Recent well liked threads
1/8
❌️ Hungarians don’t need a 'Norwegian USAID'. We’ve seen this playbook before: money, ideology, loyal NGOs — and a foreign agenda wrapped in the language of “democracy.”
❌️ Hungarians don’t need a 'Norwegian USAID'. We’ve seen this playbook before: money, ideology, loyal NGOs — and a foreign agenda wrapped in the language of “democracy.”
2/8
And yet, here we go again: another €20 million in foreign funding, courtesy of the Norway Fund, once again handed to a Soros-backed liberal organization to distribute in 🇭🇺Hungary — just as Norway insisted last time, rejecting even neutral candidates like the Hungarian Red Cross.
And yet, here we go again: another €20 million in foreign funding, courtesy of the Norway Fund, once again handed to a Soros-backed liberal organization to distribute in 🇭🇺Hungary — just as Norway insisted last time, rejecting even neutral candidates like the Hungarian Red Cross.
3/8
If Norway truly wants to support Hungarian society, it should invest in what people actually need.
Promoting woke ideology through foreign-funded gender campaigns targeting children, for example, is not one of them.
If Norway truly wants to support Hungarian society, it should invest in what people actually need.
Promoting woke ideology through foreign-funded gender campaigns targeting children, for example, is not one of them.
26. In discovery, Dominion & Smartmatic were allowed to search personal phones & private emails of TV hosts, producers & journalists.
Not just emails but texts.
This had never been allowed before in the history of American journalism.
Courts ignored all press freedoms.
Not just emails but texts.
This had never been allowed before in the history of American journalism.
Courts ignored all press freedoms.
27. Trump was impeached for the 2nd time on Jan 13, 2021, one week before his term expired. The House adopted 1 article against him: incitement of insurrection.
The Senate trial began on Feb 9.
Final vote was 10 votes short of the two-thirds majority required to convict.
The Senate trial began on Feb 9.
Final vote was 10 votes short of the two-thirds majority required to convict.
28. No GOP senator stated publicly at the time that January 6th was fabricated by the national security state to halt lawful investigations of election fraud.
Instead, they went along with the coup.
Most of them voted to confirm all of Biden's Cabinet picks in 2021.
Instead, they went along with the coup.
Most of them voted to confirm all of Biden's Cabinet picks in 2021.
In regime di democrazia diretta l'oclocrazia si configura come il continuo piegarsi a seguire il demagogo del momento. La continua partecipazione del popolo alla politica rende estremamente facile cavalcarne gli umori.
La democrazia rappresentativa però richiede un impegno ed una fiducia più a lungo termine, il che rende l'elettore più cauto ma anche più fidelizzabile.
Ne consegue che il demagogo postmoderno non ha il semplice interesse di creare un consenso momentaneo, ma quello di creare una setta.
Buenos días. Hilo del día 1.380 de la guerra entre Rusia y Ucrania. Kiev resiste. Y la pedrea de hoy ha ido para la planta química 'Nevinnomysskiy Azot', que pertenece al mayor productor ruso de fertilizantes 'Eurochem'. Ya fue atacada este año 2 veces, en junio y julio.
La empresa produce amoníaco, urea, melamina, nitrato de amonio, fertilizantes líquidos de nitrógeno, ácido acético y acetato de vinilo. Algunos de estos elementos luego son enviados a las fábricas de armas para producir proyectiles artilleros.
Trump, a lo suyo, que la reunión de los mamandurriadores con Putin fue muy buena, en otro corte que Rusia quiere la paz... y paso ya de escuchar esta monserga repetitiva.
🧵
‘The Psychology of the New Far Right: Privilege, Fear, and Media Power in the Rise of Authoritarianism.’
Fear, belonging, and power are being manipulated into a frightening new age of populist outrage and algorithmic media, argues Dr Russell Jackson.
bylinesupplement.com/p/the-psycholo…
‘The Psychology of the New Far Right: Privilege, Fear, and Media Power in the Rise of Authoritarianism.’
Fear, belonging, and power are being manipulated into a frightening new age of populist outrage and algorithmic media, argues Dr Russell Jackson.
bylinesupplement.com/p/the-psycholo…
I've reproduced the article in 🧵 form, below, because its a subscriber only article from @BylineTimes.
You can subscribe here, and I would encourage you to - Bylines tells the stories and undertakes investigations many national news media fear to.
subscribe.bylinetimes.com
You can subscribe here, and I would encourage you to - Bylines tells the stories and undertakes investigations many national news media fear to.
subscribe.bylinetimes.com
Across the West, figures such as Trump, JD Vance, Farage, Johnson, Tice, Kruger, and Lowe helped normalise far-right populist rhetoric within mainstream politics. Their appeal is anti-elite—yet they themselves embody the privilege they claim to challenge.
populismstudies.org
populismstudies.org
So in case you don’t know…
This is actually a real thing. In the world of English grammatical instruction, there is a massive debate between ‘Phonics’ and ‘Whole Language’…
Thread (1/5)
This is actually a real thing. In the world of English grammatical instruction, there is a massive debate between ‘Phonics’ and ‘Whole Language’…
Thread (1/5)
‘Phonics’ is the system most of us grew up on. It teaches you to understand the sound a letter makes and then use that understanding to decode words. It is proven to be the most effective system for learning grammar. It is the traditional style.
(2/5)
(2/5)
‘Whole Language’ is a new system which teaches students to memorize how to pronounce certain words and then memorize the shape of those words. This is the new style of language learning being pushed by ultra-liberals in academia.
(3/5)
(3/5)
Mahler disse che «La cosa più importante nella musica non è scritta nelle note» 🧵su i film che provano a raccontare i silenzi, i retroscena e la vita "dietro" la musica ed il teatro👇
Mahler (1974) di Ken Russell. Biopic non fedele della vita del compositore. Onirico, elettrico, surreale, è ambientato durante un viaggio di Gustav insieme alla moglie. Non ho capito se mi è piaciuto o mi ha solo lasciato frastornata... Se lo vedete, fatemi sapere che ne pensate
Les Enfant du Paradis (1945) di Marcel Carné. Scritto dal poeta Jacques Prévert, il titolo si riferisce agli spettatori più poveri, che sedevano nei posti più alti dei teatri. È considerato uno dei migliori film di sempre, e prossima settimana ne approfondiremo la lavorazione
7 Reasons the Sri Yantra Is the Most Powerful Geometry Ever Created 🔥
For thousands of years, sages have meditated on a single design... the Sri Yantra.
It is the blueprint of creation, encoded in triangles and bindu that no ancient civilisation ever matched.
Here’s why... 🧵
For thousands of years, sages have meditated on a single design... the Sri Yantra.
It is the blueprint of creation, encoded in triangles and bindu that no ancient civilisation ever matched.
Here’s why... 🧵
📌 It Represents the Union of Shiva & Shakti
At the heart of the Sri Yantra are 9 interlocking triangles:
> 4 upward (Shiva - pure consciousness)
> 5 downward (Shakti - creative force)
Their interlocking forms the cosmic dance of energy and awareness, the masculine and feminine that generate the universe.
This union is the foundation of all existence.
At the heart of the Sri Yantra are 9 interlocking triangles:
> 4 upward (Shiva - pure consciousness)
> 5 downward (Shakti - creative force)
Their interlocking forms the cosmic dance of energy and awareness, the masculine and feminine that generate the universe.
This union is the foundation of all existence.
📌 It Maps the Entire Cosmos in One Geometry
The Sri Yantra is called the Cakrārāja... King of all Chakras.
From the central bindu to the outer square, it represents:
> creation
> expansion
> dissolution
> the journey from form to formlessness
It is literally the universe compressed into a single diagram.
The Sri Yantra is called the Cakrārāja... King of all Chakras.
From the central bindu to the outer square, it represents:
> creation
> expansion
> dissolution
> the journey from form to formlessness
It is literally the universe compressed into a single diagram.
like Christopher Columbus in 1492 "discovered" America.
A group of Somali Explores discovered Minnesota in 2025.
It belong to us now 🇸🇴😂🤣🤣😂
A group of Somali Explores discovered Minnesota in 2025.
It belong to us now 🇸🇴😂🤣🤣😂
From the river to the lake
The debate over “birthright citizenship” gets very abstruse very fast. So, now that the issue will be heard by SCOTUS, it’s useful to keep in mind what is and is not contested. A 🧵 thread:
All concur that
• Being born in the US is not enough;
One must also be “subject to the jurisdiction” of the US;
• Being born in the US is not enough;
One must also be “subject to the jurisdiction” of the US;
• There were three classes of persons thought not to be “subject to the jurisdiction” of the US: Native American tribes, diplomats, invading armies;
OpenAI, Anthropic, and Google use 10 internal prompting techniques that guarantee near-perfect accuracy…and nobody outside the labs is supposed to know them.
Here are 10 of them (Bookmark this for later):
Here are 10 of them (Bookmark this for later):
Technique 1: Role-Based Constraint Prompting
The expert don't just ask AI to "write code." They assign expert roles with specific constraints.
Template:
You are a [specific role] with [X years] experience in [domain].
Your task: [specific task]
Constraints: [list 3-5 specific limitations]
Output format: [exact format needed]
---
Example:
You are a senior Python engineer with 10 years in data pipeline optimization.
Your task: Build a real-time ETL pipeline for 10M records/hour
Constraints:
- Must use Apache Kafka
- Maximum 2GB memory footprint
- Sub-100ms latency
- Zero data loss tolerance
Output format: Production-ready code with inline documentation
---
This gets you 10x more specific outputs than "write me an ETL pipeline."
Watch the OpenAI demo of GPT-5 and see how they were prompting ChatGPT... you will get the idea.
The expert don't just ask AI to "write code." They assign expert roles with specific constraints.
Template:
You are a [specific role] with [X years] experience in [domain].
Your task: [specific task]
Constraints: [list 3-5 specific limitations]
Output format: [exact format needed]
---
Example:
You are a senior Python engineer with 10 years in data pipeline optimization.
Your task: Build a real-time ETL pipeline for 10M records/hour
Constraints:
- Must use Apache Kafka
- Maximum 2GB memory footprint
- Sub-100ms latency
- Zero data loss tolerance
Output format: Production-ready code with inline documentation
---
This gets you 10x more specific outputs than "write me an ETL pipeline."
Watch the OpenAI demo of GPT-5 and see how they were prompting ChatGPT... you will get the idea.
Technique 2: Chain-of-Verification (CoVe)
Google's research team uses this to eliminate hallucinations.
The model generates an answer, then generates verification questions, answers them, and refines the original response.
Template:
Task: [your question]
Step 1: Provide your initial answer
Step 2: Generate 5 verification questions that would expose errors in your answer
Step 3: Answer each verification question
Step 4: Provide your final, corrected answer based on verification
---
Example:
Task: Explain how transformers handle long-context windows
Step 1: Provide your initial answer
Step 2: Generate 5 verification questions that would expose errors in your answer
Step 3: Answer each verification question
Step 4: Provide your final, corrected answer based on verification
---
Accuracy jumps from 60% to 92% on complex technical queries.
Google's research team uses this to eliminate hallucinations.
The model generates an answer, then generates verification questions, answers them, and refines the original response.
Template:
Task: [your question]
Step 1: Provide your initial answer
Step 2: Generate 5 verification questions that would expose errors in your answer
Step 3: Answer each verification question
Step 4: Provide your final, corrected answer based on verification
---
Example:
Task: Explain how transformers handle long-context windows
Step 1: Provide your initial answer
Step 2: Generate 5 verification questions that would expose errors in your answer
Step 3: Answer each verification question
Step 4: Provide your final, corrected answer based on verification
---
Accuracy jumps from 60% to 92% on complex technical queries.
🚨THE POPE’S WAR ON CHRISTENDOM: HIS ISLAMIC FANTASY VS. EUROPE’S BLOODY REALITY
During his carefully stage-managed “interfaith” tour through Turkey and Lebanon, the Pope was confronted with a question he could not honestly evade:
“Is Islam a threat to the Christian identity of the West?”
Instead of answering with Scripture, history, or even basic honesty, he delivered a rehearsed globalist talking point:
❌ “These fears are created by people against immigration.”
❌ “We should be less fearful.”
❌ “Lebanon - yes, Lebanon - is the model for Europe and the United States.”
This isn’t spiritual leadership; it is dangerous ideological blindness that collapses the moment it meets reality.
🔥 POINT 1: ‘Fears Are Created by Anti-Immigration People’? No! They Are Created by Reality.
Europe didn’t acquire fear through rhetoric.
Europe acquired fear through bloodshed.
Is it “fearmongering” to remember:
Father Jacques Hamel, beheaded at his altar in France?
The Nice truck massacre, killing 86?
The Bataclan jihadists, slaughtering 90 concertgoers?
The Vienna Islamic State attack?
The London Bridge attackers, stabbing innocents while shouting “Allahu Akbar”?
Churches attacked every single week.
The list goes on and on...
People aren’t afraid because someone told them to be.
People are afraid because jihad has arrived in their neighborhoods:
Mothers walking into Christmas markets
Priests stepping onto altars
Girls commuting home from school
This fear is not manufactured. It is earned by suffering!
🔥 POINT 2: Lebanon Is a “Model”? Then Let’s Tell the Truth About Lebanon.
Lebanon is not a symbol of coexistence.
Lebanon is a warning, the precise blueprint of what happens when Islam becomes politically dominant.
Lebanon was once:
80% Christian
A thriving, Western-facing nation
The “Paris of the Middle East”
Then came:
Islamic militias
Civil war
The rise of Hezbollah
The slaughter and expulsion of Christians
A nation transformed through demographic conquest
If Lebanon is the model the Pope is promoting, then he is endorsing:
Christian decline
Islamic entrenchment
The rise of extremist governance
Lebanon didn’t become coexistence; it became submission.
This is not a lesson for Europe to emulate; it’s the nightmare Europe is already living.
🔥 POINT 3: “Dialogue and Respect” Mean Nothing When One Side Is Bleeding
The Pope speaks of “dialogue,” “friendship,” and “respect.”
Tell that to:
French priests who now celebrate Mass behind locked doors
Jewish children who need armed guards for school
Women in Sweden, Germany, and the UK raped by “refugees” protected by political correctness
Christians in Nigeria, Egypt, Iraq, Syria, and Kenya are butchered while the Vatican whispers “dialogue.”
Christian martyrs don’t need platitudes. They need truth. And the truth is this:
The Qur’an’s theology of Jesus, Christians, and Jews is fundamentally incompatible with Christian survival.
Their OWN scholars teach:
Jesus will destroy the Cross
Jesus will abolish Christianity
Jesus will establish Islam as the only religion
(Ibn Kathir, Tafsir)
This is not respect. It is a replacement doctrine.
🔥 POINT 4: Islam’s Use of “Jesus” Is a Weapon -Not a Bridge
While the Pope gushes about coexistence, Islam advances a global PR campaign:
“We love Jesus too!”
This is a complete and utter lie!
The Islamic “Isa” is:
Not the Son of God
Not crucified
Not resurrected
Not the Redeemer
And in Islamic prophecy? Isa returns to abolish all religions except Islam.
This isn’t coexistence like the Pope likes to push; it is conquest carried out through calculated theological fraud.
As RAIR exposed in “The Counterfeit Christ: Islam’s War to Replace Jesus,” Islam doesn’t honor Jesus; it weaponizes Him.
🔥 POINT 5: The Pope Preaches Blindness While Christians Pay the Price
He tells Europeans to “be less fearful.”
Tell that to:
The families of the Stockholm truck massacre
The teenagers blown apart at the Manchester Arena
The victims of Christmas market attacks
Catholics who can no longer wear a cross in public
Communities where churches require armed guards just to hold Sunday Mass
Towns where Nativity scenes have been banned to “avoid migrants beheading Jesus”
Fear is not bigotry, it is the rational response of a civilization under attack.
The Pope has confused submission with compassion,
and Christians are paying the price.
🔥 POINT 6: HOW ABOUT HONESTY ABOUT WHY HE’S PUSHING MUSLIM MIGRATION INTO THE WEST?
If the Pope wants to talk about “fear,” then let’s address what he refuses to mention:
The Vatican is an active partner in the global refugee-resettlement machine, a billion-dollar industry moving overwhelmingly Muslim populations into Christian nations under the banner of “compassion.”
He scolds Europeans for wanting borders, rebukes Americans for insisting on national sovereignty, and sermonizes endlessly about “dialogue” as if lectures can replace the reality unfolding on the ground
But he never admits:
💰 The Catholic Church is one of the biggest financial beneficiaries of mass migration on earth.
Through government contracts, NGOs, and UN alliances, the Church earns massive income from resettling migrants.
He also never mentions:
🌍 His alignment with Amy Pope, the UN’s migration chief, who is engineering the very demographic transformation crushing Christian nations.
I exposed it plainly:
Pope Leo XIV met privately with UN migration czar Amy Pope just days before attacking Trump’s border protections.
The IOM, run by Amy Pope, is the operational engine of the global migration industry.
The UN pipeline is heavily influenced by the OIC. the same bloc pushing Islamic blasphemy laws and demographic expansion.
The Vatican provides this agenda with moral cover, while the UN provides it with institutional power.
This is a dangerous coordinated effort...
And if Lebanon is his “model,” then the Pope is not describing coexistence.
He is describing replacement disguised as virtue.
🔥 THE QUESTION HE REFUSES TO ANSWER
Why are you demanding that Europe and America absorb endless waves of Muslim migrants while you partner with the very networks engineering the West’s demographic transformation?
Because the truth is simple, this is the Great Replacement, sanctified from Rome.
He never pressures the 57 Muslim-majority nations of the OIC to take in their own migrants.
He only demands that the Christian West open its borders.
This is population transfer masquerading as piety.
⚡ DEMOGRAPHIC REPLACEMENT
While Christians across Europe bury their dead after jihadist attacks, Pope Leo XIV insists their fear is immoral. At the same time, he collaborates with UN migration architects, pressures Western nations to remain borderless, and funnels millions of Muslim migrants into the very communities being torn apart.
If he wants to lecture Christians about “fear,” then he must first explain:
Why is he helping engineer the demographic invasion he insists they should not notice?
Until he answers that, his sermons ring hollow.
A shepherd who leads his flock into wolves is not compassionate; he is complicit.
During his carefully stage-managed “interfaith” tour through Turkey and Lebanon, the Pope was confronted with a question he could not honestly evade:
“Is Islam a threat to the Christian identity of the West?”
Instead of answering with Scripture, history, or even basic honesty, he delivered a rehearsed globalist talking point:
❌ “These fears are created by people against immigration.”
❌ “We should be less fearful.”
❌ “Lebanon - yes, Lebanon - is the model for Europe and the United States.”
This isn’t spiritual leadership; it is dangerous ideological blindness that collapses the moment it meets reality.
🔥 POINT 1: ‘Fears Are Created by Anti-Immigration People’? No! They Are Created by Reality.
Europe didn’t acquire fear through rhetoric.
Europe acquired fear through bloodshed.
Is it “fearmongering” to remember:
Father Jacques Hamel, beheaded at his altar in France?
The Nice truck massacre, killing 86?
The Bataclan jihadists, slaughtering 90 concertgoers?
The Vienna Islamic State attack?
The London Bridge attackers, stabbing innocents while shouting “Allahu Akbar”?
Churches attacked every single week.
The list goes on and on...
People aren’t afraid because someone told them to be.
People are afraid because jihad has arrived in their neighborhoods:
Mothers walking into Christmas markets
Priests stepping onto altars
Girls commuting home from school
This fear is not manufactured. It is earned by suffering!
🔥 POINT 2: Lebanon Is a “Model”? Then Let’s Tell the Truth About Lebanon.
Lebanon is not a symbol of coexistence.
Lebanon is a warning, the precise blueprint of what happens when Islam becomes politically dominant.
Lebanon was once:
80% Christian
A thriving, Western-facing nation
The “Paris of the Middle East”
Then came:
Islamic militias
Civil war
The rise of Hezbollah
The slaughter and expulsion of Christians
A nation transformed through demographic conquest
If Lebanon is the model the Pope is promoting, then he is endorsing:
Christian decline
Islamic entrenchment
The rise of extremist governance
Lebanon didn’t become coexistence; it became submission.
This is not a lesson for Europe to emulate; it’s the nightmare Europe is already living.
🔥 POINT 3: “Dialogue and Respect” Mean Nothing When One Side Is Bleeding
The Pope speaks of “dialogue,” “friendship,” and “respect.”
Tell that to:
French priests who now celebrate Mass behind locked doors
Jewish children who need armed guards for school
Women in Sweden, Germany, and the UK raped by “refugees” protected by political correctness
Christians in Nigeria, Egypt, Iraq, Syria, and Kenya are butchered while the Vatican whispers “dialogue.”
Christian martyrs don’t need platitudes. They need truth. And the truth is this:
The Qur’an’s theology of Jesus, Christians, and Jews is fundamentally incompatible with Christian survival.
Their OWN scholars teach:
Jesus will destroy the Cross
Jesus will abolish Christianity
Jesus will establish Islam as the only religion
(Ibn Kathir, Tafsir)
This is not respect. It is a replacement doctrine.
🔥 POINT 4: Islam’s Use of “Jesus” Is a Weapon -Not a Bridge
While the Pope gushes about coexistence, Islam advances a global PR campaign:
“We love Jesus too!”
This is a complete and utter lie!
The Islamic “Isa” is:
Not the Son of God
Not crucified
Not resurrected
Not the Redeemer
And in Islamic prophecy? Isa returns to abolish all religions except Islam.
This isn’t coexistence like the Pope likes to push; it is conquest carried out through calculated theological fraud.
As RAIR exposed in “The Counterfeit Christ: Islam’s War to Replace Jesus,” Islam doesn’t honor Jesus; it weaponizes Him.
🔥 POINT 5: The Pope Preaches Blindness While Christians Pay the Price
He tells Europeans to “be less fearful.”
Tell that to:
The families of the Stockholm truck massacre
The teenagers blown apart at the Manchester Arena
The victims of Christmas market attacks
Catholics who can no longer wear a cross in public
Communities where churches require armed guards just to hold Sunday Mass
Towns where Nativity scenes have been banned to “avoid migrants beheading Jesus”
Fear is not bigotry, it is the rational response of a civilization under attack.
The Pope has confused submission with compassion,
and Christians are paying the price.
🔥 POINT 6: HOW ABOUT HONESTY ABOUT WHY HE’S PUSHING MUSLIM MIGRATION INTO THE WEST?
If the Pope wants to talk about “fear,” then let’s address what he refuses to mention:
The Vatican is an active partner in the global refugee-resettlement machine, a billion-dollar industry moving overwhelmingly Muslim populations into Christian nations under the banner of “compassion.”
He scolds Europeans for wanting borders, rebukes Americans for insisting on national sovereignty, and sermonizes endlessly about “dialogue” as if lectures can replace the reality unfolding on the ground
But he never admits:
💰 The Catholic Church is one of the biggest financial beneficiaries of mass migration on earth.
Through government contracts, NGOs, and UN alliances, the Church earns massive income from resettling migrants.
He also never mentions:
🌍 His alignment with Amy Pope, the UN’s migration chief, who is engineering the very demographic transformation crushing Christian nations.
I exposed it plainly:
Pope Leo XIV met privately with UN migration czar Amy Pope just days before attacking Trump’s border protections.
The IOM, run by Amy Pope, is the operational engine of the global migration industry.
The UN pipeline is heavily influenced by the OIC. the same bloc pushing Islamic blasphemy laws and demographic expansion.
The Vatican provides this agenda with moral cover, while the UN provides it with institutional power.
This is a dangerous coordinated effort...
And if Lebanon is his “model,” then the Pope is not describing coexistence.
He is describing replacement disguised as virtue.
🔥 THE QUESTION HE REFUSES TO ANSWER
Why are you demanding that Europe and America absorb endless waves of Muslim migrants while you partner with the very networks engineering the West’s demographic transformation?
Because the truth is simple, this is the Great Replacement, sanctified from Rome.
He never pressures the 57 Muslim-majority nations of the OIC to take in their own migrants.
He only demands that the Christian West open its borders.
This is population transfer masquerading as piety.
⚡ DEMOGRAPHIC REPLACEMENT
While Christians across Europe bury their dead after jihadist attacks, Pope Leo XIV insists their fear is immoral. At the same time, he collaborates with UN migration architects, pressures Western nations to remain borderless, and funnels millions of Muslim migrants into the very communities being torn apart.
If he wants to lecture Christians about “fear,” then he must first explain:
Why is he helping engineer the demographic invasion he insists they should not notice?
Until he answers that, his sermons ring hollow.
A shepherd who leads his flock into wolves is not compassionate; he is complicit.
The Counterfeit Christ: Islam’s War to Replace Jesus
A counterfeit Christ is being unleashed to lead believers astray, a global Islamic deception weaponizing the name of Jesus to erase the Cross and conquer the West.
A counterfeit Christ is being unleashed to lead believers astray, a global Islamic deception weaponizing the name of Jesus to erase the Cross and conquer the West.
Why has the housing market been frozen since 2022?
Because the cost to buy a house with a mortgage (green) vaulted way above the a) cost to rent and b) the mortgage cost for existing owners.
The net result is that few people have a financial incentive to move. Cheaper to stay renting, cheaper to stay in current house/mortgage.
But - one interesting trend we are beginning to notice is the mortgage payment for existing owners (orange) is now growing faster than rent.
This is reversed from the post-pandemic period. Where sub-3% mortgages and still cheap taxes/insurance made for a very low cost to own for existing mortgage holders.
Now - taxes and insurance are up, and more of the mortgaged population is holding a 6%+ rate. So the costs for existing mortgage holders are rising.
This likely means we'll see more existing owners elect to sell in 2026, as it becomes less profitable for the average homeowner to rent out their house. And more profitable to cash out on your equity, sell, and rent for a bit until market corrects.
Translation: expect more for sale inventory, and more downward price pressure in the for sale market.
Because the cost to buy a house with a mortgage (green) vaulted way above the a) cost to rent and b) the mortgage cost for existing owners.
The net result is that few people have a financial incentive to move. Cheaper to stay renting, cheaper to stay in current house/mortgage.
But - one interesting trend we are beginning to notice is the mortgage payment for existing owners (orange) is now growing faster than rent.
This is reversed from the post-pandemic period. Where sub-3% mortgages and still cheap taxes/insurance made for a very low cost to own for existing mortgage holders.
Now - taxes and insurance are up, and more of the mortgaged population is holding a 6%+ rate. So the costs for existing mortgage holders are rising.
This likely means we'll see more existing owners elect to sell in 2026, as it becomes less profitable for the average homeowner to rent out their house. And more profitable to cash out on your equity, sell, and rent for a bit until market corrects.
Translation: expect more for sale inventory, and more downward price pressure in the for sale market.
1) The other obvious conclusion from the graph above is that finding a way to drive down the cost to buy a house would help unlock the housing market.
e.g., the closer the Mortgage Payment to Buy goes to Monthly Rent and Mortgage Cost for Current Owners, the more home sale transactions will take place.
As the financial incentive to move increases.
e.g., the closer the Mortgage Payment to Buy goes to Monthly Rent and Mortgage Cost for Current Owners, the more home sale transactions will take place.
As the financial incentive to move increases.
2) But that's proving harder to do to than anticipated.
The Fed has cut rates by 1.50% over the last year+, and there has been no meaningful decline in Mortgage Rates.
Meanwhile - national prices are still at near a record high, even if values are dropping in some markets.
The Fed has cut rates by 1.50% over the last year+, and there has been no meaningful decline in Mortgage Rates.
Meanwhile - national prices are still at near a record high, even if values are dropping in some markets.
We got one last week before the #FantasyFootball playoffs - let’s make it count 😤
Here’s our FULL LIST of starts and sits for Week 14 🏈
ALL CAPS = FAVORITE START/SIT ⬇️⬇️⬇️
Here’s our FULL LIST of starts and sits for Week 14 🏈
ALL CAPS = FAVORITE START/SIT ⬇️⬇️⬇️
#Seahawks at #Falcons:
Start:
Sam Darnold
Bijan Robinson
Kenneth Walker (flex)
JSN
Kyle Pitts (startable)
Sit:
Kirk Cousins
Zach Charbonnet (TD dependent)
Tyler Allgeier
Darnell Mooney (desperate flex)
Rashid Shaheed
AJ Barner
Start:
Sam Darnold
Bijan Robinson
Kenneth Walker (flex)
JSN
Kyle Pitts (startable)
Sit:
Kirk Cousins
Zach Charbonnet (TD dependent)
Tyler Allgeier
Darnell Mooney (desperate flex)
Rashid Shaheed
AJ Barner
#Steelers at #Ravens:
Start:
Lamar Jackson (lower floor)
Derrick Henry
Jaylen Warren
Kenneth Gainwell (flex)
DK Metcalf (flex)
Zay Flowers (flex)
Mark Andrews
Sit:
Pat Friermuth
Jonnu Smith
Isaiah Likely
Start:
Lamar Jackson (lower floor)
Derrick Henry
Jaylen Warren
Kenneth Gainwell (flex)
DK Metcalf (flex)
Zay Flowers (flex)
Mark Andrews
Sit:
Pat Friermuth
Jonnu Smith
Isaiah Likely