, Armello, Backbone, 911 Operator, 112 Operator, Calico, X-Morph: Defense Complete Pack, Zombie Driver HD Complete Edition, Space Crew: Legendary Edition, PayDay 2, Monaco, Death Squared, Lust from Beyond - M Edition, Stygian: Reign of the Old Ones, Remnants of Naezith, Planet TD, Firegirl: Hack 'n Splash Rescue DX, XEL, Little Orpheus, Detached: Non-VR Edition, Agent in Depth, Lighthouse Keeper, Hyper Gunsport, Meow Express, Arcade Spirits, Non-Stop Raiders, The Inner World, The Amazing American Circus, Soulblight, Stacking, Hack 'n' Slash, MirrorMoon EP, Cosmic Express, Cris Tales, Orbital Racer, Symmetry, Guilty Gear X2 #Reload, Alchemist's Castle, Soul Searching, Doughlings: Arcade, Doughlings: Invasion, Quadrata, Rym 9000, Stikir, Cats and the Other Lives, Soulflow, Izmir: An Independence Simulator, Guns & Fishes, Pill Baby, Project Chemistry, Pixross, Frick, Inc, Sunlight, Starfinder Core Rulebook, Starfinder: Junker's Delight.

I am a Humble Choice subscriber and do not need extra keys for now, I want mainly game offers and value should be based on prices from gg.deals website. To help things along I will include a few things I want below, some of it is already bundled elsewhere and others are on good sales but do feel free to make any offer and I will give it some consideration.

Some wants; River City Girls, Breathedge, Change, Slay the Spire (KEY), Kingdom Come: Deliverance, Code Vein, Ori and the Will of the Wisps, Fight Knight.

My IGS Rep Page: Nitaire's IGS Rep Page : IGSRep (reddit.com)
submitted by Nitaire to GameTrade [link] [comments]

2023.03.21 20:41 blessed-9999 Should I pick Accounting/Finance, Cosmetology or self employment?

Hi, I am a 47 yrs old woman bit confused with career choices, and writing here in a hope if someone of you can put light and guide me on my right career path. I Thank you with abundance, in advance to all who are willing to help me.
So I have a bachelor's and Master degree from my native country Pakistan, which has been accredited as an Associate Degree in USA. I also have around 10 years experience in Accounts/Finance field. (But With this limited qualification I won't be able to earn enough money where as a single parent I can support my family. I also tried to study and get Masteres degree here but with being a single parent of two college going kids it's really not possible for me, specially when I have to fulfill their college fees and all other needs. They Being full time students, my boys neither help much nor can earn enough.)
In year 2009 in USA I have gotten my Cosmetology license and have about 4 years experience also. ( But this field has many requirements like being on feet all day, having moody people on your chair, losing balance and being dizzy while on floor all day, fear of getting sued by clients or get fired if any of the service goes wrong, etc etc)
I have been active part of my small family business throughout my life and have life long experience with family business. (Small businesses are often compromised for being less popular. People like to shop big franchises super stores or online so sale is tough, customers insult vendors, customers bargain with small businesses, it's hard to buy merchandise, because wholesale cenders prefers to sell to big chain stores or franchises, profit margin is very low and in order to save on cost, one have to do everything by of your own so it's one man show)
All 3 fields are different and all have their pros and cons like working hours, health related issues, hours to stand on feet etc.
Now I am trying to pick a field in which I can earn enough to support myself and my kids' living, health, and education expenses, and have some money to save for my retirement also.
But I can't make my mind that which field to go into.
submitted by blessed-9999 to u/blessed-9999 [link] [comments]

2023.03.21 20:31 Status_Flow_2183 Start my own thing now or take a job in HR?

Thank you in advance to everyone, I've been posting in this sub and others for the last 3 months and the support I've received has been huge. Since the pandemic started I sold my old martial arts school business and I've been researching a new pathway forward. I've been working as an online personal trainer as well as supporting a couple of other businesses in shaping their online offers and i've been getting by but I know I'll need an upgrade in a big way to move forward to more financial and personal success.
I've researched firefighting, the trades, digital marketing, Mental health counseling, Accounting, and sales as options in my wheelhouse. I'm seeking a path that gives me the same sense of fulfillment as the martial arts school and that can turn into my own business in the future. (Financial stability is more of a priority now with 2 step children and my wife).
I am still very motivated to start my own business but currently I am feeling the need for stability while I keep planning for the future. A job as a Human Resource Generalist has come up as an opportunity and I'm debating keeping on with side hustles and doing my own thing or jumping in with the company. I feel like time in a strong corporation would be good experience to show me how bigger companies/industry operates but I am also afraid that I'll be missing out on time that I could be developing my own path.
Question: Will taking a job like this limit my ability to pursue building my own future? Or could this be a good opportunity to learn and gain more skills while I keep planning?
submitted by Status_Flow_2183 to findapath [link] [comments]

2023.03.21 20:24 randomuser6879 Authentication: 2/1 Ally

Authentication: 2/1 Ally
I saw this 2/1 Ally pop up for sale and I'm interested in opinions on authenticity. For me:
  1. Beanie looks correct
  2. Hangtag looks right, including old price sticker residue, which can point to it having been real and retail sold 30 years ago
  3. Plastic attachment is red, not clear, but that's possible on 2nd gens
  4. Tush tag text/spacing is correct for 1993 but the fabric looks a bit softer than normal -- maybe it's just frayed?
It was listed for $100, which is great if it's real but overpriced if fake haha. Thanks in advance!
submitted by randomuser6879 to beaniebabies [link] [comments]

2023.03.21 20:22 Ok_GoGo Home Insurance Dilemma

I am a soon to be former employee. I am part time. I have a full time job that I love and I have a firm exit strategy. Target departure date is 4/21. My dilemma. 1) I have real problems with Geicos management style and integrity. 2) My 86 year old grandma needs home and jewelry insurance. I have a power of attorney and all her info. 3) I love my coworkers and I know my personal friends in MOAT could use an easy sale for their numbers. Part of me wants to throw my friends a bone, give them the sale. Just lower their stress a little bit. The insurance is not with Geico after all. I have more trust in Lib, Trav, ect... than I do Geico. My problem is the sale helps a friend out a little for one month, but the annual premium and renewals and commissions go on and on to Geico and the inept fools that lost a billion dollars and the dog eat dog ranking system.
Do i A)- Help out a friend and give them an easy sale
B) take my business elsewhere.
Let me have it!!!
submitted by Ok_GoGo to Geico [link] [comments]

2023.03.21 20:13 Suspicious-Point-204 HELP ! Coinbase won't let me sell my crypto assets and remove cash proceeds from account

Coinbase is telling me that my account is "under manual review" and that I am required to tell them the source of my wealth documentation such as a pay slip, inheritance document, sale of house, etc. This is insane ! I'm 55 years old and built up my wealth over decades and they want a piece of paper to justify my account holdings as legitimate ?? I can't get anyone at Coinbase to respond to my request for a more realistic documentation request.
HELP !!!
submitted by Suspicious-Point-204 to CoinBase [link] [comments]

2023.03.21 20:05 Wipedout89 My new OLED C1 brightened up so much overnight!

My new OLED C1 brightened up so much overnight!
I got a new sale price LG OLED 77C1 last week and was a bit worried as it seemed kind of dim out the box. Then on day 5, overnight, it brightened up and the colours became much more vivid almost overnight. I'm seeing really vibrant colours I never noticed on my old 65C8, and this is in Game Optimiser. I always forget OLED needs 10 hogue or so to warm up - now it looks for superior to my old TV
submitted by Wipedout89 to OLED_Gaming [link] [comments]

2023.03.21 20:04 Better_Nature [For Sale] The Killers, Death Cab, The 1975, Deafheaven, Caspian, assorted indie

Offloading some stuff I don't listen to. Discogs entries are linked in the names. All prices include CONUS shipping (no international, sorry).
Please comment before PMing! No chats, please. Happy to provide additional photos/info.
The Killers – Pressure Machine Deluxe Vinyl — $65 This arrived to me with the case damaged, pic here. One of the record sleeves is coming apart, but the records themselves are unharmed. Can provide more detail upon request.
Death Cab for Cutie – The Photo Album — $40
Deafheaven – Infinite Granite (Neptune blue) — $25
Caspian – Waking Season (green marble) — $45
The 1975 – A Brief Inquiry Into Online Relationships — $20
Conor Oberst – Ruminations — $18
Gordi – Reservoir (white/magenta marble) — $15 (or free with purchase of $40+)
Fenne Lily – Breach — $15 (or free with purchase of $40+) Side A has a smudge that creates some noticeable surface noise.
submitted by Better_Nature to VinylCollectors [link] [comments]

2023.03.21 19:52 Professional-Rate976 How Do I Get Rid of that Horrible Scented Detergent / Dryer Sheet Smell?

We were renting out our old house short-term while we moved. The tenants were only there about two months but they used some AWFUL detergent and EVERYTHING smells so terrible and toxic. I couldn’t even stand to be in there. I think I might have to burn my husband’s clothes that he wears when goes over there (he’s getting it ready for sale.)
The last time he left his clothes in the garage here to air out and then did a load of laundry with just those items. Everything else I put through our laundry now smells! Ugh!
We moved a bed from that house to the new house, again, aired the mattress out in the garage for a good two weeks, that was two months ago and it STILL reeks.
Is everything ruined? What is the half-life of this poison and how has it not killed everyone that marinates in it all day long?
submitted by Professional-Rate976 to NoStupidQuestions [link] [comments]

2023.03.21 19:51 SurveyingSurveyor My 23 years of salary in the US Surveying Profession

My 23 years of salary in the US Surveying Profession submitted by SurveyingSurveyor to Surveying [link] [comments]