Michael Erhardt

@pupadhyaya_ @Greg_Gaston 8 seasons and 1 ncaa tourney win. Memphis fans are delusional. Penny needs to go

Penny Hardaway after Memphis’ road loss to ECU on his response to fan criticism in what’s become one of the worst seasons in Tigers history, thoughts on his future + more: “Just know I’m always gonna fight, (no matter) whatever’s being said. … It’s easy to kick me — I’ve been getting kicked since I’ve been here.”

@SkeletorAD @theficouple After tax you idiot

@theficouple That’s not $315 per year you idiot

Just listened a story of a person in Minnesota making $315,000 per year. 33 years old medical professional who takes home ~$15,000/mo & they spend ~$7,000 per month. They have no debt and ~$9,000/mo to save/invest. The world is their oyster.

Special thanks to my CFP coach Pete Golding and squad for coming to the game! Wasn’t his first one either! Looking fwd to supporting our coach that has won a CFP game in the fall! 🇹🇹❤️💙 Let’s say goodbye to the past Rebs, just like I did after this!

FOR EVERYONE OUT THERE: YOU THE CONSUMER PAY THE TARIFF. NOT THE OTHER COUNTRY. THEY PRICE THEIR GOOD AT $100, WE SLAP A 10% TARIFF ON IT. THE PRICE IS NOW $110 FOR YOU. NOT THEM. FOR YOU. GET IT THROUGH YOUR THICK SKULLS.

@CarloD_Angelo @JillCastilla Bad take. Bank margins are about 3.50%. Please tell me a business with less.

Yes, stablecoins are the future of payments and money and hopefully create competitive alternatives for moving money. And since you asked, banks have been extracting trillions from consumers for decades—paying 0.01% on deposits while lending out their deposits and earning 5-20% in interest while extracting fees on overdrafts, ATM transactions, maintenance , and every other hidden charge imaginable. Stablecoin rewards simply let people earn what banks have been hoarding for decades. It’s about time the consumer has options.

If stablecoin is the future of payments, why do you need rewards? Are there FedNow rewards? ACH rewards? Check writing rewards? Wire rewards?

Today’s 6-3 ruling by the Supreme Court is a Victory for the American People and a Win for the Separation of Powers enshrined in the Constitution of the United States. In Learning Resources, Inc. v. Trump, our Supreme Court has reaffirmed that the Constitution grants Congress - not the President - the power to tax. American families and American businesses pay American tariffs - not foreign countries. With this decision, American families and businesses can breathe a sigh of relief. I’m proud of the work our organization @AmericanFreedom has done on this case through our robust amicus brief program to advance economic freedom and defend the Constitution. With this historic decision, America can now return to the pursuit of Free Trade with Free Nations under the Constitution of the United States!🇺🇸

Have y’all ever heard of a football coach, tagging a WBB coach, after a game? This guy doesn’t even like women’s sports! Cope harder! 🇹🇹 #GoldingEra

@ShervinSepehri @elerianm Not yet

Is this a “canary-in-the-coalmine” moment, similar to August 2007? This question will be on the mind of some investors and policymakers this morning as they assess the news that, quoting the FT, the “private credit group Blue Owl will permanently restrict investors from withdrawing their cash from its inaugural private retail debt fund.” There’s plenty to think about here, starting with the risks of an investing phenomenon in advanced (not developing) markets that has gone too far overall (short answer: yes), to the approaches being taken by specific firms (lots of differences, yet subject to the “market for lemons” risk). There’s also the “elephant in the room” question regarding much larger systemic risks (nowhere near the magnitude of those which fueled the 2008 Global Financial Crisis, but a significant – and necessary – valuation hit is looming for specific assets). More to follow on this. #economy #markets #privatecredit @FT #BlueOwl

@commbankerguy @CorpusCol @dirtcheapbanks Examples?

@CorpusCol @dirtcheapbanks That’s my point. We are trying, we are investing, we are doing things right but it doesn’t matter. The customer has moved on to better solutions that community banks can’t provide.

Hot take: Community banks are the most undervalued assets in America right now. Zero analyst coverage. Board members who want to retire. Markets that will never see a Chase branch. It’s 2008 for private equity, but nobody’s paying attention.

@skylarromines Is that better than science diet

@vicabarnes Brennans

Recs for brunch today in Memphis or Germantown?

@johnny_danziel Bruh

i think the only thing that will truly make me feel better is blaring stairway to heaven so loud in this house that my neighbors hear it

@PastorMark Not ideal way to spread the gospel

If you are a man who is able to work and you refuse to, you are worse than an unbeliever. If you are a stay at home dad, you are in sin, you need to repent and get a job. If you are a man and you are not providing for your household, you are worse than unbeliever. You need to repent, find a job, get to work and support your family.

@dirtcheapbanks No exit

Community bank investing: Step 1: Buy below book Step 2: Ignore price for 3 years Step 3: Wake up to a takeout at 1.4x TBV

This is a masterpiece

@skylarromines Peaceful protesters are ok

@Greg_Gaston Gotta trade him. And other Memphis team should fire Penny.

3 weeks for a sprain in his Left elbow? Come on