catherinedtoth
@catherinedtoth.bsky.social
Fair Lending attorney with 40 years of experience as a federal regulator, USAID banking specialist, and private sector Fair Lending Officer. California Bar. Fighting for our civil rights in Cleveland, Ohio. Married to maurnp@bsky.social! 🏳️🌈🏦🏄🏻♀️⚖️
Reposted by catherinedtoth
Hey @nytimes.com, you misspelled "corruption" and "violating the Constitution."
November 16, 2025 at 7:08 PM
Hey @nytimes.com, you misspelled "corruption" and "violating the Constitution."
Reposted by catherinedtoth
They're "imbecilic morons" for exercising their first amendment rights?
Most Un-American administration in the history of this country.
Most Un-American administration in the history of this country.
November 15, 2025 at 5:36 AM
They're "imbecilic morons" for exercising their first amendment rights?
Most Un-American administration in the history of this country.
Most Un-American administration in the history of this country.
Reposted by catherinedtoth
This wasn't efficiency
It wasn't sharper business practice
It is basically cutting out all the costs to prioritise long term cashflow into dividends and share returns
See also your mobile phone provider, energy supplies, pharmaceuticals and ha ha! Boeing, where customer safety was a Cost.
10/n
It wasn't sharper business practice
It is basically cutting out all the costs to prioritise long term cashflow into dividends and share returns
See also your mobile phone provider, energy supplies, pharmaceuticals and ha ha! Boeing, where customer safety was a Cost.
10/n
Fight GIF
ALT: Fight GIF
media.tenor.com
November 11, 2025 at 4:09 PM
This wasn't efficiency
It wasn't sharper business practice
It is basically cutting out all the costs to prioritise long term cashflow into dividends and share returns
See also your mobile phone provider, energy supplies, pharmaceuticals and ha ha! Boeing, where customer safety was a Cost.
10/n
It wasn't sharper business practice
It is basically cutting out all the costs to prioritise long term cashflow into dividends and share returns
See also your mobile phone provider, energy supplies, pharmaceuticals and ha ha! Boeing, where customer safety was a Cost.
10/n
Reposted by catherinedtoth
Take your bank
It announces a merger
Cool
Share values soar, shareholders laughing all the way to... Well, their own bank
Branches were closed, customer service automated, everything stripped to the bare minimum
Why?
Customers
Don't make investors rich
Share value does
9/n
It announces a merger
Cool
Share values soar, shareholders laughing all the way to... Well, their own bank
Branches were closed, customer service automated, everything stripped to the bare minimum
Why?
Customers
Don't make investors rich
Share value does
9/n
a video game character holding a sword with the words hey look a customer below him
ALT: a video game character holding a sword with the words hey look a customer below him
media.tenor.com
November 11, 2025 at 4:06 PM
Take your bank
It announces a merger
Cool
Share values soar, shareholders laughing all the way to... Well, their own bank
Branches were closed, customer service automated, everything stripped to the bare minimum
Why?
Customers
Don't make investors rich
Share value does
9/n
It announces a merger
Cool
Share values soar, shareholders laughing all the way to... Well, their own bank
Branches were closed, customer service automated, everything stripped to the bare minimum
Why?
Customers
Don't make investors rich
Share value does
9/n
Reposted by catherinedtoth
But, What's easier, is to play off future expectations of larger returns
Sweetened with juicy up front dividends
From the 70s onwards firms found they could do this through gimmicks, mergers and acquisitions
Let's go M&A first
Step 1. Announce a merger, share price soars, dividends
6/n
Sweetened with juicy up front dividends
From the 70s onwards firms found they could do this through gimmicks, mergers and acquisitions
Let's go M&A first
Step 1. Announce a merger, share price soars, dividends
6/n
a man in a dark room with the words it 's merging time
ALT: a man in a dark room with the words it 's merging time
media.tenor.com
November 11, 2025 at 4:00 PM
But, What's easier, is to play off future expectations of larger returns
Sweetened with juicy up front dividends
From the 70s onwards firms found they could do this through gimmicks, mergers and acquisitions
Let's go M&A first
Step 1. Announce a merger, share price soars, dividends
6/n
Sweetened with juicy up front dividends
From the 70s onwards firms found they could do this through gimmicks, mergers and acquisitions
Let's go M&A first
Step 1. Announce a merger, share price soars, dividends
6/n
Reposted by catherinedtoth
We then start to reach an incentive tipping point
Companies, particularly in competitive markets and oligopolistic markets with close large competitors, reach a point at which profits on success become marginal
Resulting in steady but slow returns
Shareholders no likey. They want Big Returns
4/n
Companies, particularly in competitive markets and oligopolistic markets with close large competitors, reach a point at which profits on success become marginal
Resulting in steady but slow returns
Shareholders no likey. They want Big Returns
4/n
a man looking out a window at a city
ALT: a man looking out a window at a city
media.tenor.com
November 11, 2025 at 3:56 PM
We then start to reach an incentive tipping point
Companies, particularly in competitive markets and oligopolistic markets with close large competitors, reach a point at which profits on success become marginal
Resulting in steady but slow returns
Shareholders no likey. They want Big Returns
4/n
Companies, particularly in competitive markets and oligopolistic markets with close large competitors, reach a point at which profits on success become marginal
Resulting in steady but slow returns
Shareholders no likey. They want Big Returns
4/n