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- You can factory reset an ipad (without the passcode) by turning it on while connected to a computer (+itunes).
- Confirmed my DigitalOcean bill is now jus the wp droplet blog, not sbsc.
- Remember that apple takes 30% of the purchase price of apps in the app store. And 30% of in-app purchases. Crazy. But I looked up google play today to compare, and it’s the same (well, it starts at 15% for the first 1M/yr in revenue to encourage startup, then becomes 30).
- Checked the november ADP employment report: https://adpemploymentreport.com/. Subscribed to the monthly via email.
- Wired from schwab to boa ($15 fee, and you have to submit before 4pm ET to have it transfer the same day). Arrived in <5min.
- SBSC updated banner, committed lines, submitted picks.
- Again, their maintenance is so bad: https://www.superbook.com/supercontest/weekly-card-13/.
- It’s
buccaneers** (with two asterisks for home team instead of one).
- There’s been an inconsistency in half the weeks this season.
- Mahlstedt LLC.
- Got $300 credit for the boa business account (not sure if this was for cc spend or zenbusiness affiliate, I think the former – so $200 more should come later).
- Remember too there’s the $16/mo fee for the business checking account if the balance is below 5k.
- Analyzed all books for Mahlstedt LLC, assets and liabilities. Looks good, all balanced. Paid everything. Should be 0 boa business bills (unless you use the corporate card).
- For BoA business accounts: the individual card account balances don’t matter on the main view, they’re just there to show the distribution across multiple cards. For payments and balancing, just look at the rollup corporate account (ignore individual card accounts).
- Liquidated my Kalshi position. >1k contracts for NO moon landing before Jan 1 2025. Around 86cents avg price.
- Jan Gustafsson is definitely one of my favorite chess commentators lol. So dry and sarcastic.
- Magnus and Dubov advance to the MrDodgy finals, tomorrow should be a good match. Aronian beat Andreikin to advance in scc (this match was excellent).
- Liveaquaria delay. They don’t update the “in stock” params quickly enough during large sales like black friday so you can fill a cart and submit an order on items that are actually out of stock. Saddest about the 2 new anemones (rose and sebae), hopefully they’ll still get here before friendsgiving on saturday.
- Kinda against commods in general (there are exceptions). Equity investments are an attempt to aim the future (where you add value accordingly), but commods are for the present – if that makes sense.
- JPowell spoke at Brookings about the economic outlook: https://www.youtube.com/watch?v=yYUIt6FtIB4.
- Basically – inflation is still too high, so we’ll keep hiking interest rates, but not as much as the past few.
- Inflation in 3 buckets: core services, housing, and non-housing.
- Lots of private work.
- Craniometrix another healthtech startup trying to help alzheimer’s: https://www.craniometrix.com/
- SBF gave an interview: https://www.nytimes.com/live/2022/11/30/business/sam-bankman-fried-interview.
- Another pile of deflection. “I was not aware..” “I did not knowingly…” disappointing.
- Andrew Sorkin is a pretty direct interviewer, but I would take it even further. Ask straight, simple questions. Require yes or no answers. Did you comingle funds? Did you talk with alameda about lending? Had you looked through the books yourself? Is this tweet a lie? Etc etc. If they don’t respond with yes or no, ask the exact same question again.
- When asked if he did certain things or knew certain things, he would counter with the question “at what date” lol.
- The “I’m a good guy” look is so disingenuous now too. “All my lawyers are telling me to stay quiet but look at me, I am honest and open and want to keep you all in the loop.” You’ve been caught in that exact same lie publicly multiple times.
- Tried a little greek yogurt mixed with scrambled eggs before cooking. Final product was a little creamier and richer.
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- Research on broker-dealer registration.
- Will take my SIE and Series 7 exams soon.
- Lots of private work.
- Gemini earn withdrawals still haven’t come through (estimated completion was yesterday).
- Hadn’t heard back from Motogrrl about the Dec+Jan storage extension (called last week then submitted the “contact us” site form), so emailed today. They confirmed. They have everything on file, so will basically autocharge me the 1st of every month that the ducati remains parked there.
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- Ok, looks like you can indent in the latest wp release – the bug that I previously spoke of. It just doesn’t show up in edit mode. It shows up on the actual post.
- Bankruptcy code.
- Individuals: chapter 7 and chapter 13.
- Businesses: chapter 7 (liquidation) or chapter 11 (reorganization).
- Other chapters are for municipalities, farmers, fishermen, specific situations.
- BlockFi filed chapter 11. Their email didn’t use the word “bankruptcy” once, it just had links to other blogs and FAQs. The casual reader probably didn’t even catch it.
- Sam Harris on leaving twitter:
- https://www.youtube.com/watch?v=N9SFZNzF2Lo
- Started to see people as irredeemable. Receiving hate. Blocking. Ending discourse. In general, quickening the trigger to judge and preconceive. Making a worse human.
- [on elon] “The lesson was that how one of the most productive people of my generation was needlessly disrupting his own life, and damaging his reputation, by his addiction to twitter.” Not that decisionmaking was imperfect or anything else; just that a person was being reduced by twitter. Didn’t want to apply that to himself any longer.
- Liquidated some more positions.
- Rangers/devils at the garden.
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- Lots of private work.
- Bought 2023 platinum season pass to six flags.
- Officially done with the world cup after this arg/mex game today. I try to find something watchable in soccer every few years on the biggest stage, but the flopping+boredom is simply a combination for an unenjoyable sport. Will try again in 2026, I guess. It takes 2 seconds of video review to determine if a player is acting. 5 game suspension. Problem solved.
- Played with harnesswealth and a few other calculators.
- Nemo is ocellaris. My platinum storm is technically ocellaris, but my orange/white/black clownfish are perculas. Others are frenatus (tomato), biaculeatus (maroon), clarkii (clark’s), perideraion (skunk), more. Bubbletips are compatible with many, but my long tentacle anemone will probably only host clark’s/skunk/saddleback/maroon (and sebae only clark’s/maroon).
- Ordered liveaquaria: rose bubbletip anemone, bluetip sebae anemone, sally lightfoot crab, saron shrimp, tiger cowrie, sailfin blenny.
- Live food research. Worms, bugs, artemia, more. Ordered some.
- Would love to have a full refugium in my sump cabinet, I just don’t have the space. I’ve experimented with copepods before (and phytoplankton to sustain them) so that I’d have a continuous supply of food streaming to the display tank, but could never sustain the population. I’d need a light in the stand, as well as pumps, plumbing, live rock/sand, etc. It’s called a “refugium” because it’s basically a mini version of your display tank, but allows refuge because creatures can live here without being preyed on by the fish. Grow extra algae, worms, plants, amphipods, etc.
- Brine shrimp hatchery. Also called sea monkeys, or artemia. Basically add eggs to tank water (needs light, heat, ph, salinity, flow/aeration, etc all the same). Incubate for about a day until they hatch, then separate the shrimp from eggs/other and add to tank. You could do this directly in your tank, but need to avoid the return pump crushing everything, filter, the egg waste, getting eaten before hatch, etc. Easier just to do separately.
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- Did some research on Pipe, the ARR-backed financing company. All 3 founders stepping down. Citing “inexperience”…but one allegedly lent 80M from pipe to a btc miner last year.
- Mr Dodgy tournament. 32 players, 2×16 round robins, then 16 knockout. 5+0 format. Magnus, dubov, grischuk, keymer, esipenko, svidler, more. Chaos.
- (duh) Remember bonds are securities. Fixed income.
- The fox sports streaming service for world cup is garbage. Invalid token signatures, bad cookies, unknown error codes. Have to go incognito or clear every day. Just switched to other streamers.
- USA/England tie 0-0 after 90min.
- Lots of private work.
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- Thanksgiving. Made a pork center cut loin, glazed with maple honey. Made scratch roasted garlic sauce. Called family.
- NFL, world cup, chess.
- ISDA = international swaps and derivatives association. The ability to participate in much larger deals.
- Curated contacts.google.com. Merged all suggestions. Added details. Deleted junk contacts. Deleted labels. Added birthdays so they’d show up in gcal.
- Lots of private work.
- Baking powder is alkaline. Add it to the dry rub. Increases the skin’s pH, allowing proteins to break down easily, making skin more brown/crispy. Baking soda does the same thing, but adds a weird flavor.
- Upgraded to ios 16.1.1.
- Watched the big short for the first time in a while. Summary below.
- Mortgage-backed securities. MBS. Like bonds. Like any other securitization process (think equity in companies). Act as the intermediary between borrower and lender. Wrap a bunch of mortgages (loans) into an MBS instrument and sell it. The buyer acts as the lender (investor) and the seller takes a small cut. The end user is the homeowner, paying interest as expected.
- This is a type of CDO, collateralized debt obligation. There’s MBS, ABS (asset-backed), etc. There’s also CBO (bond), CLO (loan), etc.
- There are tranches of credit ratings. A scale of risk. AAA -> AA -> A -> BBB -> BB -> B -> CCC etc. AAA is the lowest risk. Risk increases down the scale (but so can return, of course).
- There’s allegedly some bad incentivization in the ratings market too. You could get a higher grade by working directly with the agency (paying…).
- MBSs started as high quality (in the As).
- MBS returns were great, but it’s a finite market. There are only so many houses and people with enough money to pay mortgages safely.
- So lenders started dipping into the less-reliable bucket. Subprime lending. Giving home loans to people with bad credit. A bubble that feels fine now and bites later.
- These risky mortgages started bleeding into the MBS, causing the majority of mortgages in bonds to be in the Bs (way lower quality).
- That, plus many had adjustable rates that would begin trigging in 07.
- CDS is insurance for a loan. They’ve existed since the early 1990s. The buyer is usually the lender. They pay extra. As expected. They’re getting insurance. The seller is usually a bank who prices the risk of default. If the borrowers of the loans default, the seller of the CDS pays the buyer. The bank pays the lender. It’s a hedge. Without this, the default means the lender loses. With this, they pay a little extra for the insurance.
- But CDSs can apply to any risky investment. Michael Burry wanted to short the housing market (due to the above), so he went around to a ton of different banks and bought CDSs from them. He gets paid if mortgages (borrowers) default. It costs him extra money to buy these. In his case, it’s an investment, not an insurance policy. It’s a little weird, that’s why it was a new use case; basically buying an insurance policy on someone else as a potential payday (since he wasn’t the lender doing a hedge). The banks just expected to get paid an expected premium by selling these instruments, since the likelihood of default was perceptibly low.
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- Registered for AWS re:Invent (next week).
- Speed Chess Championship started. Really weird format. It’s a 1:1 multi-mode match every few days.
- Called and emailed motogrrl to extend my ducati parking through dec and jan.
- Wild Wild Country on netflix. Bhagwan Shree Rajneesh. Nuts.
- Lots of private work.
- Committed sbsc lines for thanksgiving week.
- Did an analysis of the nominal sbsc statistics but restricted to only this season so far (11 weeks). Used that to submit my picks.
- Underdog 54, favorite 43.6.
- Home 49.1, visitor 48.4.
- Best coverers, in order (everyone over 50% cover, 10 total): titans, giants, pats, cowboys, bengals, commanders, seahawks, jets, lions, falcons.
- Overperformance: cowboys (8!!), jets, seahawks, pats, bills, jags, titans, commanders, 49ers, chiefs.
