I’m convinced both sides will continue to behave like children, and we will all be worse for it. Mostly, I’m just ready to stop getting political survey text messages…
Reese’s miniatures are way too much work, and as CtrlAltDelete stated, almost always broken. Probably not a popular take here, but I’m a big fan of the Reese’s fast break bar. Just a gigantic log of PB dipped in chocolate, with just a little nougat to provide some stability.
That said, any Reese’s holiday version win out every time
I’m all in on Christmas, but the scheduling can get me leaning towards Thanksgiving in certain years. It’s so nice to just burn one PTO day in return for 4 days of gluttony and football. Whereas this Christmas I get to work a half-day Monday, off Tuesday, then back to work for three days, then I get to do it all over again for NYE…
I like it, so that’s what I’m going to drink. I don’t judge IPA/wine drinkers speaking in jargon I don’t understand, so let me drink my “garbage” whiskey and macrobrews with the same respect.
Can get kind of lame depending on who you are with, however three dudes trying to explain what bukkake was to their SO’s, and why they know, was quite hysterical…
It seems like at mid level to smaller banks, it is kind of the thought that commercial lending is what drives revenue and because of that there is still a little bit of deal making and officers still have some power to “move and shake”. At larger banks (tbh, I have less experience) the deal making is at a minimum, and commercial deals are more very large, no brainer, syndicated style credits(which are likely handled by the syndication department/private client group), whereas locally the bread and butter that drives revenue is non interest income from debit cards, OD fees, etc.
For example, being a commercial lender/VP at a 20 branch regional bank is a much different role with much different responsibilities/power than being a commercial lender/VP for say a US Bank, even in the same town.
Also, very excited for next week. I would love to see an article about your ideas/outlook on the banking (specifically commercial) industry as a whole, and where you see it headed. At least in my rural market, it seems like banks are either getting bought, or prepping to get bought in some way. After going through now three mergers in as many calendar years, I think I am pretty good at seeing the writing on the wall, but would be interesting to see what others are dealing with.
I don’t think retail/commercial banking should be lumped together, at least not yet. Retail banking, primarily lending, is nearly all computer underwritten and can be done by someone with virtually no knowledge, and they have little power over the decisions made (I can say this because I have also done this).
Being in commercial/ag lending, at least in a small regional bank, you still have quite a bit of power over the decisions made and what you can provide your customer. Is that tightening up? Absolutely. Will commercial lending be underwritten on the same sweeping generalizations as retail banking is? I would imagine in the very near future, yes. Will I likely be fired for someone to be paid much less since all “lending” will become is data input and the computer makes a decision? Also yes….
Can confirm. I’m a commercial/ag banker who was recently was promoted from AVP to SVP, which came with a 1% pay increase and new business cards. That being said, I love my role in a small, regional bank, however my consistent, pessimistic soapbox speech is that we will all be acquired and a part of a large national bank within the next 10-20 years, if not sooner.
Almost had this happen to me in high school. Was supposed to go “ride around” with this girl, but the date didn’t end up happening. A couple weeks later rumors start flying shes pregnant. Turns out she was, so that would have been some major anxiety…
Local HS football game tonight, then rolling out of town at daylight to go visit my parents approx. 3 1/2 hours away. Will take them and the kiddo to a local pumpkin patch for fall stuff, then roll back Sunday in time to not have to drive in the dark, aka catch the Chiefs/Pats kickoff. Heard a stat that in the Brady/Belichick era when playing at home vs a QB < 25 yrs old, the Pats are 23-0. Might be a reality check for Mahomes.
Nothing really exciting, or concrete about this weekend. Wife is doing a Harry Potter themed 5k in the morning, so I will be cracking jokes about that until she finally gets pissy and puts a stop to it. Then maybe doing some shopping afterwards for pumpkins/mums to dress the porch up. Might order the Macgregor fight, however $65 seems like a lot for solo viewing. Hoping the Chiefs keep it rolling. Planning on smoking some pork for Sunday, might mess around and try some beef Saturday.
1. Health- the 18 year old idea is pretty good. Getting ready of this damn heartburn would be awesome.
2. Financial security- don’t need to live like a Kardashian, but definitely enough to immediately retire/travel, stay in peak relaxation mode 2/7
3. Golf game- #1 and #2 should take care of most anything else, so I guess the third would be to have a consistent golf game. Can’t imagine how nice it would be to be a wedge out and know you can stick it to a tap in, rather than fearing a shank.
I don’t know, at least with bringing your own you have the option to have something decent, even if it’s on your own dime. That still may be better than burnt free coffee
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I’m convinced both sides will continue to behave like children, and we will all be worse for it. Mostly, I’m just ready to stop getting political survey text messages…
Reese’s miniatures are way too much work, and as CtrlAltDelete stated, almost always broken. Probably not a popular take here, but I’m a big fan of the Reese’s fast break bar. Just a gigantic log of PB dipped in chocolate, with just a little nougat to provide some stability.
That said, any Reese’s holiday version win out every time
Oak Ridge Boys on vinyl
I’m all in on Christmas, but the scheduling can get me leaning towards Thanksgiving in certain years. It’s so nice to just burn one PTO day in return for 4 days of gluttony and football. Whereas this Christmas I get to work a half-day Monday, off Tuesday, then back to work for three days, then I get to do it all over again for NYE…
I like it, so that’s what I’m going to drink. I don’t judge IPA/wine drinkers speaking in jargon I don’t understand, so let me drink my “garbage” whiskey and macrobrews with the same respect.
I will drink Jack and Coke 7 days a week. Judge me. Don’t care
second this. We are the envy of our friend group because of it
Can get kind of lame depending on who you are with, however three dudes trying to explain what bukkake was to their SO’s, and why they know, was quite hysterical…
all in on anything the No Laying Up guys put out…
and the fact that you will likely get 2x book value, at minimum, for that stock when the bank inevitably sells
It seems like at mid level to smaller banks, it is kind of the thought that commercial lending is what drives revenue and because of that there is still a little bit of deal making and officers still have some power to “move and shake”. At larger banks (tbh, I have less experience) the deal making is at a minimum, and commercial deals are more very large, no brainer, syndicated style credits(which are likely handled by the syndication department/private client group), whereas locally the bread and butter that drives revenue is non interest income from debit cards, OD fees, etc.
For example, being a commercial lender/VP at a 20 branch regional bank is a much different role with much different responsibilities/power than being a commercial lender/VP for say a US Bank, even in the same town.
Also, very excited for next week. I would love to see an article about your ideas/outlook on the banking (specifically commercial) industry as a whole, and where you see it headed. At least in my rural market, it seems like banks are either getting bought, or prepping to get bought in some way. After going through now three mergers in as many calendar years, I think I am pretty good at seeing the writing on the wall, but would be interesting to see what others are dealing with.
I don’t think retail/commercial banking should be lumped together, at least not yet. Retail banking, primarily lending, is nearly all computer underwritten and can be done by someone with virtually no knowledge, and they have little power over the decisions made (I can say this because I have also done this).
Being in commercial/ag lending, at least in a small regional bank, you still have quite a bit of power over the decisions made and what you can provide your customer. Is that tightening up? Absolutely. Will commercial lending be underwritten on the same sweeping generalizations as retail banking is? I would imagine in the very near future, yes. Will I likely be fired for someone to be paid much less since all “lending” will become is data input and the computer makes a decision? Also yes….
Can confirm. I’m a commercial/ag banker who was recently was promoted from AVP to SVP, which came with a 1% pay increase and new business cards. That being said, I love my role in a small, regional bank, however my consistent, pessimistic soapbox speech is that we will all be acquired and a part of a large national bank within the next 10-20 years, if not sooner.
Almost had this happen to me in high school. Was supposed to go “ride around” with this girl, but the date didn’t end up happening. A couple weeks later rumors start flying shes pregnant. Turns out she was, so that would have been some major anxiety…
Local HS football game tonight, then rolling out of town at daylight to go visit my parents approx. 3 1/2 hours away. Will take them and the kiddo to a local pumpkin patch for fall stuff, then roll back Sunday in time to not have to drive in the dark, aka catch the Chiefs/Pats kickoff. Heard a stat that in the Brady/Belichick era when playing at home vs a QB < 25 yrs old, the Pats are 23-0. Might be a reality check for Mahomes.
Nothing really exciting, or concrete about this weekend. Wife is doing a Harry Potter themed 5k in the morning, so I will be cracking jokes about that until she finally gets pissy and puts a stop to it. Then maybe doing some shopping afterwards for pumpkins/mums to dress the porch up. Might order the Macgregor fight, however $65 seems like a lot for solo viewing. Hoping the Chiefs keep it rolling. Planning on smoking some pork for Sunday, might mess around and try some beef Saturday.
lol. typo…or was it?
1. Health- the 18 year old idea is pretty good. Getting ready of this damn heartburn would be awesome.
2. Financial security- don’t need to live like a Kardashian, but definitely enough to immediately retire/travel, stay in peak relaxation mode 2/7
3. Golf game- #1 and #2 should take care of most anything else, so I guess the third would be to have a consistent golf game. Can’t imagine how nice it would be to be a wedge out and know you can stick it to a tap in, rather than fearing a shank.
I don’t know, at least with bringing your own you have the option to have something decent, even if it’s on your own dime. That still may be better than burnt free coffee