FRA

fairytaleresearch

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lOo_ol

Couldn't read past *"Their debt to GDP ratio is now beyond the EU and US"*. You have no idea what you're talking about, so you're making stuff up to sound knowledgeable. China's debt to GDP is a little over 90% ([up from 88% in 2024](https://www.imf.org/external/datamapper/GG_DEBT_GDP@GDD/CHN/FRA/DEU/ITA/JPN/GBR/USA/FADGDWORLD)) vs. 124% for the US, 113% for France and 135% for Italy.

FinsterFolly

In my fifties here, so I’ve been looking at it that way for a while. My savings have started to look like time. Especially when I hit the level of having a comfortable retirement at FRA. Now any extra savings are “buying” early retirement as I bridge to SS. Certainly changes the way I look at asset allocation and how I protect what I already have.

mettur7

I retired 9 years ago when I was 60. When I decided to retire, I had done my analysis many times. I was prepared for the market to drop 50% the day after I retired. I had gone thru 2000 and 2008 down turns, and I know it could happen. So I was prepared. Luckily for me market did not tank, and it kept going up. I did use some of my savings for 6 years. Took my SS at FRA and took a small pension at 65. I don’t withdraw much from savings. I don’t buy into those who say you need 70% of your final income etc. I follow morning star bucket system. We are not a lavish spender. We are not penny pinchers. We live very comfortably. Eat out often, have all the streaming services etc. My house was paid off before I retired. My cars are 13yrs and 7yrs old Lexus. We actually spent lot of money upgrading our house. My expenses are reasonable. We used to travel a lot internationally but since Covid and my medical conditions that has come down. So as someone said before, we don’t take out much from savings. We do donate to charities and pay property tax etc from savings. We do give to our adult children from our savings. But even after all these, our net-worth has tripled in last 9 years. Yes we do invest aggressively. My lesson and suggestion to those who want to listen to me. Keep your expenses under control. Don’t buy into upgrading your living as income goes up. Live comfortably don’t suffer, enjoy life. But keep expectations in check. Buying lot of stuff is not going to make you happy, it a short term pleasure. You don’t have to have a boat/Yacht and fly 1st class all the time to enjoy life.

Wmacky

well the surplus will only come AFTER I switch to mine at FRA. The survivor benefit doesn't quite cut it. For those that don't know - While on Survivor benefits, your personal SS still grows until FRA and even up until 70! I want to maximize as much as I can without drawing down investments to severely.

mistryman95

On the FRA, yes NVRA, on LON: URU

No-Detective7811

Oh yeah - it's really easy. Tell me your really easy solution, because I have yet to hear one from our government. The issue doesn't magically disappear. So you don't foresee any cuts to SS. Fine, let's go with that, but you're missing the other part of the equation. Seems to me the solutions are some combination of cutting benefits, pushing back FRA, increasing OASDI taxes to both employees and employers, drastically increasing (or outright eliminating) the wage base limit . . . either way, both workers and retirees are going to experience a not insignificant impact. But since it's really easy, tell me what I'm missing?

No-Detective7811

What possible tweaking is left? Raise the FRA to 80 and increase employee SS taxes? Increase employer taxes? We know that won’t happen. We just keep kicking that can down the road.

blorg

It wasn't. It wasn't significantly worse either though, and it did drop lower than most in the US by 2023. 2020-2022 inflation in the US was slightly higher than most other developed countries. I think the more reasonable point was that this happened everywhere, it wasn't just the US, and the US did ultimately manage it well. https://ourworldindata.org/grapher/inflation-of-consumer-prices?tab=chart&time=2019..latest&country=DEU~GBR~USA~JPN~AUS~CAN~KOR~FRA~OWID_EU27&focus=~USA

blorg

It wasn't. It wasn't significantly worse either though, and it did drop lower in the US in 2023. 2020, 2021, 2022 inflation in the US was higher than most other developed countries. https://ourworldindata.org/grapher/inflation-of-consumer-prices?tab=chart&time=2019..latest&country=DEU~GBR~USA~JPN~AUS~CAN~KOR~FRA~OWID_EU27&focus=~USA

SuddenFix2777

What do you think? My wife and I are so late to the investing game. I need to make up some ground.... Apologies for the length of this.... I'm struggling every day trying to decide what to do and it is exhausting! I don't have a lot, so i cant afford to pay for management. Maybe a fee only deal to get advice? That's if I could find someone I trust.... No luck yet. We met with a CFP through my Credit union. When we didnt show interest in an annuity he was pushing, he dropped us like a hot potato. One of my thoughts is to draw SS early (because of the uncertainty of its longevity) and start a brokerage account (I am thinking of opening a brokerage account right away, anyway), maybe with a TDF? It would be earmarked for end of life issues for the most part, so estimating a minimum horizon of 15 to 20 yrs., which would have my wife 82 to 87 yrs of age and me at 76 to 81. So, would I be better off to wait until FRA and draw, or draw early and invest it? I know there would be risk investing, but i would probably want it to be bond heavy? If I draw SS early: $1,650, or FRA: $2,400 Would I have a similar outcome drawing early and investing as I would waiting for FRA to draw? I know I'm cash heavy but i have been taking out 15 mo. CDs that have a one-time lump sum addition allowance. So upon maturity I have another one waiting and dump the matured one into it, for the remainder of its life. Been doing this since covid. Started out at 5.12%. Unmatured CD's now at 4.91, 4.85, 4.45. I have several waiting that will carry me into June of 2026. The rates have dropped though. I have 2 at 3.87% and 1 at 3.61%, which is the current rate on a 15 mo. cd. I will probably open 1 more before the rate drops again. This will get me to Sept. 2026. Then what, as rate will be terrible most likely? Based on the below info, what would you do? Me: 61.5 yrs young. (5.5 yrs from FRA) Wife: 67 (drawing full SS) Monthly income: $7,950 net It includes: 2 Pensions: $3,006 n (@ 12% tax bracket). SS (wife): $2,152 n Part time work (me): $2,793 n (plan to work to 64 yrs of age, so 2.5 more yrs). Debt: $550 mortgage (included in expenses). Equity: $200k No other debt. Expenses avg: $ 5,800/mo. Investments: $145k (401K 457B, & 2 small Roth IRA's). Savings: $345k (see belowl Breakedown of Savings/CD ladder: Savings: $15k, CD's:$265k, Emergency fund: $35k, savings: $30k (earmarked for a vehicle) I just started maxing out one of the small Roth IRA's. I now understand i should have been doing this all along. I screwed that up. Any additional direction/thoughts are immensely appreciated! Thank you.

OutdoorBerkshires

It’s more useful to think about GDP/debt, then it’s Apples to apples for countries of different size Here’s a map: https://www.imf.org/external/datamapper/GG_DEBT_GDP@GDD/CHN/FRA/DEU/ITA/JPN/GBR/USA/FADGDWORLD Basically if you made $270,000 a year gross (GDP), and you bought a $370,000 house. Could you pay that off over time? (Yes) It’s why taxes on billionaires are needed (your mortgage payment)

snuepe

READ the crash investigation report, no newspapers, no youtube, no netflix. Read the report. And for a short one you can read my comment below. https://www.aaiu.ie/sites/default/files/FRA/2018%20-%20035%20-%20PK-LQP%20Final%20Report.pdf

Pytheastic

https://www.imf.org/external/datamapper/GG_DEBT_GDP@GDD/CAN/FRA/DEU/ITA/JPN/GBR/USA/FADGDWORLD/AUS/CHN/BRA/IND/IDN/KOR/RUS/TUR How about using the G20 as a definition of major economies rather than a selection of cherry picked countries.

le_bruh_monkey

[https://www.imf.org/external/datamapper/GG\_DEBT\_GDP@GDD/CAN/FRA/DEU/ITA/JPN/GBR/USA/FADGDWORLD](https://www.imf.org/external/datamapper/GG_DEBT_GDP@GDD/CAN/FRA/DEU/ITA/JPN/GBR/USA/FADGDWORLD)

NotreDameAlum2

wouldn't the ratio of interest paid on public debt to GDP be a better indicator than the total debt-to-GDP ratio to evaluate japans financial health? in which case it really isn't that bad? [https://www.imf.org/external/datamapper/ie@FPP/USA/FRA/JPN/GBR/SWE/ESP/ITA/ZAF/IND](https://www.imf.org/external/datamapper/ie@FPP/USA/FRA/JPN/GBR/SWE/ESP/ITA/ZAF/IND)

llccill

Cadeler A/S FRA: CA2 🚀

Seyon_

I'm finding that government expenditure is \~35% of our GDP, which when compared to a majority of other developed nations we are actually on the lower end...so i'm not sure why that's a bad thing. Source on your 2.5% and 25% would be appreciated My source: [https://www.imf.org/external/datamapper/exp@FPP/USA/FRA/JPN/GBR/SWE/ESP/ITA/ZAF/IND](https://www.imf.org/external/datamapper/exp@FPP/USA/FRA/JPN/GBR/SWE/ESP/ITA/ZAF/IND) Also I'll believe anew 'higher' bracket for the rich when it gets to his desk and signed. Until then its a worthless platitude and means nothing coming from him. He says one thing, while congress is figuring out what tax credits they can cut and what social services they can remove all the while increasing our military and homeland security spending.

Immediate-Sky9959

If you really wanted to be in the Major league and not single A ball, you would proabp;y looking at overnights right now and seeing it's basically flat. You would notice 10's are at 4.70 you would also notice BUnd 10's, JPN, FRA, and UK 10's are all flat. So you should be think what is the strategy for tomorrow. Yes it's 9:30 pm, but preparation is the key to success.

keijikage

So I'll take a page from Bessents most recent talk as he's the closest thing to an adult in the room (you'll have to kind of look past the parts where he has to talk the administration's book). The big elephant in the room is that trade with China isn't really 'free' trade in that China has pretty strict capital capital controls so they can keep the Renminbi from appreciating. This permits them to "de value" their currency and support an export led economy since they don't have enough local demand to sustain all the industries being built, which in turn causes deficits (a lot of it the US) where new currency (dollars) are printed in order to buy those exports. This has in turn resulted in a hollowing out of many previously industrialized economies as you simply cannot compete with the cheaper labor. This is not a big deal in a world if you think Wars are a thing of the past, but the Covid pandemic made it very clear how integrated supply chains were and how fragile the foundation of the US's power was (where the value of the dollar is also implicitly backed by US military power). This is a big big problem in the world where you just print money to satisfy global demand, since eventually the world wakes up and realizes they don't need to take your printed money if you have no means to enforce it. This is really a clash of two super powers and everyone else is caught up in it. Now the execution? Total dogshit. [https://www.youtube.com/live/NsyNHd5Ce3c?si=bKDvAOhtUHy6eJzh](https://www.youtube.com/live/NsyNHd5Ce3c?si=bKDvAOhtUHy6eJzh) [https://www.brookings.edu/articles/chinas-currency-policy-explained/](https://www.brookings.edu/articles/chinas-currency-policy-explained/) [https://www.imf.org/external/datamapper/CG\_DEBT\_GDP@GDD/CHN/FRA/DEU/ITA/JPN/GBR/USA](https://www.imf.org/external/datamapper/CG_DEBT_GDP@GDD/CHN/FRA/DEU/ITA/JPN/GBR/USA)

RedDeutschDu

aaaas so the "FRA: TL0" (stock on the right) means Frankfurt but what doea ETR: ( stock on the left) stand for ? and is it common for companies ? bc i only noticed that with tesla

amongnotof

On the good side, a law repealing the FRA is pretty unlikely with there being just enough GOP senators who have enough sense not to. The bill would pass the house and get shot down in the Senate. They know what the end result would be.

Beatnik77

The wikipedia article is quoting the IMF. I found the IMF data first on theie website but wiki also had the historical data and had a more convenient presentation. https://www.imf.org/external/datamapper/HH_LS@GDD/CAN/GBR/USA/DEU/ITA/FRA/JPN/VNM

Lord_Tywin_Goldstool

U.S. ranks only 13th in household debt to GDP ratio. Switzerland, Australia, S Korean, Canada, Hong Kong, UK are all higher than U.S. Canada is at 103%, while U.S. is only 73%. https://www.imf.org/external/datamapper/HH_LS@GDD/CAN/GBR/USA/DEU/ITA/FRA/JPN

KevlarFire

I presume he is arguing that Article I of the constitution trumps the FRA, and that a law prohibiting the president from firing an employee is unconstitutional.  

jonnyharvey123

No it’s not. It’s based on a lie. China’s national debt is lower than their GDP https://www.imf.org/external/datamapper/GG_DEBT_GDP@GDD/CHN/FRA/DEU/ITA/JPN/GBR/USA/FADGDWORLD

jonnyharvey123

This is misinformation. China’s national debt is less than its GDP. Source: https://www.imf.org/external/datamapper/GG_DEBT_GDP@GDD/CHN/FRA/DEU/ITA/JPN/GBR/USA/FADGDWORLD

Environmental-Meal14

I mentioned this earlier but as our markets do poorly, I've had good luck playing more with Germany's exchange (FRA/FWB). I mentioned **1H50** this morning as I've made good money on it a few times and it just popped over 200%. Of course it could go just three same the other direction any time. Just putting that out there as an option. Just be aware of Germany's trading hours.

Environmental-Meal14

The FRA/FWB2 is the strongest exchange currently thanks to the tariffs. If anyone trades on it, I've been making some money on **1H50**

zooka19

I have: RR. (Rolls Royce on LSE) BA. (BAE Systems on LSE) [RHM.DE](http://RHM.DE) (Rheinmetall on FRA) The others were way up and one of em had shitty financials. Other than that, I'll trust in UDVD, BRK.B, MCD.

The-Phantom-Blot

Ah yes, unlike strong, fiscally responsible nations, like Turkmenistan and Cambodia. *They* are secure. [https://www.imf.org/external/datamapper/GG\_DEBT\_GDP@GDD/CAN/FRA/DEU/ITA/JPN/GBR/USA](https://www.imf.org/external/datamapper/GG_DEBT_GDP@GDD/CAN/FRA/DEU/ITA/JPN/GBR/USA)

sonik13

When the inevitable market correction in US happens, it will drag down global indices, and in that event, defense (across all NYSE, LON, FRA) will be safer than most other sectors. I wouldn't expect explosive growth across the sector, but while everything else corrects to the downside, I'd expect reasonable growth, especially given the geopolitical climate. I think you're right, defense has already gone for a run and the markets are definitely already pricing in big military spend across the board. A market shock might create some buying opportunities in the next quarter.

lOo_ol

You're not making points, just baseless claims. To be honest, it's quite tiring because it's always the same "arguments", just a different Reddit username. But sure... *"China has been in a property collapse since 2021. The entire wealth across the nation and citizens has been destroyed"* The real estate sector accounts for roughly 30% of China's GDP. So much for "The entire wealth across the nation". China could literally cover the entire valuation of their real estate market by new debt and they'll still have less debt than the US. They just prefer a long but healthier resolution over printing cash and throwing it at the economy like we did in 2008. And that's due to their political system where politicians are not under pressure to deliver before the next election, at the cost of future generations. Land sales have dropped but aren't going to disappear overnight. The Chinese have a different culture. They save a lot (45% vs 3.6% in the US) and invest mainly in real estate. Financial assets are not as common as they are in the US. The last report from early February states that land sales have stabilized. The "hidden" debt you're referring to is estimated at less than $2T, so if you add it to the 84% [reported by the IMF](https://www.imf.org/external/datamapper/GG_DEBT_GDP@GDD/CAN/FRA/DEU/ITA/JPN/GBR/USA), you're still under 100%. The US is currently at 123%. I would add that they've been on a Western-like Keynesian trend lately and that's probably not a good thing, but still in better shape than us, like being late for a trash-your-house party.

wingsoflight2003

For anyone wondering NBIS is FRA:YDX or DUS:YDX

fn_gpsguy

While age 67 is her full retirement age (FRA), for each year she delays taking it (up to age 70), she could get an additional 8%.

Ok-Stranger-8242

ATOS SE (IT services provider from France) [https://www.google.com/finance/quote/AXI:FRA](https://www.google.com/finance/quote/AXI:FRA) is currently at around 0.0026 USD, because bankruptcy is looming, while on the other hand, they have 100,000 employees, are partially owned by the government, and are important for the military. I gave it a try with 55,000 stocks for less than 200 USD, I mean what can go wrong?

SeniorVicePrez

It is traded in 3 places: 1. CULT on the Canadian Securities Exchange (CSE) and 2. CULTF (OTC) Over-the-counter and LN0 (FRA) Frankfurt Stock Exchange.

SuckulentAndNumb

What a absolute pile of a gift-wrapped turd, spewed with ignorance kind of post is this. https://ourworldindata.org/grapher/adjusted-net-savings-per-person?country=DEU~FRA~GBR~MEX~BRA~PRT~COG~DNK~USA US on the way up. https://ourworldindata.org/grapher/share-of-population-in-extreme-poverty?tab=chart&time=latest&country=CHN~DNK~OWID_WRL~FIN~FRA~DEU~IRL~ITA~JPN~NLD~PRT~ESP~GBR~USA GDP great for US https://ourworldindata.org/grapher/gdp-per-capita-maddison?tab=chart&time=1980..latest&country=OWID_WRL~Western+Europe+%28MPD%29~Eastern+Europe+%28MPD%29~BEL~FIN~DEU~ISL~ISR~IRL~ITA~JPN~LUX~NOR~PRT~POL~ESP~SWE~CHE~GBR~USA GDP growth since 1950 aint amazing for US https://ourworldindata.org/economic-growth-since-1950

dumpersts

https://www.imf.org/external/datamapper/GG_DEBT_GDP@GDD/CHN/FRA/DEU/ITA/JPN/GBR/USA/FADGDWORLD I guess same to you?

diamanthaende

I don't have AMS real time access, but I do have real time access to XETRA. For roughly 15 minutes, you could buy ASML at €729 in AMS and sell it for €739 in FRA. GLitch in the Matrix? I don't know, but it was real!  Not anymore btw.

Ready2gambleboomer

[Heaven and Hell (2021 Remaster) (youtube.com)](https://www.youtube.com/watch?v=5FRA7UXlGu8) 

WhiteRabbitSpecific

Treatment AI presents remarkable value at its current price, driven by strong revenue growth expectations. The company’s recent advancements, including the highly accurate Global Library of Medicine (GLM) and strategic partnerships with prestigious institutions, highlight significant potential for short-term revenue increases. Having successfully navigated financial hurdles such as the warrant overhang, Treatment AI is now well-positioned for sustained growth. With the global AI healthcare market projected to reach $187 billion by 2030, the company is primed to capitalize on these opportunities, offering many innovative solutions that enhance patient care and optimize healthcare processes. Given these developments, I see the value of Treatment AI rising considerably in the near future. The warrant overhang is largely behind us, solidifying this as an exceptional investment at the offered price. CSE: TRUE OTC: TREIF 939: FRA

InIce1234

FRA -3.99% at $161.73

Fragrant-Badger6608

In that case I recommend QQQ Here’s why: • VFIAX: 20-year total return of about 483% (8.1% annualized). • QQQ: 20-year total return of about 1,345.36% (14.2% annualized). If you invested $1,000 a month for 10 years at an annual return of 14.2%, you would have approximately $249,203.87. That will take you to Social Security, full retirement age. I recommend waiting to start drawing your Social Security at 67. go to the ssa.gov and look up your projected social security payment at FRA 67yrs. Best wishes

peter303_

Most calculations I have made have the crossover at age 78 for any starting age before FRA. Coincidentally that happens to be the current life expectancy from birth. If you've made it age 62 your expectancy is 82.

timee_bot

View in your timezone: [July 18, 2024 at Noon ET][0] [0]: https://timee.io/20240718T1600?tl=CULT%20Food%20Science%20to%20Present%20at%20Singular%20Research%20Private%20Investor%20Call%20on%20July%2018%20(CSE%3A%20CULT%2C%20OTC%3A%20CULTF%2C%20FRA%3A%20LN0)

kerbouchard7

I’m going to ignore COLA in this reply, to keep it simple: 1. 8% return assumptions while drawing ~7% from the account? This thought alone is concerning. 2. “As long as you can either continue to work” - there’s an earnings test until FRA, so not likely. 3. “Or can live off your retirement alone” - Why would you presumably withdraw pretax assets, taxed as ordinary income, reduce the growth potential of that asset, to draw SS early, be taxed more on that, to turn around and reinvest it to an after tax account?

EnCroissantEndgame

"You get a guaranteed 8% per year return for delaying beyond your FRA until age 70" Incorrect. You get an 8% increase in a future benefit, not an 8% return. You do understand the distinction don't you? It's like if I owe you $1, but every day I see you I don't have your money but I tell you I'm going to pay you double what I owed you the last day. And I keep doing that all week. Did you make a 2 to the power of n return on the money owed? No, you just got the promise increased with no actual material return. Delaying to 70 is definitely not better if you're trying to optimize for return. All th way from 62 to 70 I get to collect money while someone 69 hasn't even collected a single dollar waiting till 70. Ok great once they got there they get to start collecting a much higher amount, but I'm sitting over here with my 350k nest egg which is going to completely destroy your monthly payments and on top of that I'm still collecting.

Paperback_Chef

We've done the math, and delaying until 70 is better. You get a guaranteed 8% per year return for delaying beyond your FRA until age 70 - I know the OP thinks they'll EARN 8% in the market but that's not guaranteed, whereas the SS increase is, and it's valuable since all future payments and cost-of-living adjustments are based on that higher initial payment. I plan to delay SS until age 70 assuming I'm in good health and treat it as longevity insurance, ensuring a steadily increasing series of payments that will bolster my investment accounts if I live beyond my planned life expectancy.

look-listen

Yeah, he just can’t count those dollars that are withheld as being invested in those years leading up to FRA.

look-listen

FYI - If you continue to work and decide to take benefits before FRA you are also limited in the amount of earned income you can have before $$ is deducted from your benefit: https://www.ssa.gov/benefits/retirement/planner/whileworking.html#:~:text=If%20you%20are%20younger%20than,2024%2C%20that%20limit%20is%20%2422%2C320. “When you begin receiving Social Security retirement benefits, you are considered retired for our purposes. You can get Social Security retirement or survivors benefits and work at the same time. However, there is a limit to how much you can earn and still receive full benefits. If you are younger than full retirement age and earn more than the yearly earnings limit, we may reduce your benefit amount. If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2024, that limit is $22,320. In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit. In 2024, this limit on your earnings is $59,520. We only count your earnings up to the month before you reach your full retirement age, not your earnings for the entire year.”

GalacticMegaHold

[https://www.accesswire.com/882464/fsd-pharma-receives-ethics-committee-approval-for-a-phase-1-multiple-ascending-doses-clinical-trial-for-lucid-21-302-lucid-ms-in-australia](https://www.accesswire.com/882464/fsd-pharma-receives-ethics-committee-approval-for-a-phase-1-multiple-ascending-doses-clinical-trial-for-lucid-21-302-lucid-ms-in-australia) **TORONTO, ON / ACCESSWIRE / June 27, 2024 /** FSD Pharma Inc. (NASDAQ:HUGE)(CSE:HUGE)(FRA:0K9A) ("**FSD Pharma**"), a biopharmaceutical company dedicated to building a portfolio of innovative assets and biotech solutions to address ailments affecting millions worldwide, today announces that it has received approval by the human ethics review committee (HREC) in Australia for its trial entitled "A Phase 1, Randomized, Double-Blind, Placebo-Controlled, Multiple Ascending Dose Study to Evaluate the Safety and Pharmacokinetics of Lucid-21-302 in Healthy Adult Participants." Lucid-21-302 is a first-in-class, non-immunomodulatory, neuroprotective compound with a unique mechanism of action for the treatment of multiple sclerosis (MS). It is a patented New Chemical Entity that has been shown in preclinical models to prevent demyelination, a known cause of MS and other neurogenerative diseases characterized by damage to the myelin sheath surrounding nerve fibers in the central nervous system. "After much hard work designing this MAD trial, we are thrilled that we have received HREC approval, and the trial can now commence. This marks an important step in the clinical development of Lucid-21-302 (Lucid-MS)," said Dr. Andrzej Chruscinski, Vice-President, Scientific and Clinical Affairs at FSD Pharma. In addition, the company issued 400,000 Class B Subordinate Voting shares in the capital of the Corporation ("Class B Shares") to arm's length creditors at the deemed price of $0.30 per Class B Share to settle an aggregate of $120,000 of amounts owing. **About FSD Pharma** FSD Pharma is a biopharmaceutical company dedicated to building a portfolio of innovative assets and biotech solutions for the treatment of challenging neurodegenerative and metabolic disorders and alcohol misuse disorders with drug candidates in different stages of development. Through its wholly owned subsidiary, Lucid Psycheceuticals Inc. ("**Lucid**"), FSD is focused on the research and development of its lead compound, Lucid-MS (formerly Lucid-21-302) ("**Lucid-MS**"). Lucid-MS is a patented new chemical entity shown to prevent and reverse myelin degradation, the underlying mechanism of multiple sclerosis, in preclinical models. FSD Pharma invented unbuzzd™ and spun it out its OTC version to a company, Celly Nutrition, led by industry veterans. FSD retains ownership of 25.71% (March 31, 2024) of Celly Nutrition Corp. at www.cellynutrition.com. The agreement with Celly Nutrition also includes royalty payments of 7% of sales from unbuzzd ™ until payments to FSD Pharma total $250 million. Once $250 million is reached, the royalty drops to 3% in perpetuity. Additionally, FSD Pharma retains a large tax loss carry forward of approximately CAD$130 million and could be utilized in the future to offset tax payable obligations against future profits. FSD Pharma retains 100% of the rights to develop similar product or alternative formulations specifically for pharmaceutical / medical uses. FSD Pharma maintains a portfolio of strategic investments through its wholly owned subsidiary, FSD Strategic Investments Inc., which represent loans secured by residential or commercial property.

secret_configuration

It might be better to start drawing at 62. Sure, the benefit is reduced but you are already collecting for 5 years vs someone who starts at FRA. The breakeven is like 78...many of us won't make it that far.

Trader_santa

Long HPE (mid-long term). Short arm (shortterm). AMD (Short-Midterm). PYPL (midterm). FRA: 52K (longterm). STLAM (midterm). TYO: 9984 (short-midterm). The: HPE juniper arbitrage, and synopsis & ansys arbitrage.

Pleasant-Sugar7938

I've been using Marcus and loving it. Still have 5 spots left! New Marcus High Yield Savings Account 5.4% APY referral link: [https://www.marcus.com/us/en/savings/referral?referralcode=FRA-1PQ-EJG8](https://www.marcus.com/us/en/savings/referral?referralcode=FRA-1PQ-EJG8)

Silly_Butterfly3917

The Gdp to debt ratio is way more important. As far as that goes, ours is a little high, but does anyone truly know the best gdp to debt ratio for growth and productivity? https://www.imf.org/external/datamapper/GG_DEBT_GDP@GDD/CAN/FRA/DEU/ITA/JPN/GBR/USA Japan seems fucked tho lol

hatakerach

67 is FRA for most boomers now.

Shiddy_Wiki

3.22% today on 1,069. Math checks out. [https://markets.ft.com/data/equities/tearsheet/summary?s=NVD:FRA](https://markets.ft.com/data/equities/tearsheet/summary?s=NVD:FRA)

GalacticMegaHold

[https://www.accesswire.com/863905/fsd-pharma-provides-update-on-celly-nus-new-packaging-for-unbuzzdtm](https://www.accesswire.com/863905/fsd-pharma-provides-update-on-celly-nus-new-packaging-for-unbuzzdtm) **TORONTO, ON / ACCESSWIRE / May 16, 2024 /** FSD Pharma Inc. (NASDAQ:HUGE)(CSE:HUGE)(FRA:0K9A) ("**FSD Pharma**"), provides an update by way of a news release issued by Celly Nutrition Corp. ("**Celly Nu**"), its new packaging and logo of unbuzzd™ expected to launch this summer, an innovative beverage product that is scientifically formulated from a proprietary blend of vitamins, minerals and botanical extracts designed to support the body's natural processes for metabolizing alcohol and promoting alertness. On May 16, 2024, Celly Nu and SIX+ONE unveil new packaging and logo for unbuzzd™ expected to launch this summer: **Toronto, Ontario, May 16, 2024 -** Celly Nutrition Corp, makers of unbuzzd™, a pioneering beverage company for innovative, cutting-edge alcohol metabolizing technology for recreational use products, is thrilled to announce the launch of its newly designed packaging and logo, meticulously crafted in collaboration with the renowned branding agency, Six+One. This launch signifies a pivotal moment in unbuzzd's journey in preparation for the expected launch this summer. The newly introduced packaging and logo blend a playful, energetic, and unexpected aesthetic with a fresh, upscale finish. This combination not only reflects a premium and distinct look but also captures unbuzzd's unique personality, resonating with a diverse audience ranging from college students to working professionals, and even those golfers who are mindful of family commitments. The design features a vibrant green and yellow color scheme that hints at the beverage's "clear-eyed citrus" flavor, appealing to a broad demographic of drinkers. The fluid and fun logo is designed to connect with consumers on a deeper level, striking a refreshing balance between enjoyment and responsibility. John Duffy, CEO of Celly Nutrition, expressed his excitement about the new branding, stating, "At unbuzzd, we view branding as a crucial element in connecting with our consumers. It goes beyond visual identity; it's about making a meaningful impact. Our design encapsulates this philosophy by merging fun with sophistication, proving that serious products can be both enjoyable and engaging." Eric Rojas, Founder of Six+One, elaborated on the design choices, "We chose a deep natural green and a sunny yellow to reflect the vibrant, citrusy essence of the drink. It's crucial for us to find the overlap of fun and science, ensuring the brand remains accessible yet distinctive." The design extends to all packaging formats, including a 12 oz slim can, powder sticks, and outer pouch packaging. Six+One faced the challenge of balancing personality with purpose in a way that speaks to consumers. While the packaging is fun, sophisticated, and inviting, it also highlights that the product is developed by world-class R&D in Pharmacology and Medicine. It emphasizes key benefits like promoting alcohol metabolism, restoring mental clarity, and rehydrating the body. Furthermore, it underlines the importance of responsible drinking, with a clear message that the only safe way to drive is with a 0.0% BAC. This branding initiative is a testament to unbuzzd's dedication to evolution and connection, aligning with Six+One's philosophy of emphasizing a brand's purpose beyond its products. By focusing on meaningful consumer interactions, unbuzzd is poised to enrich the beverage experience and forge stronger connections across its diverse consumer base expected to start this summer.

Alarmed-Apple-9437

“The Fund also singled out the high debt levels in China and the United States, saying loose fiscal policy in the latter puts pressure on rates and the dollar” While I agree that US fiscal policy and government spending are too high, they remain the lowest among the G7 countries as a percentage of GDP. https://www.imf.org/external/datamapper/exp@FPP/USA/FRA/JPN/GBR/SWE/ESP/ITA/ZAF/IND

SupportCompetitive63

I see the world as does mgblst (take SS at FRA).

Brydon28

Divorced 15 years ago. I was forced to retire at 66 when my department was eliminated. I semi retired se FRA and took a really great p/t job. The SS alone enables me to pay the bills which includes a small mortgage payment. Can’t rent for less and that’s ok. I can leave the house to my two daughters because I don’t have much else . Salary from the job enable me to save modestly for repairs and a little playtime. I’ll be needing a new car in the next few years which makes me nervous but I just live modestly and save for the down payment. I’m an artist and go to art fairs which doesn’t pay the bills but it’s become a community for me. So had AA. So yes, if you’re frugal and live within your means you can live on SS.

CapeMOGuy

No. Increases start at about 5.5%/year. The 8% increase (8% of FRA benefits added each year-not compounded) is only from FRA to 70. https://www.schwab.com/learn/story/guide-on-taking-social-security

JustRedditingAlong

Having a weaker currency relative to the rest of the world can help boost exports & shrink trade deficits. Generally ETFs with large (or all) Turkish company exposure have actually done okay in the last 2 years. However, this was after the initial pain came. What’s my exposure to Turkey? I have a massive position in a company with a market cap that is too low to be discussed on WSB due to mods rules. But they are a nat gas producer coming off a huge sell-off after a fund manager committed suicide after he lost millions of dollar of the funds assets in risky positions. There was a massive sell off when the rest of the funds portfolio was liquidated including this TSX.v / OTC / FRA listed company.

waitinonit

In 1983, Congress increased the full retirement age (FRA) from 65 to 67, a change phased in over the course of 33 years. If there's an increase in the retirement age it will also be phased in. IMO, raising the cap on wages subject to SS withholding will be required. Short of that it's, as they say, just rearranging the deck chairs on the Titanic.

aswarriorwyo

For SS, FRA is already 67. Do you mean raise Medicare to 65? Or do you mean raise the SS reduced payout option higher than 62? Otherwise, I what do you mean raise retirement to 67?

visionarymind

#Lel, there’s not even data for 2023 yet & less than a fiscal quarter into FY24, emergency funding resolutions, GDP means nothing 😂😂😂😂🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣 > https://www.imf.org/external/datamapper/exp@FPP/USA/FRA/JPN/GBR/SWE/ESP/ITA/ZAF/IND

fn_gpsguy

And, even if you contributed to social security outside of your State job, WEP and GPO will reduce your potential benefit. Though I have reached my FRA (and my spouse passed away), I’m not even going to apply until I get to 70 1/2. If there is any benefit - I don’t want that income yet.

RedditLIONS

FRA is Frankfurt though.

Enough-Ambassador478

You're taking AI summarized garbage as truth, it's quoting the Federal Railway Administration under Trump in 2019: "“California has abandoned its original vision of a high-speed passenger rail service connecting San Francisco and Los Angeles, which was essential to its applications for FRA grant funding,” it said. " https://www.railway-technology.com/features/will-california-ever-get-its-high-speed-rail/?cf-view

nroose

As a percent of GDP, US Debt has been going down during Biden. Went up a lot during the pandemic. And it's not the highest among the g level countries. [https://www.imf.org/external/datamapper/CG\_DEBT\_GDP@GDD/CHN/FRA/DEU/ITA/JPN/GBR/USA](https://www.imf.org/external/datamapper/CG_DEBT_GDP@GDD/CHN/FRA/DEU/ITA/JPN/GBR/USA)

Jrahe42

I don’t see it mentioned here but don’t forget to create an account with social security and come up with a strategy of who should take it at what age. Depends on your circumstances, life expectancy, etc but as a general rule if you plan to live to 80+ wait till FRA (full retirement age) or even delay till 70. Research social security break even calculator with your projected monthly benefits. You can use some of those retirement assets too to delay SS. 67-70 is an annual increase of 8%.

CSXrodehard

Well he’s generally considered a pro big business president, certain sectors of the US business world have a tendency to act without restraint during that kind of presidency, so short term gains are likely. I’m no expert on the US economy and how it relates to the president, but I do have 25 years of experience on a major railroad, and under Trumps appointments to the FRA and his leadership he signaled to all the class one railroads that the government was on board with the adoption of one man crews. What does that have to do with big business acting without restraint you ask? Well here is how all the class one railroads interpreted that signal from the government. They used it as an excuse to reduce their workforce by 30% right during first bite of COVID. They weren’t able to service their customers because they had fired and furloughed so many employees that were not willing to come back to work when they called. The shit that rolled down hill from that was so bad, Congress and the Surface Transportation Board had to summon CEO’s to appear before them. Do you know what the railroads response was? If you let us implement one man crews, we can solve the problem. For four years we had Trump and an interesting correlation to that was that most contract workers had not been offered a new contract with pay raises in 5 years, the railroads would not even negotiate. After the flak they received for failing to service customers and saying they could solve the problem with one man crews, they were strongly urged to negotiate a new contract in order to entice old and new employees to come to work. Yeah I know I went on a rant, I even voted for him, but I’m here to tell you, how Trump impacts the US economy is a gamble.

Only_Ad_4782

$SWISF Sekur Private Data Ltd. (CSE: SKUR) (OTCQB: SWISF) (FRA: GTD0) Offering SekurMessenger, its Encrypted Messenger App, Amid SEC FINRA Violations Crackdown [https://techmediawire.com/sekur-private-data-ltd-cse-skur-otcqb-swisf-fra-gtd0-offering-sekurmessenger-its-encrypted-messenger-app-amid-sec-finra-violations-crackdown/](https://techmediawire.com/sekur-private-data-ltd-cse-skur-otcqb-swisf-fra-gtd0-offering-sekurmessenger-its-encrypted-messenger-app-amid-sec-finra-violations-crackdown/)

JustMowingTheLawn

Bayer with a cool -19% at FRA.

rmslashusr

If that were the case one would expect inflation to be a gradient with the USA as the source most directly impacted and close trading partners US consumers buy products from the next highest and so on. Instead you see USA having one of the lowest inflation rates out of developed countries with capitalist economies. Our monetary policy can’t simultaneously be the source of the entire world’s inflation and yet have the lowest level of inflation. https://www.imf.org/external/datamapper/PCPIPCH@WEO/WEOWORLD/USA/GBR/RUS/MEX/FRA/CAN/DNK/DEU/IRL/SWE/ITA

eattacosallnight

That’s just a stupid comment. Lots of good performers in FRA like Schneider Electric (power distribution), Dassault (military), Safran (jet engines for 737s), LVMH (luxury goods), Renault, etc.

GalacticMegaHold

**FSD Pharma and Celly Nu Enter Into Arrangement Agreement** [**https://www.accesswire.com/790197/fsd-pharma-and-celly-nu-enter-into-arrangement-agreement**](https://www.accesswire.com/790197/fsd-pharma-and-celly-nu-enter-into-arrangement-agreement?fbclid=IwAR3t81ryPWNRTZ6ES6uJpBQ0515ZY-NBOPVcFs0oLhBCuQeCrk3MDQOuftA) ​ **TORONTO, ON / ACCESSWIRE / October 5, 2023 /** FSD Pharma Inc. (NASDAQ:HUGE)(CSE:HUGE)(FRA:0K9A) ("**FSD Pharma**" or the "**Company**"), a biopharmaceutical company dedicated to building a portfolio of innovative assets and biotech solutions, and Celly Nutrition Corp. ("Celly Nu") announced today that they have entered into a definitive arrangement agreement dated October 4, 2023 (the "Agreement") with respect to the distribution of a portion of FSD Pharma's shareholdings of Celly Nu to certain securityholders of FSD Pharma (the "Transaction"). **The Agreement** Pursuant to the Agreement, the Company will recommend to the holders of class A multiple voting shares ("Class A Shares"), class B subordinate voting shares ("Class B Shares"), and warrants exercisable for the purchase of Class B Shares, provided the applicable warrant certificate entitles the holder thereof to receive distributions substantially similar to those received by holders of Class B Shares ("Class B Distribution Warrants", collectively with the Class A Shares, and the Class B Shares, the "FSD Pharma Securities") at an upcoming special meeting (the "Meeting") to distribute common shares in the capital of Celly Nu ("Celly Shares") to the holders of the FSD Pharma Securities ("FSD Pharma Securityholders"), on the basis of one Celly Share distributed in respect of each FSD Pharma Security that is issued and outstanding as of the final record date for the Transaction (the "Distribution Record Date"). The Company expects that this will result in an aggregate of approximately 45,714,621 Celly Shares being distributed to the FSD Pharma Securityholders (the "Distributed Shares") and an aggregate of approximately 154,285,379 Celly Shares retained by the Company, in each case assuming that the number of FSD Pharma Securities remains unchanged between today and the Distribution Record Date. Subject to the approval of the FSD Pharma Securityholders, the Transaction will be effected by way of a court approved plan of arrangement ("Plan of Arrangement") under the provisions of the Business Corporations Act (Ontario). The Distribution Record Date will be announced promptly following receipt of the requisite approval of the FSD Pharma Securityholders and regulatory approvals. There will be no change in FSD Pharma Securityholders' proportionate ownership in FSD Pharma Securities as a result of the Plan of Arrangement. In addition, holders of FSD Pharma options ("FSD Options") and non-distribution warrants ("Non-Distribution Warrants") as at the effective date of the Plan of Arrangement will have such FSD Options and Non-Distribution Warrants adjusted in accordance with their terms as a result of the Transaction. **The Meeting and Closing Conditions** The meeting of the FSD Pharma Securityholders to consider and vote upon a special resolution (the "Arrangement Resolution") approving the Plan of Arrangement will be held virtually on November 20, 2023, at 1:00 p.m. (Toronto time) (the "Meeting"). Further information concerning the Plan of Arrangement and the Meeting will be provided in subsequent news releases, and the management information circular of the Company which will be filed on SEDAR+. Closing of the Transaction is subject to a number of conditions, including (i) approval of the FSD Pharma Securityholders at the Meeting; (ii) court approval of the Plan of Arrangement; and (iii) certain other customary conditions as further set out in the Agreement. FSD Pharma Securityholders are cautioned that final details of the Plan of Arrangement are subject to change and that there is no certainty that the Transaction will be completed as currently proposed or at all. **About FSD Pharma** FSD Pharma Inc. is a biotechnology company with two candidates in different stages of development. Lucid Psychss Inc., a wholly owned subsidiary, is focused on the research and development of its lead compounds, Lucid-MS and UNBUZZD™. Lucid-MS is a molecular compound identified for the potential treatment of neurodegenerative disorders. UNBUZZD™ is a proprietary formulation of natural ingredients, vitamins, and minerals to help with liver and brain function for the purposes of potentially quickly relieving from the effects of alcohol consumption, such as inebriation, and restoring normal lifestyle. **About Celly Nu** Celly Nu is a pre-revenue, early-stage research and development company that intends on developing and manufacturing consumer products in the dietary supplement industry. Celly Nu is primarily focused on developing its business through certain intellectual property assets to create recreational and consumer prototype products that are expected to alleviate inebriation due to excessive alcohol consumption. **Cautionary Note Regarding Forward-Looking Information** This news release contains "forward-looking information" within the meaning of applicable Canadian securities legislation. "Forward-looking information" includes, but is not limited to, statements with respect to the completion of the Agreement and the Transaction; the anticipated timing of the Meeting, closing of the Transaction; the anticipated benefits of the Plan of Arrangement for FSD Pharma Securityholders; the satisfaction or waiver of the closing conditions set out in the Agreement, including receipt of all regulatory approvals; and the satisfaction final approval of the Agreement by the Canadian Securities Exchange and other activities, events or developments that the Company or Celly Nu expects or anticipates will or may occur in the future. Generally, but not always, forward-looking information and statements can be identified by the use of words such as "plans", "expects", "intends", "estimates", "intends", "anticipates", or "believes" or the negative connotation thereof or variations of such words and phrases or state that certain actions, events or results "may", "could", "would", "might" or "will be taken", "occur" or "be achieved" or the negative connotation thereof. Such forward-looking information and statements are based on numerous assumptions, including the ability of the parties to receive, in a timely manner and on satisfactory terms, the necessary regulatory, court and shareholder approvals; the ability of the parties to satisfy, in a timely manner, the other conditions to the completion of the Agreement and the Transaction; that general business and economic conditions will not change in a material adverse manner. Although the assumptions made by the Company or Celly Nu in providing forward-looking information or making forward-looking statements are considered reasonable by management at the time, there can be no assurance that such assumptions will prove to be accurate. Forward-looking information and statements also involve known and unknown risks and uncertainties and other factors, which may cause actual events or results in future periods to differ materially from any projections of future events or results expressed or implied by such forward-looking information or statements, including, among others: the diversion of management time on Transaction-related issues; reliance on key management and other personnel; potential downturns in economic conditions; actual, and risks generally associated with the biotechnology or nutritional supplement industry, changes in laws and regulations, community relations and delays in obtaining governmental or other approvals. Although the Company and Celly Nu have attempted to identify important factors that could cause actual results to differ materially from those contained in the forward-looking information or implied by forward-looking information, there may be other factors that cause results not to be as anticipated, estimated or intended. There can be no assurance that forward-looking information and statements will prove to be accurate, as actual results and future events could differ materially from those anticipated, estimated or intended. Accordingly, readers should not place undue reliance on forward-looking statements or information. The Company or Celly Nu undertakes no obligation to update or reissue forward-looking information as a result of new information or events except as required by applicable securities laws. Additional information relating to FSD Pharma, including its annual information form, can be located on the SEDAR website at www.sedar.com and on the EDGAR section of the SEC's website at www.sec.gov.

apeawake

Investors buying equities from 1999 to 2009 (eleven years) were still underwater after over a decade of investing. Just be glad you weren’t here going all in during 2006 or 1998. Sure, the same could happen now, but then again it might not. That’s the game. That’s the risk we’re paid for. I would advise to owning cheaper equities like VBR or cash flow quality companies like COWZ. My “cash position earns over 7% in JAAA. Once spreads widen, FRA is a great play in the high yield space.

OkAi0

FRA:CLIQ claims to have a „Netflix-like“ subscription business but is clearly scam (hundreds of subsidiaries creating subscriber traps). I think it’s just a matter of time before it heads to zero.

silverslides

It's mainly a problem in the USA, Canada and the UK https://www.imf.org/external/datamapper/HH_LS@GDD/CAN/GBR/USA/DEU/ITA/FRA/JPN/BEL

Duchamp1945

As a expert in this field, you would be shocked at the number of people who are hit by trains and live. Source: I do the FRA investigations.

Efficient_Bet_1891

Here’s a link that might help. Lithium is a go to mineral, interesting as Ukraine has quite a bit that Putin has his eyes on: https://www.google.com/finance/quote/INEN:FRA

MightBeJerryWest

What about FRA?

Ducky181

It appears you seem to have a significant misunderstanding regarding the benefits of the supposed petrodollar, as the USA does not receive benefits associated from This is evident by looking at the treasury rates of other developed nations, which includes government debt securities, including short-term Treasury bills, medium-term Treasury notes, and long-term Treasury bonds, which indicates that the USA is not an outlier among them. United States: around 2.2% (as of April 2013) to around 1.6% (as of April 2022) Germany: around 1.6% (as of April 2013) to around -0.3% (as of April 2022) Japan: around 0.6% (as of April 2013) to around 0.1% (as of April 2022) United Kingdom: around 1.7% (as of April 2013) to around 0.9% (as of April 2022) Canada: around 2.2% (as of April 2013) to around 1.5% (as of April 2022) Australia: around 3.1% (as of April 2013) to around 1.8% (as of April 2022) Furthermore, there is no evidence to indicate the USA engages in excess borrowing of when compared to other developed nations. The Swiss Confederation (CHE) at 285.00% The United Kingdom of Great Britain and Northern Ireland (UK) at 273.06% The French Republic (FRA) at 253.35% The Republic of Finland (FI) at 218.00% The Kingdom of Spain (ES) at 170.00% The Republic of Austria (AT) at165.00% The Federal Republic of Germany (DE) at 160.35% The nation of Canada (CA)at 143.00% The Italian Republic (IT) at 141.00% The Commonwealth of Australia (AU) at 130.00% The United States of America (USA) at 121.08%

Terrorzwergi

Can’t you choose your market place? Like XETRA or FRA for $AFX.DE

BrainsNotBrawndo

* Rang register of Deutsche Bank ($DBK.FRA)for a small short-hold gain. * Came about by [successfully shadow-trading an expert I follow](https://www.reddit.com/r/wallstreetbets/comments/122ru0h/eggon_says_db_go_up/?utm_source=share&utm_medium=ios_app&utm_name=iossmf) * Solid thesis. Dude’s got a hot ~~hand~~ claw

BrainsNotBrawndo

Deutche Bank already opening up in Europe up 5% (ticker $DBK.FRA). I’m am glad Eggon has a steady claw on the tiller, to guide us during these turbulent times

ninkorn

FRA is dead boys ☠️☠️☠️☠️

blackviper69

Predictmedix Inc (CSE: PMED; OTCQB: PMEDF; FRA:3QP) plans to make its AI-powered, non-invasive diagnostics available in mobile applications in the future. The company said Predictmedix has begun production of its mobile application for cannabis and alcohol impairment detection. This involves connecting an AI-driven mobile app with a wearable multispectral imaging camera to detect impairment caused by alcohol and cannabis. The non-invasive solution targets global law enforcement, transportation and other high-risk mobile industries.

Astronomer_Soft

https://en.macromicro.me/charts/45928/us-fra-ois-spread Shows 3 month FRA-OIS spread at 46.8. Where did you get 70?

taker52

Op argues that while the big four US banks are unlikely to fail, the banking system outside of the United States, specifically the Eurodollar market, is at risk due to extreme stresses on two levels. Firstly, the FRA-OSIS spread is at a higher level than during the depth of the COVID-19 crash, indicating that banks are becoming wary of lending to each other. Secondly, Eurodollar futures have spiked, showing a massive bid for dollar deposits outside of the United States. This poses a risk to overseas banks, which may default on dollar loans and face deposit runs. The collapse of global money center banks would lead to a deflationary collapse, causing a global economic downturn

VisualMod

>The FRA-OIS spread is a measure of the difference between two interest rates: the 3-month Forward Rate Agreement (FRA) and the Overnight Index Swap (OIS) rate. The FRA rate is the expected interest rate on a loan that will start in the future, while the OIS rate is the interest rate on unsecured loans between banks. A high positive FRA-OIS spread can indicate that banks are more hesitant to lend to each other in the short term. This can happen because banks might be worried about not being repaid, or they might not have enough money to lend. In other words, the FRA-OIS spread is a measure of how risky banks perceive lending money to other banks to be. For example, imagine that you lend money to a friend who doesn't have a job. You might be worried that they won't be ableto pay you back, so you charge a higher interestrate to make up forthe risk . Banks do th e same thing when t hey len d m oney t o eachother , an dth e FR A - OI S sp read i s ameasureof h ow mu chthey ' rechargingt o compensatefor therisk .

VisualMod

**User Report**| | | | :--|:--|:--|:-- **Total Submissions**|1|**First Seen In WSB**|2 years ago **Total Comments**|4|**Previous Best DD**| **Account Age**|8 years|[^scan ^comment ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_comment&message=Replace%20this%20text%20with%20a%20comment%20ID%20(which%20looks%20like%20h26cq3k\)%20to%20have%20the%20bot%20scan%20your%20comment%20and%20correct%20your%20first%20seen%20date.)|[^scan ^submission ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_submission&message=Replace%20this%20text%20with%20a%20submission%20ID%20(which%20looks%20like%20h26cq3k\)%20to%20have%20the%20bot%20scan%20your%20submission%20and%20correct%20your%20first%20seen%20date.) >TL;DR: The 3-month FRA-OIS spread is a measure of how risky banks perceive lending money to other banks to be. A sudden spike in the FRA-OIS spread can be a warning sign of trouble in the banking system.

Sad_Chest1484

What are you talking about? I love how you break down a banks comp that easily. You need to take into consideration this banks are masters of ALM mismatches. Banks do not simply borrow short (deposits, o/n markets, etc) and lend long. They manipulate their asset composition so the duration of their equity is equal to asset and liability duration. As a front end rates trader you need to pay attention to a lot for example: 1) Bank reserves 2) Fed funds 3) Repo/ SOFR 4) FRA/ OIS 5) FHLB advances, discount window usage None of these are showing stress even as of last week. Term markets had some stress as expected. Look at deposit distribution, they’re all centered around the largest banks and tend to be sticky. Sure they’re losing some now as QT continues but we are NOT at a point where that is driving markets. If QT continues and fed keeps hiking it will be but as of right now there is 0 concern. This is a regional bank issue. Look at their net interest expense, they are paying up for deposits. fyi, unrealized losses are not only a bank issue, this is impacting every single asset manager. What you don’t see is the derivatives hedging interest rate losses that protect a portfolio.

I_barely_know_u

The FRA is completely useless.

JustMowingTheLawn

LOL, deutsche with a cool -8% @ FRA.

Volkswagens1

It's what happens when the FRA is in bed with CEO of the company's and all they do is play golf and discuss the payoff.

blackviper69

TORONTO, ON / ACCESSWIRE / March 8, 2023 / Predictmedix Inc. ("Predictmedix" or the "Company") (CSE:PMED) (OTCQB:PMEDF) (FRA:3QP), an emerging provider of rapid health screening solutions powered by a proprietary artificial intelligence (AI), today announced the completion of a 1600-person clinical study taken place at a prominent University in Indonesia for the purpose of validating the company's AI-powered non-invasive screening technology in order to prepare for the regulatory approval application to classify Safe Entry as a medical device.

kjn24

Those are probably FRA reportable derailments.