Scott Voigt

1 more year of eligibility, 5 ⭐️ Walk-on TE

[Small Cap Snipa @SmallCapSnipa]

Jeff Bezos wants AI to approve Miami building permits in 10 seconds:

“Miami should have an AI application that reads your building permit and it should give you a yes or a no in 10 seconds. Why does it take months and months and months to get a building permit? It doesn’t make any sense.”

[David Sacks @DavidSacks]

@PalmerLuckey Agreed 🤝

[Trix Investments @TrixInvestments]

Just a reminder of what happened the last time $HIMS had a Super Bowl ad.

The Super Bowl was the 9th, the stock had one of the fastest runs-ups directly after the ad.

[Boring_Business @BoringBiz_]

Financial analysts watching this and realizing that knowing excel shortcuts is about to become an absolutely useless skillset

[Elon Musk @elonmusk]

For quality of life, it is better to err on the side of being an optimist and wrong, rather than a pessimist and right

[Bill Ackman @BillAckman]

President @realDonaldTrump and @SecScottBessent, and @pulte, I have a simple idea on how to lower mortgage rates and spreads:

One of the unique features of U.S. conventional mortgages is that they are prepayable at any time without a penalty.

While this feature is attractive for homeowners, it comes at a significant cost as buyers of mortgage backed securities (‘MBS’) require a significant increase in spread to compensate them for giving the borrower the option to prepay at anytime.

Why don’t Fannie and Freddie also offer non-prepayable mortgages where if the borrower wishes to prepay the loan, he would have to pay a prepayment penalty?

I asked one of my friends who is an expert and large investor in MBS what the estimated savings today would be on a 30-year Fannie/Freddie mortgage if the borrower would be locked out from prepayment other than by paying a penalty?

He estimated that the savings would be about 65 basis points.

So a borrower could have a choice:

Obtain a 30-year prepayable mortgage at today’s ~6% rate,

or at a 5.35% rate, but with the obligation to pay a prepayment penalty if he/she refinanced in the future.

The loan could also be made to be portable so that if the home is sold, the new borrower could assume the loan and no prepayment penalty would be owed on a sale.

While the ability to prepay is a valuable option, locking in the 65 bps savings upfront over the life of the mortgage may be the difference between the borrower being able to afford the home and not being able to.

You could imagine that there could be different versions of this product where the lock out would be for 5 years, 10 years etc. (with different levels of savings for each, the longer the lockout, the greater the savings) and the borrower could custom design the mortgage and its prepayability to meet their life plan.

As you know, commercial mortgages work this way.

Why couldn’t the same approach be used for home loans?

[David Sacks @DavidSacks]

Why the Somali daycare fraud is a big deal. From a young father who works on @theallinpod. He’s right. DEPORT

[Mr PitBull Stories @MrPitbull07]

When a woman is pregnant, something incredible happens... some of her baby’s cells actually move into her bloodstream and remain in her body for many years. Scientists have found that these tiny cells don’t just stay there, they can even help heal the mother if she is injured, sometimes repairing her heart or other organs.

They travel into her brain and body, becoming a part of her long after the child is born. This may explain why mothers feel such a deep, unbreakable bond with their children... It’s not only emotional, it’s physical too.

A mother truly carries her child forever, not only in her heart but in her very body, bound into who she is for the rest of her life.

[Jameis Winston @Jaboowins]

“The horse is prepared for battle, but victory comes from the Lord.” - Proverbs 21:31

[Nancy Pelosi Stock Tracker ♟ @pelositracker]

Well this is getting weird ✍️

A 5th politician has now bought the bio-tech company IDEXX Labs this year alone

Rep. Byron Donalds (R) just disclosed buying $30K of $IDXX

Earlier this year the "National Biotech Initiative Act" was introduced to "boost biotech funding research for products across the country"

However the act still hasn't moved since being introduced

The stock was included in the Notable Politician portfolio on Autopilot, but we'll be watching more closely from now on

[Donald Trump Jr. @DonaldJTrumpJr]

Sending this to the top. Let’s go.

[Mario Nawfal @MarioNawfal]

🇬🇧 COLDPLAY’S SINGER: LOVE TO CHARLIE KIRK'S FAMILY

Chris Martin:

"Let's raise our hands like this and send love.

Any way you want to send it in the world.

And there are so many places that might need it today.

You can send it to the families of people who have been going through terrible stuff.

You can send it to Charlie Kirk's family.

You can send it to peaceful people at the Middle East."

Source: @Inevitablewest

[Ivanka Trump @IvankaTrump]

Rest in Peace, Charlie

[JD Vance @JDVance]

Eternal rest grant unto him, O Lord.

[End Wokeness @EndWokeness]

Pray for Charlie Kirk and his family

[Dave Portnoy @stoolpresidente]

Absolutely disgusting and disturbing video from Charlie Kirk shooting today. Hoping for the best for him and his family. Anybody who is happy about this is a disgusting human.

[Brenden Clinton @MrGo30]

Film Session w/ Coach 30 - #BoiseState vs. #USF

[Scott Voigt @Scottyv33]

@lordmikebohn I’m so fired up to see this!