2021.10.21 11:25 inspirashann What is your opinion on a non-religious white person wearing henna (decorative, typically religious hand design) on their skin?
2021.10.21 11:25 cupriferouszip Growth Strategies for MSP's
I came across a few posts earlier, on another reddit thread where a bunch of peeps were asking for marketing and strategy for several reasons. Anyway, here's a post on Medium on managed service providers growth strategies in case it's helpful to anyone else too.
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2021.10.21 11:25 pepper__20 My puppy afraid of my hands and me
My puppy is 5 months old(nipping biting) She is lab mix. Few days back she got very sick because of something she ate,we took her to 3 different vets since she was not cured . totally they gave 8 injections,iv and took x ray I was the one taking care of her,took her everywhere,holding her legs during injections, iv ,x rays ,giving medicine Putting muzzle Difficult part was giving medicine ,have to hold her tight otherwise she will run away sometimes even tried to bite She is fine now eating pooping properly but unfortunately she was diagnosed with hip dysplasia that causing pain in her leg that we were not aware of Treatment is going on for that
NOW SHE IS AFRAID OF MY HANDS AND TRIES TO BITE IT WHEN I TRY TO PET HER SOMETIMES SHE COMES BARGING FROM NEXTROOM TO BITE MY HAND SHE HATES ME NOW I DONT KNOW WHAT TO DO. I HAVE BEEN TRYING TO GIVE HER TREATS MAKE NOT TO AFRAID OF MY HANDS SHE EATS IT BUT AFTER EATING SHE TRIES TO BITE AGAIN
Pls tell me how to stop this and get back to normal
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2021.10.21 11:25 ButItWasMeDio Sky-Sky Fruit (Sora Sora no Mi)
Ok this is breaking the laws of physics but who cares it’s One Piece.
This fruits allows the user to grab celestial objects and use them at weapons, as if instead of being huge and far away they were close but small.
Sky-Sky Cloud Barrier: grabs a piece of cloud to use as a shield, the cloud is bouncy and fluffy similar to the Climatact’s clouds.
Sky-Sky Zap: grabs a cumulonimbus and fires a thunderbolt from it (weather-dependent).
Sky-Sky Sunburn: drops the sun towards the enemy (not as hot as the real one). Most powerful at noon, acts like a hot solid ball that can bounce around.
Sky-Sky Crescent Blade: grabs the moon and throws it like a boomerang. If it’s full it’s a disk and flies straight, if it’s a crescent it flies at a weird angle making it harder to dodge.
Sky-Sky Shuriken; grabs some cartoon 5-pointed stars from the sky and uses them as throwing blades.
Sky-Sky Starfighter: grabs a whole constellation and uses it as a weapon. For example Ursa MajoMinor as axes with the "tail" as the handle, Aquila as a pickaxe etc. Some like Canis Major and Leo can be summoned as animal partners and even mounted.
Weaknesses: very dependent on the weather and time of day (worst case scenario the user can’t use anything except Sunburn), also they don’t steal the real celestial objects, which still exist and can be seen from outside the fruit’s range, which is limited.
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2021.10.21 11:25 stickpoker Ingredient experiment: Lunch salad - grapes, peanuts, and croutons.
2021.10.21 11:25 PewPew3124 Help Finding a Part
I’ve been trying to find an air intake resonator for my 2012 Hyundai Accent SE, part number 28190-1R000. I’ve looked everywhere including multiple OEM sites, and nowhere has it. What do I do?
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2021.10.21 11:25 ThrowRAconfusedgame Was I (19F) in the wrong for getting upset that my (now Ex) boyfriend (19M) was ignoring me and texting a classmate (19?F) while we were playing a game?
This happened quite a while ago (like maybe 7ish months) but I'm really unsure if I was in the wrong for being upset, as I've been doing a lot of reflection about my relationship while in therapy after it ended a couple months ago and I'm trying to discern moments where I shouldn't have him walk over me, or moments where I overreacted, and I don't know which this fits into.
We were in the middle of a long lockdown and so hadn't seen each other in several months at this point. To spend time together we would play games over discord every now and then, and on this night we were playing minecraft. We had been playing for maybe an hour or so when he stopped replying to anything I said. I would talk or ask him a question and be met by silence or a quick "mhm" for a good 30 minutes before I started getting irate and asked him why he isn't responding. He said he's texting a classmate about a project (it may have been in a group chat with his whole class, but it also may have been a one on one text with her, I know he texted her one on one in other situations but I can't remember which he was using in this situation).
I got pretty upset because this was literally the only interaction we could have, and we was choosing to ignore me and text someone else instead of using the time we had. I wouldn't have cared if he was just sending a text here and there and still actually interacting with me, or texting during moments of silence between us, but he was fully ignoring me and not hearing a word I said. It didn't help that he was texting another girl specifically either, I would have still been upset had it been a guy but it just felt worse it being another girl.
I told him I was upset about him ignoring me because what he was texting about wasn't urgent, and could be dealt with less attentively or later when we're done playing. He got mad at me and said I was being ridiculous and that I "shouldn't expect him to pay attention to me 100% of the time. He's already playing games with me, why do I feel entitled to all of his attention too?" He basically called me entitled and that I was being a shitty girlfriend for being upset that he's talking to someone else while we're spending time together. I wound up not pressing it further because he was getting angry and acting like he would stop playing all together and hang up if I didn't stop.
I just don't know if this was a situation where in retrospect I should take away that I need to not get as upset or sad about things as easily, or if it's a situation where I should have continued to express my feelings and how his actions were upsetting me and have not let him walk over me by getting me to feel bad that I felt upset by his actions at all. I'm really struggling with some fights we had as to who was in the wrong, whereas some I know full well who was in the wrong.
TL;DR: now ex boyfriend and I were playing a game together during lockdown and he was texting someone else and ignoring me for over 30 minutes, and when I got upset about it he got upset with me for feeling so entitled to his time and I dropped the issue. I don't know if in retrospect I was right or wrong to be upset.
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2021.10.21 11:25 Baby-Soft-Elbows What cut is this? Recently bought from a local farmer and this was labeled sirloin.
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2021.10.21 11:25 VitaminYes2000 Bound For Glory 2021 Card
u/DariusShade Vs. u/J9llonby
u/LastBlueHero Vs. u/MUZZA_44
u/Conradical Vs. u/ParagonPerfection
u/Steve_Chandler__ Vs. u/LeoViotto
u/Danchester_United Vs. u/ResinOfficial
u/CaptainConundrum54 Vs. u/MidKnightDreary
u/Genisis1224 Vs. u/DealerTokes
u/ItzzzWoody Vs. u/Pruef Vs. u/ThatOneGuyHawk
u/VitaminYes2000 Vs. u/BenjaminEarl
Global Independence Championship u/TheDumi0711 Vs. u/SimplifiedDickJoke - SDJ has cashed in his FFA opportunity to challenge for the X-Division Title.
Undisputed World Heavyweight Championship u/TheDumi0711 Vs. u/ResinOfficial
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2021.10.21 11:25 cockyrichard250 Why are you a bottom?
2021.10.21 11:25 dst0rtd I got the mvp but how’d they decide?
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2021.10.21 11:25 Lazycoala Lights and sound in Tabletop-RPG-Room
my Name is Flo, 29 years and I am playing a lot of tabletop RPGs (mostly D&D), or just ordinary board games.
I moved to a new flat and have the opportunity to have a room almost only for Tabletop-RPG-gaming. I can't absolutely desing it like a small dungeon, because my GF would rip off my head, but I am playing with the idea of putting some lights in there, to add some cool flair.
So here is what I was thinking: LED Stripes under the table and on the big cabinet on one side of the room. Also some LED-Spotlights on the floor, shining up along the walls. Now so far so easy. But I would love the following things to work:
2021.10.21 11:25 IgnisPotato I need a friend , who interested in anything Im open
2021.10.21 11:25 ActualSteveRogers Deacon decided to stand in the perfect spot for this
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2021.10.21 11:25 mikenzeejai How do I take a picture of my full farm?
2021.10.21 11:25 Rishi_J3107 A t.i.t.l.e
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2021.10.21 11:25 Special-Arrival6775 yall seem to like my left hand better 😵💫
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2021.10.21 11:25 KittenGains Teddy (BAT CAT) is ready for all the tricks and treats
2021.10.21 11:25 birtydurger Week 6 Fan Reaction - Colts vs Texans
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2021.10.21 11:24 magicsalem Everyday in the jungle I'm reminded of this quote. This is all bigger than the one idiosyncratic risk, this is the path to the creation of a new society. One built on truth. BUY/HOLD/DRS
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2021.10.21 11:24 HeiSenbERGhe Udta school lite
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2021.10.21 11:24 MillennialBets $SOFi is Bloomberg's Top Idea!
Date: 2021-10-21 08:55:31, Author: u/Beneficial_Yak_7380, (Karma: 79, Created:Jul-2021)
SubReddit: WallStreetBets, DD Click Here
COIN 308.53 |MQ 26.96 |SOFI 21.585 |
Bloomberg Fintech analyst Julie Chariell cites SoFi as her top idea! Lot's of good charts I wasn't able to pull in. But hope this is good enough for you apes. $SOFI to the moon!
SoFi Can Win Lending, License, Super App Triple Crown: BI Focus
Contributing Analysts Aditya Kulkarni
Estimates on SoFi may understate a better lending environment and super-app adoption next year, with our 2022 scenarios pointing to 63% revenue growth vs. a 50% consensus, and potential for a banking license to drive 76% Ebitda upside. Such results imply the stock trades at a 15-25% discount vs. mobile-financial, fintech and bank-technology peers. (10/21/21)
The 2022 outlook is better for SoFi's lending business, considering that student-loan deferrals will likely end in January as authorized, allowing refinancing activity to return. CEOs at big banks have been constructive on a consumer-lending pickup. If active users and downloads of SoFi's banking super app continue the upward trajectory, we expect their contribution to the Financial Services segment to be more meaningful. Combined, these can generate 63% revenue growth next year, based on our scenario analysis, 13 percentage points above consensus.
In addition, SoFi will learn whether the Federal Reserve and the Office of the Comptroller of the Currency grant it a banking license. Separate from our scenario, this additional catalyst puts 2022 Ebitda more than 70% above the company's pre-license expectations. (10/21/21)
Timeline of Key Catalysts:
3Q Management Commentary📷Source: 3Q'21 Earnings Call Transcripts
SoFi's lending business may be poised for stronger growth in 2022 after a period of soft student-loan refinancing (55-60% of its book). The U.S. government's student-loan payment-deferral program, launched in the early days of the pandemic, is set to expire in January. Other lending may improve as well if executives at major banks are right about rising loan demand next year as consumers exhaust savings. SoFi already has momentum, since originations climbed to 82% of pre-pandemic levels in 2Q vs. 71% in the prior quarter, with personal loans soaring 188%.
SoFi may also see an acceleration in users of its banking super app, as younger, tech-savvy customers are improving their financial profiles with investments and sustained employment, and prefer neobanks such as SoFi to big banks, which are in pursuit. (10/21/21)
Read Research Note: Adjusted Ebitda Margin With vs. Without Charter📷Source: Bloomberg IntelligenceExhibit
If SoFi is granted a national bank charter, its Ebitda margin could jump as much as 15 percentage points in year one, with a cumulative $1 billion in Ebitda added through 2025, according to the company. SoFi can lower its cost of capital and extend loan holding periods without relying on, or sharing economics with, a third-party bank. It could offer members more options for deposits and use those to fund loans, attracting members with lower interest rates on loans, higher rates paid on deposits, and still no other fees.
In March, SoFi agreed to buy Golden Pacific Bancorp and changed its de novo bank charter application to a change-of-control one, under review by theFederal Reserve. A decision can come at any time, and SoFi is already backing it with $1.2 billion in senior notes issued earlier this month. (10/21/21)
SoFi is poised to partake in the improved outlook for banks next year, assuming higher interest rates and demand for lending. This, combined with the return of student-loan refinancing (nearly 60% of SoFi's 2020 loan balances), is reflected in our 2022 scenario. We see top-line growth of 63%, compared with 53% based on guidance earlier this year. This assumes stronger growth in lending, which fuels greater adoption of SoFi's one-stop super app, one of the earliest.
A separate scenario is based on SoFi's case to be a bank. If this happens via a banking charter approved as part of the proposed Golden Pacific Bancorp acquisition, 2022 Ebitda may be 76% higher than SoFi's steady-state expectation, and 45% more than our scenario. (10/21/21)
Established fintech peers focused on digital wallets, lending and banking infrastructure trade at single-digit multiples given lower growth. Recently public competitors including Upstart, Coinbase and Marqeta are seeing stronger growth and higher multiples. (10/21/21)
SoFi Valuation and Peer Analysis📷
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2021.10.21 11:24 Competitive_Rent1094 Can you please help with my next adventure?
Is it possible to build an actual team which all players have the same name? I don't want a team that has 1gk and 17 cf all named traore or 10 dmf named diop !! Good balanced team I'm planning to sign them with scouts so it might take little time but if you help me with a right name I will post it by next week, hopefully
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2021.10.21 11:24 tarsene What is the unit with your favorite stat spread?
2021.10.21 11:24 Skumrask1337 Good ideas for a Cook-off?
As a work thing, my team always have a trip to a cabin for a couple of days for team building and stuff.
Someone had the idea that me and this someone have a cook off, where I lead half the team the first evening, and she leads the other half the second evening.
As a true team player, I of course need to f——ng destroy her and her cooking team. I want to win this, and I want to win big. I’d assume people just rate the overall eating experience.
There are going to be 14 people to cook for. And I will have 7 people in my team. Where I am to plan and cook a three course dinner.
The budget isn’t really an issue, I think, but within reason.
What ideas do we have for starter, main course and dessert? Alcohol is present and if you have wine to pair for the course that’s also appreciated.
Please Reddit, help me humiliate and utterly massacre my opponent in this important duel.
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