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A question for christians regarding trans

danmand

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While SVB dod a lot of stupid things re Woke etc, this was not their downfall.

All banks lend money short term, and loan money long term. All banks are therefore susceptible to bank runs, when lenders of short term money- depositors - demand their money.

The bank run in SVB was caused by a lack of solvency, that became clear to depositors, when the bank failed to attract new capital. The bank lost money ($1.4B) on government bonds, when the interest rate went up.

All Banks have the same structural problem, therefore the conditions for a general bank run exists.
 

Addict2sex

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While SVB dod a lot of stupid things re Woke etc, this was not their downfall.

All banks lend money short term, and loan money long term. All banks are therefore susceptible to bank runs, when lenders of short term money- depositors - demand their money.

The bank run in SVB was caused by a lack of solvency, that became clear to depositors, when the bank failed to attract new capital. The bank lost money ($1.4B) on government bonds, when the interest rate went up.

All Banks have the same structural problem, therefore the conditions for a general bank run exists.
To hedge interest it only take 5 minutes to buy hedge or put in your position! You know the US Fed Reserves going to hike interest. then you have to buy put! It what Michael Burry in the short did on the Mortgage! He Michael Burry knew the USA financial crisis of 2008 the housing was all fake so he went to Goldman Sach and then he was able to buy put all all the mortgages before the mortgage housing collapse! He shorted the housing market ! Exactly like in the the movie the “ The BiG Short”

Just like me I was on variable interest rate . I knew the mortgage or Prime Rate was going up so I bought fixed term mortgages rate last July 2021 before the prime rate start to move up, I lowered my cost on mortgage and reduced my risk!
Furthermore maybe the head of UK branch is in charge of world risk assessment for both Europe & Asia & North America branch!


PS. Admit it someone a woke director person didn’t do their job. Her main priority focus was wokism not focusing on her protecting the shareholders and bank depositer ! It only would had take a few minutes of her time! To minimize her risk on her end! All she could had done was buy put or place hedge on the interest rate!
 

mandrill

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PS. To hedge interest it only take 5 minutes to buy hedge or put in your position! You know the US Fed Reserves going to hike interest. then you have to buy put! It what Michael Burry in the short did on the Mortgage! He Michael Burry knew the USA financial crisis of 2008 the housing was all fake so he went to Goldman Sach and then he was able to buy put all all the mortgages before the mortgage housing collapse! He shorted the housing market ! Exactly like in the the movie the “ The BiG Short”

PPS. Just like me I was on variable interest rate . I knew the mortgage or Prime Rate was going up so I bought fixed term mortgages rate last July 2021 before the prime rate start to move up, I lowered my cost on mortgage and reduced my risk!
Furthermore maybe the head of UK branch is in charge of world risk assessment for both Europe & Asia & North America branch!
But it was the US branch that failed.
 

Addict2sex

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But it was the US branch that failed.
So maybe she bought hedge on the Europe branch and Asia and forgot to buy US branch! We will know Monday whether it all Global branch across the world. let see which branch get bailed out or closed ! The story is not finishe’d yet! Still lots of dirty laundry or hidden skeletons in the closet at SVB that you not aware of!
 

danmand

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To hedge interest it only take 5 minutes to buy hedge or put in your position! You know the US Fed Reserves going to hike interest. then you have to buy put! It what Michael Burry in the short did on the Mortgage! He Michael Burry knew the USA financial crisis of 2008 the housing was all fake so he went to Goldman Sach and then he was able to buy put all all the mortgages before the mortgage housing collapse! He shorted the housing market ! Exactly like in the the movie the “ The BiG Short”

Just like me I was on variable interest rate . I knew the mortgage or Prime Rate was going up so I bought fixed term mortgages rate last July 2021 before the prime rate start to move up, I lowered my cost on mortgage and reduced my risk!
Furthermore maybe the head of UK branch is in charge of world risk assessment for both Europe & Asia & North America branch!


PS. Admit it someone a woke director person didn’t do their job. Her main priority focus was wokism not focusing on her protecting the shareholders and bank depositer ! It only would had take a few minutes of her time! To minimize her risk on her end! All she could had done was buy put or place hedge on the interest rate!
It seems simple, but is everything but. To hedge a large portfolio of loans and bonds for interest changes is difficult, and very costly. I bet you most banks only partially hedged against interest rate hikes.

If it was simple and guaranteed profitable, there would be millions of billionaires now. Or at least a crowd.
 

Addict2sex

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It seems simple, but is everything but. To hedge a large portfolio of loans and bonds for interest changes is difficult, and very costly. I bet you most banks only partially hedged against interest rate hikes.

If it was simple and guaranteed profitable, there would be millions of billionaires now. Or at least a crowd.
Thanks you know a lot more then me!
But this bottom portion paragraph not for you ( denmand)but for the mandrill.
The alternative is a bank run! Don’t you think , Guess maybe the time she better spend on doing that ( hedge) then focusing on a 1 month pride and then 1 month for Europe, them 1 month pride on middle East and then 1 month pride on Asia / Africa. Guess that will be hindsight… with some common sense !
 
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danmand

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Thanks you know a lot more then me!
But this bottom portion paragraph not for you ( denmand)but for the mandrill.
The alternative is a bank run! Don’t you think , Guess maybe the time she better spend on doing that ( hedge) then focusing on a 1 month pride and then 1 month for Europe, them 1 month pride on middle East and then 1 month pride on Asia / Africa. Guess that will be hindsight… with some common sense !
Surely, they were idiots. Who can disagree?
 

danmand

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This is the scary part:

Silicon Valley Bank Followed Exactly What Regulation Recommended

SUNDAY, MAR 12, 2023 - 05:15 PM
Authored by Daniel Lacalle,
The second largest collapse of a bank in recent history could have been prevented. Now, the impact is too large, and the contagion risk is difficult to measure.





The demise of the Silicon Valley Bank (SVB) is a classic bank run driven by a liquidity event, but the important lesson for everyone is that the enormity of the unrealized losses and financial hole in the bank’s accounts would have not existed if it were not for ultra-loose monetary policy.
Let us explain why.
As of December 31, 2022, Silicon Valley Bank had approximately $209.0 billion in total assets and about $175.4 billion in total deposits, according to their public accounts. Their top shareholders are Vanguard Group (11.3%), BlackRock (8.1%), StateStreet (5.2%) and the Swedish pension fund Alecta (4.5%).
The incredible growth and success of SVB could not have happened without negative rates, ultra-loose monetary policy, and the tech bubble that burst in 2022. Furthermore, the bank’s liquidity event could not have happened without the regulatory and monetary policy incentives to accumulate sovereign debt and mortgage-backed securities.
The asset base of Silicon SVB read like the clearest example of the old mantra: “Don’t fight the Fed”.
SVB made one big mistake: Follow exactly the incentives created by loose monetary policy and regulation.
What happened in 2021? Massive success that, unfortunately, was also the first step to its demise. The bank’s deposits nearly doubled with the tech boom. Everyone wanted a piece of the unstoppable new tech paradigm. SVB’s assets also rose and almost doubled.
The bank’s assets rose in value. More than 40% were long-dated Treasuries and mortgage-backed securities (MBS). The rest were seemingly world-conquering new tech and venture capital investments.
Most of those “low risk” bonds and securities were held to maturity. They were following the mainstream rulebook: Low-risk assets to balance the risk in venture capital investments.
When the Federal Reserve raised interest rates, they must have been shocked.
The entire asset base of SVB was one single bet: Low rates and quantitative easing for longer.
Tech valuations soared in the period of loose monetary policy and the best way to hedge that risk was with Treasuries and MBS. Why would they bet on anything else? This is what the Fed was buying in billions every month, these were the lowest risk assets according to all regulations and, according to the Fed and all mainstream economists, inflation was purely “transitory”, a base-effect anecdote. What could go wrong?
Inflation was not transitory and easy money was not endless.
Rate hikes happened. And they caught the bank suffering massive losses everywhere. Goodbye bonds and MBS price. Goodbye tech “new paradigm” valuations. And hello panic. A good old bank run, despite the strong recovery of the SVB shares in January. Mark-to-market unrealized losses of $15 billion were almost 100% of the market capitalization of the bank. Wipe out.
As the famous episode of South Park said: “…Aaaaand it’s gone”. SVB showed how quickly the capital of a bank can dissolve in front of our eyes.
The Federal Deposit Insurance Corporation (FDIC) will step in, but it is not enough because only 3% of the deposits of SVB were less than $250,000. According to Time Magazine, more than 85% of Silicon Valley’s Bank’s deposits were not insured.
It is worse. One third of U.S. deposits are in small banks and around half are uninsured, according to Bloomberg.
Depositors at SVB will likely lose most of their money and this will also create significant uncertainty in other entities.
SVB was the poster boy of banking management by the book.
They followed a conservative policy of adding the safest assets -long-dated Treasury bills- as deposits soared.
SVB did exactly what those that blamed the 2008 crisis on “de-regulation” recommended.
SVB was a boring and conservative bank that invested the rising deposits in sovereign bonds and mortgage-backed securities and believed that inflation was transitory as everyone except us, the crazy minority, repeated.
SVB did nothing but follow regulation and monetary policy incentives and Keynesian economists’ recommendations point by point.
SVB was the epitome of mainstream economic thinking. And mainstream killed the tech star.
Many will now blame greed, capitalism and lack of regulation but guess what?
More regulation would have done nothing because regulation and policy incentivize adding these “low risk” assets. Furthermore, regulation and monetary policy are directly responsible for the tech bubble. The increasingly elevated valuations of non-profitable tech and the allegedly unstoppable flow of capital to fund innovation and green investments would never have happened without negative real rates, and massive liquidity injections. In the case of SVB, its phenomenal growth in 2021 is a direct consequence of the insane monetary policy implemented in 2020, when the major central banks increased their balance sheet to $20 trillion as if nothing would happen.
SVB is a casualty of the narrative that money printing does not cause inflation and can continue forever.
They embraced it wholeheartedly, and now they are gone.
SVB invested in the entire bubble of everything: Sovereign bonds, MBS and tech. Did they do it because they were stupid or reckless? No. They did it because they perceived that there was exceptionally low to no risk in those assets. No bank accumulates risk in an asset they believe has considerable risk. The only way in which a bank accumulates risk is if they perceive that there is none. Why do they perceive it? Because the government, regulators, central bank, and the experts tell them so. Who will be next?
Many will blame everything except the perverse incentives and bubbles created by monetary policy and regulation and will demand rate cuts and quantitative easing to solve the problem.
It will only worsen. You do not solve the consequences of a bubble with more bubbles.
The demise of Silicon Valley Bank highlights the enormity of the problem of risk accumulation by political design. SVB did not collapse due to reckless management, but because they did exactly what Keynesians and monetary interventionists wanted them to do.
 

mandrill

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So maybe she bought hedge on the Europe branch and Asia and forgot to buy US branch! We will know Monday whether it all Global branch across the world. let see which branch get bailed out or closed ! The story is not finishe’d yet! Still lots of dirty laundry or hidden skeletons in the closet at SVB that you not aware of!
Sure, buddy.

In the sane, reasonable world, look at the video that Mitch linked and Danny's post for some accurate info.
 

danmand

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basketcase

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That is my point that the right wingers cite science as their belief that there are only women and men yet the very doctrine from which all of their beliefs are derived says the opposite
They assume science is something like scripture, someone says something and they accept it as true simply because the were told it's true. Nothing else is needed.

That's why they keep freaking out when scientists discover things that contradict previous thinking. They can't understand the idea that for rational people, conclusions can change when there is new evidence and therefore have hissy fits about science being fake or a conspiracy.

I have no idea what would make a person feel like their body is the wrong gender but there are pieces of science emerging showing biological components to gender dysphoria so I'm not going to dismiss it as a hoax simply because I don't get it.
 

Darts

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This is almost scarier than the failure of SVB and Signature Bank: the Fed will bail out all depositors in the two banks.
The Fed had no choice but to restore confidence in the U.S. banking system.

1) The Federal Reserve should take over administration of the bank.

2) Bring in real bankers whose sole purpose is to focus on banking.

3) Fire all the wokies so they can concentrate on woke issues.

4) The bonds will all eventually mature at full value. The proceeds will be used to repay the Fed.
 
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dirtydaveiii

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So because one of the bank's execs is a gay person of colour, the bank is a "woke" bank and that's why it failed??!!

Doesn't that assume that all gays and all persons of colour are incompetent and irresponsible? 🙀 :D :p :sneaky: :geek: 🐸 😯 :unsure:

I can go to any modern large corporation in the West and find an upper level exec who is either gay or non white or both. We live in a multi cultural society.
Why of course don't you read fox news ? If anything happens in a city that has a Democrat mayor it always the mayors fault. Get with the program libtard
 

dirtydaveiii

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The Fed had no choice but to restore confidence in the U.S. banking system.

1) The Federal Reserve should take over administration of the bank.

2) Bring in real bankers whose sole purpose is to focus on banking.

3) Fire all the wokies so they can concentrate on woke issues.

4) The bonds will all eventually mature at full value. The proceeds will be used to repay the Fed.
The fed is comprised of actual bankers lol
 

mandrill

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They assume science is something like scripture, someone says something and they accept it as true simply because the were told it's true. Nothing else is needed.

That's why they keep freaking out when scientists discover things that contradict previous thinking. They can't understand the idea that for rational people, conclusions can change when there is new evidence and therefore have hissy fits about science being fake or a conspiracy.

I have no idea what would make a person feel like their body is the wrong gender but there are pieces of science emerging showing biological components to gender dysphoria so I'm not going to dismiss it as a hoax simply because I don't get it.
Righties also believe that Eve was made from Adam's rib and their children fucked and made other incest-children with no deformities. 😹 😯:unsure:
 

Dutch Oven

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Righties also believe that Eve was made from Adam's rib and their children fucked and made other incest-children with no deformities. 😹 😯:unsure:
You are making a case that your progenitors may not have in fact, partaken of the tree of knowledge. :)

Obviously, the story of Adam and Eve requires some interpretation on the part of the reader. If Adam existed in the world before Eve, Adam would have had no need of any sexuality. It is more reasonable to interpret that in creating Eve, God created male and female sexuality in humans at the same time, from the same materials. In that light, the creation of Eve is not derivative of Adam, but rather is a redesign of the human species for sexual reproduction. The rib is only symbolic of the materials used to create humankind. (Of course, men and women, biologically, have the same number of ribs.)

As to the generations that followed, Eve had 3 sons: Cain, Abel, and Seth. While Cain fathered Enoch, that line perished. Seth is said to have fathered many surviving offspring. Seth is said to have married his sister, Of course, human genetics have changed greatly over the centuries. Perhaps birth defects were not so prevelant among children born of closely related parents at that time. Not to mention the whole "God overseeing the whole operation" aspect! In any event, if you can believe in a creator, surely it is not much more to believe that the original genetics designed by the creator could allow for successful procreation among the closely related. Noah and his family are said to be descendants of Seth, and thus Seth is the progenitor of all mankind which survived the flood.

I don't believe the Bible is a text book, but it might have more information in it that you give it credit for. Atheists can say they believe in evolution, but does anyone claim to know what caused the creation of even the first single celled organisms at the beginning of evolution's chain? I don't think so.
 
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Valcazar

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As to the generations that followed, Eve had 3 sons: Cain, Abel, and Seth. While Cain fathered Enoch, that line perished. Seth is said to have fathered many surviving offspring. Seth is said to have married his sister, Of course, human genetics have changed greatly over the centuries. Perhaps birth defects were not so prevelant among children born of closely related parents at that time.
Obviously God created Adam and Eve and they had kids and then Seth took wives from the humans who evolved outside the Garden of Eden.

There - genesis solved.
 
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