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DalTxHornFan

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Everything posted by DalTxHornFan

  1. DalTxHornFan
    That is nucking futs. You used to be able to get a couple of hookers and a ton of blow for that kind of money in East Austin! (Allegedly.)
  2. DalTxHornFan
    They don't cook at that location -- just ship it in from Lockhart. Terry Black's or (dare I say it) Lambert's would be a better choice. Tourists always have fun at County Line, as well.
  3. DalTxHornFan
    While not brokered, a CD ladder is what I have my 88 year old Dad doing. He has four CDs and he always enjoys going in town to the bank to flirt with the tellers to roll one over every 6 months or so. Simple and he always has ready cash -- which, thankfully, he never needs.
  4. DalTxHornFan
    If you have issues with management, it is kind of difficult to get past that in an overall rating about a financial institution's safety and soundness.
  5. DalTxHornFan
    Anyone looking objectively at the embedded losses in the HTM portfolio vs. the stated equity of the bank would/should have smelled a rat. It was out in the open in the KPMG audit report issued only days before SVB was closed.
  6. DalTxHornFan
    I find it amazing that the bank operated so long without an incumbent ALCO officer. I know that I've mentioned this upstream, but asset/liability matching is banking 101. The current interest rate environment did not happen overnight. An ALCO officer or committee that wasn't asleep at the switch would have had time to respond to the problem.
  7. DalTxHornFan
    The CAMEL system's objective is to evaluate the "safety and soundness" of the financial institution under examination. The overall CAMEL 3 rating indicates "below average" and triggers "regulatory concerns" about the financial institution.
  8. DalTxHornFan
    Significantly increased regulatory attention in 2022. Declined ratings in the 2022 regulatory examination. SVB was a known problem. Fed didn't do much about this, it would seem.
  9. DalTxHornFan
  10. DalTxHornFan

    TexMex

    DalTxHornFan replied to Smax's topic in Houston

    El Tiempo is no bueno in my experience.
  11. DalTxHornFan
    Obligatory: What's his Surly handle?
  12. DalTxHornFan
    This might be a useful resource: https://www.texasable.org/
  13. DalTxHornFan
    Truth be told, the billboard guys like TJH, The Texas Hammer, and whoever else is buying a billboard this month are just the same. Paper mills.
  14. DalTxHornFan
    Paper mills. Very seldom does the attorney actually interact with the client in these kinds of places.
  15. DalTxHornFan
    Don't know her personally, but what she says on her website directly fits the bill of what has been discussed upthread. She has a special needs kid, so this kind of stuff would be personal to her.
  16. DalTxHornFan
    Isn't it a bit chickenshit for TSU to be stealing bases when down 18-2 in the last inning of the game?
  17. DalTxHornFan
    Not so fast, my friend. Never, ever underestimate the creativity of contingency fee plaintiff lawyers!
  18. DalTxHornFan
    That article pretty much blows the premise of eliminating humans anytime soon. Most commercial jets are semi-autonomous these days, too. I don't see the commercial pilots going away anytime soon.
  19. DalTxHornFan
    Until today, I had no idea that Elon posted on Surly.
  20. DalTxHornFan
    My son got that book for me on Father's Day a couple of years ago. It changed my approach (and my fear) of taking on a brisket for a party. I used to always just do pork shoulders and sausage because I knew that I had those dialed in. Brisket was always hit or miss. Franklin's method on brisket has worked every time since then.
  21. DalTxHornFan
    That stuff looks pretty -- cannot imagine wanting to eat any of it!
  22. DalTxHornFan
    There was likely way more "Me no Alamo" said on that day! Here's to Texas!
  23. DalTxHornFan
    ^This. WTF?
  24. DalTxHornFan
    When his kids were little, we saw them a couple of times at Sunday brunch at Chez Zee. It was obvious that the table next to them was his security crew. Great to be way rich, but what a pain to have a need for private security when you take your wife and kids out for brunch!
  25. DalTxHornFan
    As they shouldn't! I seem to recall 28% being the magic number in the early 1980s.

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