Mortgage Spreads over the 10-year Treasury have gone from 1.50% to 2.50% through this panic.... which is why the 30-year mortgage rate has gone UP to 4% despite the Fed cutting rates. I’m guessing the spread will come down and then refi’s will pour in.

My boss's boss is like 42, never married, no kids. Earns $275-300K per year. Goes on a minimum of two international vacations a year w/ his girlfriend. 10 days, all out. Eats the best food, stays in top notch accomodations. Excursions, tours, nicest beaches, etc. Great guy, I'm happy for him. But what I've realized is that without kids, you end up chasing a lifestyle that has to continually be topped in order for you to be satisfied and find happiness. What he and others like him don't understand is that when you have children, seeing THEM experience life's most basic things and watching their eyes light up at all the "firsts", brings greater pleasure and joy than any vacation or travel experience ever could. Seeing THEM try blueberries for the first time is greater than dining at the best 5 star restaurant in Europe. Seeing THEM learn how to walk is greater than walking the Great Wall of China or strolling along the most picturesque beach. Watching THEM giggle uncontrollably at "peek-a-boo" tops any A-list comedian act. Seeing THEIR excitement when building a fort out of cardboard boxes and making a door big enough for daddy is superior to staying at 5-star resorts. Flying kites with THEM far outweighs excursions like parasailing or helicopter rides. Seeing THEM perform a recital on stage for the first time is more rewarding than watching a Broadway show or top notch symphony orchestra. ----------------- When you have children, all of a sudden you realize that life's greatest joys are not in the pursuit of things or pleasure or travel, but rather in the LOVE and bond you share with your very own image bearers. Seeing the beauty and magnificence and wonder of life all over again for the first time through THEIR eyes and expressions gives you something the world simply cannot offer, nor even come close.

Identity is not what you say about yourself. It's what you do when no one is watching. The real you shows up in the small decisions. The ones that don't count toward any streak. The ones nobody sees. That's where character is built. One quiet choice at a time.

Today, as we commemorate the anniversary of the Pro-Democracy protest against the Ortega-Murillo regime, we honor the lives of the victims of their brutal oppression. No one should be killed or imprisoned for fighting for their rights. I will not stop fighting alongside the brave Nicaraguan people advocating for their God-given rights until we see a FREE and DEMOCRATIC Nicaragua. 🇺🇸🇳🇮

The Trump Administration continues to hold the Murillo-Ortega dictatorship accountable for brutal human rights violations against Nicaraguans. I’m designating Nicaraguan Vice Minister of the Interior Luis Roberto Cañas Novoa for his role in human rights violations.

Indeed, I come from Latin America—I’ve lived in Venezuela, Colombia, and Peru—and the difference is enormous. But you notice it even more after living in the United States and then going back to countries in our region. For example, in December we were in Kentucky, and at the airport there was a nursing room. We went in there with our one-year-old baby, and we had a private room just for us, where our baby was able to take a one-hour nap while we waited for our flight. These are very small things that Americans take for granted—things they don’t even realize they have—that in other countries are still very far from existing. Likewise, last week during some construction work, an electrical line was damaged, and our building lost power for about half an hour. But they quickly blocked off the street, and linemen arrived to restore power. In my country, that would have taken weeks. There’s even a bit of culture shock when Latin Americans get used to living in the United States and then return to their home countries, whether for vacation or to move back permanently. Americans should be more appreciative of their country and the opportunities they have, even though social media algorithms sometimes make them feel like everything is going wrong.

RT @InvestingCanons: Less is more:

My Op Ed: A Family Dictatorship “Under the Horses’ Hooves”. The million-dollar question, is when Nicaragua’s time will come, after Venezuela, Iran, and Cuba, while Rosario Murillo is determined to crown herself in 2027 in yet another electoral farce confidencial.digital/en/engl…

Search on @Microsoft Outlook sucks. @satyanadella please fix it.

“Sin justicia no puede haber perdón, sin perdón no puede haber reconciliación, y sin una verdadera reconciliación no habrá paz para Nicaragua.” -Dr. Richard Sáenz Coen. M.D.

Two elite MIT professors—Daniel Hastings (Aeronautics & Astronautics) and Troy Van Voorhis (Chemistry)—share how cutting-edge science deepens their faith in God. Hastings: "There is a God who created the universe... a loving God who seeks a relationship with us and gives us free will to choose him or not. Our purpose is found in being in relationship with him." Van Voorhis: "The order and structure of natural laws suggests a God who ordained them. The astonishing complexity of living things suggests an architect who cares... Studying the natural sciences lets me learn a little about what God has done—and come to understand a little of what He is like: much bigger, grander, more awesome and majestic than I imagined." In the heart of one of the world's top scientific institutions, faith and discovery aren't at war—they fuel each other. Science revealing God, or God revealing science? What resonates most with you?

The main thing I’ve learned in 40-plus years as an entrepreneur is that nobody knows anything. Nobody knows if your idea is good or bad. You don’t know if it’s good or bad. You need to test your idea, trial it, collide it with reality. That’s the only way to learn.

😂😂😂😂😂😂😂😂😂😂

Hasta que no acaben con el régimen tirano de Cuba, América no será libre.

Why are HSAs connected in any way to insurance policies ? Don't we want people to save as much as possible for their healthcare ? Remove the link to insurance. Increase the caps considerably, or remove them altogether

According to President Trump, the southern border is closed. There is zero illegal migration over the southern border. Since the supply of undocumented immigrants is therefore cut why not be compassionate and pragmatic about the people who are already here? Sure, get rid of the crooks and the bad guys but the vast majority of this population are law abiding, God-fearing, family oriented folks seeking a better life for themselves and their children. And please, give the Dreamers a break. Keep the promise that those who have basically spent their entire lives in this country, can stay in this country.

Most people have heard of Karl Marx, but few know of his sister Onya, an Olympic runner. Her name is still mentioned at the start of every race.

It's a bitter irony that Jerome Powell explains his wild cost overruns by pointing to the high inflation rate that he caused.

Why aren't oil prices rallying on the chaos in Iran? Iran is a major producer. It sits on the Strait of Hormuz. Oil (WTI) today is $59. Normally, regime change implies supply risk which implies $100 oil. Not this time. The market isn't scared of a shortage. It is terrified of an inventory dump. Here is why Iran is sitting on a 160-million-barrel oil market grenade: 1. Iran runs on natural gas. Iranian power plants, their heating, their industry. It all relies on the massive South Pars field. While some natural gas production is "dry" (the nat gas comes out of the ground without any oil), South Pars is a wet gas reservoir. You cannot produce the natural gas at South Pars without also lifting a liquid byproduct called condensate. 2. Condensate: Condensate is ultra-light crude oil (API 53° in this case). Think of it as raw gasoline. The good: It is valuable if sold fresh. The bad: It is volatile. If you store it in a steel tank in the tropics for 12 months, it doesn't just evaporate. It oxidizes. The ugly: It becomes gummy. Refineries reject it because it fouls their heat exchangers. 3. The bind: Iran must pump the natural gas to keep the lights on in Tehran. That means they must figure out what to do with all the condensate produced from the same hole. Thanks to recently stricter enforcement of sanctions, as well as wartime Russia selling their sanctioned oil to China, Iran can't sell its condensate. So, what do you do? You put it on a boat. 4. The floating market time bomb: Iran currently has 160 million barrels floating offshore.(50 million anchored and 110 million creeping along at 2 knots to avoid authorities, mostly offshore Malaysia and the South China Sea). The scale: Iran currently accounts for over 75% of the world's floating storage, up from just 20% a year ago. 40% of Iranian floating oil is condensate. For context: Iran is now floating the equivalent of 40% of the entire US Strategic Petroleum Reserve (SPR) on boats. Maybe Iran had some masterplan or clever endgame for this oil? No. These floating oil tankers aren't strategic assets. They are expensive overflow containers. Each costing $50,000 per day in cash, they are holding a degrading product that is turning into sludge. The Iranian government isn't a speculator holding out for a better oil price. They are storing a crude oil byproduct, so they don't have to turn off the electricity in Tehran. The oil market knows this. If the regime falls and/or sanctions are lifted, this oil doesn't magically disappear. It gets dumped into global spot markets. And that, my friends, is why oil isn't rallying on Iran.

Mister @POTUS ahora que es presidente de Venezuela, le recuerdo que los Chamucos le deben 5 mil millones de dólares que se robaron con ayuda de Chávez y Maduro.

“Bullshit” — The New Way Health Giants Hide Billions" hntrbrk.com/pbmgpo/ This PBM GPO investigative story makes my blood boil... these intermediaries are why the list-to-net spread for many drugs is over 50% in the US... siphoning off dollars at the expense of patients and companies