Señor Secured

@RobertFreundLaw Did you not see the seal at the top? I think it’s real

Nice try, whoever sent this to me. Maybe remind your parents or elderly friends that the courthouse is not going to text them asking for payment. It's obviously AI slop, but I bet they get a decent number of responses.

@incredutility I don’t think a principal at bx is making that lol

@WestsideLAGuy All that to get a fake blonde smh

This is successful founder of Airtable Howie Liu & wife (she’s 3 years older). They have a great life together, new baby, and I’m sure he’s a loyal provider husband & dad. But she’s not genuinely sexually & romantically attracted to him. To deny this reality is cope.

@JerimiahLee @TheSalonDon Bj yoy growth deceled 2 pts QoQ

@TheSalonDon Damn, this reads like a business deal. How are her KPIs this quarter?

For those asking about my prenup. This is the structure Her distributions are capped at 30% of combined assets Distributions are: -$175k per year of marriage (lump sum) -Use of a house worth 5.6x the US median housing price until death or cohabitation of 150 days (House can be financed by me on a mortgage. Full house value counts toward 30% cap) -$75k annual alimony (inflation adjusted) -All her jewelry and personal items -Continued Health and Dental insurance -First choice in pets (must be valued under $50k) If marital distributions exceed 30% then reduce the lump-sum, then housing, then alimony to get below 30% This made sense because 1) I never have to pay more than 10% of NW (since house is mortgaged) and the more I make the less the percent 2) She has no penalty for giving up her career (gets full missed salary as a tax free lump-sum) 3) She’s never “out on the street” with paid for housing and $75k annual

@WestsideLAGuy There’s nothing prestigious about banking lol

Imagine these elite finance bros marching into DC to serve their country: the prestige, status, aura. They will crush the SEC bros & conquer their women like the Spanish conquistadors vs Aztecs, 1521. Our great Republic is run by the alums of elite schools, not SEC.

@penguin__news @zriboua What is this supposed to mean? No one claimed 100% comprehensiveness

This is insane. Craziest operation in history. This demands an unbelievable level of human intel and infiltration. I've never seen anything like this.

@youallarebots @BoringBiz_ You’re thinking about it the right way. The defenders of IB are justifying their own mediocrity. And that’s what they are: mediocre. IB and PE are mediocre industries with mediocre people who very rarely have home-run outcomes. They hide behind meaningless process. Aim higher.

@BoringBiz_ Currently an IB intern. I agree that being the fly on wall for high stakes deal is valuable. But the work just isn't meaningful. I like to think more. Is it worth grinding for years for a chance to have that vs to try doing more valuable work rn? Money is imp, but not everything

The one piece of advice I always give young graduates who are starting off in banking or private equity You need to lose the ego. Most people who join these finance seats come from good backgrounds, went to Ivy League or equivalent schools, and tend to be relatively more intelligent than the average person But then they join a job like banking and quickly realize that none of that IQ is being put to use Your days are spent doing mindless grunt work, including > changing font colors on PPT decks > updating formulas on excel sheets > coordinating Zoom meetings with clients > sending calendar invites to investors > creating nice looking graphs and charts for CIMs For a lot of folks, this is completely different than what they imagined their life to be like as a banker or private equity investor You joined this field expecting to close "exciting" multi-billion-dollar deals, but the reality is that you are just a glorified assistant to your VPs and MDs In a short time, a lot of analysts start to feel that the job is beneath them, and they stop taking it seriously as a whole. While this can be a perfectly good reason to leave banking after a couple of years, I highly encourage young graduates to suck it up and actually try to do the job well Two main reasons > you will actually learn a lot more if you try > you will preserve relationships in the industry While I agree that most of the banking job is BS at the analyst level, it does actually set a fantastic foundation for the rest of your career Even simply learning how M&A transactions work, how models are created, and how deals get negotiated are valuable skills for any job in any field As an analyst, you get to be a fly on the wall during boardroom conversations that very few people ever get to see or hear in their entire lifetime You should take advantage of it Banking is very much a job where you will receive as much as you give. The more you try, the more you will learn Second, and even more importantly, no one wants to work with analysts who have bad attitudes about the job Working hard and trying your best will set a precedent for yourself that people in the industry will remember you by Careers are incredibly long, and finance is a small world. Even if you dont plan on being in banking forever, there is a possibility that you will come across your coworkers again in the context of something else in your life If you move over to PE, you might see them on the other side of a deal If you apply for a job outside of finance, it is possible that you will need a referral from your VP or MD to go and land your dream gig If you want to go down the MBA route, the same will be true Being a hard worker is a great reputation to have for anything you want to do next. Burning relationships because of your ego is 100% never worth it Always remember that you are just starting your career, and nobody trusts you to do the big things yet But do the small things well, and build a solid reputation for yourself. Don't ever think that a job is beneath you because you are too smart or intelligent for a mundane task I have seen many bankers and PE folks come and go in this field. The ones with too much ego and pride at a young age are never able to stick it out long enough

@IBjunioranalyst Honestly, what do you care?

Telling people they got outbid by 4x is one of the few things that brings me more joy than seeing my pre-tax bonus

@FWPlayboy You’re all cucks. Why would you ever want to be with a girl who is also with someone else?

She has sex with you for fun. She has sex with her boyfriend later that day to keep her boyfriend happy and hopefully marry him. This is normal

@DragulaCapital @CorneliaLake Gotten her to panic? Seems more likely the plaintiff’s lawyer found something in discovery that’d make Centerview panic

How big was the Centerview settlement with the banking analyst who demanded to work non profit hours

@partners_road Debt cancellation in bk is not taxable

He’s the rub. She will owe the IRS for ~25% of that amount as “cancellation of debt” income. And unlike the other creditors she owes money to, the IRS debt will accrue interest until it is repaid & won’t magically “go away.” She’s making a hugely uninformed decision by filing.

People actually think this happened by accident. How can anyone see the inner workings of our cells and not clearly see the Hand of God at work?

@KILLTOPARTY Death by a thousand icks

🚨🚨A THOUSAND ICKS🚨🚨

@eightyhi @villagehimbo @tmavuram You’re a terrible human who is driving people into addiction. There is nothing good that comes out of your work.

@villagehimbo @tmavuram prediction markets will eventually be a net positive for the world. the current companies are just screwing it up completely

at a sushi place in the west village listening to two 22 year olds who look 35 due to preventative Botox try to set up their gay friend with a guy who is apparently a “catch” because he “went to Yale” and “works at Palantir”. there are soooooooo many New York Cities

@hxxntrr 160 letters sent certified RR cost way more than $380

you can dispute every single account on your credit report all of them 17 collections. 4 charge-offs. 31 late payments. 2 repos. 1 bankruptcy 55 negative items total "you can't dispute everything at once, they'll flag you as frivolous" wrong. you can. here's what happens: day 1: sent 55 individual dispute letters one letter per account. one to each bureau. that's 165 letters total every letter said the same thing: "I dispute this account. Please provide the method of verification used, the name and contact of the person who verified, and all documentation used in verification" certified mail. return receipt. costs you $380 in postage "that's insane" $380 to potentially delete $127,000 in debt is the best ROI in history. keep reading day 14: first responses Equifax sent back a form letter for 12 accounts saying "verified as accurate" but they didn't answer your actual question. you asked HOW they verified. they just said "we verified" that's not legal. FCRA Section 611 requires them to describe the procedure used to verify. "we verified" is not a procedure. it's a sentence sent follow-up letters: "Your response did not comply with FCRA Section 611(a)(6)(B)(iii). You failed to provide the method of verification. I am requesting reinvestigation" day 30: the massacre begins TransUnion deleted 9 accounts. just gone. couldn't verify them Equifax deleted 6 on first round. 4 more after your follow-up challenging their garbage "verified" response Experian deleted 11 accounts. they're actually the worst at verifying because they outsource disputes overseas day 30 count: 30 out of 55 items deleted on round one day 45: round two sent new disputes on the remaining 25 items. different language this time: "Previous investigation was inadequate. Provide original signed contract, complete payment history from origination to current, and proof of proper notification of delinquency" asking for MORE documentation than the first round. different investigator reviews it. different result day 60: round two results 14 more deleted running total: 44 out of 55 items gone day 75: round three (the kill shot) 11 items remaining. for these you go nuclear: filed CFPB complaints for each one "Bureau failed to conduct reasonable investigation. Two previous disputes returned 'verified' without providing method of verification. Requesting supervisory review" CFPB complaints get escalated to a senior team, not the overseas dispute farm. these people actually look at your file day 90: final count items started with: 55 items deleted: 49 items remaining: 6 (legitimate, recent accounts you actually need to address) deletion rate: 89% credit score impact: 471 to 684 in 90 days is typical with this method the 6 remaining items? you settle them for pennies on the dollar with deletion agreements. the rest fall off at the 7 year mark "but disputing everything is frivolous" no. disputing things without a legal basis is frivolous. asking bureaus to prove their verification method is your legal right under FCRA. for every account. there's no limit the bureaus WANT you to think disputing more than a few items is suspicious. that's propaganda to keep their workload down. the law says you can dispute anything, anytime, for any reason, as many times as you want the people with 3 collections sitting there disputing one at a time over 18 months are playing the game wrong dispute everything. overwhelm them. make THEM prove every single account. most of them can't once your report is clean? 700+ score unlocks $100K to $250K in 0% business funding. every item you leave sitting on your report is money you can't access (i dispute everything on your report simultaneously and delete it all in 30 to 90 days. link in bio if you're tired of doing this one account at a time)

@WestsideLAGuy Two Sigma as A-tier??

How I rank these companies in terms of per capita intellectual caliber of employees S tier RenTech Jane Street Open AI A+ Citadel Two Sigma Deepmind DE Shaw Anthropic A Space X Waymo Hudson River Trading Jump Trading Tower Research Netflix Meta A- Stripe Palantir Databricks Uber Optiver IMC Trading @fredsoda @Graffitinights1

@alexbronzini Fake. Ivy League girls don’t have acrylics like that

What on earth

@colindhernandez @BayAreaNewLibs Calling Newsom “republican lite” makes you look dumb

@BayAreaNewLibs It’s good to engage in collective organizing and start a union. Workers must have bargaining powers over the capital owning class. California doesn’t need a republican lite governor.

When the most pro business, anti-worker folks on the TL are cheering for this, it's not a good sign for people struggling with affordability. Should he win, he will be Newsom 2.0. He will bring more austerity to California just please his donors/billionaires.

@Ken67547214 Redneck Reiki

@Wildlaw406 Why is he resisting?