Deleterious

This person collected links to the major banks economic and investing forecast for 2023. https://serebrisky.com/2022/12/29/economic-and-investment-outlook-for-2023-by-top-investment-banks/

Would love to see the win rate for teams that return two INT's for TD's in a game. Someone said the most INT's a team has returned for a TD this entire season is 4. TCU did half of that this game.

Screwed by the 3-3-5 again.

Lol

I don't like that. Now running into the kicker isn't a first down

What is with the huge gold chains Michigan fans are wearing? Did Run DMC attend Michigan?

Every being up you would think it's mostly green energy. But the next graph shows it's a lot of dirty energy that had a good year.

Two possessions inside the two resulting in zero points.

Hey guys, we have run over everyone like a Mack truck all season. So on fourth and two let's razzle dazzle it.

What the fuck.

I would say its more negotiating than talking head speak.

Oh fantastic that the game is on ESPN. Now I can watch while 10% of my screen is taken up by useless info and ads.

How do we know they are reluctant to trade him? Maybe they just have not received an offer they like. I mentioned it will be very difficult to trade him to a contender with that contract. On top of that, there are multiple shooters on the trade block this year so that will lower his price. Burks is one of them and honestly, for a lower price I probably grab Burks. On a contender both of those guys will perform the same function. Why not snag the lower priced guy.

He has not got along with Trae this year.

Georgia and Michigan both by 10.

So the S&P ends up down just under 20% for the year. It was the worst year since 2008. I feel like it could have been a lot worse.

This will not make fees go away, just lower them. Our pricing model includes CC fees in it. So yes, a lower fee for us is a lower price for our customer.

Our customers are a bit older. 35+ 40+ types. I bet you are right on the under 35 crowd. Wouldn't shock me if their credit/debit card use is over 95%.

Yep. All cards have different fees. A single company will have different fees based on which card you have. Just a straight up CC will have a lower transaction fee than a rewards card. American Express has the highest fees. Visa, MC, and Discover all normally top out around 2.4% + 10 cents. American Express is something like 3.3% + 10 cents. Then each card has an assessment fee of .13-.15%. A lot of the fees are based on volume. Walmart is charged a much lower fee since they do billions in transactions a year compared to us that will only do a few million. And the more volume you do the more negotiating power you have on fees. Yeah, we could never go cash only. 80-85% of our sales are on credit/debit cards.

No. That has nothing to do with this. Paying or not paying things off doesn't come into play here. When you use a CC at a business we are charged a fee to process it. I pass that fee onto you via higher prices. Rewards cards have the highest fees, so we set prices off of those. That means all of my items now cost more because of those rewards cards. You pay a higher fee to buy an item. I don't pocket the fee, it simply passes onto the CC company who is now the only winner in the deal.

Rewards cards are giant scams. Huge shell game where the money always funnels back to the CC company. Rewards cards charge the highest fees by far. We adjust our prices to meet those higher fees when we sell the public some goods. So now to get your cash back or travel points you are paying a higher price for the item you purchased. So it saves you nothing. Even though I am selling goods at a higher price, none of that is going into my pocket since I am just matching the higher interchange fees from the CC company. The only winner here is the CC companies. Some isolated incidents you will come out ahead. Amex has a card with 6% back on groceries and streaming services. Consumers definitely come out ahead on those type of deals. But the 1%, 1.5% cash back deals, probably not.

Best Buy has a pretty good price match guarantee. If they have the identical monitor as Micro Center they will match the price. We have used it in the past and it was pain free. And it will save you a drive.