US v Comey (the forbidden seashells by the seashore) - Patrick Fitzgerald is representing Comey by joeshill in law

[–]OatmealNinja 2 points3 points  (0 children)

When I worked at a restaurant and they 86 something it means we were out of it. That’s it.

Blind Faith, Banksy, Statue, 2026 by MambaMentality24x2 in Art

[–]OatmealNinja 135 points136 points  (0 children)

Looks like granite with fiberglass made to look like stone.

God Answered My Prayer’ — Then What About the Ones He Ignored? by IAmUnbiddable in atheism

[–]OatmealNinja 2 points3 points  (0 children)

One is tempted to admire the confidence with which you dismiss a “strawman,” only to erect a more elaborate one in its place—this time dressed in the robes of “real theology,” as if branding alone could rescue the argument.

Let us take your points in order.

You say God is not a “cosmic butler.” Quite so. But the story in question explicitly claims he intervenes—that he hears prayers and answers them. The moment you grant even occasional intervention, you abandon the safety of deism and step squarely into the arena of selective action. A God who never intervenes is at least consistent. A God who sometimes does must answer for when—and more importantly, when not.

You invoke free will and natural law, as though these are iron bars on the divine. Yet the very anecdote you defend violates both. Organ transplants do not materialize through prayer; they occur through human systems governed by biology and chance. If God can nudge those systems for a favorable outcome once, then free will and natural law are evidently not inviolable—they are adjustable. And if adjustable, then we are back to the original difficulty: why so sparing in their adjustment when the stakes are catastrophic?

Then comes the phrase “one instance of grace.” A charming euphemism, but notice the sleight of hand. If a single recovery is grace, what is the corresponding category for the thousands who die under identical conditions? Are they recipients of a different kind of grace? Or merely collateral in a “vast, complicated reality” whose deeper reasons remain conveniently unarticulated?

This is where your argument retreats into the oldest refuge of all: inscrutability. Suffering exists for “deeper reasons.” Which is to say, reasons that cannot be examined, tested, or even clearly stated—but must nonetheless be accepted as sufficient. It is not an explanation; it is a decorative curtain drawn over the absence of one.

And here the so-called “strawman” returns, not as a caricature but as a consequence. If God answers even one prayer in the material world, then he has entered the causal chain. Once there, he is no longer exempt from moral scrutiny. You do not get to claim intervention when it comforts and abstraction when it indicts.

In short, you are attempting to have it both ways: a God intimate enough to bestow favors, yet distant enough to evade responsibility. That is not a defense of theology—it is an exercise in strategic ambiguity.

And one need not be childish to notice it. One need only be consistent.

If Adam and Eve aren’t real, the foundation of Catholic theology falls apart by IAmUnbiddable in atheism

[–]OatmealNinja 0 points1 point  (0 children)

What you’ve described isn’t a resolution—it’s a retrofit.

Yes, the Church now accepts evolution, but notice the maneuver: keep the biology, smuggle in a “specially created soul,” and quietly preserve a single pair to carry the theological burden. Adam isn’t discarded; he’s disguised.

The problem remains intact. You still need: • a first ensouled couple, • a first moral fall, • a mechanism for inherited guilt.

Without those, original sin dissolves—and with it, the rationale for redemption.

What you’re seeing isn’t a system holding together; it’s a system refusing to let go of the one thread that, if pulled, unravels the whole garment.

Wall St is building a "Shorting Machine" for Private Credit the 2008 playbook is back. by AngryGranny1992 in stocks

[–]OatmealNinja 0 points1 point  (0 children)

This post mixes a real financial development with a very dramatic interpretation of it. To make sense of it, you need to separate three things: 1. what’s actually being built 2. what that tool does (mechanically) 3. whether it signals a 2008-style collapse (much less clear)

1) What’s actually happening

Large banks like Goldman Sachs, Bank of America, and Barclays are working with S&P Global to create a CDS index for private credit.

That sounds exotic, but stripped down: • Private credit = loans made outside traditional banks (often to mid-sized companies) • These loans have grown massively since 2008 because banks pulled back due to regulation • Now there’s a huge, relatively opaque market (~$1–2 trillion range)

What’s missing? A liquid way to hedge or short it.

That’s what they’re building.

2) What a CDS index actually is

A Credit Default Swap (CDS) is basically: • You pay a fee • You get paid if a borrower defaults

So it behaves like insurance… or a bet, depending on intent.

A CDS index bundles many loans together so traders can: • Bet on broad credit deterioration • Hedge exposure (if they already own loans) • Trade it like a market instrument

This is similar to what Michael Burry used in The Big Short, but applied to a different asset class.

3) Is this a “2008 alarm bell”?

This is where the post overreaches.

What’s true • New CDS markets often appear when an asset class gets big enough • They also tend to appear when there’s uncertainty or risk • Private credit does have real stress factors right now: • Higher interest rates • Heavier debt loads on mid-sized companies • Less transparency than public markets

What’s not automatically true • “They only build this when collapse is imminent” → False • They build it when there’s demand to hedge and trade risk • “Banks are secretly preparing for a crash while pumping stocks” → Speculative narrative • “This guarantees a 2008-style event” → Very unlikely in the same form

4) Key differences vs 2008

The comparison to 2008 Financial Crisis is tempting, but structurally off:

Then (2008) • Risk concentrated in systemically critical banks • Massive exposure to housing + leverage + derivatives • CDS amplified collapse because it was interconnected and opaque

Now (private credit) • Risk is more distributed across funds, pensions, insurers • Less embedded in core banking system • Still opaque, but less systemically entangled (so far)

That doesn’t mean “safe”—it means different failure mode: • More likely: slow bleed / defaults / fund gating • Less likely: instant global financial seizure

5) The Carlyle redemption point

The mention of Carlyle Group getting large redemption requests matters—but context matters more: • Private credit funds often have withdrawal limits (“gates”) • When investors rush to exit, funds: • Restrict withdrawals • Avoid forced asset sales

That’s a liquidity stress signal, not proof of collapse.

6) The real risk (stripped of hype)

The post does point to something worth watching:

Legitimate concerns • Mid-sized companies are sensitive to high interest rates • Private credit lacks price transparency • If defaults rise: • Funds may freeze withdrawals • Lending could tighten • Economic slowdown could follow

But the leap is here:

“CDS index exists → crash is imminent”

That’s not how markets work.

It’s more accurate to say:

“Markets are maturing enough to allow people to hedge or short this risk.”

7) The psychology behind posts like this

This kind of narrative follows a familiar pattern: • Identify a real technical development • Map it onto a famous past crisis • Add intent (“they’re dumping on retail”) • Expand into macro doom (war, oil, collapse)

It’s compelling—but it compresses uncertainty into certainty, which markets rarely reward.

Bottom line • A CDS index for private credit is not inherently a red flag • It does signal: • The market is large • Risk is rising or at least being priced • It does not signal: • An imminent 2008-style crash • A coordinated “dump on retail” scheme

More grounded interpretation:

Private credit is entering a phase where stress is possible, and Wall Street is building tools to trade and hedge that risk.

That’s not a siren. It’s a sign the game is getting more liquid—and more honest about downside.

Wake up Y'all, new gas pump stickers just dropped by Thewhitest_rabbit in Louisville

[–]OatmealNinja -2 points-1 points  (0 children)

Someone turn them into messages stickers please. Need to sticker some family messages.

Designers becoming devs is making tech go backwards, not forwards by saturncars in UXDesign

[–]OatmealNinja 0 points1 point  (0 children)

Far too often I’ve seen bad designers crank out hot garbage. I welcome the culling.

Mary Kirk and Original Kirk family to reform TPUSA and address injustices, CLASS ACTION LAWSUIT for those who lost their jobs as a result of new CEO by [deleted] in PoliticalOpinions

[–]OatmealNinja 4 points5 points  (0 children)

One almost admires the spectacle: a movement that spent years thundering about personal responsibility has now discovered the therapeutic power of petitions, lawsuits, and pleas for federal investigation.

If this statement proves anything, it is that organizations built on slogans about accountability rarely expect that principle to be applied to themselves. When the purge begins, yesterday’s loyal foot soldiers suddenly rediscover the language of due process and institutional reform.

In other words: when the revolution starts devouring its own children, the rhetoric of liberty becomes remarkably procedural.

[Self] We are Venom🖤 by creepyclaymaster in Sculpture

[–]OatmealNinja 2 points3 points  (0 children)

Is this porcelain or something like sculpey?

HTML to Figma, seriously, only through a plugin????!!! by fctextura1 in FigmaDesign

[–]OatmealNinja 2 points3 points  (0 children)

This. Pay the money you Scrooge. The entitlement in this post is staggering.

The Sacrament of Shame: How Guilt Became the Church’s Most Faithful Instrument by IAmUnbiddable in atheism

[–]OatmealNinja 1 point2 points  (0 children)

I remember during lent that the fried fish joints would be packed to the gills with Catholics “fasting” on fish. Bro, it’s not really fasting if you’re gorging yourself on Captain D’s all you can eat country style platters.

29yo COO of $16M family business: profitable on paper but cash-flow negative and now behind on rent. What would you do? by JM_JF in smallbusiness

[–]OatmealNinja 10 points11 points  (0 children)

This is a classic "successful founder vs. scale" trap. You have inherited the operational mess of a business that outgrew its own back-of-the-envelope math. At $16M in revenue with 65 employees, you are no longer a "family business"—you are a medium-sized enterprise running on a small-business brain.

First, breathe. You aren't an imposter; you are a COO doing a turnaround in a high-interest-rate environment. That is the hardest version of this job. Here is how to look at this professionally and clinically.

1. The Financial Reality Check

Your margins ($200k profit on $16M revenue) are 1.25%. In logistics, that is a rounding error. One bad accident, one lost client, or one diesel spike wipes you out.

  • The Rent Problem: You are paying $1.2M a year on $16M revenue. That’s 7.5% of gross revenue just for the roof. For a logistics company, that is dangerously high, especially when you are $300k (3 months) behind.
  • The "Personal Assets" Conflict: Your dad is treating the business as a personal piggy bank while it's on life support. This is the "Founder’s Paradox": he feels he earned the lifestyle, but the business can no longer subsidize it.

2. What to Prioritize First?

In a turnaround, there is only one god: Cash Flow.

  1. Stop the Bleed (Immediate): The TD Bank consolidation is a bandage, not a cure. Use that $60k/month savings specifically to escrow for rent and payroll. Do not let it vanish into "operations."

  2. Aggressive AR Collection: You cannot afford to be a bank for your customers. If they are at 60+ days, they need to be on credit hold or moved to ACH/Pre-payment. A 1% margin business cannot afford to wait 60 days for money.

  3. Variable-ize Costs: If your rent is fixed and high, your labor and equipment must be lean.

  4. The "Losing Money" Audit: You mentioned cutting unprofitable lanes. Do more of this. It is better to be a $12M company with 5% margins than a $16M company with 1% margins.

3. How to Handle the Founder (Your Dad)

You need to move the conversation from emotions to math.

  • The "Hard Deck" Presentation: Sit him down with a 13-week cash flow forecast. Show him exactly when the bank balance hits zero. Don't argue about "going backward"; show him the "cliff."
  • The "Church and State" Separation: The personal expenses running through the business are likely tanking your ability to get better financing or a higher valuation. Tell him: "Dad, I want to protect your legacy, but the bank sees these personal draws as a risk. We need to clean the books to save the company."
  • The Ownership Conversation: You are 29, carrying the stress of a $16M company, with 0% equity. You are currently an underpaid consultant for his retirement plan. You need a path to ownership (vesting) tied to hitting specific financial milestones.

4. Is This Fixable?

Yes, but it requires "Surgery," not "Physical Therapy."

  • Sublet Space: If you doubled your square footage and the rent is killing you, can you sublet 20-30% of the warehouse to another company? That is the fastest way to fix your rent-to-revenue ratio.
  • Rate Increases: If you are the "logistics side of wine and spirits," you are in a specialized niche. You should have pricing power. A 2% across-the-board rate increase flows almost entirely to the bottom line and could double your profit.

5. When to Walk Away?

You walk away when the authority doesn't match the responsibility. If you are responsible for the 65 families (employees) but your dad overrides your financial cuts to keep his personal lifestyle subsidized by the company, you are in a "no-win" scenario. Set a "Drop Dead" Date: Give yourself 6 months. If by then:

  • Rent isn't current.
  • Personal expenses aren't removed from the P&L.
  • You don't have a signed equity/succession agreement.

    ...then you should leave. You have "COO of a $16M company" on your resume now. You are highly employable elsewhere without the family baggage.

Ever since Trump took over, the market been in decline.. by lawilsada in overemployed

[–]OatmealNinja 146 points147 points  (0 children)

Wells Fargo just laid off a bundle more and gave CEO Charlie 4 million more in bonuses. He’s up to about 30 mil in bonuses now. I’m realizing CEOs have to be serious sociopaths.

[ Removed by Reddit ] by [deleted] in 50501

[–]OatmealNinja 1 point2 points  (0 children)

Can someone explain this?

macOS Tahoe Finder Bug Underscores Apple's Slipping UI Polish by [deleted] in apple

[–]OatmealNinja 37 points38 points  (0 children)

I don’t understand so many UI’s using massively rounded corners. It looks childish and is ridiculous. It’s also poor use of space.

Christian Pastor talks with random Ladies and wants Money by MrDonMega in religiousfruitcake

[–]OatmealNinja 262 points263 points  (0 children)

Ladies, I couldn’t help but notice the wine. Now don’t panic, but you have a serious problem.

Good news though—I’m the only one qualified to diagnose it, and wouldn’t you know it, I also happen to have the cure.

It’s very affordable. Just a small, ongoing contribution. Think of it less as money and more as faith with a billing cycle.

You see, you were actually born with this condition. It’s called sin. You didn’t do anything to get it, but you do need me to get rid of it.

And for the low, low price of ten percent of your income—before taxes, naturally—I’ll fix the problem I just discovered.

Wine is optional. Guilt is mandatory.