Paul wall net worth 2022

Hey, I'm no expert at this kind of stuff but decided to do some quick stats for last years ADP compared with how players finished based on 5x5 scoring.
Players drafted in the top 100 that underperformed their ADP by around 100 or more in the rankings.
Pitchers
Performance:
*Lucas Giolitto *Josh Hader *Freddy Peralta *Trevor Rogers *Jose Berrios *Aroldis Chapman *Ranger Suarez *Craig Kimbrel *Jake Mcgee *Giovanny Gallegos *Eduardo Rodriguez
Injury:
*Walker Buehler *Lance Lynn *Jacob Degrom
Hitters:
Performance:
*Juan Soto *Whit Merrifield *Starling Marte *JD Martinez *Nick Castellanos *Yasmani Grandal *Tyler O'Neill *Ketel Marte *Javier Baez *Max Muncy *Franmil Reyes *Jake Cronenworth *Chris Taylor *Ronald Acuna Jr.
Injury:
*Bryce Harper *Byron Buxton *Luis Robert *Trevor Story *Tim Anderson *Adalberto Mondesi *Kris Bryant *Anthony Rendon *Giancarlo Stanton *Mitch Haniger
Players that came out of the top 200 and finished in the top 100 -
Pitchers:
*Spencer Strider *Tony Gonsolin *Nestor Cortes *Christian Javier *Tyler Anderson *Triston McKenzie *Kyle Wright *Jeffrey Springs *Drew Rasmussen *Ryan Helsley *Daniel Bard *Scott Barlow *Evan Phillips *Paul Sewald *Alexis Diaz *Felix Bautista *Jason Adam *Clay Holmes
Hitters:
*Julio Rodriguez *Michael Harris II *Nathaniel Lowe *Christian Walker *Anthony Santander *Adolis Garcia *Andres Giminez *Steven Kwan *Brandon Drury *Ian Happ *Amed Rosario *Taylor Ward
Obviously I'm only looking back to last year but I think the narrative that pitching isn't safe and that you can skip it for much more reliable hitting is a little overblown this year. Closers ended up being the most volatile from draft season value to end of season rankings. Anyway, thought it was worth some discussion.

I am on my way to saving $10k by July for an emergency fund. I work in health care and have the option to contribute to MPP. I've never had a pension before so I don't know if contributing around $400 a month towards MPP at 28 is even worth it. I've included my income/expense/savings below for context.
My net income per cheque after tax is:
$1500 (or $3000 per month)
Baseline expenses:
$672 Rent
$250 Meds
$336 Therapy
$1000-1200 (Food, Toiletries, Utilities, Gas)
Savings:
$333 Saving towards Emergency Fund
$100 Saving for Pet Emergency

Hello, fellow investors and FRC fans! I know you are all anxious to hear some good news about our beloved bank, especially after the recent turmoil in the market. Well, I have some good news for you: stop panicking on FRC, the alert's off. Yes, you heard me right. FRC is not going down the drain, and here's why.
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Before I go on, let me just say that I'm not a financial advisor, and this is not financial advice. I'm just sharing my thoughts on FRC, and you should do your own research before making any investment decisions. Don't sue me if you lose money, okay?
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What happened to FRC?
Now, let's get to the point. What happened to FRC? Why did it lose so much value in such a short time? And most importantly, will it recover?
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To answer these questions, we need to understand FRC's business model and the challenges it faces. FRC is a regional bank that specializes in serving wealthy clients in coastal urban areas, such as San Francisco, New York, Boston, and Los Angeles. It offers high-quality services, such as private banking, wealth management, mortgage lending, and business banking. It has a loyal customer base that gives it high ratings and referrals. Sounds great, right?
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Well, not so fast. FRC also has some unique risks that make it vulnerable to market shocks. The main ones are:

• - Client retention risk: FRC relies heavily on its deposits to fund its loans and investments. However, its deposits are mostly from high-net-worth individuals and businesses that are sensitive to interest rate changes and market conditions. When interest rates rise or the market crashes, these customers may withdraw their money and look for better returns elsewhere. This happened recently when Silicon Valley Bank (SVB), another regional bank that serves tech companies and startups, announced that it had suffered huge losses due to its exposure to risky loans. Many SVB customers panicked and pulled out their money, and some of them also had accounts with FRC. This caused a massive deposit outflow for FRC, which reduced its liquidity and capital ratios.
• - Interest rate risk: FRC has a large portfolio of fixed-rate loans and securities that lose value when interest rates rise. This is because fixed-rate assets pay a lower interest than the market rate, making them less attractive to investors. FRC also has a large amount of debt that it pays interest on. When interest rates rise, FRC's interest expenses increase while its interest income decreases. This squeezes its net interest margin (NIM), which is the difference between what it earns from its assets and what it pays for its liabilities. A lower NIM means lower profitability and lower equity value.

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These two risks combined to create a perfect storm for FRC in the past few months. As interest rates spiked due to inflation fears and Fed tapering expectations, FRC's assets lost value while its liabilities became more expensive. At the same time, as SVB's troubles became public, FRC's deposits fled to safer havens. This left FRC with a negative net worth (meaning its liabilities exceeded its assets) and a liquidity crunch (meaning it had less cash to meet its obligations).
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This is what happened to FRC in the past few weeks. According to a Wall Street Journal report, FRC lost about $70 billion in deposits, or 40% of its total deposits, in the fourth quarter of 2022. This caused FRC's balance sheet to shrink by about 20% and its equity value to turn negative when marked to market. This means that if FRC were to liquidate all its assets and liabilities today, it would not have enough money to pay back its shareholders.
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The reasons why I’m optimistic to FRC's future
So far so bad. But does this mean that FRC is doomed? Not necessarily. There are some reasons to be optimistic about FRC's future:

• - Customer loyalty: Despite the deposit outflow, FRC still has a loyal customer base that values its services and reputation. FRC has historically had low customer attrition rates (around 2%, compared to an industry average of 8%) and high net promoter scores (around 72%, compared to an industry average of 35%). These metrics indicate that FRC's customers are satisfied with their experience and willing to recommend FRC to others. This means that once the market stabilizes and confidence returns, some of the depositors may come back to FRC or at least keep their accounts open.
• - Asset quality: Despite the interest rate risk, FRC still has a high-quality asset portfolio that generates steady income and low losses. FRC's loans are mostly secured by real estate or other collateral that can be recovered in case of default. FRC's securities are mostly investment-grade bonds or government-backed securities that have low default risk and high liquidity. FRC's asset quality ratios (such as non-performing assets ratio and loan loss provision ratio) are better than the industry averages and have not deteriorated significantly during the crisis.
• - Capital adequacy: Despite the negative net worth, FRC still has enough capital to meet its regulatory requirements and absorb potential losses. FRC's capital ratios (such as Tier 1 capital ratio and total capital ratio) are above the minimum thresholds set by the regulators and have not been in a position out of no way. For example, FRC can adjust its loan pricing and terms to reflect the higher interest rate environment and attract more borrowers. FRC can also diversify its funding sources and reduce its reliance on deposits by issuing more debt or equity securities. FRC can also sell some of its non-core assets or businesses to raise cash and improve its capital ratios.

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In all, FRC still has some potential upside if the market conditions improve and the deposit outflow reverses. If the interest rates stabilize or decline, FRC's net interest margin will improve and its unrealized loss will shrink. If the market sentiment improves and the customer confidence returns, FRC's deposit base will grow again and its liquidity position will improve. If these scenarios happen, FRC's share price will likely rebound and reflect its true value.
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Of course, these are not guarantees or predictions. There are still many uncertainties and risks involved in investing in FRC. There is no guarantee that interest rates will not rise further or that customers will not withdraw more deposits. There is also no guarantee that regulators will not intervene or that competitors will not take advantage of FRC's weakness.
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Is FRC a buy or sell now?
Many investors lost faith in FRC and sold their shares at a huge loss. But was that the right move? Or did they miss an opportunity to buy FRC at a bargain price?
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Before I explain that, let me remind you again that this is not financial advice and you should always do your own research before making any investment decisions.
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So, let's get started. The key question here is: will the deposit return to FRC?
This is crucial because deposits are the lifeblood of any bank. Without deposits, a bank cannot lend money, earn interest income or pay dividends. And without those things, a bank cannot survive. So, how likely is it that FRC will regain its old day glory and see its deposit base grow again?
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Well, it's hard to say for sure. But based on some recent data and news, I am optimistic that the deposit will partially return, if not 100% return. Here are some reasons why:

• - First of all, according to a report from Reuters, the deposit outflows that left many regional banks reeling in the wake of Silicon Valley Bank's failure have slowed and in some cases reversed. This shows that some customers may be coming back to FRC or staying loyal to it despite the turmoil.
• - Second, regulators and watchdogs see FRC as stable enough to operate without any immediate intervention as the company and its advisers try to work out a deal to shore up its balance sheet. According to a report from Bloomberg, FRC has been in talks with potential investors and lenders to raise capital and liquidity. The report also said that US authorities are considering expanding an emergency lending facility for banks in ways that would give FRC more time to shore up its balance sheet. This suggests that FRC is not in imminent danger of failing or being taken over by the government.
• - Third, FRC has some competitive advantages that make it stand out from other regional banks. As we already discussed above, it has superior customer retention rates (2% versus an industry level of closer to 8%) and superior Net Promoter Scores (72 versus an industry average of closer to 35). These metrics indicate that FRC has a loyal and satisfied customer base that values its service and products. FRC also has a diversified revenue stream that includes wealth management, private banking and business banking. These segments tend to be more resilient and profitable than traditional retail banking.
• - Fourth, there has been no negative news about FRC lately. No scandals, no lawsuits, no frauds, no fines. No news is good news, right? Well, maybe not always, but in this case it means that FRC is not facing any new challenges or risks that could hurt its reputation or performance.

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Based on these reasons, I think that FRC has a good chance of recovering some of its lost deposits in the following months. And if that happens, the stock price of FRC should also rebound and recapture some of its losses. Of course, this is not a guarantee and there are still many uncertainties and challenges ahead for FRC. But I think that at the current price level of around $12 per share, FRC offers an attractive risk-reward ratio for investors who are willing to take a long-term view.
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So what do I think you should do with your FRC shares? Well, I can't tell you what to do because everyone has different goals and risk appetites. But I can tell you what I am doing with mine: I am holding them and waiting for better days ahead. I believe that FRC is not as bad as it seems and that it has the potential to bounce back stronger than ever.
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But hey, don't take my word for it. Do your own research and make your own decisions. And let me know what you think in the comments below. Do you agree with me or do you think I am crazy?
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p.s. Some of the sources of this acritical:
From <https://www.reuters.com/business/finance/us-sees-deposits-stabilizing-some-regional-banks-reel-2023-03-20/>
From <https://www.cnbc.com/2023/03/21/treasury-secretary-yellen-says-the-government-could-backstop-more-deposits-if-necessary.html>
From https://www.bloomberg.com/news/articles/2023-03-25/us-mulls-more-support-for-banks-while-giving-first-republic-time

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Today in Scottish History
26 March 1797: The death in Edinburgh of James Hutton, considered by many to be the father of modern geology.
/GlasgowMarket Digest
2x Joesef tix @ Barrowlands tonight 7pm - £20 each
I'm selling 2 tickets to Darren Hayes 31 March
Rainbow kitten surprise
Empire State Bastard please
Empire State Bastard
Tim Key, Oran Mor, Tonight (24th March)
Selling 2x gallus tickets for the 31st, £30 for the two
1X Joesef ticket for tomorrow night (Friday 24th 7pm Barrowlands)
Looking for rainbow kitten surprise tickets
Selling my Apple Watch ULTRA, 49mm, Titanium case, Midnight Ocean Band. With 2 year extended Apple Care Warrenty worth £200
2 x Chris Shiflett tickets for St Luke’s tomorrow night
Anyone selling Paramore tickets?
Nick Mulvey tickets
Please oh please, Empire State Bastard, Cathouse
Looking for 2x Stuart Mitchell - Testing Testing on 26th
Tune of the day
Brandee Younger - You’re A Girl For One Man Only (suggested by Superbuddhapunk)
Only one eligible link submitted today. Suggest tomorrow's tune.

The Miz: Set to host WrestleMania 39
Wade Barrett: Smackdown Colour Commentator
Dean Ambrose: Signed to AEW; Three Time AEW World Champion; Member of the Black Pool Combat Club
Seth Rollins: Set to collide with Logan Paul at WrestleMania 39
Roman Reigns: Set to collide with Cody Rhodes at WrestleMania 39; Currently, Universal and WWE Champion in an historic 936+ day title reign
Big Show: Signed to AEW; Part-Time in-ring performer and colour commentator for AEW: Dark Elevation
Randy Orton: Still Part of Main Roster; Out of action due to injury
Sheamus: Set to collide with Drew Mcintyre and GUNTHER at WrestleMania 39
Mark Henry: Signed to AEW as commentatoanalyst, coach and talent scout
Ryback: Became a permanent meme
Daniel Bryan: Signed to AEW; Member of the Blackpool Combat Club
Kane: Mayor of Knox County; Inducted into Hall of Fame (2021)
Big E Langston: Still Part of Main Roster; Out of action due to injury
Dolph Ziggler: Still part of Main Roster
AJ Lee: Retired; Signed to WOW as a colour commentator and executive producer, screenwriter of Blade of the 47 Ronin and author of multiple works
Fandango: Signed to Impact Wrestling
Chris Jericho: Signed to AEW; Inaugural AEW World Champion; Leader of Jericho Appreciation Society
Alberto Del Rio: Signed to UFC as a colour commentator; Infamous for multiple criminal charges
Ricardo Rodriguez: Founded his own wrestling academy called 'Three Legacies Wrestling'
Jack Swagger: Signed to AEW; Member of the Jericho Appreciation Society
Zeb Colter: Hosts a podcast called Story Time with Dutch Mantell
Undertaker: Retired; Inducted into Hall of Fame (2022)
CM Punk: Signed to AEW; Two Time AEW World Champion; Currently stars in Heels; Status Unknown after the media scrum
Paul Heyman: Manager of the Stable Bloodline
Triple H: Chief Content Officer of WWE; Booker of Main Roster
Shawn Michaels: Senior Vice President of Talent Development Creative; Booker of NXT
Brock Lesnar: Set to collide with Omos at WrestleMania 39
John Cena: Set to collide with Austin Theory at WrestleMania 39, Stars in Peacemaker, Set to star in multiple projects notably Fast X
The Rock: Starred in Black Adam; Set to star in Red One