Gen korean bbq price per person

[NM] Jazz Club (10312) - 100 spots @ $3ea

2023.03.21 22:21 daisho87 [NM] Jazz Club (10312) - 100 spots @ $3ea

Item Name Set Number: Jazz Club (10312)
Lego Price: $229.99 + $20.47 tax = $250.46
Shipping: 10lbs, 24 x 20 x 7, 99016 to 33136 UPS Ground = $53.10
Raffle Total/Spots: $300 / 100 spots @ $3 each
Price justification: Lego.com
Call spots: Yes
Spot limit per person: No
Duration of spot limit: N/A
Location(Country): USA
Will ship international: Sorry - Not on this one...
Timestamp pics: https://imgur.com/a/LEjFQaQ
Description: I have a feeling that very few of us are cool enough to go to a real Jazz Club, so own the next best thing!
Payment required w/in 15 minutes of raffle filling. 10 minutes for drama.
DO NOT ADD A COMMENT TO YOUR PAYMENT; IF YOU HAVE ANY QUESTIONS, PLEASE MESSAGE ME BEFORE PAYING;

PayPal Info: PM me
Cash App Info: https://cash.app

Tip BlobAndHisBoy
Number of vacant slots: 100
Number of unpaid users: 0
Number of unpaid slots: 0
This slot list is created and updated by The EDC Raffle Tool by BlobAndHisBoy.
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2023.03.21 22:18 HinamizawaVictim Seeking Tips/Advice on how to approach stores when buying Appliances (GTA)

I know there have been various threads on this over the years, but I figured some further insight or advice would be great to have. I've tried to provide as much details as I could think of, but feel free to let me know if anything more is needed.
I'm currently looking to replace the electric stove/range and the dishwasher in my parents' house, based in the GTA.

The range has been there since we moved in over twenty years ago. Two of the burners no longer work + the glass stovetop is cracked, and a repair person determined that replacing it would be better money spent than repairing it. They'd want an electric glasstop one only: no gas or induction.
The dishwasher that came with the house was always faulty and this household has been hand-washing dishes all these years (that's 1st-gen Asian households for you). My sister's young kids have added to that and I've decided that a functional one is finally needed.

My questions are not about what brands to select (I've done the research on that, and man is it depressing that most appliances aren't built to last nowadays) but to how to approach the big box and appliance stores (asides from being friendly but firm, and not being a Karen):
Questions:

What are things to be wary about when I hit the stores? It seems like extended warranties are not worth it (and I'm waiting for a new CC to come in that would offer that anyway), and that I'll likely have to pay delivery & possibly installation/removal of old appliances with most shops unless they have a promo.
I heard there is room for negotiation at appliance stores, and I noticed that most appliance stores are doing sales right now. Would they have less wiggle room for negotiating during sales? I also assume that I may need to play the price matching game, but how much of a discount can I reasonably expect (or is considered fair to both parties) for buying both appliances at one place, whether during sale season or normal non-sale periods?
When scouring GTA stores so far, I came up with Home Depot, Costco (would need a membership/convince a family member with one to go with me + no negotiation IIRC), Best Buy, Lowe's, Canadian Appliance Source, Coast Appliances, The Brick, Leon's and Tasco/Goemans. Any positive/negative experiences from the ones mentioned, or are there any others in the GTA that should be considered that I missed? Would you go with a big box store or one of the specialized appliance stores/chains?
I do intend to keep an eye out for open box/floor models, and I know most of the above would have some depending on location. Does anybody have experience with appliance outlets in the GTA?

Thanks in advance!

submitted by HinamizawaVictim to PersonalFinanceCanada [link] [comments]

2023.03.21 22:17 mathfreakazoid [Mini] Wall-e, Frodo/Gollum, and Hogwarts grand staircase - 48 spots at $2/ea

Item Name Set Number: EVE & WALL•E 40619, 40577 LEGO Harry Potter Hogwarts Grand Staircase, 40630 LEGO BrickHeadz The Lord of the Rings Frodo & Gollum
Lego Price: $32 W/Tax + 48 BE =80
Shipping: $16, 12x8x6, 2lb, USPS Priority Insured 100$, 02861 to 98038
Raffle Total/Spots: $96= 48 spots x 2$
Price justification: Lego
Call spots: Y
Spot limit per person: N
Duration of spot limit: N/a
Location(Country): USA
Will ship international: Y, winner outside conus pays difference
Timestamp pics: https://imgur.com/a/9QVMiGk?s=sms
Description: Wall-e and Eve, Frodo/Gollum, and Hogwarts Grand Staircase GWP.
Payment required w/in 5 minutes of raffle filling.

PayPal Info: https://www.paypal.me
Cash App Info: https://cash.app

Tip BlobAndHisBoy
Number of vacant slots: 33
Number of unpaid users: 1
Number of unpaid slots: 4
This slot list is created and updated by The EDC Raffle Tool by BlobAndHisBoy.
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2023.03.21 22:03 SeaworthinessMany39 Daytime Sauces with Chef Elizabeth Whitt

We have a fabulous selection of boutique California wines available for purchase that are personally selected by our owner and chefs. Prices start at $6.00 per glass and range from $13 to $30 per bottle.
https://prepcookingclasses.com/class-calendafriday-march-3-daytime-sauces-2-with-chef-elizabeth-whitt

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2023.03.21 21:58 jfunkyfunk Following the announcement, I have compiled the questions and answers from the Q&A session in the Discord

Following the big announcement, Kuru and the Dev team did a Q&A session regarding the announcement and what it means for the future for the service on their Discord. I have compiled the questions here.

Like ChatGPT?
yup
I don't think NAI owes anyone anything tho? They own the cluster outright, as far as I understand
It's ours to use how we see fit
You gonna restrict the output content to anything?
nope
Where are the cluster being located? Which legal jurisdiction?
US, it's coreweave
Do you plan to make more specialized models for text/image gen than we currently have?
yup models from totally scratch
Will it be comparable in power to GPT3 or 4?
3.5
Does that include image models?
yes
How does that damn thing even cost?
a lot :D
Are you focusing on story-telling still, or also AI assistant tasks like GPT does?
We will have a general model that can do both of these things very well
how the fuck, sponsors?
NAI is big, our own money, no investors
how long do we think the training will take? is it going to be available by the second half of 2023? or would an estimate like 2024 be more realistic?
not 2024, it will be fast with the H100s
does Anlatan plan to contribute to Open-source AI research?
we already did before, we do time to time according to what the context is
Is there any rough estimation (can even be off by weeks or months) how long it would take to train a model the size of Krake or the size of GPT-3?
a krake model would take a week or so i think
Which H100s are you using?
we have the SXM5s
Is that training, fine-tuning, or both?
training from scratch
are the H100s just for training or also inference?
both
Would this mean that NAI can have models bigger than 20b?
better and bigger
Are we gonna see any big subscription price changes upcoming?
We didn't plan anything like that
Will there be any cap or quota per houday when it releases?
Hopefully not? I mean likely not lol. I don't see why we would need that.
The pricing model already seems a bit "the only worthwhile sub tier is Opus" and every other tier just seems to funnel into Opus.
I think we will make all tiers very attractive
What if bots start using your service and spamming requests?
We already do have that happening and have rate limits for bots.
Any plans for bigger models?
Bigger and better models, saying better because training for more data matters more at this size regime than actually scaling up much more
You mentioned not having as much transparency about model training. But will you have a public link to watch a model train live once you've committed to training? Like how the 20b model had a page where you could watch it train live.
probably not?
What does this mean for Sage's dream of the ultimate dungeon experience?
he will have it
Does fp8 training work well for LLMs?
yup, already integrated
Will photorealism be a focus for an image gen model? Or can we be expecting better models catered to what we have now?
planning more photorealism over time more options
They are not using pilev2. they're using their own dataset tuned specifically for their use cases.
Have there been any external pressure from outside groups to encourage you to implement any kind of filtering on generations?
No
Did you and Eleuther decide to release these news together, or is this just a coincidence?
Coincidence
If you train a new bigger better awesome model - what will you name it?
We didn't decide actually
They are training the models currently.
Curious how that amazing Coreweave deal was negotiated. A lot of AI companies would kill for that kind of deal.
We are very close with coreweave
Will future models be accompanying text generation with relevant image generation for stories?
thats a UI thing
Are you training the new model from scratch? Or off of something like llama
Scratch
Will the new/future models be under the highest payment tier like Krake? Or will they be available for Scroll and Tablet?
There will be new models for all tiers
Are you also planning on updating TTS as well as in addition to Text/Image gen?
at one point we probably want to but we haven't planned anything
Are you thinking of replacing your current models fully with your own trained ones?
yes
Would the free trial use Euterpe then? Instead of Sigurd?
free trial already uses euterpe
Any idea if the datasets you guys have would train models with a stronger grasp on the details of niche pop-culture universes than GPT-3/4 or whatever character.ai is running?
dataset has a bunch of data about pop culture/characters yeah
I understand the lack of transparency in regards to the development of new models, but is there any plans to improve communication in general regarding the service?
We hope to do more showing than talking if we can.
Does this announcement mean NovelAI will be out of beta soon?
idk why we are still in beta honestly so one day
Will you keep the legacy options available?
yup
Okay, so if I'm getting this right, besides new image models, we're getting new text models for AI storytelling?
yes
Are you prioritizing one over the other as of right now?
working on text models right now, but we worked on both
I heard that code in the dataset gives a chain-of-thought abilities to the modell. Is 3% enough for model to have those abilities?
We will see I guess. We have some CoT in the dataset as well
I hope old ones will be not forgotten and updated too?
why would they be updated
Will there be bigger context size?
yes
How expensive will the tiers become?
We didn't plan price changes
Any plans how much it'll increase or is that more a "We'll see what will be worth it" thing?
We'll see but I want to push as much as I can, not giving the full plans here yet
Will this announcement mean any new image models or is the focus going to be primarily on text?
Both, working on text right now.
Will NAI be open to exploring music models in the future?
It's too risky.
I know you mentioned you haven't looked into TTS updates, but hypothetically speaking if you had would you be able to allow us to upload our own voice samples to train or is that too much of a legal minefield?
I would like to not do that.
Due to your partnership with Nvidia will you have a filter?
We are just paying Coreweave for the cluster. We don't have a direct partnership with Nvidia or whatever. It's all funded by us.
Is it possible that the textgen side of NovelAI could have official documentation in the site itself similar to ImageGen?
We are planning to do this.
Textgen is going to get updated... right?
Yes.
Will custom modules be removed?
No.
Do you all maintain your commitment to privacy for textgen?
Yes please re-read the announcement blog
Will the new models be able to code?
to a degree yeah, but they don't have much code in the dataset
Will we be getting a mobile app soon? Is that still in the plans?
For full NAI? No.
Will the website become more mobile friendly?
Yes.
Are Krake modules dead because new models?
Krake modules are not dead.
Will the new model be able to do furry stuff better?
I can guarantee this.

I, for one would say that I'm extremely excited at the announcement and can't wait until we can get our hands on what the devs have been cooking.

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2023.03.21 21:58 sophia-avon U.S. stocks were up 1% at the beginning of the session. First Republic Bank rallies 36% from new lows

On Tuesday, March 21, the market panic over the banking crisis in Europe and the United States has subsided, the focus back on the Federal Reserve and the Bank of England monetary policy.

U.S. stocks opened collectively higher, the three major indices opened up 1%, an hour later the gains have narrowed, Russell small-cap stocks rose 2% for the second consecutive day intraday.

European and U.S. bank stocks rose, the U.S. First Republic Bank led regional bank stocks by 36%, the stock yesterday's tragic cut and a record low. SPDR regional bank stocks ETF rose nearly 5%. Europe's bank stock index rose more than 4% to lead the broader market, the financial sector rose more than 3%.

Among other banks, UBS rose more than 7%, Westpac Hutchison rose more than 11%, New York Community Bank rose more than 7%, and Credit Suisse rose more than 2%. UBS's European shares extended their gains to 10%.

At the beginning of the session, major sector ETFs rose generally, regional banking ETFs rose over 5%, banking ETFs rose nearly 5%, energy ETFs rose 2.5%. New energy auto stocks are strong, Xiaopeng car rose more than 9%, Azure, Tucson future rose nearly 5%, ideal car rose nearly 4%, Tesla rose more than 3%

China index rose more than 2%, Xiaopeng car rose more than 11% performance, but interesting once fell more than 56%, will be delisted from the Nasdaq:.

Nasdaq Golden Dragon China Index rose more than 2%, the components of Atlas Solar rose more than 12.1% to lead, Xiaopeng car rose more than 11.1%, Meihua International rose more than 9.6%, Azera car rose more than 6.2%, the New Oriental rose more than 6.0%, Century Internet, JinkoSolar, Qinhuai data, ideal car, Lufax, etc. rose at least 5.0%, Aikiya rose more than 4.0%, Ctrip rose 3.6%. Alibaba and Poundland rose 3.2%, B station, Vipshop, Kingsoft Cloud fell up to 1.9%, Tencent Music fell 9.8% worst performance.

Analysis pointed out that U.S. Treasury Secretary Yellen said in a speech before the U.S. stock market, the federal government intends to provide guaranteed support for more small banks' deposits, which effectively boosted risk sentiment. Meanwhile, investors are betting that the Fed's rate hike policy will not be too aggressive, with the probability of a 25 basis point rate hike announced on Wednesday rising to 82% and the probability of no rate hike for the time being falling to 18% from 26%, with no possibility of a 50 basis point rate hike.

The ebb of safe-haven demand and the Fed's seemingly imminent rate hike saw short bond yields in Europe and the U.S. both jump 20 basis points.

Early in the U.S. session, the U.S. 2-year Treasury yield rose 20 basis points to 4.18% and the 10-year base bond yield rose more than 10 basis points. Eurozone benchmark two-year German bond yields rose 24 basis points, the potential for the largest one-day gain since September 2008, the 10-year yield rebounded 17 basis points from a new 13-week low.

Among other assets, COMEX gold futures fell more than 1.6% to a new daily low of $1,950.80 per ounce. The dollar index DXY fell another 0.2% and pushed down to 103.10, a new five-week low. International oil prices rose by more than 2%, with U.S. oil pushing up to $70, and Brewer's oil rising above $75
The market is risky and investment requires caution. This article does not constitute personal investment advice and does not take into account the particular investment objectives, financial situation or needs of individual users. Users should consider whether any opinions, views or conclusions contained herein are appropriate to their particular circumstances. Investment on this basis is at your own risk.
If you do not understand, you are welcome to communicate courageously and can write privately

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2023.03.21 21:31 psyvhigoooo 2023 Summer Sublease Starting Early May (Move-in date Flexible!!)

Hi guys!
My roommate and I are subletting our 2b/1b apartment at Hub the Daniel. It is located in the middle of the campus right next to the psychology building, Quad, and green street, so everything is super accessible. The building itself has amenities such as a gym, rooftop pool, club room, printers, and private/semi-private study spaces.
Our apartment is on the top floor and has a great view of the Quad. The maintenance is also super nice and gets things done very quickly.
We are considering subletting the apartment for around 850 per month (for each person, not the whole apartment). The price is definitely negotiable!!!
Feel free to dm or message @ 217-904-5550 for a room tour or price negotiation!
https://preview.redd.it/h0imktg5k5pa1.png?width=582&format=png&auto=webp&s=6b2f92b1f6f7cfa6acb9dd031cda0c8631859432

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2023.03.21 21:26 pigeonccatcher SpeedyPaper Review Reddit 2023: My Personal Experience

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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).

https://preview.redd.it/ltb4s44yl5pa1.png?width=640&format=png&auto=webp&s=68fc21cf2ea5bf9f1fcdf49738d7a36e77869ff6

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]

2023.03.21 21:17 pelicano234 [FLASH] Modular Lego Store 910009 - 118 spots at $5/ea

Approved by u/lukemfrank
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Item Name Set Number: Modular Lego Store 910009
Lego Price/Justification: $531 BE $10 subfund
Shipping: $45 (23x12x7, 10lb, 53186 to 98597, ups ground) + $4 shipping supplies
Raffle Total/Spots: $590 = 118 @ $5
Call spots: Yes
Spot limit per person: yes, 4
Duration of spot limit: 30 minutes. Wait for the announcement before calling additional spots. Requests before the announcement won’t be honored.
Location(Country): WI
Will ship international: No sorry/Hawaii/Alaska pay cost above listed quote.
Timestamp pics: https://imgur.com/a/mKry0tp
Description: Bricklink set. Give your town a lego store. Some minor box damage, see pics
Payment required w/in 15 minutes of raffle filling. 5 min for drama
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submitted by pelicano234 to lego_raffles [link] [comments]

2023.03.21 21:07 Network_Rude [WTS] [ON] *LOT* HPA builds, Hi Capas, Pistols, GBBR…..

Elite force uzi ($320) New in box minus some plinking. Includes:
GBBR
Leak Free Mag
box Shoots amazing with great recoil.

2.G&G GTW91 m4 ($225) Perfect starter AEG, has upgraded nozzle Package includes: Rifle Mag Battery for extra
3.JW TTI hi capa Trigger is very light and recoil is snappy and fast. Build is TM compatible, do more upgrades can be done.
Upgrades include: - TTI JW hi capa (Threaded outerbarrel) - Upgraded grip - 140% Cow Cow recoil spring - Cow Cow short stroke kit
Price with attachments: $530 Price for just pistol with upgrades: $350

WE REX hi capa ($250) Brand new pistol never used, doesn’t come with mag
KWA ATP compact ($230) Works amazing, leak free mag.
MINI pistol grenade launcher ($100) Works awesome, used great to clear hallways and rooms
Primary HPA adapter ($150) Brand new, used twice
Complete glock lower, comes with leak free mag ($100)
Two PTT’S ($30)
Leak free desert eagle mag ($30)
KJW RIS 3 GBBR ($600)

Shoots very straight with awesome groupings. Amazing kick with a very realistic feeling. Body has great detail. All around awesome GBBR.
Package includes: - m4 - one leak free mag - OG box/hardware
Can include attachments for extra.

G&G HPA m4 build ($975) personal m4 built that has never let me down, and always performed incredible. This rifle shoots easily over 250 feet, very accurately with great groupings. Gun has been fully upgraded with nothing left to do. Super fun and quiet gun to use. Package/upgrades include:
GTW91 Base rifle
Wolverine Inferno Gen 2 engine
MAXX pro hop up
Maple leaf bucking
PROMMI tightbore
CNC trigger
CNC bolt catch
CNC mag release
CNC selector switch

This build has cost me over $1400, not including tech time and hours of tuning.

HPA LMG ($900)

Super fun LMG to game with, lays down ropes with great accuracy. Great trigger response.
SAFE SEMI AUTO- unlike most other LMG, this gun DOES have full auto, so you can shoot indoors, in hallways, out windows ETC at milsims or other events. Also great to conserve ammo.
Upgrade/Parts list: - CM16 LMG base gun - Wolverine inferno gen 2 engine - Braided IGL
Attachments are included for extra.

KWA QRF MOD 1 HPA ($975)

Works amazing with a super responsive trigger Love this build but just testing the waters. Awesome 9mm mags allow for full auto capabilities at most milsim event. Package includes: - SMG - P* Jack - All new wiring - All new FCU - MAXX trigger - Maple leaf bucking - tightbore barrel -6 mags
https://imgur.com/a/URZwbmK
Located in Niagara. Shipping available. Open to trades.

submitted by Network_Rude to airsoftmarketcanada [link] [comments]

2023.03.21 20:36 TimidBookworm Am I being entitled or a Karen for being upset at being scammed, not receiving a book, and being annoyed at my nice landlords?

TLDR: Am I being an entitled person for being upset at being scammed, not receiving a physical booklet from a test prep service, and getting annoyed that the nice landlords are raising the rent price by 15%?
I'm really annoyed right now due to many reasons, but I think people are either thinking I'm a Karen or entitled due to all the shit that happened today.
First off, I'm annoyed at the fact someone used my credit card to purchase $255 worth of shit at Walmart. I know that wasn't me because I didn't go to Walmart today, and because the place it was purchased at is around 1.5-2 hours away from me by bus. I could easily go to one closer than me instead of doing that. Called the bank and they were really understanding, but I kept trying to understand how this could have happened, sorta tested them to make sure they were the bank despite it being listed as the banks official phone number. I understand it's probably just paranoia, but they asked for the one-time code in order to access my account? They never asked me before so that sort of scared me. I think I might have also irritated them because I kept asking if I could have access to my bank statements since I need a bank statement for a proof of purchase that I must send to the government by April 14 or else I would be in legal trouble.
Second thing, I paid for a prep test course for one test that costs about $70. I'm annoyed because they stated they won't provide a phsyical copy anymore like they did before since the person tutoring the course does not use it but follows his own course. The person tutoring it is great, but the physical copy is also extremely useful. FURTHERMORE, the electronic PDF they send is protected so you cannot save it as a PDF to be used or written on unless you go into their website to access it or type in your credentials. I get they do that in order to ensure it's not handed out to people, but this annoys me because they will delete all materials taught after the semester is over, so you would never be able to see it again. So when I asked for the physical book, they told me they won't be providing it despite them having the means to make it and the physical book/resources is technically included in the $70 price since it was always $70 for the tutoring with the book. They're doing this just to save on costs. What irritated me the most was that they wanted me to send proof of an IEP or learning plan in order for me to get accomodations (because I stated I require a physical copy since due to my condition it makes it harder for me to learn). I felt that was overstepping the boundaries especially since those things shouldn't be needed for a service that should have provided the book to begin with since it was included in the cost. I sent them proof of a learning difficulty but because it was a government form, I could only send a bit of it because the rest had extremely sensitive information such as my SIN number. We had this back and forth for about 5-6 days and they finally gave out the request in order to get a copy printed which I would need to pick up. That's fine, I'm willing to do so, BUT THEY SENT THE FUCKING ORDER TO THE PRODUCTION COMPANY AND NOT TO THE INDEPENDENT STORE!!! This would cause the order to take anywhere from 2-7 days to be avaialbe for pickup. My fucking test is in less than 3 days from now! And they make it seem like I'm exaggeratting when I say it could arrive in 5-7 days. EVEN IF IT ARRIVES IN 2 DAYS I'D STILL BE IN DIRE STRAITS.
Another thing I'm starting to get really annoyed at is my landlord. They're nice people and they do there best to help us out if we ever ask for it, but it's getting to me that they keep raising the prices of the house and have such strict rules that does not make sense. The price we pay is already considered above what people pay currently in our area per month. Even moreso the fact that they have really strict rules, which I'm okay with, but they have really weird criterias such as make sure there isn't a lot of shoes in the front door entrance. I get that it gets crowded from time to time, but most of us only have 2-4 pairs of shoes that we use constantly. It's a house with 7 people, and the only time it truly gets crowded is when guests are over. They also don't want us to share the wifi password, but we're students who study and have friends or classmates who come over and study together or work on projects. Anyways, the rent has been increased by 15% and we've only been living here for a year. They are legally allowed to do this, but come on, we're students in a housing crisis and with a lot of student debt to pay for. I worked during the summer before with the exact same rent price I'm currently paying for. That was a 40 hour per week job at minimum wage and the rent easily took away 30-40% of what I was making in order to pay for rent. Keep in mind, I am now a full time student with approximately 26 hours per week of classes, lectures, tutorials, and labs that I attend. There is no way for me to make that money for rent and food. And I get that the house is newly renovated, but they geniunely upcharged the rent price by a lot, plus they own several properties that they either rent out or sell to earn money and have their own company. It just feel it's really disheartening to have to pay for an increased rent price when the housing prices should be going down after the pandemic crisis is adverted.
However, please tell me if I'm just being entitled or what I should do to be a better person. I have BPD so I have times when I can be pretty irrational and paranoid.

submitted by TimidBookworm to EntitledPeople [link] [comments]

2023.03.21 20:31 Original-Emotion-149 Looking for a portable 2-in-1 with good battery life for a CS degree (UK)

LAPTOP QUESTIONNAIRE

Total budget (in local currency) and country of purchase. Please do not use USD unless purchasing in the US:

No explicit budget but aiming for as low as possible (currently looking at under 800 GBP).

Are you open to refurbs/used?

Yes, but only if the performance is considerably better than a new machine of a similar price.

How would you prioritize form factor (ultrabook, 2-in-1, etc.), build quality, performance, and battery life?

Need a 2-in-1 for note taking with a screen size of 13 - 14” and at least 16GB of ram, definitely nothing 15” or over. From there I would prioritise:

Battery Life (ideally would last all day, at least multiple note-taking lectures and a lab per day)
Performance (want something snappy that can handle VSCode, MATLAB, Office Suite, multiple Chrome tabs with ease, light gaming would be a plus but not a deal breaker without)
Size/Weight/Fan Noise/Ports (want USB-C charging and decent port selection i.e. HDMI 2.0, USB-A and C, low fan noise and small form factor but these aren’t deal breakers)
Display (better display tech like higher resolution and OLED would be nice but not at the expense of battery life)

How important is weight and thinness to you?

Important but at 13-14”, I don’t imagine any modern (non-gaming) laptop would be that bulky.

Do you have a preferred screen size? If indifferent, put N/A.

13-14”, nothing over 15”.

Are you doing any CAD/video editing/photo editing/gaming? List which programs/games you desire to run.

Perhaps light Photoshop/Blender use, nothing extensive.

If you're gaming, do you have certain games you want to play? At what settings and FPS do you want?

Gaming is not a priority but if it could run emulators up to Cemu/older titles at 60 that would definitely be a plus but non-essential.

Any specific requirements such as good keyboard, reliable build quality, touch-screen, finger-print reader, optical drive or good input devices (keyboard/touchpad)?

Willing to forgo extra bells and whistles for price.

Leave any finishing thoughts here that you may feel are necessary and beneficial to the discussion.

Looking for a laptop for note taking and coding during CS lectures and labs. Lots of maths lectures so need pen input which is why I’ve specified a 2-in-1. I have other more powerful devices for gaming and other resource intensive tasks and better screens for media consumption so don’t need that here but would be willing to pay a premium for a dGPU if battery life weren’t compromised.
Currently looking at 2 decent candidates under £800, both supposed to have good battery life and decent performance but I’m unsure how to pick between them. My options are the Lenovo Yoga 6 13 with a Ryzen 5 7530U/len101y0027) for £720 and a HP Envy x360 13 with an i7-1250U for £765. They both have 16GB of ram and 512GB SSDs. I think the AMD processor is noticeably better but the iGPU is considerably worse. Both supposedly have great battery life for Windows machines but the Envy has a bigger battery and I’m unsure which would last longer in a real world scenario. The Lenovo is cheaper, but not by much so that’s not much of a factor to me and the Envy comes with an extended 3 year warranty. If anyone can help me compare these 2 or suggest an alternative, that would be much appreciated. I don’t need a laptop right away, so if there’s anything worth waiting for, I’m open to that too.
Thanks!

submitted by Original-Emotion-149 to SuggestALaptop [link] [comments]

2023.03.21 20:21 jktmas [WTS] Aero/BA/BCM 10/3" Upper, Swampfox Kraken, SB FS1913 Brace, GO Stribog Stock

NOOD(le)S

Aero/BA/BCM/Rearden 10.3" Upper - $450
- OK, so I know I overpayed for a few of these parts, and they've got some use now. Still a pretty steep discount, and I'm open to offers. My cost on this upper was over $875. Pretty sure it’s got under 600 rounds on it.
- BA Hanson 10.3" Barrel
- Superfluitive Arms Bleed off AGB
- Toolcraft NiB BCG
- BCM MCMR-9
- VSeven Ti MCMR Barrel Nut
- Rearden SPB
- M4E1 Upper
- Strike Industries forward asssist
- Strike Industries Ultimate (Aluminum) dust cover
- Some ambi charging handle, IDK anything else about it.
Swampfox Kraken (and RMR to Picatitty plate - $260
- Light use, probably 90 rounds on my roller delayed. but the screws look like shit, because that's how swampfox rolls.
- The picatitty plate does not come standard.
~~SB Tactical FS1913 Folding brace~~ - $100 - SOLD to u/unavailable-1
- Yes I know, braces are stocks now. that's why it's got a discount on it. I personally really liked the hinge and weight of this on my PCC. Hinge can be flipped to fold the other way if you'd like.
Global Ordinance OEM Stribog Stock - $70
- You got your tax stamp for free? Get the official stock for it!
- Made specifically for the stribog, and new (open box(bag))!

READ ME!

All prices are shipped to the lower 48 with the buyer taking care of any applicable G&S fees.
Absolutely NO notes.
I'll accept Paypal or CashApp. Under 5 flair Friends & Family or CashApp only.
All prices are OBO. and I may give a discount if multiple items are purchased.

Trades wish list:

Radian Talon Black 45 degree
Armaspec H3 Gen 3 buffer
BCM Pistol Grip Mod 0 or 3 black
BCM M-Lok "vertical" firegrip black
Sig MCX Reduced angle grip
PWS Ratcheting castle nuts
Modlite / Arisaka 18350 black light setup
Modbutton Lite Laser plug
Modbutton black
Unity lightwing right black
Surefire UE Rear Cap
Q Plan B OMEGA or Rearden adapter HT 1-3/8"-24

submitted by jktmas to GunAccessoriesForSale [link] [comments]

2023.03.21 20:21 geliebean Hair and make up etiquette

So I’m finally looking into hair and make up. I really don’t know what’s good pricing for that. The one person I reached out to would be $800 for me to do hair and makeup trial as well as hair and makeup on my wedding day. Then it would be $240 per bridesmaid for both hair and makeup. Do these seem like they’re a bit high? Or are these about average for a HCOL area?
Also, I plan on paying for mine and the bridesmaids HMU. My fiancé and I discussed paying for both of our moms. BUT I will also have my 2 sisters and 17 year old niece (none of them are in the wedding party) in the room getting ready with us. My niece will only be a guest, and we are letting my sisters walk up the aisle with the family before the wedding party. Do you think I should pay for my sisters HMU? Or just offer it to them and they can pay if they’d like? I don’t really want to since they’re not in the wedding/haven’t/won’t do much for the wedding. But my fiancé says we should be classy and pay for them lol. What are all of your thoughts?

submitted by geliebean to weddingplanning [link] [comments]

2023.03.21 20:02 blueskybiz [For Hire] Experienced Website Developer and Designer

I specialize in building beautiful websites that help to increase revenue for small to medium sized businesses. I'm based in the US.
What my website package offers:
· Custom colors & typography
· Personalized writing for all pages
· Google reviews widgets & a review page
· 5 Main Pages: Home, Services, About, Reviews & Contact (or something for a different subject if needed)
· Contact form
· SEO setup & optimization for website structure
· Safe, secure, & easy for users of all different devices to access (Desktop and Mobile devices)
· We provide any necessary stock images, graphics etc.
· Google analytics which allows you to view how many people visit your website per week and from what general location.
Price: $150 month (subscription style plan)
Other payment options are available for those not interested in a subscription style plan.
If you are interested, please send me a private message and I will show you some of my work and my official website (not allowed to post personal info on here). Please do not hesitate to reach out!

submitted by blueskybiz to ForHire_RemoteJobs [link] [comments]

2023.03.21 20:00 mrxscarface [NM] The Justifier 75323 - 112 spots @ $2/ea

Item Name Set Number: The Justifier 75323
Lego Price: $170 + $13 (CA Tax)
Shipping: $41 (insured to $225) UPS Ground, 24x16x5, 4 lbs, CA 92612 to ME 04401
Raffle Total/Spots: $224 / 112 spots @ $2
Price justification: Lego.com
Call spots: Y
Spot limit per person: N
Duration of spot limit: N/A
Location(Country): USA
Will ship international: No, not this one. Winners in AK or HI or APO will be responsible for any additional charges for "further" shipping.
Timestamp pics: https://imgur.com/a/Mv9r62a
Description: THE JUSTIFIER!!! 3 unique figs! Some minor wear and tear, but nothing major. Please see photos.
Payment required w/in 15 minutes of raffle filling.
Google Pay & PayPal payments should have NO COMMENTS. Comments will result in a permanent ban

PayPal Info: PM FOR INFO
Cash App Info: GOOGLE PAY

Tip BlobAndHisBoy
Number of vacant slots: 63
Number of unpaid users: 7
Number of unpaid slots: 49
This slot list is created and updated by The EDC Raffle Tool by BlobAndHisBoy.
1 metalaero81
2 Available_War941
3 ssj3dvp11
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submitted by mrxscarface to lego_raffles [link] [comments]

2023.03.21 19:59 chitownkid81 [FLASH] Rivendell (10316) - 127 spots at $5/ea

Item Name Set Number: Rivendell (10316)
Lego Price: $500 + $50 (10% IL tax) = $550
Shipping: (19lbs,24x20x10,UPS Insured,60465-98038) = $75
Subfund: $10
Raffle Total/Spots: $635/127 spots @ $5/ea
Price justification: LEGO.com
Call spots: Y
Spot limit per person: 3
Duration of spot limit: 30 minutes. Wait for announcement for limit lift. All additional requests prior will be ignored.
Location(Country): USA
Will ship international: Y - Outside CONUS pays difference
Timestamp pics: https://imgur.com/a/7sAuFtW
Description: ELFHOME!!!!
Payment required w/in 10 minutes of raffle filling.
PayPal payments are to be Friends and Family only with NO COMMENTS. CashApp payments should have NO COMMENTS. Comments will result in a permanent

PayPal Info: [REDACTED]
Cash App Info: [REDACTED]

Tip BlobAndHisBoy
Number of vacant slots: 0
Number of unpaid users: 0
Number of unpaid slots: 0
This slot list is created and updated by The EDC Raffle Tool by BlobAndHisBoy.
1 loveshh PAID
2 LegoTacos PAID
3 complicatedorc PAID
4 optimus-Ron-4082 PAID
5 ClassicFennig PAID
6 mrxscarface PAID
7 AnalogKid23 PAID
8 therontheteej PAID
9 Background_Badger942 PAID
10 Attackcamel8432 PAID
11 ssj3dvp11 PAID
12 Dingir6 PAID
13 legoislifey PAID
14 Background_Badger942 PAID
15 7LayeredUp PAID
16 nmde305 PAID
17 loveshh PAID
18 r1955 PAID
19 kraftymonkey PAID
20 optimus-Ron-4082 PAID
21 Kyssal PAID
22 Kyssal PAID
23 jsta19 PAID
24 toastertrucker PAID
25 azcpl121314 PAID
26 PizzaAndStuff89 PAID
27 nmde305 PAID
28 7LayeredUp PAID
29 Background_Badger942 PAID
30 nmde305 PAID
31 imadyke PAID
32 Attackcamel8432 PAID
33 jsta19 PAID
34 pma99999 PAID
35 TheLaw37 PAID
36 dyrdevil PAID
37 complicatedorc PAID
38 Available_War941 PAID
39 lukemfrank PAID
40 Dingir6 PAID
41 Attackcamel8432 PAID
42 PizzaAndStuff89 PAID
43 geezus921 PAID
44 legoislifey PAID
45 jsta19 PAID
46 jasonmoon20 PAID
47 Ensabbathnu PAID
48 ssj3dvp11 PAID
49 ralph77gut PAID
50 r1955 PAID
51 OrganicSubset PAID
52 optimus-Ron-4082 PAID
53 bties PAID
54 doichee PAID
55 r1955 PAID
56 Ok_Masterpiece9553 PAID
57 lovetowel PAID
58 only_passingtrough PAID
59 ClassicFennig PAID
60 CharlietheCorgi PAID
61 Unicorn_Mom577 PAID
62 Kyssal PAID
63 ssj3dvp11 PAID
64 Ok_Masterpiece9553 PAID
65 only_passingtrough PAID
66 LunchBoxMercenary PAID
67 LegoTacos PAID
68 KiloCharlie1212 PAID
69 PizzaAndStuff89 PAID
70 lukemfrank PAID
71 wtfbbq81 PAID
72 therontheteej PAID
73 pma99999 PAID
74 Pjay367 PAID
75 Ensabbathnu PAID
76 kraftymonkey PAID
77 Original6Shooter PAID
78 pma99999 PAID
79 TheLaw37 PAID
80 MajorSportingEvent PAID
81 loveshh PAID
82 lovetowel PAID
83 CharlietheCorgi PAID
84 yo-Marie-yo PAID
85 Pjay367 PAID
86 robob280 PAID
87 therontheteej PAID
88 7LayeredUp PAID
89 Dingir6 PAID
90 themadowl PAID
91 bties PAID
92 lukemfrank PAID
93 ClassicFennig PAID
94 legoislifey PAID
95 LegoTacos PAID
96 azcpl121314 PAID
97 MajorSportingEvent PAID
98 robob280 PAID
99 KiloCharlie1212 PAID
100 geezus921 PAID
101 Ok_Masterpiece9553 PAID
102 bties PAID
103 Original6Shooter PAID
104 imadyke PAID
105 jasonmoon20 PAID
106 doichee PAID
107 Pjay367 PAID
108 nik0nguy601 PAID
109 Available_War941 PAID
110 Available_War941 PAID
111 doichee PAID
112 Original6Shooter PAID
113 only_passingtrough PAID
114 CharlietheCorgi PAID
115 stollba PAID
116 Ensabbathnu PAID
117 MajorSportingEvent PAID
118 LunchBoxMercenary PAID
119 lovetowel PAID
120 LunchBoxMercenary PAID
121 mrxscarface PAID
122 sancoli PAID
123 azcpl121314 PAID
124 CalicoRosePawIsland PAID
125 kraftymonkey PAID
126 Unicorn_Mom577 PAID
127 AnalogKid23 PAID

submitted by chitownkid81 to lego_raffles [link] [comments]

2023.03.21 19:58 AbsolutusVirtus [Giveaway] GIVEAWAY BNIB 126334 Datejust 41 with the Blue Motif Dial, Fluted Bezel and Jubilee Bracelet

Item Name:	GIVEAWAY BNIB 126334 Datejust 41 with the Blue Motif Dial, Fluted Bezel and Jubilee Bracelet
Price:	$Sub Fund minus ModCut
# of Spots:	A Billion
Approval:	https://www.youtube.com/watch?v=dQw4w9WgXcQ
Price Justification:	F
Price Justification:	R
Price Justification:	O
Price Justification:	T
Call spots?	Y/N
Spot limit per person?	0
Location/Country:	USA
Will ship international?	USA/CA/INTL (Shipping rules will apply)
Timestamp/pics:	https://imgur.com/a/Fdzotwd
Escrow:	Numba 1 escrow running this!
Description:	Watch.
RULES:

The giveaway will be open for ONE full day until 5PM tomorrow. There will be no tags for this raffle. It will end officially at 5PM on the second day, any requests thereafter will be ignored.
If you participated in any month from March through August 2022, you are eligible to request spots up to six random spots total (that’s if you participated in all SIX months). With a TOP LEVEL COMMENT you may request up to six random spots and post the permalinks to YOUR PAID spot request links (one link from EACH month). You may submit ONLY ONE LINK PER MONTH. Given how large this is going to be, we HIGHLY suggest you visit the last giveaway here, to see how to do this correctly. Find your paid spot request permalinks beforehand and make sure you know the exact dates of your participation because Reddit has fooled many users. Freebie participation does not count. Spots in cancelled raffles do not count. Spots that were removed for non-payment certainly does not count. We will not allow donating your spot to anyone else for this giveaway. YOU MUST POST YOUR REQUEST AND LINKS IN ONE SINGLE TOP-LEVEL COMMENT. Given how large this is, we will ignore additional comments from any user who attempt to add additional months. The number of months you posted originally will be the maximum number of spots you will be eligible for.
If you are caught calling a spot with an alt or try to cheat in any way or form, you will be perma-banned immediately with no exceptions. Do NOT send modmail to get whitelisted or upgraded during this period. And do not send modmail or reply to us asking why you were skipped and pooped. You should have read the rules in advance. Any such messages will be immediately archived.
Not following the rules will result in one poop. Examples that will get you one poop flair: request a spot without a link, post a link to the wrong month, post links from the same month, post a link to the raffle itself (and not your specific spot request), post a comment underneath your first error with links, or delete/edit your spot request. Any of these will result in one poop flair. If you commit another error afterwards, that will be a second poop (and immediate 1-week ban if 2nd poop, or 1-month ban if it results in 3rd poop and your request will not be honored for the giveaway). If you already had a poop flair that has not expired and you incur an infraction during this giveaway, you will be banned accordingly and you will not be allowed to participate in this giveaway. If you are skipped, that means you made an error and you will receive a poop flair.
HOW TO FIX YOUR ERROR: Make a NEW top level comment if you want to try again. But if you make another error at this point, this will result in a ban and your request will be ignored for the giveaway and you will not be allowed to participate in this giveaway.
Once the raffle window closes, all slots will be SHUFFLED and the bot called for ONE winner. The winner will send modmail with their info. It takes a lot of effort on the part of several mods to check all the links to make sure that they link to your paid spot request to completed raffles and that the dates correspond to the correct months. If you send PMs or chats to any mods or send modmail during the giveaway period asking what you did wrong, why you were pooped, or why you were skipped, they will all be ignored. Do not reply to the mod team comments stating you were skipped and pooped asking why, and you should not reply beneath with the correct links. You should have done your homework by reading the rules carefully and following them. LEARN HOW TO READ AND HOW TO POST CORRECT LINKS BEFOREHAND.

Tip BlobAndHisBoy
Number of vacant slots: 400
Number of unpaid users: 0
Number of unpaid slots: 0
This slot list is created and updated by The EDC Raffle Tool by BlobAndHisBoy.
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submitted by AbsolutusVirtus to WatchURaffle [link] [comments]

2023.03.21 19:49 Glopuss Supermarket (Coles & Woolworths) specials March 22 - 28 (incomplete)

A selection of items “on special” this week in Coles and Woolworths that may be of interest to keto followers. Many are processed so not really suitable for “clean keto”. Victorian data, some may not be available interstate. Consider house brands may be cheaper than ‘specials’
Alcohol (except no carb beer) excluded. Drink prices exclude recycling deposits. Fruit & Veg probably vary by state, so excluded.
If you are doing an online order, I suggest you also look at the stores' ONLINE ONLY specials as I don't always include all of these, many are multibuys.
Coles ‘locked prices’ might now be considered specials but same every week til April so not included as specials

COLES

Coles web pages are a mess, prices showing as a special in the List function are not showing as specials when you drill down into details. So some of these prices cannot be trusted. To make matters worse, they have now taken down the old pages.

Beer - NEW Hahn Ultra Low Carb Bottles 6x330mL $18 has less than 1g of carbs per bottle and only 87 calories
Berries, frozen - Coles frozen berries 500g 2 for $11
Bread/Wraps - Simson's Pantry Low Carb High Protein 5 pack 225g , & Keto minis, 156g 2 for $9, Simson's Pantry Low Carb Keto 5 pack 200g 2 for $10
Cheese - South Cape Flavoured Cream Cheese 200g $5.10
Cheese - Cheer Cheese Slices 750g $14
Cheese - King Island Cape Wickham Double Brie or Camembert 200g $8.90
Cheese - Always cheddar cheese block or slices on special
Confectionery - Eclipse Mints 40g $2.80
Dips - Always something on special - all brands have high and low carbs
Dips - Black Swan 2 for $7, Black Swan classic 2 for $6.50,
Drinks - Monster Energy 4x500mL2 for $17
Drinks - Kirks zero 1.25L $1.40, 10 cans $6.95
Drinks - Red Bull Energy 8x250mL$13.20
Drinks - Coca-Cola, Fanta or Sprite 12x300mLbottles $9.10
Drinks - Frantelle Spring Water 24x600mL$6.40 half price
Drinks - Lo Bros Kombucha 330mL $2.50
Drinks - Pepsi max Diet Sunkist or Solo 1.25 Litre $1.25
Drinks, no sweetener - Schweppes Infused Sparkling Water 10x375mL $8
Drinks - Nexba Kombucha 4x330mL 4 pack $6
Fish - Coles Fresh Tasmanian Salmon Portions Skin Off $32kg
Fish - John West 90g tuna or 95g salmon $1.45. Wild Tides 95g tuna $1.10
Fish - Birds Eye SteamFresh Fish 380g $7 some with sauce
Fish - Sirena tuna 425g $6.50, 185g $3.60
Fish - John West Wild Alaskan Pink Salmon 210g, or 105g red $5.50
Fish - Ling Oscar sardines 105g $2.50
Ice cream - Twisted Licks 4 pack $7
Ice cream - Denada sticks 3 pack or Lil Nadas $8.50 ONLINE ONLY
Mayonnaise - Kewpie Mayonnaise 300g $4.30 don’t buy ½ version, Hellmans real 400g $5.50, Best Foods 405g $4.50
Meat - Lamb loin chops $23kg
Meat - Gravy beef $17kg
Meat - Pork forequarter cutlets $12.50kg
Meat - Whole uncooked chicken $4.50kg, Wings $7kg, Free Range whole $9kg
Meat - Coles Made Easy Bacon Wrapped Chicken Parcels with Pumpkin Spinach & Fetta Stuffing 600g $11
Meat - Lamb Rack Roast $30kg
Meat - Don kabana $3.30 ea
Meat - Moira Mac's Classic Mini Chicken Kababs 90g $3
Meat - Spam Canned Ham 340g $3.75
Meat - Primo gluten free kransky 250g $4.50
Milk, almond - Vitasoy UHT $1.65, Sanitarium So good fridge $3.30, UHT $2
Oil, EV olive - Cobram Estate Aust 750ml $10.80, Red Island Aust 500ml $6
Peanut butter - Mayvers 375g $4.60, Sanitarium $3.50
Protein bars/cookies - QUEST PB cups $3.15
Protein powder - Musashi High Protein Powder 900g flavoured $52
Sauce, pasta - Cucina Matese Passata 700g $2.40 check for sugar
Stock - Campbells Real 1l $3
Sweetener - Truvia (Erythritol, Steviol Glycosides, Chicory root fibre) Caster, Brown, Icing 280-360g $6
Syrup -Queen sugar free maple 355ml $3.50
Yoghurt, flavoured - Chobani No Sugar Added Greek or Natural light 150g $2
Yoghurt, flavoured - Yoplait Zero 6x160g $4.80 sweetener
Yoghurt, flavoured - Danone YoPro Perform 20g protein 175g $2.50
Yoghurt, flavoured - Danone Activia Probiotics 4x125g $3.50
Yoghurt, plain - Tamar Valley Greek 1kg $6

WOOLWORTHS

Woolies has a range of health products @ 30% off, I have put some under the Protein heading for convenience.
Woolworths is “printed catalog only” as their web pages have not been updated by 6am. I may try again later in the day.

Cheese - Always cheddar cheese block or slices on special
Cheese - King Island Brie or Camembert 175-200g $8.90
Cheese - Woolworths Brie or Camembert 125g $3
Confectionery - Noshu Bars 42g $2.45 see also Snacks, sweet for multipacks
Dips - Always something on special - all brands have high and low carbs
Drinks - Gatorade zero or G active 600ml $2.30
Drinks - Coca-Cola No Sugar 30 x 375ml $24.95
Drinks - Coca-Cola, Sprite, Fanta Soft Drink Can Varieties or Mount Franklin Lightly Sparkling 10 x 375ml $8.75
Drinks - Monster No sugar energy 4 x 500ml $8.30
Drinks - Remedy Kombucha 4 x 250ml or 1.25 Litre $6
Fish - Sirena tuna 95g $2.30
Fish - Thawed Cooked WA Rock Lobster $23 not all stores
Fish - Woolworths Frozen Barramundi 1 kg $18kg
Mayonnaise - Hellmann’s Real Mayonnaise Squeeze 400-432g $5.50
Meat - Australian Easy Carve Lamb Leg Roast $17kg
Meat - Australian Pork Belly Roast $16kg
Meat - Chicken drumsticks $4kg
Meat - D’Orsogna Deli Fresh Sliced Meats 80-100g $2.80
Meat - Plumrose canned meats half price
Meat - Pork shoulder boneless roast $8kg
Meat - Primo Short Cut Bacon 750g $11
Meat - Woolworths COOK Pork Shoulder with BBQ Sauce 560g $12.50 ditch half the sauce
Nuts - Australian Natural Walnuts 500g $9
Oil, EV olive - Bertolli 750ml $9
Pancake mix - Noshu Sugar Free Pancake Mix 240g $4,45 higher carbs
Protein - Bsc Body Science Clean Greens Superfoods Tropical 150g $25
Protein bars - QUEST PB cups $3.36, Bounce Load Up High Protein Bar 60g $3.50 (higher carbs), Keep It Cleaner Collagen Bar 40g $2.45 (check ingredients)
Protein drinks - BSc Pre-Workout Coffee 150g $17.50
Protein drinks - Cellucor C4 Sport supplement Powder 285g $33.60 looks like electrolytes ?
Protein powder - DOSE & Co. Pure Collagen Powder 200g $28
Protein powder, plant - Kapowder Plant Based Protein Strength 220g $15.40 - This brand has a large range of vegan, no sugar powders.all 30% off
Protein powder, plant - Prana On Plant Protein Shake Vanilla Flavor
Protein water - Bodiez Protein Water Powder Pouch 290g $24.50, BSc Body Science Protein Collagen Water 350g $24.50
Snacks, sweet - Noshu Low Carb Indulgence or Nut Bars 150-160g 5 Pk $6.20 muesli aise, Aussie Bodies 5 pack $7 see also Noshu single bars under Confectionery heading
Stock - Maggie Beer 500ml $4
Yoghurt, flavoured - Chobani FiT 15g Protein Yogurt Pot or Pouch 140-170g $1.25 half price
Yoghurt, plain - Chobani Greek whole milk 907g $5.50

submitted by Glopuss to ketoaustralia [link] [comments]

2023.03.21 19:41 sairamsnehal In-kind vs $ payout math

Hi Guys,
This discussion has been going on for a while and I wanted to utterly simplify this to see if my understanding is correct here. Please correct me if I'm wrong.
Assumptions for simplification
- Lets assume there were 100 guys with 1 eth each on celcius
- on day of bankruptcy each eth was $100 ($PB)
- On day of Payout each eth was still $100 ($PP)
-Mashitsky has lost half (%LST) of all eth. So we have 50 eth left. So our goal is to get our .5 ETH back per person. We assume and understand that there is no way to get more than .5 Eth back.
-lets leave out legal fees, newco shares etc.
-leave out any tax implications, opportunity cost etc.

Lets' say we are at Payout day :) (after all this hell):
Scenario 1: Now if Eth is same price ($100 $PP) on day of payout, assuming there are still 50 eth left. Then each gets $50 back. Basically half of their portfolio. They can take these $s and go buy their half Eth back, essentially losing 1/2 eth, which is the end goal.
Scenario 2: If price of ETH($PP) goes is up to 200$ (100% or 2X $PB) at time of bankruptcy then estate now has 50Eth X 200$ = 10000$. So each get 100$ back and you can go back and buy your half eth.
Scenario 3: But if ETH appreciates to 400$. Then we get our 100$ back but we can only afford .25 ETH, essentially creating an opportunity cost/loss.
So the key variable here are
- price of eth at bankruptcy ($PB)
-Price of eth at Payout ($PP)
-How much Mashitsky lost (%LST)
Not sure how to write the exact formula(someone can help me) but as long as
((2X $PP % increase from $PB) < %LST) then cash vs in-kind payout does't matter. Since we can take the cash and go buy the crypto back. It is when the crypto appreciates much more in % than %lst is when we need in-kind.
Hope this makes sense. In essence $PB, $PP and %LST are the variables that define if in-kind vs cash payout matters.

submitted by sairamsnehal to CelciusNetwork [link] [comments]

2023.03.21 19:39 Gaming_N_Whiskey Bardstown Trip Recap

We regularly see posts in bourbon asking for Bourbon Trail trip recommendations. My wife and I just returned from a trip to Bardstown, and I wanted to offer you guys some feedback on our experiences. Hopefully you will find them useful for planning your own trip to Bardstown.
First, a very special "thank you" to u/Old_Riff_502 . Old Riff always posts very useful information in the forums. I also privately messaged him and I was amazed with the amount advice that he provided on the area. I don't think we would have had nearly as a excellent of a trip had it not been for him. Thank you again!
Hotel: We stayed at the La Quinta Inn & Suites from Wednesday evening until Sunday morning. The hotel was new, clean, and offered free breakfast every day (although we never actually ate it). The hotel is easy to get in and out of. It seemed like we were only a five minute drive away from anywhere we were trying to go. However, it's not very centrally located. You're not walking anywhere important from the hotel. The other knock on the hotel (and this seems more just industry standard these days), is that we never had anyone come in to do a room refresh at all during our trip. Nobody took out the trash, refreshed room coffee, or soaps/shampoos. That being said, I would not mind staying here again at all!
Distilleries (listed in order or preference):

Kentucky Cooperage - I know it's cheating....this isn't technically a distillery. But hear me out. Kentucky Cooperage is located in Lebanon, KY which is maybe a 30-minute drive from Bardstown. It may have been my favorite experience of the whole trip! The visitor's center is very unassuming; it looks like a small store in a strip mall. But the magic happens when you are shuttled across the street to walk the factory. Watching these craftsmen create bourbon barrels was impressive! The skill and meticulous attention required for each barrel was very cool to witness. I think this was one of the cheaper tours as well at ~$15.
Jim Beam - Beam Made Bourbon - The James B. Beam distillery is located in Clermont, KY, which was a 25-minute drive from Bardstown. Although it does feel sterile and corporate feeling at times, I had an excellent time! The tour runs like a well oiled machine! Our tour guide Terry was knowledgeable of the distillery and the area. The sheer scope of the Jim Beam operation is mind boggling! Many generic distillery tours start to get repetitive. But I thought the Jim Beam tour was one of the best. The site and setting are really cool. There is also a spot where you can select a bottle of Knob Creek 9-year single barrel and watch it get filled through the bottling process. You can then take home your bottle for $60. The tasting was probably my favorite of the trip. We were given Jim Beam White Label, Basil Hayden 10-year, Knob Creek 9-year, and then a bourbon of your choice - Bakers 7, Legent, or Knob Creek 18-year. The store had some interesting bottles. There was a distillery exclusive experimental batch of something which looked to be about 250 mL and was $70. When they opened that had a bottle of Little Book and a bottle of Booker's for sale. I missed them both. There were plenty of bottles of Knob Creek 18-year which were selling for $180, and there was a Jim Beam Lineage which looked fancy but was selling for ~$280. I spoke to our tour guide after the tour for a bit. After the tour you walk back down through the gift shop and I noticed them putting another bottle of Booker's on the shelf. I was able to purchase this for $100. So it seems like they do restock some items throughout the day. There is also an excellent restaurant on site called the Kitchen Table (more on this later).
Bardstown Bourbon - Rickhouse Tasting - This was a very unique experience. Bardstown Bourbon is a very modern facility, and the experience feels different from many from the long established brands. This tour was done in a very cold rickhouse (apparently they are always cold). Our tour guide gave us an overview of Bardstown Bourbon as a brand and some of the things they are working on. We then proceeded to get samples poured directly from the barrel via a whiskey thief. We tried a wheated bourbon which he said is part of their Origin series, a regular bourbon (which was not released yet), and a 95/5 rye. We then proceeded to go to a speakeasy type tasting room to for our last sample of Fusion #8. This was followed up by a walk back to the gift shop where we were told we would get to keep our sample glasses. The restaurant's food looked wonderful but we didn't eat. There were also a TON of pours available at their bar. I was interested in purchasing the Origin bourbon, but he said that they were sold out. I later found one a Total Wine. They did have quite a few bottles for sale though - many of Bardstown collaborative releases, Bardstown only releases, as well as bottles that use Bardstown to make their bourbon.
Maker's Mark - We did the standard Maker's Mark tour. The grounds were great! Very hilly and picturesque. Unfortunately, we were visiting in the winter, so it was not very colorful. But I could see this being amazing in the spring or fall! The history explored was very interesting. The tasting was wonderful, as I always enjoy Maker's Mark. We tasted regular Maker's, Maker's Cask Strength, Maker's 46, Maker's 46 Cask Strength, and a French Toast stave select. We purchased a bottle in the gift shop and we were able to hand dip it which was pretty cool. I was hoping to have lunch here, but their restaurant was being redone. They had a tasting bar opened which offered a limited selection of Maker's pours and cocktails. I really enjoyed the Makers 46 cask strength, and was hoping to buy a bottle. But that was unavailable. They had standard Maker's bottles for sale, Maker's 46, standard Maker's cask strength, and a Blueberry stave select bottle for purchase. We chose a standard Maker's with a limited edition label where some of the proceeds support women's education.
Wilderness Trail - This is a bit of a hike from Bardstown - probably about 45-minutes. But I thought it was well worth the trip! Wilderness Trail is a very modern facility. They really put an emphasis on the science behind the bourbon. I thought it was very cool to learn about the variety of yeasts utilized by Wilderness Trial. This was a pretty generic distillery tour. The tasting is done in the gift shop, which got a little loud at the end due to another tour coming in. We tried a wheated, a higher rye, a cask strength, and their rye. To me, much of Wilderness Trail's rye comes off as minty, and that is a turnoff for me. But their high-rye standard bourbon was a favorite of mine! We spoke to the tour guide after the tour, and he said "I've got something for you to try". We tried a three barrel blend of master distillery selected bottles - one wheated and one high-rye. I liked the high-rye and purchased a bottle for about $65. They also had a limited release for a program they are doing with the Frasier museum which was available for purchase. It was a 6-year rye (it might have been 7-years, I forget at this point) for $135. Not being a fan of the rye, I passed on this.
Heaven Hill - You Do Bourbon - This was a pretty cool experience! Heaven Hill's distillery was CROWDED with people. It seems to be a very popular stop on the Bourbon Trail. The You Do Bourbon experience was pretty pricey at $40 per person. But it was also really cool! We would each have the opportunity to purchase a bottle of our choice at the end of he tasting. 20 of us were taken back to a classroom setting, and we got right to tasting. We each had four samples in front of us - Bernheim 7-year Barrel Proof, Larceny Barrel Proof, Elijah Craig Barrel Proof, and then Heaven Hill Select Stock 14-year. I don't know much about the Select Stock. They did say it was 14-years aged in a high floor of the rickhouse and it was wheated. The tour guide gave us the hard FOMO sale on the Select Stock - it's only 25 barrels, it's exclusive to the distillery, once it's gone....it's gone. It also had a price tag of $200! I was disappointed that we had so much wheated whiskey or low rye options on the tasting. But the Elijah Craig was wonderful! I purchased a bottle of it for about $80. I bottled it up using an idiot proof machine, corked it, and my wife drew up the labels. It was a very cool experience! There was a bachelor party full of what my wife and I affectionately refer to as "Bourbon Bros" who bought into the FOMO. They purchased probably 12-15 bottles of the Select Stock on their own! Kentucky must love these tour groups!
Four Roses Bottling Facility - This is kind of near the Jim Beam distillery, and I think it's worth popping your head in and checking out. We did this, and their gift shop had a Master Distiller selected private barrel of OESQ for $105. I've yet to try it, but I am very excited to!
Limestone Branch - We stopped in here for a quick flight. The flight they gave was very generous: Minor Case Sherry Finished Rye, Yellowstone 4-year, Yellowstone Toasted, Yellowstone Single-Malt, Yellowstone Hand-picked, and their gin. This is one of the things I like best about Kentucky, you can try before you buy! Had I not been given this option, I would have purchased the Toasted and Single-Malt. I would have been disappointed with both of these purchases. Ultimately, none of these selections were for me. But it was a cool experience nonetheless.

Restaurants/Food (listed in order or preference):

The Kitchen Table - This was my favorite restaurant this trip! The Kitchen Table is located at the Jim Beam Distillery. Prices are very reasonable, and the food is fantastic! We tried appetizers: Pulled Pork Empinadas with white BBQ sauce (which was the best thing I ate all trip!) and Pimento Cheese and some Peppery Jelly spread (also great!). We tried the Burgoo which was good. And their burger was excellent! There are also some great Jim Beam themed pours and cocktails available. I had some of the "Kentucky Tea" Booker's which was just too good! I would have eaten here all trip if it was closer!
Mammy's - This is in downtown Bardstown, and we really enjoyed it! It's just great southern cooking. We ate their for breakfast one day. We had biscuits and gravy, and eggs and bacon. We also went back for dinner one night and had a BLFT with Pimento Cheese, Hot Browns, and fried cornbread. I'm drooling as I type just remembering how great this was! The bar also has a ton of solid bourbons and decent prices. They even have live music certain evenings.
Quick Stop - Old Riff swore by this place, and he nailed it! The Quick Stop is just a gas station on the way out of Bardstown. But they service awesome Jake's Country Sausage biscuits to go. This country sausage is just too good! We ate their on our way out to the Kentucky Cooperage and again on the way to the airport.
Hadorn's Bakery - This place is a hole in the wall serving donuts. They had one of the best jelly donuts I've ever had. Very solid.
Cozy Cottage - This is located by Maker's Mark. It's a total dive, but the food was decent and prices were fine. I got a burger, the wife had the pot roast special. I could take it or leave it.
Herradura - This is a Mexican restaurant in Bardstown. It was actually pretty good! The food was decent and came out very fast. Like most places in Bardstown, they had a hell of a bourbon selection at reasonable prices.
Sedona Taphouse - This was actually over in Lexington. They had a large amount of draft beers which I enjoyed. I also took advantage of the pours of Booker's for $15 and Stagg Jr for $10. Food was good as well.

Overall: We had a wonderful trip. We really enjoyed our time at Bardstown. Old Riff and the advice he provides on this forum is invaluable! Listen to this dude. There was a couple that hired a driver one day and we saw them at four of their five stops (the only thing they did that we didn't was they did a chocolate pairing at Lux Row). They paid $900 for their chauffeured experience! Ours basically cost us the price of admission plus a few hours poking around on Reddit's boards and distillery websites.
A few tips for those considering a visit to Bardstown:

Personally, I don't think you need a driver. The distilleries don't give you more than 2 oz on a tour. We weren't looking to drink a lot at the distilleries. But with some of the bar selections available at the distilleries it would have been easy to get carried away. That said, know your limits. If you are going to be drinking more than the 2 oz given at tastings, consider hiring a driver.
Reserve ahead of time, especially on weekends! Our Thursday tours were pretty empty. Sometimes there was only an additional couple or two on our tours. But the Friday and especially Saturday tours were much more crowded.
Don't get caught up in FOMO. There are plenty of bottles for sale at area liquor stores well above retail. There are also quite a few limited or distillery only releases. These don't necessarily equate to bourbon you will enjoy. Don't buy something just because it might be the only time you'll be able to get it.
Try before you buy! It's pretty easy in most cases to get a pour of something before committing to a whole bottle. You'll find a bottle which sounds like it might be your thing is actually something you don't enjoy.
Take the time to talk to people. There were definitely people that were there to "hunt" bottles. You could just feel the eye rolls by employees. These people walk in, ask for a bottle, and walk out. You're in Kentucky! Sit back and experience whiskey for yourself! Try a pour of something you've never heard of based on the recommendation of a stranger at the bar. Trade stories of restaurants/distilleries/attractions you enjoyed during your day. You might even get the inside scoop on something that you may have missed otherwise.
Bardstown outside of peak season lacks off hours attractions. We also could have missed them. But we found that most attractions and even locally owned shops opened at 10am and closed at 4pm. There wasn't much to do in the evenings other than pony up to the bar. It's fine, but a little variety would have been welcome. I'm told it's a little more lively in season. But we definitely enjoyed the smaller crowds.

Anyway, that's all I've got! If you're planning on visiting Bardstown anytime soon, I'm genuinely envious. It's a wonderful place. Thanks for reading!

submitted by Gaming_N_Whiskey to bourbon [link] [comments]