MyHill Financial

@SteveSaretsky @grok what’s the rate in Australia and their inflation and unemployment rate

Precursor for the Bank of Canada.

@WSJ @grok is teen use up or down in legalized states?

Legalization of recreational marijuana by many states has made it easier for teens to get access to highly potent and convenient forms of the drug, creating new hazards for teen health. Here’s what the science says about cannabis and teens: 🔗 on.wsj.com/4usraCh

@elonmusk @ai_for_success @grok please analyze

@ai_for_success For a few years, then SpaceX will far exceed everyone combined

Google DeepMind is destined to win the AI race.

@HunterAllen4 @StockSavvyShay @grok What about accounting jobs? Finance jobs

@StockSavvyShay @grok what does the data show and how will markets be effected?

Andrej Karpathy released a project scoring all 342 U.S. occupations on how exposed they are to AI using an LLM & BLS data. The college premium that defined American aspiration for decades may get repriced as AI starts doing knowledge work for free & a skilled plumber can out-earn a data analyst.

@ShaziGoalie @RemindMe_OfThis in 1 year

Serious question: Do you think Toronto real estate drops 20% from here?

@mark_slapinski @grok is this true? Who’s this girl? What’s the evidence?

CONFIRMED. Trump raped minors. And it's all on tape.

@GOPoversight @grok what other witnesses said trump was innocent? What did they say

NEW: Epstein's accountant is now the FIFTH witness to tell the Committee that President Trump was NOT involved. He also identified five Epstein clients who paid MILLIONS in fees: • Les Wexner • Glenn Dubin • Steven Sinofsky • The Rothschilds • Leon Black

@officer_Lew @grok who is this girl? What’s the story with trump

BREAKING🚨: The woman who falsely accused President Trump of raping her at 13 with the assistance of Jeffrey Epstein is now facing criminal charges for fraud, theft, and the exploitation of an elderly person.

@brian_armstrong @grok how likely is bitcoin to be broken or hijacked by quantum computers or something else? How real is the risk? Or is bitcoin the new digital gold?

The 20 millionth Bitcoin was mined yesterday. Now there are only one million new Bitcoins to be mined, which will take over 100 years. Decentralized, inflation-proof, global money.

@JehoshaphatRsch @grok please asses what happened? Financial background? Real estate impact?

We are short goeasy $GSY, a Canadian subprime lender with easy to borrow stock. Below is a summary of the key opinions in this idea; for the full short thesis including a downloadable PDF, please see the Jehoshaphat Research website. 1) Investors believe GSY has a “secret sauce” of novel, brilliant underwriting. We agree – well, sort of. The secret sauce is accounting, rather than underwriting, creativity. A number of aggressive accounting policies and rule changes have massaged charge-offs, delinquencies, opex, earnings and ROE into more favorable-looking short-term performance. 2) We believe the combination of all these accounting shenanigans has inflated pre-tax earnings by hundreds of millions of dollars, and has delayed a similar amount of charge-offs into the near future. We estimate a ~$300m “snowball” of charge-offs that has been rolled up and will start melting all over the balance sheet in the next few quarters. 3) While an X post doesn’t lend itself to a full laundry list of accounting games (see our full PDF for all these opinions), one that lends itself well to a single image (see below) is GSY suddenly "deciding" to no longer charge off deadbeat car loans at 180 days past due. You can see the immediate effect of this decision on charge-off numbers. This is a great way to be able to tell investors that charge-offs are coming down. And technically, they are! 4) Another fun one: GSY appears to have “re-bucketed” ~8% of its loan book into a lower-risk category, despite no apparent change in credit score. This would probably explain a crash in a key loan loss provision rate in the exact same quarter and since, which we identified by comparing several years’ worth of such data. 5) Why doesn’t anyone talk about unpaid interest receivable at this company? We’ll start the conversation: It’s exploding and it may be the single most useful indicator of borrower stress at GSY. This explosion contrasts sharply with relatively muted past due rates, but dovetails perfectly with the idea of tons of “hidden” past-dues. 6) Investors like GSY for its high reported ROE, of course. But you can scrub the ROE to remove the effect of all these accounting changes and irregularities, and if you do that, you’ll find a business that isn’t even earning its cost of capital. This is to say nothing of the high likelihood of GSY missing earnings dramatically in the coming quarters from all these artificially delayed credit losses. Whether event-driven or deeply fundamental and long-term, there are good catalysts to make this short work. 7) GSY appears to have stopped its vaunted buyback in mid-April, based on daily SEDI data. Maybe that’s just because they think the stock is too expensive...or maybe it’s because their debt level is overextended at the worst possible time, with the company staring down a “backlog” of unreported charge-offs? Whatever it is, pausing the buyback for 5+ months blows up the capital return narrative that certain investors own GSY for. 8) If you follow GSY, you know that the CFO just put in his (short) notice last week. You also know that the longtime CEO resigned from that role at the beginning of this year. Both of these gentlemen pursued unusual stock sales before doing so. This is probably what you’d do too, if your job were soon going to entail having to explain where all these "surprise" charge-offs were coming from. (Maybe this is why GSY hasn’t been able to identify even an interim CFO yet, let alone a permanent one.) Go ahead and ask the sell-side analysts about this one if you’re inclined, but be prepared to explain a lot to them if you do. 8 out of 9 covering analysts have a “Buy” rating on this sublime subprime lender, so they probably haven’t been exposed to a lot of debate about it before. We always leave some of the more interesting things for readers of the full report, so we encourage you to visit our website and download the full PDF of our short thesis, paying attention as well to our very important disclaimer. Comments and corrections welcome at our website or our email address.

@satyanadella @grok what kind of work can it do now?

Announcing Copilot Cowork, a new way to complete tasks and get work done in M365. When you hand off a task to Cowork, it turns your request into a plan and executes it across your apps and files, grounded in your work data and operating within M365’s security and governance boundaries.

@allenanalysis @grok is this true? Is Iran winning or the US? How do you think this war plays out and its impact on oil

🚨 Iran just issued its most direct economic threat of this war: “If you can tolerate oil at more than $200 per barrel — continue this game.” Let’s put $200 oil in real terms: Gas at the pump: $8-10/gallon. Diesel: $12+/gallon. Every product shipped by truck in America gets more expensive overnight. Airlines grounded or tickets at $3,000 minimum. Heating oil. Plastics. Fertilizer. Medicine. Everything. Oil is already at $110. Up from $65 one week ago. Qatar warning it hits $150 within days if Gulf exporters halt. Iran isn’t bluffing. They control the Strait. They said they decide when it ends. Trump told merchant sailors to “show some guts.” Iran told Trump what guts will cost you. $200 a barrel. The five-deferment president started a war he has no idea how to end.

@KobeissiLetter @grok explain what’s happening

Today’s chart of oil prices will be referenced for decades to come. You just witnessed history.

@WallStreetMav @grok is this true

"Canada has free healthcare" Wait times ... Surgery : 284 days or longer Kill you : no wait I guess they did the financial math and it is cheaper to offer to kill their citizens. So they prioritized that. Then they made it easier for 3rd world migrants to come and replace them. This is the end result of socialism.

@abc123jjj @grok is this true? Where does Canada rank now vs 205

Elbows up…idiots.

@UkeCreature @grok fact check this?

1. this is over 10 years 2. vast majority of people getting this are just choosing how to die. the median age is 78 and 95.6% were terminal. they’re so close to death that 20% of the people that requested it died before they could get it 3. the life expectancy is still increasing

@TruthFairy131 @grok was the other person smoking crack

🔥 BREAKING 🔥 A Video is going viral showing a White man in Toronto being racially targeted then fined by two female immigrant police officers over a fare he had already paid. This is all while a black man smokes crack in the back of the bus & they do not even check if he has a ticket. This is ‘New’ Canada 🇨🇦 This is happening all over the West as our nations are colonised by the 3rd world. We are treated like 2nd class citizens & we are targeted daily by these people & our own Government because we are White. This is multiculturalism & diversity. This is what they call equality.

@JayGenXer @grok what is this fee? Why is Canada paying it

What the HELL is a “UN Fee” anyway? 😡 If you’re scratching your head like I am, buckle up for this taxpayer nightmare. Canada’s pushing ahead with the massive Bay du Nord offshore oil project—500 km east of St. John’s, Newfoundland, in the Flemish Pass Basin. It’s our FIRST deepwater oil rig, led by Norwegian giant Equinor and BP, with reserves over 400 MILLION barrels (potentially 1.3 BILLION total!). Production could hit 160,000-175,000 barrels a DAY starting in 2031, pumping out CAD $14 BILLION in investments and CAD $20 BILLION in gov revenues. Sounds great, right? WRONG. Because it’s beyond our 200-nautical-mile exclusive economic zone, that dusty UNCLOS treaty (ratified in 2003) slaps us with royalties to the UN’s International Seabed Authority. Starts at 1% after 5 years of production, ramps up to 7%, and could drain up to $1 BILLION over the project’s life! And get this: Instead of making Equinor and BP foot the bill—these foreign oil barons raking in profits—Ottawa’s “generously” agreed to let CANADIAN TAXPAYERS cover it ALL. We drill the oil, shoulder the environmental risks (hello, climate crisis!), create thousands of jobs… and then mail a fat check to the UN for “permission”? Unbelievable subsidy to Big Oil while we’re in an affordability crunch! Environmental groups are furious, calling it a direct wealth transfer violating our no-more-oil-subsidies pledge. How’s THAT for globalist BS screwing over everyday Canadians? Who’s really benefiting here—the UN, Norway, or us? #BayDuNord #UNFees #TaxpayerRipoff #BigOil #CanadaEnergy 🇨🇦

@HarmanBhanguBC @grok what happened to the graves? Were kids killed or was it a lie? What’s the evidence

Canadians were told there were 215 graves. The country shut down, the flag stayed at half-mast for months, and $12.1 million in taxpayer money was handed out to investigate and exhume remains. Now we’re told no graves have been exhumed. And when reporters asked what work was actually done with that money, the federal government blacked out the reports and called them “confidential.” If the money went to where it was supposed to, why the cover up? Taxpayers paid for an investigation. Canadians deserve to see the evidence, the work, and exactly where the money went. And if that $12 million wasn’t spent doing what it was supposed to do, then the money should be paid back.

@DanielBordmanOG @grok what happened? who is responsible?

This is 100% a terrorist attack on Canadian soil by Khalistanis and we should start treating it as such.