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This will be yet another drain on dwindling liquidity as bank deposits are raided to pay for it — and Wall Street is warning that markets aren’t ready.
The negative impact could easily dwarf the after-effects of previous standoffs over the debt limit. The Federal Reserve’s program of quantitative tightening has already eroded bank reserves, while money managers have been hoarding cash in anticipation of a recession.
JPMorgan Chase & Co. strategist Nikolaos Panigirtzoglou estimates a flood of Treasuries will compound the effect of QT on stocks and bonds, knocking almost 5% off their combined performance this year. Citigroup Inc. macro strategists offer a similar calculus, showing a median drop of 5.4% in the S&P 500 over two months could follow a liquidity drawdown of such magnitude, and a 37 basis-point jolt for high-yield credit spreads.
The sales, set to begin Monday, will rumble through every asset class as they claim an already shrinking supply of money: JPMorgan estimates a broad measure of liquidity will fall $1.1 trillion from about $25 trillion at the start of 2023.
“This is a very big liquidity drain,” says Panigirtzoglou. “We have rarely seen something like that. It’s only in severe crashes like the Lehman crisis where you see something like that contraction.”
https://finance.yahoo.com/news/trillion-dollar-treasury-vacuum-coming-135944792.html

He is 4 months and is a Cavapoo and the person giving him to us helped the mother give birth to 3 new puppies. She named him Chase. We don’t know if we should keep his name or change it.
We like silly names and so far the only name we came up with:
Frito (“fried” in spanish, because he reminds us of a crispy nugget)
Suggestions would help, thank you!!!
https://ibb.co/PxHXFpK https://ibb.co/QMkRNSr

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Hi /legaladviceuk. Apologies in advance for the wall of text!
I had a fun experience last week involving some plumbers who came to fix a blocked kitchen sink in my apartment, pretty run of the mill. I called up https://plumbforcedirect.co.uk/ and they quoted me £80 "Fixed price repair", as the website suggests. No mention of a callout fee - T&C's
Two guys turn up and I can instantly tell they're going to try it on, they look unprofessional from the get go. Before they've even started they talk about how complicated the pipes are (they're nothing special), obviously preparing for a upsell. The plunge for approximately 30 seconds (not an exaggeration) before saying there's nothing else they can do. The guys say it'll cost £450 and the only way to fix it is to get a rotary machine to clear things out but it'll 'make the pipes brand new' and they can do it right now. I ask them to snake it, and they say they can't because the pipes are too bendy (they're not...).
Presumably they think I was born yesterday and when I tell them I'm not interested they kindly called head office and 2 minutes later it's £375. I still say not interested - and 2 minutes later it's £325. I still say not interested and they 'use their friends and family discount' to get it to £300. I tell them I'm not interested and they start packing up.
Before they do they demand payment. They website specifies “fix price repairs” but doesn’t say about a call out charge, and they haven’t fixed anything. They thrust an invoice at me and say I have to sign it. They become threatening and refuse to leave until I sign the invoice which is false and claims in writing that they did try rodding it, but they definitely didn’t as I was in the room the entire 10 minutes they were there. I'm forced to sign and then they demand payment. I say ‘invoices are typically chargeable within 30 days’ and they scoff saying they’re not leaving until they’re paid (precisely what for alludes me).
I end up paying just to get them to leave, them having done nothing apart from try to rip me off. I paid a different guy from mybuilder.com to come round and he fixed it within 15 minutes, just plunging - no special expensive equipment and for less than a quarter of what these guys tried to charge.
TLDR; I can live without the £80, but I'd prefer not to contribute to these guy's dubious livelihoods. I've complained to Trading Standards, but I was wondering what the consequences of me doing a chargeback via my debit card company would be? I would like the money back out of principle, but I also don't want the hassle of them chasing after it if they realize the transaction's been reversed, if they are even likely to realise or care. If I do a chargeback, do I need to inform the company first or have engaged them to try to resolve/raise a dispute?
Does anyone have any advice? Based in England...
Thanks!

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Everyone I need help, I'm going to be in so much trouble! Basically just this morning I went to my sixth form to sit my maths paper 1 exam and I was a little bit early. I was about 58 minutes early. So I wondered to myself, what would be the best thing to do in this situation. Should I grab my maths practice papers out my bag and practice a few more questions? Or should I eat some pickled onion monster munch? Obviously the pickled onion monster munch. I took a short walk to the nearby ASDA, and bought some giant pickled onion monster munch. I ate them all, and looked at the time and noticed I only have 6 minutes and 42 seconds until the exam. I started to run back, but as I was about to put the empty packet in the bin, I noticed there was one crisp left... it was covered in pickled onion flavoring, it looked delicious. I went to place it in my mouth, but a huge gust of wind blew it away, I saw it fly through the air. But all of a sudden, it slammed into the ground, but luckily was completly intact. I went over to pick it up, but it got taken by the wind again, it glided through the air oncemore. Until it ricocheted off a bald man's head who was waiting for the bus. He looked around in confusion, but I was even more confused as to were the crisp had gone. Then in the corner of my eye, I saw it... it was in the entrance to the bus. I jumped on and snatched the crisp, but the doors closed... I sat on a seat after having to pay the driver for this ride. After a short journey to the next stop I got off. I was relieved. I had gotten my crisp. But then, a lady with a pram, acciendetly slammed into my back, pushing my forwards. As I fell to the ground I threw my arms up to catch me, but I dropped the crisp by mistake! It flew through the air for the third time. I chased it until we reached Pets At Home. As the crisp approached the automatic door, it opened it and flew through. As I approached the door it did not open. I am sick of them doors. After doing a bit of a dance and putting my arms in the air, it finally opened. I saw the crisp on the floor. In here, no more wind to fly around! But then! A fan turned on and flung the crisp into an open rabbit cage. Inside was a cute little rabbit, but also my crisp. I climbed inside, to obtain my prize. But then the rabbit charged at the crisp while I was inside, and knocked the crisp out the cage and chased after the crisp. The rabbit turned around, looked at me in the eyes, and shut the cage. It ran away leaving the crisp behind. Then an old lady approached. She didn't see me, but saw the crisp. She looked down, and said, "Ooo a crisp. Must be my lucky day". She grabbed the crisp and gobbled it, and left nothing behind. She walked out the store, and then the lights turned off and I heard the security people locking the doors. Guys help! I'm stuck in a rabbit cage at Pets at home and they locked the door. Omg wait. My exam! I missed my exam.......