Chase bank appointmnet
Discuss all things related to Chase Bank. This is a unofficial, community ran site
2010.03.04 01:15 ddnn Discuss all things related to Chase Bank. This is a unofficial, community ran site
Unofficial, community ran subreddit to discuss Chase Bank, its affiliates, and subsidiaries
2011.08.17 00:14 BurntMaToast Gettin' Paid
2017.07.24 18:40 PK73 Fan sub for perennially underappreciated New York Yankee Chase Headley
Chase Headley receives too much undue hate! This sub is to show him some love because we all know we can bank on Chase!
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2023.03.23 07:35 Fernanda-gir Global Consumer Lending Market(2023-2029)
The global
Consumer Lending market size is expected to reach $ million by 2029, rising at a market growth of % CAGR during the forecast period (2023-2029).
This report studies the global Consumer Lending demand, key companies, and key regions. This reports profiles major players in the global Consumer Lending market based on the following parameters – company overview, revenue, gross margin, product portfolio, geographical presence, and key developments. Key companies covered as a part of this study include Wells Fargo & Company, American Express Company, JPMorgan Chase & Co., HSBC, Citigroup, Mitsubishi UFJ Financial, BNP Paribas, Bank of America Corporation and Deutsche Bank, etc.
Request Sample Report and Full Report TOC: https://www.globalinforesearch.com/reports/1263665/consumer-lending Highlights and key features of the study Global Consumer Lending total market, 2018-2029, (USD Million) Global Consumer Lending total market by region & country, CAGR, 2018-2029, (USD Million) U.S. VS China: Consumer Lending total market, key domestic companies and share, (USD Million) Global Consumer Lending revenue by player and market share 2018-2023, (USD Million) Global Consumer Lending total market by Type, CAGR, 2018-2029, (USD Million) Global Consumer Lending total market by Application, CAGR, 2018-2029, (USD Million)
Key Questions Answered 1. How big is the global Consumer Lending market? 2. What is the demand of the global Consumer Lending market? 3. What is the year over year growth of the global Consumer Lending market? 4. What is the total value of the global Consumer Lending market? 5. Who are the major players in the global Consumer Lending market? 6. What are the growth factors driving the market demand?
Global Info Research is a report publisher, a customer, interest-based suppliers. Is in the best interests of our clients, they determine our every move. At the same time, we have great respect for the views of customers. With the improvement of the quality of our research, we develop custom interdisciplinary and comprehensive solution. For further development, we will do better and better. Global Info Research will with excellent professional knowledge and experience to carry out all aspects of our business. At the same time, we will thoroughly look for information, to give a more comprehensive development.
Global Info Research
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[email protected] Tel: +86-17665052062 00852-58197708(HK)
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2023.03.23 07:17 OsFireTruck Any advice/improvements to my planned credit card stack?
I realized I have high spending and I haven't been getting the best back from my BOA credit card. I'm looking at adding 3 more cards to my wallet for almost all my purchases. These are the Citi Custom Cash, Amex Platinum, and Amex Gold. Details are below for my reasoning. Wanting to get your opinions on my plan and if there is something that I missed that could be bad. I don't have much credit card experience but I am responsible with my money and always pay off my bill so I don't pay interest.
Current cards:
- Bank of America Customized Cash Rewards $5,500 Limit, Nov 2016
- FICO Score: 780
- Oldest account age: 7 years
- Chase 5/24 status: No Chase cards
- Income: $125,000
- Average monthly spend and categories:
- dining $1000
- groceries: $300
- gas: $500
- travel: $250 (I spend probably around 3k a year on travel and vacation. Most likely 2-3 trips at around $1k)
- other: $600
- Open to Business Cards: e.g. No
- What's the purpose of your next card?
- Building credit - I don't think it makes a huge difference but I would like to get to 800+ credit score. I've been hovering at high 700's for a long time.
- Cash back and travel points.
- Do you have any cards you've been looking at? Yes. I think this will be my 3 main spending credit cards.
- Citi Custom Cash
- This will be my primary gas card. I spend roughly 500$ to get the most of the 5% cashback.
- Amex Platinum
- There is currently a 150k point sign up bonus and I have some vacation plans in the next few months that I will be making travel purchases to meet the SUB and gain some points.
- I will probably keep this for 1 year just to obtain the sign up bonus. Then most likely close this card and transfer the points to my Amex Gold.
- Amex Gold
- This will be my primary spending card. 4x points on restaurants and supermarkets is perfect for my spending categories.
- I order food pretty often so I'll be making use of the dining credit and uber credit to offset the AF.
- Are you OK with category spending or do you want a general spending card?: I am fine with category spending.
Questions:
- Is it a bad idea to sign up for the Platinum card just for the SUB then close it after a year? I don't think I'll make full use of the benefits and my spending doesn't make the Platinum worth it for long term but for the first year I was thinking it would be worth it with the SUB.
- I think this is the best card for me but any other recommendations for Chase, CapitalOne, or CITI? I liked the Amex point because they have Delta as a transfer partner. I'm in Seattle WA and will almost always fly domestic. Common vacation spots are hawaii, california, and vegas. I think Delta has a lot of available flights for my area.
- How has your experience been using the Amex RP? Are you getting 1+ CPP or more? Are there heavy restrictions on flights? I'm new to travel points and have no idea which point ecosystem is best.
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2023.03.23 07:02 MinimumVegetable9546 I HAVE OVER 20 terabytes of courses if anyone wants them you can send me a message on telegram my username: courseboss
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- BROADCAST TATES MILLION DOLLAR SYSTEM (Webcam)
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- Shreva Pattar – Money Call$
- BowTied SalesGuy – The Chad Salesman Course
- Dan Vas – Shopify Freedom Course
- Chris Luck – Certified Brand Ambassador – AMBSDR
- Stephen Houraghan – Brand Masters Secrets
- Owen Cook – High Status Mentoring
- Chase Dimond – The Agency Acceleration
- Nathan – OnlyFans Agency Guide
- Jordan Belfort Straight Line Sales Cert 4.0
- Chase Reiner – Using AI Bots For Insane Profits
- Trends VC Pro
- Freelance Hustle – Hustle With Fiverr – Grow Your Fiverr Account To $1M+
- Jordan Platten – Affluent Academy 2022
- John McIntyre – Drop Dead Copy
- Mitch Harper (Foundr) – 60 Days Startup
- Jesse Elder - Pocket Video Mastery
- Eli Wilde – NLP For Sales
- Digital Marketer – Media Buyer Bootcamp
- Ason Jay Figueroa – High Ticket Elites
- William Souza – CPA Evolution 3.0
- Jeremy Miner – 7th Level Communications
- Jeremy Miner – The Ultimate Closers MASTERCLASS
- Charlie Morgan – Imperium Agency + Gym Growth Accelerator
- Hemmel Amrania – Automated Recurring Income System
- The Bulletproof Way To $5k/Months In 2022: Become A Lead Gen Cowboy
- Codie Sanchez – Contrarian Cashflow
- Dan Dasilva - Dropshipping Academy
- Pushman Mitch – Push Rental Car Academy
- Russell Brunson and Robert Kiyosaki - Expert Secrets - The Underground Playbook for Creating a Mass Movement of People Who Will Pay for Your Advice
- Paul Xavier – 30 Course Creator
- Michael Janda - Web Design Business Bootcamp
- Ian Stanley – Google Docs Sales Page Advanced
- DigitalMarketer – Certifications & Mastery Courses All Courses Bundle
- https://linktr.ee/courseboss
Marketing: - 30 Day SMMA – Quenten Chad & Jovan Stojanovic
- Billy Willson – 6 Figure Facebook Ads Agency
- Freedom Junkies – Crushing Facebook Ads
- Istack Training – Facebook & Ecom Mastery Las Vegas Replay 2019
- Manuel Suarez & Ben Cummings – Facebook Masters Course
- Peng Joon – Facebook Secrets Mastery
- Peter Parks – Social Ads For FB Marketing
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- Rick Mulready - FB AD Manager
- Tom Glover - The Facebook ROI Master-Class
- The Entrepreneur Alliance - Facebook Ads Mastery
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- Sean Longden – Conquer Cold Calling
- Gary Bencivenga – Retirement Legacy
- Alisa Rose – Marketing For Makers Academy 2.0
- Joel Kaplan – 7 Figures Agency 2.0
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- Sander Stage – SMMAcademy
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- Russell Brunson – Funnel Stacking – 3 Core Funnels
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- AdWorld Conference 2021
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- Google Analytics, GA4, GTM. How to improve your marketing?
- Advanced Google Analytics 4 (GA4)
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SEO: - Perry Marshall – Slingshot Recovery
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- Youngjoon Sun – Amazon FBA Mastermind
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- CHRIS DO (THE FUTUR) – HOW TO FIND CLIENTS
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For any course send me a message on telegram my username is: courseboss or send Instagram at coursesdealz
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2023.03.23 06:10 Wildmancharacter Chexs system- does chase bank use their systems?
Is chase bank in the chexs banking system? I have a little less than a year until I fall off their reports but I'm ready for a new banker.
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2023.03.23 06:02 MinimumVegetable9546 I HAVE OVER 20 terabytes of courses if anyone wants them you can send me a message on telegram my username: courseboss
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- Hemmel Amrania – Automated Recurring Income System
- The Bulletproof Way To $5k/Months In 2022: Become A Lead Gen Cowboy
- Codie Sanchez – Contrarian Cashflow
- Dan Dasilva - Dropshipping Academy
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- Russell Brunson and Robert Kiyosaki - Expert Secrets - The Underground Playbook for Creating a Mass Movement of People Who Will Pay for Your Advice
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- GREG DAVIS – FACEBOOK ADS DOMINATION
- Chase Chappell – Facebook Ads Mastery
- Ed Latimore & J.K. Molina – The Templates
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- Bow & Arrow (Core Version) – A Ghostwriter’s Thousand Dollar Tweets Rules
- Perry Marshall – Google Ads Mastery 2021-22
- Robert Allen – Become Ridiculously Good with Klaviyo in 5 days
- Depesh Mandalia – 7-Figure Meta Ads Playbook 2022
- TikTok Mastery – How to Use Tik Tok Ads to go from 0-$10k Profit Per Month
- Affiliate Marketing – Tik Tok Ads Hacks to Boost Your Sales
- Jimmy Farley – Organic Tiktok Academy
- Chase Chappell – TikTok Ads Mastery Course
- Tocked Live App – A Secret TikTok Algorithm Hack That Banks Us $228.90+ Daily
- $100-$500/day Easy With This New Youtube Method
- Keith Krance – TikTok Growth Training
- Savannah Sanchez – TikTok Ads
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- Google Analytics, GA4, GTM. How to improve your marketing?
- Advanced Google Analytics 4 (GA4)
- Google Analytics 4 (GA4) Essential Training
- Mindvalley - Lifebook Lite
- Shelley Hutchinson – LinkedIn Quality Leads Formula
- [Step-by-Step Method] My TikTok Guide to Making $3000+ Monthly, Without EVER Showing your Face
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- Jim Edwards – Copywriting Secrets
- Harmon Brothers – 14-Day Script Challenge
- Nate Schmidt – Brain Dead Simple Copy
- Jay Abraham – 94 Billion Dollarman
- Dan Henry – Modern Day Copy
- Tej Dosa – 6 Figure Promotions
- How to Use Keepa for Amazon FBA Wholesale
- Jason Capital – The Capital Copywriting Certification Program 2019
- Ben Settle – Email Players List Swell
- Joshua Lisec – The Best Way To Say It
- UX Writing: Creating A UX Writing Style Guide In 5 Easy Steps
- Introduction to UX Writing: How to Write Great Microcopy
- UX Writing Finding Your Voice & Tone in 4 Easy Steps
- Mindful UX Writing: Writing for a Diverse Audience
- The UX Portfolio Formula - A UX portfolio course created by Sarah Doody
- Copyhackers – Copy School 2020
- Chris Orzechowski – Email Copy Academy
- Chris Orzechowski – Quick And Dirty Sales Letter
- Adam Enfroy – Blog Growth Engine
- Adam Enfroy – Backlink Blueprint & Affiliate Advantage Bundle
- Daniel Throssell – Email Copywriting Compendium
- Daniel Throssell – Market Detective
- Van Vizovisek – Become a Jedi Copy Master
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- Jeremy Moser – Landing Page Copywriting Mastery
- Dickie Bush – Ship 30 for 30
- Ian Stanley – 90 Days to Freedom Jumpstart
- Cardinal Mason and Chase Dimond – Copy MBA + The Freelancing Masterclass
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E-Commerce: - John Yoon - Project Verum Ecom Foundations
- Oberlo 101
- Franklin Hatchett – Ecom Elites 2.0
- Sarah Chrisp – Ecomm ClubHouse
- David Zaleski – FBA Academy
- Jared Goetz – Ecom Hacks Academy 2020
- Adrian Morrison – eCom Success Academy
- Cold Email Wizard - Cold Email Mastery
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2023.03.23 04:56 Shredder925 New to the credit card scene, can't decided which one to get.
- Current cards: Bank card issued by TIB, $1000, April 2022
- FICO Score: 722
- Oldest account age: 11 Months
- Chase 5/24 status: 0/24
- Income: Roughly 25k anuall
- Average monthly spend and categories: Actual numbers will vary month to month.
- dining ~$100+
- groceries: ~$80
- gas: ~$80
- travel: $0
- other: ~$400+
- Open to Business Cards: Not sure?
- What's the purpose of your next card? Credit building and Rewards.
- Do you have any cards you've been looking at? Amex Blue Cash Preferred and Chase Freedom Unlimited
- Are you OK with category spending or do you want a general spending card? General spending.
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2023.03.23 04:53 Independent-Eye-2826 What bank do you use/prefer
What bank do you prefer
I am curious what other people think about popular United States banks
I currently bank with chase and have for the last 3 years. I really enjoy their app however their customer service is terrible. I am extremely dissatisfied with it. One of my friends banks with US Bank and he swears by it and says they even call him every month or two to check up and ask if he is doing alright and see if there is anything he’s been having troubleshooting issues he’s had. I would really appreciate that great of service and I’ve been in a us bank to see their loan rates and the loan officer there was awesome really great experience. A banks app is very important to me and I want to know any us bank users experiences, pros, cons etc with it.
TLDR: what bank do you use and why. Do they have good customer service or a good app?
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Banking [link] [comments]
2023.03.23 04:40 Sehaga Dispute a claim after not receiving package?
I requested for a package to be delivered to a pick-up point and I got a message that it was delivered and signed by someone called "Amanda" at the pick-up point (CVS). However, when I arrived there and asked for my package, they said they did not have my package and when they contacted that "Amanda" person, she said that she did not sign for anything. I immediately called UPS and filed a claim and informed the seller but now the seller is not replying after he told me he did not insure the package. I asked him for a refund and multiple days have passed. What is the best course of action here? Should I just dispute the charge via my bank (Chase) since I have clear evidence that I never accepted the package or signed for it? I used my credit card to pay for the package.
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CreditCards [link] [comments]
2023.03.23 03:41 sophia-avon Goldman Sachs also embraces AI after Big Morgan: uses GPT-like technology to help developers write code
Goldman Sachs emphasized that AI should not be seen as a replacement for software developers, but more as a partner to help them be more productive. In some cases, developers have been able to use generative AI to automate up to 40 percent of their code, Goldman said.
Wall Street is embracing artificial intelligence.
After Morgan Stanley tapped into GPT-4 and will use AI technology to optimize its wealth management advisory process, Goldman Sachs has also started using ChatGPT-like AI software to assist developers in writing code internally.
On Tuesday, March 21, Goldman Sachs CIO Marco Argenti said Goldman Sachs developers are testing generative AI tools internally to help them write code. He said it is currently in the "proof-of-concept" stage and is not yet ready for production.
Argenti said on Tuesday:
Goldman Sachs developers are already using some assistive coding techniques.
Goldman Sachs' interest in generative AI products remains, despite opposition from some banking giants to internal use of ChatGPT by employees. That includes JPMorgan Chase, Goldman Sachs, Citigroup and Bank of America, which have all restricted employees from using the software at work.
Argenti said:
This technology is still in its early stages. We're not going to let this technology do all the most important work right away, but it's imperative that we really try it and understand its potential.
I've been working with technology for almost 40 years, and this is one of the biggest disruptions I've ever seen - probably comparable to the Internet, apps, cloud computing.
He emphasized that AI should be seen less as a replacement for software developers and more as a partner to help them be more productive. In some cases, he said, developers have been able to write up to 40 percent of their code automatically using generative AI.
It's not just Goldman Sachs that has embraced AI technology, but Morgan Stanley as well.
Last week, OpenAI unveiled six use cases when it released GPT-4, including one in which Morgan Stanley's wealth management division (MSWM) used GPT-4 to organize the mobilization of its client-facing knowledge base.
For its part, Morgan Stanley also said that it is currently "the only strategic wealth management client to have early access to OpenAI's new product" and that its wealth management division will use GPT-4 to "acquire, process and synthesize content in the form of global company, industry, asset class, capital market and regional insights that will be incorporated into MSWM. in the form of insights into global companies, industries, asset classes, capital markets and regions, drawing on MSWM's own extensive intellectual capital."
The market is risky and investment requires caution. This article does not constitute personal investment advice. Please write privately if you need more advice.
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wallstreetbets [link] [comments]
2023.03.23 03:28 General-Exit-3015 Earnest Deposit Wire Transfer Delayed
My husband and I got our offer accepted 2 days ago (Monday). The escrow company reached out yesterday (Tuesday) with the earnest deposit amount of $16,500 due tomorrow. My husband and I have 3 bank accounts including our joint account (AMEX). I transferred $2000 from my Chase savings account to Amex to complete the wire amount and was told that it would take 4-5 business days after the deposit is initiated for funds to be available to wire. That brings us to next Tuesday at the latest. Will this effect anything? I’m super nervous that the seller will back out.
Our mortgage lender and realtor told my husband and I not to move any money around until they tell us to. But we weren’t equating transfer time etc. is there anything we can do? We feel that we might lose out on the house.
Back story: We were pre-approved for $600,000. We are putting 5% down. We originally put in an offer on this place (which hadn’t received an offer in 20 days). My husband and I put in an offer a bit below asking and at the last minute an older couple put an offer in at asking price. The seller requested a best and final offer as a counter. We offered $11,000 over asking price and the seller passed on us for the older couple who countered lower than us apparently. Following the inspection, (which went fine) the older couple backed out stating that the property required too much walking to get from place to place. ~The seller stated that they were worried that we didn’t have a strong down payment like the older couple (20%). Even though our mortgage lender confirmed with their agent that we did have enough funds. 🤷♀️~ Our accepted offer is still over asking and I’m not sure if the delay is transfer will cause a problem.
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FirstTimeHomeBuyer [link] [comments]
2023.03.23 03:15 justasadlittleotter Credit Card Recommendation Request
Hey all. I'm super new to this, so I appreciate your help (and patience!).
My lifestyle probably looks different and confusing, so try not to go too hard on me! I'm currently traveling full-time in my van in Australia, but I'm from the US and will likely return there this year. My income varies widely based on year and location. I sort of just make enough to support myself.
I'm conscious of good credit and would like to move further in that direction.
I'm sincerely appreciative of any suggestions you have for me. Thank you in advance for your time.
- Current cards: (list cards, limits, opening date)
- Bank Card - $500 limit - opened 2015
- FICO Score: 731
- Oldest account age: 8 years
- Chase 5/24 status: 0/24
- Income: varies widely, but on average around $20,000
- Average monthly spend and categories:
- dining: $300
- groceries: $200
- gas: $200
- travel: i'm constantly traveling, so not certain what "travel" entails
- other: $400 (gifts, personal items, car maintenance purchases)
- Open to Business Cards: not certain if this is relevant to me
- What's the purpose of your next card? building credit, cash back, travel
- Do you have any cards you've been looking at? none
- Are you OK with category spending or do you want a general spending card? would prefer general spending for simplicity!
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CreditCards [link] [comments]
2023.03.23 03:12 Ambitious_Fig_8039 Lost my scam virginity. I feel dumb af for falling for it, but I ask your advice to ensure I'm doing everything i should be to protect myself.
Hello, friends, let's cut to the chase. I was scammed by a remote job ad on Indeed. Live Chat Agent was the title, and it included some adminiatrative assistant duties along with it. The interview was arranged on Zoom. Not video chat. Just instant messaging chat. Count that as red flag #1 that I didn't see then. Asked me a bunch of normal interview questions, I answered them, blah blah blah. Says I'm perfect for the position and hires me same day. Red flag #2. Next morning, sends me an offer letter and w4 form to fill out. OVER ZOOM CHAT because apparently their email server was having difficulties and it would take days to be operable again. I, a fool, fills it out and sends it back. Along with sending my address, name, phone number for their records or whatever. I am told they will be mailing me a check to purchase the equipment I will need to work from home. I.e. a printer, a scanner, and a time tracker with high speed internet connection to track my hours and shit. Im kinda sus, but overall still on the dumb girl juice at this point.
Next day, today, they send me a check for $4,880. My partner asks me to get more info on how I'd be paying that back, the man says "oh no, that money is for your working equipment. We understand the sacrifices one must make for company success". Also, he said I have to be the one to buy this equipment, so my name is on the receipts, as the equipment eventually becomes mine. Red flag #3 for me.
Anywho, the check, I try to deposit it over mobile, it exceeds their amount limit, which I didn't know. They call me and express concerns that it may be fraudulent, so some of my defenses go up on this guy. He seems pretty intent that I get this money in TODAY. I go to the bank in person and they say they placed a 7 day hold on it so they can be sure it's real. I'm good with that. This man is not good with that. More alarm bells start goin off for me. Starts questioning whether my bank is trustworthy. Insists it's a good check and needs to go through today. All the while, I'm chatting with my partner about everything, cuz we share the bank account. Im telling him everything, and he says that he is 100% certain I'm being scammed. Bank calls me back and lays it down, like this is what's gonna happen, the scammer is going to give you this fake money. It deposits into your account, they direct you to a website they created, you buy their equipment with your money. Once you input your banking/card info, then they have it and drain you dry and ghost you. Things started lining up for me. Way back, I asked him what vendor I'd be buying from, and he says "ill tell you the vendor at the appropriate time" sus. The fact that sometimes he had some broken english/grammar mistakes that are not typical of a stereotype older white guy, like his photograph suggested he was. I didn't respond to him, deleted Zoom, as he was the only reason i got zoom in the first place, and seeing messages from him were stressing me out. I express to the bank that I am certain this is a scam, they put a fraud alert on it. My bank app says the money is still being held, but during business hours tomorrow, I'm going to call them back and have them cancel it completely if they haven't already. I put a freeze on all my credit reports. I'm currently researching what to do if he got my SSN. The copy i have of the w4 doesnt have it written on there by me, but I wanna be sure to protect myself.
This is all over the place and I'm sorry, but I've been panicking, this is my first time falling for a scam and it's terrifying. I am super fortunate that the bank caught it in time before it deposited and any of that money got touched. I would have fallen for it and gotten wrecked.
But. If there's anything else I should be doing to protect myself and my money.. please do tell. Thank you so much in advance. P.S. Sorry this is so long omfg
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Scams [link] [comments]
2023.03.23 03:02 RedditingAtWork5 Does your bank make any money from you using their credit card if you pay the balance in full each month?
I want to make a distinction here.
Say I have a credit card from Chase. They're the bank loaning me the money. I understand that the actual card company (Visa, MC, Amex etc.) gets a cut. But I'm asking specifically about the bank loaning the money. If they don't get to charge me interest, do they make any money? Do they get a cut per transaction like the card company does?
I ask because I have a significant amount of stock in my bank and was wondering whether my credit card use (while paying off in full each month) helps or harns the company.
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NoStupidQuestions [link] [comments]
2023.03.23 02:57 Kornkat2020 Dumb question, is there an account option like Chase First Banking that I could open for my wife?
Long story short, I want an account for my wife who's a stay at home mother where I can transfer money for her to spend on daily necessities/wants/etc. I need to keep that spending separate from the current checking account that I manage, but there's not a good option outside of opening another standard checking account and paying the monthly fee for lack of meeting the direct deposit requirements or trying to open a chase first account with her registered as a child. Any ideas?
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Chase [link] [comments]
2023.03.23 02:41 chickenugetsoul Dealer didn't use my bank
Last week I got a new car I went to a dealership and I got everything approved through Chase through their program I show them the email they said The bank's not going to support it and they ran my credit and they ended up signing me up for their finance. I called my bank couple days later and they said that they never got any packages from them. So now I'm stuck paying their rates but they lied to me and said that the bank didn't approve the full amount. do I have way to manaever this? My banks rate were a lot cheaper
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2023.03.23 02:26 throwawaylurker012 Money Market Fund (MMF) Watch!! JPM & BlackRock put up recent new messages, including pushing MMFs on their fund pages in the wake of SVB's collapse that I haven't seen before. Is this just "sleazy car salesman" selling, or something else? Need some eyes!
| Hi y'all, just checking in with something that might need some extra eyes on. https://preview.redd.it/hl0k5rtg3epa1.png?width=1170&format=png&auto=webp&s=f6f72b678d6473c6c326bf4a530e41409466003b For those unfamiliar, I wrote some posts on money market funds ages ago ( https://www.reddit.com/Superstonk/comments/vc4r0w/099509975_the_depegging_danger_zone_pt_2_and_what/?sort=new) and how they "depegged" during the 2008 crash, just like Terra/Luna did some months back. As such, ever since that post have been checking money market funds from a couple different places to see if any changes happen...I've been trying to do this every week if possible but haven't had much to report because haven't seen fuck all. The biggest change I'm looking for is "depegging"...what's that mean in this instance? I wrote this back then: - When you transfer money from your checking account to a big broker like Fidelity or Vanguard, any unused money not spent buying GME just sits there. This money doesn't actually just sit there as cash, but instead you have shares of a money market fund (like Fidelity's SPAXX) where you have a number of shares equal your cash position. A $100 deposit to Fidelity gives me 100 shares of SPAXX, each worth $1.
- In theory, we can think of SPAXX--or any money market fund (MMF) available to retail--and its shares as being quite similar to stable coins (SPAXX shares = SPAXX "stable coins"). They are usually backed by assets where $1 of SPAXX "stable coins"/shares is backed by $1 of assets, which can include assets pulled from the overnight reverse repo, where MMFs make up over 90% of use for it.
- In a now infamous example, crypto founder Do Kwon created his own stable coin Terra where 1 share/"stable coin" = $1...but eventually 1 Terra stable coin was no longer worth $1. In crypto, this is called "depegging", where 1 stable coin =/= $1. In finance and money market funds, this is called "breaking the buck".
https://preview.redd.it/rb5mmz2t3epa1.png?width=1626&format=png&auto=webp&s=995ef1b8debf3dab52d9419d8c2a4824a9cabd91 To most of the funds I've been tracking and their credit, they seem to not be shitting the bed (the NAV or money market fund shares' "worth" was ticking down A LOT MORE tail end of last year), and they seem to have sufficient capital/collateral to back their money market funds. HOWEVER, new messages have started to crop up on certain funds, Could be harmless (closing of certain lines, just regular selling), or just warping old crime into new. Here's JPM: https://preview.redd.it/4uy6zmd24epa1.png?width=2180&format=png&auto=webp&s=b627295a0f9c6f529e49e0a614d1d770c8069d5b As of a few months' back, this was never there (nor announced) then just seemed to happen. Here's BlackRock. This just started cropping up, and it seems to be perhaps referencing all the bank crashes. https://preview.redd.it/icn8kc084epa1.png?width=2004&format=png&auto=webp&s=f3e70f32cc0f423b63d001d51bc0aa5d32a33a3a https://preview.redd.it/9ptudx994epa1.png?width=1500&format=png&auto=webp&s=8712d8dc8426a55f013b615e01826f5f3429a88b The text from above: Cash is the lifeblood of organizations. A unique combination of fiscal and monetary policy, geopolitical unrest and economic uncertainty is prompting investors to rapidly reconsider their cash investment and liquidity strategies. Many investors are positioned defensively or have elevated need for liquidity, keeping ample cash on hand. With central banks increasing rates rapidly following years of a zero or even negative interest rate environment, investors are able to earn appreciable returns on their cash investments for the first time in many years. In our view, the backdrop of ongoing inflation and potential further interest rate hikes necessitates prudent duration and liquidity management as well as the need to diversify cash and liquidity focused investments. Money market funds (MMFs) can help investors navigate these market conditions, providing daily access to liquidity while also offering a diversified or government-risk portfolio rather than concentrated counterparty exposure. me reading black rock's bullshit rn Cash solutions for today's cash investors details the range of MMFs available in your region. In addition to MMFs, BlackRock also offers a wide array of investment solutions spanning Mutual Funds and ETFs that seek to meet the unique liquidity and return needs of our client Sooooo Money market funds, which tanked in 08 (some as bad as dropping nearly 10%) are being pushed by BlackRock (and perhaps JPM?). Could this be related to the reverse repo market as well which has started ticking back up? R emember kids, MONEY MARKET FUNDS ARE THE BIGGEST USER OF THE REVERSE REPO PROGRAM. courtesy of the tracer of PC's above Anyways, needed some eyes, wrinkles and thoughts. And last thing, wanted to ask: has anyone followed up on JPM's Onyx program? I also wrote about them here: https://www.reddit.com/Superstonk/comments/ywf41j/onyx_is_jp_morgan_using_its_onyx_program_to/ https://preview.redd.it/9ij8f0645epa1.png?width=1152&format=png&auto=webp&s=0745892a94a0e68cd64e91629d3adcb77e4c51be The TL;DR should show my worry back then, and may relate again to this new push by BlackRock: TL;DR: - With [redacted's find**, there may be a chance that JP Morgan Chase is "tokenizing" BlackRock's MMF (Money Market Fund) shares into crypto shares so that they can effectively either (a) pull another money grab or--worse and more likely--(b) effectively use these new BlackRock tokenized MMF shares as collateral BECAUSE they are propped up by treasuries (i.e. the overnight repo market).*\*
- JPM has already tokenized at least 300B worth of treasuries earlier this year using Onyx in the repo market. Onyx smart contracts allow for users to not have to wait for "overnight" use so that they can grab treasuries whenever they need them, where the process is "automated" and "debt securities don't even need to leave balance sheets".
- They're not the only ones working on such projects: Arca Labs & Securitize Partners are working on a tokenized US Treasury fund which sounds like more bullshit.
- After following up on an old-post by [redacted]***, these Onyx smart contracts are probably run through atomic swaps. Atomic swaps hinge on what's called an HTLC (hashed timelock contract) where once the smart contract is executed, a timer starts and the funds have time to swap without an intermediary (wallet-to-wallet).***\*
They've been fast pushing Onyx, starting blockchain linked accounts with GIFT in India ( https://www.ledgerinsights.com/jp-morgan-dollar-blockchain-accounts-india-gift-city/), and opening a crypto lab in Athens too ( https://greekreporter.com/2023/02/23/jp-morgan-crypto-lab-athens/). Anyways, hope someone can help with the weird JPM/BlackRock messages above! EDIT 1: Looks like the brochure that BlackRock is using in that msg is from 2022 ( https://www.blackrock.com/cash/literature/brochure/cash-solutions-for-todays-cash-investor.pdf?elq_mid=78194&elq_cid=348540&elq_cmp=&elqTrackId=a151e458afbc42bca0b5c517ba640087&elq=c4f93ee7985243e193bef04ecf3311c0&elqaid=78194&elqat=1&elqCampaignId=). Maybe doesn't mean much, but could be just finding a way to take advantage of the situation...(then again, it is BlackRock...) submitted by throwawaylurker012 to Superstonk [link] [comments] |
2023.03.23 01:43 ParadoxalUncertainty IG scam 5k give away
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2023.03.23 01:39 PCBlech Today's EOD Bank Comparison
2023.03.23 01:37 SuperBankOfferMan Get $235 when you open a new Jovia account with Direct Deposit and My Referral - USA
Get a $150 bonus for opening a new account and setting up direct deposit of $100 or more. Additionally, get $85 (up from $50 until 3/31) with my referral code for a total of $235 dollars. Note: Must leave $100 in the account for 90 days for the referral bonus. A real direct deposit of at least $100 is recommended for the $150 bonus.
Steps:
1) Open an account using this link:
https://www.jovia.org/personal-banking/tools-resources/promotions . See the rotator and select open link under the $150 bonus. Select Go Green Checking or one of the other acct options. 2) In the step after they ask for your name they will ask if you were referred. At this screen enter my referral code of: 326542 . 3) Deposit $100 to the account within 2 weeks of open and leave for 90 days for the $85 referral bonus. 4) Setup direct deposit of at least $100 within 60 days for the $150 direct deposit bonus (Chase / Schwab transfer may work to trigger this). If you are within the 2 weeks for your direct deposit you may not need to deposit $100 on open. - $150 Bonus will post within 30 days of meeting requirements (mine posted the next day after DD). - $85 referral bonus will post after 90 days.
Read full terms (scroll to the bottom):
https://www.jovia.org/personal-banking/tools-resources/promotions#cardDetails My other referrals can be found by clicking My Referrals on my profile: https://www.reddit.com/useSuperBankOfferMan
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promocodes [link] [comments]
2023.03.23 01:36 SuperBankOfferMan Get $235 when you open a new Jovia account with Direct Deposit and My Referral - USA
Get a $150 bonus for opening a new account and setting up direct deposit of $100 or more. Additionally, get $85 (up from $50 until 3/31) with my referral code for a total of $235 dollars. Note: Must leave $100 in the account for 90 days for the referral bonus. A real direct deposit of at least $100 is recommended for the $150 bonus.
Steps:
1) Open an account using this link:
https://www.jovia.org/personal-banking/tools-resources/promotions . See the rotator and select open link under the $150 bonus. Select Go Green Checking or one of the other acct options. 2) In the step after they ask for your name they will ask if you were referred. At this screen enter my referral code of: 326542 . 3) Deposit $100 to the account within 2 weeks of open and leave for 90 days for the $85 referral bonus. 4) Setup direct deposit of at least $100 within 60 days for the $150 direct deposit bonus (Chase / Schwab transfer may work to trigger this). If you are within the 2 weeks for your direct deposit you may not need to deposit $100 on open. - $150 Bonus will post within 30 days of meeting requirements (mine posted the next day after DD). - $85 referral bonus will post after 90 days.
Read full terms (scroll to the bottom):
https://www.jovia.org/personal-banking/tools-resources/promotions#cardDetails My other referrals can be found by clicking My Referrals on my profile: https://www.reddit.com/useSuperBankOfferMan
submitted by
SuperBankOfferMan to
Referral [link] [comments]
2023.03.23 01:35 SuperBankOfferMan Get $235 when you open a new Jovia account with Direct Deposit and My Referral - USA
Get a $150 bonus for opening a new account and setting up direct deposit of $100 or more. Additionally, get $85 (up from $50 until 3/31) with my referral code for a total of $235 dollars. Note: Must leave $100 in the account for 90 days for the referral bonus. A real direct deposit of at least $100 is recommended for the $150 bonus.
Steps:
1) Open an account using this link:
https://www.jovia.org/personal-banking/tools-resources/promotions . See the rotator and select open link under the $150 bonus. Select Go Green Checking or one of the other acct options. 2) In the step after they ask for your name they will ask if you were referred. At this screen enter my referral code of: 326542 . 3) Deposit $100 to the account within 2 weeks of open and leave for 90 days for the $85 referral bonus. 4) Setup direct deposit of at least $100 within 60 days for the $150 direct deposit bonus (Chase / Schwab transfer may work to trigger this). If you are within the 2 weeks for your direct deposit you may not need to deposit $100 on open. - $150 Bonus will post within 30 days of meeting requirements (mine posted the next day after DD). - $85 referral bonus will post after 90 days.
Read full terms (scroll to the bottom):
https://www.jovia.org/personal-banking/tools-resources/promotions#cardDetails My other referrals can be found by clicking My Referrals on my profile: https://www.reddit.com/useSuperBankOfferMan
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SuperBankOfferMan to
ReviewsOffers [link] [comments]