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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
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.
The hatred of working class people by those who have taken over the left. A rambling thread. #takebacktheLEFT
I am strongly left leaning. I am the same kind of person who believed in the values that originally gave rise to parties such as Labour and Democrats.
I am not a revolutionary, I don't want social chaos. Many people like me became leftists because we wanted to see coal miners paid properly by rich factory owners and we wanted to see women be able to have choices other than being property of their husbands. The power and rise of the left came from these reasonable desires for fairness.
Unfortunately,
1/
I am strongly left leaning. I am the same kind of person who believed in the values that originally gave rise to parties such as Labour and Democrats.
I am not a revolutionary, I don't want social chaos. Many people like me became leftists because we wanted to see coal miners paid properly by rich factory owners and we wanted to see women be able to have choices other than being property of their husbands. The power and rise of the left came from these reasonable desires for fairness.
Unfortunately,
1/
3/ Unfortunately, the ideas behind leftism have some very serious limitations to them.
Don't get me wrong, think they were powerful ideas with important points to be made about exploitation. These analyses were important and valid, and I value them.
But what works in theory does not work in practice, at least not without limits.
One of the biggest problems on the left has been the fact that people who agree with leftist "analysis" of the problems have also bought into it's less useful solution and organizations.
We have seen that while many of the criticism of systemic greed that were valid were made by the left while certain remedies (revolution, forced collectivisation etc) were not.
Most people I know who vote to the left want regulation against capitalist excesses, they don't want to dismantle free enterprise. They also don't want to pay taxes for socialized medicine that goes fund the gender lobby (fake sex changes.)
The left of today is failing for a few reasons:
Don't get me wrong, think they were powerful ideas with important points to be made about exploitation. These analyses were important and valid, and I value them.
But what works in theory does not work in practice, at least not without limits.
One of the biggest problems on the left has been the fact that people who agree with leftist "analysis" of the problems have also bought into it's less useful solution and organizations.
We have seen that while many of the criticism of systemic greed that were valid were made by the left while certain remedies (revolution, forced collectivisation etc) were not.
Most people I know who vote to the left want regulation against capitalist excesses, they don't want to dismantle free enterprise. They also don't want to pay taxes for socialized medicine that goes fund the gender lobby (fake sex changes.)
The left of today is failing for a few reasons:
4/ The left of today is failing because instead of sticking to the goal of protecting the working class, it was hijacked to promote the interests of the academic and political class.
What happened to the left is part of what happens to most political movements that are founded on ideals:
those ideals get sold out, sometimes intentionally, sometimes through systemic failures.
Here's how it happened.
The left was built on ideas. Some of those ideas were good, and compelling.
Some of them were not so good.
But in order to promote the good and compelling ideas (protect the working class, pay people what they are worth, etc), we needed spokesmen. Those spokesmen were academics, polical people, and media workers. And THEY make their living by promoting ideas that don't solve problems. They make a living by promoting fake genders, academic programs, NGOs that get funding from the government they are supposed to be critical of.
As the left recruited affluent, Guardian class bourgeoisie people, we shouldn't be surprised to see the narratives of the left shift increasingly away from solving the problems of the working poor and into abstract narcissist agendas.
What happened to the left is part of what happens to most political movements that are founded on ideals:
those ideals get sold out, sometimes intentionally, sometimes through systemic failures.
Here's how it happened.
The left was built on ideas. Some of those ideas were good, and compelling.
Some of them were not so good.
But in order to promote the good and compelling ideas (protect the working class, pay people what they are worth, etc), we needed spokesmen. Those spokesmen were academics, polical people, and media workers. And THEY make their living by promoting ideas that don't solve problems. They make a living by promoting fake genders, academic programs, NGOs that get funding from the government they are supposed to be critical of.
As the left recruited affluent, Guardian class bourgeoisie people, we shouldn't be surprised to see the narratives of the left shift increasingly away from solving the problems of the working poor and into abstract narcissist agendas.
🧵 1/ AI may break the internet because it reduces the effort to produce good content, and therefore EFFORT no longer acts as a reliable signal of quality. There's an interesting economics back story if anyone is interested below.
wired.com/story/ai-slop-…
wired.com/story/ai-slop-…
2/ First, the Internet is an information "Market for Lemons."
When used car lots were new in the 50s-60s, there was no way to tell whether you were buying a bad car (a lemon), or a good one (a peach). There was no Carfax or even standardized VINs.
sfu.ca/~wainwrig/Econ…
When used car lots were new in the 50s-60s, there was no way to tell whether you were buying a bad car (a lemon), or a good one (a peach). There was no Carfax or even standardized VINs.
sfu.ca/~wainwrig/Econ…
3/ Because buyers didn't know a good car from a bad, they would only pay the *average* price between them.
Since they paid the "same price," for a peach or al lemon, buyers underpaid for good cars and overpaid for bad.
Car dealers might not have started out bad, but..
Since they paid the "same price," for a peach or al lemon, buyers underpaid for good cars and overpaid for bad.
Car dealers might not have started out bad, but..
It is axiomatic that if one refuses to recognize a problem, one cannot find its solution. JD Vance is gaslighting and pandering to the Jewish community.
Look at how he distinguishes antisemitism from racism and for what purpose.
1)
Look at how he distinguishes antisemitism from racism and for what purpose.
1)
The Woke Right or Woke Reich as some call them is real and their ideas are being mainstreamed by J.D. Vance's close friend Tucker Carlson, Candace Owens and others.
2)
2)
In fact, Kevin Roberts, the President of the Heritage Foundation has come under fire for his support for Tucker Carlson and Pat Buchanan and the scandal has damaged the reputation of both himself and the Heritage Foundation with employees and
3)
3)
In 2010, Time Warner CEO said Netflix ($9B market cap) wasn’t a threat, calling it “the Albanian army”.
In 2025, Warner Bros sold to Netflix ($425B) for $83B.
How‘d NFLX do it? One reason was overpaying for 10x talent as explained in a 2009 Culture deck.
Here are 9 key slides:
In 2025, Warner Bros sold to Netflix ($425B) for $83B.
How‘d NFLX do it? One reason was overpaying for 10x talent as explained in a 2009 Culture deck.
Here are 9 key slides:
1/ Netflix competes in media and tech (knowledge work that requires creativity). High-performers in these fields can be 10x better than the average.
In a "procedural" field (manufacturing), the best may only be 2x better (industries that deal with atoms are naturally capped).
In a "procedural" field (manufacturing), the best may only be 2x better (industries that deal with atoms are naturally capped).
2/ Most businesses get more complex as they grow. To deal with this, companies introduce processes (and bureaucracy) and curtail freedom.
In "procedural" industries (e.g., manufacturing), good processes will often make up for a lack of "high-performing" creative talent.
In "procedural" industries (e.g., manufacturing), good processes will often make up for a lack of "high-performing" creative talent.
I was reviewing the Title VI hostile environment case of Yakoby v. University of Pennsylvania, currently on appeal to the Third Circuit. The district court dismissed the case with the remarkable and totally false assertion that “At worst, Plaintiffs accuse Penn of tolerating and permitting the expression of viewpoints which differ from their own.” 1/
Reviewing the plaintiffs complaint, here are some of the allegations made by the plaintiffs that have nothing to do with "tolerating the expression of viewpoints that differ from their own." 2/
Penn received antisemitic emails threatening violence naming Penn Hillel and Lauder College House specifically, and failed to warn students about the threats. 3/
WARNING: LONG THREAD 🧵
Dear Americans,
Your political and media class has sold you a very convenient fairy tale for decades - the tale of how your tax dollars pay to defend freeloading Europe.
While it's an emotionally satisfying narrative, it's also wrong.
THE U.S. DOES NOT SUBSIDIZE EUROPEAN DEFENCE.
You are not running a charity, you are running an empire. And empires are costly.
Your forward deployments, your bases, your carrier groups, etc. - they are the pillars of a global security architecture that mainly serves you: to protect your trade routes, your currency, your corporate supply chains, your ability to project force anywhere on the planet in hours and days, not months.
Let’s walk through this like adults, and not emotional toddlers, shall we?
Dear Americans,
Your political and media class has sold you a very convenient fairy tale for decades - the tale of how your tax dollars pay to defend freeloading Europe.
While it's an emotionally satisfying narrative, it's also wrong.
THE U.S. DOES NOT SUBSIDIZE EUROPEAN DEFENCE.
You are not running a charity, you are running an empire. And empires are costly.
Your forward deployments, your bases, your carrier groups, etc. - they are the pillars of a global security architecture that mainly serves you: to protect your trade routes, your currency, your corporate supply chains, your ability to project force anywhere on the planet in hours and days, not months.
Let’s walk through this like adults, and not emotional toddlers, shall we?
1. Power projection, not philanthropy
Your prosperity rests on your ability to project power -military, financial, informational.
Your ports are not overflowing with cheap goods and energy because the world thinks you’re cute or because U.S. Treasuries are sacred. You sit at the center of the system because you guarantee that system with force: sea lanes, chokepoints, sanctions, no-fly zones when it suits you.
No one forced the U.S. into that role. Washington chose it because the benefits - geopolitical leverage, economic primacy, dollar hegemony - are enormous. Stop pretending it’s some unreciprocated act of kindness toward Europe.
Your prosperity rests on your ability to project power -military, financial, informational.
Your ports are not overflowing with cheap goods and energy because the world thinks you’re cute or because U.S. Treasuries are sacred. You sit at the center of the system because you guarantee that system with force: sea lanes, chokepoints, sanctions, no-fly zones when it suits you.
No one forced the U.S. into that role. Washington chose it because the benefits - geopolitical leverage, economic primacy, dollar hegemony - are enormous. Stop pretending it’s some unreciprocated act of kindness toward Europe.
2. Europe is your global hub
Open a map. Then look at where your stuff is.
Europe is the logistical backbone that lets you wage war and conduct operations across Africa, the Middle East, and parts of Asia without having to move everything across the ocean every time.
Ramstein and the rest of the European network are not there to “protect Germany’” They are there because from European soil you can:
- Fly troops and cargo to Iraq, Syria, the Gulf, the Sahel, Afghanistan and back with minimal time loss.
- Run command-and-control, ISR, and drone operations into multiple theatres.
- Treat wounded and rotate forces efficiently because the entire infrastructure is already in place.
You could try to rebuild that from scratch inside CONUS or in less stable regions. It would cost you billions, take years, and give you worse geography. Forward basing in allied countries is, in many analyses, cheaper than constantly rotating equivalent forces from the U.S. and trying to replicate those hubs at home.
So no, you’re not “paying to defend Europe.” You’re paying for real estate that underwrites your global reach.
Open a map. Then look at where your stuff is.
Europe is the logistical backbone that lets you wage war and conduct operations across Africa, the Middle East, and parts of Asia without having to move everything across the ocean every time.
Ramstein and the rest of the European network are not there to “protect Germany’” They are there because from European soil you can:
- Fly troops and cargo to Iraq, Syria, the Gulf, the Sahel, Afghanistan and back with minimal time loss.
- Run command-and-control, ISR, and drone operations into multiple theatres.
- Treat wounded and rotate forces efficiently because the entire infrastructure is already in place.
You could try to rebuild that from scratch inside CONUS or in less stable regions. It would cost you billions, take years, and give you worse geography. Forward basing in allied countries is, in many analyses, cheaper than constantly rotating equivalent forces from the U.S. and trying to replicate those hubs at home.
So no, you’re not “paying to defend Europe.” You’re paying for real estate that underwrites your global reach.
Hi I will be live reporting today's meeting of the 14th Police District Council for @CHIdocumenters
The meeting is scheduled for 1pm CST at 1701 N Milwaukee Ave. More details can be found at ccpsa.chicago.gov/district-counc…
The meeting is scheduled for 1pm CST at 1701 N Milwaukee Ave. More details can be found at ccpsa.chicago.gov/district-counc…
To learn more about the District Councils and the Commission for Public Safety and Accountability, visit their website (linked below).
Graphic: ccpsa.chicago.gov
Graphic: ccpsa.chicago.gov
Today’s meeting will discuss if police can be investigated for cooperating with ICE agents. More real time updates are available on the 14th District Council’s Facebook page (linked below).
Graphic: facebook.com/DistrictCounci…
Graphic: facebook.com/DistrictCounci…
‘Zachariah Ahmed Qureshi Identified As Suspect In Murder Of Charlie Kirk’ - RTV
*Zachariah Qureshi: The Arabic-speaking gov’t/DoD contractor from intel/Booz Allen partner firm, Hunter Strategies (Matt Triner), who does LIVE TRANSLATION for the SEMI-ANNUAL LDS GENERAL CONFERENCE.
*Zachariah Qureshi: The Arabic-speaking gov’t/DoD contractor from intel/Booz Allen partner firm, Hunter Strategies (Matt Triner), who does LIVE TRANSLATION for the SEMI-ANNUAL LDS GENERAL CONFERENCE.
*Props to @unklereichman on the Zachariah Qureshi murder suspect news headline.🫡
@unklereichman *Props to @unklereichman on the video of Zachariah Qureshi fleeing the murder scene oddly wearing one black glove on his right hand.
1/ 🧵 EXPLAINED: “BRICS gold-backed currency” (the UNIT) — and why stackers should care.
Lots of noise. Some signal. Here’s the clean version.👇
Lots of noise. Some signal. Here’s the clean version.👇
2/ First: BRICS has NOT officially adopted a single common currency (despite years of headlines). Even BRICS officials have repeatedly emphasized national-currency settlement over a new shared currency.
3/ So what is “UNIT” actually?
UNIT is best described as a proposed settlement / unit-of-account concept linked to a basket:
✅ gold + ✅ BRICS currencies often tied to the IRIAS framework — but not an official BRICS policy instrument.
UNIT is best described as a proposed settlement / unit-of-account concept linked to a basket:
✅ gold + ✅ BRICS currencies often tied to the IRIAS framework — but not an official BRICS policy instrument.
On this day in 1865, the 13th Amendment of the United States Constitution is ratified, abolishing slavery.
This picture is 25 years after the end of slavery.
How Slavery continued after the 13th amendment ‘abolished slavery’
A THREAD
This picture is 25 years after the end of slavery.
How Slavery continued after the 13th amendment ‘abolished slavery’
A THREAD
In 1866, a year after the amendment was ratified, Alabama, Texas, Louisiana, Arkansas, Georgia, Mississippi, Florida, Tennessee, and South Carolina began to lease out convicts for labor.
This made the business of arresting black people very lucrative, thus hundreds of white men were hired by these states as police officers.
Their primary responsibility being to search out and arrest black peoples who were in violation of ‘Black Codes’
Their primary responsibility being to search out and arrest black peoples who were in violation of ‘Black Codes’
