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AI Explorer | Biotech Enthusiast | Pizza Lover | "What lies behind us & what lies before us are tiny matters compared to what lies within us." - Emerson | 🇺🇦

Earth
Joined February 2017
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If you’re a buyer try this Assuming you’re looking at $500,000 purchase price If you have found a house you like in person or Zillow call the sellers agents and tell them this: I want to represent myself and I want to use the 3% that you would otherwise pay my agent to lower the price of the property $500,000-3%=$485,000.00 Tell them that you have a prequalified letter and your rate is sitting at a 7.25% and you would like concessions to buy down the rate to 6.50%. The average concessions to buy down the rate range from 2% to 3% of the purchase price $500,000*2%=$10,000.00 $500,000*3%=$15,000.00 Let’s pick the $15,000 concessions because properties ain’t selling now so more pressure to the seller to accept it $485,000-$15,000=$470,000.00 Come the inspection period Tell them that you’re buying the house as is but if you see something you don’t like you walk out with no penalty and you get the earnest money back. Say you don’t like something and to fix it is $5,000 You’re looking at a $465,000 You can also negotiate from the top Instead of offering full price you offer $10K less at $490K then you say that you want to represent yourself so then you’re looking at a $455,000 This scenario is very real in this real estate cycle 🔃 we’re in. If you’re stuck in something just ask grok ChatGPT or the sellers realtor like hey which form do I need to represent myself and to negotiate with the seller about which percentage to negotiate because you’re representing yourself. The seller agents will provide you that form because they also want to get paid.
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A woman with a $2.9M house in New York lived in a homeless shelter while a stranger collected $12,000/month renting it out He'd stolen it using fake paperwork. Then convinced a bank to give him a $1.2 million loan using HER house as collateral. He got away with collecting rent for 7 years while the owner lived in a shelter. If you own a house, you could end up in the same situation heres how to make sure this never happens to you: In 2012, Joseph Makhani used fraudulent deeds and companies he controlled to take over an elderly woman's brownstone in Harlem. One of his companies filed a document claiming it bought her house for $10. Then he went to a lender and claimed he'd paid $975,000 for it. The lender gave him a $650,000 construction loan. He eventually refinanced that into a $1.2 million mortgage, converted the building into apartments, and started renting them out. For 7 years, he collected more than $12,000 every month. The actual owner was living in a homeless shelter. In July 2026, a New York jury found Makhani guilty of possessing stolen property and a scheme to defraud. Now think about what had to happen for any of this to work. When somebody buys a house, a deed gets recorded with the local government. That public record is how lenders, buyers, and title companies check who owns a property. You'd assume the government verifies that the sale happened before recording the deed. It doesn't necessarily work that way. New York City's Department of Finance says it's required to record documents that meet its filing requirements. Even if those documents are later found to be fraudulent. Recording a fake deed doesn't make the thief the legal owner. But it can give them paperwork convincing enough to fool lenders, tenants, and other people dealing with the property. Which explains how somebody can end up borrowing over a million dollars against a house they never legally bought. And why the real owner might not discover what's happening until years later. New York City has a free service specifically designed to help homeowners catch suspicious filings. It's called Recorded Document Notification. You register your property, and the city emails you when someone records a deed, mortgage, or certain related documents against it. Usually the following day. If you own property in NYC, go to (nyc.)gov/acris and select "Recorded Document Notification." Register your property address and email. That's it. Some counties outside New York offer similar free alerts through their recorder's office. The FBI even recommends signing up for them where they're available. There's one other thing I'd check before registering. Look at the deeds and mortgages already recorded against your house. Make sure you recognize them. Because an alert you sign up for today won't necessarily tell you about a fraudulent deed somebody filed 3 years ago. And if you find a document you never authorized, get a copy and report the suspected fraud to your county recorder and law enforcement. A real estate attorney can help you challenge it. These alerts won't prevent somebody from filing fake paperwork. They give you a chance to discover it before the situation gets worse. And considering what happened to this woman, I'd rather spend a few minutes checking my property records than discover years later that somebody has been collecting rent from a house I own.
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boovalu23.base.eth retweeted
Archimedes' tweets sometimes come across cryptic due to over-conciseness. His point is that the $ZURA thesis hinges on 1) Tibulizumab (LY3090106) having better binding affinity than bimekizumab for IL-17A 2) IL-17F doesn't matter much But the write up made the wrong assumption that scFv of ixekizumab grafted onto C-term of anti-BAFF mAb retains the same affinity as the parent mAb. This is an incorrect assumption. Lilly even published a paper where they compared ixekizumab and tibulizumab (LY3090106). The affinity takes a 7-fold hit (2 vs 14 pM). Lilly assay only used IL-17A, so you expect they form AA homodimers If you take the 14pM Kd for IL-17AA for Tibu, then it is inferior to bimekizumab. And this is before potential PK issues kick in. pmc.ncbi.nlm.nih.gov/article…
Your own citations are just plain wrong. 5x worse potency than Bime. Not factoring BAFF is a major sink on PK , 150mg not enough drug on a basic analysis of PK $ZURA pmc.ncbi.nlm.nih.gov/article…
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boovalu23.base.eth retweeted
I'm working on making @BullpenDotNews the easiest way to discover new stock ideas, especially for tech and consumer investors Every morning, we send a free email rounding up the latest stock pitches from across the internet. Sign up and read the last edition: bullpen.news/recap/2026-10-0… I'd love your feedback on how we can make it even better!
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Not the cheap option on the menu....beef prices have been climbing nonstop and prime rib feels it more than anything But our smoked prime rib pizza with hot giardiniera is still one of my favorite things we make Chunks of smoked prime rib, giardiniera, peppers, and a lot of cheese holding it all together Worth every bit of it
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🚩IT HAS BEGUN. We warned that pension funds are at risk. This is NOT an isolated incident. We are reviewing the lawsuit. We are publishing on this in our Confidential Insights newsletter. Link below. 🚨This week: A PE firm bought a small, old insurer and turned it into an annuity machine. It invested policyholder money in risky, illiquid private loans, many to its own affiliates and to another PE firm that turned out to be an alleged fraud. The PE firm collapsed. The regulator now says the insurer's real capital is gone and that it can't cash out those loans in time to pay retirees. It is asking a court to take the insurer away from the PE firm before that becomes a default.
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boovalu23.base.eth retweeted
This doesn’t happen unless there is noise coming from the repo desks. There’s a major financial institution at the threshold of not being able to fund itself in The Street. First check for NY Fed is to identify which other institution(s) have material counterparty exposure. Not good.
THE FEDERAL RESERVE BANK OF NEW YORK HAS BEEN VISITING BIG BANKS TO REVIEW THEIR LOANS TO PRIVATE CREDIT FIRMS, WITH FED OFFICIALS GOING INTO JPMORGAN, WELLS FARGO, BARCLAYS AND MORGAN STANLEY WITH QUESTIONS ABOUT EXPOSURE, RISK MANAGEMENT AND COLLATERAL QUALITY - SEMAFOR
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boovalu23.base.eth retweeted
🚨 Victory Monday giveaway 🚨 Repost for the chance to win a @kylemonangai signed helmet
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🚨WOW! It was great to see a CRISPR Gene Editing company mentioned in Barron's excellent BioTech Roundtable in which 4 senior financial advisors chose 16 leading BioTech and Pharma stocks that are worth noticing. David Risinger - Senior Managing Director and Senior Research Analyst at Leerink Partners, chose Scribe Therapeutics - $SCTX which recently came public. Scribe’s pipeline is based on two separate platforms - an epigenetic silencer platform and the CRISPR Gene Editing platform. Scribe’s leading candidate STX-1150 is a novel liver-targeted therapy designed to epigenetically silence the PCSK9 gene, reduce the patient’s LDL / “bad” Cholesterol levels and to enable long-lasting gene silencing in the liver without permanently altering the patient’s DNA.
Following today’s @scribetx announcement 🧵👇- here’s a fascinating and short interview, with @BenjaminLOakes about the collaboration of Scribe and Eli Lilly’s subsidiary Prevail Therapeutics, Scribe’s co-founder Jennifer Doudna & its CRISPR by Design & X-Editing platforms. $LLY
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boovalu23.base.eth retweeted
Our new pizza of the month....the Chicago Bears Hot Honey pizza. hot Chicago giardiniera, Italian sausage, and a hot honey drizzle over the top. about as Chicago as a pizza gets Almost 15 years ago WGN came out and featured us for our Chicago Bears burgers of the week and our Vienna Beef Ditka sausage pizza. that was after we'd spent a full year quietly fixing the restaurant we took over Thats what put us on the map, and we never stopped doing it A new item every month keeps the buzz going....new people hear about us, and the regulars who drifted away for a while have a reason to come back People drive 20+ miles for these. thats how a quick service spot in an area losing population every year turned into a destination restaurant
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boovalu23.base.eth retweeted
HEARTWARMING: #Bills WR DJ Moore was eating at a diner with his wife when an anonymous Buffalo fan paid for their meal. After finding out, Moore decided to pay for EVERYONE’S meal in the restaurant and gave the remaining money to their waitress. THIS IS REALLY AWESOME. 🥹❤️
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boovalu23.base.eth retweeted
Oppenheimer reiterated $VKTX Outperform-$100 and said -- We believe a key bear thesis surrounding VKTX could soon be disproven. $LLY $GPCR NVO MBX KLRA Oppenheimer added—Many investors have assumed that LLY's tirzepatide would thoroughly dominate the GLP-1/GIP category, preventing future entrants from achieving meaningful differentiation. Meanwhile, upcoming VK2735 maintenance data may establish adherence as the next major competitive battleground in obesity and chronic metabolic disease. Specifically, VK2735's extended pharmacokinetic profile may support every-other-week, monthly, and potentially oral maintenance strategies that could materially reduce treatment burden while preserving efficacy. VKTX is not competing with tirzepatide solely on trajectory or extent of initial weight loss. Rather, we believe VK2735 should compete effectively on long-term persistence, flexibility, convenience, and continuity of care. If imminent maintenance data are favorable, then VK2735's opportunity to capture market share should drive 18% upside.
BRiley reiterated $VKTX Buy-$85 $GPCR $LLY NVO MBX KLRA BRiley said in its note -- We return to Buy-rated Viking Therapeutics (VKTX, $85) ahead of imminent 3Q26 Ph1 subcutaneous (SC) maintenance readout, following Structure Therapeutics (GPCR, NR) reporting this morning (BMO, 9/8) a combined update covering full Ph2b ACCESS open-label extension (OLE) 72-week topline for its oral small molecule GLP-1 aleniglipron, plus first-inhuman Ph1/2a single ascending dose (SAD) data for its oral small molecule amylin/DACRA ACCG-2671. On the GLP-1 side, aleniglipron's deepest OLE arm reached 16.2% total weight loss (WL) from baseline at 72 weeks under the primary efficacy estimand (EE), gaining ~4% WL over an additional 24-weeks at the end of Ph2 ACCESS randomized portion, and ~1% more with 12- weeks additional from 120mg starting at week 60. In our view, this overall reinforces the oral mono-GLP1 ceiling that we framed at ADA'26 (6/12 note), a tier that sits below dual GIP/GLP1 VK2735, which delivered 9.8% placebo-adjusted (pbo-adj.) WL at 90mg in just 13 weeks in Ph2 VENTURE-Oral, roughly one-quarter the duration. Importantly, placebo cross-over in OLE incorporating 2.5mg lower starting dose (vs 5mg in ACCESS) underscored the low and go slow approach being incorporated with GLP-1(/GIP-1) drugs, which led to reducing Gl related AEs/ DCs in the OLE portion, including (1) nausea: 65.1% vs 50%, (2) vomiting 31.7% vs 18.4%, and (3) AE related treatment DCs: 11.1% vs 2.6%. We believe this not only bodes well for VKTX's Ph3 VANQUISH trials, but also for VKTX's maintenance trial, given the incorporation of a lower 1.25 mg starting dose below 5mg used in prior Ph2a trial, which could offset slightly faster dose titration. On amylin, ACCG-2671 delivered their first human data for an oral small molecule amylin, reporting a ~6-day half-life feasible for weekly oral dosing and 3.3% WL at top 10mg dose, but also a heavy single-dose Gl signal (100% nausea and vomiting at 10 mg [80% at 5mg] in lean healthy volunteers) that its ongoing 12-week Ph2a multiple ascending dose (MAD) titration must resolve. Understanding mixed comparisons, this contrasts peer Ph1 SAD trials, including LLY's subcu eloralintide reporting 16.7% nausea and vomiting, and 4.3% WL at day 22 on top 12mg dose, and LLY's small molecule orforglipron leading to 50% nausea and 67% vomiting on top 6mg dose. VKTX's own amylin, VK3019, initiated Ph1 SAD/MAD trials in 2Q, putting SAD topline and first WL data on track for YE26/early 2027, which could support early WL kinetics previously highlighted preclinically as besting VK2735. At ~$3.5B EV, roughly flat YTD versus XBI +34%, we continue to see an attractive setup into a dense catalyst path led by the 3Q26 maintenance topline
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boovalu23.base.eth retweeted
A homeowner thinks they saved $120 a month on electricity until they try to sell their house and discover a $38,000 lien at the closing table. Over 4 million American homes now have residential rooftop solar. Millions of those systems were not purchased with cash. They were installed under 20 or 25 year solar leases and power purchase agreements. The sales pitch you receive is simple: zero down, lower electric bills and clean energy. The title reality is brutal. When you sign a 20-year solar lease, the solar company files a UCC-1 financing statement against the equipment on your roof. It's recorded in the county land records and clouds the title. You do not own the panels, the solar provider owns them, and your roof is collateralizes to secure two decades of contract payments. Ten years into the 25-year lease, you decide to sell the house. The buyer's mortgage lender pulls title and discovers the solar lease. The lender requires the buyer to pay qualify for the house payment plus the $185 monthly solar payment. At current 7% interest rates, that extra $185 payment could easily push the buyer's debt-to-income ratio over the underwriting limit. The buyer tells the seller to transfer the lease to someone else, pay it off, or the deal is dead. The solar company will not remove the panels for free. They require a buyout of the remaining lease payments. With 15 years remaining on a contract with a 2.9% annual payment escalator, the buyout figure is $38,400. The seller sits at the closing table and watches that money get deducted straight out of their home equity proceeds just to deliver clean title to the buyer. The seller saves $1,400 a year on electricity for eight years, only to write a $38,400 check at closing. Can someone make sense of this to me?
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Rick Pitino was asked what stops people from being great. His answer was one word. "Ego stops greatness. I call it edging greatness out." "In a spiritual sense, ego is edging God out. But ego is edging greatness out." And he made a key distinction: "I'm not talking about confidence. You have to be a confident person." "But ego really gets you to where you think you've arrived. You think you know it all. You stop learning. You stop listening." That's the trap. Confidence keeps you hungry. Ego convinces you that you've already made it. You lose your hunger and humility. "Learning and listening are important for great leaders. Great leaders have to listen and they have to continue to learn and surround themselves with people that are better than them." EGO = Edging Greatness Out The moment you think you've arrived is the moment you stop growing. Stay confident. Stay humble. Never stop learning. (🎥@LewisHowes)
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boovalu23.base.eth retweeted
It has been popular the last couple of days to say that the IRGC is setting fed policy. But there is other data in the economy which is not explained by an oil shock. Bank of America shows its lower/ and middle-income customers' wage growth accelerating since the beginning of the year back to 4% or higher. Nominal retail sales control group, which excludes gas stations, nearly tripled its estimate. Corporate profits are up 22% year-over-year. There is more going on than Hormuz disruption.
If the Fed is hiking because of crude And Iran controls crude prices Iran is setting Fed policy
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boovalu23.base.eth retweeted
I strongly encourage everyone to read the speech that Chan Chun Sing, Singapore's Defence Minister, just gave in Beijing: it's basically the polar opposite of a Hegseth speech - immensely wise and a refreshing proof that thoughtful statecraft still exists. You can find the speech here: mindef.gov.sg/news-and-event… Below a summary of the best parts of the speech, in my opinion. Much of the speech addresses the crucial question of the so-called "security dilemma", a key concept in international relations theory whereby one country's efforts to make itself safer almost inevitably make others feel less safe, triggering a spiral where everyone ends up more insecure. As Chan Chun Sing puts it in his speech: "The true test of statecraft is this: how do we strengthen our own security without weakening the security of others, or without aggravating the insecurity of others?" He says there are "three fundamental principles worth bearing in mind" in this regard, but that, first and foremost, it raises the question of "what 'winning' means": to him, defining "winning" as "outgunning or outlasting a rival" isn't sensible, it ought to be defined as winning others through the "power of our example", rather than "the example of our power." It's extremely wise, when you think about it: do you actually "win" if you submit others by force, or do you merely prove that, for now, they simply lack the strength to resist? You've imposed your will, yes, but the principle you've imposed is that the strongest gets his way, and strength is expensive and it wanes. Chan Chun Sing quotes Mencius, the classic Chinese philosopher, to illustrate this: "Power may compel others to comply. But in the end, it is trust that truly wins others over" (which is a trimmed version of the true original citation: "Those who subdue others by force do not win their hearts; they submit only because their own strength falls short. Those who subdue others by virtue win hearts that are glad and sincerely submissive, as the seventy disciples submitted to Confucius," 以力服人者,非心服也,力不赡也;以德服人者,中心悦而诚服也,如七十子之服孔子也。) This is very core to Chinese strategic thinking (yes, Chan Chun Sing, as are most Singaporean leaders, is ethnically Chinese): the notion that legitimacy, not force, is the real currency of power. A state that has to coerce is following the "hegemonic way" (badao, 霸道) - which is brittle and unsustainable. The only sustainable long-term way to lead is the so-called "kingly way" (wangdao, 王道), where others follow you and emulate you voluntarily. Two concepts which incidentally come from Mencius too: "he who uses force while borrowing the name of benevolence is a hegemon (ba); he who practises benevolence through virtue is a true king (wang)." Concretely, Chan Chun Sing say that states should pursue the following 3 principles to apply this in practice. First of all, he points out that too many states "externalise domestic issues" as opposed to putting their own house in order. The idea being that a leadership confident at home doesn't need foreign enemies to hold itself together, and can therefore act in its "enlightened long-term interest" abroad. Whereby an insecure one uses foreign policy "for political gain." No prizes for guessing what country he is referring to here... The second principle is that "interdependence breeds stability" as opposed to being "a source of vulnerability." Which makes sense: mutual exposure turns competitors into stakeholders in each other's stability. Cut exposure in the name of "resilience" or "de-risking" and, really, the only thing you've achieved is to make confrontation and conflict cheaper. Lastly, and this is perhaps the most important principle: "first, do no harm." Chan Chun Sing again quotes famous Chinese sayings: "turn big problems into small ones, and small ones into nothing" (大事化小,小事化了), which is what happens when there's trust between states, versus "turn small problems into big ones, and make trouble out of nothing" (小事化大,无事生非), which is what happens when there isn't. The idea is that every unnecessary provocation, every "freedom of navigation" stunt, every gratuitous sanction is a withdrawal from a trust account that is very expensive to fill and, as he says, can be emptied "in a single instant." Chan Chun Sing ends his speech on what being a “responsible major country” - a key concept in contemporary Chinese international relations - means, and how, "the more responsible major powers are, the less concerned small countries will be." Besides the above three fundamental principles, he says that "strategic patience" is also crucial, defined as: "Not every capability needs to be advertised; not every advantage needs to be immediately pressed; and not every provocation demands an immediate response." In other words, true confidence doesn't need to prove itself and restraint is a form of strength: a great power that feels compelled to respond to everything is, in effect, letting its rivals set its agenda. And whoever needs to constantly show force is in fact projecting its own fear that without the show, nobody would believe it. As Margaret Thatcher once brilliantly put it (I hate to quote her but this is too good): "Being powerful is like being a lady. If you have to tell people you are, you aren't." That's it, if you want the rest, I truly encourage you to read the full speech: pure undistilled wisdom, from a man who runs the defence of a country smaller than Los Angeles and obviously understands power far better than the man in charge of the largest military on earth. Which is its own form of tragedy.
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boovalu23.base.eth retweeted
Gen X defined: Ages 45-61 Looks 35-40 Will 100% throw hands Doesn't care about your feelings Cusses a lot Will make you cry with words Great work ethic Pragmatic Zero tolerance for stupidity Skeptical of authority Doesn't trust anyone at 1st Extremely loyal friend Figures shit out Most likely your boss Works hard, plays hard No fear Sarcastic as fuck Still listens to the same music Knows lyrics to Rock, Rap & Country Proficient in analog & digital tech Self reliant Adaptable to any environment Just wants to be left alone
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boovalu23.base.eth retweeted
Watching the Bears offense vs watching the Bears defense
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boovalu23.base.eth retweeted
CONNOR FOR 1.2 MILLION DOLLARS 💰💰 ABSOLUTELY STROKED MIGHT BE THE BEST KICK WE'VE EVER HAD #CollegeGameDay
ONE MORE KICK CONNOR ONE MORE OPPORTUNITY #CollegeGameDay
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