A hub for independent voices and hard truths
The most interesting part of the article isn’t the $200 subscription potentially costing OpenAI thousands. It’s that agentic workflows can consume up to 1,000x more tokens than a normal prompt. A $200 ChatGPT subscription could cost OpenAI $14,000 if you …
Bond guys positioning for recession while retail chases the narrative PIMCO admits credit loss cycle already rolling Lower quality borrowers leveraged junk private credit about to explode AI disruption smashing overindebted businesses Markets sitting there complacent like subprime never happened …
Traffic to DuckDuckGo’s no AI search page has tripled following Google’s latest AI search rollout, with PC Gamer reporting weekly gains around 22%–28% and peaks near 30% on mobile People aren’t waiting to evaluate it They’re just switching away from …
Zero day exploit completely wrecks default Windows 11 BitLocker encryption. Attack bypasses TPM protection on locked drives using Windows Recovery Environment. Thieves with physical access now read your data without password or key. Microsoft silent patched related bugs before, researcher …
$UBS predicts private credit default rates to reach up to 15% in bear case (FT)https://t.co/r7MBvNICG5 — Special Situations 🌐 Research Newsletter (Jay) (@SpecialSitsNews) February 25, 2026 UBS warns of 15% default rates in private credit — Wall Street is starting …
🚨 22,000 condos completing in the GTA this year. Up to 35% could default. One buyer just lost $130K when he couldn’t close. Prices down 25% from the peak. Banks won’t fund the gap. Builders can sue. This is how …
US student loan delinquencies are exploding: The number student loan borrowers that are severely delinquent is up to a record 3.62 million. The number of federal loan recipients 271+ days past due is now 8 TIMES higher than the pre-2020 …
“Nearly 12 million federal student loan borrowers are behind on payments, according to new Education Department data. 5.5 million are in default, mostly from before the pandemic. Another 6 million are delinquent, with most over 270 days past due and …
$SPY is in danger of forming a Head & Shoulders… A 675 rejection would form the right shoulder After that, a 654 break would give us maximum downside to 480s😬😬 pic.twitter.com/mrOgdFMA62 — ThiccTeddy (@ThiccTeddy) November 24, 2025 GROK: Based on …
AI, Private Credit: Blue Owl Is the Sum of All Investor Fears [BBG.com] Blue Owl Capital Inc. is caught in a trifecta of market worries about private credit, artificial intelligence and the flightiness of wealthy individuals who’ve been the new …
Fannie Mae is set to drop its 620 credit score minimum this month. On the surface level, this is huge, renters with good payment history, young people with thin files, anyone locked out by arbitrary score floors suddenly has a …
SOFR rate is plunging which means liquidity is flush throughout the system. Ignore all of the other noise around $2000 stimmies and the end of the shutdown. This surge in liquidity alone will push equities and gold higher at least …
via notayesmanseconomics: After looking at China a couple of days ago it is again time to look East to Nihon this time. We can start with the latest economic news. TOKYO — Japan’s economy grew an annualized 1.0% in the …
Marc Faber believes there is a very real possibility that the Trump administration will default on America’s debt obligations, and he thinks you would be insane to not be holding physical gold as the government continues to drive reckless spending …
Cloudflare just flipped the switch on a new model for the internet. Starting July 1, 2025, every new domain using Cloudflare blocks AI crawlers by default. No scraping. No silent indexing. If an AI company wants access, it has to …
Wow. Next step is they default. If they’re at 90 days delinquent the banks aren’t ever seeing a dime from any of them. https://t.co/YyMI0VLckv — QE Infinity (@StealthQE4) June 8, 2025 Serious Credit Card Delinquencies (unpaid balances for at least …
US sovereign CDS prices are soaring, not relenting after jumping during April. While mainstream sources will say that’s this dollar-ditching stuff, neither the track record for CDS nor empirical evidence agrees. Government credit default swap premiums are set by one …
Today, the feds start collecting on 5 million+ defaulted student loan borrowers with collections. We have a 20.5% delinquency rate (90 days+) – highest ever recorded (TransUnion) Tax refunds will be seized through the Treasury Offset Program. Social Security benefits …
This credit default swap is like an insurance against the risk of US Debt default, implying that the market is pricing in higher risk for the US government to default on its debt. h/t kmmeow1
Student loan defaults just skyrocketed to 15.6%, the highest level on record. As a result, the NY Fed is reporting that credit scores of student borrowers are about to plunge. Potentially by as much as 150 points.
by Martin Armstrong You have to wonder why we have the most incompetent people in government, perhaps in history. While there is not a single leader in Europe who I would even want to have a drink with or shake …
Is that the heady scent of hubris, wafting through the winter air of Washington, D.C.? So bold has President Trump been in the first month of his second term that nervous Europeans wonder if the American republic is now unabashedly …
The US government is currently stopping over 1,000,000 defaulted mortgages from going to foreclosure under the FHA mortgage program. The result is another Subprime Housing Bubble, one that could cause huge declines in home prices around the US if it’s …
The US government is currently stopping over 1,000,000 defaulted mortgages from going to foreclosure under the FHA mortgage program. The result is another Subprime Housing Bubble, one that could cause huge declines in home prices around the US if it’s …
Junk-Loan Worry Market Commentary Dec. 26: A reason that the Fed will be cutting key interest rates is that U.S. companies are now defaulting on junk loans at the fastest rate in four years. Specifically, the default rate in the …
Struggling student loan borrowers can see if they qualify for a deferment or forbearance, experts say. If you’re out of work, you can request an unemployment deferment with your servicer. If you’re dealing with another financial challenge, meanwhile, you may …
🚨8 Retail Condo Units in the West Village Face Foreclosure – The units are at 122 Greenwich Avenue in the West Village…beautiful building – The 8 units were purchased in 2018 for $31mm – Purchase was financed with $20mm loan …
If you’re one of the unlucky who gets laid off in this horrible economy, you may want to look into working for a debt collection agency because business is booming for them. According to one of my viewers who works …
With gold and silver rallying while there’s been a selloff in the bond market, today Dr. Jim Willie checks in to share his view on what’s happening. Jim talks about how Japan is selling US treasuries, which has added to …
IMO- Retail sales NUMBERS have held up due to total dollars, but that means buying less physical goods. NOW, cumulative inflation has pushed people into getting even less and adding more on their cards just to survive? — Scott Sheller …