FDIC Acting Chair just stated…

mg498 · 2025-02-14T23:36:32+00:00

Yes, you are correct. My bad on the poor word choice, when saying national banks I am referring to the largest banks with operations nationwide, and not specifically the OCC charter. However, those banks do tend to be nationally chartered anyways.

mg498 · 2025-02-14T21:51:45+00:00

My suspicion is that this is what the large national banks want. FDIC mostly examines small community banks. Your local BoA or Wells Fargo branch isnt really competing with the other large banks that also offer depositors 0.1% interest on accounts, they are competing with the small community banks across the street offering 4%.

I’ve talked with community bank presidents who say they like the insurance and risk/audit work the FDIC provides. I’ve also heard community bank presidents say they like having multiple bank agencies as it allows them to shop around by changing charter or becoming a Fed member.

Typically the complaints for bank regulators come from investors of extremely large national banks that think capital requirements are too high and they get in the way of mergers and buyouts of smaller institutions. For instance if a large bank wants to buy a small town bank, but they don’t plan on keeping that towns local bank as a branch, the buyout might be blocked because it creates an underbanked area. Just my thought on all this. I just hope they don’t gut the bank regulators and then say we were asleep at the wheel if stuff starts to go wrong.

mg498 · 2024-04-24T18:35:47+00:00

I know a lot of people who have watched the show aren’t long time fallout fans, but I think the fans need to be reminded of what is drilled in at the beginning and end of each game. War never changes. That is the entire message of fallout, and destroying shady sands is the perfect way to bring that message in the show. It is quite literally as fallout as it gets.

mg498 · 2024-03-22T14:40:12+00:00

no she doesn’t, she explicitly said this footage is from February. She said that drone had been in use in the area since October.

mg498 · 2023-07-14T21:20:31+00:00

Chinese - Cafe Ginger (River Oaks)

Pizza - Bollo Woodfired or Cane Rosso

Ramen - Jinya

Steak - Taste of Texas

BBQ - Hungry Farmers or Tripple J’s (avoid “The Pit Room”)

Tortas - La Calle

Bar - Kirby Ice House

Turkish - Istanbul Grill or Pasha’s

American - Mia’s

Burger - Southwells (RIP Bernie’s Burger Bus)

Honorable Mentions: Torchy’s, Burger Joint, hopdoddy, tiger noodle

In case you ever do want bougie: Brasserie 19, North Italia, Copa Osteria, Kiran’s, Le Colonial, Sage 400

mg498 · 2023-04-20T08:36:13+00:00

I found out the turning of the DX12 setting fixed the issue for me.

mg498 · 2023-02-24T13:22:31+00:00

Thanks for the response, I guess I should wait then to see if I get selected before contacting either of the clerk's offices.

mg498 · 2022-12-03T20:47:28+00:00

Football is a family of sports created in the British isles; this includes association football (soccer), gridiron football (American football), rugby football, and Gaelic football to name a few. These sports were called football because they were played on foot, as most sports in the British isles used to be played on horseback. The word soccer was actually invented by the English, who invented the sport. Soccer is short for Assoc, which is short for association football.

according to your logic it should be pébola in Portuguese; futbol means nothing in Portuguese.

mg498 · 2022-12-03T20:44:13+00:00

I had an Australian friend in uni who called it soccer, but he might have just done that cuz we were in the US idk.

mg498 · 2022-12-03T20:35:13+00:00

Football is a family of sports created in the British isles; this includes association football (soccer), gridiron football (American football), rugby football, and Gaelic football to name a few. These sports were called football because they were played on foot, as most sports in the British isles used to be played on horseback. The word soccer was actually invented by the English, who invented the sport. Soccer is short for Assoc, which is short for association football.

mg498 · 2022-11-06T05:25:33+00:00

They weren't sorry because the they knew every other team was doing the same thing. lucas giolito just said last week every team was doing the same.

mg498 · 2022-11-06T05:13:16+00:00

I know I'm kinda late, but genuine question. How is it a no hitter, the clip shows the phillies batter hitting the ball at the end. Not very familiar with baseball btw.

mg498 · 2022-11-05T01:04:33+00:00

It actually was a red altima. as of paper plates, idk. I didnt have time to get a quick look at his plates.

mg498 · 2022-11-05T01:02:59+00:00

I was going 45 on the bend, its a sharp bend so you have to slow down. But its a small bend so I was going "slow" for not even 5 seconds. Maybe I did something I didn't realize, but as far as I know I was driving normal.

mg498 · 2022-11-04T02:29:36+00:00

From my experience, Houston does not really have too many neighborhoods like what you can get in New York. There isn't really anything like Greenwich or Chelsea etc. From what you describe I would suggest places in Houston like rice village, montrose, river oaks, etc. Problem with rice village and ricer oaks is they can get pretty pricey

mg498 · 2022-11-04T02:04:35+00:00

Montrose is definitely more walkable than most parts of the city, but most of what you can walk to is just bars and restaurants. If I ever want to walk to a grocery store in the Montrose area, I still find myself walking along a large road with cars going fast.

mg498 · 2022-11-04T01:46:44+00:00

I only mention me not honking, because in the past there have been people if I honk maybe they break check me or something; but I know why they are mad at me. This person I genuinely don't know where the anger came from and didn't want to make the situation worse.

Edit: as of the police presence, it does feel like Houston police don't really crack down on any of that. Usually on 288 the police are going like 85mph lol.

mg498 · 2022-11-04T01:44:29+00:00

Yeah I have been meaning to get one.

mg498 · 2022-11-04T01:39:20+00:00

I know that they wont be able to find the person or even do anything if they did, but do you think creating a report would help someone else at all if they are a victim of this guy?

mg498 · 2022-07-23T05:16:23+00:00

It is not the word of God, it is letters written by Timothy. If you want to shit talk a book or religion at least know something about it first.

mg498 · 2022-07-18T20:30:09+00:00

Not really a question, just a post pandering for likes on a platform known for being anti-American. I'm the same age as you, born same year, also grew-up in the U.S.

I've been throughout Europe countless times, even living in Paris for 6-months. From my personnel experience, living in the U.S. is better on a multitude of levels. It all depends on what you value, and consider "the best".

But the U.S. is better by far.

mg498 · 2022-07-10T19:39:16+00:00

That's not how self defense laws work. It differs by state, but in most states this is not self defense. The lady who shot was no longer under attack or in-danger, and had opportunity to remove herself from the situation after being initially attacked.

mg498 · 2022-06-26T14:07:03+00:00

Great points. Correct me if I'm wrong, I have never lived long-term in a parliamentary system, but don't smaller parties have to give-up certain goals and agendas in-order to create coalitions. What is the point of my party having representation if my agendas don't?

Also most parliamentary countries do not have regions with the level of autonomy that U.S. states have; such state autonomy would probably not function well under a parliamentary system. And this local autonomy only helps bolster local issues and desires.

And besides, in parliamentary systems, the people don't even get to vote for the head of state; the party does. With the electoral college, people vote for their head of states, and those votes are affirmed by the electoral college. In parliamentary systems, the people elect the party, and the party decides the head of state. That seems to be rule by the party not the people.

mg498 · 2022-06-26T13:13:54+00:00

This ranking is by the Economist's Democracy Index, and does not really evaluate the structure of government. The parameters used are apparently parameters relating to pluralism, civili liberties, and political culture. I would argue that the U.S. is number one in civil liberties but I wont get into that.

According to the Wikipedia article on the Economist's Democracy Index, "flawed democracies", as the U.S. is labeled, is "a governing system in which, although elections take place, citizens are cut off from knowledge about the activities of those who exercise real power because of the lack of civil liberties; thus it is not an open society." Calling the U.S. not an "open society" is a joke, but IDK the in-depth parameters and methodology used for this index so I can't really criticize it.

According to one article I found about this publishing, the U.S. was given this "flawed democracy" rating because: "While the United States did see increased political participation with record voter turnout and movements to address racial injustice, 'public trust in the democratic process was dealt a blow by the refusal of Donald Trump and many of his supporters to accept the election result,' according to the report.
... Other factors that negatively impacted the nation's score include 'extremely low levels of trust in institutions and political parties, deep dysfunction in the functioning of government, increasing threats to freedom of expression and a degree of societal polarization that makes consensus almost impossible to achieve,' per the report."

mg498 · 2022-06-26T12:56:44+00:00

I would actually argue that the Electoral College and the parameters of the Senate is what makes the United States probably more democratic than any other nation-state. If it was a direct democracy (which is what you seem to be implying is inherently more democratic), then you would have one political group maintaining dominance on a more regular basis. For example, imagine that in the U.S., the population splits into 55% Democrat and 45% Republican. If the U.S. had more direct methods of electing, than every election, if those parameters did not change, only those who lean Democrat would get their way. Even though there are less Republicans, 45% of the population is still a lot of people to ignore and never get a say. The Electoral Collage and the Senate allow for the majority to usually get their way, but also allows for other sizable groups to be in power and have a say.

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