Tim Murphy

Yes! All construction—even ‘luxury’ construction—helps housing affordability. It creates moving chains that open up opportunities for lower earners and make more affordable units available.

LINK: nationalreview.com/magazine/2026/…

Oxford professor John Lennox in an interview with Jordan Peterson in 2023 explained his view that there is no conflict between science and Christianity: "I never saw the tension between Christianity and science because very early on as a teenager I was introduced to the writings of a scientist who was a Christian who drew my attention to something Alfred North Whitehead wrote, and it was really put in much simpler language by C.S. Lewis when he wrote 'Men became scientific because they expected law in nature, and they expected law in nature because they believed in a Lawgiver.' And so, very early on, and I was fascinated by the idea, that actually modern science is a legacy of the biblical worldview, and therefore, it's no accident that the pioneers—Galileo, Kepler, Newton, Maxwell, and so on—were believers in God. And as you pointed out, it underpins the tradition that lies behind the great universities of the world that the doctrine of Creation was actually the belief, the underlying presupposition, that allowed people to do science. So I've come over my life to the conclusion that science and the biblical worldview sit very comfortably together, but it's science and atheism that do not sit comfortably together."

TLDR: I am a recovering alcoholic with no fund, no credentials, and no lobbyist. I rebuilt myself from nothing. Then I broke into finance with no degree, no pedigree, and no permission. I parsed SEC filings for a $31.5 billion private credit fund called Cliffwater. Not because anyone asked me to. Because nobody else would. The filings are public, but they are buried in footnotes that are not indexed, not searchable, and not structured for analysis. I have been told by fund managers that nobody even attempts this. Billions of dollars in pension capital, and the people who manage money for a living do not bother to read the filings. So I read them. Every loan. Every amendment. Every semi-annual PIK disclosure. 2,330 positions. I hand-researched fifty. I found 189 loans where borrowers are paying interest with more debt instead of cash. I found over 50 loans that are not generating enough cash to service their debt at all — carried at par on the books of a fund that has never reported a losing month in 41 months. The fund's Sharpe ratio is 3.75. Bernie Madoff — who was fabricating returns and could pick any number he wanted — ran a 3.5. He got caught because the numbers were too smooth by Markopolos. The greatest quant fund in history, Renaissance Technologies, runs a five or six. Cliffwater is claiming risk-adjusted returns that would be impossible even if you insider-traded with perfect information every single time, because the volatility of the underlying markets would still prevent it. Nobody asked questions. Bloomberg confirmed 14% redemptions 48 hours after I published. S&P cut the fund's outlook to negative this week. Cash on hand fell 76% in six months. This is not an isolated fund. This is the structure. $9.4 trillion in private equity. $3.5 trillion in private credit. They all pay their own valuation agents. The valuation agents decide what the funds are worth. No valuation agent has ever been fired for saying the number was too high. The marks produce the NAV. The NAV produces the fees. The fees come from pensions. The pensions come from firefighters and teachers and nurses in Oregon and California and Illinois who will never read a private placement memorandum in their lives. Wall Street ran out of rich people. The endowments were full. The sovereign wealth funds were tapped. So they went downstream — to 401(k)s, to retirement accounts, to interval funds sold to people who have no idea what they own. 1. Direct the SEC and FSOC to examine Level 3 fair value practices across interval funds and BDCs. 2. Require that valuation agents be independent of the funds they mark. 3. State publicly that the current self-marking regime creates systemic risk. 4. Mandate position-level mark disclosure for every fund that accepts pension capital. There are two ways this ends. It breaks all at once like 2008 and we fix it. Or it rots slowly like Japan: one fund blows up, six weeks of quiet, another one, and nobody connects it for a decade while a generation of retirees gets destroyed. I am not asking anyone to take my word for it. I am asking them to read the filings. If you know someone in the administration, a regulator, or anyone on a legislative committee, please send this to them. One person learned this from a one-bedroom apartment. Your government can too. The will is what is missing.

@strxwmxn Do you have problems with things freezing with your fridge set so low?

Nothing proves Israel controls the US like clips of Candace Owens, Joe Rogan, Tucker Carlson, Glenn Greenwald, Theo Von, and Ana Kasparian saying that Israel controls the US. The temperature in my refrigerator is higher than their combined IQ, and it’s in Celsius.

This is shaping up as the most consistent finding in housing studies: Building lots of luxury housing can reduce rents at the top of the market—but the people it helps most are renters struggling to afford even the least desirable units

@Mt2Aguy Nice!!

She got it. My wife rocks! 🤟

A new analysis shows how California’s anti-fossil-fuel policies are putting national security at risk. on.wsj.com/4bEOjsw

@SenecaSpeaks21 No

Are we really about to give up America without a fight? That’s so wack…

@grilli262 @GBNT1952 😂

@GBNT1952 Yeah can you imagine if Joe Kent ever ran for political office? He would definitely win.

Populists are a trip, man…

According to Judaism, Jesus is not the promised Moshiach. According to Christianity, Judaism misunderstood God’s law and misidentified the nature of the Messiah. So what? According to the Roman Catholic Church, all Protestants were once heretics, lost outside the true Church, until Vatican II began softening the language. To this day, many Southern Baptists consider Pentecostal practices dangerously unbiblical, even bordering on paganism. Some Messianic Jews reject the Trinity. Some Jews reject the Talmud altogether. Calvinists believe Arminians preach a false gospel. Orthodox Jews see Reconstructionist Jews as heretics. Just because someone shares your label, Jew or Christian, doesn’t mean they’re closer to you than someone who doesn’t. Sometimes, the deeper divide exists within the label, not across it. What truly matters, especially in the public square, is this: Do we believe that God is good, and that His goodness must be pursued and manifested in the world? Both Jews and Christians answer that with a resounding yes. I’m not talking about soteriology here. What I’m talking about is what shapes the world we live in, the laws we make, the culture we build, the values we defend. And on that level, Judaism and Christianity stand shoulder to shoulder. We believe in human dignity because man is made in the image of God. We believe in truth because God is not a liar. We believe in justice because God is just. We believe in mercy because God is merciful. These shared convictions have built civilizations, shaped legal systems, inspired art and science, and sustained human rights movements across centuries. This is why we’re fighting Islamic expansion, not because we hate Muslims, but because Islam introduces an entirely different moral structure built on a different view of God. Islam does not see God as a loving Father, but as an unapproachable master. It does not see humans as bearers of divine image, but as subjects of law whose worth depends on religious affiliation. It does not honor freedom of conscience, or the concept of grace, or the sanctity of individual thought. It brings with it a system of conquest, not covenant. Fear, not relationship. Power, not redemption. I don’t care if someone calls themselves a Christian if their God does not resemble the God of Scripture. And I don’t automatically see a Jew as “other” because he doesn’t accept Jesus as the jewish Moshiach. I care whether we are worshiping the God whose character is good, whose justice is righteous, and whose mercy lifts the broken. Because that God builds civilizations. And the god of Islam dismantles them.

@wokal_distance There are 2 In the picture. Which one?

I am literally begging you all not to fall for the latest charlatan build-an-influencer who is trying to dishonestly grift of Israel conspiracism. Please, please, have some discernment.

The Marijuana Legalization Trap: How It Paved the Way for Cartel Meth and Fentanyl Labs on American Soil California's 2016 recreational marijuana legalization was supposed to kill the black market and weaken cartels. Instead, heavy taxes, regulations, and high prices kept illegal weed thriving—cheaper and unregulated. Mexican cartels adapted fast. They shifted massive grows onto U.S. soil, especially in remote Northern California counties like Humboldt, Mendocino, Trinity, Siskiyou, Lassen—and Calaveras. I saw this firsthand filming the documentary “Narcofornia” with journalist Jorge Ventura (@VenturaReport). We documented huge illegal operations on public and private land: thousands of plants under hoop houses, armed guards, trafficked workers (often migrants), stolen water, and toxic chemical dumping that killed wildlife and wrecked ecosystems. These weren't small ops—they supplied black-market weed nationwide while devastating rural communities with violence, trafficking, and fear. I warned then: this infrastructure would pivot to higher-profit drugs like meth and fentanyl. Cartels already had the sites, labor networks, and border pipelines. Why smuggle everything when you can produce here? That's exactly what's happening now. Recent busts—like the massive "Operation Trash Panda" in Calaveras County (February 2026)—seized thousands of pounds of meth from clandestine labs, plus active marijuana grows and firearms. Same areas overrun by illegal cannabis are now meth production hubs, often run by the same networks. Legalization didn't end cartel control—it gave them a U.S. foothold. Open borders fueled the manpower; weak enforcement let it grow. Americans are paying the price with poisoned communities and deadly drugs made on our soil. Time for real action: secure borders, aggressive raids on grows and labs, and policies that protect rural America—not romanticize the industry. The trend I filmed years ago is writing itself today. Raw footage I filmed for the documentary back in April of 2022.

A well run party isolates and does not indulge extremists whose views are incompatible with its founding principles. There is no room in the @cagop for racism, antisemitism.

@finn20142017 @ksorbs @livefreedet Stupid isn’t a role for him it’s his natural state.

@ksorbs @livefreedet Stop playing stupid

What?

This is one of the most disgusting non-profit grifts in the entire state of California. They warehouse the homeless. Help them use drugs in their housing and watch them get carried out in body bags. @HUDgov @SecretaryTurner @SoledadUrsua

When the government picks winners, lobbyists win. When markets pick winners, customers win.