You asked for it. Here it is. My list of Lake markets which I think will see the highest foreclosure rates over the next 2-3 years:
1) Deep Creek Lake, MD
2) Lake of the Ozarks, MO
3) Lake Travis, TX
4) Big Bear Lake, CA
5) Lake Lanier, GA
6) Lake Anna, VA
7) Smith Mountain Lake, VA
8) Lake Havasu, AZ
9) Lake Chelan, WA
10) Lake Murray, SC
11) Lake Gaston, NC/VA
12) Table Lake Rock, MO
13) Lake Keowee, SC
14) Flathead Lake, MT
15) Lake Cumberland, KY
As I dove into every lake market you can imagine, the above had a noticeable spike in properties being bought and turned into Airbnb's. Those who bought pre-2020 or those who bought post 2020 but managed to catch a low FIXED interest rate on their debt "should" be fine in the above markets, as long as they didn't lever up and go crazy. But, those who got a dose of FOMO and purchased from late 2021 to 2025 and thought they'd ride that AirBnb train into financial freedom are about to feel some pain.
This write up will be at
https://t.co/6DUVOgRMWJ and will be free for all to read as I think this foreclosure topic in certain markets is an important one. There was a little delay in publishing it, but I wanted to make sure I had a lot of data to support my thesis.
I've assigned a risk score to each location with this write up so you can see just how strong the data is which supports a potentially big hit to the particular housing around these lakes, mainly from Airbnb speculators not being able to make their monthly mortgage payments. If the STR owners start to bail, that will more than likely cascade to other properties and could pull down prices quite a bit.
Still adding a few more details to the newsletter and tweaking my risk scores a little, but the full write up for this should be dropped tonight or early tomorrow. Keep an eye on your inboxes, this one will hit shortly.
🚨 IT'S OFFICIAL: By the stroke of pen and flanked by RFK Jr., President Trump establishes a new US vaccine schedule that decreases the number of jabs from 72 to 11 — and spreads them out over multiple visits, rather than pumping the child all at once
"That's a big one in my book!"
MAHA is alive and well! 🇺🇸
My favorite thing about liberal women is the selective application of their logic.
The vast majority of rapes are committed by men, therefore all men are not to be trusted. Displayed widely by the “man or bear” question.
However, though the vast majority of terrorism is committed by Muslims, Muslims should be welcomed into our communities because “not all are bad”.
Selective application. Suicidal empathy.
🚨 AWESOME! Argentina President Javier Milei is being praised worldwide for filing a law to BLOCK politicians from getting paid if they allow the country's budget to fall into a deficit
"For the first time in our history, if politicians don't do their homework, they won't get paid. It's not the people who'll go unpaid — it's the politicians."
🔥🔥🔥
DO IT IN THE USA!
This is BASED, @JMilei! 🇺🇸🇦🇷
My family and I escaped execution in Lebanon because Islam wanted to kill us. My parents were kidnapped by Fatah and were severely mistreated. Our home in Beirut was stolen by Palestinian Muslims. My wife's family escaped Lebanon because Islam wanted to kill them. Her ancestors escaped the Armenian genocide because Islam wanted to kill them. My grandparents escaped Syria because Islam wanted to kill them. My brother-in-law's family escaped Alexandria (Egypt) because Islam wanted to kill them. My family and I are leaving Montreal because Islam wants to kill us (the number of threats that I've received forced me to take a two-year leave from my home university). I'm moving to @olemiss /@umdeclaration to defend American liberties and freedoms from ideological threats. @LibyaLiberty, a vile Islamist who despises Jews, is now "reporting" me to my new institution because I dare criticize Islam. Imagine the chutzpah. I will NEVER stop defending the West from the dangers that it faces. Long live the United States.
We CA citizens sure would like you to get back that ~$30B you threw out the window to fraudsters during the shutdown. And the ~$24B in state homeless "solution" spend that resulted in nothing. And the ~$15B to build a high-speed train track that gave us no track at all.
You are financially irresponsible and if I were your parent, I would not allow you to have one more cent until you cleaned up your own budget and demonstrated you were someone worthy of handling money.
My fellow citizens of the free world,
I stand before you not as a politician seeking power, but as a human being who still believes in something simple and sacred:
That every nation has the right — and the duty — to protect its own people first.
If I were British, I would vote Restore.
If I were German, I would vote AfD.
If I were Italian, I would follow Giorgia Meloni without hesitation.
And if I were American, I would vote Republican. Every single time.
Not out of hatred.
Not out of fear.
But out of love.
Love for the country that raised me.
Love for the culture that shaped me.
Love for the children who will inherit whatever we leave behind.
There is a force in this world — quiet, patient, and immensely powerful — that has decided our nations must be broken.
It does not come with tanks.
It comes with open borders, with endless guilt, and with the soft language of “human rights” and “equality.”
It uses people from distant lands as instruments.
It tells us that to resist is to be cruel.
It tells us that to prefer our own people is to be evil.
And so the left sings its beautiful songs of compassion…
while our cities change beyond recognition,
while our women walk in fear,
while our children are taught to be ashamed of their own history,
and while the very idea of a people, a homeland, a shared destiny is slowly erased.
They promise utopia.
What they deliver is something much darker.
A future where free nations collapse into managed chaos…
and where the only ones left standing are the strongmen who never believed in our soft illusions —
the Putins, the Xis, the Kims, and the African dictators who laugh at our self-destruction.
Is that the future you want?
To become the servants of those who never pretended to care about “diversity”?
I am not against the world living in peace.
I am not against friendship between nations.
I am not against human kindness.
I am against the deliberate destruction of the only homes we have.
A rational human being understands a simple truth:
First, a people must be secure in their own land.
First, a nation must protect its own children.
Only then can it offer genuine friendship to others.
You cannot share what you no longer possess.
You cannot welcome the world when your own house is on fire.
So I say this with all the force of my heart:
Defend your people.
Defend your culture.
Defend your future.
Not because you hate others —
but because you still love yourselves enough to survive.
That is not extremism.
That is not hatred.
That is the most basic, most human form of love there is.
And if we lose the courage to say it…
then we will lose everything else as well.
Get ready for the nuclear fallout. Summer revenue is over & desperation is setting in. Not for the nation…but for certain pockets of vacation markets. People will be trying everything they can to get out of some of these Airbnb’s they bought in ‘22-‘24. No rental income, massive DSCR loans, cost segs coming home to roost in form of depreciation recapture when sold. Every single thing some of the STR grifters pushed 3-4 yrs ago is about to bite back.
I decided to check on Broken Bow, the top of my list for ground zero. I literally just put my finger on some random red dot. You’re going to see 2008 style bombs dropping in some of these markets that I mention in my below post. Doing a write up this week on Lake House markets that I’m seeing some serious pain.
People keep crying “trans are only 0.01% of the population, why are you attacking them?”
Because you shoved that 0.01% down our fucking throats for four solid years. Every commercial. Every classroom. Every HR training. Every institution. Celebrate it or be called a bigot.
We’re done.
We’re done playing along while you try to normalize a mental illness. And we’re done watching activists groom and sterilize kids under the banner of “inclusion.”
Fuck that. Not sorry.
I’m potentially selling a 100 acre parcel of my mountain land in E TN. These are the views. Has a gravel road, electricity at bottom entrance, insane views, blah blah blah. I just have so much land and want to trim a little to put the proceeds towards my retreat center. Also, a development has started at bottom of this parcel by someone else with $800K- $1.5 million dollar homes. I’ll be asking around $850-$900K (haven’t decided yet) for this parcel. I’m possibly open to splitting it up if anyone prefers a 25 to 50 acre piece instead.
Anyone have any interest in a semi large tract in East TN, right off of I-40? The land also butts up against my other 600 acres so…you’d be my neighbor. Not sure if that’s a good thing or a bad thing…for you 😜.
Querying, small press, and full self publishing solve different problems for different books. Research all three before committing to one, because the right path depends entirely on the story, not on which option sounds more legitimate. #IndieAuthor#SelfPublishing
RFK Jr. wants to prove healthy eating doesn't have to be expensive — and he's launching a new cooking show to make his case.
The HHS secretary's new government-backed series, "The Real Food Show," is looking to help families make healthy meals for under $5 per serving with simple, budget-friendly recipes as part of President Trump's Make America Healthy Again agenda.
In an interview ahead of the show's launch, Kennedy said many Americans wrongly believe healthy food costs more than fast food.
"Fast food is not less expensive. That meal costs $12 to $14. People can eat a lot cheaper at home and a lot better food. But many Americans have forgotten how to cook. It's becoming a lost art."
I woke up and as I had my morning coffee, I realized that everything is about to change. No matter how I vote, no matter what I say, something evil has invaded our nation, and our lives are never going to be the same.
I have been confused by the hostility of family and friends. I look at people I have known all my life--so hate-filled that they agree with opinions they would never express as their own. I think that I may well have entered the Twilight Zone.
You can't justify this insanity. We have become a nation that has lost its collective mind!
• If a man pretends to be a woman, you are required to pretend with him.
• Somehow it’s un-American for the census to count how many Americans are in America.
• Russians influencing our elections are bad, but illegals voting in our elections are good.
• It was cool for Joe Biden to "blackmail" the President of Ukraine, but it’s an impeachable offense if Donald Trump inquires about it.
• People who have never owned slaves should pay slavery reparations to people who have never been slaves.
• People who have never been to college should pay the debts of college students who took out huge loans for their degrees.
• Immigrants with tuberculosis and polio are welcome, but you’d better be able to prove your dog is vaccinated.
• Irish doctors and German engineers who want to immigrate to the US must go through a rigorous vetting process, but any illiterate gang-bangers who jump the southern fence are welcome.
• $5 billion for border security is too expensive, but $1.5 trillion for “free” health care is not.
• If you cheat to get into college you go to prison, but if you cheat to get into the country you go to college for free.
• People who say there is no such thing as gender are demanding a female President.
• We see other countries going Socialist and collapsing, but it seems like a great plan to us.
• Some people are held responsible for things that happened before they were born, and other people are not held responsible for what they are doing right now.
• Criminals are caught-and-released to hurt more people, but stopping them is bad because it's a violation of THEIR rights.
• And pointing out all this hypocrisy somehow makes us "racists"?!
Nothing makes sense anymore, no values, no morals, no civility and people are dying of a Chinese virus, but it racist to refer to it as Chinese even though it began in China.
We are clearly living in an upside down world where right is wrong and wrong is right, where moral is immoral and immoral is moral, where good is evil and evil is good, where killing murderers is wrong, but killing innocent babies is right.
Wake up America, the great unsinkable ship Titanic America has hit an iceberg, is taking on water, and is sinking fast. The choice is yours to make. What will it be? Time is short, make your choice wisely!
Feel free to copy and paste. I did.
Time for our government to wake up you either work with and for America or get the hell out .. we're tired of paying taxes and you incredibly selfish people don't give a damn for the people you work for... you should all be ashamed of yourself !!!!
After seeing a post on it yesterday, I’ve looked more deeply into Anthropic’s purchasing and destruction of millions of used books.
They spent tens of millions of dollars acquiring and destroying books to train their AI model, Claude.
They knew, from the beginning that it would be unpopular. They knew what they were doing, was wrong.
An internal memo from 2024 stated:
“Project Panama is our effort to destructively scan all the books in the world.”
“We don’t want it to be known that we are working on this.”
Why used books?
Companies like Anthropic and Meta found it impractical to gain permission from authors and publishers to use their work.
So instead, they stole their work to train their product through mass purchases of used books and through pirating them from the internet.
The authors of these works, didn’t receive a dime for their efforts. These companies stole the hard won literary talent of others to train machines to replace the victims of their theft.
Anthropic cofounder Ben Mann personally downloaded countless books for this purpose from LibGen, a book pirating website.
When a new book piracy website debuted in 2022, Mann sent an email sharing the link with his employees stating: “just in time!!!”
Meta employees were wary about the piracy of books, with one engineer writing, “Torrenting from a corporate laptop doesn’t feel right.”
Anthropic purchased millions of books, in batches of tens of thousands from Better World Books and U.K.-based World of Books.
They then used a “hydraulic powered cutting machine” to slice off the spines of these books before scanning them. Finally, the remains of these books were picked up for recycling.
Feel free to use AI, it’s a free country.
But remember that, if you use Claude, that Anthropic has committed a great wrong, and they knew that they were doing it from the beginning.
Below is an image, from a court case, of a warehouse full of used books, that instead of being held and read by you and your children, have been destroyed forever.
AI is inevitable, but spend your money on the companies who do good, and do not knowingly commit evils.
May the most moral company win.
Bill Gates “saved” Africa… by DESTROYING their food supply 🚨
Forrest Galante: “I’m going to go on a f-ing rant here.
They gave millions of mosquito nets out to all these people to avoid malaria. Guess what the people who are starving to death did with their mosquito nets. They fished with them.
Mosquito net has a hole that is so small that a mosquito can’t get through. So guess what? These mosquito nets now indiscriminately catch tiny baby fish in areas like Cahora Bassa where the fish go to breed and reproduce and populate. So now all of a sudden you have thousands and thousands of people that have been handed nets that have been living one way for hundreds of thousands of years. They don’t give a shit about malaria.
Bill and Melinda Gates Foundation come in, hand out millions of mosquito nets, absolutely collapse the entire population of fish that feed millions of people because these people just take the nets and fish all the baby fish out so that those fish don’t grow up to make substantial protein sources. So now these wonderful philanthropists that have given out millions of nets have destroyed an ecosystem, crashed a fish population, and created widespread hunger for people that otherwise had plenty of resources. All because they were trying to help with their mosquito nets.
They’ve taken such a rich and important part of Africa, one of the most abundant freshwater fisheries in the world, and destroyed it because they’re ‘helping’ by handing out mosquito nets.
And they’re still giving out mosquito nets, by the way. And you literally watch these guys line up, take a mosquito net, and it never goes in their house. It goes straight to catching fish for them to eat.”