52-80

Nice vette

on UT campus... Pat Green.

"Derek hand me my billy club"

Buy it subscription so you can get it more fresh. Better yet, it might even be roasted on demand. I buy from regional small-batch brewers so stuff is always just days old, which is especially for espresso to create pressure support from CO2

It must truly be 'late stage capitalism' when yuppies call a company evil for enabling people access calorie-dense food with macronutrients for $1, because a lifelong alcoholic decides to binge 2.5x the recommended intake and wash it down with a side of whiskey.

what skills are working skills?

Get a modded seiko then you could customize it to the color scheme of his high school, college, whatever https://www.seikomods.com/noob-centre/

yall know if you make foreign-currency spend with chase cards, does that count towards the threshold for spending bonuses?

Im not trying to hate but late 50s is a bit old to still be attending college

I cant believe that in my lifetime ive had to regularly whip out the checkbook to make paper payments and even have to balance that motherfucker by hand. That was some stoneage shit.

you guys heard of the whistles that go WOOOOOOOOOOOOOOOOO?

I used to be with ‘it’, but then they changed what ‘it’ was. Now what I’m with isn’t ‘it’ anymore and what’s ‘it’ seems weird and scary. It’ll happen to you!

earned his street cred

move the clip to a different wall to see if she follows

a golf club is a rigid stick you thwack a ball with at 100mph ... it aint exactly fine china. ETSU are concerned about the wrong thing

is arrived. much pleased.

I get that the generic nature of professional services work (accenture, ey, pwc, etc) means their public advertisements are necessarily jargoned and empty. the real point of the advertisement is only brand name reinforcement. but still…its so ridiculously vacuous. on the bloomberg radio network theres an add for deloitte that goes something like this: ”[narrator] want to understand what machine learning and artificial intelligence is all about and how it can turbocharge your business? here’s deloitte head of technologies priyanda to help explain: [heavily accented woman] we have found AI to be such a powerful driver across a multitude of corporate domains. for example, in shipping, AI can give the answer about efficiencies in planning to accelerate execution. in b2c interactions, AI models give staff the right answer in the right context to help enrich customer dialogs. its a game-changer [narrator] enhance and empower your capabilities. learn all of this and more, go to deloitte.com slash assqueef. my eyes roll back behind my head in 3 full circles

Theres some ‘real money’ underpinning the cryptosphere so its not all hot air. FTX bankruptcy administrators recently found enough assets to make all their creditors whole. Turns out, 70% of the value of the claimants were held in USD/equivalents, so account holders will get back what they were owed AND interest in top (some $1.18:1 in net). The remaining 30% tied to crypto will be paid according to value at time of bankruptcy. So if held in BTC…they would recover in cash what they *had* — but which is a mere 1/3rd of todays market value. Pretty amusing end to the story.

Wife is teaching kid a common trick she learned growing up of how to doodle a snail. 🐌 Im gonna laugh if he repeats it poorly at daycare and we get questions from the teachers…

All the credit number are rates, so already normalized for population. Fig 21 (hypothetical coverage of emergency spending) is nominal. $400 was ~$550 in 2013….but the current survey found that the response was insensitive to the a $500 question anyway. Since 2013, when this question was first asked, median household incomes increased as did consumer prices.To check how changes in price levels affect responses to this question, the 2022 survey asked one-fifth of respondents how they would handle a $500 expense instead. Changing the threshold only altered the share who would pay in cash by 0.5 percentage points, suggesting that shifts in the price level have not materially affected the trend in this series.

Census’ home ownership is defined as owner-occupied. Otherwise, every house is owned by someone (private or corporate landlord) and the measure becomes meaningless. No heavy math required. see: Tenure https://www2.census.gov/programs-surveys/ahs/2021/2021 AHS Definitions.pdf Whatever number of people admitting to skipping medical services could be construed as “bad”. Even 5%. The important thing is to put it in context. The current answer is lower than when the survey first started — post Obamacare, btw The speculation about the statistic masking people using credit card to cover lack of true liquidity: (1) survey specifically conditions on “credit card **paid off** at the next statement and (2) importantly, the criteria were identical in the previous years when they asked the same question. The occams razor answer as to why there is a divergence between peoples response about their own finances vs external finances as a whole….is they know reasonably/relatively well about their money, and they simply they dont know shit about the economy. Thats not even meant to be disparaging. Its well evidenced here and pretty much undisputable. People dont key into anything besides headline prices (mostly of gasoline), and headline news print. More than that, their assessment of economic conditions are primarily a reflection of whether their party is in government. (A hilarious effect replicated in every country/jurisdiction in the world). ** If we simply lean on anecdotes to start this convo, ill end it with one. My own dear wife with a graduate degree in science and whose earnings grew 50% over last few years…if i asked her if the unemployment rate or stock market was up or down YTD she’d have no idea. If I asked her whether the central bank’s policy rates have been rising or dropping she’d look at me like I’m pranking her. If I asked her whether the economy is better or worse, she’d probably say worse….because milk costs more.

Home ownership rate is stable multi-decade (some 66%). Median credit card utilization all time steady (10%). Delinquency rate is all time low. Unpaid rate and balance is like 1%. You dont need to be a math guy to find that. “But its because they lie to surveymonkey”. Okay, but they selectively lie on different things at different rates at different times? Dont drink the doomerjuice.

Mercedes-AMG CLA 45 S 4MATIC+ Coupe sends its regards