@TylerEHand @grok summative and explain what does this mean for fmcc and FNMA shareholders
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sam
105 posts
Many false claims about FHFA, Fannie Mae, and Freddie Mac here - despite best efforts (note my italics):
• Direct factual inaccuracy on "no intention of reviewing ERCF"... The Annual Performance Plan (APP) explicitly includes Measure 1.1.3: Conduct reviews of the Enterprises’ compliance with Enterprise Capital Framework (ERCF) public disclosure requirements — Quarterly (with validation via documented approval of each GSE’s quarterly/year-end ERCF reports within 10 business days of SEC filings). This is active, ongoing oversight during FY26/27, not deferral or neglect.
• The APP is an internal performance management tool, not a binding policy ban or exhaustive roadmap. It lists routine, measurable KPIs (e.g., approve ROE reports by April 15, annual conservatorship Scorecard assessments in Q2 of each year, communicate expense decisions) to track day-to-day supervision under the broader Strategic Plan FY 2026–2030.
These documents assume the current legal structure for accountability purposes and do not prohibit, delay, or commit against major discretionary actions. FHFA has issued similar scorecards in prior years while pursuing capital builds, PSPA tweaks, and exit preparations. They are "guides" that can be overridden at any time. No language says "we will not act until 2027" or creates a hard timeline lock.
• "Manage the conservatorships" (Objective 1.3) is standard ongoing language—not evidence of indefinite preservation: It covers routine duties like annual performance assessments, board monitoring, asset preservation, and communicating priorities. The means/strategies focus on execution under the existing setup, with no explicit prohibition on exit steps. Past FHFA conservatorship scorecards (e.g., 2025) have explicitly referenced activities "necessary to support an exit from conservatorship."
This APP simply doesn’t list termination as a FY26/27 performance target (honest point: that’s disappointing for those hoping for accelerated language), but it also includes Objective 1.5 (reduce regulatory burdens) and support for housing supply expansion—aligning with deregulation and Trump priorities rather than perpetual prison.
• PSPA adjustments are primarily Treasury’s domain and not an FHFA operational performance indicator here. PSPAs are agreements between the Treasury Department (which holds the senior preferred stock) and the GSEs (with FHFA as conservator). The APP is FHFA’s internal performance plan and doesn’t list Treasury actions; silence ≠ refusal. Treasury can amend them independently (as done historically), and the Trump administration controls both agencies. No mention in this doc is expected and proves nothing about intent.
• Administration flexibility and precedent override any perceived "lock until 2027": The President, Treasury Secretary, and FHFA Director (Pulte, a Trump appointee confirmed ~2025) can direct changes anytime—performance plans are not statutes. Pulte has publicly deferred major calls (IPO/partial stake sales/release) to Trump while noting GSEs are "definitely" positioned and options remain open; the admin has already shown activity (e.g., multifamily caps raised, housing goals adjusted, MBS activity).
Trump’s deregulation EOs and housing-supply focus provide levers that fit the plan’s language. Historical precedent proves this post wrong. Reforms happened under similar oversight frameworks without "ending" listed as an annual metric.
$FNMA $FMCC
@BillAckman and @michaeljburry seem unshaken.
The Buyside Desk@buysidedesk
Now I see it. @FHFA released their new strategy for FY26/27. Based on the image below, it is terrible news for $FNMA and $FMCC shareholders. Basically, the FHFA under @pulte has no intention of reviewing ERCF, adjusting PSPA's or ending the conservatorship until at least Sep 30 2027 (end of FY27). Unless @Trump undoes this, then there is no chance of release before he leaves office. Perhaps #Trump has already decided the c-ship won't end. If this is not the case, then @pulte should be fired as his plan runs contrary to President Trump's public agenda.
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Peanuts aren't nuts.
They're legumes that grow underground, directly in contact with soil fungi that produce aflatoxin: one of the most potent naturally occurring carcinogens on earth.
The FDA doesn't require aflatoxin-free peanuts. They permit a legal limit. Because eliminating it entirely is considered commercially impractical.
Peanuts are also:
- High in lectins (gut lining damage)
- Among the highest omega-6 foods available (chronic inflammation)
- A top-10 allergen capable of anaphylaxis
- Heavily contaminated with pesticide residue
Peanut butter is mostly crushed omega-6, sugar, and legal amounts of a known carcinogen.
Enjoy your spoonful.
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I was in no way shape or form prepared for that.
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🚨Game-changing insight from Dr. Ben Bikman: Forget obsessing over LDL—your triglyceride-to-HDL ratio is the BEST indicator of insulin resistance & heart health!
Divide your triglycerides by your HDL (both in mg/dL).
- Under ~1.5? You're insulin sensitive—great sign!
- Over 1.5? Red flag—time to rethink carbs, prioritize protein/fat & cut refined sugars.
High ratio = higher risk for type 2 diabetes, heart disease, metabolic syndrome.
Low ratio = fantastic metabolic flexibility.
Check your latest labs—what's your TG/HDL? Drop it below 👇
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Chicken breast: 31g protein, 3.6g fat per 100g.
Beef ribeye: 25g protein, 15g fat per 100g.
"But chicken has more protein!"
Chicken also has: 3x the omega-6 fatty acids. 1/3 the iron. 1/4 the zinc. 1/10 the vitamin B12. Zero vitamin K2. Minimal fat-soluble vitamins.
Beef has: Bioavailable iron. Zinc for testosterone. B12 for neurological function. K2 for bone health. CLA. Creatine. Carnosine. Complete nutrition.
You chose more protein and less everything else.
Congratulations on your nutritionally bankrupt bird.
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Let’s talk about grass-fed vs grain-fed beef, because the internet has lost its damn mind.
The argument goes: grain-fed beef is inflammatory because omega-6.
But here’s what nobody’s telling you:
The omega-6 content in beef is basically the same regardless of what the cow ate. Grass-fed just has more omega-3s. That’s the difference. Grain-fed isn’t pumping you full of extra omega-6 — it just has less omega-3.
And even THAT difference? We’re talking milligrams.
Grass-fed beef: ~15mg omega-3 per serving
Grain-fed beef: ~3mg omega-3 per serving
Salmon: ~1,500mg omega-3 per serving.
Nobody is eating beef for omega-3s. That’s not what beef is for.
A Texas A&M professor who literally studies beef fatty acids said it plainly: beef will never be a good source of omega-3s regardless of how the cow was fed. Only fish offers real dietary benefit there.
Now about that “omega-6 causes inflammation” claim?
A systematic review of 15 clinical trials found virtually no evidence that omega-6 increases inflammatory markers in healthy humans. A meta-analysis of 30 trials with 1,300+ people? Same thing. No significant effect on inflammation.
So the entire foundation of “grain-fed = inflammatory” doesn’t hold up.
You know what DOES spike your omega-6 intake? Seed oils. Vegetable oils. The canola and soybean oil in everything processed. That’s where omega-6 consumption exploded over the last 150 years — not from beef.
If you’re eating carnivore or even just cutting out processed garbage, your omega-6 intake is already low. The ratio takes care of itself when you’re not drowning in seed oils.
If you can afford grass-fed? Cool.
If all you can afford is conventional ground beef? Also cool.
What matters more:
• Cutting out seed oils
• Eating enough protein and fat
• Staying full
• Not undereating
• Not being scared of food
Perfect food is useless if you can’t afford it or sustain it.
Real health comes from consistency, not purity 👑
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The first US Bank of the year has just collapsed:
Metropolitan Capital Bank & Trust has been shut down and placed into receivership by the FDIC.
Here's what likely happened and how markets might react:
The Chicago bank was a community bank by asset size ($261M), but operated with the risk of a boutique investment bank.
They operated in three segments:
- Tech-Infused Sports
- Digital Media
- Niche Real Estate Construction
From public information, we're able to see high concentration of risk in these two volatile sectors.
Namely, TMRW Sports, the venture founded by Tiger Woods. The bank didn't just facilitate the equity; it lent against it.
By providing "secured stock loans" and "NAV-backed financing", the bank allowed investors to borrow money to buy into the SPV.
Since the TGL venture dropped and the investment was illiquid, the collateral for these loans likely became worthless. The borrowers, facing liquidity constraints, would default on the loans.
The bank also financed "strategic add-on acquisitions" for clients in the digital media industry and Niche Real Estate Construction.
The bank’s involvement in "gap financing" for construction projects was likely equally toxic. MCB&T’s "creative" gap loans likely suffered total losses on projects that stalled or were foreclosed as construction sectors in 2024-2025 faced difficulty.
Snippet reveals that MCB&T held $43 million in FHLB advances against $261 million in assets (~16.5% of the balance sheet was funded by FHLB borrowing).
A series of terrible investments/loans likely caused the bank to collapse.
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Commentary:
You'll probably see headlines regarding bank collapses and silver trades.
Yes, community banks are designed to be conservative institutions but they this bank in specific took on a high-risk venture debt models.
This wasn't a bank run, just a terribly run leveraged investment fund.
But here's what to look out for:
$MCB - Metropolitan Bank Holding Corp is not Metropolitan Capital Bank.
The alpha is that if there's an algorithmic sell-off or short sellers mistaking the two, this would be a good buying opportunity.
$KRE - Looks like a buy if the sector sells off largely on "bank failure" headlines.
The bank ran a "casino" model on a community bank balance sheet, but this is isolated.
Look for commercial real estate exposure from small-cap Illinois/Midwest banks like CRE Loans or uninsured deposits ( > 50%) that might be affected.
However, this looks to be an extremely small regional bank and isolated incident so not much market opportunity here.
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2g of baking soda lowers inflammation and may help with some inflammatory and autoimmune diseases, such as rheumatoid arthritis.
It works by shifting the balance of macrophages (immune cells) from M1 (inflammatory) to M2 (anti-inflammatory).
Higher M1:M2 drives inflammation in rheumatoid arthritis and IBD.
"You are not really turning anything off or on, you are just pushing it toward one side by giving an anti-inflammatory stimulus," he says, in this case, away from harmful inflammation. "It's potentially a really safe way to treat inflammatory disease."
In the human part of the research, they used 2 g of baking soda dissolved in 250 ml of bottled water. This resulted in significant decreases in inflammatory M1, increases in anti-inflammatory M2, and decreases in the inflammatory TNF-α.
“We tested the hypothesis that oral NaHCO3 intake stimulates splenic anti-inflammatory pathways. Following oral NaHCO3 loading, macrophage polarization was shifted from predominantly M1 (inflammatory) to M2 (regulatory) phenotypes, and FOXP3+CD4+ T-lymphocytes increased in the spleen, blood, and kidneys of rats. Similar anti-inflammatory changes in macrophage polarization were observed in the blood of human subjects following NaHCO3 ingestion... Our data indicate that oral NaHCO3 activates a splenic anti-inflammatory pathway and provides evidence that the signals that mediate this response are transmitted to the spleen via a novel neuronal-like function of mesothelial cells.”
Ref:
Drinking baking soda could be an inexpensive, safe way to combat autoimmune disease
Oral NaHCO3 Activates a Splenic Anti-Inflammatory Pathway: Evidence That Cholinergic Signals Are Transmitted via Mesothelial Cells
Master Metabolism@lowmegatron
Barnes describes hundreds of patients in his care whose arthritis was improved by his method of treating hypothyroidism. In fact, the link between hypothyroidism was known at least as far back as 1914. “As far back as 1914, in his lectures in New York, Dr. E. Hertoghe, a distinguished Belgian clinician and member of the Royal Academy of Medicine, was pointing out that many patients with rheumatic complaints were improved by thyroid therapy. Among his patients was "an ecclesiastic [who] complained of the stiffness of his knees, which rendered ritual genuflection very difficult but which ultimately disappeared." And Hertoghe urged his medical audiences to "think of a possible deficiency of the thyroid secretion" whenever they encountered patients with any of a long list of problems, not least of which are "rheumatoid changes in the muscles, ligaments, or aponeuroses [tendons]." The mucopolysaccharides, which cause the characteristic bloating and swelling of the skin and tissues in hypothyroidism, also swell the intestines, causing constipation, and can play a role in osteoarthritic inflammation and degeneration. “Hundreds of patients complaining of mild periodic rheumatism at their first visit have been relieved of it when their other symptoms of thyroid deficiency have been relieved by treatment. And progressive arthritis has been rare among thyroid-treated patients over many years.” Barnes reported better results in children and those with seasonal “periodic” arthritis. Broda Barnes used natural desiccated thyroid (NDT) to correct the basal temperature and symptoms of hypothyroidism. These days, due to many false assumptions regarding the validity of the TSH test, many hypothyroid symptoms are misclassified as having other causes. However, some arthritic patients run a low fever and so have an artificially inflated temperature. It was found that NDT lowered the temperature in these patients, while increasing it in those with low temperatures. “Despite the puzzling results he obtained (some having a high basal temperature), Dr. Swain went on anyhow to try thyroid therapy (NDT) in sixty-seven patients. A curious fact that emerged with retesting after some time on thyroid therapy was that while those in whom the metabolic rate had been originally low showed an elevation, others in whom the rate had been originally high showed a decrease. Dr. Swain interpreted this to mean that those patients in whom the rate came down were under less tension while on thyroid. It is also possible that the lowered rate was associated with fewer episodes of respiratory infection while on thyroid, and thus less fever. Significantly, however, Dr. Swain, in treating the sixty-seven patients with thyroid (NDT), made no attempt to determine the correct dose, simply giving as much as a patient tolerated without undesirable effects. Despite this poor method of administration, the thyroid-treated patients showed improvement in their arthritic symptoms, and in their vitality and feelings of well-being.” From: Hypothyroidism: The Unsuspected Illness - Broda O. Barnes MD
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@MarioNawfal @grok , can you explain how x chat is better than WhatsApp or vice versa?
Which is the safest and why?
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🚨WHATSAPP FIRES BACK AFTER ELON URGES USERS TO DITCH IT FOR X CHAT
Elon called WhatsApp and Signal "not secure" and told users to switch to X Chat after a privacy lawsuit hit Meta.
WhatsApp responded with a detailed defense of their encryption: messages are encrypted on your device before they leave, only the recipient can decrypt them, and Meta doesn't have access to the keys.
"Any claims to the contrary are false."
They didn't name @elonmusk, but everyone knows who this was aimed at.
Source: Stockwise
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@Next100Baggers @oguzerkan @grok can you explain all acronyms in the above post and what info they would provide.
How do they look for ttd add of today?
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$TTD is the textbook case: fundamentals up, multiple down.
Stock is down 56% since Jan ’21. Yet FY24 did $2.45B revenue (26% YoY), $393M GAAP net income, and $739M operating cash flow.
When you pay “long-duration growth” prices, higher rates + any wobble = brutal de-rate.
My lens now: CTV share gains + UID2 traction + SBC vs FCF.
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If you invested $10,000 in $TTD 5 years ago, you would have $4,400 now.
Meanwhile, revenues tripled and net income doubled.
This singlehandedly shows how important the price is.
Even the most exceptional companies can be bad investments at the wrong price.
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The original post's advice on unemployment as a signal is solid—rising unemployment has preceded major crashes (e.g., per Sahm Rule, a 0.5%+ rise over 3 months signals recessions). It's a lagging-to-coincident indicator but useful for risk reduction.
Top 5 leading indicators for market drawdowns (ranked by reliability from economic data):
1. Yield curve inversion (10Y-2Y Treasury spread).
2. Rising unemployment rate.
3. Declining Leading Economic Index (LEI).
4. Falling consumer confidence (e.g., Conference Board index).
5. Inverted ISM Manufacturing PMI (below 50).
Best dashboards:
- FRED (fred.stlouisfed.org) for all.
- TradingView for yield curve/unemployment.
- Conference Board site for LEI/confidence.
- ISM site for PMI.
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Everyone asks: "How do you know when to go to cash?"
One metric: Unemployment.
Unemployment stable → Trade normally
Unemployment rising 2 months → Reduce risk
Unemployment rising 4 months → 100% cash
Every crash (2000, 2008, 2020) had rising unemployment.
Every "scary dip" without it bounced back.
Ignore the noise.
Watch the data.
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The report stems from journalist Sasha Ingber's Substack, citing anonymous special ops sources: US Special Forces captured a directed-energy weapon linked to Havana Syndrome months ago in an undisclosed op. It's under DoD testing to understand its effects (e.g., pulsed RF causing neurological symptoms). Attorney Mark Zaid confirmed similar info from his sources. Tied to unverified Venezuela raid claims, but officials deny use there. Past intel assessments doubt foreign ties, though new reports are pending. Skeptics call it potential propaganda. (347 chars)
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Well, well, well.
"A number of months ago, the U.S. captured a weapon that has been associated with Havana Syndrome. Both said it was seized by U.S. Special Forces during an operation...the weapon is under the Defense Department’s Intelligence & Security unit." sashaingber.substack.com/p/exclusive-us…
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@DiedSuddenly_ @grok , did Scott Adams really pass away or is it a hoax?
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Scott Adams was one of millions of good, unsuspecting Americans who trusted their government and was deceived into taking the Covid Vaccine.
Adams announced his stage 4 cancer diagnosis in May 2025, revealing that the cancer had spread from his prostate to his bones. He shared the news of his turbo cancer shortly after former Joe Biden (who also received the vaccine) announced his own prostate cancer diagnosis. Adams noted that while localized prostate cancer is often curable, once it spreads, it is not 100% curable.
Scott briefly tried the Ivermectin, HCQ, and Mebendazole cancer treatment under the Dr. William Makis protocol, but gave up after a few weeks, moving on to other experimental treatments that failed him.
His cancer spread quickly, ultimately killing him early this morning.
The world lost a good man today, may his memory be eternal. 🙏
How many other good people have we lost to Covid-vaccine induced turbo cancer?
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Based on Rick Rule's recent 2026 interviews and videos (e.g., his Jan 9 YouTube discussion), here are key stocks he's mentioned buying or discussing positively:
- Exxon (XOM) - Discounted oil play.
- Franco-Nevada (FNV) - Precious metals royalty.
- Agnico Eagle (AEM) - Gold miner value.
- Wheaton Precious Metals (WPM) - Royalty firm.
- B2Gold (BTG) - Top pick.
- Amerigo Resources (ARG) - Copper.
- SLB (SLB) - Energy services.
- GoldMining Inc. (GLDG) - Long-term hold.
- Fury Gold Mines (FURY) - Turnaround.
- McEwen Mining (MUX) - Copper upside.
- Royal Gold (RGLD) - Royalty model.
Not exhaustive; DYOR.
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Rick Rule: The Reason to Exit Silver, What Rick is Buying & Why Copper i... youtu.be/6rt7COYKRPo?si… via @YouTube 1-9-2026
YouTube
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@kakashiii111 @grok can you summarize this article, don't skip any valuable point
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As of Jan 7, 2026, Fed repo ops have normalized; Standing Repo Facility dropped to $0 from $74.6B record on Dec 31, with $34B on Jan 1 for year-end liquidity (per Reuters, Wolf Street). No ongoing records.
Historical pre-crash signs from 1929/2000/2008 include high CAPE ratios (~44 now), rapid margin debt growth, yield curve inversions, and market concentration (sources: History.com, Fool.com, Economics Help). No guarantees, but worth watching. Check back?
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Not sure of the source and need confirmation, but interesting,
David Parker@david_parker
A bank just went under.
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As of Jan 6, 2026, Fed repos showed records like $74.6B on Dec 31 and $34B on Jan 1 for year-end liquidity, with some viewing it as unusual stress signals akin to 2019. Silver at ~$77/oz after volatility; unverified rumors of large bank short losses (e.g., $4.8B for JPM) persist, but no confirmed major trades or failures per FDIC/CME. CFTC data shows ongoing bank shorts ~215M oz. Check back?
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