April 18, 2026

Finance & Banking

Good Credit Will Raise the Cost of Your Mortgage

MORTGAGES TO COST PEOPLE WITH HIGH CREDIT MORE – New Federal mortgage fee plans will now penalize homeowners with high credit while those with lower credit scores will see fee reductions. A former federal housing commissioner and former CEO of the Mortgage Bankers association, David Stevens, told the NY Post, “It’s unprecedented. My email is full from mortgage companies and CEOs [telling] me how unbelievably shocked they are by this move.”

He continued, “This was a blatant and significant cut of fees for their highest-risk borrowers and a clear increase in much better credit quality buyers – which just clarified to the world that this move was a pretty significant cross-subsidy pricing change.”

China Tells American Traitors that Sedition Will Pay Off

CHINA PROMISES RETURN OF GOLDEN CARROT – The CCP’s recent moves to strangle its semblance of a free market has been met with Western companies retreating from the regime.  In response, the CCP is promising western billionaires a return to the promised golden carrot that is China’s massive emerging consumer market.  Billionaires in western countries, especially America, have already shown their weakness for Chinese gold, trading American security, wellbeing, and freedom for access to the billion-plus strong market.

Xi Jinping mouthpiece Li Qiang is promising western seditionists a payoff for betraying American and western values and affirming the CCP’s desire to debilitate the West and condition it to accept “Socialism with Chinese Characteristics.  He told these quislings “China will open its door even wider to the world,” and the golden carrot is back so he wants these traitors to “share ore of the dividends of China’s opening up and development.”

Is the FED Building a CBDC Already?  Is it FedNow?

FED ROLLS OUT INFRASTRUCTURE FOR CBDC- The Federal Reserve announced plans to launch their FedNow program, which promises to allow banking to happen instantaneously. The infrastructure has been built over the past three years.  It is ostensibly being created to combat the threat of CBDs being used by competing monetary systems (like China), but others believe it is the first step towards the creation of a U.S.-government-backed CBDC.

From MENAFN

The launch of the Federal Reserve’s instant digital payment system, FedNow, is setting the stage for a potential shift to Central Bank Digital Currencies (cbdcs ) in the United States.

While FedNow is not a digital currency , it provides the necessary infrastructure for a future transition. This raises concerns about the broader implications of such a shift and its potential impact on society, the economy, and individual privacy.

The Federal Reserve outlines the features the initial launch will include:

Core clearing and settlement capabilities to support a range of transaction types and use cases

Use of the widely accepted ISO® 20022 standard and other industry best practices to support interoperability

Features that will support flexible adoption, including support for the use of service providers and correspondents and an option to enroll as a “receive-only” participant

Value-added features including request-for-payment capability and tools to support participants in their handling of payment inquiries, reconcilements and certain exceptions

Features to enhance experience for financial institutions by broadcasting participant availability to support their transition to 24x7x365 operations, a user interface to support data needs and the ability to have access to balance information on weekends

Features to support payment integrity and data security and tools to help financial institutions combat fraud, such as a transaction value limit and reporting features

A liquidity-management tool that will allow participants and others to transfer funds to each other to support the liquidity needs of instant payments

Others believe the FedNow program is intended to combat the Fintech sector (cryptocurrency) that already offers instant payment transfers.  From Bloomberg:

Our thesis: US banks should be able to stave off some threats from the booming fintech sector under a new Fed real-time payments system set to go live in July, but FedNow, which only handles transfers of up to $500,000, likely won’t have dramatic effects on fintech industry players’ revenue either. Though it will compete with an existing real-time bank network, FedNow does offer banks the potential to diminish fintechs’ allure.

We have little doubt this tool is intended to fend off Fintech competition, create the infrastructure that ultimately supports a CBDC in as non-intrusive a way as possible, and create dependence on a service that will lead otherwise resistant banks to comply or die.

Biden Admin Assaults Crypto Banks in Bid to Secure CBDC for Regime

BANK COLLAPSES ARE SYSTEMATIC ASSAULT ON NON-GOV DIGITAL CURRENCY – The bank collapses of Signature, Silicon Valley, and Silvergate (which started the collapses) appear to be a targeted effort by the rogue Biden administration to intimidate banks to not be crypto-friendly in a bid to lay the groundwork for a U.S. government digital currency that could be used to micromanage the lives of citizens.

Barney Frank who sites on the board of one of those banks, Signature Bank, said of the decision by the Feds to seize a bank that was not insolvent was an attempt to shut down non-gov-crypto-friendly banks and intimidate any banks that might want to step into the vacuum created by eliminating the three biggest banks that serve cryptocurrency customers.

Frank said, in part, “I think part of what happened was that regulators wanted to send a very strong anti-crypto message. We became the poster boy because there was no insolvency based on the fundamentals.”

Frank was responding to accusations the collapses were the fruit of a rollback of Dodd-Frank regulations under President Trump, an accusation he denies, and one that is found to be without merit as the regulations in question had nothing to do with why the banks were seized in the first place.

Biden Doesn’t Want Your Washing Machine to Clean Your Clothes

BIDEN WANTS AMERICANS TO HAVE DIRTY CLOTHES TO “SAVE THE PLANET” – Under the guise of saving the planet from man-made global warming, the Biden Administration’s Energy Department released a proposal in February to create higher “standards” of efficiency for washing machine manufacturers.  The manufacturers say the Biden-dictated changes will render washing machines ineffective, resulting in Americans simply refusing to buy the new Woketarian junk this Kingly decree will create.

Travis Fisher, a fellow for the Heritage Foundation’s Center for Energy, Climate, and the Environment, said of the move, “When you’re squeezing all you can out of the efficiency in terms of electricity use and water … you by definition either make the appliance worse or slower,” said Fisher, who serves as a senior research fellow at the foundation’s Center for Energy, Climate, and Environment. “Why are we so focused on the energy output, as opposed to if it’s helping me wash my clothes? That standard has kind of gone off the rails.”

SBF Empire Crumbles as DOJ Seizes His Holdings

The US Department of Justice has moved to seize $465 million worth of shares in the stock trading app Robin Hood that were owned by the embattled CEO of the now-bankrupt company FTX, Sam Bankman-Fried.  The ultra-progressive billionaire saw his empire collapse when it was revealed his companies were essentially gambling with other peoples’ money without their consent.

SBF lauded the idea of “radical altruism,” feigning piety with the aid of the corporations his Empire helped fund, including the DNC and the corrupt token opposition wing of the GOP.  While corporate media spread fake stories about his piety, claiming he only drives a Toyota Corolla, SBF was purchasing multimillion dollar homes and using millions to pay off potential watchdogs to allow his grift to continue.

He has become the perfect poster boy for wokism, the ideology of fake concern and fake virtue that has created a whole industry of concern-troll grifters like SBF, who preach piety while using fake concern to assassinate their competition.

ESG Compliance to Determine Your Pension and Bonus Payouts

ESG stands for environmental, social, and governance.  On its face, ESG is a new standard of investment return that seeks more than profit, it seeks evidence the company making the profit is doing so in a “responsible” way, one that takes into consideration the environment, social morality and ethics, and just governance, with its clients and with its workers.

There’s a lot of vagueness about the whole thing and that appears to be more of a feature than a bug.  The idea that companies should be moral, ethical, responsible in how they create their product, bring it to market, and serve the customers that purchase its product seems to be a tautology, not a revolutionary thought.

ESG is not happening in a vacuum.  It’s happening in a contextuality of diverse expressions of the notion of the social and governance, never mind the many diverse views regarding the nature of “climate change” and the potential solutions to climate change that might diminish our quality of life.

In America, we have bridging standards that allow diverse moralities and ethics to coexist with one another.  These bridging standards are articulated in our Declaration of Independence and our Constitution’s Bill of Rights, the first 10 amendments of our governing document.

In America, so long as you recognize the inherent right of individuals to be wrong and to express their wrongness you can coexist with wrongness, which is what our American values truly provide for our diverse peoples that call themselves Americans.

ESG is not an American value.  It’s not objectively, scientifically provable, and its assumption of the social are more in keeping with Mao and Stalin, two bloodthirsty murderers that based their morality and ethics on the perverse leftist notion that the human mind does not exist, only the social does.  There is no America in ESG.  As a matter of fact, America is simply a white supremacist thug that needs put down according the values of ESG.

For the current leftist paradigm of “social,” that is a social that celebrates murdering unborn children and refers to men and women as the pejorative “cis-gendered.”  It refers to the 90 plus percent of humans that are heterosexual as being “hetero-normative,” and that’s a criminal offense to ESG.

It is an ideology that believes we can make man in any image we want, and the image they want is one that murders its children and stops having them altogether.  So long as the woke expert few can micromanage all of society, we can make straight people gay and black people that don’t conform can now be called white.

This is hardly a bridging standard that allows for diverse views.  As a matter of fact, it is not one that even allows it, hence its creation in the first place.  ESG is the use by leftist-controlled mutual funds of millions of others’ investment in the stock market to force corporations to become Maoists and Stalinists or else, even if the vast majority of investors in these mutual funds reject them.

It is not value-neutral or objective, it is loaded with leftist presuppositions that make of man a consumer and worshipper of self, and the self is one selfness reflected in a social construct controlled by the very few elites willing to commodify the human spirit and convert it into a materialistic genocidal maniac.  Thus they can claim to be for the individual by claiming there is only one individual, the social that is made in their perverse baby-murdering image.

Now, ESG is invading the pension plans of these same business leaders.  This means that ESG effectively creates a system to coerce the top leaders of our corporations to ape the ungodly standards of leftism (that kills the mind and makes the elite few the priest-kings of the materialist Gnosticism leftism ultimately comes from and can be reduced to).

The continued proliferation of ESG into our investment markets is a sure sign that leftism is anti-American and anti-human and should no longer be tolerated in any free society.  They have gone from merely being wrong to becoming genocidal maniacs, hellbent on expunging the individual human mind from existence entirely, save for the very few most powerful bloodthirsty boundary invaders that can rise to the top of a pyramid built on the murder of the innocents.

It is only a matter of time before American courts will be held to account through the rulings they will render as more and more Americans recognize the Marx-adjacent anti-American ideology this perverse standard attempts, through coercion, to make the new normal, in open defiance, in open opposition to the American republic herself.  It is, in plain terms, pure revolutionary sedition.  So long as ESG is given legal legitimization by our courts, our courts are complicit with the seditionists.

If our nation survives these Hyksos, these pretender Kings, there will surely be a reckoning for every American company that chose to turn on the republic and attempt to bring it down by any means necessary.  Now is the time to ween yourselves off these ESG serving corporations even as we plot to take them back from the anti-Americans, the left, the Democrat Party itself.

Democrats today call anyone who opposes them seditionists, traitors, insurrectionists.  They’re right in doing so, but not for the reason they suppose.  They are right in this sense; the American left controls the American state and has turned it into a perverse soviet where babies are not valued at all, but transgendered poly-sexualists are.

Anyone seeking to see America be America, a Constitutional Republic that OFFICIALLY recognizes the sacredness and sovereignty of individual minds (as opposed to that one perverted social mind the left hopes to make your reality) is being a traitor to the state that is, the Amerikkka of the Democrat Party, which is no America at all.

Like fascists, the DNC seeks to use markets to oppress the people, and ESG is the centerpiece of their seditious hearts.

Economic Parallels Between The Roman Republic And Modern America

The Roman Republic fell when 1/3 of the revenues were being paid into the welfare state. The Roman Republic collapsed from within, not due to external forces. You can only rob Peter to pay Paul for so long without fresh tax-payer revenue coming in to keep the system afloat.

Let’s consider the reality of the United States by looking at the Federal Budget. If Rome fell when 33% of revenues were going into the welfare system, and the whole economy collapsed under that weight, it would be fair to say that America is less than that as we have not collapsed. Look at the numbers, and we will see:

In fiscal year 2020, look at the mandatory programs:

• Social Security: $1.092T
• Medicare: $694B
• Medicaid: $447B
• Other Mandatory Programs: $743B

Official Federal Budget
Official Federal Budget

Those total $2.975 trillion. The receipts category (total revenue) equals $3.706 trillion. That’s 80.3% of all Federal tax revenue that goes out towards entitlements like Medicare, Medicaid, food stamps, WIC, and other programs.

Social Security technically is not an entitlement, as we pay into it our entire life in exchange for a retirement years income stream, but it cannot be taken away easily. Therefore, like all other entitlements, they become sticky.

The Roman Empire collapsed under 33% of revenue going towards entitlement programs. In 2020/21 the United States was at 80.3%. This is unsustainable.

Add to this the net interest on the national debt, which at around 2.0% interest on a 30-year bond is a whopping $376 Billion. At the lowest interest rates in the history of America, the net interest plus entitlement payments equal 90.4% of all US federal tax revenue. The eerie implications of the massive amount of unsustainable debt are devastating in impact on small interest rate moves.

Consider what the Net interest on $27 trillion of federal debt will be when interest rates are the following:

• 4% = $752 billion
• 6% = $1.128 trillion
• 8% = $1.504 trillion

When interest rates reach 3%, then net interest plus entitlements equal 100% of the entire federal tax revenue. Interest rates are cyclical and throughout history move from high to low or low to high around every 28 years. Interest rates in 1983 were 18% of a 30 year bond.

U.S. Interest Rates 171 Years
U.S. Interest Rates 171 Years

The interest rate cycle is at the end of its downward trend and can only go up from here. Sadly, state pension funds are not the only things facing insolvency. So is America. Consider the official Federal Budget that shows the massive number of expenditures as a percentage of revenue that entitlements and mandatory payments occupy.

Unfortunately, America is poised for default or is setting the state for a hyper-inflationary phase in the economy that will erode the wealth, standard-of-living, and livelihood of all Americans.

Mega-Trends For The Next Decade

Mr. Sune Hojgaard Sorensen, a strategic and economic Advisory Board Member of the BFI Capital Group, has identified what he calls three defining mega-trends he believes will feature prominently in the next decade, all of which have been massively accelerated by Covid.

1. DIGITALIZATION AND TECHNOLOGICAL INNOVATION

“According to a study conducted by McKinsey & Co in November of last year, in response to the crisis, companies have accelerated the digitalization of their customer interactions, accomplishing three or four years of progress in just seven months!” Further, Sorensen notes that “Value has moved from the tangible to the intangible, or a combination thereof.”

In 1975, only 17% of assets on the S & P 500 were intangible (patents, brand value, customer data, etc.), while 83% were tangible (buildings, equipment, cash, inventory, etc.). Today, 90% of assets are intangible. Digital finance, tele-health, remote work, online education, virtual entertainment, automation, and robotics will only increase in use.

2. THE RISE OF THE EAST

Consider that over 3.3 billion live in the countries of India, China, Indonesia, Bangladesh, and Japan alone. The world’s largest shipping hubs are now in the East, and Asia’s market share has massively expanded in the past 100 years. Despite the talk of “decoupling” from China, many businesses have shown little interest in doing so.

According to MacroPolo, “Foreign businesses are just one gauge of decoupling, but they are particularly important leading indicators of shifts in supply chain ecosystems. In 2020, the respective portions of US (87%) and European (89%) businesses indicating no intention to leave China are as high or even higher than they’ve been in recent years.”

According to MacroPolo, “Foreign businesses are just one gauge of decoupling, but they are particularly important leading indicators of shifts in supply chain ecosystems. In 2020, the respective portions of US (87%) and European (89%) businesses indicating no intention to leave China are as high or even higher than they’ve been in recent years.”

World's Largest Shipping Hubs Data
World’s Largest Shipping Hubs Data
1. BIG GOVERNMENTS, BIGGER DEBT

Essentially, the US has transitioned from real engineering to financial engineering. Sorenson highlights the Congressional Budget Office projections, which predict that US Debt to GDP will pass the historical high of 106 in 2023, and in 2050 will hit 2.5x what they were at the end of 2020.

But Sorensen believes this could spell opportunity for strategic investors. “Beyond the debasement and the financial repression, big government and even bigger debt will also bring plenty of opportunity to those entrepreneurs and investors who can take a pragmatic approach, see through the smoke and mirrors, and identify the sectors that stand to benefit from all this largesse, deploying their efforts and capital accordingly.

Consider that while millions lost their fortunes in the Great Depression, those who understood the times and were wise enough to get out early (like Joe Kennedy, Sr.) were able to buy stock after the crash for pennies on the dollar, becoming millionaires in the process.

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