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Maybe The US Should Use My 821 FICO Credit Score? 😂😹🤣 Likelihood Of Another US Credit-Rating Downgrade!! The likelihood of another credit-rating downgrade for the USA is increasing due to its unsustainable fiscal path, with national debt exceeding $38 trillion and ongoing deficits. Major credit rating agencies have already expressed concerns about the government's inability to address these financial challenges, suggesting that further downgrades could occur if the situation is not managed effectively. Current Credit Rating Status As of now, the United States has experienced multiple credit rating downgrades. The most recent downgrade occurred in October 2025 when Scope Ratings lowered the U.S. long-term issuer and senior unsecured debt ratings from AA to AA-. This followed a downgrade by Moody's in May 2025, which reduced the rating from AAA to Aa1. Factors Influencing Future Downgrades National Debt The U.S. national debt has surpassed $38 trillion, with projections indicating it could reach 156% of GDP by 2055. The government is currently adding debt at an alarming rate, borrowing an additional $1 trillion every five months. Governance And Fiscal Policy There is a perceived "sustained deterioration" in public finances and governance standards, which raises concerns about the predictability of U.S. policymaking. Political gridlock has hindered significant fiscal reforms, leading to a lack of plans to address the growing debt. Market Reactions Following the recent downgrades, bond yields have risen, indicating increased borrowing costs for the government. If confidence in U.S. debt continues to decline, further downgrades could occur, leading to even higher interest rates. Conclusion Given the current trajectory of U.S. debt and governance issues, the likelihood of another credit rating downgrade remains high. Analysts and credit rating agencies are closely monitoring these factors, and without significant changes in fiscal policy, further downgrades could be imminent. Remainder Of The Article: “Would Someone Please Buy US Treasury Bonds?” Janet Yellen #GotBitcoin:
Bitcoin: A Superior (Hard-Money, Transparent, Yield-Bearing Credit Asset Class) VS Toxic Private Credit Markets Definition And Growth Private credit refers to non-bank lending where debt is not publicly traded. This market has grown significantly, reaching estimates of over $2 trillion. It has become a major source of financing, especially for middle-market firms, as banks have reduced their lending due to stricter regulations post-2008 financial crisis. Risks Involved While Private Credit Can Offer Attractive Returns, It Carries Several Risks: Opaque Ratings: Lack of transparency in how loans are rated can lead to mis-pricing of risk! Aggressive Leverage: High levels of debt can amplify losses during downturns! Illiquid Investments: Many private credit investments have long lock-up periods, making it hard to exit! Regulatory Concerns Regulatory bodies have raised alarms about the potential for a financial crisis stemming from mismanaged private credit. Concerns Include: Covenant-Lite Loans: These loans have fewer protections for lenders, increasing risk. Limited Track Record: The private credit market's performance during economic downturns remains largely untested. Conclusion The private credit market offers opportunities but also poses significant risks. Investors should be aware of the potential for toxic conditions if proper management and transparency are not maintained! Bitcoin Is A Superior Hard-Money, Transparent Form Of "Digital Credit" Bitcoin is evolving into a yield-bearing asset class, often referred to as "digital credit," which allows holders to earn income from their Bitcoin holdings. This transformation is facilitated by innovative financial products that enable staking and other decentralized finance (DeFi) activities, making Bitcoin more active in generating returns. Understanding Yield-Bearing Bitcoin Products What Are Yield-Bearing Bitcoin Products? Yield-bearing Bitcoin products allow holders to earn returns directly in Bitcoin (BTC). These products enable users to stake their Bitcoin without converting it to other assets, creating new opportunities for passive income. This shift is significant as it transforms Bitcoin from a passive store of value into an active financial instrument. The Rise of Digital Credit What Is Digital Credit? Digital credit refers to a new asset class that generates yield while minimizing volatility. It is seen as a complement to Bitcoin, which serves as a store of value. This concept is gaining traction among institutional investors, who are exploring ways to integrate yield-bearing assets into their portfolios. Benefits of Digital Credit Stable Returns: Provides predictable income without the high volatility associated with Bitcoin. Enhanced Usability: Bridges the gap between traditional finance and decentralized finance (DeFi), allowing for more diverse investment strategies. Conclusion The emergence of yield-bearing Bitcoin products and the concept of digital credit represent a significant evolution in the cryptocurrency landscape. These innovations not only enhance the utility of Bitcoin but also attract institutional interest, paving the way for broader adoption and integration into mainstream finance.
#1 Best Seller Read By The Author, Natalie Brunell Let’s face it—we all sense something is wrong. People have lost faith in the future. They feel left behind as the cost of homes, university fees, and even groceries continue to skyrocket. While the rich grow exponentially richer, life for the average person has become increasingly unaffordable. Bitcoin Is for Everyone invites us to consider a jaw-dropping idea – that one problem lies at the root of all the others. Our money is broken!!
Long-Term US Bonds Will Probably Stay Stubbornly High Regardless Of Who Heads The Fed. One thing is clear: the bond market isn’t buying President Donald Trump’s idea that faster rate cuts will send bond yields sliding down and, in turn, slash the rates on mortgages, credit cards and other types of loans. If the Fed continues to cut rates, the mortgage rates will go “vertical,” Jim Bianco, president of Bianco Research. By some measures, a disconnect like this, with Treasury yields climbing as the central bank lowers rates, hasn’t been seen since the 1990s. “The Fed is looking to sustain this expansion, not end it,” said Jay Barry, head of global rates strategy at JPMorgan Chase & Co.. “That’s why rates have not moved aggressively lower.” The bond market’s reaction to the Federal Reserve’s interest-rate cuts has been highly unusual. What the divergence indicates is a matter of heated debate. Opinions are all over the place, from the bullish (a sign of confidence that recession will be averted) to the more neutral (a return to pre-2008 market norms) to the favorite culprit of the so-called bond vigilantes (investors are losing confidence the US will ever rein in the constantly swelling national debt). Remainder Of The Article: “Would Someone Please Buy US Treasury Bonds?” Janet Yellen #GotBitcoin:
What Is Bursitis, What Causes It And How Do I Treat It? Bursitis is the inflammation of bursae, which are small, fluid-filled sacs that cushion joints and reduce friction between bones, tendons, and muscles. There are over 150 bursae in the human body, and bursitis can occur in any of them, but it most commonly affects the shoulders, elbows, hips, and knees. Symptoms The Symptoms Of Bursitis Typically Include: Pain, Especially When Moving The Affected Joint Swelling And Tenderness In The Area Limited Range Of Motion Warmth Or Redness Around The Joint In some cases, if an infection is present, additional symptoms may include fever and chills. Causes Bursitis Is Often Caused By: Repetitive Motions Or Prolonged Pressure On A Joint (E.G., Kneeling, Throwing) Trauma Or Injury To The Joint Underlying Conditions Such As Arthritis, Gout, Or Diabetes Treatment Treatment For Bursitis Generally Involves: Resting The Affected Joint Applying Ice To Reduce Swelling Taking Anti-Inflammatory Medications For Pain Relief Physical Therapy To Improve Mobility In severe cases, a healthcare provider may recommend aspiration (removing fluid from the bursa) or corticosteroid injections. If bursitis is caused by an infection, antibiotics may be necessary. Maintaining a healthy weight and using proper techniques during activities can help prevent bursitis. Our Video Library:
Present Issues And Historical Records Clearly Indicate Gold Is Not Fit To Compete With Bitcoin🍾🤩✅😎👍🏿 Peter Schiff fails to authenticate gold bar during onstage test with Binance co-founder Changpeng "CZ" Zhao! A panel featuring gold advocate Peter Schiff and Binance co-founder Changpeng “CZ” Zhao at Binance Blockchain Week highlighted the challenges of verifying physical gold, after Schiff was unable to confirm whether a gold bar presented to him was genuine. The debate centered on whether tokenized gold or Bitcoin is a better store of value asset based on divisibility, portability, verifiability, durability and supply constraints — key factors in assessing an asset’s viability as money. CZ argued that BTC is a better medium for storing value for several reasons, including the ability for any user to instantly verify the cryptocurrency through a full node or other methods that check a cryptographically secure public ledger. Fire assaying, or the process of melting down gold to verify its integrity and makeup, is the only way to attain 100% certainty. However, the London Bullion Market Association (LBMA) characterizes this as a “destructive” testing method. “At present, there does not appear to be a definitive non-destructive testing solution that can be endorsed” the LBMA says.🤣😂😹 Meanwhile, We Have An Excerpt From An Austrian Perspective On The History Of Economic Thought Volume I-II By, Murray N. Rothbard "The heart and soul of the currency principle was a rigid tie of Bank of England note issue to 100 per cent gold reserve; but if this restriction was to be suspended whenever banks or businesses got into trouble, then the currency principle lay in shambles. As the prominent London banker George Carr Glynn correctly prophesied after the 1847 suspension, the public would expect another suspension in every future crisis. And sure enough, that is precisely what happened. In response to the 1847 crisis, there were committees of parliamentary inquiry in 1847 and 1848. The suspension of Peel's Act during the crisis of 1857 was easier, and while there were parliamentary committees in 1857 and 1858, there was, in contrast to the 1847 crisis, no debate on the floor of Parliament. And the suspension of Peel's Act in 1866 was considered so routine that there was not even the bother of a parliamentary committee of inquiry. It is therefore remarkable that, from the time of the first suspension in 1847, the currency school, without exception, defended the suspension of Peel's Act, giving no sign of realizing that they were thereby abandoning their entire doctrine. For not only did suspension in crises weaken the point of the Act, but also the knowledge that suspension would come to the rescue in any crisis emboldened the bank and banking system to expand credit as if the restrictions of Peel's Act did not exist at all As a result, all that was left of the currency principle was the monopolization of notes by the Bank of England." Remainder Of The Article: Ultimate Resource For Bitcoin’s Inflation Rate VS Gold And The U.S. Dollar:
Global Community Group Buying Community group buying, also known as collective buying, is a model where a minimum number of consumers purchase goods and services at reduced prices. This approach leverages the power of bulk purchasing to benefit both buyers and sellers. Key Features How It Works Bulk Purchases: Consumers join together to buy items in larger quantities, which lowers the price per unit. Community Leaders: Often, a designated leader organizes the group and manages orders, enhancing communication and logistics. Discounts: The model provides significant savings for consumers, making it attractive in price-sensitive markets. Popular Platforms China: Major players include Pinduoduo and Meituan, which dominate the market by catering to underserved communities. Southeast Asia: Startups like Super in Indonesia and Webuy in Singapore are expanding the model to new regions. Market Growth Economic Impact The global community group buying market was valued at approximately USD 18.5 billion in 2023 and is projected to reach USD 45.2 billion by 2032, growing at a CAGR of 10.5%. The rise of smartphones and internet access in emerging economies is a significant driver of this growth. Social Factors Community group buying fosters trust and loyalty among participants, enhancing customer engagement through social networks. The COVID-19 pandemic has further accelerated the adoption of this model, as consumers seek safe and cost-effective shopping options. Conclusion Community group buying is reshaping the e-commerce landscape by providing a collaborative shopping experience that benefits both consumers and retailers. Its growth is fueled by technological advancements and changing consumer behaviors, particularly in densely populated regions. Remainder Of The Article:
To That I Say, “Yabadaba yabadabadoda Yabadaba dabadowa” 🤩😎👍🏿 Can YOU Do It All Day Long?
Now Watch You're Purchasing Power Go Down The Toilet!😹😂🤣
Upcoming Quantitative Easing AND Bank Expansion Of Credit (A Recipe For Disaster) Federal Reserve's Plans The Federal Reserve is expected to initiate quantitative easing (QE) soon, following a period of quantitative tightening (QT). The transition is anticipated as the Fed aims to stimulate the economy after reducing its balance sheet since June 2022. Context of QE Quantitative easing typically occurs when interest rates are near zero, making traditional monetary policy less effective. The Fed has used QE in the past, particularly during economic downturns, to increase liquidity and encourage lending. Timeline While specific dates for the start of the new QE program have not been officially announced, indications suggest that it may begin shortly as economic conditions warrant intervention. The Fed regularly assesses economic indicators to determine the appropriate timing for such measures. For the latest updates, keep an eye on announcements from the Federal Reserve regarding their monetary policy decisions. image