BMO输官司陪了1.12billion

[jo jo]

加拿大几个大银行高度垄断
除非国际投资严重失利，or本国房地产崩溃，不然很难有亏损吧 有那么多肥羊嗷嗷待宰
财报都在那儿，加了超高的坏债准备金，还有很大盈利
RBC刚买了美国一个投行，居然还有钱一口吃下汇丰


央行倒是会因为操作跟不上加息速度 有账面亏损，但央行也不可能破产， 亏了也不影响他们工作 等政府补水就是了

[jo jo]

Don’t mention 电讯，， ，

所以一定要做金融投资，打不过 就当自己的股东找补回来些些
都是yield将将抵得过通胀的 小河叫做 垃圾绩优股 还 绩优垃圾股？ 的东西

[jo jo]

作者: roomspare

你没仔细看，他们使用了一些技术手法，而且都说了他们人为炒高了30%的股价。其中cibc最过分，不但分股而且把股价炒到和原股一样高，平白就从接盘侠那里多捞了一倍。当然和比特币空手套白狼还是差了一个等次。

作为上市银行，尤其是加拿大银行，用“技术”自己炒高自己的股价是没有意义的，又不是准备卖盘or增发
拆股不是增发
新冠后六大行的财报都是超高的收益，说他们亏损的，也太脱离事实了，最多是近期收益收窄

如果你说的“他们”是指六大行total，有那个意思，他们互相持有的比例挺重的，RBC就是cibc最大holder机构，但这都是正常的金融行为，除非有人能举证他们合谋操纵。

[jo jo]

怎么越说越乱，会计造假不是正常金融技巧，是蛮严重的指控
具体收益在财报里都有解释的啊，可以有不同的解读，但不好天马行空吖，他们的业务就是趁疫情薅了这么多钱呢，不止薅国人的，国际业务的收益也不错 疫情期间全世界QE大放水，水没地方走惯例都是要么储在银行要么走去房市 也是经转银行
银行板块被追捧是投资者觉得它值这个钱，不是上市公司觉得它值这个，上市公司只有在发行时和券商有定价行为

SVB最高峰算全合并总资产不过两千多亿，和六大不是一个量级的吧 而且它是风控出问题 不是财务造假

[jo jo]

嗯呐 不是很理解，reversal是提高不了收入的说，这是基本会计知识吖

但大行都有很重的投行业务，他们肯定有金融财技，区别是合法还是灰色边边，除非有证据 才能列入分析里吖，如果都靠感觉避险，那就没有任何股票是值得投资的咯，咱只能自己做实业 赚安稳钱
中文舆论里还有说svb破产是对华人资产有预谋狙击的呢 脑洞有点大

svb的事儿 是它自己坦白的啊，狗剩只是做该做的事儿 及时股评，总不能svb很糟糕 但不能说吧

[jo jo]

加股里我只买了RBC和First National，没具体看cibc的，但是修改成本分摊 这也是正常会计手段，没什么问题吧？


周五狗剩还有分析师建议趁低买入银行股 我load了点NEWT， 被套了 周一应该能解套
顾问不是执行师傅啊，svb业务部署失策，执行失策，公关失策 责无旁贷的说

[jo jo]

没事 很早load满的，只是错过了高位止盈，问题不大 就一丢丢 没准备卖的说

哈哈 今天走狗屎运了， 早上匆忙止损NEWT，赶着开会 没留意 提交没成功。。。 NEWT好像有机反弹了呢 算了 没时间搞 可能天意让不卖？ 只千把股 等情况明朗化吧

[jo jo]

不记得啥时候了 成本RY58(usd) FN28(cad)，都很少 各250

NEWT还被套着。。。

[jo jo]

I retired and just returned back to job market.
shall dare to dream big, I would rather image single-winning 649 gold ball

[jo jo]

were mah

I believe people got misunderstanding and always forget luck is part of wisdom，or part of one's strength;
buying a right stock requires a lot of luck to know sufficient info to support the decision, it's not our own company, we are not even insider.
Buffet is a very lucky man, we are just not smart enough to be lucky.

maybe it's just most of us are just missing such wisdom, then fool ourselves luck is just luck not under our control.

[jo jo]

Same as all games having its cracking point, 649 must have a sure-win resolution; it's just me not smart enough to figure it out yet.

Probably our definitions are different.
you have defined luck as uncontrollable.
while I believe all characteristics have a way to control;
God only favors those who are prepared.
To distinguish from wisdom, maybe luck's definition shall be: something we can't literally explain yet, but it's surely a thing not being granted randomly, we have to pay a price to own it. With days go by, the more luck we gain till we are able to summarize what these lucks are, at the moment it turns to wisdom.

anyhow
Maybe I am wrong, my conclusion comes from the fact I've never seen a single lucky dunce ever.

Luck is same as wisdom, it's accumulated via experince.

Let's take analyzing a stock as an example.

Without running the company ourselves, an outsider won't be able to figure out it's a good company just by so called skills;
these skills have to be applied on insider info,
that means we have to build channels to obtain insider info.
Smart people will research selective info based on their own skillset to make efficient decision as before. this practise ensures/resures accuracy of known knowledge, it only strenthens wisdom;
I have another practise to build luck, other than regular financial analysis, I would forget about the known skills, just gather whatever info, regardless it's currently useful or not, the more the better; who knows when it would turn useful.
although it won't garuntee making us rich immediately, but it does bring us closer to be the lucky one.

[jo jo]

yea, that's how we build our luck in the name of god.

Are you talking about the cases like how Muddy Waters' made money from shorting a company then publishing so called bad insider truth？
That is a different story. They targeted a company with proper concept and scale, then just do it.
they didn't buy the stock, they shorted it. It has nothing to do with the actual truth of the company, as long as they made the story appearing true, they won.
And same, finding such company at a right timing relies on both luck and skills.

[jo jo]

yes, increase the possibility to " get any chance", that's how we can build the luck.

[jo jo]

you mean doing maybe useless work is hard working?? Interesting.

[jo jo]

it's just building up luck, can't be value-consolidated, then can't be claimed as "work".

[jo jo]

come on, I work hard at work, just not everything is work. I thought everyone has a life which shall include a lot more than work, ain't it??

[jo jo]

Oops, sorry. whats the original subject btw? The chat lasts too long I’m a bit lost.

[jo jo]

bmo？ I’m renewing one of the mortgages with it by June, probably will get more info to chat about.
BMO us just completed the requisition of Bank of the West，makes it the 15th biggest bank in US, it strengthens its not bad international business.
Shouldn’t be too bad this year, as the parent group back in Canada has tons of cashes, it won’t suffer shortage pain as other middle size banks.
Powell willl keep increasing rates, probably will promote BMO to the top 12th by next year.

[jo jo]

depending on which timespan you performed the compare;
Q4 2022 for the whole bank sector was so bad, rare to find any has less profit in Q1 2023 comparing to the previous Q4

[jo jo]

your local setting不pop up警告了而已

如果用Chrome，warning还在URL地址栏的左边，一个小三角中间有个感叹号，icon注释 Not secure