[Dawn]

I agree with you 100%, Dolley. Pastor Rob McCoy sounds worse than a used car salesman with evil down his sleeves. He is a joke and Mikey McCoy is a homosexual who has had affairs with male staffers at Turning Point USA and is married to a woman. Based on the available information, I am providing an assessment of Pastor Rob McCoy’s comments about his son Mikey during the Charlie Kirk shooting incident.

Pastor Rob McCoy described his son Mikey as a “true leader” who was “directing, directing, leading, leading” and had “blood all over his body” immediately after the shooting of Charlie Kirk. However, video evidence does not support this account. The footage shows Mikey McCoy composed, turning away from the scene as Kirk fell, and not engaging with the victim or the situation. Analysts also observed that he brought a phone to his ear without dialing and then moved away from the incident rather than assisting.

This discrepancy between McCoy’s public statements and the visual evidence has led to significant criticism. Many observers, including those in conservative circles, have described his statements as an “embellishment of a proud father” rather than an accurate account. The controversy has raised questions about his credibility, with some expressing doubts about his integrity. Making easily refutable statements before a large audience suggests either a lapse in judgment or an attempt to create a heroic narrative for his son. This incident is consistent with his previous controversial and politically charged behavior, which has brought increased scrutiny to his actions and statements.

https://www.youtube.com/watch?v=4M5ii8A7CzQ

[Dawn]

As of now, President Donald Trump’s expected tariff check to offset the newly proposed $2,000 in additional tariff checks will be distributed to some middle-income individuals. However, income caps, legislation, tariff checks, and legal oversight must be completed before the distribution of checks begins.

Tariff Check Eligibility

Recent data suggests the eligibility of some middle-income individuals to receive the $2,000 tariff checks will be as follows:

• As an individual (single filer), those making $75,000 per year will receive checks.
• For married individuals, Filing as Married Jointly: For income under $150,000 per year, the full $2,000 will be distributed to each spouse, totaling $4,000 as a married couple filing jointly.
• As such, a married couple filing jointly with an income of less than $150,000 will receive $4,000 in tariff checks.

Application to Specific Scenarios

• For example, a worker with a spouse staying home and not working has a combined income of $150,000.
• Based on the proposed system, this couple should receive a total of $4,000, assuming they each receive $2,000 and their combined annual income is less than $150,000.
• However, just like the stimulus checks from the previous years, these checks are also subject to legislation and IRS rules and guidelines after Congress reviews the plan and gives it the green light.

Important Caveats

There are still rules concerning eligibility and the application process, and these are being refined as the cuts still require input from the legislature and the Treasury. There may still be changes before it is possible to make any payments, and there are legal challenges possible.

• Proposed income caps follow the same structure as stimulus checks from the past, but there is still much to be determined and confirmed by legislation.
• If the threshold for married joint filing is set high, nearly all working families with a joint income under $150,000 will be covered, but we still don’t know this for certain, especially if there is one spouse earning the income and the other is a homemaker.
• If you’re married filing jointly with a combined income of $150,000 or less, expect (should the proposals pass) to receive two checks worth $2,000, one for each adult.
• There are likely to be checks for those earning more than $150,000, but only partially, as the benefits will phase out as income levels increase.
• More detailed information is expected to be released, but it will be contingent upon congressional input and action.

For the most accurate outcomes after the legislation is finalized, it is best to follow official guidance from the IRS and the Treasury.

https://www.youtube.com/watch?v=xFtjUz6iBqg

[Dawn]

I like to thank President Donald Trump for cleaning up the political system of the United States. I know deep inside my heart that President Trump really cares about our county, the United States of America and the American people. The United States is so politically divided and the political system has gone out of control with many politicians utilizing their power and abusing it to enrich themselves like insider trading, taking bribes from big pharma, and corporations as well as lobbyists. I think President Trump is a Godsend to clean up American and fix corruption and get rid of the bad apples from all federal agencies as well as political corruption from federal, state, county, and city government. President Donald Trump also promotes 50 year mortgages due to make homeownership affordable and has instituted tariff revenue by implementing tariffs to companies who do not benefit U.S. workers. It is a Godsend that President Donald Trump is promoting a $2,000 tariff check to American workers who make under $100,000. Does anyone know if the $2,000 tariff check applies to each individual worker or how about married folks who file income tax jointly? Will the tariff check cover joint income tax filers who are married and cap out at $200,000? The media is not clear on that? If you can clarify the amount of tariff check for married joint income tax filers? For example, if a worker makes $150,000 and the spouse is a non-working homemaker. Thank you in advance.

https://www.youtube.com/watch?v=rdsdIrhCxYQ&list=RDNSrdsdIrhCxYQ&start_radio=1

[Dawn]

Online commentators Ian Carroll and Baron Coleman go over the timeline prior to Charlie Kirk’s shooting showing suspicious Google searches, many originating from Israel, Washington D.C., and Huntsville, Alabama. The searches reportedly included names of hospital staff, lawyers, police officials, and even the address where the gun was later found—occurring days or weeks before the incident. Jimmy highlights that one search from Israel targeted Hunter Kozak, the student who questioned Kirk just before the shooting and appeared to rehearse his shocked reaction in a viral video. He and Americans’ Comedian Kurt Metzger argue that these patterns suggest foreknowledge or coordination and mock mainstream media for ignoring such findings.

https://youtu.be/gN4NAqeBeCc?si=LLhuTuFixn4LZzHc

[Dawn]

LIVE Silver Market Report – 10/17/25

Silver’s Spike and Snapback: the Correction’s Meaning

Having risen to over $54/oz, silver has gone to $54/oz and pulled back to the $52/oz level after trading up to $54.47 on the same day. News reports yesterday confirmed this. Silver has encountered some resistance and pulled back. As it stands now, vendor prints and day ranges are unidirectional, and therefore, the end result is silver is on the give back from $54. It is important to note that silver is correcting from the all-time highs after a vertical run.

LIVE Snapshot

• Silver is changing hands for 51.8:52.20, was as low as $50.65, and attempted to touch 54.47.
• Silver has pulled back a staggering 4 to 5 percent, exhibiting weakness off the prior session range or settling.
• Multiple reputable services reported new highs, breaking $54/oz this week and during the week.
• You will see differences in real-time silver market feeds, self-cited in credibly robust sources.

What Explains the Silver Run

The swift acceleration in silver demand is due to the growing interest from investors, coupled with the undersupplied market.

• 2025 is now projected to see a substantial market deficit, the fifth in a row, with demand for industrials reaching unprecedented levels.
• These are the very same groups that forecast the silver market for a supply deficit of the said year.
• There is a growing share of demand for electronics from solar photovoltaics, with 2024 estimates indicating the latter will constitute around 17% of the total demand for the electronics market.
• Sluggish Supply/Inventory Strains: Recent coverage highlights tightness in London, unusual premiums vs. COMEX, and elevated lease/borrowing rates.
• All highly unusual and consistent with a market in trouble.

Today’s Correction: Healthy Shakeout Or Top?

• Corrections after vertical breakouts are normal.
• In today’s pullback, spot is still well above last month’s levels.
• The Underlying Rate Structure provides a two-way market (buyers defending $51, sellers fading $54–55).
• From the short-term perspective:
• Bull Case: Deficit narrative, continuous PV demand, plus safety in the unending macro mix.
• Bear Case: Positioning became crowded.
• Volatility spikes will flush bârrkep leveraged long positions and will easily and quickly depress silver.

“$100 Silver By Year-End”? What Needs To Happen?

• Setting a $100 price with nearly a double from the week’s high requires no less than numerous interrelated events all happening synchronously:
• The first is systematically persistent global physical tightness (from premiums to lease rates, even delivery systems under severe strain).
• Next, the second is a mover-shaker (larger than the expected vigorous Fed easing, with a sorry dollar and risk shocks) to keep the gold positions burning hot.
• Demand in price-sensitive segments (jewelry/consumer) has not been destroyed, even with higher costs, and there has been no quick response from the mine / secondary supply side.

Feasible? It’s not impossible, but it is not very nice. High-quality houses have floated bullish medium-term targets, but more Mainstream outlooks, nearer term, are less extreme than $100 by December. Treat the $100 call as a tail-risk upside scenario, not a base case.

Is Silver Still A “Screaming Buy” After The Pullback?

Depends on your time horizon and risk tolerance.

Here’s a simple framework.

For Long Term Accumulators (1-3+ years)

• Thesis: The multi-yearicit + e,ctrification/PV demand, and de-globalization hedges all support higher equilibrium prices than in the 2010s.
• Approach: Scale in on red days/corrections.
• Focus on Physical or fully funded positions rather than leverage.
• If permitted to take on equity risk, diversify between bullion as well as quality miners or royalty names.

For Traders (days-weeks)

• Reality Check: The 50-55$ per ounce zone is now highly volatile, and the price is extremely volatile.
• Respect intraday ranges and liquidity pockets around the prior highs.
• Risk Controls: Implement position sizing, hard stop losses, and avoid over-leverage.
• The liquidity of silver vs. gold means slippage and gaps can be vicious.

For Income Sensitive & Lower Volatility Investors

• Silver is not a screaming buy if drawdowns over 10–15% in hours are unacceptable.
• Rather, a speculative satellite at best.
• Look for staggered buy opportunities or wait for base-building above prior Support.

Key Levels and Focus Areas (Text Only)

• Immediate Support: $50–$51 (psychological round number + low range for the day).
• A break could be more severe than a simple, deeper shakeout.
• Resistance (area of supply): $54–$55 (the zone of the record where sellers faded today).
• A daily close above could reignite the muscle.
• Stress gauges for the market: London vs COMEX Premium (if it widens again, it tightens).
• Lease/borrow rates & backwardation (signs of physical scarcity).
• Surveys & producers of PV demand updates and mine/secondary supply.

Bottom Line for Today

• Live: Silver is correcting from this week’s> $54/oz records and currently sits around the low–$52s.
• Interpretation: This looks like a volatility reset under the still-bullish medium-term backdrop (deficits + electrification demand), but the $100/oz by year-end call remains a high-bar upside scenario, not the base[case].

https://www.youtube.com/watch?v=Ir11IsmleJk

[Dawn]

Buying a home with a credit score as low as 500 is possible and relatively manageable. However, the options are limited, and the terms might be less favorable. Below are a few options based on the common types of home loans available.

FHA Loans

• If you have a low credit score, this is the most easily accessible choice.
• The Federal Housing Association (FHA) is more lenient, considering a borrower with a score of 500 and offering a 10% down payment or 580 with a 3.5% down payment.
• Lenders will still impose more stringent guidelines, such as a 620 minimum credit score, which will also mean a higher interest rate and higher premiums for insurance on the loan and the mortgage itself.

VA Loans

• VA loans are available to active-duty military members and veterans.
• They have some favorable terms, as there is no minimum credit score.
• However, most lenders will impose a 620 requirement.
• Some lenders, however, go lower to 580, and attributing this to a 500 score is not working.

USDA Loans

• USDA loans are available for individuals looking to buy a home in the countryside.
• The most common requirement is a credit score of 640 or above.
• However, a few lenders are more lenient with that requirement, with some stabilizing compensating factors.
• A credit score of 500, on the other hand, is usually considered deficient.

Conventional Loans

• These are the most accessible options, as there is usually a requirement of 620 or above.
• Hence, attributing it to a score of 500 will not suffice.

Non-QM Loan or Any Other Subprime Loan

• Loan providers often take extreme risks by providing Non-QM Loans to people with as low as 500 credit scores.
• These loans usually have higher interest rates, stricter debt-to-income (DTI) ratios, and larger down payments (10-20%).
• Portfolio loans or programs by specialized lenders are examples of their breed.

Additional Suggestions

• Secondary Signer: Someone with better credit health can greatly bolster your chances of getting housing financing.
• Rent-to-Own: Some sellers are more flexible with credit checking and, as such, offer these potential borrowers rent-to-own housing opportunities.
• Credit Repair: Paying debt, working with credit counselors, or removing verified errors on a report can all help you monitor your report and, as such, boost your score.

Impacts of Operating with a 500 FICO Score

• Interest rates and lending fees are usually higher.
• The lender options are almost always limited.
• DTI (without DTI, loan approvals are nearly impossible) is stricter on ratios, almost always below 43%.
• A down payment, larger in size or value than others, is most often required.

What Needs to be Done

• Look for FHA-approved lenders willing to take on scores less than 580.
• Look closely at first-time home buyer programs; some may have generous score qualifications.
• Aim to understand your borrowing ability. For that purpose, getting a pre-approval can be a good start.
• If your credit score is low or less than stellar and you are looking for a loan, consider approaching a mortgage broker specializing in that area.

Buying a home with a credit score as low as 500 is possible and relatively manageable. However, the options are limited, and the terms might be less favorable. Below are a few options based on the common types of home loans available.

FHA Loans

• If you have a low credit score, this is the most easily accessible choice.
• The Federal Housing Association (FHA) is more lenient, considering a borrower with a score of 500 and offering a 10% down payment or 580 with a 3.5% down payment.
• Lenders will still impose more stringent guidelines, such as a 620 minimum credit score, which will also mean a higher interest rate and higher insurance premiums on the loan and the mortgage itself.

VA Loans

• VA loans are available to active-duty military members and veterans.
• They have some favorable terms, as there is no minimum credit score.
• However, most lenders will impose a 620 requirement.
• Some lenders, however, go lower to 580, and attributing this to a 500 score is not working.

USDA Loans

• USDA loans are available for individuals looking to buy a home in the countryside.
• The most common requirement is a credit score of 640 or above.
• However, a few lenders are more lenient with that requirement, with some stabilizing compensating factors.
• A credit score of 500, on the other hand, is usually considered deficient.

Conventional Loans

• These are the most accessible options, as there is usually a requirement of 620 or above.
• Hence, attributing it to a score of 500 will not suffice.

Non-QM Loan or Any Other Subprime Loan

• Loan providers often take extreme risks by providing Non-QM Loans to people with credit scores as low as 500.
• These loans usually have higher interest rates, stricter debt-to-income (DTI) ratios, and larger down payments (10-20%).
• Portfolio loans or programs by specialized lenders are examples of their breed.

Additional Suggestions

• Secondary Signer: Someone with better credit health can greatly bolster your chances of getting housing financing.
• Rent-to-Own: Some sellers are more flexible with credit checking and, as such, offer these potential borrowers rent-to-own housing opportunities.
• Credit Repair: Paying debt, working with credit counselors, or removing verified errors on a report can all help you monitor your report and, as such, boost your score.

Impacts of Operating with a 500 FICO Score

• Interest rates and lending fees are usually higher.
• The lender options are almost always limited.
• DTI (without DTI, loan approvals are nearly impossible) is stricter on ratios, almost always below 43%.
• A down payment, larger in size or value than others, is most often required.

What Needs to be Done

• Look for FHA-approved lenders willing to take on scores less than 580.
• Look closely at first-time home buyer programs; some may have generous score qualifications.
• Aim to understand your borrowing ability. For that purpose, getting a pre-approval can be a good start.
• If your credit score is low or less than stellar and you are looking for a loan, consider approaching a mortgage broker specializing in that area.

https://gustancho.com/illinois-mortgage-with-bad-credit/

gustancho.com

Illinois Mortgage With Bad Credit Mortgage Options

Homebuyers can qualify for an Illinois Mortgage With Bad Credit with outstanding collections and credit scores down to 500 FICO

[Dawn]

As I contemplated moving out of Chicago after 20 years of renting and wanting to purchase my first home in a suburb that has great value, low crime, good schools, green space, low property taxes, and easy access to expressways and highways, this was what I was able to put together in my report.

Though the prices of houses within the suburbs of Chicago are increasing, they are still significantly less than houses within the city limits. As of April 2025, the median sales price for detached single-family homes in the suburban region was roughly $405,000, a 5.2% increase from the previous year. Chicago’s median home price, which is approximated to be about $311,000 to $362,500 depending on the pricing, is surpassed by this price as the Chicago city homes are rapidly being sold in premium areas and are selling for a much higher price.

Some of the highly sought-after, family-oriented suburbs that offer a ple, wonderful value for the price are:

Hinsdale, Illinois

• Relatively one of the more expensive suburbs with home median prices hovering around $1.2 million, and is characterized by spacious and luxurious homes, with the region being crime-free, and highly rated schools.
• It is a much-desired area for families looking for community and a luxurious lifestyle.
• The community has easy access to the I-294 and I-88 highways, making commuting easier.

Kildeer and Hawthorn Woods, Illinois

• These two suburbs have median home prices in the $700,000 range and offer quality housing.
• They accommodate family-friendly amenities like public schools rated A+ and expansive greens and parks.
• Expressway access via I-90 and I-94 makes these suburbs desirable.
• They are relatively safe communities with abundant wooded lots and affordable housing.

Naperville, Illinois

• Housing prices range from $470,000 to $530,000, which aligns with safe and great public amenities and schools.
• It is a family-friendly suburb with great public schools.
• Naperville offers easy access to I-88 and I-355 expressways.
• There are also Metra trains available for commuting to the city.

Clarendon Hills and Western Springs, Illinois

• These two suburbs are smaller with median home prices now falling in the $400,000 – $450,000 range.
• The pace of life is slower with these.
• Politically, they are moderate with some conservative leanings, which aligns with the less liberal local governance people want.
• They also provide low crime and abundant parks for recreation.
• They’re also conveniently located near the I-294 and I-55 expressways, making traveling to and from Chicago and the surrounding suburbs easier.

Lake Zurich and Libertyville, Illinois

• Lake Zurich and Libertyville offer home prices around the mid-$400,000 mark, balanced school systems, and low crime rates.
• Each boasts multiple parks and recreational areas and easy access to I-90 and I-94, making them more convenient for commuting.
• Libertyville itself is known for its balanced political atmosphere and community-oriented living.

Vernon Hills. Illinois

• Median prices around $420,000, coupled with great schools, low crime, and many parks, make Vernon Hills a favorite.
• It is balanced politically and provides quick access to I-94 and a growing retail and dining scene.

Channahon, Illinois

• Channahon is more spacious and has a slower-paced lifestyle outside the metro area, but it is still well-connected via I-55.
• It offers affordable housing from $350,000 to $400,000, great schools, low crime, and tremendous growth potential.
• While the area is more rural, it still offers strong amenities.

On the other hand, property taxes are reasonable in many of the suburbs listed, either lower than or comparable to the city of Chicago, which has relatively high property taxes. Lower crime rates and better schools are consistent across the suburbs. Each has received high grades from various sources, with many receiving A’s and A+’s from Niche.com on school and community safety.

Suburbs like Hinsdale, Naperville, and Western Springs usually take less than 45 minutes to reach downtown Chicago, especially when Metra and the expressways are used.

As for the other suburbs, Hinsdale, Naperville, Kildeer, Hawthorn Woods, Clarendon Hills, Western Springs, and Lake Zurich are the most popular choices for this market. This is because they offer affordable housing ranging from the mid-400k to 1.2 million, depending on the area, strong public education, lower crime rates, a fair amount of green space, less liberal control governed by the local authorities, and quick access to the expressways.

Although competitive, this market is less overheated than other larger metropolitan cities. Homes in the suburbs listed above remain on the market for 36-46 days, giving buyers time to consider purchasing.

For your next home purchase, you are looking for a desirable suburban area with a reputable place for families. According to the 2025 real estate market data, these suburbs offer the best value, lifestyle, and convenience.

The following data presents a snapshot of the most relevant Chicago suburbs for purchasing a single-family home in 2025, considering your preferences and area market statistics.

If you are looking for spacious houses cheaper than in Chicago with excellent schools, lower crime rates, lower property taxes, ample greenery, better conservativism, and easy access to expressways, the following suburbs are worth considering based on the 2025 community and real estate data.

Hinsdale offers larger properties with median home prices of $1.2 million and the most luxurious houses for those wanting larger properties. It also has higher education institutions, a lower-than-average crime rate, and easy access to green spaces. The schools offer a higher-level education and are rated A+. The area offers access to I-88 and I-294 and has conservative rules. It also offers access to expressways in the area. The town, while conservative, is affordable compared to Chicago.

Kildeer and Hawthorn Woods have A-rated public schools and large wooded outdoor areas. The houses are both estate homes and are around 700,000 dollars, with a lower-than-average crime rate and large areas of greenery, golf courses, and parks. Kildeer accesses the I-90 expressway while Hawthorn Woods is closer to I-94, making them ideally positioned for larger cities.”Naperville” is a suburb like no other, with its homes ranging from $470k to $530k. It has vibrant schools and is quite safe. With its access to I-88 and I-355, commuting is manageable. There is also a Metra rail. Naperville is fairly moderate and is less liberal than Chicago.

Clarendon Hills and Western Springs balance affordable home prices with quality schools, with median home values of $400k to $450k. Both towns have very low crime rates, too. It’s Worth noting that they have a slightly conservative local government. There is also easy access to I-294 and I-55, which connect to Chicago and other suburbs.

Lake Zurich and Libertyville have median home prices in the mid $400k range. They have great schools, low crime, and many parks. Access to I-90 and I-94 is easy. Their political climates are very family-friendly.

Vernon Hills has median home prices of $420k. It has strong schools, low crime, and many parks. It is the most politically balanced city, and I-94 is great for commuters.

The Channahon area is more affordable and semi-rural than the rest of the metro area. Homes in this area are typically priced between $350,000 and $400,000. Located away from the hustle and bustle of the city, the town features generous open spaces, good schools, and very convenient access to I-55.

Property Taxes & Affordability

• The property tax rate is lower and more competitive when compared to the city of Chicago.
• This lower cost naturally makes the home more appealing due to the cost efficiency.
• The home price in the area is a stark contrast to the median home price in Chicago, which is $311,000-$362,000.
• This suburban home is priced $400,000-$1.2 million, depending on the neighborhood and other features.

Homes in the area are expected to be on the market for 36 to 46 days. This proves the area is steady and stable, yet calmer than in previous years.

Safety & Schools

Public schools are well rated in these suburbs and typically around an A or A+ level, which, along with the low crime rate, makes these areas very appealing for families.

Vacation & Nature

Suburbs with the I-55, I-88, I-90, I-94, and I-294 all offer very appealing features for commuters, especially with the short 45-minute distance to downtown Chicago or nearby business areas. Family-friendly, these suburbs have parks, trails, golf courses, and other outdoor features that offer very leisurely activities.

Provide a range of budgets and/or specific comparisons of school districts, and I will generate custom analyses about what you can do financially and what you want to do in life. This will narrow down the targets to areas that meet with actual pricing and community profile data for 2025.

https://www.youtube.com/watch?v=QhVRfbcivWo

[Dawn]

Having space property, especially lunar real estate, still seems like something from a science fiction novel, but it is becoming closer to reality as both countries and private enterprises pursue their dreams beyond Earth. International agreements like the Outer Space Treaty and the more recent Artemis Accords provide a structure, but there is no doubt that there is still a fog of legal uncertainty.

As of now, the U.S. law, especially the Commercial Space Launch Competitiveness Act of 2015, allows private U.S. citizens and corporations to have proprietary rights over the minerals and resources that can be mined from space, however, does not grant territorial ownership of the Moon and the other planets. The Artemis Accords, which as of 2025 is signed by over 50 countries, delineates safe operation areas and rights to shield lunar bases or beyond from interference, which is a crucial step for future solar system colonization.

If living on the Moon can be made possible, the ownership of space property to include possession, selling, and mortgaging space real estate will become necessary to comply with and be resolved. Dispute and market development for space resources will not be able to do so without laws governing the transfer of lunar property between nations and corporations.

No, property rights in space have a different character than traditional land grabs. However, with expanding commercial activities, it will only be a matter of time before lawmakers have to deal with property, mortgage, and ownership issues on the Moon, asteroids, and beyond. The increasing involvement of private enterprises suggests that someday, the mortgage industry will be the first to unlock the off-world marketplace—opening up resources and possibly, lunar real estate for the future.

In short, sustainable lunar living is a logical and achievable prospect. Creating clear guidelines for property rights, transfer, and protection will enable individuals and mortgage industry players to capitalize on the burgeoning field of space real estate.

[Dawn]

What is going on with the mass number of politicians getting criminal referrals on mortgage fraud allegations? You have New York Attorney General Letitia James, Baltimore District Attorney Marilyn Mosby, California Senator Adam Schiff, and Federal Reserve Board Member Lisa Cook. Are there any more public figures charged with mortgage fraud that I do not know about? Can you please give us a comprehensive overview and explanation of all those charged with mortgage fraud? Releasing these names and the type of mortgage fraud may deter others from doing the same and learning from the allegations of political and celebrity figures charged with mortgage fraud.

https://www.youtube.com/shorts/6UBz8IxSinA