John Tighe

@DeepWibbley @TeslaBoomerMama Turn off The View and find someplace to get truthful news.

@mrtnt52 @TeslaBoomerMama So what are your red lines? You're OK with him being a pathological liar, with the constitutional rights of American citizens being violated, with the nuke excuse, despite multiple administration reps confirming Iran poses no threat. The national debt is part of the economy...

Your view on Nato allies not participating in the Strait of Hormus strategy?

@PaigeSpiranac You still have great cans!

Good news and bad news Bad news is he hasn’t sent me a “great cans” message since I posted this which is devastating Good news is I’m now getting flooded by “great cans” messages by the rest of you

@BGWhitefield @DynoGameTheory @FF_Astronauts Seedless raspberry made by the Amish. Check out kitchen kettle man.

@DynoGameTheory @FF_Astronauts What’s your favorite kind of Jam? I really like Raspberry but lately Orange has been hitting good

Bro. Jam Miller ?

@Investanswers @iliketeslas She chose the wrong truck for that!

@iliketeslas agree the female driver was not on FSD when she did that.... I reckon she was trying to kill herself and the baby

Tesla should sue these publications

@NickGibbsIAG Shocker, huh? Who would have predicted this?

Oh this is hilarious

@RepNancyMace No shit. We all do.

I remain opposed to U.S. troops on the ground in Iran.

@RealCandaceO WTF is wrong with you. Change your meds!

Not only is Trump losing the war, he has also completely forfeited his legacy and base. This is panic. They are in a state of panic. And will surround him with fairytales now regarding how much his base loves him and hates Iran. We are reaching historical levels of delusion.

Read inbetween the lines: Trump is angry and they need to show him something positive. Zionists are now moving to Pravda, publishing fictional polls so they have something positive to put on his desk this morning. NO ONE supports this war outside of Never-Trumpers who have always been Israel-First. They are losing the war badly and seek to further delude Trump into believing his base wanted it.

@RealCandaceO WRONG!!! I would love to know how we are losing the war?

@bygregorr @dkhos @Rivian @RJScaringe @Uber Because Dara is terrified and making deals with everyone. Praying one of them hits.

@dkhos @Rivian @RJScaringe @Uber What made Uber go vertical integration route here instead of layering on an existing robotaxi stack like Waymo's?

Rivian is building something special: vehicle, compute, software, and manufacturing in the US all working together. Excited to partner with @Rivian and @RJScaringe to bring autonomous R2 robotaxis to @Uber.

@dictionaryhill @dkhos @ZachBeenvvr @Rivian @RJScaringe @Uber Hopium!!

@dkhos @ZachBeenvvr @Rivian @RJScaringe @Uber They really are. I wish early Tesla investors understood what Rivian is building instead of constantly bashing them. $TSLA folks now generate the same FUD we fought in the early days when nobody believed in Tesla. Great job seeing the signal through the noise .@dkhos

@TJTheWheelDeal Thank god you’re safe! 🤑

Marked myself safe from wasting time reading a bogus short report. Didn’t waste time watching echo chamber videos on it either :)

@Investanswers @mazemoore TRUTH. Move to Canada!

@mazemoore GFY

Gavin Newsom's wife: There's a lot to learn from same sex couples. Gender is on a spectrum. Evangelicals and conservatives are holding the country back but it won't work because people are woke. She's as crazy as any lunatic white liberal woman out there.

@isaacM5070 @stevenfiorillo @muddywatersre @SoFi You will absolutely regret this decision! In Noto we trust!

@stevenfiorillo @muddywatersre @SoFi You answered better than the company did. Nevertheless, where there is smoke there is fire 🔥… I am closing my position in a loss… and waiting to see

My phone has been going off nonstop due to the short report from @muddywatersre regarding @SoFi. Here is my opinion on the Personal Loan Charge Off Rate which is just one aspect. The Muddy Waters Thesis The Muddy Waters short thesis relies heavily on the idea that SOFI is artificially suppressing its Personal Loan charge off rate to protect the Fair Value of its assets. Muddy Waters argues that SOFI's true charge off rate is sitting closer to 6.1% which is drastically different from the 2.80% annualized net rate the company reported in Q4 2025. They claim SOFI pulls this off by offloading distressed loans just days before the 120-day mandatory charge off window, and stashing defaulted loans in off-balance-sheet Variable Interest Entities (VIEs). If SOFI had to plug that 6.1% rate into its discounted cash flow (DCF) models, Muddy Waters estimates it would wipe out $259 million in Fair Value gains, dragging down 2025 Adjusted EBITDA by almost 25%. To back this up, the report points to court filings showing SOFI sold $62.5 million in defaulted loans to Eltura Ventures, LLC for just $5 million (about 8 cents on the dollar) to dodge the charge-off hit. The Reality of SOFI’s Disclosures If you take a close look at SOFI’s financial disclosures and standard banking practices they paint a very different picture. The idea that SOFI is secretly burying losses assumes their metrics are meant to mislead investors. In reality, SOFI openly details these exact moves in its SEC filings. Their earnings releases clearly state that the reported 2.80% Q4 2025 charge off rate already bakes in asset sales, new originations, and late-stage delinquency sales. Management even models out what the numbers would look like without these sales to give the market total transparency. Their filings explicitly note that if they hadn't sold those late stage delinquent loans that the all-in annualized net charge off rate for Q4 2025 would have been around 4.4%. This would have been 0.2% higher than in Q3 2025. Capital Optimization, Not Manipulation Selling late stage delinquent loans right before the 120-day mark isn't a shady accounting loophole. From what I have researched, it’s standard practice for capital optimization across the consumer lending industry. Federal rules indicate that personal loans generally need to be charged off at 120 days past due. By the time a loan gets that close to the wire, the odds of internal collections recovering the principal are practically zero. Offloading the asset at a deep discount to a specialized debt buyer makes strategic sense. It brings in immediate cash that can be redeployed into new, performing loans, and it permanently hands off the headache of tail-end collection risks, legal fees, and operational drag. SOFI is upfront about this as they refer to it as a value enhancing move driven by better recovery capabilities and the retention of servicing rights. Calling a routine distressed asset sale a fraud mechanism ignores basic economics. SOFI getting 8 cents on the dollar in cold hard cash today is objectively better than taking a total accounting loss and wasting years chasing pennies through the courts. The Math on Vintage Performance Zooming out to look at the massive block of loans originated from Q1 2020 through Q3 2025, 60% of the principal has already been paid down. This has generated significant levels of cash flow for SOFI. On the paid off balance, SOFI has taken just 6.8% in net cumulative losses, which represents only 4.1% of the total original balance. SOFI operates with an underwriting tolerance capped at an 8% life of loan cumulative net loss, which they publicly state. To breach that 8% limit on the 2020–2025 cohort, the remaining 40% of unpaid principal would have to suffer a catastrophic 10% charge-off rate. When I factor in tighter credit standards and how more recent cohorts are performing compared to the historical cohorts, it makes the odds of hitting those loss levels incredibly slim in my opinion. I feel that the internal default assumptions in SOFI's Fair Value models are backed up by actual, realized vintage performance data, directly contradicting the claim of systemic manipulation. Conclusion Everyone has the right to their own opinion. I believe that there are many holes in the short report from Muddy Waters. I plan on making a detailed video about all of the aspects I disagree with. @Futurenvesting @Futurenvesting @Kross_Roads is there anything I missed on this aspect? This will make for a great discussion when all of us speak tomorrow and Friday night. @anthonynoto I believe I have everything correct for $SOFI and if I don't I apologize in advance.

@MiragliMike @SquawkCNBC @JoeSquawk I feel the same way when Joe is out. Andrew is unlistenable.

Watching @SquawkCNBC and there is @JoeSquawk pushing his forever trumper views. “Europe should be grateful for what the US does for it.” It’s a much more enjoyable show when Joe is out. He can be so disrespectful to the guests.

@ElhuronD33244 @TJTheWheelDeal Truth hurts!

@TJTheWheelDeal Man TJ i appreciate you not just being another American with the "we are the USA, we r rhe best in the world - fuck everyone else" attitude. It really is rare these times.

Is it time to take Israel to the woodshed and give them a spanking? As a Christian, we have a Biblical mandate to support Israel, but they do make it pretty dang hard to do so at times. We are living in very interesting times. I harken back to when I was a kid at church and the elders would say the end is near. I would just look at them like they were nuts. Now, I’m starting to think they might have been onto something. What a shit show we have on our hands. It’s sad and laughable all at the same time.

@TJTheWheelDeal This is a surprising take from you bro. Trust in the process.

@DeepWibbley @TeslaBoomerMama Are you kidding me? Our border is closed. Crime is down. Deportations are happening. Should be much faster, but too much pushback from people like you. Excellent economy, stock market at near all time highs. I can go on and on if you like. Iran will not have a nuke!!!

@mrtnt52 @TeslaBoomerMama Genuine qus: what about Trump do you like and what are you willing to overlook?

@Giants I am good either way! We do NOT need another RB.

Daniel Jeremiah says Sonny Styles & Mel Kiper picks Caleb Downs Who are you going with? 🤔 📰: nygnt.co/mtc-318

@NickGibbsIAG The world is a safer place when Iran doesn’t have nukes. Plain and simple.

Accurate.

@CJSportsRadio @EBHSGirlsBBall @GMConferenceNJ @travisretz @EB_Athletics Great job Coach Retz. A Lady Bear dynasty has started.

NEW! 🏆 @EBHSGirlsBBall Travis Retzlaff named CJSR @GMConferenceNJ Girls' Basketball Coach of the Year! Hear from @travisretz at the link! @EB_Athletics #NJHoops cjsportsradio.com/2026/03/18/eas…