The Setup Wizard in the router management interface serves the same purpose as the Smart Wizard on the installation CD. ... Can I change the router login username to something other than admin? No, the router login username cannot be changed. Only the admin password can be changed. Setup your Google Authenticator App (follow the guide below on setting up Google Authenticator App). Input the obtained Google Authenticator code into the "3. Enable Google Two Factor Authentication" Setup will be successfully completed. 2. APP Version: Go to "My Settings" page and select "Security". Help Desk Central assists Texas A&M students, faculty, and staff with information technology questions. This guide will show you how to set up, configure and use Dual Monitors on Windows 10. If Windows 10 cannot detect the second monitor, here is the fix.
2021.10.25 23:14 carlosfortuna2018 New setup anything I should change
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2021.10.25 23:14 Historical-Coat5124 Natalie Portman vs Kat Dennings
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2021.10.25 23:14 Noah-Buddy-I-Know What Happened Guys?
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2021.10.25 23:14 NoRecommendation5951 Any idea what this could be? It’s been under my eye for about 3 weeks now
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2021.10.25 23:14 ro0tbrian TROLLS token released last night and going crazy. Only 60 holders right now
Only 60 holders still, could be a hidden gem if we follow these whales.
Saitama whale buying trolls, then selling 200k saitama to buy more:
Liquidity locked for 6 months: https://v2.info.uniswap.org/pai0x7fe8ed390f6ee71a4685d74de041f9c43c37f9b3
submitted by ro0tbrian to tailstoken [link] [comments]
2021.10.25 23:14 xpartyr Beth Hart - Am I The One (1993)
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2021.10.25 23:14 Planta_Staball 21 M Looking for Some Humourous Nerds.
Okilly dokilly, what's up, world of Reddit! I'm your average degenerate looking for someone who's able to joke around but be serious when it's needed. If South Park, Dave Chappelle, and Spongebob are considered offensive to you, maybe we'd not be the best of friends, but if that's the kind of humor you're into, you and I would probably get along!
Someone who's a bit like me in more than just comedy would be pretty nice, though. I don't care what politics you have, what your gender identity is, race, or anything in-between so long as you respect mine as well. What does matter to me is what kind of entertainment you like and your general level of maturity. If we don't have things in common, we'll flutter out over time, and if we don't have the maturity to talk as adults when it's needed, I think our friendship would be brief. I want a genuine connection, and if ya don't feel it in the first two chats, that's A O K. I hope you find someone else you like!
As for some of my hobbies? I would really like someone to chat about fantasy with and perhaps tabletop games. Fantasy settings such as the world of Pathfinder, D&D, Lord of the Rings, and others are my god damn jam, man. I'm even making a world of my own which is coming out as pretty cool in my eyes! Other than just being BSing nerds, I'd like someone with who I could share music, play a game, or watch some cartoons because I'm a man-child when it comes to what entertains me sometimes.
With that said, it's nice to meetcha!.... Well, hopefully, it will be!
submitted by Planta_Staball to MakeNewFriendsHere [link] [comments]
2021.10.25 23:14 meatball4u Some people actually enjoy yelling and arguing. I hate it
I've always hated conflict. I've centered a lot of my life around trying to avoid it and resolve it as quickly and quietly as possible. So it's incredibly hard for me to wrap my head around the fact that some people get a thrill out of it and even seek it out. Some families even can be accurately called high-conflict, but they still function and don't get burned out or traumatized. My upbringing was toxic and unhealthy and there were hard feelings present constantly, so that colors my perspective a lot. But as an aspie I don't know if I could handle being in a high-conflict family. Anyone been through one?
submitted by meatball4u to aspergers [link] [comments]
2021.10.25 23:14 Jurassic_Park_III Why do old statues (Michaelangelo's David is the one that brought this to mind) have pubic hair, but no other body hair?
I just realized a lot of old statues feature some bush, but there is no other hair at all. Not on the chest, butt, arms, or legs. Were they shaving their body hair back then? Was this just an idealized version of what man should look like? And if that is the case, why leave some pubic hair but no other hair anywhere else on the body?
submitted by Jurassic_Park_III to AskHistorians [link] [comments]
2021.10.25 23:14 Maxx2017 Panhard 201
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2021.10.25 23:14 reddituser200019 Any Figma experts here?
I am working on my first prototype in Figma and I can’t figure out why my design is not showing proportionally in the prototype.
It looks like the design is too large for the prototype but the frame and prototype are for IPhone 8.
In other words, the design in “zoomed in” too much and the navigation menus, images etc. are not visible in the prototype.
What should I do to solve this problem?
If anyone could provide some help, it would be greatly appreciated!
P.S. Google has not been my friend on this one. 😫
submitted by reddituser200019 to UXDesign [link] [comments]
2021.10.25 23:14 XcaarlosX Role play
Pra quem não é muito familiarizado, role play é basicamente um teatro, onde vc e mais uma ou várias pessoas escolhem personagens ou usam personagens que já existem e inventam uma história em cima. Pois bem, recentemente descobri um sub aqui sobre role play +18, e sinceramente pra mim isso era coisa de virgem nerd esquisito, mas eu dei uma chance, fiquei um tempo vendo os “requests” do Reddit até que um dia eu mandei uma dm pra uma dessas pessoas, agnt fez o role play e eu adorei, comecei a entrar quase todo dia nesse sub, fazia postagens etc, isso faz uma semana mais ou menos e eu tô VICIADO nessa porra, eu tô batendo umas duas por dia mas ainda tô com tesao pra krl, pq as possibilidades são basicamente infinitas, alguém já fez isso aqui? Eu sinceramente acho mt esquisito mas tô curtindo muito, não sei se é só perda de tempo mas n consigo parar agora
submitted by XcaarlosX to sexualidade [link] [comments]
2021.10.25 23:14 Ilikebreadbud Theory I guess
Okay so, in the Fandom it says Ethan was born before 2018, right? So why was he never featured in the game? And who is Ethans mother? That's the thing, Why would Joseph have another kid after what happened the first time? I don't think he would and he doesn't seem like a person who would just.. Y’Know.
Ethan looks about 18 in the game [ Farcry New Dawn ] which means he was 1 in Farcry 5, so where is he in the bunker? Maybe Joseph had Ethan with the dep. Buuuuuuut the dep could also be male. So how would that work? Basically, WHERE IN THE HECK DID ETHAN COME FROM? He could be in another bunker too, but still. Idk if y'all can help please do, I'm so confused.
submitted by Ilikebreadbud to farcry [link] [comments]
2021.10.25 23:14 Valiant_Pie 1.5 months later I'm still pained and distraught with how much I messed up.
I as a 25 y/o male, who has no friends in real life, finally found someone back in February to get along with. Yes it was a girl. We met when I started a job in retail, and since then we've texted every day. She had major anxiety issues and never wanted to talk to me over the phone... or actually meet anywhere outside of work. It was only via texts. I don't know why I accepted that as a fact but still, texting her every day was the highlight of my life.
The middle of September rolls around. I ask if we can do something together since we've known each other for months at this point. She declines because she felt like it was too much to hang out with guys out of respect for her boyfriend. I got upset because she goes out pretty much every weekend with her other girl friends or cousins to hang out. We never got a chance to do anything.
I tried instigating if I could at least give her something as a gift for the fact that we've known each other all this time. She denied and asked for me to not suggest that again. I accepted that and at the end of the argument, I asked if she could not tell her boyfriend about it because I didn't want everything to blow over. She said she tells him everything so he'll know. I jokingly replied with "alright alright you can tell him". She said "I don't need your permission. I'm fucking done."
I didn't mean anything serious by that comment and tried to apologies many times over. No reply, just silence from her for 20 minutes. She finally got back to me and said "I talked with my boyfriend and decided I won't be talking to you anymore. Best of luck with everything. Goodbye." That's when my own personal anxiety kicked in. I tried to profusely apologies for the next 5 minutes. It ended with her threatening to call the police if I contact her again. There was so much sadness and regret I experienced at that point.
So that was it and now I can't contact her anywhere. However, last week I tried to make amends via e-mail. I'm certain she didn't read it, just instantly deleted it and blocked me. It's been 1.5 months and I'm still tearing up every day - and that isn't an exaggeration. Don't know how I can move on at this point.
submitted by Valiant_Pie to BreakUps [link] [comments]
2021.10.25 23:14 Sir_Rock132 Looking to form a task force
I really want to form a group to play within the night after work/college. ONLY interested in folks with mic and good communication. Will be playing hard mode checkpoints. PSN is Senor Roca or Sir Rock#2001 on discord.
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2021.10.25 23:14 adakat78 [bedrock] wolves falling from sky?
2021.10.25 23:14 Cheerful_ox Proof anything is possible
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2021.10.25 23:14 leftok Tom Brady tells Peyton, Eli Manning he’s giving Bucs fan who returned 600th TD a Bitcoin
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2021.10.25 23:14 SheldonE65 I have an Elton John pun.
2021.10.25 23:14 notsexmaster Alright and that concludes our game of ok-not-ok! Thanks to all those that joined us today ;)
2021.10.25 23:14 Julio_Rhode15 Ya done messed up A-A-Ron
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2021.10.25 23:14 clintms121 Smacked my knee on a run and it swelled up. Stiff but I can run on it without pain. Any ideas?
2021.10.25 23:14 leftok Bitcoin Is Still Concentrated in a Few Hands, Study Finds
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2021.10.25 23:14 MillennialBets The Weekly DD - Upstart (UPST) Full Stock Analysis: A potential FAANG?
Date: 2021-10-24 20:18:13, Author: u/TheStonksHub, (Karma: 1532, Created:Apr-2021)
SubReddit: WallStreetBets, DD Click Here
EFX 274.78 |INTU 602.56 |FICO 413.99 |UPST 359.81 |
UPST at a glance UPST is a risk management company specialized in loans and financing. Their core product is a machine learning model which calculates risk which they tout as being more effective than traditional credit risk scores such as FICO. In an internal (biased to some degree) study, replicating the business models of three traditional banks, UPST was able to show 75% lower default rates and 173% more approvals at the same loss rate. With this core product, UPST is able to offer three services:
The lending industry Personal loans
Personal loans are individually requested loans for such things as paying off credit cards, starting a new business, refinancing vehicles, or paying off large expenses. The global personal loan market was estimated to be $47B in 2020 but to grow to $719B by 2030 with a CAGR of 31.7%. While the personal loan market slowed down during the COVID pandemic, it is expected to pick back up as the effects of COVID go away. This massive growth rate is driven in a large part by lower interest rates and higher borrowing limits especially within developing countries. In 2020, nearly 12% of all USA consumers had a personal loan and the median personal loan amount per family has more than doubled since the 1990s. As of 2021, commercial banks had given out $1.5T in consumer loans in the United States alone.
Auto loans are loans requested either by an individual or by a dealership for financing automobile purchases. The global automobile loan market was estimated to be $245B in 2020 and expected to grow to $394B in 2028 with a CAGR of 7.1%. This is driven primarily by a couple of factors. The demand for vehicles is growing in both developed and developing countries while access to finance has grown as well. Within the US, the average auto loan amount has reached a record high of $32K while volume has also reached an all time high with over 85% of new cars sold being financed through an auto loan. Auto loans are the third highest source of debt within families behind mortgages and student debts. Within the previous decade, auto loans has grown by over 80%!
Consumer credit reporting
Credit bureaus and rating agencies are responsible for providing data and scores about an individual’s ability to repay loans. In 2021, the revenues of this industry increased 4.1% to $12.7B with the four largest firms accounting for 60% of this revenue. This market is expected grow to $14.2B by 2024 with a CAGR of 4.3%.
The financials Income statement
UPST’s income statement follows the mold for a fast-growing company. Their revenues have nearly doubled every year with 2021 being no exception. This growth comes from their “non-interest income” which points to the fact that their personal lending program is not growing at the same rate as their risk management score program. In fact, within their own presentations, they talk about how 97% of their revenues take upon no risk as they are simply providing a risk score to banks, getting revenue from that service, and not necessarily offering loans themselves. This points to their primary focus being on expanding their credit risk machine learning model service rather than their own personal lending program.
Their selling and marketing costs have also increased same as their revenues, but it is increasing at a slower rate which is nice to see.
UPST has a healthy balance sheet with $320M of cash equivalent assets and only $40M of current debts. The only significant callout on their balance sheet is that their total assets and liabilities have drastically decreased since 2018. You can see that in 2018 and 2019, they actually had more liabilities than assets which they have been able to pare down since then. So, while UPST has a healthy balance sheet, this is a more recent development and most likely largely due to the injection of cash and other assets they received through their IPO.
Statement of cash flows
UPST has a phenomenal statement of cash flows. Their operating cash flow has really picked up this year as well as their financing cash flow, which makes sense given their IPO (much of which was realized in 2021 rather than 2020). In general, they are building increasing cash positions through the years while reducing their cash loss from other activities.
Where UPST stands The bull case
UPST is trying to disrupt FICO scores which are used by 90% of the US’s top lenders and they have a good case for doing so. As mentioned previously, their lending program, when compared to traditional banks, approve 26% more borrowers and yields 10% lower average APRs for approve loans. Furthermore, they have found themselves a sweet spot with near-prime consumers (consumers with a FICO score between 620 and 660) where their model approves 95% more consumers while reducing interest rates by 5.4% compared to traditional models. They are able to achieve all this while reducing failure rates on those loans. With this model, UPST and the banks they partner with are able to offer more competitive loan packages to more people, granting a broader population access to credit while reducing their overall risk profile. This combined with an already rapidly expanding personal loan market and UPST is in a good position for future growth.
The bear case
While UPST is certainly a growing company, their $27B valuation is extended. To put that in perspective, Transunion, one of the largest credit bureaus in the US has a valuation of $22B. Transunion has a 2020 revenue of $2.7B while UPST has a 2020 revenue of $227M. While UPST is growing much more rapidly than Transunion, it still has an absurd valuation in comparison. Proponents of UPST argue that they have various business models to generate revenue, but 97% of their revenues come from fees from banks or services with no credit exposure. This means that while technically they do more than credit reporting, that “other” accounts for 3% of their revenues. Furthermore, 60% of their revenues comes from a single entity, Cross River Bank while 53% of their loan originations come from Credit Karma. Cross River Bank is always able to seek out different services and Credit Karma’s parent company Intuit can very feasibly expand into this area as a competitor. Basically, while they do have a best-in-market product currently, that is not guaranteed and a few key players can crash UPST’s business. Lastly, nearly all metrics and statistics regarding UPST versus traditional banking loan programs were self-procured and funded. There is very little independent research with their credit underwriting product and it is difficult to discern fact from marketing.
The verdict As UPST stands, I believe that they are overvalued after a 200% run to the upside in just 3 months. I completely support their business model and believe that they are a best-in-market company. However, even with their current rapid growth, they are fighting against decades of history with FICO scores and other traditional credit metrics. The banking industry is more known for stability than disruption and rapid change. While UPST is exerting pressure by offering their own loan program, it is obvious that this loan program is not a priority, for them it’s low growth with low investment. The scenario that justifies their currently valuation is if they very quickly join the big three credit bureaus (TransUnion, Experian, Equifax) while expanding very quickly within the auto loan industry. Their expansion into this business is still very early and its hard to predict whether or not it will work out. However, I do not believe that UPST will be able to penetrate into the big three credit bureau status due to the entrenched nature of FICO scores within banking.
Disclosure: No positions in this stock
submitted by MillennialBets to MillennialBets [link] [comments]
2021.10.25 23:14 Jeremy_Melton Spot the difference
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