🚨🚨 LOOKING FOR NUMBER ONE NLH ON POKERRRR2 🤩 DIAMOND IS THE NAME . Over 1600 MEMBERS and growing🔥🔥🔥We are LEGIT and RESPONSIVE🙌🏻💎Text 714-260-7333 or join code 3tbh3 today

2021.11.29 13:50 Diamond2020C 🚨🚨 LOOKING FOR NUMBER ONE NLH ON POKERRRR2 🤩 DIAMOND IS THE NAME . Over 1600 MEMBERS and growing🔥🔥🔥We are LEGIT and RESPONSIVE🙌🏻💎Text 714-260-7333 or join code 3tbh3 today

🚨🚨 LOOKING FOR NUMBER ONE NLH ON POKERRRR2 🤩 DIAMOND IS THE NAME . Over 1600 MEMBERS and growing🔥🔥🔥We are LEGIT and RESPONSIVE🙌🏻💎Text 714-260-7333 or join code 3tbh3 today submitted by Diamond2020C to pokerrrr2 [link] [comments]


2021.11.29 13:50 svanapps The Daily Money: Check out our Cyber Monday sales guide; beware of Giving Tuesday scams

The Daily Money: Check out our Cyber Monday sales guide; beware of Giving Tuesday scams submitted by svanapps to CryptoToFuture [link] [comments]


2021.11.29 13:50 bexmwh Penny in her favorite way to sit. Enjoying the evening. Does anyone else's cat sit with their leg out like that.

Penny in her favorite way to sit. Enjoying the evening. Does anyone else's cat sit with their leg out like that. submitted by bexmwh to TuxedoCats [link] [comments]


2021.11.29 13:50 iownbrokers BROKER WARS: Part 1 — How will they handle the worst-case squeeze scenario?

It's like a game of musical chairs. What have retail brokers been doing since January to make sure they have somewhere to sit when the music stops? They've been busy!
This post is a deep dive looking at the strategies brokers implemented since the price spike in GME on January 2021. How are they managing the risk? By looking at the official Client Agreements of multiple brokers, the patterns are more obvious so it's easier to understand how events could play out in the worst case.
TL;DR: Brokers have rewritten or adapted their contracts to ensure their customers take on almost all the risk. Legal challenges to this (after the fact) will be difficult unless there's a trail of evidence holding those brokers accountable before it happens. Worst case, you should assume that any share that's not been DRS'd could be liquidated without any recourse.
This post is split into four parts:

  1. What brokers can do to reduce their own risk.
  2. When brokers can liquidate your position.
  3. Who is liable when a liquidation happens.
  4. How to increase your chances of getting paid.
Documents referenced in this post (see archive.org for previous versions of the contracts):
DISCLAIMER: I'm not a lawyer and this is not legal advice.
1. LIQUIDATION What can brokers do in the worst case when they encounter major problems? For example, say there are unexpected events in the market due to stocks with idiosyncratic risks... Most brokers can just liquidate your position; it's in the client agreements.
➔ Fidelity
The Customer Agreement of Fidelity is the most traditional, and does not seem to have changed significantly since January 2021. Fidelity has the right to discharge your obligations, but only if your account has these "obligations" in the first place (e.g. insufficient debit or failed margin): [3]
Resolving Unpaid Obligations or Other Obligations
[...]
It is important to understand that we do have additional choices for resolving unsatisfied obligations. Like many other securities brokers, we reserve the right to sell or otherwise use assets in an account to discharge any obligations the account owner(s) may have to us (including unmatured and contingent obligations), and to do so without further notice or demand. For example, if you have bought securities but not paid for them, we may sell them ourselves and use the proceeds to settle the purchase.

➔ Interactive Brokers
In contrast, IBKR's agreement is much more general and it grants itself the permission to liquidate any position or asset: [1]
16. Liquidation of Positions and Offsetting Transactions
A. CLIENT AGREES THAT IBKR HAS THE RIGHT, IN ITS SOLE DISCRETION, BUT NOT THE OBLIGATION, TO LIQUIDATE ALL OR ANY PART OF CLIENT'S POSITIONS OR ASSETS IN ANY OF CLIENT'S IBKR ACCOUNTS, INDIVIDUAL OR JOINT, AT ANY TIME AND IN ANY MANNER (INCLUDING BUT NOT LIMITED TO PRE-MARKET/AFTER-MARKET TRADING AND PRIVATE SALES) AND THROUGH ANY MARKET OR DEALER, WITHOUT PRIOR NOTICE OR MARGIN CALL TO CLIENT IF AT ANY TIME [...]
The previous Client Agreement from IBKR also gave itself the right to liquidate your position, but as you'll see in the next section, the conditions have changed in their favour.

➔ DeGiro
In DeGiro's Client Agreement, there are more information how they would carry out a procedure in case there's a deficit in a certain stock (e.g. assuming there aren't enough shares). There is more detail in this contract because Europe has stronger regulations, and DeGiro had legal challenges from the Dutch financial authorities — see Research Report on DeGiro B.V. with regard to supervision of compliance with the Financial Act Supervision by the Autoriteit Financiële Markten (AFM) in Dutch — spanning multiple years about DeGiro's management of risk. Here's the relevant section: [2]
18.1.1. Pro rata division of deficits
As long as there is a deficit which has not been allocated to one or more clients, the following applies in order to protect the clients of DEGIRO: if there is a deficit in a certain currency or in a certain Financial Instrument, which DEGIRO and SPV holds for the account and risk of the clients of DEGIRO, then DEGIRO will be entitled to divide this deficit over all clients of DEGIRO for whose account such currency or Financial Instrument is or should be held, pro rata to the total position of such currency of Financial Instrument that should be held for each of them.
What does this mean? If DeGiro becomes aware of a "deficit" as it's no longer possible to secure necessary shares (e.g. the float is locked and they'd fail to deliver), DeGiro would spread out the losses proportionally over every customer that owns GME. So, based on how many GME shares are missing, the difference would be split based on how many shares you theoretically owned before the deficit.
2. CONDITIONS Now let's look at the conditions under which the brokers would be allowed to perform those liquidations. When can they liquidate accounts? Since the events of January 2021, these conditions have become much more broad.
➔ Interactive Brokers
16. Liquidation of Positions and Offsetting Transactions
A. CLIENT AGREES THAT IBKR HAS THE RIGHT, IN ITS SOLE DISCRETION, BUT NOT THE OBLIGATION, TO LIQUIDATE ALL OR ANY PART OF CLIENT'S POSITIONS OR ASSETS IN ANY OF CLIENT'S IBKR ACCOUNTS [...], WITHOUT PRIOR NOTICE OR MARGIN CALL TO CLIENT IF AT ANY TIME:[...]7. IBKR DETERMINES (IN ITS SOLE DISCRETION) THAT LIQUIDATION IS NECESSARY OR ADVISABLE FOR IBKR'S PROTECTION.
In the case of IBRK, if there's the need to protect the company, it has the right to liquidate your positions or assets. This is clause that was rewritten since January 2021 as it was previously similar in scope to Fidelity's to "meet margin requirements" or is "in deficit" (see IBKR Client Agreement from 2021/01/28 on archive.org). Speculation: these new additions in the contact result of internal risk management procedures setup based on Thomas Peterffy's assessment of the situation and the risk involved (Peterffy: Markets Were 'Frighteningly Close' to Collapse Amid GameStop Turmoil).

➔ DeGiro
18.1 Deficits
It may nonetheless occur that at a given moment there is a deficit in money in a certain currency or in certain Financial Instruments that SPV holds for the clients of DEGIRO. This could for instance be caused by an error of DEGIRO, a custodian or a prime broker.
For DeGiro, even if they make a mistake or if their prime broker makes a mistake that leads to a deficit (e.g. selling synthetic shares), they claim the right to divide those deficits pro-rata among its customers as per clause 18.1.1 above. The customers are effectively expected to pay for those errors.

3. LIABILITY So brokers claim the rights to liquidate your position or divide the deficit pro-rata in case there are problems in the markets. Who is liable for the losses or damages? Legally, brokers claim they are not responsible for any losses relating to this. There is theoretically coverage for losses, but they may not apply in this case...
➔ Fidelity
In the case of Fidelity, the customer agreement specifies conditions when they are responsible: [3]
Limits to Our Responsibility
You therefore agree that we are not responsible for any losses you incur (meaning claims, damages, actions, demands, investment losses, or other losses, as well as any costs, charges, attorneys’ fees, or other fees and expenses) as a result of any of the following:[...]
• occurrences related to governments or markets, such as restrictions, suspensions of trading, or high market volatility or trading volumes
uncontrollable circumstances in the world at large, such as wars, natural disasters, power outages, unusual weather conditions, or government restrictions
What's relevant here? These conditions include "high market volatility", "suspension of trading" and "government restrictions". In these cases, Fidelity claims it would not be responsible.
For Fidelity, there's coverage of $500,000 provided under the SIPC (see Safeguarding Your Accounts from their FAQ), however, this likely would not apply in case of intentional liquidation under the conditions above:
"SIPC protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash. Most customers of failed brokerage firms are protected when assets are missing from customer accounts."
In the case of another GME price spike, brokers would apply the contractual clauses described above and they would neither have "failed" nor become "financially-troubled" — so I personally believe SIPC coverage may not apply in this case. (This is my current understanding, but requires further research.)

➔ Interactive Brokers
The IBKR client agreement is very specific about liabilities in connection with liquidation: [1]
CLIENT SHALL BE LIABLE AND WILL PROMPTLY PAY IBKR FOR ANY DEFICIENCIES IN CLIENT'S ACCOUNT THAT ARISE FROM SUCH LIQUIDATION OR REMAIN AFTER SUCH LIQUIDATION. IBKR HAS NO LIABILITY FOR ANY LOSS SUSTAINED BY CLIENT IN CONNECTION WITH SUCH LIQUIDATION (OR IF IBKR DELAYS EFFECTING, OR DOES NOT EFFECT, SUCH LIQUIDATION), EVEN IF CLIENT RE-ESTABLISHES A LIQUIDATED POSITION AT A WORSE PRICE. CLIENT SHALL REIMBURSE AND HOLD IBKR HARMLESS FOR ALL ACTIONS, OMISSIONS, COSTS, FEES (INCLUDING, BUT NOT LIMITED TO, ATTORNEY'S FEES), OR LIABILITIES ASSOCIATED WITH ANY SUCH LIQUIDATION UNDERTAKEN BY IBKR.
Like for Fidelity, there's also coverage by SIPC up-to $500,000 (see Information Regarding SIPC Coverage), however I currently believe it wouldn't apply in the case of an intentional liquidation of a subset of the account and not the complete failure of the brokerage firm. (As above, this requires further research.)

➔ DeGiro
Again, DeGiro's clauses on liability are much clearer — likely because of the aforementioned litigation with the AFM. Here are the details from the client agreement: [2]
25.2 Liability
DEGIRO accepts liability for damage caused by its actions or failure to act. The liability of DEGIRO is limited to damage which is the direct and foreseeable result of the gross negligence or wilful misconduct of DEGIRO (in Dutch: opzet of grove schuld).
However, holding DeGiro liable would require proving that the broker did indeed act with gross negligence or wilful misconduct as written in the agreement. Which leads into the next section...
4. REMEDIES So what can you do? Try to determine if your broker is handling the situation with due care, and collect all the information you can about this before the problem happens. Not only do you have the right to do this (e.g. first send an email to ask and then follow-up with legal notices), but you also may be required to do legally and/or contractually.
➔ Fidelity
For example, you will need to contact Fidelity the moment there's a problem anyway: [3]
Monitoring Your Account and Notifying Us of Errors
You agree to notify us immediately if:
[...]
• there is any other type of discrepancy or suspicious or unexplained occurrence relating to your account
[...]
If any of these conditions occurs and you fail to notify us immediately, neither we nor any other Fidelity affiliate will be liable for any consequences. If you do immediately notify us, our liability is limited as described in this Agreement.
Since you must notify brokers of problems when they occur, you might as well contact them beforehand to clarify foreseen problems too. For example, you can ask them how they are managing the risks knowing that liquidity is dropping and volatility is increasing. What have they done to ensure your shares don't fail to deliver? Can they provide documentation of what actions they took to secure your shares? These are questions you have the right to ask then keep documents with the answers.
CONCLUSION NOTE: This part is more speculative, extrapolating based on the facts and evidence presented above.
Brokers are well prepared to handle anything GME could throw at them without flinching. In the worst case, their customers would likely end up with losses that brokers won't cover. There's an increasingly strong contractual basis for this, and regulators won't be able to do anything unless consumers demand their rights to be enforced — and take the necessary legal measures now in anticipation for this.
As a consequence, this effectively becomes a two-tier system: 1) GME holders who managed to DRS will get paid accordingly as they exit when the price increases, and 2) GME holders who are stuck at the whim of their brokers may get liquidated at any time according to the agreements they signed.
No ape left behind? Really? How?
Unless we take action to hold all brokers accountable, people who are stuck with uncooperative brokers and unable to DRS may end up with little or nothing!
I believe shareholder activism is another solid way forward to deal with brokers. Take the same energy that you put into GME and do the same for your broker! More about this in another post...
submitted by iownbrokers to DDintoGME [link] [comments]


2021.11.29 13:50 Service-Neat Reptiles has too much utility and defense

Their -10 shield nerf was useless as now they can have higher shields than their own life, and better shields than plants while still doing tons of dmg and stunning.
submitted by Service-Neat to AxieInfinity [link] [comments]


2021.11.29 13:50 Jonny__19 My Asura

My Asura submitted by Jonny__19 to GuildWarsDyeJob [link] [comments]


2021.11.29 13:50 Shartladder It pays to be prepared

It pays to be prepared submitted by Shartladder to Superstonk [link] [comments]


2021.11.29 13:50 Unknown_Mando Conducting an internal Pentest (everything a beginner needs to know)

Hello, student/intern here.
I am trying to get some information about internal or testing.

  1. What access do I need to be given to conduct the pentest?
  2. First steps to conduct in the pentest?
  3. Recommended tools
As you can tell I am a complete novice to this, any advice/guidance is greatly appreciated.
submitted by Unknown_Mando to Pentesting [link] [comments]


2021.11.29 13:50 Prior_Relationship28 What do you think of this?

What do you think of this? submitted by Prior_Relationship28 to Scotland [link] [comments]


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submitted by coljavskiyi to CryptoMoonCoins [link] [comments]


2021.11.29 13:50 BohemianProfessor So I’m a beginner to Civ 6….

Hey I’m sure you’ve probably been asked before, but can someone please give me a simple breakdown of how to actually PLAY the game? I’m sure I’ll learn all the complicated mechanics with time, but right now the game seems really interesting to me but I’m struggling to navigate all the mechanics and gameplay, despite having loved watching other people play the game on YouTube for many years…
submitted by BohemianProfessor to Civilization6 [link] [comments]


2021.11.29 13:50 ShortAlgo Awaiting Buy signal on $GL https://t.co/YR1e0VOSdW

Awaiting Buy signal on $GL https://t.co/YR1e0VOSdW submitted by ShortAlgo to UltraAlgo [link] [comments]


2021.11.29 13:50 PsychologicalSand670 Poison Dagger with Scythes Question

Does anyone who played closed beta know if the changes to poison dagger include all polearms or just scythes and if the latter then which items specifically are considered scythes? Like could I use a reapers toll with it? Can I run RW in any polearm? Seems odd to restrict options within a specific class of weapons and I was hoping to theorycraft.
submitted by PsychologicalSand670 to ProjectDiablo2 [link] [comments]


2021.11.29 13:50 sum_dude John Brown

John Brown submitted by sum_dude to IndianCountry [link] [comments]


2021.11.29 13:50 Darthvaderisyodaddy Guys I think that Phallus guy was really on to something

Guys I think that Phallus guy was really on to something submitted by Darthvaderisyodaddy to yourmomshousepodcast [link] [comments]


2021.11.29 13:50 wowitskatlyn I Have To Do This Tour time?

What’s the runtime for the show? For the showing where I live the doors open at 7 and the show starts at 8 so roughly what time should it be over?
And if you get the VIP tickets with early access, what time would you be there? Will it tell you on the tickets?
submitted by wowitskatlyn to CrankGameplays [link] [comments]


2021.11.29 13:50 Kelmo7 Thanks, I hate when the tree has to be protected

Thanks, I hate when the tree has to be protected submitted by Kelmo7 to TIHI [link] [comments]


2021.11.29 13:50 The_American_Skald Who wants to help me put together a semi-viable "mountaineering" theme team?

I'm a pokemon player who loves his themed teams, which also seems to mean I'm doomed to mediocrity in competitive. One of my favorite things about SwSh is how the setting lends itself well to an outdoorsy/hiking/mountaineering character due to the emphasis on the wild in the game. I also have the itch to start trying my hand at some competitive, so I would like to keep my theme as much as possible while also being able to hold my own in at least mid-low tier battles (I'm a PhD student so I don't have the mental bandwidth to go hard at competitive pokemon). So, with the theme being established as a mountaineering team, here are my personal favorite mons to pick from for the team:
Pokemon I really want to keep on my team: Arcanine, Mudsdale, Abomasnow, Beartic (I like the synergy of slush rush and aurora veil between these two), the rest are open to be either:
Drednaw, Braviary, Glalie, Oranguru, Flygon, Toxtricity (I know not really on theme, but as a metalhead I'm obligated to love this guy), Noctowl, Mamoswine, Pangoro, Skuntank, Excadrill, Weavile, Darmanitan, Boldore.
Oh, almost forgot: I'll be doing doubles! I also see some potential for trick room with Oranguru if I don't go the slush rush route with beartic. Abomasnow, Mudsdale, Toxtricity, and Darmanitan could all be good pokemon for taking advantage of trick room?
For general roles:
Arcanine is of course my reliable fast attacker utilizing Flare Blitz, Extreme Speed, Will o Wisp, and Protect.
Mudsdale is a tanky heavy hitter with Body Press, Heavy Slam, Earthquake, and Strength.
Abomasnow is also a heavy hitter with Blizzard, Ice Punch, Grass Bomb, and gives some protection with Aurora Veil
Beartic has great coverage and with the speed given by slush rush he can deal out some pretty quick and heavy damage. If he's really not viable, I'd also be more than happy to replace him with Drednaw!
So that's my challenge for the stunfisk crowd: help me make a decent mountaineering team out of these pokemon :) If I had it my way I would really play into the ice typing but I'm at least knowledgeable enough to know an Ice heavy team is defensively terrible. I at least like the abomasnow/beartic combo and I gotta keep my good boi Arcanine. Mudsdale has been wrecking face for me in the gym challenge as well.
submitted by The_American_Skald to stunfisk [link] [comments]


2021.11.29 13:50 RulingFieldConfirmed The Dogelon website was updated - looks awesome!

The Dogelon website was updated - looks awesome! submitted by RulingFieldConfirmed to dogelon [link] [comments]


2021.11.29 13:50 Cumulumbus Godišnji odmor stari

Do kada se mora potrošiti godisnji odmor? I kakav je zakon općenito?
submitted by Cumulumbus to croatia [link] [comments]


2021.11.29 13:50 simmermayor I have no words...

submitted by simmermayor to seventhsub [link] [comments]


2021.11.29 13:50 lorenzolodi Elite Soldier N?

guys as most of you can understand I'm scraping the bottom of my barrel for every last CC I can find, and this includes old ass missions I didnt feel lie doing. I noticed in the process that Elite Soldier N doesnt have boost units for Z Power anymore. both the first and second set aren't working. Is there a third done I'm missing? There's nothing in the News. I don't intend on spending 2000+ energy to get him to red 4.
submitted by lorenzolodi to DragonballLegends [link] [comments]


2021.11.29 13:50 thisisausername10000 A strong cultural difference

As an American it is always pretty shocking to hear a certain word (you all definitely know what it is) said so commonly here, if you said that word to any typical American you would definitely be stared at and met with a possibly violent reaction, obviously cultured differ and no hate to using it, it's just crazy how different the context/offensive nature is between countries
(Also if you don't know the word it rhymes with Punt)
submitted by thisisausername10000 to ireland [link] [comments]


2021.11.29 13:50 HashuGP Thread: Hot Deals:: Le Havre (The Harbor) iOS $0.99

Thread: Hot Deals:: Le Havre (The Harbor) iOS $0.99 submitted by HashuGP to hashugp [link] [comments]


2021.11.29 13:50 ShortAlgo Awaiting Short signal on $GLBE https://t.co/pn8a2T1cYn

Awaiting Short signal on $GLBE https://t.co/pn8a2T1cYn submitted by ShortAlgo to UltraAlgo [link] [comments]


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