Who is Howard Galt?

@Cryptoboyy_Aji Gotta take into account taxes on interest income - conservatively we’ll say 30% with state tax - so the return is effectively 3.15% - even lower if you’re in a higher income tax bracket

CALLER: i opened a High Yield Savings Account. my $20,000 emergency fund earns 4.5% interest. that’s $900 a year doing nothing. DAVE RAMSEY: get rid of it. put that $20,000 toward your mortgage! CALLER: but i’m earning $900 a year for free. DAVE RAMSEY: debt is the enemy! pay off the house! CALLER: my mortgage rate is 3%. i’m earning 4.5%. DAVE RAMSEY: that’s not how you get rich! in reality, if your savings rate beats your debt rate, keep the cash. that’s called arbitrage. every dollar matters.

@greendragonhq @johndeperno I think all of it was Albany bail out and deferring expenses and very optimistic tax revenue projections, no?

@johndeperno Why do we have to continue funding poorly ran red counties? Why don’t you guys pull yourselves up by the bootstraps?

You may not like it, but this is the best politician in the world right now. Within 6 months of being sworn in he has: • Balanced a massive budget deficit. • Produced the lowest murder rate in NYC history. • Introduced a pilot program for free childcare. • Has collected $100 million in fines from landlords for abhorrent living conditions. - Lost ZERO billionaires!

Spiking fuel prices from Trump’s war was the nail in the coffin for twice-bankrupted Spirit airline. FWIW, JetBlue merger failed because a judge, appointed by Ronald Reagan, said the deal was illegal. Republicans are desperate to shift blame from higher costs hitting families.

🇮🇹 Giorgia Meloni put an end to Trump's swagger. 🇺🇸 Trump — "We want to maintain good relations with Italy therefore, Italy could be invited to the 2026 FIFA World Cup in place of Iran 🇮🇹 Meloni — "No, thank you. We are four-time World Cup champions. For us, the rules matter not participation trophies." Trump might have thought he could win Meloni's support by buttering her up, but Meloni showed Trump exactly where he stands.

@charleswg @INArteCarloDoss @MariaBartiromo Except it did

@NoLimit686 @INArteCarloDoss @MariaBartiromo Except it never happens

Everyone pls pray for our pilot. He must be found 🙏

@AndreasSteno Not good for the US - US has basically been able to control Europeans since WWII since they were dependent on US security which gave them ultimate power - it’s like when people become dependent on their government for entitlement programs

We are watching the complete meltdown of the EU / US relationship in real time currently

@INArteCarloDoss @MariaBartiromo Did you pray for the 35k Iranian protesters killed in 2 days in January?

@MariaBartiromo did you pray for the 170 little innocent school girls your military assassinated cold blooded? Did you?

@UConnWBB @ATT So Strong faked the uniform rip - told Geno SC ripped the jersey - that set Geno off and made an ass out of himself in front of the entire country - Now Geno’s mad at Strong 😬

Final from Phoenix @ATT

@StanfordSteve82 Called the TX UCLA under!! Geno embarrassed himself though

Phoenix about to pop!

@GeorgeKamel @DJSteveStowe

@DJSteveStowe Wasn’t velvet. Just a maroon tux. It was cheap from ASOS I think.

Hey @GeorgeKamel we gotta talk about this red velvet suit you wore in the wedding pic in your episode today. Is that real? Velvet? I need some clarification.

@JustinTrudeau Took game - check

You can’t take our country — and you can’t take our game.

@Sjmcg_28 If it was an accident, why didn’t you go up and apologize immediately? - he was 5 feet away from you when you hit him with the football? Answer: You until UK told you to apologize bc of the PR nightmare they were dealing with - and they were threatening of pulling your NIL

If anyone can get me in contact with the fan or his family I would like to formally apologize to them and make it up any way possible. Also I would like to apologize to the entire fans of South Carolina Football and their program.

Today during our game vs South Carolina, I threw a ball after a touchdown meaning to throw it at the barrier in front of the stands and during a high energy moment the ball struck a fan. What I did was absolutely unacceptable and not at all reflective of myself nor this program.

@UKFootball @Sjmcg_28 Drilling a wheelchair bound SC fan with a football as part of Kentucky’s celebration? Never seen a more classless act… he’s lucky the dude didn’t press charges because technically thats assault on3.com/news/medical-t…

.@Sjmcg_28 taking off for twenty yards into the endzone for the TD. 📺 - ESPNNEWS

@Sjmcg_28 So you’re not an asshole… your just a bad athlete and can’t throw a ball

@GeorgeKamel I often hear on the show that the benefit of having mortgage interest is like trading $1s $.25s. The benefit is actually less than this when you consider the incremental benefit over the standard deduction. Turns out to be closer to trading dollars for dimes (including SALT)

Paying off your mortgage early can save you tens of thousands in interest over time. But it’s not just about the money—it’s about the freedom to put your income toward what actually matters to you, whether that’s giving, investing, or just having breathing room in your budget. *Check with your mortgage company first. Some companies only accept extra payments at specific times or may charge prepayment penalties.

@Hedgeye The seller “pays”. But this is factored into the price where the buyer in effect always “pays” - the total price should come down and opens the door for buyers agents to be paid a time and materials fee as opposed to one based on the price of the house - less conflict of interest

Landmark Settlement Reshapes Housing Market🚨 "Sellers are unlikely to pay brokers buying commission anymore. So when you sell a house, you’re paying 2%-2.5% vs the previous 5%-6%." Stock prices of $RMAX $HOUS & $RDFN plunged on the news. Full clip: app.hedgeye.com/insights/14788…

@NateSilver538 Looks like sporting news posted it for free - tables aren’t as concise but similar output sportingnews.com/us/ncaa-basket…

All right, looks like I'm gonna be able to get NCAA tournament projections up tonight or worst case tomorrow AM. None of the fancy graphics from the 538 days. But the same underlying model.

@unusual_whales If you cant afford a 🏠 you’re not going to have a family - avg income to avg home 🏠 price ratio is almost 3x what it was in the 80s The FED not letting markets self regulate and stepping in at every correction has allowed boomer wealth to 🚀 at the cost of younger generations

The impact of millennials having fewer kids will likely be worse than the impact of aging boomers — and the most dire consequences could come 10-15 years from now, per James Pomeroy, HSBC's global economist.

@GuyDealership @MazdaUSA @RedCross This post drew my attention to the offer - now my wife is zoom zooming and loves it - Thanks CDG!!

Alright, I’m super excited about this… Calling all Mazda owners! Just talked with @MazdaUSA & to show their gratitude for helping steer new owners in their direction, Mazda will donate $100 per reply (up to $10,000!) to the American @RedCross. Reply to this post with a photo of your Mazda. #MazdaPartner (I’m not getting paid from this or personally benefitting, just a fun gesture for charity!) Lets gooooo

@realjoshdreams @MikeLester @TJMoe28 UGA played their 2nd and 3rd string most of the game tho - shouldn’t FSU have been able to put up points or at least stop guys who were getting their first significant playing time of the season/their career?

@MikeLester @TJMoe28 Transfer portal

FSU had two options: Play hard, beat Georgia, go undefeated and prove the CFP committee and everyone else wrong. Or Quit and get embarrassed so that there isn’t an ounce of sympathy for them from anyone. They chose the latter. Performance is shameful.