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Do you understand what happens when we deport ALL the illegal immigrants? - Housing prices plummet - Crime dramatically decreases - Insurance rates fall - Hospital overcrowding eases - Emergency rooms become less strained - Classrooms become less crowded - Wages increase - Insurance rates drop - Traffic decreases...

939,103 просмотров • 10 дней назад •via X (Twitter)

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🚨 THIS NUMBER SHOULD NOT EXIST The U.S. housing market is now at the most unaffordable level in history. Worse than the legendary 2006 housing bubble: The median U.S. home now costs $436,000. Five years ago? $270,000. That’s a 61.5% price increase. Wages over the same period? +29%. To qualify for a mortgage on a median-priced home today, Americans need a minimum of $127,000 in household income. The median household earns about $80,000. That means 75% of homes on the market are unaffordable for the average American family. 3 out of 4. Mortgage rates are the second punch. They went from 2.7% to 6.3% in just five years. Even if prices hadn’t moved, monthly payments would’ve nearly doubled. And here’s the part nobody wants to say out loud: On January 29th, Trump told his Cabinet he does not want housing prices to fall. He wants them higher. That’s great if you already own. It’s brutal if you’re trying to buy your first home. 99% of U.S. counties are less affordable than their historical norms. The country is short roughly 7.1 million homes. And construction is slowing. Existing home sales in 2025 are tracking around 4.1 million. That’s near the lowest level in three decades. Homeownership has fallen to 65%, down from 69% in 2004. This is the largest affordability crisis in modern U.S. housing history. Prices went up. Rates went up. Wages did not. And politicians do not want prices to fall. The average American family is not waiting for a better entry. That is the trap. They are locked out of the market. Reminder: I’ve called all the market tops and bottoms for the last 15 years, including the Bitcoin bottom at $16,000 and the top at $126,000. The next call will be even more important. When I exit the markets completely, I’ll post it here publicly like I always do. Turn notifications on. If you’re not following yet, you’ll understand why that was a mistake later.

Alex Mason 👁△

77,115 просмотров • 2 месяцев назад

Tennessee just did what Congress can't. They passed a law to break up the health insurance giants. Specifically, they made it illegal for pharmacy benefit managers — the companies in charge of pharmacy insurance — and pharmacies to be owned by the same company. That makes perfect sense. For example: CVS Caremark is the PBM, and CVS is the pharmacy. So if you have Aetna insurance, you have CVS Caremark as your PBM, and they're going to do everything they can to make sure you use CVS as your pharmacy. Aetna, Caremark, CVS — all the same company. That causes all kinds of incredibly obvious problems that this law hopes to fix. If your insurance company is in charge of approving your medication, deciding how much to pay for it, AND deciding who gets that money — while also being the pharmacy that gets paid at the end — guess what happens to prices? They go up. Governor Lee signed the law last week. CVS immediately filed a federal lawsuit because they said it will force them to close all 136 stores they have in Tennessee. Let that sink in. I'm not sure most people realize what that says about CVS and health insurance in general. They had to choose between owning the middleman (the PBM) or the healthcare provider (the pharmacy). Without hesitation, they chose the middleman. The biggest pharmacy chain in the country — with a store on every corner — would drop all 136 of their Tennessee locations in a second if it means keeping their middleman business. It is more profitable for them to be a health insurance middleman getting between you and your healthcare than it is to actually provide the healthcare. That is the problem with healthcare in America. We have made the middleman so powerful that they've taken complete control of the entire system. Three PBMs — Caremark, Express Scripts, and OptumRx — handle around 80% of all prescriptions in this country. How on earth can we expect healthcare to work well and remain affordable if that's where the money is? We all auto-pay our insurance straight out of our paycheck before we even see the money. And not surprisingly, they're keeping a ton of it. That's why we fired them. And they can't file a lawsuit to stop us. That lets us offer fair, transparent prices. No PBMs. No insurance games. No hidden markups. You see the cost, you pay the cost.

Forest Park Pharmacy

33,253 просмотров • 3 месяцев назад

Housing Affordability Will Return the Hard Way New homes selling for less than existing homes means builders are being forced to respond to the market before homeowners are. Builders carry construction loans, land costs, payroll and unsold inventory. They cannot wait indefinitely, so they cut prices, reduce square footage and offer mortgage rate buydowns. Existing owners with 3% or 4% mortgages can simply refuse to sell. Price discovery is therefore appearing first in new construction while resale prices remain supported by restricted supply. The comparison is not perfectly equal because new homes are increasingly smaller and concentrated in lower-cost regions. Even so, the reversal matters. A market that historically placed a premium on new construction now requires discounts to move inventory. Mortgage Demand Has Collapsed The deeper signal is mortgage activity. The purchase application index is roughly 35% below its long term average and about 70% below its 2005 peak. Application volume has fallen toward levels last seen around 1995 even though the U.S. population is nearly 29% larger. Measured per person, purchase application activity is therefore about 22% lower than it was three decades ago. In practical terms, a much larger country is producing nearly one quarter fewer mortgage applications per capita. This is not a lack of interest in owning a home. It is a failure of affordability. Mortgage rates were around 7.5% to 8% in 1995, but the median new home cost roughly $133,000. Today rates are somewhat lower, yet home prices are more than three times higher. Monthly payments have risen much faster than household incomes, while down payments, taxes and insurance have become larger barriers of their own. Transactions Usually Break Before Prices The historical pattern is that housing volume weakens before home prices fully adjust. That happened during the 2006 to 2008 downturn. Buyers disappeared first, inventory accumulated later, and prices fell more decisively once unemployment rose and forced selling increased. Today the mortgage lock in has delayed that process. Owners with low rates are holding properties off the market, preventing inventory from rising enough to clear prices. Builders do not have that luxury, which is why they are cutting first. Why Lower Rates May Not Be Enough Lower mortgage rates alone could bring sidelined buyers back and place another floor under prices. Real affordability requires both lower financing costs and lower home prices relative to income. That combination usually appears when the economy is weakening. Rising unemployment reduces household formation, forces some owners to sell and breaks the lock in effect. Inventory rises just as demand falls. Mortgage rates decline because growth and inflation are deteriorating, but lending standards tighten and fewer people feel secure enough to buy. That is the cruel part of the housing cycle. Homes become more affordable only after buyers become scarcer. The people who benefit most are those who retain employment, liquidity and access to credit through the downturn. Hormuz Could Accelerate The Reset A sustained Strait of Hormuz disruption would intensify this process with a lag. Higher oil prices raise gasoline, freight, airline, food and production costs. Households lose discretionary income, businesses see margins compressed and hiring slows. At first, the inflation shock could keep long term yields and mortgage rates elevated even as demand weakens. Later, if unemployment continues to rise and consumption deteriorates, rates would fall because the economy is breaking beneath the surface. That is the most likely path back to affordability. Not a painless return to cheap mortgages, but a recessionary reset in which employment weakens, forced supply increases and falling rates arrive too late to protect everyone.

EndGame Macro

250,798 просмотров • 1 месяц назад

🚨 JUST IN: JD Vance DROPS this line on Republicans as millions of Americans fall for socialism "If we don't get this right, don't blame young people for being sympathetic to socialism! We've got to blame ourselves!" "Making it possible for young people to afford to buy a home. THIS is how you stop socialism!" "And I think what is so unique and refreshing about Donald Trump's economic policies is that it's not the same old economic ideas that you would have heard 30, 40 years ago." "You DON'T stop socialism by throwing slogans about the free market." "You stop socialism by making people's lives BETTER." "I would say to that young person that you as an American citizen deserve to have a good life in this country, and you deserve to have a government that is making it easier for you to start a family, for you to afford to get a good education, for you to have a good job, for you to afford a home." "And what I would also say is that whilst these things sometimes take a little bit of time, we are already seeing the positive results come from the president's economic policies." "We're seeing trillions of dollars of new investment into this country, which means good middle class jobs for young people, middle income people, all across our country." "We're seeing housing prices finally stabilize. They doubled during the Biden administration." "They have finally kind of flatlined during the first year and a half of the Trump administration. We also want to get interest rates down, of course, so that young people can afford a home." "We want people to be able to afford the good things about this wonderful country that we all live in." 🇺🇸

Eric Daugherty

40,273 просмотров • 11 дней назад

WOW 🚨 US Attorney for California Bill Essayli says Democrats in Sacramento work on passing bills to give free down payments of homes of illegals He says American citizens have been moving out so Democrats are working to give illegals homes to replace the population “The dirty little secret is they want the flow of illegal immigrants — when you go to Sacramento, this is like the protected oppressed group of the day. And so all their bills every day is like, how do we protect illegal immigrants? How do we get more lawyers for them? How do we get them more services? How do we get them free down payment assistance to buy a home? I'm not joking. That was a bill when I was in Sacramento. They wanted to allow illegal immigrants to access down payment assistance to buy a home…. — legal immigrants and the actual Americans are not not getting that type of assistance” I looked it up and he’s absolutely correct Democrats have even tried this before California Democrats passed AB 1840 in September 2024. It would have made undocumented immigrants eligible for the California Dream For All program The program offers shared appreciation loans, effectively 0% interest, up to $150,000 for down payments and closing costs on first-time home purchases The bill passed the Assembly and Senate but was vetoed by Gov. Gavin Newsom, but only because there wasn’t any funding Not it looks like because of population decline something like this could be coming through the pipeline The population decline is very real too From 2010–2024 nearly 10 million people left for other states, while only 7 million moved in From 2023–2025 annual net domestic loss of 340,000 people Reasons are high housing costs, taxes, crime, and homelessness Stop voting Democrat and actually fix California’s rigged elections so they can actually vote these people out

Wall Street Apes

93,635 просмотров • 3 месяцев назад