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DalTxHornFan

Certifiably Surly
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Everything posted by DalTxHornFan

  1. Occam's razor (in reverse). My guess is that there is way more to this story than anybody is letting on.
  2. We stayed in a AirBNB yurt on a farm in north Maui, it was a cool place. All in all, we hated all of the traffic in Maui. We did Hana and actually took the forbidden southern and western road around the island. It looked like Texas ranch land mostly. We had a fun visit at the vineyard that mostly does pineapple wines. If I was a better golfer, I'm sure that I'd enjoy the great resorts on the western side of the island. I doubt that we will revisit Maui. Kauai and Big Island are our favorites.
  3. We're Texas! We need to stop giving up free bases on walks. Great to see EK coming back with the bat. Not our best infield, but our E's have not been egregious. There is no reason that the Horns don't have a good shot at beating any team they line up against the rest of this season.
  4. Omaha. Always Omaha.
  5. I like him even more, 2 outs.
  6. I like Tole thus far. 1 0ut.
  7. Never been there. Thanks for the warning!
  8. 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.)
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. DalTxHornFan

    TexMex

    El Tiempo is no bueno in my experience.
  17. This might be a useful resource: https://www.texasable.org/
  18. 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.
  19. Paper mills. Very seldom does the attorney actually interact with the client in these kinds of places.
  20. 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.
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