Opinion on bringing alcohol to a first date?

2022.01.27 05:06 antman4488 Opinion on bringing alcohol to a first date?

I’ve met a girl online recently and we planned to meet up this weekend and watch a movie at her place. She agreed to provide some food, but I feel like I should at least bring something small as well. Is a bottle of wine adequate? I don’t want to make her feel uncomfortable or be weird in any way, or mainly just seem like I am trying to get her drunk. If asking to bring alcohol is not the way to go I’m sure I can find something else she’d like. This is my first time doing something like this so I am unsure of the social implications of it. Thanks!
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2022.01.27 05:06 rw070797 Job interview

Hi fellow aerospace engineers,
I will have an interview as an associate airline system engineer in the next few days. I already prepared some behavioral questions but still extremely scared since it's my first official interview after college! Hope I can some pointers! Wish me luck!
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2022.01.27 05:06 Det_Steve_Sloan E-100 in Turning Point: Fall of Liberty (2008)

E-100 in Turning Point: Fall of Liberty (2008) submitted by Det_Steve_Sloan to TankPorn [link] [comments]


2022.01.27 05:06 RiP___ VOIVOD - Synchro Anarchy(NEW SONG)

VOIVOD - Synchro Anarchy(NEW SONG) submitted by RiP___ to progmetal [link] [comments]


2022.01.27 05:06 codingstr_ I broke my kill record with M762

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2022.01.27 05:06 kitchencupcake1 Calgary police say stabbing attacks on three homeless individuals a hate crime

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2022.01.27 05:06 One-Adhesiveness263 movie names but you have to slip "beans" into the name ill start "lord of the beans:the bean sets out"

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2022.01.27 05:06 Ok-Perception-5412 Let's Talk About The Fed

What Happened: To summarize yesterday's Fed meeting, they plan to raise interest rates in March. In a move that came as little surprise, the Fed’s policymaking group said a quarter-percentage point increase to its benchmark short-term borrowing rate is likely. Powell said there is quite a bit of room to raise interest rates without affecting the labor market.
Market Reaction: Markets were up nicely prior to Powell speaking, but quickly sold off as concerns over inflation rage on. Uncertainty remains regarding how many rate hikes will occur in 2022, how much rate hikes will be and the tapering of their asset purchases. For these reasons, the market quickly retreated.
What's Next: The 10 year Treasury rose to 1.85% after the Fed meeting. This means interest rates are again going to rise for mortgages. I have seen on some sites rates for a 30 year fixed are now at 3.75% (better credit and more down payment can still get you a better rate). I expect the 10 year Treasury to remain around 1.85% until the Fed meets again in March.
What About Rocket (UWM and LoanDepot are talked about later in this post): Let me begin by stating this is a complex issue with many variables. So, we knew rates were going to rise in 2022, but we didn't know exactly when, how many times, or by how much. While some of those components remain unclear, we have a better idea today than we did a week ago.

Market Leader or Follower: This is the year we will find out if Rocket is the market leader they have been claiming to be since going public, or are they actually a lot more similar to their peers? Just to recap in 2021 they created several new partnerships, most notably the partnership with SalesForce to offer Mortgage-as-a-Service to banks and credit unions. They also, launched Rocket Auto, grew Rocket Homes, announced Rocket Solar and invested heavily into their RocketProTPO wholesale channel. Lastly, they acquired FinTech platform Truebill giving them access to 2.5 million clients to give them more data on consumer spending habits, finances, and to keep them engaged when they are not ready to buy a house, or don't need to refinace. Are these new verticals going to be able to contribute serious growth to the bottom line to make up for the lower mortgage orgination volumes? I do think Rocket was strategic in getting these items up and running during 2021 so they can contribute at scale in 2022 as they knew this day was coming.
3 Things to Consider:
1. I think one of the major elephants in the room is MSR. All of the CEOs of the mortgage companies have said as rates rise, MSR values will rise. However, we don't know to what extend. We should find out soon during their Q1 guidance as rates have risen substantially already. Is the market underestimating the potential "positive" impact of MSR value increasing?
2. Jay Farner said, "So we have the resources to go out and spend and grab market share, when others are reporting the fact that they're not earning money right now, and as rates rise, that'll become even more challenging for them. We deploy those resources. We grab the market share and we know that's not just the origination revenue we're earning this time around, but it's that lifetime value that we continue to add to our platform." - Goldman Sachs Conference December 2021. Will Rocket be able to grab more market share because rates are rising? Will the industry put too much pressure on smaller companies and cause a consolidation in the mortgage industry?
3. Are we all wrong? I am not talking about Rocket specifically here, I am talking about all mortgage stocks: Rocket, United Wholesale Mortgage, and LoanDepot. Seriously, are we all wrong? Each group of investors believes their stock is superior for one reason or another, but yet we all trade the same way. Not one of these 3 has been able to significantly differentiate themselves enough from the competition. Are we expecting too much from the mortgage industry going forward? Even if your company gains a full 1% market share in 2022 is it going to be enough to justify a significant appreciation in share price? All 3 of these CEOs have called their stocks undervalued, all 3 CEOs have said they will show they are less cyclical than the other companies, all 3 CEOs have said they want to provide long-term shareholder value, all 3 CEOs have said they care about investors and about doing the right thing. However, not a single CEO has taken corrective action! I think Q4 2021 earnings calls will be extremely interesting to see how the CEOs address their stock price as all 3 companies will be reporting at or near all-time lows.
My Advice To Anyone: Regardless of whether you are in Rocket, United Wholesale Mortgage, or LoanDepot if your CEO does not take corrective action during their Q4 2021 earnings calls, then I believe it is all time for us to admit we were wrong and take our losses and move on. The CEOs need to stand up and say listen, we are absolutely disgusted at these prices, so we are going to do:
  1. For all 3, authorize more buyback but on a very short time frame. For example, we have authorized an additional $200 million of stock buyback which will all be used in the next 30 days!
  2. For UWM and LoanDepot, maybe an increase in dividend? Just saying you are getting a dividend has done nothing for your stocks. It hasn't mattered what the yield is (5%, 6%, 7.5%). I have read comments of people saying they will break-even in 11 years with just the dividend alone... seriously? Nobody deserves that kind of pain just to break-even.
  3. For Rocket, I don't personally believe a regular dividend will help much as UWM and LoanDepot have been providing one with a good yield and it has attracted no additional buying interest or stability. My vote, huge special dividend! You have the cash, give us another $1.11 special dividend again to let people know you are making a lot of money and not afraid to give back to your investors.
  4. For all 3, just take an absolute hard stance for your investors and ether every analysts out there and explain how long your company has been in business, how much money they are making, how many American jobs they are providing, how companies who have never made an actual $1 in net profit are being valued higher than them and how the market is no longer valuing companies that are profitable. Just take a F*CKING stand for your investors. Show some support, show some love, show some true value.
An Olive Branch: I have said some awful things to UWM and LDI investors. But, I offer you this olive branch. No matter how much due dilligence any of us put out, we are all in the same boat. Rocket, UWM and LDI =dog poop (so far). Every one of us has been wrong. We are all in the dog house. However, I think we all need to seriously consider dumping our shares if Q1 guidance is not good. I already made a post that shows all 3 of these stocks will meet or beat Q4 2021 earnings. That is not a concern. The concern is going forward. If our CEOs do not take a stand, then how can any of us continue to belive and trust in them going forward? Seriously, I know many of you are like me and have been in since IPO or pretty close to IPO. We keep having hope, we keep finding little nuggets to share with others to support our ideas, but maybe we are wrong about these stocks. Obviously I hope the best for whatever stock you have chosen. We have been beaten, rag-dolled, stomped on, and left out by the trash can by our CEOs. If they aren't able to change the narrative during their upcoming earnings calls, then why are we staying? It is like being in an abusive relationship at this point, we trust they will change and soon the story will change, but it continues to be the same old story. Down, down, down, down, down and down some more. Before any of you comment, but the whole market is down... keep in mind, when the market was ripping to new highs last year we were all going lower. We never got to run with the market and experience 20%-40% gains like most stocks, but yet we are selling off even more along with all those other stocks. So, they are returning to neutral while we are down 40%+++ from IPO levels.
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2022.01.27 05:06 Cardinal900 Sans and Papyrus

Sans and Papyrus submitted by Cardinal900 to Deltarune [link] [comments]


2022.01.27 05:06 ApelXir Serotonin Syndrome? Dxm combo

Second time trying the benzedrex, have to say it’s underwhelming for me, as I have stim tolerance and it just leaves me tweaky. Had Two cotton through the morning and afternoon, towards the evening had half a delay bottle and 15-20 red gels. Bad Idea I’m guessing. I fell asleep pretty early but I don’t remember when, and woke up at 2pm! Damn, and I just felt so ducking wierd, like I had extreme vasoconstriction still, and a super tight chest, my heart rate was fluctuating a lot as well. I don’t believe my symptoms are too severe, as I already feel better. Any advice on what I should stay away from next time?
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2022.01.27 05:06 bitcoinDKbear Johan Fredrik Eckersberg - 1868 - Fra Kviteseid

Johan Fredrik Eckersberg - 1868 - Fra Kviteseid submitted by bitcoinDKbear to scandinavia [link] [comments]


2022.01.27 05:06 StepReferal 💸Easy $5 dollars from Envel💸

CLICK HERE
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2022.01.27 05:06 ChocolateChip2019 [HELP] Creating a valid SAME header with more than one location

So, the only part I need help with, is trying to generate a valid SAME header, to make it seem more authentic. But the problem is, the online tool that I use only supports one region per alert. Is there a website I can go to, or a program I can install, that can generate a header like this, that supports more than one location?
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2022.01.27 05:06 Specialist-Idea-5396 Hopefully MacKinnon will be fine

I just hope he will recover
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2022.01.27 05:06 raaner12 Binance regalará la criptomoneda Anchor Protocol, creada en la blockchain de Terra

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2022.01.27 05:06 Kaze_Senshi o roteirista da série do nosso país é imbatível

o roteirista da série do nosso país é imbatível submitted by Kaze_Senshi to brasilivre [link] [comments]


2022.01.27 05:06 ToniaKidwell KuCoin Referral Code QBSSSM9T for 30% Discount on all your trading fees for life - new users can also claim a $500 USDT bonus

Kucoin is an amazing crypto exchange! Join today using the referral link below and get 30% discount on all your trades for life! Plus KuCoin lets you earn free USDT with its learn and earn reward programs! You can use the refer code QBSSSM9T at signup screen (copy and paste into referral code box) or use the direct links below!
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2022.01.27 05:06 Gods_Shadow_mtg Most coins are not going to make it - but services are

So, let me begin by saying this scenario is likely years out and won't happen over night, but I strongly belief that we are going to see a convergence in crypto at some point. Also, we assume that Crypto is going to succeed in this scenario and is being integrated into realfi.
"Crypto right now is the wild west."
You might have heard this phrase before and it actually is closer to the truth than one would think. Within the development phase of the US, the trek to the west coast with its exploration and settlements in hostile territory, indicated the real expansion phase. Due to limited means of communication & transportation, the populous was pretty fractured and had its own rules for the most part, including their own, private currencies. life was tough, but land was cheap and of course there was the gold rush.
I think it's a great analogy for where we are with crypto as a whole right now and let's us attempt to look into the future. All of our current L1 are their own somewhat isolated settlements with a couple of bigger, more orderly towns such as ETH at the coast lines where most of the new settlers arrive.
Since nobody yet knows which pieces of land will be most valuable, it still is a gamble to a certain degree and those who are part of the goldrush (i.e. memecoins) get burned for the most part yet some make a fortune of it.
As for the issuance of private currencies, I believe that to this day US banks are allowed to issue their own currencies, yet none of them do. Everyone is using the US dollar and for good reason, as people cannot differentiate between which of 1000 currencies is trustworthy and which is not.
I fully expect this to happen in Crypto as well. There are a multitude of great projects of which some will be successful with their own currencies but most will have their tokens be devalued into the ground despite providing decent services or in the case of AAve the token just being there for governance etc.
So what will happen? Most successful services will allow for users to purchase / mint / provide collateral in a multitude of currencies. As users will always go with the most risk averse baseline currencies in terms of devaluation risk this will slowly but steadily reverse the trend we are currently seeing and have the industry converge towards a handful of payment currencies. Which means that most coins / tokens will compelety disappear.
It is also very natural from the protocol / company side of things as they want a) their holdings to maintain value and b) their services to be used in order to genrrrate revenue.
There are clear front runners to fill this job like BTC and ETH but I assume that we are going to see a Crypto pegged stablecoin at some point which basically derives it's value from the overall value of the Crypto industry - a bordeleas currency so to speak. Which would also make sense as you could have the inflation rate be 1to1 with the industries growth and therefore never lose purchasing power.
I know this is pretty wild but i wanted to share my thoughts on it.
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2022.01.27 05:06 MILITARY_SOURCE "Can God Fill Teeth?" by LARD describes a flyer. Been thinking about what it would look like for 30 years. Finally made it.

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2022.01.27 05:06 maricrisD Be ready for great momentum! vEmpiredigital will join sandstormmeetup today THURS 12PM EST/5PM UTC Mr. Dominic Ryder Ceo of #vempire will talk about their organization, & how it has a hand in all aspects of #web3 from #PlayToEarn game development,to guilds,to even investing.

Be ready for great momentum! vEmpiredigital will join sandstormmeetup today THURS 12PM EST/5PM UTC Mr. Dominic Ryder Ceo of #vempire will talk about their organization, & how it has a hand in all aspects of #web3 from #PlayToEarn game development,to guilds,to even investing. submitted by maricrisD to Metaverse_Blockchain [link] [comments]


2022.01.27 05:06 IngoHeinscher Has Olexij Danilow really said he seees no reaso for invasion?

In an Austrian paper, a report claims that Olexij Danilow, secretary to the Ukrainian National Security Council, had said that "we have no hints for an imminent attack". Has he actually said that? Could anyone confirm or deny this report?
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2022.01.27 05:06 Gullible-Contract-74 Biscuits with the boss (I’m still learning pls be nice 😅😅)

Biscuits with the boss (I’m still learning pls be nice 😅😅) submitted by Gullible-Contract-74 to TedLasso [link] [comments]


2022.01.27 05:06 NewsElfForEnterprise Overhaul Strengthens Supply Chain Resilience & Integrity Throughout Microsoft Azure Ecosystem

Overhaul Strengthens Supply Chain Resilience & Integrity Throughout Microsoft Azure Ecosystem submitted by NewsElfForEnterprise to News_Microsoft [link] [comments]


2022.01.27 05:06 glavenopolis Got a little pupper today. Tilly the Kelpie cross Collie.

Got a little pupper today. Tilly the Kelpie cross Collie. submitted by glavenopolis to rarepuppers [link] [comments]


2022.01.27 05:06 TomBoddy1 LOOKING FOR A PEGAXY MANAGER

Hi, my name is Tom. I am 21 years old, into NFT gaming and investing, i am looking for a manager to give me a scholarship in pegaxy, i am available all hours and will grind. Please get back to me:)
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