BAC

_jasmin17

i like JPM! it’s up +27% YTD compared to SPY up +12%. it’s the only one of the global systemically important banks thats outperformed SPY since the financial crisis, it has a 10 year CAGR of 20% compared to SPY’s 15%. the two next biggest banks, BAC and C, have 10 year CAGRs of 14% and 10% respectively. out of financial stocks, JPM is by far the golden standard.

Disastrous_You_5664

They issue guidelines for mortgage debt for banks to lend, and buy loans funded by banks like Wells and BAC, then bundle the loans and sell them to investors. Basically if you hear the term 'conforming loan' it's either from Fannie Mae FNMA or Freddie Mac FMCC. They have been in a conservatorship since 2008, and are about to be 'released' Way more info available than the snippet I provided. It's worth a read.

grackychan

Release from conservatorship and uplisting to public exchange (NYSE). Trump summoned BAC, JPM, C, WFC and GS CEOs in August to the White House to hear their plans to underwrite an IPO for Fannie and Freddie. Scott Bessent has said the IPO will likely be worth north of $500 billion, reflecting a significant premium from current prices.

MrPacksAlot

!banbet BAC 50.5 3d

MrPacksAlot

!banbet BAC 50.5 1w

Longjumping_Touch_58

Not sure about qqq either. Ran out of dt’s. BAC I seen a spike to the downside today, breaking support so I played it MCD been in an uptrend SOFI is SOFI

19andbored22

Not sure about the QQQ put the BAC put has more merit but they been doing pretty good this year so not sure about those. I would recommend more long term options. But that depends who your playing the game. Well would recommend neon but tbh it a coin flip could skyrocket like it did before if their a deal with samsung and depending on the settlement with apple but that is a semi gamble.

TamaTontata

Banks, BAC, C secretly doing buybacks

MrPacksAlot

Fair. Could see a bleed in the 2-3wks into earnings just to soar back to ATH levels following the release. It’s just hard to imagine BAC continuing this streak, albeit I’m currently holding calls from the slight dip. Picked up at low yesterday. Was contemplating switching sides for a month out

dj_samuelitobx

This isn't a bad bet but all of these are trash compared to SoFi technologies on the riskier end, and Bank of America on the safer end.  Literally buy BAC and go long $70 by March and you'll be okay. 

Busy_Point_3091

Knew BAC would break 50+ but I thought it’d be early summer, not mf now.. Shit, always missing it by inches 😖

ImakeBADinvestmentsx

BMO capital and BAC released notes on this. A Breakup of $GOOGL is not expected. Chrome will be kept within Alphabet. So most likely its going to be data sharing ruling or a injudction an apple payments - which will not have any impact on $GOOGL. Apple has no alternative on search and chrome is the best - users will just bypass safari and download chrome. Anyways, this is at 20 P/E and 16x FY26 P.E SO damn cheap! expect a re-rating to 25 P/E which should send this $250. SO many institutions loaded on $GOOGL aswell in the 180s-200s - this move isnt driven by retail. Billions are buying because it's going to WIn AI aswell due to its full stack. Check out nano-banana model. INSANE.

ImakeBADinvestmentsx

Judge has hinted breaking up chrome might not be the best answer. So no divesture. BMO Capital has done analysis and spoken and said the same. BAC has agreed aswell as the current admin. Saying they dont want to break them up. PLus, how do you sell $GOOGL chrome to investors. If it's spun off - gets who owns it? current investors :) just under alphabet lol. no buy/sale as its out reach of govt.

noce96

BAC is so close to hitting $53 again. It hasn't been at $53 since 2006.

TamaTontata

JPM, BAC were saying that buying the dip was a great opportunity for the past few days. I held calls into today, cashed out 2 of them but if I had listened to them my portfolio would be a lot happier.

Sidney1973

I bought BAC calls. I believe fed cuts helps BAC.

Diamond_handz_chad

I’m definitely buying calls on BAC now 😂 even if Warren sold all his shares 60$ will be inbound you sir are an idiot

KissMyRichard

BAC: "It better be different this time"

MrPacksAlot

Would love to see BAC crash -10%

MillionBEAR_

Bank of America's, $BAC, CEO Moynihan says economists predict no Fed rate cuts as inflation gradually decreases Is he retarded?

Secure-Shoulder1194

FDX Berkshire sold about $4B of BAC and is putting roughly $5B into an “industrial.” FedEx (FDX) is one of the names getting mentioned, but nothing’s confirmed. The filing should be out Thursday. Why FDX makes sense: • “Logistics” keeps coming up in the chatter • Valuation isn’t stretched • They’ve been buying back a lot of shares • $5B would be ~6–7% of the company — big enough to notice, but easy to build quietly Might be worth keeping an eye on after-hours action in case people are positioning early.

dubbawubalublubwub

tldr, buy puts on BAC?

scorchie

Thank you, sir. I've paid for a lot of experience the hard way, so I pay it forward. I would be cautious on bonds or anything inflation-linked to USGOV (bad data = bad prices). If you don't short, I'd recommend a gold position as a dollar hedge. I don't want to be responsible for another person's retirement; I only offer personal recommendations, based on my own allocations. The last "crash" was [SVB ](https://en.wikipedia.org/wiki/Collapse_of_Silicon_Valley_Bank)failure in '03, but the banks (still to this day) hold those losses unrealized on their balance sheets, so it never materialized. JPB, WF & BAC all have substantial amounts of this, which will only increase as yields rise (from lack of demand on USG term-debt). They will be forced to realize this soon, as yet another catalyst. Stay safe, and I hope you enjoy your retirement.

scorchie

Sell-side reporting. I've seen the same data from BAC, JPM, Goldman, etc... Bloomberg + Reuters have all reported these numbers. It's also how we know retail is on a record $1.1T of margin (largest in history). Retail brokers/institutions have the same counterparties for these transactions (investment banks). Hedge funds will sometimes use dark pools, which are transactions that are difficult to track order flow on (directionality is not reported). However, even HFs have a prime broker, where 75% or more of all their order flow is executed (OTC contracts may not be reported, but they are included in gross exposure by the CP).

Juhkwan97

I bot BAC at about $48 sometime in late 2007. Bought more, averaged down to about $30, then watched it drop to <$5 in the GFC. I held, bought a little more and averaged down to around $25. Then I held until 2020, got out around $30. 12 years I watched that mistake in my accounts. But I wish that was the worst one I ever made.

Level_Today9609

Same think happened to me on a huge 20 contract BAC CC I had at a strike price of 50. One day before expiration I rolled it out a week to 52 because it was about to cross 50 - it Never crossed 50 and I ended up loosing over $4500 to roll and wouldn’t you know BAC dropped down to $45/share

Conscious_Project485

I was holding @ 20 stocks in my portfolio, including half speculative. I went YOLO and sold almost everything, loss or gain. Took my gains on 400 WBD and SOFI shares, 200 F and 100 BAC. I scooped up 100 AMZN shares at a price that I thought I would never see this low again. I used every last dollar to finally scrape 96 shares of ANET, which reports earnings on 8/5 this week and is expected to hit it out of the park again... Still hung onto 100 shares of NVDA and PLTR, although it hurt watching them plummet today. It's scary that I just sold all the stocks with dividends I had recently purchased to balance my specs, but that's my YOLO! I wanted to chase UNH shares at this price, but with lawsuits pending, my balls aren't THAT big!

Eiiiights

Just put two pizzas (separate racks) in at the same time... .. Can't wait til to see how they blast my blood pressure P BAC

erichang

I had about 750K in 2007 when we all know the interest rate will definitely going down for the next year. I moved about 250K to bond and leave about 500K in SP500. Wish I had moved more. Anyway, market crashing is not a problem for me (to win big). The problem is in 2009 and 2010, I still have no faith in buying BOA (ticker: BAC) at below $10. Ended up with $14 cost average in 2014 for about 400K position. You would think the whole financial crisis in 2008 is a 1 month event. The truth is that it last many years for stock market. Even if you had bought BAC in 2009 for $5 like Buffett, in very likely situations, you may lose your shares in Nov 2011 for $5.5 or $6 a share and padding your back for a win. 20% gain in 3 years is not too bad actually, given the circumstance. In fact, same thing happened to my BAC position. It went up to about $17 in 2015 and dropped to $11 in Feb 2016 and everyone was panicking thinking 2009 or 2011 might repeat itself. Don't fool ourselves to think we can get BAC at $5 like Buffett is the first step to become a successful investor.

Florida_Man0101

I lost half my wealth, but buying BAC a week after bottom made me feel worthy again.

AnselmoHatesFascists

I bought all the banks, Citi, BAC and even AIG because those were all beaten down on talk of getting nationalized by the Obama administration. In retrospect, complete crazy talk. But it was a great example of when they say that buying when everyone seems to be panicking is a fast track to building wealth.

RepairmanJack2025

BAC raises AMD price target to $200. 'Bout time.

Terrible_Toe

I think BAC & TD... infact most banks are a little high right now.

DrElkSnout

Highest trading volume of a stock ever recorded: # 🥇 Bank of America Corp (BAC) * 📆 **November 10, 2008** * 📊 **Volume: \~2.38 billion shares** This spike happened during the height of the **2008 financial crisis**, as panic-driven trading surged amid bailout talks and systemic risk in the banking sector. OPEN is at 620M and climbing on the day holy fuck we're going to hit 1 Billion TODAY.

TradeVue

Good question! should have been answered by now. honestly this is a smart observation, you’re kinda thinking like a trader who’s looking for edge in IV structure which is rare on reddit calendars being that cheap on BAC makes sense since front vol is low and the back month isn’t that much higher, but the thing is… when IV is super low across the board, calendars lose their juice because there’s no vol differential to exploit. so yeah you can stack on credit spreads around it, but now you’re mixing long premium and short premium in a way that fights itself a bit…like if you sell call spreads above your calendar, that limits upside if BAC does decide to drift higher, and if you sell puts below it you’re doubling down on a range-bound assumption, so just know you’re capping your win zone in low IV names like BAC, I’d rather just sell something simple and mechanical like a tight strangle or iron condor outside 1SD and manage it that way, small pop, small loss, repeat it. or if you still like the calendar setup, you could try a double calendar or something like a calendar ratio, just keep it clean and don’t overstack complexity for a name that moves slow. calendar + condor combo can work, but it’s gotta be super deliberate or you’ll end up strangling your own trade for a tiny net credit lol overall you’re thinking in the right direction just don’t overengineer it for a stock that ain’t gonna make a big move anyway, keep it simple, sell something with edge, and move on to the next one

SirYoda198712

A few duds of his were ZIM, BAC. And maybe a few others- he doesn’t win them all. But if he hits- generally those stocks do well

NewPCBuilder2019

why does tim BAC always so much more in anguish than the others? what is wrong with him?

LiveRedAnon

The benefits of blockchain technology are real. BAC has over 80 patents in this area...what they don't need are coins/token/miners to run a blockchain.

Savik519

Absolutely agree, I think buying JPM/BAC/WFG type stocks will be a great trade. I just don’t see how it translates into ETH token price going up

civillyRange

BAC 1.5B charge offs life tip for free money: load up the cc and banks will just write it off when you dont pay 👆

narrowant341

All 3 banks (BAC, MS, GS) have done well compared to yesterday.

IntelligentDamage824

BAC and GS not too bad. goldman popped

racks_long

How can BAC miss on interest income when yields are literally at 20-year highs? I guess their employees have American degrees (worthless) LMAO

PutSpreadDaddi69

BAC revenue miss

Fibocrypto

OP, The better question is which companies do you like ? I'll give you my basic investing strategy. Any stock I buy I will thin 1/3 of the position if the stock price doubled and once I eventually get all of my initial investment out of it( other 1/3 thinning of the position as the stock goes up ) . I will continue to hold that position and forget about that stock. I will use that money I received to invest into another company. My most recent purchases between April to about 1 month ago were ( most recent first then moving out further to early April ) HFWA, LNKB, JVA, PFE, UCTT, WDC, SMCI, BAC, GLAD, LCID. There have been several positions I have thinned in the past 6 months yet my bias is to accumulate thin and then accumulate. I'll explain my reasoning. 1- longer term the stock market has tended to rise. 2- Eventually I might want this money in retirement 3- most likely my kids will outlive me and they can go WTF was he thinking. 4- I've heard several times that had a person invested 1,000 in stock x y or z they would be a millionaire today so I have kept the long term in kind looking out 40 years. 5- I look at stock indexes as a very well managed portfolio. 6- there is nothing wrong with investing in the sp 500 because that index by itself tends to out perform most people's portfolios. I'll summarize. The SP 500 is your simplest investment to hold onto

AGener0usGod

See that’s where you’re wrong, my Blood Alcohol Level (BAC) is going to be very bad tomorrow.

IntelligentDamage824

i have a feeling BAC gonna not be too bad tomorrow

bdh2067

BAC never moves

IntelligentDamage824

what are the odds BAC pops?

PM_STOCKS_TO_BUY

i may have done the worst thing I could do as a trader….averaged down on my $XLF 08/15 55c calls in hopes of $BAC, $MS, $GS providing relief to financials tomorrow morning through earnings hoping this avg down with a decent green day tmr allows me to breakeven and get out of the financials play

greaterwhiterwookiee

And BAC lately has been, well, this week hasn’t been the best. I made some money on puts last week. I just hope Citi keeps it up.

StocksStormTrooper

I wouldn’t entertain GS BAC MS either, look at the first batch of financials, if anything … puts

TempestDrive

Why are people saying BAC calls? Did they not see how most of these bank earnings turned out?

OopsSorryUgh

Who is short going into BAC earnings?

IntelligentDamage824

BAC calls tomorrow?

TempestDrive

BAC is really tricky, im not sure whether to go puts or calls

TempestDrive

U think it’ll b the same for BAC?

Pink_Squadron_Medic

Dana M is engaged and she cheats on her husband with dudes she meets at bars and networking events She fucked around with JPM BAC WFC MS UBS GS dudes

TempestDrive

Yea for sure, BAC is the one im really having a hard time deciding. Its VERY close to reaching its previous ATH, but can never seem to get past $50

Justanotherhitman

I remember doing that. BAC was low 30s so I bought a leap at $40. Sold it after it doubled, I knew the potential. Bought it for like 1.20, sold at like 2.50 something when it was still mid 30s. Last time I looked when there was a year left on it the stock was at like 45 a share. Would've made like 900% but took profit.

CoolWerewolf

S&P 500 year-end target raised to 6,300 from 5,600, per Bank of America, $BAC. FASTEN YOUR SEATBELTS BEARS YOURE ABOUT TO GET FOOKED

ch0c0l8cake

Sofi will rip when BAC announces their meme coin

ch0c0l8cake

Im want my BAC meme coin. I won't buy unless i can feel a sense of pride and accomplishment like EA

Traditional-Fix2130

What you guys thinking for BAC earnings report 👀

No_Zookeepergame_27

BAC crappy stock. One of my biggest regrets. Making money overall but I could’ve bought QQQ instead.

DepressedChargersFan

Invest every time people are panicking. It’s the Warren buffet strategy but I swear every time an established stock drops I scoop up as much as I can. Tyson, Rivian, tech stocks during layoffs in 2023, BAC & ALLY during the bank closings of 2024 (think that’s the right year). I only do this with a minimal amount of my portfolio but it’s such an easy way to increase gains

TempestDrive

Yall think BAC will beat earnings next week?

No_Zookeepergame_27

BAC, GS, JPM get downgraded. The other two are barely moving but BAC is down -2%. Makes sense.

compddd

Does anyone know why BAC tanked in AH? I don’t see any news anywhere relating to Bank of America. 

kamehame6008

Why is BAC tanking AH?

TempestDrive

BAC is close to reaching its previous ath

KnightMollo

Calls on BAC then?

FearlessWorker6498

Hey, I'm 18 and i live in RO {Europe). I get around 200-300 EUR per month from scholarships and allowances. i would be willing to invest around 60 EUR per month, maybe 80 or 90 EUR if i catch on well. I don't have a clear objective (house/car etc.) but i'd like to basically maximise this money in a year with a risk tolerance of losing maximum 50% of the investment. After this year i will end college and i will probably get a job allong with uni. I don't have anything invested yet. I tried investing 50 USD in some stocks (MEG, NVDA, BAC, CRM) in february, but then sold them in under a month with a 10USD loss because i had a low risk tolerance. I have also invested 52USD in BTC but sold it too with only 1 USD difference. I have no debts and no utilities to pay except gym membership and some meals. Do you guys have any recommendations for me? i just opened an account on trading212.

KnightMollo

Why I sold BAC and WFC? Why?

OakyTheBear

!banbet BAC 44 10d

TempestDrive

I bought BAC July 18 calls

TempestDrive

Should I buy BAC calls or puts? Their earnings are on 7/16

ThrowawayAl2018

SOFI is approaching meme status, P/E of almost 40, while $BAC is at 14. So yeah it can go higher at this rate. BTW Stratosphere is not the highest layer, there are 1. Mesosphere (most comets generally burn up here) 2. Thermosphere (aurora, sprites) 3. Exosphere (satellites)

jvro1

From my bro chatgpt Ally Financial (ALLY) – major auto loan provider Santander Consumer USA (SC) – heavily focused on subprime auto lending Capital One Financial (COF) – significant auto loan exposure Wells Fargo (WFC) & Bank of America (BAC) – large indirect auto lending arms GM Financial (owned by GM) and Ford Credit (privately held but benefits GM/Ford)

eayml10

Based on @kk7766 comments so far, the best play which carries risk and reward is the ticker change, when it becomes PEW it will become a 10 bagger+ with Donald Jr ringing the bell. He literally just posted on X 4 hours ago and CLBR pumped. Now imagine when all the media draws attention to this, the algos consuming the Bloomberg, Yahoo, Reuters articles about CLBR and Donald TP Jr ringing the bell? It's going to explode. Question is psychologically, can you hold through the volatility? Hedgefunds, banks, and deep pockets can scare retail small time investors into selling or trigger their stop loss switchs, and then pump back again. Given the bullish speculation on CLBR (mostly from reddit and some X users) don't be surprised if an algo tries to bully you psychologically. Take it from a former quant at DB, BAC and BARC pre Volcker Rule we used all the tricks, we used to monitor 1000s of inputs order book, short interest, rolling averages, articles, depending on the desired output we could drive volatility. [Let's Fucking Go](https://x.com/DonaldJTrumpJr/status/1938584119975321637?t=YX4hHcVuaJrhHLZLCmKiYw&s=19)

Slow-Offer7075

You can buy it from a bunch of different places in powder. I do Polaris peptides. It’s just some guy buying from China and then sending each batch in to be tested. It’s like 100 bucks a month depending on what dose you need. People say it’s not safe but I disagree and know a bunch of doctors that do this as well. You just have to be smart enough to know how to compound it with BAC water yourself and know how to give yourself the correct dosage.

greenpride32

>That's it?  I wrote similar reponse to another comment - I offered to give a brief synopsis of 2 recent issue that are often misundertood in terms of what they do and their potential. I'm not here to educate you on blockchain technology or argue its benefits. Do your own DD. Go and look at careers page of any major financial company and you will find "blockchain" "crypto" "digital assets" roles. No I don't mean COIN - I mean the likes of MA V GS JPM BAC C. I guess you must know better than all of them.

ryallen23

If their shares of everything were new, sure. But they're decades old. Their KO shares are $3. So they're gonna be generating 100% dividend yield in a couple years. There's no replicating their returns because there's no replicating that. Their dividend income on BAC this year is over a billion.

thejumpingsheep2

Feel free to look at my historic posts. You have a long way to go. Ive had, easily, 5+ 10Xers just going off memory (BAC, Tesla, various fixed income shares). Its the advantage of being older just like your hero lived through the 80s and 90s. I dont have a large number of stocks and only a few big positions. I usually run a lot of bonds (cash) though lately my portfolio is lopsided. Most (but not all) of those 10x happened in 1-2 years except for one which I bought, then sold a over 10x about 2-3 years later, then bought back 1.5x as much at 50% haircut about 4 months later. I pocketed 25% of the gains for a rainy day. That one is at 12.5X minus taxes but that has been almost 5 years. The other big position almost 3x and I have a bunch of real estate which has almost 4X though those were also long holds. GME is literally going backwards and shrinking. Any doofus would have cut the under performing units to shore up financials. That doesnt take skill at all. In fact they had no choice because they were on a path to bankruptcy. But the real problem is their plan moving forward. Good luck with that.

No_energyforeal

I accidentally bought an option for the first time and couldn’t figure out Rondell it. Next day BAC had made me 1k

grumpvet87

I realize I wasn't totally clear, the only stocks i do own are from funds I had from 25 years ago. These investments were purchased prior to discovering Boglehead / index funds. I have 20 shares left (sold most at a profit) of BAC that I purchased in 2008 @ $15 (following warren buffet) that immediately went to $8 (was a loss until 2016).. Now around $45 and pays a decent dividend. I have 1.2 shares left of cisco that is up 25% that also pays a decent dividend 10 shares of CRM (salesforce) that is up 42% is the biggest holding. I had GE that completely floundered for a 15 years or so ... It has finally rebounded after lots of corporate (and stock) restructuring breaking apart into different stocks (medical, energy equipment and aerospace iirc) I just looked, I only have 2.89% of my holdings in stocks .. To be clear - I had several losers too. I lost 100% of my Chesapeake Energy Corp. (CHK) executed a 1-for-200 reverse stock split on April 14, 2020 I lost 100% of a company that was apple's Telecom of choice in Europe There were others. Most of these were listening to CNBC clowns and not having any idea of what I was doing. I just took advice from people who guess at stocks for a living

ArtEfficient6873

Closed out for the day. +100% on some JP Morgan, BAC, AAPL, & NVDA calls. Now gonna spoil the girlfriend. Have a good day y’all

Affectionate-Idea690

Amazon's (AMZN) price target has been raised to $248 by Bank of America (BAC) due to accelerating adoption of robotics and AI across its logistics network. Analysts expect operational efficiency, cost management, and faster delivery speeds to benefit from Amazon's expanding use of automation. -Terminator bots with modified sized pps are coming fer yer jobssss! 

StraightEstate

“The S&P 500 could soon return to record highs as sentiment improves, Bank of America, $BAC, has said.” Green summer, red winter, green Christmas 

MillionBEAR_

The S&P 500 could soon return to record highs as sentiment improves, Bank of America, $BAC, has said. BEARS LMAO 🤌🏻🤌🏻🤌🏻

Austin_Destroyer

I ran into Pete Hegseth in the elevator the other day. After a few seconds in silence, I grimaced and turned to him, but he was already looking at me. He held up a hand and said "I'm above it." Dude is a mindreader. I was going to ask about his BAC. Calls on PLTR.

Basic_Bad_9907

$29 BAC call for a $25 profit. That was 2 months ago, I'm down $1500 now 

Muad_Dib_PAT

The Fed isn't a private equity, it's an independent branch of government. Also it didn't fix all rates, notably the 30y bond rates are market decided. I'm talking about the cash that regular citizens deposit at BAC, citigroup, JP Morgan etc. A lot of that money goes into bonds. So the US debt isn't a fake number, it's directly tied to real life savings. The feds can print money to buy bonds, but it doesn't solve anything : if the US government doesn't pay its bonds, most us citizen with savings will feel it.

Humble_Ladder

The default 401k investment option at my employer is the money market fund. I realized this when I logged into my retirement account in 2008 when all of my coworkers were complaining about their 401ks tanking. Basically, at the bottom, BAC was $1, etc. Upon realizing I was in the money market fund, I moved everything over to the most aggressive 'all stock' fund (we didn't have a ton of options). Timed the market like a pro and made back everything I had missed out on because I hadn't set up my allocations when I had hired on.

Low-Fig-9879

I own 50 shares of BAC....praying you Win Bro 🤣🤣🤣🤣🤣

Slow-Offer7075

No it wouldn’t be compounded. Compounding happens when it is mixed with the BAC water. I would be buying off brand powder and then I would reconstitute it how with BAC water to the correct dosage per ML for my usage.

zxc123zxc123

It's a really stupid idea because what he's doing is literally committing crime. Might get him blocked out of the big banks if not outright in jail. Not sure WTF OP thinking, but I know he's smarter than me since I own BAC stock and he's screwing me indirectly by doing this.

chicagotim1

The stock market is a casino where I can take 98% of my money and bet the minimum on blackjack while earning a Yield of .04BAC per hour in Vodka Redbull dividends In that same casino I can take the other 2% and bet it all on Craps.

likamuka

May 19 (Reuters) - Moody's on Monday downgraded the long-term ratings of top American lenders such as JPMorgan Chase (JPM.N), opens new tab, Bank of America (BAC.N), opens new tab and Wells Fargo (WFC.N), opens new tab, after pushing the U.S. out of top triple-A rating club over its burgeoning $36 trillion debt. Thisisfine.jpg

Humaniac99

Imagine choosing $AMD over $NVDA back in 2019  Well I didn't choose either cuz I was 20 in 2019 with about $12 to my name and a BAC of .17