Wayne Key

Retired Doctor Chiropractic, Retired Mortgage Broker
Business Owners Across From 101st Airborne, Got the Greatest Wife In The World. Favorite Place...Beach

[Wayne Key @DrWayneKey]

Good talk today. One caveat...

My wife and I live in a blue state, KY, and I know that there is a state income tax here. It's not too bad... especially when we were working.

However, we are now retired and are ready for a change. Our son and his family live in FL and we want to be near them and become full time FL residents.

Please consider that non-wealthy seniors that move to FL should not be punished for very long on this property tax bill... because we will contribute to the local economy, as well as those who have been FL residents for a long time
People like us are think hard about spending $7-9,000 in property taxes per year on a $600,000 home. Ours is about $2,800 in KY (essentially a lateral move)
Fixed income seniors can't absorb a big hit for very long. For sure, out of state, young people desiring home ownership can't either.

Consider this when drafting time comes around.

You've been a fabulous governor. I know that a bright future awaits you.

Regards

[Wayne Key @DrWayneKey]

@GovRonDeSantis

Good talk today. One caveat...

My wife and I live in a blue state, KY, and I know that there is a state income tax here. It's not too bad... especially when we were working.

However, we are now retired and are ready for a change. Our son and his family live in FL and we want to be near them and become full time FL residents.

Please consider that non-wealthy seniors that move to FL should not be punished for very long on this property tax bill... because we will contribute to the local economy, as well as those who have been FL residents for a long time

People like us are think hard about spending $7-9,000 in property taxes per year on a $600,000 home. Ours is about $2,800 in KY (essentially a lateral move)

Fixed income seniors can't absorb a big hit for very long. For sure, out of state, young people desiring home ownership can't either.

Consider this when drafting time comes around.

You've been a fabulous governor. I know that a bright future awaits you.

Regards

[Wayne Key @DrWayneKey]

@POTUS @realDonaldTrump @VP @SecScottBessent Americans just lost 5,000,000,000,000.00 in options expiring today. Not a great look. Open the strait. Finish the war. This is hurting people.

[Wayne Key @DrWayneKey]

@FINRA_Robbed_Me @johnbrda I hope you do nail them. That U3 halt gave me a heart attack, along with a triple bypass. Haven’t been the same since.

[Wayne Key @DrWayneKey]

@GadSaad New Yorkers, you voted for it. There is no going back now.

[Wayne Key @DrWayneKey]

@EricLDaugh Marco is getting it done. No more apologizing
Hopefully, we are done with all that

[Wayne Key @DrWayneKey]

@17QStorm @johnbrda Just think, who is afraid of the truth? Ask yourself that question.

[Wayne Key @DrWayneKey]

@RepTimBurchett you are now the fraud guy. Don’t just focus solely on what’s going on in Minnesota and other hot newsworthy stories.

Look into the agencies especially FINRA And the SEC Look into Wall Street. The MMTLP scandal affected approximately 65,000 people. It’s real. It happened. And no one has had the guts to make what happened transparent. That should tell you everything.

[Ann Vandersteel™️ @annvandersteel]

OPEN LETTER TO REP. TIM BURCHETT

The #MMTLP community is more than 100,000 investors strong. Their money has been frozen. Lives have been upended. Some have been lost. Promises of accountability have quietly disappeared.

DOGE was created to expose fraud. Well Congressman Burchett, this is fraud. And it is a slam dunk.

What happened with MMTLP is not a mistake or a market glitch. It is a coordinated financial crime, covered up by regulatory agencies protecting their friends on Wall Street. This is a heist bigger than Enron, bigger than FTX, bigger than Madoff.

The financial cabal, working hand in glove with the intelligence community, runs the American corporate system. They have everything to lose. That is why they are fighting accountability at every turn.

If you are truly in Washington to serve the people, you will take this case seriously. You will accept the evidence. You will investigate. You will indict. And you will prosecute the criminals responsible.

Start with the SEC. Start with Gary Gensler. Start with FINRA. Then follow the trail to the Wall Street firms that naked short sold MMTLP into oblivion.

This community can prove the fraud. The evidence is complete. It is documented. It is overwhelming.

I have reviewed it myself. And I will stake my reputation on these facts.

The question is simple.
Will you stand with the American people
or continue to protect the system that robbed them?

@RepTimBurchett @DOGE

[Wayne Key @DrWayneKey]

@SECPaulSAtkins apparently transparency was not the best policy when it came to MMTLP.

Inconvenient Truth

[Wayne Key @DrWayneKey]

True. I had a heart attack the day of the U3 halt, with triple bypass early the next morning.

[Ann Vandersteel™️ @annvandersteel]

Cancer does not wait, and neither do medical bills. Yet when MMTLP was frozen, families were told to be patient while regulators hid behind process.

Leukemia treatments moved forward. Surgeries moved forward. Debt moved forward. The only thing that did not move was the money people needed to survive.

That is not neutral oversight. That is real harm. #MMTLP

[Wayne Key @DrWayneKey]

Floridians, take note of what’s happening in Tallahassee. The solution is simple. Eliminate Homestead property taxes across the board. Florida is a successful state due to @GovRonDeSantis

His proposal makes the most sense. Seniors and young people need help right now, not in three years, not in 10 years.

The short fall can be made up in various ways. Don’t be confused with the other resolutions, they are of no significant meaningful help right now .

Encourage those in Tallahassee to put forth one and only one proposal on the ballot, otherwise it will be confusing to voters.

Become informed now and voice your opinion this is a major issue that will affect everyone in Florida that has a homesteaded property push for house joint resolution 201 (HJR201)

This bill provides immediate relief. Encourage your congressman or senator to Push for HJR201 and let them know that it’s just the only bill that should be placed on the ballot.

Cities, counties, and other municipalities may not want this. However, they need to understand that the citizens of Florida come first. They will find a way to fund whatever projects that they want to get funded. They will find a way to fund police parks and recreational facilities, and library.

This opportunity may never come around again. This opportunity may NEVER come around again.

HJR201 is the only real guarantee for the people of Florida. Express this to your leaders and Tallahassee. Tell them to forget all other proposals. They want to put more than one proposal up for vote. This is a bad idea because it will confuse people.

Forget all of the noise and stay focused on HJR20 one, only.

Below, you can see that they are trying to put multiple proposes on the ballot. This will not work. It will not work because there needs to be at least 60% of Florida voters to pass legislation that will change the constitution in Florida.

👇👇👇THIS IS NOT WHAT YOU NEED

A second proposal to eliminate property taxes in Florida is now ready for a vote by the full House https://t.co/eO4WJ0kRnV

[Wayne Key @DrWayneKey]

@GovRonDeSantis Say NO to HJR 203! 10 years is a DECADE LATE for Seniors. Stick to your first instincts! Special session if necessary. FL needs 1 simple plan to choose from. HJR 201 provides just that. Time to play the TRUMP CARD

[Wayne Key @DrWayneKey]

@cvpayne She doesn’t know what to do about MMTLP. This is absurd.

[Stephanie 🇬🇧🇺🇸🦍 @stephmase22]

🙈🙉🙊 WE DON'T KNOW WHAT TO DO WITH MMTLP 🙊🙉🙈

This is the @SECGov approach to the MMTLP U3 Halt.

Sadly this is their approach with the entire RIGGED MARKET

SEC NEEDS TO BE INVESTIGATED

[Wayne Key @DrWayneKey]

@VP @realDonaldTrump @howardlutnick @sturnerofficial @DrRandPaul @cvpayne @LarryKudlowShow @pulte

I'm a KY resident... just trying to be creative. I know this needs work, but there are some valid points. 2026 is just around the corner. Big splash time!

⚡️They are SCREAMING⚡️

😱Affordability and Housing😱

💡Let's face it, even a .75% bps rate cut, just doesn't cut it. Home prices are just too high for most young people.

💡But this idea, not only gets them into a home, it helps them, until their wages catch up as the OBBB plays out.

💡Added Benefit ** Equity builds over 4 years.

💡ANSWER-TAX CREDIT of up to 200,000 ($50,000 per year for 4 years)

Here's what GROK says

The Homeownership Boost Act of 2026.

It's meaningful (grounded in data-driven tweaks for feasibility and impact) but bold (larger credit, stricter controls, and mandates to force 1-2 million new units over 5 years).

✳️ It starts in 2026, aligning with incoming Trump-era reforms promising "aggressive" housing changes.

💡 Key Elements Tax Credit Structure: Up to $200,000 total ($40,000 per year for 5 years) for buyers of new owner-occupied single-family homes. This drives demand without original fiscal overload. Credits vest annually via IRS refund, tied to continued primary residency (clawback if sold early). No income limits to broaden appeal and stimulate economy-wide growth, but phase out above 150% of area median income (AMI) to focus ~80% on middle/lower earners while avoiding pure giveaways to the wealthy.

💡Builder Profit Cap: Builders need to "play ball"

Net profit margin capped at 10% for qualifying projects (above 2025 averages of 7-9% but below high-end 12-15%, per NAHB and industry reports). This ensures builders pass ~5-10% more savings to buyers via lower prices. Enforcement via mandatory IRS audits for participants, with penalties (e.g., 20% fine on excess profits) redistributed as additional buyer credits. To qualify, builders must certify costs transparently (e.g., via standardized reporting on land, materials, labor).

💡Supply-Side Mandates: Builders opting in must commit to production targets—e.g., 20% of units in developments priced at or below regional median (~$410k nationally, adjusted by HUD data). Federal grants ($50k per affordable unit) to offset costs, funded by recaptured penalties. Pair with $10B in incentives for states/localities to reform zoning (e.g., bonuses for upzoning single-family areas to allow duplexes/triplexes, streamlining permits to cut build times 20-30%).

💡Additional Boosts: Military/seniors get a 20% credit uplift ($240k max) for relocations/downsizing.

💡Sustainability kicker: Extra $10k credit if home meets energy-efficient standards (e.g., net-zero ready), aligning with NAHB pushes for green building.

💡Projected ImpactAffordability Gains: For a $410k home, this slashes effective cost by ~50% over 5 years, enabling 200-300k more annual buyers (boosting new sales from ~700k in 2025). Equity builds faster, with models showing 10-15% price moderation via forced supply (per Up for Growth's 2025 report on underproduction).

💡Economic Ripple: Could add 1-1.5M new units by 2030, creating 500k jobs in construction/trades (addressing NAHB's skilled labor shortages). No income caps keep it broad, but phaseouts prevent abuse—stimulating GDP by $100-150B annually via housing activity.

💡 Supply Increase: Mandates and zoning incentives tackle root causes; 2025 analyses (e.g., CBRE, NCSL) show regulatory reforms alone could unlock 20-30% more builds by reducing barriers like excessive fees (up 25% since 2020).

😢Potential Drawbacks and MitigationsFiscal Cost: $100B annually at peak (assuming 500k claimants), offset by economic growth taxes ($40B recouped) and penalty funds. It's Aggressive vs. current $15-50k proposals. Inflation Risk: Profit cap and affordable-unit mandates minimize sellers capturing subsidy (unlike 2008 credit's 5-10% price hikes). If prices rise >5%, trigger auto-adjustments (e.g., credit caps).

⁉️Enforcement Challenges: Bureaucracy for audits/margins—mitigate with tech (AI-assisted reporting) and phased rollout (start with large builders like Pulte/D.R. Horton). Market Distortion: Favors new SFH; counter by expanding to multifamily in future phases, per bipartisan bills.

MAAA= Make America Affordable Again

[Wayne Key @DrWayneKey]

@VP @realDonaldTrump @howardlutnick @sturnerofficial

⚡️They are SCREAMING⚡️

Affordability and Housing

💡The fix could be just this simple. It would help so many sectors of the economy. It would help 1st time buyers, seniors, and the military. The market would boom across the country. To maximize the effect, do not place income limits. This would be for owner occupied single family residences only.

⁉️Let's face it, even a .75% bps rate cut, just doesn't cut it. Home prices are just too high for most young people.

🧐But this idea, not only gets them into a home, it helps them ✳️STAY IN THEIR NEW HOME✳️, until their wages catch up as the OBBB plays out. ⚡️Added Benefit ** Equity builds over 4 years.

😱It has to be eye popping.....something like this:

Beginning in 2026 New single family home primary residence buyers would get a

✳️TAX CREDIT of up to $400,000 ✳️($100,000 per year for 4 years)

Affordability and Housing - Keep it Simple

[Wayne Key @DrWayneKey]

OK it was too much, it's been refined...see what GROK seems to think now

The Homeownership Boost Act of 2026.

It's meaningful (grounded in data-driven tweaks for feasibility and impact) but bold (larger credit, stricter controls, and mandates to force 1-2 million new units over 5 years).

It starts in 2026, aligning with incoming Trump-era reforms promising "aggressive" housing changes.

Key Elements

Tax Credit Structure: Up to $200,000 total ($40,000 per year for 5 years) for buyers of new owner-occupied single-family homes. This drives demand without original fiscal overload.

Credits vest annually via IRS refund, tied to continued primary residency (clawback if sold early). No income limits to broaden appeal and stimulate economy-wide growth, but phase out above 150% of area median income (AMI) to focus ~80% on middle/lower earners while avoiding pure giveaways to the wealthy.

Builder Profit Cap: Net profit margin capped at 10% for qualifying projects (above 2025 averages of 7-9% but below high-end 12-15%, per NAHB and industry reports). This ensures builders pass ~5-10% more savings to buyers via lower prices. Enforcement via mandatory IRS audits for participants, with penalties (e.g., 20% fine on excess profits) redistributed as additional buyer credits. To qualify, builders must certify costs transparently (e.g., via standardized reporting on land, materials, labor).

Supply-Side Mandates: Builders opting in must commit to production targets—e.g., 20% of units in developments priced at or below regional median (~$410k nationally, adjusted by HUD data). Federal grants ($50k per affordable unit) to offset costs, funded by recaptured penalties. Pair with $10B in incentives for states/localities to reform zoning (e.g., bonuses for upzoning single-family areas to allow duplexes/triplexes, streamlining permits to cut build times 20-30%).

Additional Boosts:Military/seniors get a 20% credit uplift ($240k max) for relocations/downsizing.

Sustainability kicker: Extra $10k credit if home meets energy-efficient standards (e.g., net-zero ready), aligning with NAHB pushes for green building.

Pilot in high-shortage areas (e.g., CA, NY, TX) with federal overrides on local regs if supply lags.

Projected ImpactAffordability Gains: For a $410k home, this slashes effective cost by ~50% over 5 years, enabling 200-300k more annual buyers (boosting new sales from ~700k in 2025). Equity builds faster, with models showing 10-15% price moderation via forced supply (per Up for Growth's 2025 report on underproduction).

Economic Ripple: Could add 1-1.5M new units by 2030, creating 500k jobs in construction/trades (addressing NAHB's skilled labor shortages). No income caps keep it broad, but phaseouts prevent abuse—stimulating GDP by $100-150B annually via housing activity.

Supply Increase: Mandates and zoning incentives tackle root causes; 2025 analyses (e.g., CBRE, NCSL) show regulatory reforms alone could unlock 20-30% more builds by reducing barriers like excessive fees (up 25% since 2020).

Potential Drawbacks and MitigationsFiscal Cost:

$100B annually at peak (assuming 500k claimants), offset by economic growth taxes ($40B recouped) and penalty funds. Aggressive vs. current $15-50k proposals.

Inflation Risk: Profit cap and affordable-unit mandates minimize sellers capturing subsidy (unlike 2008 credit's 5-10% price hikes). If prices rise >5%, trigger auto-adjustments (e.g., credit caps).

Enforcement Challenges: Bureaucracy for audits/margins—mitigate with tech (AI-assisted reporting) and phased rollout (start with large builders like Pulte/D.R. Horton).

Market Distortion: Favors new SFH; counter by expanding to multifamily in future phases, per bipartisan bills.

[Wayne Key @DrWayneKey]

@VP @realDonaldTrump @howardlutnick @sturnerofficial

⚡️They are SCREAMING⚡️

Affordability and Housing

💡The fix could be just this simple. It would help so many sectors of the economy. It would help 1st time buyers, seniors, and the military. The market would boom across the country. To maximize the effect, do not place income limits. This would be for owner occupied single family residences only.

⁉️Let's face it, even a .75% bps rate cut, just doesn't cut it. Home prices are just too high for most young people.

🧐But this idea, not only gets them into a home, it helps them ✳️STAY IN THEIR NEW HOME✳️, until their wages catch up as the OBBB plays out. ⚡️Added Benefit ** Equity builds over 4 years.

😱It has to be eye popping.....something like this:

Beginning in 2026 New single family home primary residence buyers would get a

✳️TAX CREDIT of up to $400,000 ✳️($100,000 per year for 4 years)

Affordability and Housing - Keep it Simple

[Wayne Key @DrWayneKey]

IN SUMMATION (by Super Grok)

Overall, Vandersteel's presentation is passionate and evidence-based enough to warrant deeper scrutiny—it's not tinfoil-hat stuff, but a spotlight on how self-regulated orgs like FINRA might prioritize members (broker-dealers) over retail. If true, it exposes systemic flaws in OTC trading that could affect other stocks. I'd love to see an independent probe (maybe via DOGE or new SEC leadership) to release unredacted blue sheets and settle the share count debate once and for all. Until then, this feels like another win for the "markets are rigged" crowd, and videos like this keep the pressure on.

@VP @realDonaldTrump @SusieWiles @cvpayne

[Ann Vandersteel™️ @annvandersteel]

🔫This is one of several smoking guns.

The 1st $MMTLP Corporate Action stated shareholders would receive one (1) share of Next Bridge Hydrocarbons on 12/14/22, while simultaneously declaring MMTLP shares cancelled effective 12/13/22.

As written, that is logically impossible. A security cannot be cancelled before the date required to receive the distribution. Had this Corporate Action been properly reviewed under @FINRA Rule 6490, it never should have appeared on the Daily List.

Meanwhile, the SEC was engaged in email communications with FIF, a broker-dealer trade organization, regarding concerns over synthetic (fake) shares and uncovered short positions being carried by broker-dealers.

Rather than force reconciliation or require shorts to cover, FINRA, the regulator overseeing those same broker/dealers, ensured they never had to. FINRA later claimed it relied on language from a December 23rd press release, yet still failed to include the correct 12/14/22 (after market close) share cancellation date. Instead, FINRA doubled down by deleting the MMTLP symbol on 12/13, an action that typically coincides with share cancellation.

By doing so, FINRA, not Meta Materials or Next Bridge, forced a Mandatory Exchange/Reorganization on December 13, regardless of issuer intent. Every brokerage was compelled to comply because it was FINRA’s Corporate Action, not the issuer’s.

Then, just three days before the position was set to close, FINRA invoked a U3 halt, an extraordinary measure reserved for industry preservation emergencies, to halt a security that was never supposed to trade in the first place.

The result: short positions were frozen in place, reconciliation was avoided, innocent investors were locked out, and entire #MMTLP portfolios were effectively wiped out leaving a path of destruction and despair for over 65,000 #MMTLPFAMILY members.

FINRA later removed the requirement that MMTLP be held through 12/14/22, a change that appeared only months later in its first FAQ, after the damage was already done.

This is a clear example of regulatory coordination and FINRA acting outside its scope of duty.

Unless someone can point to where FINRA is authorized to rewrite an issuer’s Corporate Action in a way that causes settlement failure and protects broker/dealers, this was regulatory misconduct.

Perhaps representatives from FINRA and the @SECGov or @SecScottBessent would like to comment at the upcoming Press Conference in front of the SEC?
Will the @TheJusticeDept send anyone?

The #MMTLPARMY will be there...💪

[Wayne Key @DrWayneKey]

@VP @realDonaldTrump @JamesComer @SecScottBessent @SECPaulSAtkins @SusieWiles @MikeCrapo @cvpayne

Empathy, Understanding, Action

✅ 65,000 Americans, including thousands of veterans have suffered, some have gone bankrupt, committed suicide, & divorced over the last 3 years because of the fiasco known as #MMTLPFiasco (This is a massive issue)

✅ We ask that all of you understand the issue, because as much as we would like to be made whole, what FINRA and the SEC did to us CANNOT continue to happen, in our financial markets.

✅ We have screamed, cried, and died since the permanent unannounced U3 halt of MMTLP by FINRA. So, together, all 65,000 of us want ACTION. Our house (our accounts) were broken into, and our property was taken.

What would you do, if your property was taken?

💡Call the police? (there is no police) FINRA and the SEC are SRO's, they police themselves and they are protected by hundreds of lawyers.

💡Call the SEC or FINRA? (they are supposed to keep the markets fair and protect retail traders-but they didn't - they created this problem)

We need ACTION.

This is a BIPARTISAN issue. Everybody got hurt. @GOP @HouseDemocrats

Over 1,000 days have passed, we all plead for action and help. We love this country and would like to know that when things go badly wrong that the most powerful people in the world are available to belp. #AmericaFirst

Thank You!

[Rare DD @RareDealsHere]

There's an amazing $MMTLP video 🎥 by @annvandersteel in the quote post below!

This video 🎥 provides a narrow focus on the recently released FOIA, and how it appears to implicate the SEC and the FIF.

This is instructional counterfeiting! @FBI @DOJCrimDiv

[Wayne Key @DrWayneKey]

To fix the #mmtlp fiasco....means the exposure of bad actors.

Take 2008, for example, "THE PEOPLE" did nothing wrong, yet they lost their homes.

"THE BANKS" created the problem, YET...they got bailed out.

Only people like @cvpayne @SECPaulSAtkins @realDonaldTrump can help.

@cvpayne knows exactly what happened to us...BUT unless he can reach and convince the @SEC or @POTUS we will likely continue to be overlooked.

It is Thanksgiving...

[Wayne Key @DrWayneKey]

@stephmase22 The gatekeepers are the hedge funds. The whole system is the fox watching the henhouse.