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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

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

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.

https://preview.redd.it/4fu0w15el5pa1.png?width=606&format=png&auto=webp&s=1c47c25197fb9f5543fcad01a4dc0e30b48ebeac
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):

https://preview.redd.it/e8bqxn3wk5pa1.png?width=1326&format=png&auto=webp&s=cc1e3c44bced207ca23105ae48110eb7298441f1

“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].

https://preview.redd.it/5pp1500xi5pa1.png?width=1128&format=png&auto=webp&s=b4f48ce1f6d11fff15d44cc47b2174882e34eb03
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.

https://preview.redd.it/nc8lbgwsk5pa1.png?width=1280&format=png&auto=webp&s=35e2c386534eb904608db679a9954affe0338c9a

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:

https://preview.redd.it/9pcmm2c9j5pa1.png?width=760&format=png&auto=webp&s=869c0863c6ecc788c29d6dbe37da76521a700d1e
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:

https://preview.redd.it/i1jnj88bj5pa1.png?width=1886&format=png&auto=webp&s=a6ea375e929a247f0b9618fed703ef519561a6a2

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”.

https://preview.redd.it/ibr2d9xcj5pa1.png?width=200&format=png&auto=webp&s=ea86240da04d87d28dd9561b4afdb13d600de764
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”)...

https://preview.redd.it/s8wqbdtej5pa1.png?width=1217&format=png&auto=webp&s=d2ee309462354293b1a4907d0966889bd841089f

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:

https://preview.redd.it/rsul8xsmj5pa1.png?width=1324&format=png&auto=webp&s=f593d8b9d18e962df50609ba114d0b7093c0cdaf

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.

https://preview.redd.it/te7m9b5pj5pa1.png?width=782&format=png&auto=webp&s=72fccaee202099011c280636e1501bd570544a2c
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.”

https://preview.redd.it/1a2vz6brj5pa1.png?width=730&format=png&auto=webp&s=529db6c15522fd84560746523f76bc180207a496
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:

https://preview.redd.it/1v8qrfctj5pa1.png?width=1780&format=png&auto=webp&s=8e15ea68094ecdc212a18677fa1966158e362134

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?

https://preview.redd.it/x5z73ef9k5pa1.png?width=1500&format=png&auto=webp&s=e3f0155a2015cecae29d739aca7729e44565566f
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

https://preview.redd.it/6fp1njsck5pa1.png?width=1295&format=png&auto=webp&s=0ea74b772735a79d5aca4b0d41a658231435dd8f

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?

https://preview.redd.it/gcvfc4shk5pa1.png?width=928&format=png&auto=webp&s=f968f2765e15103295c91bc4dc7ec74836f916a4
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):

https://preview.redd.it/t3kx1tk2l5pa1.png?width=850&format=png&auto=webp&s=f829d1a1c14d4df74fe7a2ad7d832d1409662e76

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).

https://preview.redd.it/gd0ocjuyi5pa1.png?width=2458&format=png&auto=webp&s=cb1fe0ade2f3401b2e081f8d0b55ef55cfb95ae2

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:

https://preview.redd.it/wt5v7uu0j5pa1.png?width=1134&format=png&auto=webp&s=df9cf3379be7ce881d7704013f4e6d92e287f08c
https://www.livemint.com/news/world/before-collapse-credit-suisse-quietly-conquered-an-obscure-debt-market-11679395660932.html

“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.

https://preview.redd.it/ysibqfz5l5pa1.png?width=734&format=png&auto=webp&s=0a1b42cd1d630041b337a008e539facc8781c4d5

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]

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submitted by denim_duck to cscareerquestions [link] [comments]

2023.03.21 20:31 Redfox2014 Things to Do (March 22nd - March 29th)

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Thank You, u/Matingas for this link <_ Brother Moderator of Tijuana :)
Of course, there's the regular weekly stuff:
Saturday's u/ thedaymayne organizes a semi-regularly about a flag football game Saturday at 11a at Jefferson Elementary (turf field). There's a solid core of 6-8 people and were always looking for new people to join. No ones D-1 athletes and we don't allow blocking to keep it clean and injury free. PM for more info.
u/lightwolv Suggests:
https://www.meetup.com/Casual-Socce Heads up for soccer players. We run a free meet-up every Tuesday and Thursday from 5 - 7. It's outdoor with big goals, cones and co-ed. If you wanna get outside and active, sign up. All skil All skill levels welcome, for those who played in college and stuff, it's competitive and it's a good work out.
Every Sunday at 2pm-3pm, free organ concert at Spreckles Organ Pavilion in Balboa Park.
Every Sunday Farmers Market at the Hillcrest DMV
Free yoga classes All around San Diego (Coastal) :
A good list of classes all over the city, Solana Beach
Sunset Cliffs, USS Midway Museum
Yoga on the Bay Every Saturday 10:30 am
There's a Sunday live video streaming of the classes in PB 10-11:30 am
u/YmcaAdultSports suggests: If you are interested in joining an Adult Sports League, come check out what the Dan McKinney Family YMCA has to offer (La Jolla)
IF there's something that you think is important or needs to have tickets purchased in advance... please post in the comments. IF there's a link that's needed, please try to not make it part of some text but the full URL string So I can just copy and paste it. (It'll make things easier) I'll try to retain these in the following week until the date of the event.
Please don't post events that are several months in advance. Try to limit it to 30 days or so - unless there's a real need for advance notice well in advance for ticket purchases.
Stuff from Last Weeks post: N/A
u/SD_TMI has suggested the following events
Monthly Yoga class at the South Embarcadero Rady Shell
The MsMargo activity section (welcome back!)
Free Guitar-Based Classic Rock Jam
Mondays, 6:50 pm-9:00 pm Our Savior's Lutheran Church 4011 Ohio Street San Diego, 92104 Age Limit: 18+ All levels welcome. Bring your own guitar, mandolin, flute, etc. or just sing along. Song chords and words are displayed via projector to a large screen. No practice required.
Gilbert Castellanos Presents: Young Lions And The Wednesday Jam Session - FREE!
Wednesdays
Panama 66 restaurant, Balboa Park
"Every Wednesday Panama 66 at The San Diego Museum of Art comes to life with the sounds of jazz. San Diego jazz hero Gilbert Castellanos showcases young music prodigies with The Young Lions Series (7:00–7:50 p.m.) followed by the Wednesday Jazz Jam (8:00–10:30 p.m.) that transforms the James S. Copley Auditorium into a swinging speak-easy. Order a craft cocktail or draft beer, take in the view of the Museum’s Sculpture Court and Garden, and enjoy an evening of music from San Diego’s finest jazz musicians.
Visit the Panama 66 Instagram page for updates on performances, closures, and schedule changes.
FREE event. Drinks and food available for purchase."
https://www.panama66.com/livemusic
IF there's something you think others will want to be know about please include it in the comments, reoccurring events can be added to the weekly post.

submitted by Redfox2014 to sandiego [link] [comments]

2023.03.21 20:15 poketaco [W] First print Holo Rares [H] PayPal (US/US)

Collecting all 1k+ Pokemon, first print cards only (aka Pokemon Rookie cards). For example, if Charizard was first released in base then I'd be interested in that specific card only. So, the very first card a Pokemon was introduced. Not to be confused with "first editions".
If unsure we can check the site below or just ask here and include Pokemon name, number on bottom corner or a picture.
https://www.pokellector.com/sets#BS
WTB

Holo rares from base/jungle/fossil Charizard Blastoise Pidgeot Nidoqueen Nidoking Clefable Ninetales Wigglypuff Vileplum Venomoth Machamp Gengar Hitmonlee Mr. Mime Sycther Vaporeon Jolteon Aerodactyl Snorlax Zapdos Moltres Dragonite Victrebeel
Also, need these two non holo rares from base as I forgot those in my last deal: Golem (fossil) Voltorb (base)
Also, in the market for any first print holo rares - gen 3 through gen 9 Pokemon.

I prefer to buy in bulk or a lot to save time and money but might be open to singles if the price is right. Paying 30%+ off market. LP/NM is fine.
I have PayPal and good/recent references from eBay, Discord (and now Reddit 😉) available.

submitted by poketaco to pkmntcgtrades [link] [comments]

2023.03.21 20:11 silversammy710 Cornering the market

Has anyone here tried cornering the market for a specific card? For example go to TCGplayer & buy all listed copies of Radiant Eevee, do the same on eBay, wait for the price to go up because I would own all available for purchase copies. Profit?
Anyone have experience with this? Thoughts, comments, concerns?

submitted by silversammy710 to PokeInvesting [link] [comments]

2023.03.21 19:58 MoneyHub_Christopher ‘I asked ChatGPT where to invest £10,000 – so far I’m down 24pc’ (Daily Telegraph story)

I'm posting this as a reminder that AI has its limits :)
>>> https://www.telegraph.co.uk/investing/news/asked-chatgpt-where-invest-10000-far-24pc/ (paywalled)
In February I asked ChatGPT to invest for me and make a portfolio to grow my savings.
Since the chatbot launched in November 2022, users have been asking it to pen songs, provide recipe suggestions and rewrite their CVs.
Why not, I thought, use its vast, artificially-intelligent brain to weed out lucrative stock market investments.
In theory ChatGPT should be the perfect stock picker because of its ability to process detailed financial documentation in no time at all.
I decided to put this to the test and asked the chatbot which stocks I should invest £10,000 in for high returns. I then did the same for funds. But, so far, it is not looking good.
My fund portfolio is down 13pc and the performance of my stock portfolio is even worse.
It is a good thing I did not actually put any money on the table or I would have lost a quarter of my initial investment betting on its stock recommendations by now.
As well as Apple, Amazon and Visa, the chatbot suggested I bet big on Microsoft because of its “strong market position and growth outlook”.
Of course, Microsoft just so happens to be a major investor in ChatbotGPT’s creator OpenAI.
Last week the firm launched ChatGPT-4, its latest update. It said it had developed “more advanced reasoning skills” on the chatbot, meaning it is possible its stock-picking ability may have improved since I asked for its recommendations.
However, Laith Khalaf of investment firm AJ Bell told me ChatGPT's selection left much to be desired, when I asked him to review its choices.
“Calling it a portfolio is a bit of a stretch, seeing as you need at least 25 to 30 stocks to achieve a reasonable level of diversification,” he says.
“Pumping your wealth into each of these four companies would leave you with an unconscionable amount of stock-specific risk.
“ChatGPT hasn’t exactly scoured the four corners of the global stock market for hidden gems either – the four stocks chosen are some of the largest in the world and are all listed in the US.”
“Perhaps unsurprisingly Chat GPT is quite keen on the technology sector when it comes to investing, perhaps a sign it’s intelligent enough to worry about its funding being pulled,” Khalaf adds.
ChatGPT's affinity with tech also reflects its limited knowledge reach.
Although the chatbot has vast reserves of data, it is restricted to events that took place before 2021. In other words, it is stuck in a world where US tech giants are still on the up.
In all fairness to the chatbot, I have checked the value of my portfolio at a time when equity markets are still reeling from troubles at SVB and Credit Suisse banks.
The FTSE 100 has fallen 7pc in the past month while the S&P 500 had dropped 1.3pc in the same period.
Conventional wisdom has it that I should stay invested for at least five years to give myself a better chance of riding out the market volatility and, fundamentally, these are “perfectly good companies”, according to Khalaf.
Meanwhile, in my fund portfolio, things are looking a little brighter.
The best performer so far is the Vanguard FTSE All World High Dividend Yield ETF, which is up 3.36pc.
Over five years, the fund has returned 29pc for investors, so it looks like a decent long-term bet. The other three, however – Fidelity Global Dividend, T Rowe Price Global Focused Growth Equity and Baillie Gifford Global Discovery – have all fallen (Baillie Gifford by a huge 38pc because of its high exposure to tech stocks).
But Kahlaf says this was a fairly well-diversified spread of investments.
“Whether by accident or design, Chat GPT has done a reasonable job of picking four funds for a portfolio, with a blend of growth and value approaches. It’s also stuck to global funds which means the portfolio has reasonable levels of regional diversification,” he says.
“Perhaps what is missing is any consideration of the specific needs of the investors.
“A more risk averse investor might require some bonds, cash and alternatives alongside a global equity portfolio. While Chat GPT has produced two income funds in its suggestions, an income investor might want all of their portfolio producing an income, rather than also focusing on capital growth.”

submitted by MoneyHub_Christopher to PersonalFinanceNZ [link] [comments]

2023.03.21 19:54 throwra425916 Me, 28m and fiancee 30f are separating. its the worst feeling I could imagine

Me and my fiancee have been together for 5 years. We started dating out on the east coast where we fell in love and moved in together within 8 months. we Stayed together during the pandemic through job troubles, etc.
In 2019, we adopted a wonderful dog. We since have rescued dogs and foster failed recently.
We made the decision to move to CA last year. Her parents own multiple house and the opportunity to occupy one came across. We were elated to take it. I was nervous but excited. Moving here was aligned in my goal of creating a better life for my family and my children when we have them.
She came in July and I wanted to finish the summer on the east coast. I DJ, and being in NYC, I felt like I wanted to give my friends all of me until the end of the summer. I came to california, excited, but exhausted. Socially, I was dead.
I struggled at work. I transferred in my company, kept my title, but took a paycut that created an inbalance in our relationship. I was given a schedule to work almost every weekend which impacted how I was able to make friends. It sucked. I started to become depressed and we argued to my lack of motivation.
Thanksgiving, I got a call that my mom was being rushed to the hospital at 4 am as she couldnt feel part of her side. Since then, to date, she has been to 30+ appointments all tiptoeing around an MS diagnoses. Its a struggle for me to accept as My brother 32M and sister 27m do not drive. They are not able to assist in caring for my mother in ways she needs. Typically, I was doing this when my dad couldnt.
My mom and fiancee never really hit it off. My mom always referred to me as "my boy" as she is proud of my accomplishments and willingness to help. My fiancee, (filipino mostly and chinese) felt like an outcast to my white family as they shunned her. Over the years, it was always a small comment of , "oh you use chopsticks well" and "oh she looks like a tourist with her little camera"(poloroid). This really hurt my fiancee and it has been tough to recognize on my end as I defaulted to oh they are old school, they dont mean it. I've realized a resentment towards them.
We started couples therapy in December and I thought it was great. I felt like I understood myself more, although it was difficult for me to hear from a professional that I was depressed. I didn't try to hide under the guise, but I got complacent. I havent really made a friend here in california.
I relied on her to lead me to happpiness. It was exhausting for her. I've fought with letting people in to my life, both locally and with my core group. I dont want people to know how sad I am or that my relationship isnt perfect. I hid these from everyone, including her. I was not clear on the extent of my depression either. I thought about the s word once, told her about it and it originally sparked our therapy. I never thought of it again. A few weeks ago, she said that I am too chicken to admit that me moving here is a mistake and that I am miserable here. I am sad, but being here is keeping me from being miserable. I'm working towards my goals. I corrected her and said that in a toxic work environment, bad schedule, and a not established social circle, it would be tough to be happy. My dogs, her, and the prospect of a new job ( got my full ask, much better environment!!!!) was making me happy. I felt motivated to be up, do more, take off the mental load from her, and invest in myself.
Last week, i made a dumb choice. I had someone ship coke to my new house and i did it. I couldnt go to work the next day and came home, admitted this to her, and said that I needed her help. I keep asking her for help but recently havent helped myself. This isnt the reason why we are breaking up. She, as well as me, can recognize the drugs for what it was, a mistake. Although premeditated, it was a mistake and not a habit. but, it was the last straw for her.
She can't love me anymore, and asked me to move out. I am heartbroken. It sucks because i couldnt see that it was at this level. She's staying with her parents and has walls up. It has forced me to lean on my circle harder and more openly than I ever have before. She sees what I am doing, going to therapy alone, taking care aroudn the house, utilizing my social skills to reach out to people i know locally, but says its too late. She needs significant time apart. I am lost. I am in a new city. Moving out is possible, and i'm taking the actions, but its going to be lonely. I can't go home yet to NJ with the chance to prove to the woman I love that I CAN work on myself.
I also recognize that I can not do this work for her or the relationship. I'm doing this for me. At the end of the day, its tough to have people in your corner that are capable of not giving this all we got. I'm keeping our dog, but it makes me bittersweet to do so. I hope I can be strong for her and give her the best life she deserves. My friends are my rock right now, talking me out of all crazy things. I want to do the biggest and most grandiose acts, but I need to do these for ME. I have therapy scheduled out weekly for now and I am hoping to show, potentially before i sign a lease, that i have made progress and we can agreeably adopt a living situation that wont financially cripple us. Any advice the world here has, is appreciated. I'm down. I know i'll be up soon, but god damn does it hurt to lose the woman you proposed to , the woman that you wanted to marry, and your best friend.

submitted by throwra425916 to relationship_advice [link] [comments]

2023.03.21 19:21 SalsaPapii In search of roommate!

Hey guys! 23 M in Marietta looking for a roommate! I’m open to all types of people, but not tooooo big on pets. Cats are okay though! It’s an apartment space right around the corner from the highway; about 25 minutes to midtown and minutes from the square. Nice, quiet, neighborhood not too much going on.
For myself, I work full time at two jobs. While I’m home, I record music with my home studio set up; so being into music is a plus. I don’t often have people over though I may occasionally have some associates come over to collaborate on songs. Definitely not against a good time within reason.
Just be clean and about your shit, that’s all I ask :-)
Thanks!
$950 a month, looking for 2months down, PM me!

submitted by SalsaPapii to ATLHousing [link] [comments]

2023.03.21 19:15 CivilDigest FREE Udemy Coupons 2023 March 22

submitted by CivilDigest to udemyfreebies [link] [comments]

2023.03.21 18:58 greg0525 I am Mr. Nobody

After years of hard work, dedication, and unwavering determination, my lifelong dream had finally come true and it collapsed from one day to the other. I had the perfect family and the perfect life. As an English teacher in the quaint town of Black Rain, located in the serene landscape of British Columbia, I felt a sense of fulfillment and purpose in my daily life.
My family was the epitome of happiness and contentment. We shared a bond that was unbreakable, and every moment spent together was a cherished memory. My two teenage children, Samuel and Emma, were the joy of my life. They were both outstanding students and were thrilled about the prospect of attending university in the near future.
My wife Amelia was breathtakingly beautiful. Her long auburn hair cascaded down her back in loose waves, framing her delicate features and sparkling hazel eyes. She was a guide and lecturer at the local art museum, and her passion for the arts shone through in every aspect of her life. When she talked about a particular painting or sculpture, her eyes would light up with excitement, and her enthusiasm was infectious.
Despite her busy career, Amelia always made time for me. We were the perfect match, and our love for each other only grew stronger with each passing day. I loved watching her teach and inspire others, and it made me proud to see how respected and adored she was by her colleagues and students alike.
Together, we created a life filled with happiness and adventure. Whether it was exploring new art exhibits, hiking through the nearby mountains, or simply enjoying a cozy night in, we cherished every moment spent together. Amelia was my soulmate, my partner in every sense of the word, and I felt incredibly lucky to have her by my side.
In addition to our academic pursuits, we often embarked on exciting adventures and memorable holidays together. Whether we were exploring the natural beauty of the nearby national parks or indulging in our shared love of literature, every experience was enriched by the warmth and love that we shared as a family.
That day started as a typical morning. I woke up early and headed to the kitchen to prepare breakfast. The kitchen was filled with the aroma of freshly brewed coffee and the sound of sizzling bacon. I walked towards the counter and started making myself a sandwich. Samuel was sitting at the table, munching on his toast, while Amelia was getting her cereal ready. Suddenly, Emma walked into the kitchen with a perplexed expression on her face.
"Good morning, sweetheart," I greeted her with a smile.
"Good morning," she replied, still looking puzzled. "Who are you?"
I froze for a moment, not sure how to react. "What kind of joke is this?" I asked, trying to keep my voice calm.
But Emma shook her head, looking more confused than ever. "I'm sorry, I don't remember you," she said.
Samuel and Amelia exchanged worried glances, clearly as perplexed as I was. "Emma, that's your dad," Samuel said firmly as if trying to convince her.
But Emma just shook her head. "I'm sorry, I don't know who you are. I have never seen you!" she said softly before grabbing her backpack and heading off to school.
I was left standing there, feeling completely bewildered and hurt. How could my own daughter not recognize me? It was like a nightmare come true.
As soon as Emma walked out of the door, panic set in and I knew I had to act fast. I ran out of the house and down the driveway, chasing after her. When I finally caught up to her in the front yard, I tried to touch her gently on the shoulder, but she recoiled from my touch as if I was a complete stranger.
"Emma, it's me, your dad," I said, my voice trembling with fear and confusion.
But Emma only backed away from me, looking more scared than ever. "You're not my dad! My dad doesn't look like you," she cried.
I was taken aback by her words. "What do you mean? Of course, I look like your dad. I am your dad," I said, trying to remain calm.
But Emma's eyes were wide with fear, and she continued to back away from me. "You're lying! You're not my dad! Leave me alone!" she screamed.
Her fear was palpable, and I felt a sense of helplessness wash over me. As our neighbors began to peer out their windows with curious looks on their faces, I realized I needed to back off before things got even more out of hand. I slowly retreated, watching Emma until she was safely out of sight. The weight of the situation bore down on me heavily as I stood alone in the yard, wondering what had caused my daughter to suddenly forget who I was.
Back inside, I looked at Amelia, who was equally shocked by what had just happened. "What's happening to her, James?" she asked, her voice trembling.
"I don't know, but we need to figure it out," I replied, my mind racing with possibilities.
That day Amelia and I visited a psychologist. He had a relaxing office. He told us that teenagers sometimes go through a difficult time and she mentioned some reasons. She said it could be a way of fighting stress but it is only temporary and she told us to be patient, it would go away.
Amelia and I sat anxiously in the waiting room, both of us unsure of what to expect from our visit to the psychologist. I had to skip all my classes that day. As we were called into the office, I couldn't help but feel a sense of relief from the calming atmosphere. The walls were painted in soft shades of blue and green, and a small fountain bubbled quietly in the corner.
The psychologist was a middle-aged woman with kind eyes and a soothing voice. She listened patiently as we explained Emma's sudden confusion and fear, nodding thoughtfully as we spoke.
"Teenagers can often go through a period of difficulty, especially during times of stress," she explained. "It's possible that this is just a temporary phase for Emma."
"But why would she forget who I am?" I asked, my voice wavering slightly.
"It could be a defense mechanism," the psychologist suggested. "Sometimes our brains try to protect us from painful memories or experiences, and forgetting certain things can be a way of coping with those feelings."
“Painful memories? Like a boyfriend? She had a boyfriend and they broke up a few weeks ago. She has been very depressed since then. Can it be the cause?” I asked.
“Possibly,” the psychologist said but I still felt a sense of unease. "What can we do to help her?" I asked.
"Be patient," she replied with a small smile. "And try not to push too hard. Let Emma come to you when she's ready."
As we left the office, I couldn't help but feel a sense of uncertainty. How long would this phase last? And how could we help Emma when she was pushing us away?
Later that day Emma came home from school and said she did not want to have dinner with that man. She meant me. So she ate in her own room. Samuel went to play video games and Amelia and I went to bed, we both hoped Emma would be all right soon.
Later that day, as Emma walked through the door, I couldn't help but feel a sense of unease wash over me. She had been so distant lately, and I couldn't shake the feeling that something was seriously wrong.
"Hey, Em," I said, trying to sound casual. "How was school?"
But she just shrugged and headed straight for the stairs without a word. It was like she was a completely different person, and it was breaking my heart to see her like this.
Later on, as we sat down for dinner, Emma made her feelings clear. "I don't want to eat with that man," she said, looking straight at me. "Can I just have dinner in my room?"
She then walked away, leaving me feeling more lost and helpless than ever before.
After dinner, Samuel disappeared into his room to play video games, and I could hear the sounds of gunfire and explosions coming from his computer. It was a stark reminder of how different things were now, how far we had strayed from the happy, carefree family we used to be.
As Amelia and I got ready for bed, I couldn't help but feel a sense of hopelessness wash over me.
"Do you think she'll be okay?" I asked, my voice barely above a whisper.
Amelia sighed, her expression sad. "I don't know," she said, shaking her head. "But we have to be patient, and hope that things will get better soon."
I nodded, knowing that she was right. But as I lay in bed that night, I couldn't shake the feeling that things were only going to get worse before they got better.
As I woke up the next morning, my thoughts immediately went to Emma. I hoped that she was feeling better and that her fever had gone down. I quickly got dressed and made my way to the kitchen, hoping to find her there.
To my surprise, as soon as she saw me, she asked, "How come you're still here? I thought you were leaving today."
I was about to say something when Samuel looked at me.
“I am sorry, who are you?”
My heart sank. I looked at him with a mix of confusion and anger.
"What do you mean, who am I? I'm your father!" I said, my voice rising in frustration.
But Samuel only looked at me with a blank expression, as if he had never seen me before in his life.
"I don't know who you are," he said, his voice tinged with fear.
My mind raced with possibilities. Was this some kind of prank, a cruel joke being played on me by my own children? But as I looked into their eyes, I could see that this was no joke. They genuinely didn't recognize me.
"Listen to me, both of you," I said, my voice stern. "I am your father, and you have to respect me as such. This is not a game, and I won't tolerate this kind of behavior from either of you."
But as I spoke, I could feel the weight of uncertainty bearing down on me. What if they were telling the truth? What if they really didn't recognize me?
“I don’t know what you are talking about! If this is a prank from my dad, tell him it is kinda creepy!” he said, grabbed and left for school. Emma followed her and slammed the door. I still heard the word “weirdo fuck” from Emma from the outside.
When Amelia walked into the kitchen, I shared with her the disturbing news about Samuel's strange behavior and how he had failed to recognize me. I was so upset that I found it difficult to focus on my work, so I took a sick day and Amelia came with me to see the psychologist again, hoping to resolve the situation.
As soon as we arrived at the psychologist's office, we were ushered into her consultation room. The psychologist greeted us with a warm smile and gestured for us to take a seat.
"So, tell me what's been happening," the psychologist said, looking at us expectantly.
I took a deep breath and began recounting the events of the past few days, describing how both Samuel and Amelia had failed to recognize me, their own father.
The psychologist listened attentively, nodding her head occasionally as I spoke. When I finished, she took a moment to gather her thoughts before speaking.
"It's not uncommon for siblings to have similar symptoms," she explained. "It's possible that they're experiencing some kind of dissociative disorder, which could explain why they both can't recognize you."
I was skeptical of her explanation, but the psychologist seemed confident in her diagnosis.
"I would like to see your children for a few sessions to assess their condition and provide appropriate treatment," she said.
My wife and I exchanged a glance, unsure of how to proceed. We were both feeling angry and frustrated with the psychologist's diagnosis.
"You're saying that my children, who were perfectly normal just a few days ago, are suddenly suffering from some kind of disorder?" I said, my voice rising with indignation.
The psychologist remained calm and professional, trying to reassure us.
"It's not uncommon for teenagers to experience these kinds of issues," she said. "With the right treatment, they can make a full recovery."
But my wife and I were not convinced. We stood up and left the room, feeling like the psychologist was incompetent and unable to help us.
That evening, dinner was the last thing on our minds. My wife and I retreated to our bedroom, where I collapsed onto the bed, tears streaming down my face. My wife held me tightly, whispering words of comfort and reassurance. "We'll get through this together," she said softly.
I hugged her tightly, not wanting to let go. "I don't want to lose you," I said, my voice choked with emotion.
"You won't," she replied, her voice soft and gentle. "Everything will be alright, I promise."
Despite her words, I couldn't shake the feeling of fear and sadness that had settled over me like a heavy blanket. My mind was consumed with thoughts of what might happen if I couldn't help my children.
Unable to sleep, I left the bedroom and wandered into the living room. I turned on the TV, but my mind was too distracted to focus on anything. Instead, I found myself lost in a sea of worries and doubts. How could I help my children if even the experts seemed unsure of what was happening to them? How could I keep my family together when everything felt like it was falling apart?
The night stretched on, each passing moment filled with a sense of desperation and despair. All I could do was wait and hope that somehow, someway, things would get better. As my mind raced with worries and fears, exhaustion eventually overtook me and I drifted off to sleep.
I woke up in the middle of the night. I had a strange feeling but I did not know what it was. The couch was uncomfortable now and I wanted to go back to Amelia to the bedroom. I walked up the stairs. It was dark. I opened the bedroom door and approached our bed but I got extremely shocked when I saw another man sleeping in our own bed, next to my wife!
I jolted awake in the middle of the night, a sense of unease creeping up my spine. Something didn't feel right. The couch beneath me had become too uncomfortable, so I decided to make my way upstairs to our bedroom. It was dark, the only sound was the creaking of the wooden stairs beneath my feet.
I slowly pushed open the bedroom door, my eyes adjusting to the darkness. My heart dropped into my stomach as I saw another man sleeping in our bed, his arm draped possessively over my wife's waist. I froze, my mind struggling to comprehend what I was seeing.
"Who are you? What the hell are you doing in my bed?" I demanded, my voice shaking with anger and disbelief.
The man turned on the lamp on the bedside table and picked up a vase gripping it as a weapon. He told Amelia to call the police and she did so. The man was threatening me to leave their house because he will beat me up. I asked Amelia how come she did not recognize me but she did not speak to me. I was backing off and left the house before the police arrived.
As the man turned on the lamp, its dim light illuminated his face, revealing his angry expression. He clenched a vase in his hand, ready to use it as a weapon.
"Who the hell are you? What are you doing in my house?" the man asked in a harsh tone.
I was taken aback by his hostility and confused as to what was happening. "I-I live here. This is my house," I stuttered, trying to comprehend the situation.
The man didn't believe me and continued to threaten me. "Get out of here before I beat you to a pulp!" he yelled, raising the vase threateningly.
Amelia, still in shock, reached for the phone and dialed the police. I tried to reason with her. "Amelia, it's me, your husband. Don't you recognize me?"
But she remained silent, her eyes filled with fear and confusion.
I slowly backed away, trying not to provoke the man any further. As soon as I was out of the room, I ran down the stairs and out of the house, still in disbelief and shock.
As I waited outside for the police to arrive, I couldn't help but wonder what was going on. Why didn't Amelia recognize me? Who was that man in our bed? The whole situation seemed surreal and terrifying.
I had spent a sleepless night, sitting behind the bushes and watching our house like a fucking stalker, trying to make sense of what had happened. As the sun started to rise, I saw movement at the front door. My heart racing, I watched as my children, looking disheveled and tired, stumbled out of the house.
I was relieved to see them, but my mind was still reeling from the events of the previous night. I watched as they walked down the street, probably heading to school.
As they disappeared from sight, I saw the stranger again, leaving the house. This time, however, he was alone. My heart sank as I realized that he must have left with Amelia.
I continued to watch from my hiding spot as they said goodbye to each other, kissing passionately. I could feel my anger and sadness rising again, but I didn't know what to do.
Finally, the man left and Amelia stood alone at the door, then she went inside. I knew I had to confront her, but I didn't know how to start. I approached the door and knocked.
She opened the door and seeing my face, she wanted to shut it but I stopped it with my foot.
"Amelia, what is going on? Who was that man?" I asked, trying to keep my voice calm.
I tried to reason with her, but she just kept screaming at me to leave her alone.
"Amelia, please, I just want to talk to you. We need to figure out what's going on," I pleaded, but she wouldn't listen.
As we stood there arguing, a woman walking her dog stopped not far from us. She was one of our neighbors.
I could feel her eyes on me, judging me, and it made me feel even more helpless.
Amelia turned to the group of strangers and yelled, “Mrs. Parker, this man is harassing me! Call the police!"
I looked at the woman and asked if she recognize me. She told me she had never seen me. I tried to convince her that I was James, her neighbor but she did not believe me and she was despising me.
I approached the woman standing on the sidewalk, hoping to start a friendly conversation.
Although she was a cold woman, we knew each other. As I got closer, her dog started barking at me wildly and I noticed a strange look in her eyes.
"Hey Mrs. Parker, you know me, don’t you? I'm James, your neighbor," I asked, a friendly smile on my face.
The woman looked me up and down, sizing me up. "I'm sorry, I don't know who you are," she said coldly, with a hint of suspicion in her voice.
I was taken aback. "What do you mean? We live on the same street. I see you all the time," I replied, my smile fading.
"I'm sorry, I don't remember you," she said again, this time more dismissively.
I felt frustrated and a little hurt. I didn't understand why she was being so unfriendly.
"Are you sure? Maybe we've met before at a community event or something," I said, trying to jog her memory.
But the woman just shook her head. "No, I'm sure I've never seen you before," she said firmly.
“Is everything all right?”
I turned to face him and was relieved to see a familiar face. "No, everything is not all right," I said, my voice filled with anger.
“Do you want me to handle this ladies?” he asked, his muscles bulging as he prepared to confront me.
“It’s all right, I’m leaving!” I said and walked away.
“Never dare to come back!” Amelia shouted after me.
The next place where I was going was my school. I hoped my colleagues would help me out of this nightmare. I approached a group of teachers who were chatting in the hallway. They looked at me strangely, like I was an intruder.
“Hey guys, you won’t believe me what’s happening to me!”
One of them, Ms. Johnson, spoke up. "I'm sorry, your name is?”
“No, no no. Please no. You really don’t know who I am?”
“Are you sure you're at the right school?"
I was getting frustrated. "Yes, I'm sure. I've been teaching here for five years. How could you not know me? I am James Hall, for fuck’s sake!"
Another teacher, Mr. Chen, spoke up. "Look, buddy, I don't know what your game is, but you need to leave before we call security."
I was shocked. "My game? What are you talking about? I'm not playing any games, I'm James! Can't you see that?"
Ms. Johnson approached me and spoke softly. "Listen, maybe you should take a break and see a doctor. This doesn't seem normal. James is teaching in room 101!"
I burst into the classroom, the door slamming against the wall as I kicked it open. My eyes were locked on the man explaining something to the students. He looked up at me and recognized me instantly, I could sense his fear. I ran towards him, pushing him onto the table and grabbing him by the neck.
"Who are you? Why are you doing this to me?" I shouted, my voice trembling with rage. "Tell me the truth, or I swear to God I'll kill you!"
The man gasped for air, struggling to speak. "I-I don't know what you're talking about," he stammered.
"Don't lie to me!" I growled, tightening my grip on his neck. "I woke up this morning and my life was gone. My wife, my kids, my job, everything. And now you're standing here in my place, pretending to be me!"
As the fight broke out in the classroom, the students were taken aback and quickly stood up from their seats, some of them even backing away towards the walls. Some students were shouting and screaming, their voices echoing in the classroom, while others were gasping in shock. A few brave students tried to intervene and break up the fight, but they changed their minds for some reason.
Others were frantically pulling out their phones to record the incident, capturing the chaos unfolding before them. A sense of fear and confusion hung in the air as we continued to grapple with each other. It was clear that they did nobody recognize me either and they had never witnessed anything like this before. The sight of our violent altercation left them feeling vulnerable and scared.
The man's eyes widened in shock, and he tried to speak again. "I swear, I don't know anything about that. I'm James Hall as I told you!"
"Prove it," I demanded, releasing my grip on his neck. "Show me some ID or something."
The man fumbled in his pockets and pulled out his wallet. He handed me his ID card, and I studied it closely. It looked genuine. It was his face and the name James Hall.
I sighed and stepped back, still trying to process everything that had happened. "I'm sorry," I said, feeling a twinge of guilt for attacking him. "I guess I just lost it for a minute there. I am not sure who I am anymore."
I sat in the interview room, my heart pounding in my chest. The walls were a drab gray and the only sound was the humming of the fluorescent lights overhead. I could still hear the echoes of the fake James Hall in my head shouting at me “I will fuckin’ kill you!” at the arrival of the police. Finally, the door creaked open and the officer walked in. He had a stern look on his face, and I braced myself for the worst.
"I know what you've been doing," he said his voice firm. "You've been stalking that family. We could charge you with stalking and physical assault, but Mr. Hall has decided not to press charges. This is your last chance. If we catch you again, you'll go straight to jail."
I felt a wave of relief wash over me, but it was quickly replaced by a sense of unease. How had I ended up in this situation? The detective's words echoed in my mind, and I knew I had to tell him the truth.
"I understand," I said, my voice shaky. "But there's something you need to know. I didn't mean to stalk that family. It's all a mistake."
The detective's eyes narrowed. "What do you mean?"
I took a deep breath and began to explain my story. I told him about the fake Mr. James Hall, who had taken my identity and left me with nothing. I told him about my desperate search for answers and how it had led me to confront that man. But as I spoke, I could tell that the detective didn't believe me.
"That's quite a story," he said, his tone skeptical. "But it doesn't change the fact that we can't identify you. You're not in the system. So why don't you tell me the truth?"
I felt a cold sweat break out on my forehead. I knew that if I stuck to the same story, I would end up in jail. So I made a split-second decision.
"I'm homeless," I said, my voice barely above a whisper. "I don't have any ID or anything like that."
The detective looked at me for a long moment, then nodded. "All right. But I'm warning you, if we catch you stalking that family again, you'll be sorry."
With that, he opened the door and motioned for me to leave. I stumbled out of the interview room, my head spinning. I had narrowly avoided jail, but at what cost?
I spent most of my days wandering the streets, feeling like a complete outcast. The homeless shelters I stayed at provided only temporary relief from my misery.
While staying at the shelter, I was grateful to have access to the Internet. I eagerly logged onto websites such as Facebook, Reddit, and online banking, only to find that all of my accounts no longer existed. As I perused my wife's Facebook profile, I was taken aback by the appearance of a new husband in her photos. It seemed as though they had always been together, and the images portrayed a convincing picture of happiness between them. Super weird and creepy. My accounts on the other hand had been wiped out of existence, and I was forced to register new accounts from scratch. Even my government-related accounts were invalid, leaving me feeling as though I had been completely erased from this world.
Since I was nonexistent, I occasionally took up odd jobs like washing cars or doing dishes in kitchens.
But most of my time was spent watching my own house from a distance in disguise, trying to get a glimpse of my family. A few times, I was tempted to break in and try to find something like my old belongings if they existed but they installed an expensive security system.
I remember watching my children as they were walking to school with their backpacks on. I couldn't resist the urge to approach them, to see if they would recognize me. I felt like a monster, a complete stranger in my own family's life. I knew I had to keep my distance, to avoid causing any more trouble. I could also see that man as he gave me a kiss to my wife and went to my workplace by my car to my classroom to be with my students. I couldn't help but feel a surge of anger and jealousy.
Then one day, after a week of staying away, I paid another visit to the house. As I was standing at a distance from my house, something strange caught my attention. The husband was outside, standing awkwardly and appearing to be in a state of confusion. He was hiding behind a tree, peering out from time to time at the house, and wearing only a robe. I wasn't sure if he had spotted me, but I felt a knot form in my stomach. What was going on?
As I tried to make sense of the situation, the front door of the house suddenly opened, and a man I had never seen before stepped out. He gave a quick goodbye kiss to Amelia, the wife, before rushing off to work.
The husband lingered outside for a few moments longer, and that was when he finally seemed to notice me.
Our eyes met, and we were just standing there, speechless.
^More

submitted by greg0525 to DarkTales [link] [comments]

2023.03.21 18:57 thequantumlady [NY] The product I'm working on can cause minor harm to people but the legal department doesn't want to disclose it. What should I do?

I work on a product that can induce motion sickness (MS) in certain types of people. Part of my current work as a researcher is to determine how often certain types of people experience MS with the product so that we can measure the success of certain preventative interventions and tailor our offerings accordingly. Which I think is good; we should definitely work to make less people potentially feel sick.
The problem I have with this is that the marketing/sales/legal department is not interested in disclosing to customers that they may potentially experience motion sickness when using this product. I believe the logic is that by warning them about it, we're admitting to knowing the problem exists, and are therefore liable for issues people have with the product. So if we claim ignorance, it's not on us?
Personally, though I'm not a lawyer, I think that logic is backward. We should inform people that they might experience motion sickness so individuals who already have motion sickness or other related problems can make an informed choice whether or not to use our VR product. If they know it's a risk, they were informed of the risk and chose to proceed anyway. Especially because I'm sure my job would prove it exists in litigation, if anything.
Would that impact the sales of the product? Maybe. But I think our reputation is going to be hurt more by customers who don't know, have bad outcomes, and then return the product.
I'm concerned that by working on this project, which seems like it could be helpful in solving the problem, that it somehow makes me complicit in allowing the company to sell a product they already know can cause MS. MS may not be serious on its own, but even in trying to schedule participants for my research, I have concerns about them being able to drive home safely (if the worst were to happen).
I've already been working on other aspects of this project for a few years before discovering how much of a problem this really is through my current research (the company would claim less than 20% incidence when customers bring it up but my current findings are more like 70%). Now I'm concerned I might be somehow liable, especially if I mention the type of work I've done in job interviews so I can escape this job.

submitted by thequantumlady to legaladvice [link] [comments]

2023.03.21 18:48 bigdickwalrus trapcode form help- animating offset of a halftone effect

Hello lovely talented people-
So I'm in the midst of learning trapcode form, I have a nice array that i'm happy with the look of, but I'm having trouble figuring out how to animate the offset of the dots without the entire source/frame/window moving as one unit. I figure this HAS to be possible on such a monster plugin, I know i'm missing something-
I want it to retain the radial gradient but animate the offset just enough for the dots to feel alive, similar to the offset effect of aescripts m's halftone plugin. Looking for the offset to appear to be headed in the upper-right-hand-corner of the screen.
Hope this makes sense, I really appreciate any/all help.
image for context:
https://preview.redd.it/k97gp9o3r4pa1.jpg?width=3840&format=pjpg&auto=webp&s=c17be75c650ab016db4d0a2a68567d972070676a

submitted by bigdickwalrus to AfterEffects [link] [comments]

2023.03.21 18:47 Colt_Leasure I stayed at the Cecil Hotel.

The Stay On Main hotel, referred to by its former title of the Cecil, stood tall before me. Its brown brick front loomed. I walked through the main entranceway with my suitcase in hand.
I made my way into the empty lobby and approached the front desk. The inside had glossy black and white tile flooring. Stanchions with red ropes led to the check-in counter.
The clerk looked up at me from his phone with a side-eyed glance. He had wavy blonde hair and blue eyes. He resembled a surfer more than he did a night manager.
“I’m looking to stay here for a week,” I said as I handed him a wad of cash.
“This is an affordable housing unit for the homeless,” he said. “You’re well dressed and have an Irish accent. I’m guessing you’re a journalist or documentary filmmaker. Either way, it wouldn’t feel right to let you stay here when you can afford somewhere else. You’d be taking up space someone of greater need could use.”
“This should erase guilt,” I said as I handed him another stack of hundreds.
The man accepted the bribe and stuffed it in his shirt pocket. He then slid a room key over to me after I gave him a false name and a credit card that did not belong to me. He mentioned the complimentary breakfast available in the morning.
“I’m Scottish by the way,” I corrected him as I made my way onto the elevator.
There were fifteen floors and my room was on the fifth. I pressed the button. The sounds of the creaking wires holding the platform stable reverberated above.
It dinged and let me off. I went down the hallway, which had wooden ground and drab white-painted walls.
I entered my room and saw it was not much better than the corridor. There were a few places I had stayed at with my wife around Loch Lomond far above such a decrepit den as this.
The first thing I saw was the view of skid row outside. Its wandering figures resembled the madhouse painting by Goya. Street lights, neon, and litter were everywhere.
The desk drawer had the to-be-expected Bible. Shock coursed through me as I saw the completed works of Alfred Tennyson next to it. A highlighted passage got my attention:
‘and this gray spirit yearning in desire to follow knowledge
like a sinking star, beyond the utmost bound of human thought.’
It was well-known that Tennyson was a part of my agency when the organization was first founded.
I laid my piece of luggage on the bed and opened it. I took out a leather-bound journal, an EVP recorder, external microphones, and a few mini cameras. I placed the items in each corner.
I waited and retrieved my ledger. I scribbled about my findings later in the morning.
EXCERPTS FROM FIELD NOTES/SURVEILLANCE MONITORING, FEBRUARY 16th AT 0439 HOURS:
There is a streak of blood underneath my mattress. It is faint, very old, and would not even be noticeable to the average eye due to its faded quality. I would not have found it had I not spotted and attempted to kill a roach that scurried across the carpet. The insect has disappeared. I presume it to have fallen between the cracks into another dreary unit below. I have not observed strange or unusual sounds within my space in particular. I have not seen any visions, ethereal or cerebral, which would sound any alarms. Screaming, honking horns, and drunken babbling seep through the boundaries. The wind seemed to flow through the rafters at an unusual pace around those noises. By that, I mean it whistles a song of its own in perfect rhythm.
*
I awoke the next day to the sound of my phone. It was the landline in the room. I answered it and pressed the receiver to my ear in a groggy state, entangling my neck in the wire.
“Meet me at the Civilization Cafe,” a familiar woman’s voice said. My response would have been irrelevant since it was an order and not a question. I placed it back on the hook and managed to get out of bed.
I showered, dressed, and made the walk to the coffee shop.
Dani sat outside with a steaming mug in hand. She did not acknowledge me with anything more than a quick nod as I took a seat across from her. She scanned her surroundings to make sure no one was within earshot.
“Why did you rent the place for a week?” Dani asked between sips. “We agreed on one night.”
“You know why,” I said. I tried to remind myself to remain assertive without being hot-tempered. I did not want a write-up for insubordination.
“We need you to find out what’s wrong with this place," she said. "Report your findings soon. Otherwise, what happened to the last occupants could very well occur to the next civilian.”
“Please don’t put pressure on me like that,” I said. “Catching a poltergeist in a place with so much suffering is almost impossible. It's like summoning the ancients and asking them about the order of their calamities.”
“Could you at least streamline it by sending us emails instead of relying on a pen and notebook?” Dani’s voice became an aggressive whisper. “We’re getting tired of hiring an administrator to sort out your papers. Keeping your intelligence on point is a full-time job.”
“Writing it out by hand gives me a closer connection to the source material. I have to trust my way, or I’ll make mistakes by breaking my habits. You wouldn’t want that.”
She looked down the road. She finished her drink, slung her purse over her shoulder, stood, and pushed her chair in.
“Stay safe,” she said as she walked to a black cherry-painted Honda parked near the sidewalk. "Take care, Graham."
EXCERPTS FROM FIELD NOTES/SURVEILLANCE MONITORING, FEBRUARY 17th AT 0345 HOURS:
There has been one odd synchronicity after another. My window, accumulated so much mist that I reasoned it must have been pouring. Of course, it was bright out. Some of my filming devices have readjusted without me having touched them since set up. The towel rack in my restroom bent at its center. I guarantee it was not that way beforehand. I have taken this as a lesson to take photographs of every square inch of the place. This is for future reference in my studies. After observing these anomalies, my body fell into a lethargic sensation. I was reading a book titled The Origins of the World’s mythologies by EJ Michael Witzel before it fell out of my hands. As sleep enveloped me, something tendril-like moved in my periphery. It disappeared when I tried to stare at the illusions. I fell off of my mattress after having a nightmare of a lion chasing me through the Serengeti. I hit the floor. I looked to the side and saw a fog creep through the small crack at the bottom of my door. I went to investigate where this was coming from. I did not see anything as the remnants of the precipitation evaporated completely. In the hallway was an orange feline. She scampered away into a grimy stairwell.
*
I walked outside after I finished the report. I stepped into my rented vehicle and drove to a liquor store to pick out a bottle of whiskey. There were so many evenings when I was comfortable in my sobriety. This was no longer one of them. I had an uncontrollable urge to drown myself in the brown liquid that had been a scar on my life for so long.
I passed by a few markets that were teeming with too many suspicious people outside to risk going in. It took a while until I found one that was quiet and clean.
I went across the parking lot and saw a mural of Venice beach on the wall. It brought back memories of walking along the sands of Prestwick, with Lynsey.
Her eyes were emerald and her hair was darker than any cave I had explored in my youth. We had met at the Old College Bar in Glasgow at an age we kept secret from the bartenders with our fake IDs. We had a competition to see whose fraudulent driver's license was the most convincing.
I do not remember if I fell in love with her at first sight. I do recall being in disbelief that she even bothered to give me the time of her day. I can remember kissing her for the first time. The scent of her blossom honey perfume lit my body up.
I snapped out of my reminiscences and purchased a bottle of Glennmorangie blue label.
I was back at the Cecil in minutes. I imbibed two highballs and passed out. My tolerance level had weakened compared to the binging of my younger days. When I awoke, I analyzed what had occurred in the room during my sleep.
EXCERPTS FROM FIELD NOTES/SURVEILLANCE MONITORING, FEBRUARY 18th AT 0116 HOURS:
I am feeling hungover but alert. My 450-milliliter friend is half gone, but I am seeing straight right now without any problems. In other words, I am sober with a grudge. I hope my Supervisors at the Providence agency will forgive my conduct on the job. I do not believe they will blame me. A cobalt-hued smoke emanated from one of the corners. Jazz music is playing around me, whereas it never has before for the duration of my stay. It sounds so old and improvised. The notes are as unfamiliar to me as they would be to a new listener in the Flapper era. Worst of all is how out-of-tune it sounds. My tub has overfilled itself with brackish water. I have not even bathed yet, so I know that was not by my hand. A piece of the footage shows a silhouette moving across the room. Before it reaches my sleeping body, the camera lens shattered.
*
I ran out of pages and my hand cramped. I wrote new entries within the margins. I also started to hear things other than old tunes from a bygone era.
Human wails seeped in, each one more agonized than the last. Within a few minutes, I differentiated how there were two different voices. One male, the other a woman. I attempted to record them, but it was useless. All my mics picked up were static and the hum of the air conditioner, despite how they plagued my ears like tinnitus.
I lit a circle of candles and created a makeshift altar in the center of the room. I drew the circle with salt. I sat in the lotus position, closed my eyes, and endeavored to remain open to any visions. Seances were always my last resort.
I fell into a dream. I saw a couple, both from the decade of prohibition. They were lounging in the same room as me. The man had a copy of the completed work of Alfred Tennyson in his hands.
It all seemed like a peaceful scene until an argument commenced between the two. The man retrieved a blade from his vest and advanced toward her. He stabbed her. She turned the knife on him by gripping the sharp edge in her palms and hoisting it towards his midsection. He tried to claw towards the door, but failed and instead made his way under the bed.
EXCERPTS FROM FIELD NOTES/SURVEILLANCE MONITORING, FEBRUARY 19th AT 0026 HOURS:
I now realize I have not met my intended goal. I was hoping to receive some answers why my wife took her own life in this place. Instead, I came in contact with a murdered couple from the 1920s. They killed one another, but the woman acted in self-defense. Following research, I have learned the female is an ancestor of my departed wife, Lynsey. They share the same name. Her family immigrated here in the 1850s. She had mentioned this to me over dinner on more than one occasion. I never knew they had made their way here, to the exact spot I am sitting.
I am grateful to these organizations for allowing me to make an effort at settling this matter. I hope I have completed my duties with integrity. Unfortunately, I was unable to contact her. I will revisit this place one day soon since I have no intention of giving up.

submitted by Colt_Leasure to u/Colt_Leasure [link] [comments]

2023.03.21 18:46 Jaspercolinresearch Money screaming at Wall-street! The world witnessed Lehman 2.0 moment with the Credit Suisse sale.

The recent collapse of two major institutions, Silicon Valley Bank and Signature Bank, has dealt a significant blow to the US banking sector. This marks the second and third largest bank failures since the 2008 financial crisis. The implications of these events are alarming, with experts predicting that First Republic will be the next to fall as its stock plummeted by over 90% in the past two weeks. The impact of these failures has been substantial, resulting in a staggering $55 billion market cap wipeout for the four largest banks on Wall Street.

In response to these dire circumstances, the American government and global banks have rushed to protect their regional banking players with a $30 billion lifeline to First Republic as part of a rescue plan. Even the FDIC, the insurance safety net for depositors, has gone beyond its limit of $250K to provide coverage for SVB depositors, highlighting the sense of panic that has gripped regulators.

As if this were not enough, the collapse of Credit Suisse has sent shockwaves throughout the globe, fueling fears of a looming global banking crisis. Industry experts are pointing fingers at the regional banking players in America, warning of a massive crisis of market confidence as we approach the quarter end.

The inadequate control systems, coupled with risky portfolio exposures, duration bets, and depositor panic, have created a perfect storm that is shaking the foundations of the banking industry.

Jasper Colin's coverage via PitchPro and Watchdog on the crumbling banking systems is a stark reminder of the looming financial crisis that may be waiting just around the corner.

https://preview.redd.it/frgr82qnq4pa1.jpg?width=3125&format=pjpg&auto=webp&s=e2ae784f6b8214acd4109d0a53c8496f0398141f
https://preview.redd.it/woad24qnq4pa1.jpg?width=3125&format=pjpg&auto=webp&s=5be1ad9e733aa14515ef96e28ea044054f39c65f
https://preview.redd.it/vqwzv2qnq4pa1.jpg?width=3125&format=pjpg&auto=webp&s=8ae3934a6f4bbecab9e40689d71be30b7a3f0fd5
https://preview.redd.it/wjam53qnq4pa1.jpg?width=3125&format=pjpg&auto=webp&s=90af06267459f7095bd9e85e3b9eb8f7a6878214
https://preview.redd.it/gvnge3qnq4pa1.jpg?width=3125&format=pjpg&auto=webp&s=becc276ad23bfd8b881369d00a3277842e95bb8f
https://preview.redd.it/jwz5flrnq4pa1.jpg?width=3125&format=pjpg&auto=webp&s=fccfbb5f005ec57bd1b4911aec82bdd0aa54bd25
https://preview.redd.it/vfbwemrnq4pa1.jpg?width=3125&format=pjpg&auto=webp&s=fb73b6a190d60ac2c19afe2407de78ce20f3da08

submitted by Jaspercolinresearch to u/Jaspercolinresearch [link] [comments]

2023.03.21 18:32 viadeleft1987vm638r camel toes lycra teen thai Camel Toes Lycra Teen Thai – xxx sex m. Exchange 1 3/4 Food Advertising and Marketing Directed at Children and … TOUR OF BOOTY – Military Troops Operation Roundup Military Troops Operation Roundup mega Videos ms – Low My Sex PropertySex Very ...

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submitted by viadeleft1987vm638r to u/viadeleft1987vm638r [link] [comments]

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2023.03.21 18:20 Andre3000RPI Yahoo Morning Briefing

The Federal Reserve’s two main aims are to promote stable prices and full employment. At least, those are the goals that are typically most discussed.
At times of financial system stress – like now – one of the central bank’s other jobs comes into focus: “Maintaining the stability of the financial system and containing systemic risk that may arise in financial markets.”
With the collapse of Silicon Valley Bank and Signature Bank, the forced marriage of UBS and Credit Suisse, and persistent questions around the viability of First Republic Bank, the Fed is once again confronted with the need to ensure financial system stability.
Last week, the European Central Bank had a similar conundrum: should it stand pat on rates in light of Credit Suisse’s distress, and risk higher inflation? Or should it raise rates, and risk the Swiss bank’s troubles spilling over into the broader financial system?

It chose the latter. A lot of economists think the Fed will do the same when it meets on Wednesday.
‌
“Bottom line is we still have an inflation problem, and the Fed needs to continue to raise rates,” Paul Gruenwald, chief economist at S&P Global Ratings, told Yahoo Finance. “So, they’ve obviously got one eye on the financial sector, but we still think they’re going to go 25 basis points later this week. But the language should be sort of softer and slower.”
‌
Market participants are coalescing around that view, with the CME Fed Watch Tool showing a 71% probability that the Fed will indeed raise rates by a quarter percentage point as of 2pm yesterday, and a 29% chance of no change. (By way of comparison, a month ago there was zero probability of a pause, an 82% chance of a quarter-point hike, and an 18% likelihood that the Fed would raise by a half-point).
‌
Indeed, if the Fed did defy those predictions and pause its rate-hiking cycle, that could trigger more panic.
‌
If the Fed doesn’t raise rates, “that sends a bigger signal, then I would start to get more anxious,” said Michael Arone, Chief Investment Strategist, US SPDR Business at State Street Global Advisors, in an interview with Yahoo Finance. He’s expecting a quarter-point raise.
Beyond this week’s meeting, the outlook for rates gets more murky. After all, as TKer.co’s Sam Ro writes, in some ways what has happened recently with banks has actually helped the Fed, by potentially slowing economic growth and therefore inflation.
The danger there, of course, is the Fed continuing to hike in the face of that slowdown and heading into the proverbial hard landing. Concern over that outcome has ratcheted up to the point that the market has started to price in a small cut to rates by the June meeting.
Expect all of these predictions to be scrambled after the rate decision and Fed Chair Jerome Powell’s press conference on Wednesday.

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submitted by Osceolafence2023 to u/Osceolafence2023 [link] [comments]

2023.03.21 17:09 Ryanmccx1 20 interview requests in 5 days (do I dare?)

So, I managed to receive 20 interviews this past week. I am enthused but a bit tentative.
I have 15 years of experience in marketing, but I am a recent grad who returned to school to get his MS.
My question is:
Do I take the job offers at face value, or so I focus on school?
Dumb question and I already know the answer, but wanted outside input.
Thanks.

submitted by Ryanmccx1 to careeradvice [link] [comments]