Hayden Kaer

🚨🇺🇸 Rep. Luna just sent a formal letter to Secretary Hegseth requesting a massive list of UAP video files, including footage from military bases, carrier groups, and even fifth-generation aircraft encounters. The UFO disclosure push is no longer whispers in hallways. It's official congressional letterhead addressed to the Pentagon. Source: @ddeanjohnson @realannapaulina

Interest rate cuts aren’t coming. And if I’m right, the biggest hike since 2022 arrives in 2026. All year, people have been fed the same story: “Just wait for the cuts… and everything booms.” I don’t think that’s the regime we’re heading into. Last week, I locked my interest rates for three years at 5%. And I’m telling you that because I’ve been early on this before — I was one of the few calling the 2022 rate hikes about six months before they hit. I’m seeing similar signals again, and I’ve acted. Do with that information as you will. But here’s the education most people miss… My first mainstream media article was essentially: you’ll likely never see low interest rates again in your lifetime. #new_tab" target="_blank" rel="nofollow noopener">couriermail.com.au/business/qld-b… Unless you’re over 75, you’ve never lived through what’s coming. Why? Because most people’s entire financial memory sits inside one giant tailwind: a multi-decade decline in interest rates since the 1980s. Falling rates became “normal.” Cheap money became “normal.” Asset inflation became “normal.” Now — quick context — because my situation is different to most. Most borrowers are 20% deposit and 80% loan. I’m basically the opposite: ~80% equity and ~20% loan, and a large chunk is sitting in an offset account. So here’s the strategy and the logic: I’ve locked certainty at 5% for 3 years, and I’m backing my liquidity and positioning to win from there. Because money in an offset is powerful: it’s effectively earning the mortgage rate risk-free on whatever portion it offsets — while staying liquid. My bet is simple: I lock the rate at 5%, keep my liquidity high, and aim for my accessible capital to outperform that over the next 3 years — without being forced into decisions. This isn’t about fear. It’s about being prepared and understanding the second-order effects: If rates stay higher-for-longer — or go higher — it changes: what goes up what goes down what survives and what gets wiped out And here’s the part people underestimate: for the unprepared, a regime shift like this can erase years — even decades — of hard-earned wealth, the way major crises have done before. Not because people are “stupid”… but because they’re positioned for the last cycle, not the next one. One more thing — and this is a massive tell if you know how to read it: The AU10Y just broke out bullish last week. I’m doing a deep dive tomorrow on why that matters so much, and why it’s one of the most important things to watch when you’re trying to understand where interest rates are heading next. For people with knowledge and education, it can be one of the most lucrative wealth transfers we’ve ever seen. Over the next week, I’m going to teach you what people have previously paid thousands to learn — so you’re on the right side of the cycle as unfortunately it's always the little guy that gets screwed over the most without proper guidance. “In the midst of chaos, there is also opportunity.” — Sun Tzu

🚨 🇬🇧 UK'S STARMER TO DECLARE "GLOBALIZATION IS OVER" IN STUNNING REVERSAL British PM plans to acknowledge Trump's tariff logic despite disagreeing with his methods. A top Downing Street official admitted: "Trump has done something that we don't agree with, but there's a reason why people are behind him on this" Starmer's Monday speech will argue that globalization has failed working people while seeking a "different path" than trade wars. This remarkable shift from Britain's Labour government signals how dramatically Trump has reshaped international economic thinking. Source: The Guardian, @CollinRugg

🇬🇧🇺🇸 UK bans MAGA influencer Valentina Gomez from attending Tommy Robinson’s Unite the Kingdom rally, revoking her travel authorization just days after approving it. Officials say her presence “would not be conducive to the public good.” Welcome to the UK, where free speech goes to die. Source: The Guardian, @TRobinsonNewEra