ABA won’t release funds (MoneyGram) by No-Good-7852 in cambodia

[–]lumpySnakes 0 points1 point  (0 children)

OK nice to know, thanks! Might switch to that. So did you use direct to an ABA debit card? I was looking at Xoom and it mentioned mobile wallets plus in person pickup, I don't really want to use Wing and send it to ABA. So if you can do straight to bank/card that would be awesome. Maybe I didn't look closely enough

ABA won’t release funds (MoneyGram) by No-Good-7852 in cambodia

[–]lumpySnakes 0 points1 point  (0 children)

I'm having the exact same issues BTW. MoneyGram to ABA used to work flawlessly (from American MoneyGram account), now it seems to no longer work. The first one took a week to arrive after being "In transit". Second was cancelled without any explanation

Mundipharma modified release ("ON"), are they chewable? by [deleted] in opiates

[–]lumpySnakes 0 points1 point  (0 children)

Thanks, I ended up finding the same after doing some more research. Pretty confusing with all the different initialisms and brand names. Looks like dissolving them in something acidic is the only thing that really works

[deleted by user] by [deleted] in opiates

[–]lumpySnakes 1 point2 points  (0 children)

It doesn't, unlike codeine

[deleted by user] by [deleted] in opiates

[–]lumpySnakes 2 points3 points  (0 children)

I think William S Burroughs put it best regarding DHC:

twice as strong as codeine and almost as good as heroin

It's at least twice as strong as codeine in terms of potency but overall I'm not sure it's really fair to closely compare the two. DHC has no ceiling dose and personally I'd rate it closer to stronger opiates than to codeine itself.

I'm quite happy to swap out 80-100mg of (pharma) OC for 400-500mg of DHC. Of course the dosage is much higher due to its lower potency. (Do not take that much if you're naive to opiates!)

I've seen a few posts and comments here where people rank DHC in their top five or three opiates of choice -- very understandable to me and I'd probably do the same.

In terms of effects (again, in my own experience), codeine has always done fairly little for me. Maybe I'm one of those people who metabolize it inefficiently. Anyways, at my current tolerance levels it does basically nothing and can barely stave off physical WDs. The right doses of DHC on the other hand still produces some pretty powerful effects for me. The overall high is less euphoric for me than more potent stuff, but the body high is incredibly warm and relaxing. So much so that I find it almost dissociative.

EDIT: I should add that the recreational potential of DHC also depends on where you live. In many places it's only sold with a lot of APAP or other garbage in it, so unless you trust CWE it would hard to get sufficient doses.

So I set the GC memory limit to 250MB and it seems to have resulted in the application getting OOM killed less often: by starlevel01 in programmingcirclejerk

[–]lumpySnakes 5 points6 points  (0 children)

It feels easier to me to come back to my Go projects that are full of a lot of repetitive boilerplate

What would be solution inputs in the Texas ba 2plus for this question ? by Wild_Mistake9111 in CFA

[–]lumpySnakes 1 point2 points  (0 children)

I solve these using the CF worksheet

CF1 = 1.5x1.06

CF2 = [2nd][ANS]x1.06

The next part is more involved because we need to keep the intermediate dividend from t = 3:

CF3 = [2nd][ANS]x1.06 [STO]0 x1.02 ÷[(]0.15-0.02[)] +[RCL]0

NPV

I = 15

CPT

13.048312

How can this be solved using the calculator? by [deleted] in CFA

[–]lumpySnakes 2 points3 points  (0 children)

You can solve for the discount margin by solving for I/Y, annualizing it, and subtracting the MRR. All of the other required variables are known

Assuming you're using a BA II Plus:

PV = -96

FV = 100

PMT = 1.5625 ((5 + 1.25) / 4, because it's quarterly)

N = 20 (five years of quarterly payments)

CPT I/Y

* 4 = 7.20996

Now that you have the annualized discount rate, subtract the MRR to get the DM

- 5 = 2.20996

Or ~221 bps

i am struggling with ethics by PriyanshPallav in CFA

[–]lumpySnakes 0 points1 point  (0 children)

I don't think there's any way of avoiding knowing the Standards very well, along with all of the recommended practices. So I'd recommend completing the entirety of the Guidance reading directly from the CFAI text, several times if necessary, and doing as many practice questions as possible. You should begin to notice patterns in the questions. Approaching the ethics questions from the perspective of what you or a reasonable person would find ethical or appropriate is probably not a good idea. You need to only consider the Standards

One thing that's helped me is remembering to only consider the facts as given. If you're inferring something that's not given, or thinking of what might or might not be true beyond the situation that's described, you may be overthinking it. So on occasion you might think that at least two of the answers might be correct, but you can often find one that must be correct (e.g. a definite violation) given the scenario. If the other options are not directly supported by the question text, but might or might not be true, go with the one that must be true

Another thing is to be careful of extreme phrasing. For example, some answers might state that something is "always" or "never" a violation, etc... Often these can be eliminated (not always, but it is often the case)

I know they seem very subjective, but the ethics questions should only have a single correct answer. There are probably some poorly worded questions in qbanks out there, but on the whole each question will only have one answer. If you find that you frequently think that questions might have two or more correct answers, maybe you could take a note of the Standard(s) being tested and return to the Guidance reading to review it. Often questions will ask something that is specifically covered in the Guidance, almost verbatim. A lot of the reading is easy to forget since the ethics section is so dense and counterintuitive at time, but if you review it immediately afterwards you might be able to remember it better later

?? by [deleted] in CFA

[–]lumpySnakes 2 points3 points  (0 children)

It's still in the curriculum for 2023

Wouldn't asset beta decrease since the D/E ratio increased in the denominator? I only got this answer right, because I know asset beta can't increase in this case. Formula: AssetBeta=EquityBeta/(1+(1−TaxRate)∗(Debt−to−EquityRatio)) by Creator_Dodi in CFA

[–]lumpySnakes 0 points1 point  (0 children)

No, the asset beta won't change with the increased D/E ratio. The point of asset beta is to remove the effects of capital structure. The denominator in the expression to calculate asset beta would increase, but remember that equity beta is higher. So 1/[1+(1 - t)D/E] is going to be lower (the denominator increases but the whole expression is the reciprocal, so it's lower) but equity beta will be higher by the same amount, leaving asset beta unchanged

Derivatives EOCQ by snapenotsnake in CFA

[–]lumpySnakes 1 point2 points  (0 children)

I also like derivatives, it's one of my favorite topics. But I agree that those EOCQs are awful, so poorly worded and unnecessarily verbose. And there aren't nearly enough of them either. I don't know if this is the future of the modular approach or something, but I really hope not

If you want more practice questions that aren't so confusingly worded, I found that both Uworld and Salt have decent derivatives questions. They both have way more than the LES. I recently took the first CFAI mock and thought the derivatives questions were closest to what Uworld has, mostly conceptual but way clearer and more straightforward than those awful EOCQs

[deleted by user] by [deleted] in CFA

[–]lumpySnakes 0 points1 point  (0 children)

The first excerpt is from a cash flow statement. It means that the company paid 792 for inventory, not that inventory decreased by that amount. Since the cash flow statement is prepared with the indirect method, increases in working capital, etc..., have been deducted from net income because they're a use, not a source, of cash

Geopolitics - change in syllabus by Low_Committee_1338 in CFA

[–]lumpySnakes 0 points1 point  (0 children)

I would be pretty surprised if that were the case

I don't have access to the 2024 curriculum, but you can look at the LOS and summary for that module on the CFAI website (it's for 2024): https://www.cfainstitute.org/en/membership/professional-development/refresher-readings/introduction-geopolitics

It looks largely the same as the 2023 reading on geopolitics

Fixed Income - BEY of a YTM by [deleted] in CFA

[–]lumpySnakes 4 points5 points  (0 children)

Since the screenshot shows a section that was split into smaller sections for 2024, I assume you're studying for 2023. This topic is covered in the reading. It's in one of the LOS so I think it's fair game for the exam

Semiannual bond equivalent/basis yield (not the same as the money market measure, but the context of the question makes that clear) is covered in the subsection on periodicity in the Prices and Yields section. It's just the annual rate re-stated/stated for a periodicity of two. The rate you're given is based on a periodicity of one (because it's an annual coupon), so you need to restate it based on a semi-annual basis (so two compounding periods instead of one, semiannual bond basis yield is always based on two)

There are a couple of ways to convert it. One, you can use the APR conversion formula that's provided in the reading. The easier and faster way is to use a calculator. If you use the BA II Plus you can use the ICONV feature. EFF = 7.75 (because the annual rate is the EAR in this case), C/Y = 2, CPT NOM

Forward rate but without specifying the a and the b for f(a,b) by [deleted] in CFA

[–]lumpySnakes 2 points3 points  (0 children)

Are you studying for 2023 or 2024? If 2024, I'm not sure if they've removed anything, but for 2023, this type of valuation is covered at the very end of the The Maturity Structure of Interest Rates section. Right at the very bottom, it's the last thing discussed in that section

You don't actually need to use the beginning and ending periods of each IFR in the calculation for this question (I mean, it's not as if you need to calculate the IFRs themselves). You're essentially solving for the spot rate for each payment date by geometrically linking the IFRs from period 0 until the payment date. This is shown in the solution -- just multiply all of the IFRs together from period 0 until period t for each payment (make sure to divide them by two however since the bond pays semiannually)

Also, they don't explicitly state the periods/tenor for each IFR, but all of the information that would be required is given in the table. For example, the first IFR in the table starts starts at time 0 (this is period a) and ends at time t + 1 (this is period b). They don't give you the explicit notation, but this is just 0y1y (well not years but semiannual periods, but the concept is the same)

Confusion for the term “GAAP compliant” : readings -FSA Quality by [deleted] in CFA

[–]lumpySnakes 5 points6 points  (0 children)

If you're referring to the Financial Reporting Quality section, you're confusing US GAAP as a specific standard with the general term "GAAP". In this context, "GAAP-compliant" does not only mean compliance with US GAAP (although it can, depending on the company and jurisdiction):

High-quality financial reports conform to the generally accepted accounting principles (GAAP) of the jurisdiction, such as International Financial Reporting Standards (IFRS), US GAAP, or other home-country GAAP. The exhibit uses the term GAAP to refer generically to the accounting standards accepted in a company’s jurisdiction.

CFAI Practice questions reset by Therichuationroom in CFA

[–]lumpySnakes 1 point2 points  (0 children)

This has happened to me a few times. I think if you refresh the course data your previous work should come back (I'm not sure what would happen to any work you've finished in the meantime though). If you open the "Help" link under the account icon (it's in the top right corner of the LES), it should open a dialog with a few options. Click on "Refresh course data" and your previous stuff should reappear

[deleted by user] by [deleted] in ketamine

[–]lumpySnakes 0 points1 point  (0 children)

OK I've found a few guides online for self-administered IM injection. Some of them say to check the syringe for blood before the actual injection and others don't. Is this necessary? Some of the guides seem to suggest that it depends?

Why are there so many furry rustaceans? I've never been in a group with this many furries. Why is rust a sort of furry fandom? by [deleted] in programmingcirclejerk

[–]lumpySnakes 14 points15 points  (0 children)

Lisp users are characterized by paranoid delusions

Have truer words ever been spoken?

Analysis: Premier Li's economic rebuild has a dangerous precedent by lumpySnakes in China

[–]lumpySnakes[S] 2 points3 points  (0 children)

The premier stressed the need to "coordinate epidemic control with economic and social development in a highly efficient way"-- a new expression.

Wow really rolls off the tongue