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Neonmoon

Burnt Ends
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Posts posted by Neonmoon

  1. 1 hour ago, TwiceHorn said:

    I applaud the gymnastics to get here and hope they succeed. But they are gymnastics that make this legally probably the weakest case against Trump of all of them (as opposed to factually). 

    Trump going to prison on a trumped up charge is perfect. 

    • Hook 'Em 2
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  2. Just now, tbone_ said:

    Ok I have a legal question I’ve never understood. Explain it to me like I’m 15:

    Forget that this Trump for a minute. Why does a DA care if some guy pays some ho to shut the fuck up? I keep reading about “falsifying business records”. I get that he called the payment a legal fee but to who? Who were these business records certified to that falsifying them makes it a felony? I mean I can call my ho payments whatever I want in my Quicken app and the DA wouldn’t care.

    Don’t get me wrong, I detest this cunt as much as anyone. But this one has alway felt like a reach from a criminal legal perspective to me. What am I missing?

    The DA doesn’t care he paid a porn star money. They care he falsified business records to cover up a crime. 

    Quote

     

    Prosecutors say that 11 checks were doled out for this spurious purpose – and that Trump signed nine of them; the Trump Organization processed each of these checks “disguised as a payment for legal services rendered pursuant to a non-existent retainer agreement”.

    Trump’s alleged passing off hush-money payouts as remittance for legal work “made and caused a false entry in the business records of an enterprise”, prosecutors say in the counts of his indictment. This was done, they say, “with intent to defraud and intent to commit another crime and aid and conceal the commission thereof …”.

     

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  3. 2 hours ago, aggie08 said:

    Man, I have less than zero sympathy for anyone losing their ass on Truth Social.

    I have some (exceptionally little) sympathy for people still planning on voting for him because of decades of Fox News and disinformation rotting their ability to find nuance in literally anything. And because a not insignificant percentage of my family and friends fit in this group.

    But even they realize by now that money spent on anything Trump related ain't going anywhere useful. Those people are too dumb to function in our society.

    Americans celebrate stupidity. We are finally seeing consequences of that. 

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  4. 2 hours ago, 956 Worldwide said:

    This is ONE initiative that we are not participating in and so crapping on it unearned.  It is easy to find which nations are really in this fight. 

    image.thumb.jpeg.36c7f5dd2e159bfa347e587fe1d9cf4e.jpeg
    The United States isn’t on the screen, we are below Canada and Bulgaria.

    Instead of asking why poorer Eastern European nations don’t wreck their economies and build factories they wont need, you might ask why we have such reluctance to even match a country like Croatia or officially neutral Switzerland since at scale that’s far more useful. I realize this is reality crashing into preferred political rhetoric but on something like this shouldn’t reality win? 

    Yes, but what if I posted these metrics not scaled to GDP? That might help stupid people think my argument has merit. 

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  5. 3 hours ago, LCHorn said:

    I don't want purport that I'm some master salesmen but I've had a lot of training and trained up a team of my own and I'd like to think they were pretty good at executing my vision. 

    A sales coach will rebut that pricing with "sell them service".  I have tried all kinds of different scripting and I bet it works about 10% of the time, and we have basically built our entire business on supporting a service model over pricing.  I've even table-set by saying "this should be very competitive pricing but if you find something better let's chat on it.", in the hopes of getting a chance to match.  I'm sure you did that, too, because the borrower told you about it and didn't ghost you. 

    CSB: I lost a deal two years ago that still stings--jumbo, I connected well with the borrower, he's a new dad (same as me at the time), sent him a Berenstein bears book after our initial phone call, etc.  He's talking to me and the highest production team in Austin (his agent referred both of us) and I loved competing against them because I respected them (they didn't make promises they couldn't keep). 

    Anyway, our pricing is very similar and they cut him a deal that I could match but their LO got their first, and he gave them a verbal commitment.  I didn't have any more margin left to give up and couldn't do much but sell him on service after that loan closed, which didn't work work (probably doesn't help that by that point I usually feel like I'm begging). 

    Fast forward a few months and our bank is appearing insolvent, my partner and I are looking for a place to land and we've got two options under consideration--a bank that's been purchased by some of our former peers and promises no LLPA's, at least on investment properties (which at the time, a lot of our investors were California engineers, southeast Asian or Asian, and ruthless shoppers, so it's be cheapest or lose the business) and the Austin IMB that we lost that jumbo deal to. 

    We're interviewing/being interviewed by the bank president/owner and I brought up that loan (which was originated by his most accomplished LO on his team) and he said "Yup, I'll tell you a secret about her--she's very transactional.", i.e., she understood that bottom-line, if you find yourself competing on price don't fuck around, get to the LOWEST you can stomach right off the bat.  Win it or lose it and move on.  I can get way too precious about trying to maximize profit and it's a bad strategy in that particular contest. 

    Back to you, I'm sure doing this already but don't forget to sell him the refinance, but you're going to have to match the rate and maybe beat it. 

    Always appreciate the feedback. But yeah, if I know I'm competing, I drop my shorts all the way down. It's the best strategy. I've also found that when there's a huge change in pricing, people get sticker shock (very understandably). The shock usually equals looking around. It is what it is. As you know, when people are looking around, they either don't know what they're comparing or the sharks are offering fairytales to lure you in. Again, part of the business. Just frustrating when good service gets discarded like a prom dress. 

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