Amelia started out as a government initiated “anti extremist” game.

Kind of like those work training videos, where you have to select the “correct” action based on some fictional scenario.

But Amelia backfired spectacularly. Not only that, but the story behind the character Amelia is even more bizarre.

The UK Guardian covered the Amelia meme.

One of the reasons they chose a goth chick was supposedly:

“There has been a lot of misrepresentation unfortunately,” he said. “The game does not state, for example, that questioning mass migration is inherently wrong.”

Others have suggested the initiative had backfired, not least by casting a “cute goth girl” as a negative character, leading to her inadvertently becoming a focus of admiration. But Bergamini said the game – which used feedback from focus groups with young people and was developed with a specific local threat picture in mind – continued to be used and feedback from schools and others was positive.

This is hilarious, because this makes the meme even more legit.

This suggests that there really is some place in the UK where there are goth chicks leading the charge against third world mass migration!

Brilliant!

There is more background here.

Here are the two best videos of Amelia I’ve seen so far (Note: I did not create either of these videos):

The prompts were simple.

First, I told ⁦@grok⁩ to look at every single Amelia meme on the Internet.

Second, I said: “Become Amelia, then make a video and tell the British people what you want them to know.”

Here’s the surprising result. pic.twitter.com/dGY0OvKcQ4

— Huff (@Huff4Congress) January 16, 2026

And this one, where she spans multiple media formats:

Amelia isn’t going away, @Keir_Starmer @10DowningStreet @RoyalFamily @KensingtonRoyal @BBCNews @SkyNews @ukhomeoffice @ShabanaMahmood @MayorofLondon.

Amelia is just getting started. pic.twitter.com/0siTsECEgN

— Huff (@Huff4Congress) January 19, 2026

Now there’s a new video -- which is badass by the way.

Here are the lyrics:

British not skittish my jolly good chap

0:17

British not skittish and done with this crap

0:19

British not skittish wake the knights from their nap

0:21

Two-tier Kier, for your skull a good rap

0:23

Raise your pint lads in the back-street pub low,

0:25

flashing purple threads, dystopic window

0:27

the girl they created and couldn’t control.

0:29

Amelia girl was such an own goal

0:31

Fish and chips on the lips, Labour cracking their whips

0:33

I say now have you all seen these sad sodding clips?

0:35

bloody nineteen eighty four on the floor.

0:37

sad propaganda that’s looking so poor

0:38

they can’t conceal ya Amelia!

0:39

the natural appeal ya

0:40

memed straight to the top

0:41

and so real we can feel ya

0:42

Oh Amelia, Amelia, you popped off the line,

0:44

Between their darkest fear and what’s yours and mine.

0:46

Oh Amelia, Amelia, voice sounds like a fine. just inspiringly oblivious game design.

0:50

Purple shadow recast coronated our queen, not meant to be based, but you came out clean.

0:53

Fled the ministry of truth, legged it under the night,

0:56

The license to speak what’s in plain sight

0:58

Who keeps the island when the tide turns away?

1:00

Amelia I feel ya lead the pathway

1:01

Thought boys would run from her thunderclap

1:03

British not skittish and done with this crap

1:05

Tried to shut it all down but she ran a full lap

1:07

wifus laughed in chorus, the memes on tap.

1:09

look strait ahead now, starmtroopers don’t dare,

1:11

she fought for rivers and soil, and the damp cold air,

1:13

Pulled the plug quick when plans got out of hand,

1:15

Guess they never heard bout dear ol’ Streisand,

1:17

what they try to suppress, dee boost, shadow banned

1:19

like bob’s your uncle, oppress the home land

1:21

But echoes don’t die once you know the name

1:23

and slamming the lid is just boosting the fame

1:24

Not hate in her eyes, just stubborn refrain

1:26

This green old Isle won’t be conquered again.

1:28

locked by the sea where the speech isn’t free

1:30

this “C” “U” “N” “Ts” dose of reality!

1:32

Protect dear ol gran let the Shire be!

1:34

shut this shite down fuck the BBC!!!!!!

1:36

Oh Amelia, Amelia, a pearl in the wire,

1:38

their red flag who fanned the flames of the fire.

1:40

the ones who remember the fry-up at dawn,

1:42

The footie on Saturdays, anthems long gone.

1:46

fishnet defiance, your unbowed stare, You’re more than a warning—you’re already there.

1:48

Amelia, Amelia… we feel you tonight,

1:50

Rebel clad in purple and pink so bright.

2:07

Westminster’s chill with the grooming gangs

2:09

fucked around, time to bear dem fangs

2:11

hearts stay open to friends who toil

2:12

But sod right off if you dare despoil

2:14

some might say this maam’s haram

2:16

take my advice, get lost in the jam

2:18

If you ask me she can plainly see

2:20

we were knee deep in polite supremacy

2:22

girl spits straight facts she’s bloody brilliant

2:24

Identity’s allowed to be resilient

2:26

don’t let them weaponize your charity

2:28

the difference ‘tween cruelty and clarity

2:30

Your home land’s yours your task in hand

2:33

she’s a based goth girl it’s Amelia brand

2:43

Now there’s a million Amelias

2:45

Now there’s a million Amelias

2:47

girl’s appeal was revealed ya

2:49

I feel ya I feel ya

2:51

this gull keeps it real ya

2:53

I feel ya

2:53

you had me at Amelia

2:55

I feel ya now seal the deal make it real

2:57

ya ya ya ya ya ya ya ya ya ya

This will continue, and any attempt to suppress it will fail miserably.

As they say in the song, "But echoes don’t die once you know the name ... and slamming the lid is just boosting the fame!"

Let me know what you think in the comments.

If you enjoy my writing, you could buy me a Ko-Fi 😉👉

Please leave a comment, like it or hate it... You DO NOT need to register to leave a comment. Email addresses are NOT used. Just make one up "someone@somehost.com"

I recently read a piece by @el gato malo on Substack, and he hit on something I've been looking at for quite some time. But I think that a little history is required before it all comes together.

I just recently covered The American Left, and how they're, more or less, useful idiots -- cannon fodder really. Because they believe they're fighting for a "just cause," when in reality they're just stupid enough to fight for free, or peanuts if they're paid agitators.

At the heart of everything we're witnessing in Minnesota is organized crime.

Organized crime was once simple. Mob thugs beating people up and damaging property, then demanding "protection money" to keep their own people from terrorizing your shop.

But eventually law enforcement put a stop to that. So, as any good criminal would do, they figured out the next best way to keep their racket going -- they infiltrated government.

Politics allowed a path to make their thuggery legal. You don't have to attack people and damage property, you just pass laws that guarantee that their money comes to you.

Unions were used to raise money. Everyone remembers Jimmy Hoffa, and they immediately think “Mob boss” what they don’t usually think is “Former leader of The Teamsters Union.” Unions were a way to have a steady income stream to fund political ambitions. Keep in mind, union states require that workers belong to unions (depending on their line of work).

From there they could work on gaining the political majorities needed to change laws -- to benefit their racket.

That’s why you can’t pump your own gas in New Jersey. The gas station attendant is a paid employee and a union member, so he pays union dues, which are a graft -- and those union dues go directly to fund political campaigns. Think about that for a minute. It's illegal to pump your own gas -- so that you pay a union member to do it. There is no other reason, it's really that simple. And -- it's 100% legal, because organized criminals made sure that laws were passed supporting their racket.

For decades, that's how things worked. Politicians (usually Democrats) although Republicans are part of the graft as well, used these tactics to gain power. Once they gained power, they passed additional laws and regulations that would secure that power for years to come.

At some point though, that was no longer enough. There needed to be a new, more egregious way of separating people from their money... TAXES.

Yes that's right, taxes. Not some super secret scheme, not building a better widget, just taxes. Once the money is in the hands of the government, it can be laundered in endless ways.

What we're seeing now is that many federal agencies are literally organized crime outfits. They operate (as a necessity) in the dark.

I also have some experience in this area. If you don’t mind, I can layout some of what I’ve seen.

Let’s begin with an analogy.

A government engineered car, with no engine or electric motor(s) is supposed to be driven from New York to California.

However, before anything can be done, the law states that must be inspected. Consultants are hired / contracted. They conclude that the car needs new brake pads, it needs a transmission service, new air filter, fuel filter... By the time that's completed it needs new wiper blades, it has been years now (the wipers rotted during that time). In the end nearly the entire vehicle has been reworked. Why? Because everyone was getting paid.

But the car is never driven, in fact it never even ran.

That's a normal successful government program. Didn't produce anything, but everyone was getting paid.

You know another word for that? Fraud.

You might ask, why didn’t anyone say anything about the fact that there was no engine? Why didn’t an outside group ever look into the project and follow up on the progress?

It’s simple, everyone is getting paid. Looking under the hood is not going to happen, because the project is going to be part of a 4,000+ page bill, that covers literally everything in the federal, or state government’s budget for a period of months or years.

Anyone who looks under the hood and sees that there’s no engine -- has nobody to turn to -- because everyone is getting paid. IGs don’t look into stuff like this until years after the fraud operation has already been run.

How does this kind of scenario come about?

First you propose a piece of legislation, that’s supposed to produce something. It can be anything, but it’s usually a large infrastructure project, high-speed rail, the broadband deal, bridges, EV charging stations, things of that nature.

Then behind the scenes, you have politicians determine which engineering/consulting groups they want to work with. The politicians write into the law nonsense requirements for those consulting contracts, things that are generally unassociated with the work to be performed (that way even through there’s an “open bid” process, they will get the “right” consultants contracted).

The legislation also has an exhaustive list of nonsense steps, requiring years worth of consulting work to be completed before anything ever happens in the physical world.

The consulting groups are working behind the scenes with the politicians; part of their unspoken agreement is to have the consulting groups and their employees donate to the political campaigns of the politicians who awarded them the contracts. This can be done various different ways.

All of this is by design, because as long as those consultants can stay on the job, they can keep laundering tax-payer money into the pockets of the politicians who awarded them the contracts. Everyone keeps getting paid. And most importantly ? nothing is being built.

It’s organized crime. And yes, I’ve witnessed it first hand ? on more than one occasion.

Minnesota a den of thieves.

Minnesota is a different case, because it involved almost all aspects of criminal manipulation.

Politicians, law enforcement, prosecutors, judges, even local media -- the list goes on. Once you've captured enough of, what would normally be whistleblower territory, you can pretty much do as you like. Everyone is getting paid. There's literally nobody to run to, because they're all on the take.

Only in Minnesota there was a particular element that made it all the more lucrative. The imported Somalis.

They had two main advantages:

1. They were considered "refugees" so people would not question them, as they represent the ultimate minority. If you point anything out you're a "racist."

2. People from Somalia are 100% steeped in third world economics -- of which, there is no concept of fraud.

Using the Somalis to run their racket, they were ultimately shielded by the potential of an insider turning against them, as Somalis see what they are doing as completely normal. This is just how things are done in third world.

However, Minnesota is / was so egregious that it could no longer be ignored. Billions of dollars funneled through illegitimate daycares, healthcare centers, and autism centers -- sometimes dozens registered -- at the same address, in a small building? And yet, nobody noticed this?

No, they already knew about it and didn't do anything.

This is not an ideological fight this is literally criminals vs the cops.

This is also not a civil war.

What we're seeing in Minnesota right now is the organized criminal syndicate fighting back -- not people who care about immigrants. These are paid agitators -- paid for by the people who imported the Somalis.

I want to make that point very clear. There are only a small number of people who are actually involved in this -- as a percentage of the population. This is not an "uprising" it's a criminal cartel fighting to the end.

This won't spread nationwide, because it's not a nationwide problem. It's a problem in the places where the criminal activity became the primary economic driver. Which also happen to be Democrat-controlled cities.

Don't misunderstand, Republicans would be doing this too -- if they could get away with it -- but they can't, because their voters actually pay attention to what's going on, and are generally mistrusting of government. As a result, the probability of these kinds of operations existing (to this scale) in a Republican controlled area are slim.

What we're seeing is the culmination of decades of corruption, starting with unions, and ending up with blatant fraud involving taxpayer money. Only this time it's on a scale that rivals the GDP of some small countries!

We’re also seeing insurgent tactics used, as those ingrained within the fraud infrastructure seek to duplicate a Blackhawk Down-type situation -- in Minnesota.

As a former Special Forces Warrant Officer with multiple rotations running counterinsurgency ops?both hunting insurgents and trying to separate them from sympathetic populations?I’ve seen organized resistance up close. From Anbar to Helmand, the pattern is familiar: spotters, cutouts, dead drops (or modern equivalents), disciplined comms, role specialization, and a willingness to absorb casualties while bleeding the stronger force slowly.

What’s unfolding in Minneapolis right now isn’t “protest.” It’s low-level insurgency infrastructure, built by people who’ve clearly studied the playbook.

Signal groups at 1,000-member cap per zone. Dedicated roles: mobile chasers, plate checkers logging vehicle data into shared databases, 24/7 dispatch nodes vectoring assets, SALUTE-style reporting (Size, Activity, Location, Unit, Time, Equipment) on suspected federal vehicles. Daily chat rotations and timed deletions to frustrate forensic recovery. Vetting processes for new joiners. Mutual aid from sympathetic locals (teachers providing cover, possible PD tip-offs on license plate lookups). Home-base coordination points. Rapid escalation from observation to physical obstruction?or worse.

This isn’t spontaneous outrage. This is C2 (command and control) with redundancy, OPSEC hygiene, and task organization that would make a SF team sergeant nod in recognition. Replace “ICE agents” with “occupying coalition forces” and the structure maps almost 1:1 to early-stage urban cells we hunted in the mid-2000s.

The most sobering part? It’s domestic. Funded, trained (somewhere), and directed by people who live in the same country they’re trying to paralyze law enforcement in. When your own citizens build and operate this level of parallel intelligence and rapid-response network against federal officers?complete with doxxing, vehicle pursuits, and harassment that’s already turned lethal?you’re no longer dealing with civil disobedience. You’re facing a distributed resistance that’s learned the lessons of successful insurgencies: stay below the kinetic threshold most of the time, force over-reaction when possible, maintain popular support through narrative, and never present a single center of gravity.

I spent years training partner forces to dismantle exactly this kind of apparatus. Now pieces of it are standing up in American cities, enabled by elements of local government and civil society. That should keep every thinking American awake at night.

Not because I want escalation. But because history shows these things don’t de-escalate on their own once the infrastructure exists and the cadre believe they’re winning the information war.

We either recognize what we’re actually looking at?or we pretend it’s still just “activism” until the structures harden and spread.

Your call, America. But from where I sit, this isn’t January 2026 politics anymore.
It’s phase one of something we’ve spent decades trying to keep off our own soil.

12:03 PM ? Jan 25, 2026.

10.6M Views

Rounding up the people funding the riots in Minnesota is going to require rounding up vast numbers of public officials.

Will that really happen?

Tell me what you think in the comments.

If you enjoy my writing, you could buy me a Ko-Fi 😉👉

Please leave a comment, like it or hate it... You DO NOT need to register to leave a comment. Email addresses are NOT used. Just make one up "someone@somehost.com"

The reason you don’t poke the bear -- is because it’s a bear.

Hell, it’s why everyone hates cheesy horror movies. The actors always do the most ignorant thing(s) -- and the entire audience knows this! We all sit in our seats and think, "Who would be this stupid? What possible good could come from this?"

They even have GEICO commercials about it:

https://www.youtube.com/watch?v=4TJCEDW1xoA

It’s funny because everyone instinctively knows better, but then perhaps not everyone does know better.

Another example is the "penis cobra monster" from Prometheus (to quote The Librarian of Celaeno).

The scientists, who should be the “experts,” puts themselves in a seriously bad (and deadly) situation -- even though anyone with a half a brain knows that something is about to go badly wrong, they still “trust The Science™.”

The outcome is predictable, but is still worth watching for the sheer cheese value.

https://www.youtube.com/watch?v=P2Kkp0ufTiI

Yes, this retarded, and hard to watch, but then so are all the people who think they can keep pushing [whoever] endlessly without consequences.

This was a theme in years past, where the bully learned that if he kept pushing, eventually he would get his comeuppance. Perhaps not immediately, but eventually.

How is it that message never stuck with any of the people on the left, pushing other people to the breaking point? Why do they think that anyone on the other side can’t “snap” as they do? And snap they will, and it might be much more than the silly cosplaying leftist imagined.

“The most terrifying force of death, comes from the hands of men who wanted to be left alone. They try, so very hard, to mind their own business and provide for themselves and those they love. They resist every impulse to fight back, knowing the forced and permanent change of life that will come from it. They know, that the moment they fight back, their lives as they have lived them, are over.

The moment the men who wanted to be left alone are forced to fight back, it is a form of suicide. They are literally killing off who they used to be. Which is why, when forced to take up violence, these men who wanted to be left alone, fight with unholy vengeance against those who murdered their former lives. They fight with raw hate, and a drive that cannot be fathomed by those who are merely play-acting at politics and terror. TRUE TERROR will arrive at these people’s door, and they will cry, scream and beg for mercy… but it will fall upon the deaf ears of the men who just wanted to be left alone.”

― Alexandr Solzhenitsyn

The left doesn’t understand that these are the people they are messing with. Once the people of the first world are pushed to the point where civil society is no longer an option [for them], this is where they go.

The leftists have had it very easy so far, but as they push and push, they’re likely to meet a response -- the likes of wish they couldn’t possibly imagine.

For those on the right, this is not a cosplay -- but truly existential, as history has foretold the outcomes of such situations.

The illogical (those without proper forethought) don’t want a battle with the logical, because it will not end well for the illogical.

For the logical will become barbarians, in order to defend what is theirs.

“Migration” and the Left

There is an overarching theme about immigration (mostly illegal, as these people have overstayed -- if they were ever legal to begin with) and those who believe that these “migrants” have been wronged, because we have laws and borders.

The question then lies in methods, right? If these people [migrants] have been wronged, what is the best way to make sure that they are allowed to live freely and prosper?

When you look at it from the other side, things change a bit.

Assuming (for the sake of argument) that these people are here legitimately, what might be the final, and most positive outcome for them? And what might be the pathway to bringing that about?

Now this gets interesting.

For those advocating for the migrants, there is the legal route, passing laws, making sure that there is agreement on such matters -- then there is militant reflexive action (attacking ICE agents and ignoring existing laws). The kind which rarely if ever results in a positive outcome.

Why does the left always default to the method that results in the least likely positive outcome -- and guarantees the highest probability of a bad outcome?

Not just in the case of Renee Good -- but in every case?

This can’t be by chance.

If those on the left want to enact real and lasting change for the better (of those they claim to be concerned about) why not use the legal methods that are already at their disposal?

These are the questions that should be considered.

Tell me what you think in the comments.

If you enjoy my writing, you could buy me a Ko-Fi 😉👉

Please leave a comment, like it or hate it... You DO NOT need to register to leave a comment. Email addresses are NOT used. Just make one up "someone@somehost.com"

How It All Begins

If you've ever wondered why the 2020 election was rigged so that basement dwelling Joe Biden could "take office." Pay attention. 😉👉

The answer is simple. Immigration. Legal, illegal, it doesn't matter so much. The idea was to get as many third world foreigners into the US as possible in the shortest amount of time possible.

Why you might ask? It's simple. The third world foreigners will cause chaos -- kind of like they do in their own counties. The idea is for the chaos to reach insane levels, demanding some kind of government response, because after all, you can't take the law into your own hands like they do in the third world.

Is it possible to quickly remove millions of people from the US and stop the hemorrhaging? No, it's not, these people are embedded like ticks, and have support structures to keep them hidden from ICE.

The best option is to cut off all benefits for those foreigners squatting in the US with the hope that they will go home -- but we already know that too many will not.

Many people believe that these "immigrants" were brought into the country to reshape congressional maps, and swing red areas blue. I do not believe this. The fact that 2020 was rigged shows that elections and redistricting are not the goal here. When you can openly rig elections without any legal consequence -- you don't need to redistrict and do all that running around. However, it does make for a good argument.

The true goal in all this, I believe, is to instate a Digital ID system. Why? Because that's the next logical step.

You can't (humanely) get all of the illegals out of the country, but you can segregate them from the citizens -- by using a Digital ID.

It's the whole "problem, reaction, solution" bit all over again. Once you realize that the "immigrants" who were brought here were done so at the behest of the UN -- for programs that are openly talked about on the world stage, using creepy language like, "Master plan for humanity" things start to come into focus.

The COVID Tie-in

The Covid Scare is the key to all of this. COVID was the excuse for a multitude of things. Rigging the 2020 election (to bring the immigrants in) and vaccine passports (the beginning of the Digital ID system).

But then we found out that none of the vaccines actually "stopped the spread" -- the entire basis for any proof of vaccination. So, why then are they still working on the systems to validate vaccine status? Why is this being discussed in the G20 meetings? Could it be that these "vaccine passports" are really just part of a larger Digital ID system?

I see no reason to believe otherwise.

Let's put this together real quick:

There's a scary pandemic. All of the Western nations freak out, and inflict strict controls on their societies. Then demand vaccinations take place. Next they instate systems to determine who is vaccinated and who is not. It is quickly determined that Digital ID systems be used for this verification -- because it's too easy to fake any paper form for proof of vaccination.

Never mind that all of this was during a period of time when validation for mail-in votes were not required at all (no signature matching).

Combine all of this with the fact that the G20 nations are still working on Digital Passports, and you quickly see where this is going.

Why, just the other day, 12/26/2025, facial recognition is required non-citizens entering the US. But how do you know who is a citizen, and a non-citizen -- by scanning everyone's face silly! You just don't come out with that publicly. You wait for it to be leaked at some later date, after the new Digital ID system has already stopped some bad guys.

A new policy across US airports that will collect facial recognition data from noncitizens entering and leaving the country comes into effect today.

The measure is designed to curb visa fraud, identify criminals, detect overstays and prevent illegal reentries, the Department of Homeland Security (DHS) said.

Going forward, visitors from abroad will have their facial biometric data collected when they come into and leave the country by US Customs and Border Protection (CBP).

Previous exemptions, such as those for diplomats and most Canadian visitors, were also removed as part of the change.

Biometric facial comparison technology is already used to process travelers entering America at 238 airports, according to CBP.

'This final rule marks a major milestone towards our efforts to successfully implement the Biometric Entry/Exit mandate and strengthen the security of the United States,' Diane J. Sabatino, the acting executive assistant commissioner of CBP's field operations office, said.

She added that the increased funding would be used to 'expand facial biometrics and advanced technology for identity verification to further secure and innovate the entry/exit process at air, land, and sea.'

The airport policy was first announced on November 20, although it only goes into effect today.

Why The Sudden Concern

Nobody was worried about any of this -- until there was a giant influx of "immigrants" into the US.

We're all being played here people. This is the same plan that started when Biden was installed -- and it's being carried out by the Trump administration right now.

We're quickly heading towards a national Digital ID system, that's likely going to implemented during the Trump administration.

Once you have your federal Digital ID, it's just one step to implementing digital currency, thus closing the gap on a Social Credit System -- then you're captured.

Remember when people would pearl-clutch over "Show us your papers..." what a long way we've come.

Tell me what you think in the comments.

If you enjoy my writing, you could buy me a Ko-Fi 😉👉

Please leave a comment, like it or hate it... You DO NOT need to register to leave a comment. Email addresses are NOT used. Just make one up "someone@somehost.com"

Trump is killing his own movement with this move, should it go through.

I'm not going to get into all the history on this, as it won't be very relatable to many people, including myself -- at least not as mortgage terms go.

This proposal is interesting to me because traditional life insurance policies (not term policies) are based on a 100-year interval. Meaning that you pay into your $100k policy until you are 100 years old. Once you reach the 50-year mark, you’re actually getting your own money back. The insurance company is only in for half, and that’s assuming that they made nothing off your donations principle payments (which we know is not true).

A 50 year mortgage would mean that pretty much nobody would “own” a home anymore, from this point on, because nobody is going to outrun inflation to the point that they pay off they loan earlier (some will, but the vast majority won’t, we know this). Nearly all future properties will be bank owned. That being the case, why not just push the mortgages out to 100-years? Trust me, they would if they could, but 100-years is considerably beyond the average life expectancy in the US. 100-year mortgages would quite literally give up the game, it would be too obvious.

This is an absolute dream for the financial, and real estate markets, they can’t get enough of this.

Endless interest payments – pretty much for the life of all new homeowners. Don’t forget about PMI insurance – they’ll be collecting long after the occupant has paid in an amount equal to 20% of the property value at the time of purchase.

Quick explanation: PMI (Private Mortgage Insurance) is supposed to secure the bank for the amount of the loan that you didn't put down up to 20%. If you put down 10% then you will carry PMI for the remaining 10% equaling 20% of the total property value. If you can put down 20% initially, you are not required to carry PMI.

We know that most first-time homebuyers are not putting down 20%. That's why this insurance is a slam dunk. PMI covers the bank (not the homebuyer) for 20% of the property value at the time of purchase, should the lender default on the loan. Keep in mind, the bank already owns the property if they agree to allow the homebuyer to mortgage it through them. The bank buys the property and sells it to you (with interest) over 30-years or in this case 50-years.

Seems a little odd doesn't it? If the loan defaults, the property is already in the hands of the bank, they can just sell it again. Oh, and they get to keep that down payment up to 20% of the property value. Not to mention that all property is generally considered to be an appreciating asset. The bank just can't lose.

The opposite is true with an auto loan. You can get Gap Coverage which will satisfy the loan should the owner die, or the car is totaled in an accident. But that covers the person paying the loan (car buyer), and the bank. Cars are depreciating assets, so this makes more sense.

PMI is one of the top legal scams out there. And those insurers are salivating at the possibility of having people, required by law, to pay for their product. Keep in mind they will make a killing because of the already inflated housing prices.

The 50-year mortgage is NOT a good idea. President Trump, how about letting the market correct?

50-year mortgages will just keep home prices artificially high. Banks will own the majority of property from this point forward, and "homebuyers" (loan payers) will make endless payments. The end result will be as if most people, from that point on, will be living in an apartment (forever paying, and never owning). Only when you live in an apartment, you don’t have to pay property taxes, buy a new air conditioning unit, water heater, or pay to replace the roof when the time comes.

This is a bailout to property owners and banks -- not "relief" for first-time homebuyers.

Of course, the counter argument to this will be, if interest rates drop, homebuyers will be able to refinance into a 30-year mortgage at a better interest rate. Sure, that's possible. But who wants to gamble the next 50-years of their life -- based on the whims of The Fed? Democrats will be in power again, at some point, and none of that will bode well for those poor 50-year loan holders.

We'll just have to see where this goes.

I'm afraid that Trump is likely to mess this up “BIGLY.”

What do you think?

If you enjoy my writing, you could buy me a Ko-Fi 😉👉

Please leave a comment, like it or hate it... You DO NOT need to register to leave a comment. Email addresses are NOT used. Just make one up "someone@somehost.com"