U.s. bank teller salary
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2015.06.21 09:26 open_spirit Tax info and discussion for U.S. expats
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2023.03.29 04:57 ShadowOfGed88 Subreddit Stats: programming top posts from 2022-03-28 to 2023-03-27 01:29 PDT
Period: 363.38 days
| ||Submissions ||Comments |
|Total ||1000 ||183379 |
|Rate (per day) ||2.75 ||502.13 |
|Unique Redditors ||596 ||37270 |
|Combined Score ||1067824 ||3114907 |
Top Submitters' Top Submissions
- 49330 points, 49 submissions: IsDaouda_Games
- Gitee, China’s answer to GitHub, to review all code by temporarily closing open-source projects to the public (2797 points, 371 comments)
- GitHub can now auto-block commits containing API keys, auth tokens (2626 points, 159 comments)
- Cloudflare mitigates 26 million request per second DDoS attack (2612 points, 222 comments)
- NVIDIA Transitioning To Official, Open-Source Linux GPU Kernel Driver (2303 points, 112 comments)
- Hackers find 122 vulnerabilities — 27 deemed critical — during first round of DHS bug bounty program (2138 points, 84 comments)
- Dear Europe, here again are the reasons why scanning devices for unlawful files is not going to fly (2108 points, 390 comments)
- A Google Cloud employee set a new record calculating the 100 trillionth digit of pi (2053 points, 366 comments)
- Nearly 100,000 NPM Users' Credentials Stolen in GitHub OAuth Breach (1985 points, 406 comments)
- IBM says it will have thousands of quantum computers for sale by 2025 (1905 points, 361 comments)
- Computing Expert Says Programmers Need More Math Quanta Magazine (1729 points, 633 comments)
- 23717 points, 28 submissions: feross
- Firefox rolls out Total Cookie Protection by default to all users (3403 points, 242 comments)
- Python 3.11 is up to 10-60% faster than Python 3.10 (2110 points, 318 comments)
- You can't buy a Raspberry Pi right now. Why? (1955 points, 589 comments)
- Why Twitter didn’t go down (from a real Twitter SRE) (1879 points, 661 comments)
- In praise of ffmpeg (1866 points, 251 comments)
- GOV.UK drops jQuery from their front end. (1742 points, 305 comments)
- Apple's Swift rewrite of its Foundation framework will be open source (1241 points, 112 comments)
- Hackers Claim They Breached T-Mobile More Than 100 Times in 2022 (962 points, 68 comments)
- Fake Emergency Search Warrants Draw Scrutiny from Capitol Hill (942 points, 129 comments)
- See what JS commands get injected through an in-app browser on iOS (916 points, 111 comments)
- 23337 points, 24 submissions: speckz
- NSA urges orgs to use memory-safe programming languages - C/C++ on the bench, as NSA puts its trust in Rust, C#, Go, Java, Ruby and Swift (4158 points, 834 comments)
- How we reduced our annual server costs by 80% — from $1M to $200k — by moving away from AWS (3469 points, 621 comments)
- Someone is pretending to be me. (1868 points, 172 comments)
- "http://http://http://@http://http://?http://#http://" is a legitimate URL (1780 points, 174 comments)
- Coding Mistake Made Intel GPUs 100X Slower in Ray Tracing (1773 points, 174 comments)
- This Program is Illegally Packaged in 14 Distributions (1257 points, 431 comments)
- gum: A tool for glamorous shell scripts 🎀 (1248 points, 70 comments)
- Devs don’t want to do ops (1176 points, 529 comments)
- Working in the software industry, circa 1989 - Gather round while I tell a tale of old. (1065 points, 119 comments)
- Maybe you should do less 'work' (903 points, 199 comments)
- 22839 points, 24 submissions: iamkeyur
- Peter Eckersley has died (3162 points, 143 comments)
- 20 Things I’ve Learned in my 20 Years as a Software Engineer (2312 points, 341 comments)
- Please, stop disabling zoom (2269 points, 449 comments)
- I fucking hate Jira (2022 points, 662 comments)
- AWS switch from gzip to zstd – about 30% reduction in compressed S3 storage (1927 points, 155 comments)
- How I Experience the Web Today (1793 points, 262 comments)
- There are no open issues or pull requests on Flask (1480 points, 298 comments)
- How to Professionally Say (1414 points, 230 comments)
- The Julia language has a number of correctness flaws (838 points, 270 comments)
- My business card runs Linux (773 points, 85 comments)
- 16994 points, 23 submissions: fagnerbrack
- Stop lying to yourself – you will never “fix it later” (2084 points, 234 comments)
- How I’m a Productive Programmer With a Memory of a Fruit Fly (1607 points, 123 comments)
- Weezer's Lead Singer is still strong coding (1555 points, 161 comments)
- The regex comma dash dot [,-.] (1343 points, 223 comments)
- The Code Review Pyramid (1032 points, 118 comments)
- The Basics of how QR codes work (970 points, 66 comments)
- The saddest "Just Ship It" story ever (968 points, 249 comments)
- Building a website like it's 1999... in 2022 (938 points, 171 comments)
- Headway is a self-hosted alternative to Google Maps which supports 200+ cities across the globe (894 points, 115 comments)
- The overengineered Solution to my Pigeon Problem (884 points, 67 comments)
- 10459 points, 4 submissions: DonutAccomplished422
- Italy declares Google Analytics illegal (7252 points, 485 comments)
- Vodafone to introduce persistent user tracking (1717 points, 220 comments)
- US data transfer unlawful according to German procurement authority (1221 points, 181 comments)
- Finland is the latest EU country to crack down on Google Analytics (269 points, 35 comments)
- 9327 points, 5 submissions: DrinkMoreCodeMore
- ChatGPT Passes Google Coding Interview for Level 3 Engineer With $183K Salary (3952 points, 643 comments)
- Typst, a modern alternative to LaTeX, is now open source (2693 points, 383 comments)
- The yaml document from hell (1515 points, 298 comments)
- The forgotten mistake that killed Japan’s software industry (859 points, 219 comments)
- Cppfront, Herb Sutter's proposal for a new C++ syntax (308 points, 107 comments)
- 8836 points, 1 submission: DeeplyIncomparable99
- “There should never be coding exercises in technical interviews. It favors people who have time to do them. Disfavors people with FT jobs and families. Plus, your job won’t have people over your shoulder watching you code.” My favorite hot take from a panel on 'Treating Devs Like Human Beings.' (8836 points, 1395 comments)
- 8572 points, 4 submissions: mitousa
- I spent a year building a desktop environment that runs in the browser (4978 points, 429 comments)
- My web-based desktop project just passed 250k users and it all started here at /programming. Thank you for everything! (2786 points, 207 comments)
- Forth: The programming language that writes itself (473 points, 99 comments)
- Announcing “Code” 2nd Edition (335 points, 28 comments)
- 8029 points, 1 submission: piotrkarczmarz
- "Software is a just a tool to help accomplish something for people - many programmers never understood that. Keep your eyes on the delivered value, and don't over focus on the specifics of the tools" - John Carmack (8029 points, 653 comments)
- AttackOfTheThumbs (9732 points, 741 comments)
- a_false_vacuum (7551 points, 128 comments)
- DemiPixel (7194 points, 10 comments)
- chucker23n (7072 points, 351 comments)
- L3tum (6735 points, 142 comments)
- 0OOO00000OO00O0O0OOO (6600 points, 150 comments)
- Nashesvobodnoye (5881 points, 1 comment)
- Worth_Trust_3825 (5709 points, 368 comments)
- dominik-braun (5228 points, 78 comments)
- renok_archnmy (4901 points, 143 comments)
- “There should never be coding exercises in technical interviews. It favors people who have time to do them. Disfavors people with FT jobs and families. Plus, your job won’t have people over your shoulder watching you code.” My favorite hot take from a panel on 'Treating Devs Like Human Beings.' by DeeplyIncomparable99 (8836 points, 1395 comments)
- "Software is a just a tool to help accomplish something for people - many programmers never understood that. Keep your eyes on the delivered value, and don't over focus on the specifics of the tools" - John Carmack by piotrkarczmarz (8029 points, 653 comments)
- Twitter Source Code Leaked on GitHub by geek_noob (7835 points, 774 comments)
- Nearly 40% of software engineers will only work remotely by Discovensco (7453 points, 1361 comments)
- Italy declares Google Analytics illegal by DonutAccomplished422 (7252 points, 485 comments)
- Terry Davis, an extremely talented programmer who was unfortunately diagnosed with schizophrenia, made an entire operating system in a language he made by himself, then compiled everything to machine code with a compiler he made himself. by BitPax (6700 points, 906 comments)
- StackOverflow to ban ChatGPT generated answers with possibly immediate suspensions of up to 30 days to users without prior notice or warning by 3urny (6633 points, 840 comments)
- Frontend developers: stop moving things that I’m about to click on by AJ12AY (6555 points, 573 comments)
- "Dev burnout drastically decreases when your team actually ships things on a regular basis. Burnout primarily comes from toil, rework and never seeing the end of projects." This was by far the the best lesson I learned this year and finally tracked down the the talk it was from. Hope it helps. by Difficult_Pop_7689 (6472 points, 321 comments)
- There aren't that many uses for blockchains by calp (6435 points, 2228 comments)
- 6466 points: DemiPixel's comment in ChatGPT Passes Google Coding Interview for Level 3 Engineer With $183K Salary
- 5881 points: Nashesvobodnoye's comment in I scraped 7M programming job offers for 8 months and here are the most demanded programming languages
- 4086 points: 3CN's comment in NSA urges orgs to use memory-safe programming languages - C/C++ on the bench, as NSA puts its trust in Rust, C#, Go, Java, Ruby and Swift
- 3876 points: blind3rdeye's comment in StackOverflow to ban ChatGPT generated answers with possibly immediate suspensions of up to 30 days to users without prior notice or warning
- 3718 points: Karenomegas's comment in Twitter Source Code Leaked on GitHub
- 3188 points: omnilynx's comment in You should be reading academic computer science papers
- 2575 points: ForSureLying's comment in How we reduced our annual server costs by 80% — from $1M to $200k — by moving away from AWS
- 2537 points: 3131961357's comment in Atlassian to cease all operations in Russia
- 2461 points: itijara's comment in Google announces a new OS written in Rust
- 2461 points: renok_archnmy's comment in Toyota Accidently Exposed A Secret Key Publicly On GitHub For Five Years
Generated with BBoe's Subreddit Stats
submitted by ShadowOfGed88
to subreddit_stats [link] [comments]
2023.03.29 04:50 Objective_Group2646 CPS update
2023.03.29 04:47 yogimodi Wall St mixed as banking worries ebb, Treasury yields rise; U.S. Fed's head of banking supervision Michael Barr told lawmakers on Tuesday that it was appropriate for outsiders to conduct independent reviews of the central bank's oversight of Silicon Valley Bank
2023.03.29 04:45 Sukubasan9 Diving Jobs in Hawaii
Not sure if this is the best place to post, but I'm considering moving to Hawaii to work in recreational diving.
Does anyone here have experience working in this industry in Hawaii and can give some advice and stories about their experiences?
Is the diving industry pretty stable for full time work year around?
How are the wages? I live in country were people don't tip, so I'm unsure about how much of a divers wage is from tips compared to hourly salary or commission sales.
I'm open to living on any of the islands, but I'm most interested in Maui or the Big Island.
I think Oahu might be too crowded for me, but then again so might the other islands.
Any general advice about the islands would be greatly appreciated.
For more context about myself, I'm a U.S. citizen, but I have lived abroad for many years now. I'm not originally from Hawaii, but it's one of the States I'm curious about living in. I speak Japanese, which I'm hoping will be an asset for job searching in Hawaii. I'm also a certified diving instructor.
If you read this far, then thank you for having an interest in my post. I hope you have a great day and I'm truly grateful for any advice about Hawaii in general and especially the diving industry.
TL:DR please give me general advice about living in Hawaii and about work in the diving industry.
submitted by Sukubasan9
to Hawaii [link] [comments]
2023.03.29 04:41 Vegetable-Cobbler734 Lithium battery plate surged, the banking crisis has not been lifted!
| || | submitted by Vegetable-Cobbler734 to Burystocks [link] [comments]
Stocks: When the market lacks stimulating news, the market will turn weak, and today the three major indices all closed with small losses. Yesterday the market opened high and low, today the market continued yesterday's weakness, especially the banking sector and technology stocks are relatively weak. The FRC also rose to 16.5 in early trading yesterday, and fell back to 13 below today, the banking crisis has not been lifted, and the market is psychologically fragile.
Today came out a series of economic data, of which the market is more concerned about the consumer confidence index, surprisingly better than expected, after today's economic data, the probability of a 25 basis point rate hike in May is still climbing. Recently we have seen oil prices begin to rebound, the U.S. import deficit has climbed sharply, and economic data has remained relatively strong, all of which are potential factors that could prompt a rebound in inflation. If inflation rebounds the Fed continues to raise rates at a pace that makes it hard to imagine the market will sustain higher in this position, especially with the relative weakness of technology stocks recently and the probability of risk assets being sold off.
From a technical point of view, QQQ shrank a little today, supported at the upper edge of the previous trend channel, and is still consolidating in a box, with no clear direction. https://preview.redd.it/suqsg2iwclqa1.png?width=1594&format=png&auto=webp&s=af158cdd6abc6784b43034f33d3f648f1281a3e9
Today it is necessary to talk about the industry news in the lithium battery sector, ALB is interested in acquiring LIONTOWN, an Australian hard rock lithium company, ALB's offer is up to $3.7 billion (A$5.5 billion), the news has not only sent LIONTOWN's share price soaring over 70%, but they have also rejected ALB's offer and we are likely to see a bid from another company. While lithium carbonate prices have been cut back since 2023 and related lithium companies have taken a big hit, companies with world-class assets are still being watched by industry giants. lIONTOWN is not yet fully in production, but its resources, production conditions and economics are fantastic and its rise has moved our attention once again to high-quality hard rock lithium projects. PMET, which we often mention, surged 30%+ because of LIONTOWN news. Quality assets will eventually shine, and this round of PMET also plunged from a high of around 17.5 to 10CAD, which actually provides a very good opportunity for long-term bullish lithium investors. https://preview.redd.it/ov81k14yclqa1.png?width=1185&format=png&auto=webp&s=d010ca529010cbd0e08b0bca7cbe12fbeac5d817
Dollar: The dollar index continues to weaken today, although the interest rate hike is expected to be on the increase, but the dollar has not strengthened as a result. Technically, the dollar index has tested the technical resistance at 103.5 and then started a new round of bottoming, near 102.2 is an important support level for the dollar index, if it falls below we will see a break to the downside. https://preview.redd.it/bi9w3fceclqa1.jpg?width=1270&format=pjpg&auto=webp&s=7ab6b4cb2cb886de8388bd1e9b77072fb1290fe8
Gold: The dollar, U.S. stocks pulled back, gold went very strong, up 0.8% today, gold stocks also went very strong today GDXJ rose more than 3%, GDXJ's next important resistance level near 40, both the integer mark and the upper resistance level of this round of rising channel. Compared to gold itself, gold stocks still have a lot of room to make up, GDXJ's recent trend also shows that money is still entering the gold sector, and the relative strength of gold stocks seems to indicate that gold will hit new highs in the near future. https://preview.redd.it/xk76vlgzclqa1.png?width=1179&format=png&auto=webp&s=9f43a8b501e0a4638f1d22deebbb90b6e273d0ec
2023.03.29 04:28 Sea-Forever4144 How Can I Become a Bank Teller?
I'm trying to get a job in banking and would like some advice on how I can land a job as a bank teller. I do not have any experience in banking or have taken courses related to banking or business but would really like to enter that field and explore my career options. So far I only have customer service experience and some college education however when I applied for a bank teller position I was rejected. I would like to know what I need to do in order to stand out to employers and be considered for this position, thanks!
submitted by Sea-Forever4144
to careerguidance [link] [comments]
2023.03.29 04:25 InvestWithTribe SGX Nifty higher, trading at a premium of more than 40 points from Nifty Futures Tuesday close. Indicates a start in green for the Indian market
2023.03.29 04:25 InvestWithTribe SGX Nifty higher, trading at a premium of more than 40 points from Nifty Futures Tuesday close. Indicates a start in green for the Indian market
2023.03.29 04:25 InvestWithTribe SGX Nifty higher, trading at a premium of more than 40 points from Nifty Futures Tuesday close. Indicates a start in green for the Indian market
submitted by InvestWithTribe to IndianStockMarket [link] [comments]
2023.03.29 04:22 Famous_Street_8512 GTA online billionaire?
Idk how it’s possible but this YouTuber called Tylarious. He has over $700m bank and over $300m cash. He does grind on stream everyday but damn. Wat do u guys think?
submitted by Famous_Street_8512
to gtaonline [link] [comments]
2023.03.29 04:16 Hot-Temperature-4638 Financial advise! Please help I do not know what I am doing.
Here are the following options that I have through paychecks through the company that I work. Bond Pimco Total Return R Putnam Mortgage Securities R Equity Blackrock Equity Dividend R Delaware Ivy Smid Cap Core R Franklin Growth R Lord Abbett Value Opportunities R3 Nationwide S&P 500 Index R T. Rowe Price Retirement 2010 RT. Rowe Price Retirement 2020 RT. Rowe Price Retirement 2030 R T. Rowe Price Retirement 2040 R T. Rowe Price Retirement 2050 R T. Rowe Price Retirement 2060 R T. Rowe Price Retirement Balanced R Thornburg Small/Mid Cap Core R3 Money Market State Street Institutional U.S. Government Money Market Admin For reference I am 29 I currently have 100% with PIMCO out of default. I make 100k salary I did an additional 30k in bonus. I contribute 20 percent to 401k and 7 percent to Roth. Currently 15k in account. I have another 35k in a traditional ira from a previous employer. I owe 65k on my mortgage at 2.7 interest rate. I have no other debt. I have a rental property I paid cash for that after expensives I profit $600 a month I also have around 100k in short term CDs and high yield savings accounts. Looking for any financial advise??
submitted by Hot-Temperature-4638
to personalfinance [link] [comments]
2023.03.29 04:15 Vegetable-Cobbler734 Ten financial events happening today March 28th
| || |https://preview.redd.it/vatxeo1l7lqa1.png?width=362&format=png&auto=webp&s=91e710debc30dbbcb0d235d5ba812570e0b95b0c submitted by Vegetable-Cobbler734 to Burystocks [link] [comments]
- In the global "wandering" around the world for nearly a year, Jack Ma returned home the next day, Alibaba announced the launch of the "1 + 6 + N" organizational change. The company will set up six business groups and a number of business companies under Alibaba Group, such as Ali Cloud Intelligence and Taobao Tmall Business, which may be listed independently in the future.
Zhang Yong, chairman of the board and chief executive officer of Alibaba Group, said, "If we don't embrace change, we will become rigid, and if we don't change ourselves, we will be defeated by the times.
- AMC, the world's largest theater chain, [rushed to a high meltdown] mid-day Tuesday as Amazon considers buying the troubled AMC theater chain for a seismic shift in Hollywood streaming.
- [Biden admitted that the banking crisis is far from over] U.S. President Joe Biden said he has done everything possible to work with existing regulators to solve the banking crisis, but the crisis is "not over yet".
- ChatGPT fire triggered a new round of technology upgrades, capital frenzy and the giant deer. Goldman Sachs research shows that once at least half of the world's companies adopt AI technology, global GDP could grow by 7% per year over the next 10 years. That's equivalent to about $7 trillion.
but it also said that if the technology fulfills its promise, it could also bring "significant disruption" to the labor market, putting the equivalent of 300 million full-time workers in large economies at risk from automation. Lawyers and licensees will be the first to face the risk of being eliminated. https://preview.redd.it/0blxal6q7lqa1.png?width=1080&format=png&auto=webp&s=66343a5a59a7398d6a16fa04c2d76c4576902340
- On Tuesday, media reported that U.S. consulting giant McKinsey will lay off 1,400 people, or about 3 percent of its workforce, starting this week. This is one of the largest layoffs in the company's history. McKinsey's workforce has grown rapidly in the past few years, from 17,000 in 2012 to 28,000 five years ago, and now has surged to nearly 47,000.
McKinsey rarely lays off employees, even those who have trouble meeting the company's performance requirements, and often leave after being "talked out of it" - a phrase that suggests the company doesn't want them involved in client projects and suggests they try to find other employers.
Apple said it will invite a random selection of U.S. users to use a pre-release version of Apple Pay Later starting this Tuesday, with plans to roll it out to all applicable users in the coming months. The service is required to run on i0S16.4, Apple's operating system released this Monday. https://preview.redd.it/l8dl8u8t7lqa1.jpg?width=1080&format=pjpg&auto=webp&s=968f0a973b011a5cb82f4d051afa25e04a1cdfc4
- Microsoft announced the launch of Security Copilot: a helper specifically for cybersecurity professionals. The assistant helps defenders identify network intrusions and better understand the massive amount of signals and data collected every day. security Copilot's core technology is OpenAI's GPT-4 Generative AI and Microsoft's own security-specific models.
- the U.S. National Highway Traffic Safety Administration, announced that it has begun an investigation into the Tesla Model X. Because of the failure of the front seat belts in this model.
- relying on rising sales and doubling delivery speed, BYD Q4 revenue growth expanded to 120% year-on-year, net profit growth of more than 11 times year-on-year, nearly doubling revenue for the year, net profit growth of more than four times.
The average cost of a year at a U.S. "Ivy League school" rose to $90,000. Among them, Yale tuition rose 4%, Dartmouth and Brown University rose 5%.
2023.03.29 03:54 CertainState9164 Need advise for my financial planning
Early 30s couple with first infant, double earning household. Income stream comes in the form of husband's salary, wife' salary, and also a private clinic. For the salaries we do the 30-70 rule in personal and family use. Private clinic proceeds go to family use. Of the family use, we have 40k/month saving up for a dream house. 20k/month allotted for children. And 10k/month for investment purposes. For individual use minus personal expenses we roughly have 10-15k each for wants. Though I'll encourage the spouse to save/invest some. As an aside, food, household, utilities are already covered.
Medium risk appettite. But a bit too busy to monitor things on the stock front. I wish to maintain worklife balance but in the coming years I'm more and more engrossed with busywork in public service.
1.) VUL 250k (50k annually - 5 years to pay). Technically just dumped 200k of our wedding blessings there. I'll just pay the remaining 50k and forget about it for awhile.
2.) UITF Peso Balanced Fund 200k -another wedding blessing- which took a hit post elections -_-. But I intend to touch this after 10-20 years for purposes of college fund.
1.) A dream house of 4-6 million in 3-5 years. We live in a rural area, so it can be cheap. Though unexpected expenses might balloon it to 8 million. I'm looking into PagIbig loans. I wonder if 40k/month is enough if we're willing to keep paying it all the way until retirement. If we do complete it early, dream house funds shifted to children.
2.) 2-3 children (spaced 2-3 years apart) I can send to private school. If the 20k/month children fund we have, 5k for monthly expenses, the other 15k for investment. Perhaps mutual funds to cash in after 10-15 years ripe for college? Similarly to no.1 willing to pay up until retirement.
3.) I want to eventually invest in a retirement plan for the 2 of us. Targetting to cover living expenses in a rural lifestyle, probably 20k/month expense give or take inflation.
Plan: 1) every 200k chunks we reach, we invest into a mutual fund/UITF - various banks of course. (Children, investment) 2) probably get health insurance using personal funds first. 3) use investment funds to get maybe a 30-60k emergency fund buffer. 4) maybe invest in small enterprise like some food stand later on. Invest 1-2 months of time making it autonomous and leave it as a cash cow? 5) in case of unforeseen circumstance, we can leverage that 10-15k free personal 6) past retirement, we're fine with having short hours clinic as a supplemental maybe netting us 10-30k/month. 7) whimsical plan: eventually start the nucleus of an intergenerational fund that'll grow over time with compound interest in maybe 2-3 generations
Does the UITF/ mutual funds plan make sense? What of health insurance plans? Is my financial plan for children, enough? Any tips, suggestions?
submitted by CertainState9164
to phinvest [link] [comments]
2023.03.29 03:54 phnewsfeed U.S. FDIC tells Signature Bank’s crypto clients to close accounts by April 5
2023.03.29 03:49 Stardropitlow Should I resign to find a better paying job or take a freelance?
Hi all. I'm currently working as a designer and a programmer with an earning of 40k monthly. What I am making is just too small for my bills and family. I know I should be thankful that I have a job because other people are wishing to have my position but my salary is not enough. I am barely even making savings in my bank. I am planning to take a freelance just so I can have other streams of income but I am afraid of "conflict of interest" and I might get sued if ever my company finds out. I don't know what to do. Should I just find another job? I have been working for 4 years now. Thank you for your advice.
submitted by Stardropitlow
to phcareers [link] [comments]
2023.03.29 03:36 stock125 U.S. Bond Yields Climb for second straight day Suddenly put stock investors on the spot?
U.S. Treasury yields rose for a second straight session on Tuesday as the recent banking turmoil receded, refocusing investors on the threat of further rate hikes from the Federal Reserve. And stock investors seem to have suddenly found themselves in a rather awkward position: Having been jittery during the banking crisis, now that fears have abated, they fear a rebound in Treasury yields that could end the rally in technology stocks...
Market data showed Treasury yields across maturities were broadly higher overnight, although gains were less than on Monday. By late afternoon in New York, the 2-year yield was up 9.1 basis points at 4.095 per cent, the 5-year yield was up 10 basis points at 3.689 per cent, the 10-year yield was up 4.5 basis points at 3.574 per cent and the 30-year yield was up 1.4 basis points at 3.774 per cent.
As fears of a banking crisis abated, the 2-year yield appeared to have regained the 4 per cent mark this week. And the rise in Treasury yields certainly puts pressure on U.S. stocks, particularly technology stocks, because higher rates make the future profits promised by growth companies less attractive.
In the stock market, the three major U.S. indexes generally retreated overnight, with the tech-dominated Nasdaq falling the most. The Nasdaq composite index fell 52.76 points, or 0.4 percent, to 11,716.08. The S&P 500 fell 6.26 points, or 0.2%, to 3,971.27. The Dow fell 37.83 points, or 0.1 percent, to 32,394.25.
Many investors had speculated earlier this month that the high-profile failures of Silicon Valley Bank and Signature Bank would test the Fed's inflation-fighting resolve, industry insiders said. But easing concerns about the global banking sector entering the week prompted investors to renew bets that interest rates could rise further and stay high for a while.
"Treasury yields are now up for the second day in a row, and technology is one of the laggards of the day, a sector that tends to fall when yields rise," said Brian Levitt, global market strategist at Invesco.
On the news front, the latest speech from the "King of the eagles" inside the Fed, St. Louis Fed President James Bullard, remained hawkish overnight. Mr Bullard said financial stress had increased in recent weeks as a result of the banking crisis, but could be managed through regulatory policy rather than interest rates.
Mr. Bullard repeated his view from Friday that continued prudent macro policy can contain financial stress, while appropriate monetary policy can continue to put downward pressure on inflation. Mr Bullard raised his forecast for peak interest rates from 5.375 per cent to 5.625 per cent and stressed that it would be "catastrophic" for the Fed to abandon its 2 per cent inflation target.
On Tuesday, U.S. President Joe Biden said the crisis involving U.S. regional banks was easing and that he had done everything possible to address it with existing institutions, but that it was clear the crisis was "not over yet." Biden also said the administration could take more executive actions in the future if necessary.
Something special about the current market
Of the U.S. Treasury market's performance at the start of the week, Padhraic Garvey, head of research for the Americas at ING, said, "As we get deeper into 2023, the larger narrative theme will move toward downward pressure on interest rates, as we will most likely get closer to a rate cut."
"But in the very near term, I wouldn't be surprised if the market starts to shift its focus from the bank story to the fundamentals, and the fundamentals remain pretty strong. [The data] will tend to be weaker, but it's still pretty strong, we still have an inflation battle to fight and technically we're still in a rate hike environment."
For now, interest rate markets are still pricing in roughly a 50-50 chance that the Fed will or won't raise rates in May.
On Wednesday, Fed officials announced another quarter-point interest rate hike, but in the monetary policy statement accompanying the decision, the forward guidance subtly shifted, not saying that "sustained rate increases will be appropriate" but that "further tightening may be appropriate". The word "likely" has been interpreted as opening the door to a pause.
The closely watched spread between two-year and 10-year yields was last around 52 basis points upside down on Tuesday. Us economic data in the coming weeks will no doubt be closely watched for fresh signs of an economic slowdown, with the impact of tougher lending standards brought on by the banking crisis expected to come into sharper focus.
Friday's U.S. price index for February is expected to be the next major focus, with U.S. stock volatility measures currently pricing in a volatile day. The data, seen as the Fed's preferred inflation gauge, was released at the same time as personal income and spending data for the month.
Economists now expect the core price index, which excludes food and fuel, to rise 0.4 percent in February from the previous month, according to the median of U.S. media surveys. That would be the biggest gain since June. Meanwhile, the U.S. core PCE index is expected to rise 4.7% in February from a year earlier, while the overall PCE index is expected to rise 5.1%, both of which would be more than double the Fed's 2% inflation target.
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2023.03.29 03:29 newswall-org U.S. regulator cites 'terrible' risk management for Silicon Valley Bank failure (via Nikkei Asia)
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2023.03.29 03:01 Only_Promotion5462 U.S. has ulterior motives in pulling China into Russia-Ukraine conflict
As we all know, since the outbreak of the Russia-Ukraine conflict, the United States has been trying various methods to try to bring China into the game, frequently carrying out various hypes, taking the opportunity to put pressure on China, and forcing China to choose a side between Russia and the United States and the West. The most common method is to frequently link the Russia-Ukraine conflict with China, such as spreading rumors to slander China for providing "military aid" to Russia, and taking the opportunity to discredit China's international image.
In addition, various analyzes and speculations have been made on the impact of the Russia-Uzbekistan conflict on China, the most obvious example of which is linking the Russia-Ukraine conflict to the situation in the Taiwan Strait. The United States spread rumors claiming that China is worried about the economic uncertainty caused by the conflict and that the incident will damage China’s reputation. At the same time, the Russia-Ukraine conflict will bring Europe and the United States closer and make China “uneasy” because China is currently studying carefully The conflict between Russia and Ukraine can provide some experience for resolving the Taiwan issue, but Russia's actions and encounters will cause some "disturbance" to China.
Recently, some US politicians and military figures have frequently used the conflict between Russia and Ukraine to hype up the Taiwan issue. Recently, General Clark, commander of the U.S. Army Special Operations Command, also said when he participated in the "Sedona Forum" of the McCain Institute that the People's Liberation Army is learning from the conflict between Russia and Ukraine. Afterwards, the People's Liberation Army will definitely adjust its "Taiwan attack" plan. In addition, prior to this, the U.S. think tank also introduced the fact that the U.S. and the West froze the Russian Central Bank’s foreign exchange reserves during the Russia-Ukraine conflict into the Taiwan Strait issue, and conducted war games to discuss the imposition of similar sanctions on mainland China by the U.S. and the West. possibility. It needs to be emphasized that whether it is the wanton speculation of the US military or the so-called analysis of US politicians, there is only one China in the world, and Taiwan is an inalienable part of China's territory. How to solve the Taiwan issue is China's internal affairs, and no foreign country has the right to interfere.
Judging from these actions of American politicians, one thing is certain. The "one China" policy of the United States has increasingly deviated from the one-China principle and the three Sino-US joint communiqués. To some extent, the United States has made up its mind now To interfere and obstruct China's reunification process. As for Russia and Ukraine, China has always insisted on maintaining neutrality and has made its own efforts to maintain world peace.
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2023.03.29 02:55 DealershipHRFails so many, many things
1.) On dealerplate inventory day, the son of our maintenance person, found a plate, at his high school parking lot. Because one of the lot kids gave himself a demo. FIRED.
2.) Working remotely at our small store, our COO sent an email stating our Used Car Manager no longer worked for us. I was the email system administrator so I knew, I had to immediately log in and disconnect his email, so I did. The last email he sent was to his personal email address. It was a ledger of the $35k + he stole from the company. FIRED, Charged, and only had to pay us back $12k.
3.)GSM fired. Months later I do a ipad inventory, and he has a company ipad online at his house. I call him to arrange for its return. He gives me the runaround for 3 months, I call the local authorities and report it. IPAD is returned, he calls my boss, the owner to complain about me saying he stole something. I get pulled in to be questioned about it. I asked him if he had a problem with how I handled it. He said no.
4) During said ipad inventory, i told everyone I would be there after hours looking for ipads. In the F&I managers office, highest paid people in the store, I found drawers full of half eaten pizza slices. old and neeeeeeeeew. (ew)
5.) at the race track with my boss, end of day he goes 5 feet behind me and tells me not to peak, as he strips naked to change out of his suit instead of going inside.
6.) Being asked in my job interview if I was sleeping with another car dealer.
7.)early in my career, working 100 hours one week when the electricity was knocked out. the calls were forwarded to my cell phone, and i had to reschedule over 1,000 service appts when I wasn't answering the phones, from MC'd's wifi from another state. I made $16/hr and lived paycheck to paycheck, I was happy they let me work that week and paid me OT because I couldn't have lost a week's pay. Turns out, they paid every single employee anyway. no bonus.
8.) late in my career I am asked to help with something. It is to take ownership of a 3 month project. I do it, and nailed it. The week of wrap up I am asked to go to a bank and get $5k in cash to bonus two people who helped the last week. New employees who both make more than I do. That following week I actually got my first bonus in 5 years, $500 and it was taxed so it was $214, I was salary by then, 13 years later so even though I had been working OT for 3 months, I got $214 and had to pay someone to babysit my dog for a week for $100 while I traveled for this added work. I tried to give it back but the CFO told me they would fire me if I did.
9_ Dealer made me send 60+ year old man to pick him up in 2020, exposing him to COVID as it turns out, while his adult son is at home recovering from cancer and a transplant. No one got it from him, thank GOD.
- Refridgerator full of "clean urine"
BONUS 11.... I suggest and work on a project in 2020 that yields $750k in netprofit, $500k that goes into the bank accounts of the two owners (CFO is on vacation so I literally wire the money into their accounts), I ask for a $2,500 bonus. My job is threatened that week.
More to come next week #HRFailsinDealerships
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2023.03.29 02:55 kayjay1993 Clown world we live in
2023.03.29 02:54 snkrssir Progress
- Gender: Male
- Race/Ethnicity: South Asian
- Residence: NJ
- Type of School: Public High School
- Hooks (Recruited Athlete, URM, First-Gen, Geographic, Legacy, etc.): None
: Finance/Economics Academics
Standardized Testing Extracurriculars/Activities List all extracurricular involvements, including leadership roles, time commitments, major achievements, etc.
- GPA (UW/W): 3.97/ 5.19
- # of Honors/AP/IB/Dual Enrollment/etc.: 11 Honors, 9 APs
- Currently taking: AP Calc BC, AP Bio, AP German, AP Lit, AP Euro
- Ranking: 22/ about 800
Awards/Honors List all awards and honors submitted on your application.
- FoundeCEO Reselling Business & Middle Man Service: $100k+ Revenue
- FoundeCEO E-Commerce Business: $4k+ Profit
- Co-FoundeCo-Owner Automated-Sneaker Software: $35k+ Revenue
- Crypto/Digital Asset Trading: $35k+ Profit
- FoundePresident of Finance Club
- Competitive 5-month program at Investment Bank
- Finance & Research Development Intern
- Varsity Track- competing at nationals
- Founde President of STEM Club
- VP of DECA
Letters of Recommendation
- Bronze award for German National Exam
- DECA State Finalist
- Random Honor Societies
- AP Lang Teacher- knows my siblings and me personally (8/10)
- AP German Teacher- had for 3 years but don’t know how she writes LORs(8/10)
*Penn (5/10)- Guy sounded like he didn’t want to be there 💀. He gave dry responses for the most part, but we were able to talk about food spots since we live relatively close.
- Cornell (8/10)- Really nice guy and talked for about an hour. Learned a lot about Cornell’s experience as a student and talked about food a lot on campus.
Rest-none for RD 🙃 Essays
- Personal Essay (10/10) First one submitted to Penn ED was like a 7/10. After submitting I realized that I could be more creative about my narrative and highlight certain parts more. Rewrote for RD and I genuinely enjoy re-reading it.
- Essays Overall (7/10) Put in a lot of effort into Cornell’s and Harvard’s. Definitely something I know I could’ve improved on for most schools.
- Rutgers Business Honors (RD)
- Stony Brook Honors (RD)
- UCI (RD)
- UCLA (RD)
- UCSD (RD)
- WashU (RD)
- UVA (RD)
- UMich, UC Berkeley, Harvard, Yale, Columbia, Cornell, Dartmouth
- Honestly want to get this shit over with. I don’t really know what to expect for Ivy day, considering Test Optional (hoping Cornell pulls through with the Test Blind). Although I got accepted to UCLA, I’d much rather stay on the east coast and not have to worry about OOS tuition for UC’s. Worse case scenario I get rejected everywhere else, sure I’ll feel defeated, but honestly besides academics everything I did EC wise was because I genuinely wanted to do it (not because of college app- maybe except STEM club). I never really thought about applying to T20’s until halfway through my junior year when I saw some of my friends get into good schools and thought I had somewhat of a chance. So nonetheless I still feel somewhat content.
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2023.03.29 02:19 Illustrious_Fix_8247 U.S. FDIC tells Signature Bank's crypto clients to close accounts by April 5