SmallFire

@Shylimarr @bgarlinghouse I will still take $ 5 - every single current holder will not be underwater anymore.

@Philboyj1 @bgarlinghouse The road map is...... Ripple will get a trillion $$ valuation and XRP the token will still trade under $5

The secret sauce is simple 1/ give Corporates a trusted, regulated entry point embedded in workflows they already use, 2/ remove the friction between managing different accounts (fiat or digital). Both of those are now solved today with Ripple Treasury. Ripple Treasury is on a tear – last year facilitating $13T in payments for customers. This year, with the addition of native digital asset capabilities? LFG!

@business USA and Allies can block any tanker filled with Iranian oil and other goods after it crosses the Strait. Iran might control the Strait, but Iran needs their oil also to be transported and sold to other countries beyond the Strait.

Iraq has told Asian traders and refiners they can load its crude as vessels carrying the country’s oil are now able to transit the Strait of Hormuz thanks to an Iranian exemption, testing buyers’ confidence in the security guarantee bloomberg.com/news/articles/…

@ConvertCat @JoelKatz @Y2SHAF Maybe door dash should say that "if you dont tip, please dont use door dash". And configure their software to reject any order without tips or even a low tip. I wonder why they dont...

@JoelKatz @Y2SHAF I can tell there are a ton of folks on this thread that have NEVER waited tables or been in the service industry. You don't know what you are talking about. Most of you probably never started working at 15 years of age. If you can't afford the tip, don't use the service.

I’m so confused about American tipping culture because why are you tipping $20 on a $22 order 😭

@GIO8DIO @JoelKatz @Y2SHAF 55 years ago, $3 was a generous tip😂😂

@JoelKatz @Y2SHAF I used to serve back in my younger days. I hated when boomers would tell you "I left you a generous tip" and they hit you with the wink, just to find 3 DOLLARS.

@neutrinomoon @nytimes He isn't poor at politics. He has too many assets that other people can target - Tesla, Grok, AI, X, Space X, Boring Company. Imagine if he sold every company and has zero companies, except a nice cash pile - He would be great at politics and anything else he does.

@nytimes SpaceX is a big deal, to say the very least, and Grok will know all Elon wants it to know about SpaceX, so it's hardly a big ask for business partners to invest in Grok. They're doing themselves a favor. Elon's poor at politics, but great at spaceships and AI.

Elon Musk is requiring Wall Street firms working on SpaceX’s IPO to purchase subscriptions to Grok, his A.I. chatbot. nyti.ms/4dtw4Zx

@nytimes Wall Street better not think too long about this. They will soon need to use MegaPacks for their offices and Tesla's for all ground transportation. Wall Street getting a taste of their own medicine.

@Shylimarr @bgarlinghouse How does this benefit XRP - we are clueless here. There are a lot of "theories" on how Ripple Prime or Ripple Payments will eventually help XRP - but those theories are not provided by Ripple - it is You Tubers analysis. Show us the roadmap.

We all have been duped. Ripple was nothing without the XRP community. They sold XRP for hopium and we obliged. XRP is not the center of what Ripple does. That was more bs coming out of BG mouth. Ripple the company and XRP are two different things. Now that Ripple has used the XRP community to boost there agenda which is clearly not the focus on XRP they're distancing themselves from the token. The creation of RLUSD has dismembered any hopes of XRP to be successful as Solana at $100 bare minimum per token. Never get married to a token and diversity. Ripple used you!

@Shylimarr @bgarlinghouse How is XRP on Ripple's balance sheet if they are only "stewards" of XRP? If anything, Ripple should be on XRP's balance sheet/ value. Anything Ripple does should directly benefit or harm XRP

@Shylimarr @bgarlinghouse XRP only gets the negative side of Ripple....Ripple gets sued by SEC, XRP value suffers, but when Ripple wins and has a 50 billion valuation, XRP has zero movement. Either they are connected, or they are not.

@realEstateTrent If the deal was really good, you would have found a way to show proof of funds instead of going back and forth.

Conversation we’ve had multiple times: Seller: Please show me proof of funds. Us: We are a real estate fund, and funds provide sellers with more surety of close than syndications or private capital. We have done 45 deals, many of which are easily searchable online. Here are a few. We buy each deal all-cash, and can close in 45 days. Seller: I need proof of funds. Us: Some of the biggest institutions in the US have sold us deals because we do what we say - here are links to articles. Seller: Proof of funds. Us: Funds don’t hold tens or hundreds of millions in a checking account. They have committed capital from investors, and the money is called per deal.

@Yama1431860 @MasonVersluis It will be used as liquidity, if it's not already pre-allocated. At the size of the market, 100 Billion coins will be too few. Most will be locked away too and not actively used for liquidity purposes.

@MasonVersluis No one is going to be stupid enough to hold XRP for that long. This is way Ripple should either burn the half or give it away to government.

$1T market cap for $XRP = $17 per coin. (If all supply metrics stayed the same as right now)

@BernieSanders Start the system in Vermont. Show the rest of the country how great it works.

Ok, Jamie: Let me clear things up for you. If my 5% wealth tax on billionaires was enacted you’d owe $135 million more in taxes & a family of 4 making $150,000 or less would receive a $12,000 payment. Oh, and you’d still be worth more than $2.5 billion. Seems pretty fair to me.

@vrexec Ownership is only a figment of our imagination. The bank and the government really own the property.

I'm doing some back of the envelope math on buying vs renting. Say you buy a $1M house with 20% down at about 6% mortgage rate and plan to stay there for five years. Your principal paydown in the first five years is about $57,000, but you've paid about $230,000 in interest. You've also paid roughly $100,000 in property taxes, insurance, and maintenance. Say the house appreciated 2.5% every year — so when you sell it's worth about $1.13 million. Your all-in costs to sell are about 7.5% — brokerage commissions, transfer taxes, attorney fees, title insurance, and the inevitable post-inspection negotiation. On a $1.13M sale that's about $85K in fees. So you net about $1.046M. You still owe $743K on the mortgage. You walk away with about $303K in cash — your $200K down payment back, your $57K in principal, and about $46K in net profit from appreciation. Your non-recoverable costs — interest, property tax, insurance, maintenance — were about $330K over five years, or about $5,500/month. That's your effective rent. But you "made" $46K selling, or about $770/month — so your effective rent was about $4,700/month. Not bad, but you tied up $200K for five years to get there. And if appreciation was 1.5% instead of 2.5%, that net gain basically disappears and you're paying $5,400+/month in effective rent. And this assumes there's appreciation at all — and that something doesn't go wrong with your house that needs a major remodel or repair. On a five-year horizon at 6% rates, you need everything to go right on appreciation just to make ownership competitive with renting. The transaction costs eat most of your upside. What am I missing? Anything?

@Rajatsoni India has USD reserves of $ 690 billion. Imagine if they bought 500 bilion worth of bitcoin and used that as their reserve. More and more countries will move to crypto instead of holding USD. 500 billion = 7.4 million BTC @ $ 67,000 - damn....

While you were trying to convince yourself and others that #Bitcoin is a scam Bhutan bought almost $800,000,000 worth Nation states are coming and most people aren't ready

@HeadingTooMars @ScamDetective5 Don't forget Kopi Luwak is literally "shit-coffee" and it sells for upto $ 600 per pound. Google it. Shitcoin is a real compliment...thank you.

@ScamDetective5 XRP is worse than a shitcoin

Just got off the phone with American Express, they said this has nothing to do with XRP and they wouldn’t use XRP because it’s a shitcoin.

@TheXRP_guy I would offer to pay him $ 1000 per 100,000 XRP he owns and create an option to buy all his XRP @ $ 5 per XRP - option expires in 2035.

I spoke to a person yesterday who is heavily invested in XRP. He told me that XRP will not exceed $4 dollars, ever, in his opinion. I told him otherwise but what would you have said?

@SenWarren Do the pilot project in your home state MA and show the rest of the states how great it is. Why should the entire country be a sandbox to your ideas? If not just MA, enact them in all the Democrat states that are willing to participate.

Today, I'm introducing my wealth tax — and more than 50 members of Congress are joining me. It’s time for the government to start working for American families, not just the ultra-rich.

@Xfinancebull UAE and India did an oil deal in XRP in 2024 to test things. UAE and India use XRP not US dollar in historic oil trade share.google/PyKie9WAum6ayD…

Every $XRP holder needs to understand what is happening in the Strait of Hormuz right now. 👇 The oil industry moves $2.5 trillion a year in cross-border payments. And most of it still runs on infrastructure built decades ago. Here is what the current system looks like when geopolitical stress hits: Sanctions shift. Banking corridors freeze. Suppliers wait days for payment. Emergency cargo replacements stall because settlement cannot keep pace with the crisis. Read what $XRP brings to the table: Emergency settlement. Replacement cargoes paid in 3-5 seconds. Fixed FX. No pre-funding required. The payment lands before the situation escalates. Supply chain payments. Every vendor in the chain from terminals to logistics to inspectors paid through fast, compliant rails. No correspondent bank delays. Treasury resilience. Working capital moved between subsidiaries and trading desks in real time through XRP's bridge mechanism. No trapped liquidity. Tokenized collateral. Oil-linked assets tokenized on XRPL with compliance controls baked in. Escrow, allow-listing, freezing. All programmable. Compliant FX. Cross-currency payments through XRPL DEX and Ripple Payments. ISO 20022 native. Built to reduce dependence on centralized systems that become liabilities during conflict. The oil industry needs the fastest, most regulated, institutionally built rails on the planet. XRPL was designed for exactly this. Infrastructure does not wait for permission. It ships. ⚠️ These are use cases XRP's technology is built to solve. Not currently deployed in oil industry payments. This is a thesis, not a confirmation.

@realEstateTrent The world needs to see your success to appreciate your advice/posts. Private jets or other showcases of money has historically proven to drive engagement. There are classy ways to humble brag too😁. In the absence of wealth display, Warren Buffet is just another finance guy.

I don’t know who needs to hear this but here goes: Never. It’s never a good look to post photos of you flying on a private jet. It’s a blind spot, I promise. Stop it. You’re welcome.

@QNT_WHALE @aakashgupta Most major developers tear down all the vegetation and then plant 2 or 3 trees per house - one in backyard and 1 or 2 in front yard. These two or three trees dont cost $ 5000 - including planting - it's max of $ 1000 to $ 1200 - economies of scale built in.

@aakashgupta Trees around a house/next to it is a pain in the ass. 1 cleanup in the fall 2. Storms, always having to worry about it falling down or big branches breaking off. 3. Roots ruin a lot of things concrete, plumbing pipes. Top pic is better

Let me explain exactly why every new subdivision in America looks like the top photo, because the math is wild. A mature tree increases a home's value by 7 to 19 percent. On a $400,000 house, that's $28,000 to $76,000. A single shade tree produces the cooling equivalent of ten room-size air conditioners running 20 hours a day. One tree on the west side of a house cuts energy bills by 12 percent within 15 years. The bottom photo is worth more, costs less to live in, and sells faster. This has been documented by the University of Washington, Clemson, Michigan State, and the USDA. The data is not in dispute. Removing those trees saves the builder roughly $5,000 per lot. Concrete trucks need twice the dripline radius of every standing tree. Utility trenches need flat ground. A bulldozer flattens 200 lots in an afternoon. Preserving trees adds weeks and thousands per home. So the developer pockets $5,000 in savings and the buyer eats $50,000 in lost value for the next two decades. The person making the decision and the person paying for it have never been in the same room. The Woodlands, Texas is the proof of what happens when they are. George Mitchell bought 28,000 acres of Houston timberland in 1974 and preserved 28% as permanent green space. He forced McDonald's to build behind the tree canopy. That McDonald's became one of the highest-volume locations in Texas. The first office building, designed to reflect the surrounding forest so you couldn't see it from the street, leased completely. The Woodlands median home price today: $615,000. Katy, a comparable Houston suburb that clear-cut: $375,000. Named #1 community to live in America two years running. Fifty years of data. The trees are worth more than removing them saves. Developers clear-cut anyway because they sell the house once and leave. You live in it for 30 years.