I disagree @Cernovich May I respectfully offer a rebuttal from my own experiences 🙏 People today love to wax nostalgic about the good 'ole days of buying a home 'cheap'... because they never had to endure the economy back then, when homes were 'cheap'. They only see how it all worked out, that the home is now worth multiples more but neglect 'how it got there'. I am 59. The first home I bought in the 1992, I had to put down 20% of the home amount and I was paying around 9% interest rate (!!!) and i was underwater in the loan for over a decade. Further, the generation of home owners that preceded me had 10%+ interest rate on their mortgages - so the homes 'my generation' was buying from was releasing the prior owners from a huge burden, they thanked us profusely and they would say "free at last" and turn to their loved ones and say "we finally did it" Refinancing boom didn't become a thing until late late 1990's - and we were refinancing FROM 9% TO 6% - then in mid 2000's we refinanced down to around 4% - then in mid 2010's down to around 3.5% a 50 year mortgage is a slam dunk, and with a low down payment, WOW 🤩 if i were a first time home owner i would take it so fast your head would spin, you truly can't go wrong. I think it's inaccurate to look at the duration "you wont pay it off till your 90 years old" because that doesn't anticipate intrinsic appreciation of the underlying asset - nor the leverage it creates for future investments, nor the opportunities for resale. (ten years ago if someone borrowed money from a bank to buy bitcoin, it worked out well. In fact, I borrowed a bunch of money to buy stock in Administaff (now called Insperity $NSP) when it was $2 a share around 2002, it went to $40+. Only in retrosepct do I 'look smart' from holding that risk. Debt is not a new invention, nor is it a bad thing. It's what allows people to improve their economic situation and create generational wealth. Mortgages and home ownership is what created the American middle class and, i can say with authority from living in NYC and the boroughs, that it is also the immigrant success story. People come to America: a. get crappy jobs b. scrape up money to buy a home (something almost totally unobtainable for most people in the countries they are immigrating from, also most of those cultures they are leaving don't permit/tolerate women to work, so it's also the first time that a woman can become somewhat independent, plan and contribute for a future, have her own friends, pick up her kids from school, etc) c. They put their kids through school d. after a decade+ they sell their home to the next generation of immigrants and upper middle class aspirants e. Move to the burbs Lending: It is also my experience having been a significant investor in one of the largest preferred SBA 7(a) and 504 lenders, that people always anticipate arbitraging their loans. How can people get wealthy if they are deprived of the opportunities to hold risk, and this mechanism is expressed thru 'debt'. 🚨 After the Great Financial Crisis of mid 2000s the credit markets got WRECKED and credit worthiness evaluations *excluded* most prospective first time home owners. A lot of the 'lack of home ownership' that we are seeing now, is largely because of that - the problems from the credit markets from the generation before that now doesn't have the liquidity from having a home. In order to resolve bank's unwillingness to lend, and to stimulate the appetite for lending to risky borrowers and to improve the debt's secondary and tertiary markets, we desperately need 50 year paper. H/t to our friend @pulte and others for making this possible. And thank you also Mike, you're awesome 🙏

Their lying should come as no surprise. California's "parental exclusion" policy began with deception - adopted in secrecy during Covid, the teachers' lawsuit reveals - See @LegInsurrection:

Clinton needed a hack. Someone else's emails in the spotlight. And she needed it attributed to Russia. That was the only way the Steele dossier and Alfa Bank allegations were going to get airtime. The DNC hack is the biggest hoax in American history. The most brazen crime ever perpetrated.

This story is a good reminder that Democrats and their deep state enforcers don’t limit lawfare to their political enemies. They also go after ordinary, decent people who refuse to conform to their fake orthodoxy, in this case a poor guy who ended up in jail for modifying emissions systems so school buses and other vehicles could actually run in harsh weather.

🚨 ISLAMIFICATION OF TEXAS 🚨 According to local officials, the developers of EPIC City, the planned Islamic community outside Josephine, TX, are responding to state-wide backlash by quietly renaming the project “The Meadow.” “Development Group Community Capital Partners, LLC (CCP) appears to be getting ready to submit their plans to Collin County for review. CCP is the company behind EPIC City, an Islamic-focused community planned near Josephine, Texas... According to a diagram of the planned neighborhood, the developers have changed the name of the project to The Meadow. No plat has yet been filed with Collin County, but there are reports that CCP have filed or soon intend to file an application with the Texas Commission on Environmental Quality to form a municipal utility district for the development project. County officials also expect a plat application to be filed with the county soon.” We cannot allow the invasion to continue!

This just means your house will be owned by the bank until you die, and after. We don’t need 50 year mortgages. Get the illegal immigrants out of our country. Give America back to Americans.

If GOP Senators believe some Democrats remain -- but are not public -- who are opposed to ending the filibuster, then they should be named. If GOP Senators are relying on the good faith of a caucus that has shut down the Govt for the longest period ever for clearly partisan advantage, then they should make public THEIR reasons -- the GOP Senators -- for why they have would place such trust and confidence in the other side. I've seen it reported that Manchin and Sinema were willing to be the face of a policy unpopular in the Dem base, so that other Dems who agreed would not be exposed to primary challenges. GOP Senators should not now provide them the same cover. The inherent bad faith in the Dem's current posture, and the blatant lies they are telling about who is responsible for the shutdown and why, should be enough to strip away the ridiculous "collegiality" that causes one side to run cover for the other.

We don’t need 50-year mortgages. Deport 10-20 million illegal immigrants and free up millions of homes/apartments. GenZ and Millennials would realize that they’ve been competing with an entire foreign class in their own country, mainly for the benefit of Boomers.

Dude flew all the way to Puerto Rico to attend services at a pro-terror mosque. Man, we are in for some dark times ahead.

is there a more perfect portrait of the average mamdani voter than “I arrived thinking everything would be free”

she literally admits she’s been programmed to hate people. to hate conservatives. propaganda is going to destroy the country.

This might just be the biggest scandal and conspiracy in American history. Many heroes were involved in bringing this to light. Some we can name in coming days. Some who want no recognition. And there’s much more to this yet to be told. theblaze.com/news/former-cap…

Means a shutdown during the midterms to Democrats’ perceived advantage.

America is waking up today to learn that Capitol Police turned CIA orchestrated the pipe bombs on January 6th, and the FBI has covered it up for over fours years. I questioned FBI Dir. Wray, ATF Dir. Dettlebach, and FBI asst Dir. (over DC) D’Antuono under oath. All played dumb.

Many of my friends (and former colleagues) in the senate are against eliminating the filibuster because they don't think the Democrats will do it. This is just obviously wrong. The reason the filibuster exists is because of democratic senators Manchin and Sinema. Both of them had their careers destroyed by the far left for protecting the filibuster, and you better believe every senate Democrat internalized that lesson.

It’s really a rebuke of the First Circuit taking a pass on the Admin stay request. My guess is she called Roberts and he told her she had to do it.

2/ When you've gone so Cray-Cray that Justice Jackson enters a stay. supremecourt.gov/orders/cour…

BREAKING: Stay issued.

🚨BREAKING: U.S. Supreme Court allows Trump to withhold SNAP funding pending review — AP