Movebeachside

Barrier island real estate broker. I model what Florida policy means for beachside property owners. Surfer. Indian Harbour Beach local.

[Movebeachside @movebeachside]

https://t.co/ci7rJHlC7M

[Movebeachside @movebeachside]

@AlpacaAurelius ugh.

[Movebeachside @movebeachside]

@pulte Credit scores aren’t the problem. FNMA/FMCC are getting crushed, still in conservatorship after the exit talk, and mortgage rates~7.5%. Buyers don’t care which score model you use if they can’t afford the payment.

[Movebeachside @movebeachside]

@pulte Are you serious? I think $fnma $fmcc stock price are saying something else.

[Mario Nawfal @MarioNawfal]

This. Is. Awesome.

Writer: Ian

[Cassandra Unchained @michaeljburry]

“One of the reasons why I am in favor of less government is because when you have more government, industrialists take it over, and the two together form a coalition against the ordinary worker and the ordinary consumer.”

— Milton Friedman

[David Hendrickson @TeksEdge]

Damn, it feels like my Strix Halo got a hardware upgrade.

Qwen3.8-Flash-Next got way faster with this inferencer.

A dedicated Strix Halo inference engine called Halogen is now reporting:

⚡ 1,424 tps prefill @ 32K context
🚀 41.7 tps speculative decode 👀

…on Qwen3.8-Flash-Next.

And Halogen claims roughly a 4× end-to-end advantage over several previously published implementations in its 32K + 256-token comparison.

Check this out

Halogen can now open compatible llama.cpp GGUFs directly, and the open-source community is already catching up.

One developer working on an open llama.cpp-derived Strix Halo stack says they reproduced roughly:

🔥 1,200 tps prefill

... and Qwen3.8-Flash-Next on Strix Halo is now entering a VERY different performance class.

Halogen also supports:

👁️ Vision
🤖 OpenAI-compatible API
🧰 Tool calling
🧠 Configurable reasoning
⚡ MTP / speculative decoding
💻 Responses API / Codex support

This is why I keep saying Local AI hardware gets better with open-source community tweaks.

A 128GB Strix Halo machine can become a dramatically better AI box months later because the software stack finally learns how to use the silicon. 👀

🔗 GH: /peonist-ai/halogen-flash-server
🔗 Reddit: /r/LocalLLaMA/comments/1weobt6/

[Lance Lambert @NewsLambert]

Another 52-week high today

The average 30-year fixed mortgage rate today: 7.17%

Same day last year: 6.29%

------------------
10-year Treasury yield today: 4.96%
Spread today: 221 bps

[Lance Lambert @NewsLambert]

Back to a 7-handle

The average 30-year fixed mortgage rate today: 7.07%

Same day last year: 6.29%

---------------
10-year Treasury yield today: 4.92%
Spread today: 215 bps

[The Kobeissi Letter @KobeissiLetter]

BREAKING: The US 10Y Note Yield officially rises above 4.90% for the first time since November 2023, now up +95 basis points since the Iran War began.

This puts the 10Y Note Yield up another +10 basis points since the US Treasury said it was TRIPLING long-term buybacks to $6 billion.

As we wrote in our below post yesterday, we are on track to see 5.00%+ by next week.

As a result, borrowing costs skyrocketing for both the US government and US consumers.

Now, the housing market is effectively frozen and US homebuyers are walking away from deals at the highest rate since 2023.

The bond market is quite literally fighting the US Treasury.

Prepare for a highly eventful Q4.

[Lance Lambert @NewsLambert]

Another 52-week high

The average 30-year fixed mortgage rate today: 6.97%

Same day last year: 6.29%

-------------------
10-year Treasury yield today: 4.84%
Spread today: 213 bps

[Barchart @Barchart]

U.S. 10-Year Treasury Yield hits highest level since 2023 🚨 🚨

[Movebeachside @movebeachside]

@AlpacaAurelius Same here.

[Movebeachside @movebeachside]

Yikes.

[The Kobeissi Letter @KobeissiLetter]

2 hours later and another 19-month high for the 10Y Note Yield.

The 10Y Note Yield is officially back above 4.80% for the first time since January 14th, 2025.

Mortgage rates will soon be above 7%.

What stops this train?

[Movebeachside @movebeachside]

@Polymarket False. They moved most hosts from ~3% host + ~14–16% guest fee to a single 15.5% fee charged to the host. Guests see one price. Hosts who don’t raise rates take a smaller payout. That’s why listed prices go up.

[Wall Street Mav @WallStreetMav]

Home insurance prices are insane in Florida.

At the same time, most people don’t want to give up their below 4% mortgages.

Everything seems frozen in the Florida real estate market.

[Movebeachside @movebeachside]

You've heard Florida is eliminating property taxes.

Nobody's bill reaches zero.

The November measure leaves school taxes untouched — 6.31 mills, the largest line on most beachside bills.

We modeled all six barrier island cities parcel by parcel.
https://t.co/56ZnCMnNu4

[Movebeachside @movebeachside]

@GovRonDeSantis Anglers guide to the Atlantic Red Snapper season! https://t.co/z7sw7MB8xd

[Movebeachside @movebeachside]

https://t.co/osR7XpjJt7

[The Wall Street Journal @WSJ]

Foreclosure filings jump to six-year high as rising property taxes, insurance costs and debt strain U.S. homeowners https://t.co/Qs9ha4Iotb