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2021.10.24 23:44 confusedBDSMclown Forget SIPC, DSR instead!
| I believe there is an underlying reason most apes don’t transfer and register their shares through Computershare. It’s not laziness, it’s not inability, or fear of missing out on the rocket as their shares are in the transfer process. It’s a false sense of security. They believe their shares are insured and their brokers are safe. But, they might be wrong….TLDR at the bottom as well as ingredients for the Sauce .|
Who is the SIPC?
*SIPC stands for: Securities Investor Protection Corporation.(B)
*On December 30, 1970, Congress enacted the Securities Investor Protection Act of 1970 (SIPA) to restore and maintain investor confidence in the securities markets through the creation of a customer protection program administered by SIPC.(B)
How do they restore and maintain investor confidence?
By creating and administering a fund that pays investors of failed broker institutions.(B)
Who pays for the fund, how big is the fund, when does the fund pay?
*In the past, assessments were paid by SIPC member broker-dealers.(B) Fidelity, Charles Schwab and J.P Morgan Chase are examples of SIPC member broker-dealers.
*Now the fund earns value through interest earned on SIPC’s investment of its funds and member assessments.(B)
* “In 2020, the assessment rate is .15% of members’ net operating revenues from the securities business.”(B) Note, the rate has varied across the years, but nevertheless, it is paltry.
*As of 2020, the SIPC fund stands at just over 3.5 billion, with a target set by the SIPC board to reach $5 billion.(B) Think about that for a second, the Archegos Capital Management implosion was over $20 billion alone.(P)
*The SIPC fund also “has a line of credit with the us treasury, which was raised after the Dodd-Frank Wall Street Reform and Consumer Protection Act passed in 2010.” But that amount is for $2.5 billion.(B)
When does the SIPC step in?
“SIPC administers a federal law, but it is not a government agency.”
How much protection does the customer of an SIPC member firm get?
“Each customer is protected by SIPC against the loss of missing cash and securities up to $500,000. Of the $500,000, up to $250,000 is available to replace missing customer cash.”(B) This is important, because if you sell you stonk for 50 million and your broker goes bust before you complete your 500 wire transfers, you are screwed. And yes, brokers have limits on how much money can leave your account over a set period of time.
Fidelity, our crown jewel, has this to say, “There is no limit to the number of EFTs you can submit per business day. The minimum amount for each EFT is $10, and the maximum amount per day is $100,000 for withdrawals, and $250,000 for deposits. Like EFTs, if you need to wire more than $100,000 in one business day, you can call our customer service line for assistance.”(Q) There will be limits people - LIMITS.
But what happens if a customer owns one share in six brokers, for a total of six shares. Is that customer safe for $250,000 x 6?
“Most investors receive their investments back within 1-3 months after their broker fails. It is important to note here that the SIPC covers your investments themselves, not their value per se. In other words, if you owned 100 shares of stock that were worth $50/share when your broker failed, but which fell to $30/share by the time the SIPC acted, you will get your 100 shares back at current market value.”(O)
In simple words, if GME reaches a disappointingly low value of $250,000 per share, but your broker fails before you sell your 10 shares. Then 1-3 months later you will get you 10 shares that you can then sell for, let’s say - $300 per share. Make no mistake, the SIPC will drag their feet to be able to buy your stock at incredibly low levels.
Ex-CEO of the SIPC, Stephen Harbeck, once stated, “We do not protect fraudulent projections of value. We ensure that investors receive the securities that they bought, and they have them.”(O)(R)
Oh, and did I say 1-3 months? It took the trustee almost 5 years to complete a 100% distribution to customers from the Lehman Brothers debacle. Lehman went under in 2008 and the complete distribution took place in 2013.(B)
MJK Clearing, Inc. liquidation started in 2001 and finished in 2005.(B)
You know what amount the SIPC would rather pay? Zero, or as close as possible.
Just look at the Allen Stanford Ponzi scheme . “The case marks the first time that the SEC, which oversees the SIPC, has ever filed a lawsuit against the nonprofit corporation to try and force it to start a court liquidation proceeding.”(K) How did the SIPC get out of paying out? “The law, SIPC argued, limits it to protecting customers against the loss of missing cash or securities in the custody of failing or insolvent SIPC-member brokerage firms. While Stanford’s Texas-based brokerage Stanford Group Company was a SIPC member, its offshore bank was not. SIPC also said it was not chartered by Congress to combat fraud or guarantee an investment’s value.”(K) Put in a different way, “In the case of Stanford, whose U.S. brokerage arm was a SIPC member, the agency argued that the securities in question — bogus CDs issued by a foreign bank — were not covered under the law. Thus, neither were the victims.”(M). That’s all the SIPC has to say, part of the broker wasn’t SIPC.
The SIPC will also reduce or delay you claim if you don’t file within the 30-60 day deadline, and deny it if you don’t file correctly within six months.(S)
If your records aren’t good enough, it will side with the broker’s records. Thus limiting the scope of claim.(S)
In addition, if a broker stops being an SIPC member, then the SIPC will only apply protection up to 180 days after the brokerage firm ceases to be a SIPC member.(U) So in the coming months, we may see some brokers quietly drop their SIPC membership.
Many brokers offer insurance on top of SIPC, right?
Fidelity: “Total aggregate excess of SIPC coverage available through Fidelity's excess of SIPC policy is $1 billion.”(T) That is not a lot of money. Remember, Archegos was over $20 billion.
“Within Fidelity's excess of SIPC coverage, there is no per customer dollar limit on coverage of securities,”(T) There is no per customer dollar limit on securities, but we know the piggy bank only has $1 billion so split lots of ways that is not lots of money.
“but there is a per customer limit of $1.9 million on coverage of cash awaiting investment. This is the maximum excess of SIPC protection currently available in the brokerage industry.”(T) $1.9 million may sound like a lot, but remember, the piggy bank is only 1 billion!
An important thing to note is that excess SIPC insurance is not provided by the SIPC, but rather by the broker (U). I smell fishy.
J.P Morgan Offers: No excess SIPC insurance. I may be wrong, let me know.
Charles Schwab offers: Up to $600 million in excess SIPC coverage.(W) Which is way less than Fidelity!
Robinhood(X): Up to $100 million aggregate coverage through Lloyd’s of London. Lloyd’s of London...I smell fishy.
Source (A): https://www.sipc.org/ (image of sipc logo)
Source (B): https://www.sipc.org/media/sipc-50th-report.pdf
Source (C): https://investorjunkie.com/reviews/fidelity/ (image of fidelity logo)
Source (D): https://globalnews.ca/news/4208975/scientists-transfer-memory-snail/ (snail image)
Source (E): https://www.bostonherald.com/2012/02/25/madoff-victims-blast-report/ (image of stephen harbeck)
Source (F): https://www.pri.org/stories/2012-03-06/allen-stanford-guilty-7-billion-ponzi-scheme (image of Allen Stanford)
Source (G): https://www.justhourglasses.com/products/5-min-glass-timer-with-natural-sand?sku=GWS083-1&adtype=%7Badtype%7D&utm_source=goog-shop&utm_medum=feed&utm_campaign=GWS083-1&dfw_tracker=17766-32067496935524/?&mtype=&net=u&dev=c&devmod=&creative=393995263833&kw=&place=&target=&pos=&adtype=&chan=online&prod=GWS083-1&gclid=Cj0KCQjwiNSLBhCPARIsAKNS4_cI_GI8AY80aVYC_A188FlyLgu70aCqvfUmnFGYBw3pySq7qGi-Np4aAnU_EALw_wcB (Hour Glass Image)
Source (H): https://money.com/parents-siblings-money-fights/ (image of fighting for money)
Source (I): https://twitter.com/computershare (computershare logo)
Source (J): https://www.mentalfloss.com/article/526919/10-things-you-can-do-pennies (image of a held penny)
Source(S): iffy source.
submitted by confusedBDSMclown to Superstonk [link] [comments]
2021.10.24 23:44 Aggressive-City4453 It was watching me from dusk til dawn
I lived in the panhandle of north Idaho, about an hour north was the Canadian border. I was in a fifth wheel trailer, I had bought and had it on the back part of my parents property. It was a heavily dense forest with trails thick with underbrush, and limbs blocking for the most part all of the trails, like nobody had been on them in years, no neighbors close by, the closest probably 3/4 of a mile down the gravel road from the driveway, my trailer was butted up next to the thick forest about a 1/8 mile from my folks place was a clearing up to the back patio where a motion light would come on with any movement even the wind, so out my window I could see most of the backyard when the light was on. I didn’t have an outside light. The first time I heard the weird noise it was 2017 around midnight on a cold november night I ignored it, then 10 minutes again a shriek like from a wounded animal like a cat being slain torn to pieces by a wolf or coyote. This caught my attention, thinking I know all the animals in the forest around here none make a sound like that almost as if it was a trick to lure unsuspecting things or people to there death. I have my blind in my bedroom up window open it was quite warm n cozy even in the winter in my trailer. I wanted to investigate but something told me it was bad idea to go outside as the nights without the moon in the panhandle it was pitch black dark outside by 5pm this time of year until 730-8am the next morning. Outta curiosity I peered out the window not expecting to see much I could faintly see the tree line about 20 yards off. Just before I looked away I seen two red eyes about 8 ft off the ground, I thought I was imagining it, looking away I thought no way! Impossible looked back again and there they were looking right at me couldn’t see any body parts or make out any features but it just stared at me. Giving me chills all thru my body I closed the blind and tried to tell myself it’s not real. Then I heard the dying call or shriek again as if it was trying to get me to look, I didn’t I locked my door grabbed my 12 gauge laid it on the bed next to me also had a machete close by as well. I needed to get some rest bad so I tried my hardest to fall asleep it didn’t happen until dawn. I only heard the shriek two more times that night and hoped it had given up. The next day I awoke at noon tired as hell from no sleep, my father asked why I slept in so long as I never do, I told him the story and what I saw and as expected he didn’t believe me. I pleaded to him to stay up tonite and to watch exactly where I saw the creature. We walked back to the tree line and seen hoof prints all back into the forest like a big bull elk or cow was coming thru the area. That’s exactly what my father told me it was. I thought to myself no elk I know has red eyes! Brushed it off and that evening around 11pm I heard tree branches breaking and a sound like a pissed off bull in a rodeo with a head full of steam would make. I had to look and in that same general direction there they were. Big red eyes 8ft off the ground staring me down. I felt a terrifying feeling in my body I have never felt. I had to overcome it so I opened my window looking out at the red eyes and I shouted hey, whoever you are you need to leave now, I’m armed and will shoot. The tree line once again turned dark the red eyes had disappeared, I felt at ease like I solved the problem. Laying in bed just about to fall asleep around 130am. I heard a voice that sounded just like mine say hey, whoever you are you need to leave now, I’m armed and will shoot. I was the most freaked out I have been in my life. Then telling myself no, but had to do it. I peered out the window only again to see the big red eyes. It was silent so was I, shocked that it had came back and mimicked me.I closed the blinds, and laid in my bed frozen in terror hearing those shrieks off n on all night until dawn. The next day I hooked up to my fifth wheel and moved it 300 miles away down south by the snake river. Told my father something is in those woods. And to this day have not been back over there. A year later my father moved as well. To a place on the river. With no particular reason why or he won’t admit why, but I think we all know. Something in those woods outside of priest lake Idaho watches from dusk til dawn.
submitted by Aggressive-City4453 to nosleep [link] [comments]
2021.10.24 23:44 GorjieOtaku Missing custom server
Is Polythylene space pony town shut down? The custom server? Last time I tried playing I couldn't get pass the damn code or whatever it was that they wanted, could any pony who's currently online help me out please? I'm losing my mind I know the game is out there with some updates if anyone still play it would be nice if someone could help me out to the link to the game and the answer, maybe even discord server.
submitted by GorjieOtaku to PonyTown [link] [comments]
2021.10.24 23:44 thattomguy666 Favorite e-bike ride
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2021.10.24 23:44 glasier Israel designates 6 Palestinian human right groups as terrorist organizations
2021.10.24 23:44 Fluid_Benefit_8215 what would the police do if two underaged people got pulled over and the driver was a little high and the passenger was high/drunk?
if the vehicle didn’t smell of weed/alcohol, there was no weed on them, the driver had a valid drivers license, the driver wasn’t high enough to affect their driving, and the passenger was drunk/high what would happen?
submitted by Fluid_Benefit_8215 to NoStupidQuestions [link] [comments]
2021.10.24 23:44 ahjungmal Korean food mukbang!
2021.10.24 23:44 NeedCookies8 Stack More.
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2021.10.24 23:44 achimschneider Marney + Jmac appreciation post
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2021.10.24 23:44 eIectronickanye Instrumental remake of the SHMG version of FML?
2021.10.24 23:44 GamingCanaryYT [H] 8x Pained & Assembled 3rd Edition Space Marines [W] Paypal [Loc] Portland OR USA
2021.10.24 23:44 Sightshade Emilico and Kate, by 蘇芳サクラ
|submitted by Sightshade to ShadowsHouse [link] [comments]|
2021.10.24 23:44 AerosLedge Do you guys go to school daily?
It's not like i hate school, obviously it's much more fun than being in home... It's just that i feel so tired going to school nowdays... I wanted to know is this also happens to you?
submitted by AerosLedge to IndianTeenagers [link] [comments]
2021.10.24 23:44 PretendSpread6 [H] Mango Languages One year Subscriptions or Upgrades.. [W] $5 PayPal/BTC
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2021.10.24 23:44 joshdrumr 【drums cover】Hibernation - Yorushika
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2021.10.24 23:44 Cfrybort13 Cheaters this wipe
Anyone else feel like there are an abnormal amount of cheaters this wipe? We play a 200-300 pop vanilla community server and have died to numerous cheaters over the last couple days. Normally we see maybe 1-2 a wipe but this wipe it has been absolutely flooded with cheaters
submitted by Cfrybort13 to playrust [link] [comments]
2021.10.24 23:44 pugsftw Can't wait to ~aplastar~ when I learn Spanish
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2021.10.24 23:44 ABisacunt lol, eats shit cheifs
Brady b--k broke muhomes
submitted by ABisacunt to UrinatingTree [link] [comments]
2021.10.24 23:44 erosnol error message when trying to stake
having a "Internal JSON-RPC error." message after pressing "max" then stake on the wonderland website. is the website down or anyone else having this problem?
submitted by erosnol to WonderlandTIME [link] [comments]
2021.10.24 23:44 WaavvyyD Grand Theft Auto, The Trilogy, The Definitive Edition, IS REAL! New Deta...
|submitted by WaavvyyD to AdvertiseYourVideos [link] [comments]|
2021.10.24 23:44 Lbeantree Fall in Portland, OR
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2021.10.24 23:44 RampHopper Who is least likely to return in ‘22
2021.10.24 23:44 pinkoos88 Need some advice from fellow camgirls
So I just had to move back home again because of an issue with my apartment ( long story ) I'm a 23f and camgirl. I made good money but because I moved back home obviously camming is not something I can really do right now.
I've been in and out of school since I was 18 and I've now come to realize that maybe school is just not for me. The amount of money I have spent, student debt and my parents and I have no diploma or degree. I have nothing, I wasted five years in and out of college/uni programs. Now I am 23 years old and living at home again and I am getting very depressed. I only started camming 2 years ago so school has always been an issue for me.
Don't get me wrong I do want a degree ( Psych )but for some reason all I focus on is living on my own. Being independent.
My parents were not that upset that I came back yet again a failure but my dad said the best thing for me to do is to study for a diploma at home for 2 years than once I am done, move out and work. Then when I am ready I can start a degree on my own without having to move back home.
As great as an idea it is I feel like I am going in circles. I have always been a very sexual person and enjoy camming so much. Of course, it's not a stable job and having a diploma will provide me more security but right now I know if I go to school again I will fail.There is also no local college programs that intreats me and because of my history with school and moving out my dad is very serious with staying home and finally finishing ( can't get mad at that)
I am tired of failing. All I want to do is save up for the year and move out again, work, then when I am ready I go back to school. I have friends who are 30 years old and finally getting their degree and have had success in their 20s.
My parents however will never agree to this. I just don't want to keep hurting anyone with my failure but at the same time I don't want anymore regrets. Staying at home for 2-4 years makes me want to cry. I feel like I am wasting my 20s, I know my parents want me to be successful but I just want to be happy.
I don't know what to do, I mean I know what I want to do. I want to save up and find an apartment and for the first time in 5 years not be enrolled in school or thinking about school. Just focus on me, some therapy, and doing what makes me happy. Once I am ready, even if I am 27, 28, 29 even 30, I go back to school.
I just know that if I tell them this, they will freak out and be very disappointed. My older brother is the same way and is now going back to school but he lives at home too. I dont want to be 25 and still at home. I feel like I can't be myself and cry a lot. It sounds pathetic but its the truth.
I would love any advice from anyone about what I should do. Maybe I sound stupid for wanting to move out without going to college but I really feel it's best for me. Thank you for reading
submitted by pinkoos88 to CamGirlProblems [link] [comments]
2021.10.24 23:44 dudewithbrokenhand How I feel right now knowing this World Series won't include the boys in blue, and the 2022 season is 5 months away.
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2021.10.24 23:44 vacheresse-painter ...artwork
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