'I'm going to be killed'

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The results are in, and on Nov. 5, Americans officially rejected the high prices and spiraling costs that defined much of the Biden-Harris administration—including the least affordable housing market in U.S. history. Rather than being chastened by the national shellacking he, his vice president, and his party received, President Joe Biden’s Justice Department is pursuing  an audacious move that could throw the housing market into disarray and put homeownership even further out of reach for middle-class Americans. In a high-profile lawsuit filed last month, the DOJ is seeking to crack down on a case of alleged home-appraisal bias in Colorado, but the lawsuit could set a worrisome new precedent for the relationship between mortgage lenders and appraisers. The consequences could be sweeping, and they may weigh most heavily on the black homeowners and aspiring homeowners who the DOJ is ironically trying to protect with this lawsuit. The DOJ is alleging that an appraiser, Maksym Mykhailyna, undervalued a black woman’s Denver home while she was applying for a refinance. Undervaluation typically results in a higher interest rate and a lower loan amount. The Biden administration has made cracking down on this kind of alleged discrimination a focus, and Vice President Kamala Harris has led the White House’s efforts. Yet, the DOJ’s case hardly proves the appraiser undervalued the home. Even more importantly, the DOJ fails to show that unlawful racial bias skewed the appraisal results or that this singular incident is indicative of systemic discrimination permeating the appraisal industry. These crackdowns over an illusory problem have been repeatedly and correctly criticized. The administration is fundamentally trying to expand the federal government’s role in housing with little understanding of how meddling with the appraisal process would ultimately affect prices and homebuyers. The DOJ lawsuit and much of the Biden administration’s efforts on this issue are misguided. In this latest effort, the Justice Department is going beyond holding an allegedly prejudiced appraiser accountable. Along with Mykhailyna, the DOJ also names Rocket Mortgage, the lender with whom the homeowner was seeking a refinancing, as a co-defendant. The DOJ’s decision to go after the mortgage lender for the actions of an appraiser in this case not only contradicts federal law, but also risks reversing years of housing industry reforms that keep home prices in check. Setting precedent to hold lenders accountable for the actions of independent appraisers would reintroduce the conflicts of interest that helped inflate home prices and created a housing bubble in the run-up to the 2008 financial crisis. A repeat of those circumstances would make homes even more expensive and put homeownership even further out of reach for many Americans. Passed in the wake of the 2008 crisis, the Dodd-Frank Wall Street Reform and Consumer Protection Act explicitly bars mortgage lenders from influencing appraisers. The legislation established appraiser independence by mandating that lenders order appraisals through third-party companies called appraisal management companies. These companies are a critical degree of separation between lenders and appraisers that protect the housing industry from the conflicts of interest that led to the 2008 disaster. The DOJ’s efforts to punish the lender in the Colorado lawsuit threaten to erode the independence of appraisers. Before 2008, there were no appraisal management companies, and appraisers were heavily dependent on the mortgage lenders that assigned them work. That conflict of interest led appraisers to overvalue homes in order to authorize bigger and more profitable loans for the mortgage lenders. That fueled the market bubble that eventually popped, tanking the global economy, nearly toppling the entire financial sector, and setting many American families back years. If the Biden DOJ has its way, the U.S. could return to the pre-2008 housing industry. The potential for baseless lawsuits alleging undervaluation will incentivize both appraisers and lenders to overvalue properties—fueling yet more home price inflation and injecting more risk into the system.   Housing costs are already out of control. Minority communities across this country are disproportionately locked out of homeownership. Rather than pursuing splashy headlines for baseless lawsuits that would ultimately hurt Americans and further exacerbate prices, the government should be diminishing the footprint of the government-sponsored enterprises—namely, Fannie Mae and Freddie Mac—that have helped create a second housing bubble in the past 20 years. The bottom line is that the DOJ’s misguided efforts here could wind up hurting all aspiring homeowners, including the very people of color who the Biden administration says that it is trying to stand up for. Existing civil right laws already protect homeowners against racially biased appraisal practices. These laws should continue to be enforced. Regulators or legislators could task the appraisal management companies with keeping a more watchful eye over the appraisers and potential trends in their work. But the effort to burden the mortgage lenders with the responsibility of solving appraisal discrimination is not only misguided, it is deeply harmful to aspiring homeowners, the housing sector, and the financial industry. The incoming Trump administration should immediately audit the Biden administration’s backward housing reforms and halt this lawsuit before it causes damage to the system. Woke, affirmative action policies  are misguided and wind up hurting everyone. Voters want a return to simple, logic-driven policy, and this is one area to start with. We publish a variety of perspectives. Nothing written here is to be construed as representing the views of The Daily Signal. The post Biden Admin Could Put Homeownership Further Out of Reach of Minorities, Middle Class appeared first on The Daily Signal.

Vanity Fair, Which Made Me an 80s Brat Packer, Slimes Pete Hegseth

A Texas high school senior is fighting for his right to Free Speech after his public school shut down his pro-life club. The odds were already stacked against Diego Salinas, a student at Sonia Sotomayor High School, who tried to establish the “Sotomayor Students for Life” branch of its national organization, this Fall. For one thing, his school is named after a leftist member of the Supreme Court, who says the decision to overturn Roe v. Wade put her in a state of “despair.”  In an interview with CBS affiliate KENS5, Salinas claims he’s “done everything correctly” and has “gone through the process,” waiting several months for his school’s approval as an official club.    But the trouble began when Salinas started an Instagram page that had his club’s title in the handle.  “Once that Instagram [account] kind of got popular, kids started finding out about the club,” he told KENS5. The Northside Independent School District complained that he couldn’t use “Sotomayor” in his handle, because it would falsely “imply to students or the public that a “non curriculum- related student group,” is “school-sponsored.” Salinas argues that the district allows other groups to use the school’s name without any issues. Instead of merely having him change his club’s username, Sotamayor’s assistant principal forced him to delete the account altogether in front of her.  That wasn’t enough.  “After the Instagram account was deleted, they called me into the office and said because the club was preventing education from moving forward and because it was creating an uproar in the school, they were temporarily suspending my club,” Salinas told KENS5. He claims the assistant principal also called his chapter a “safety hazard.” It turns out, the school was pressured by an army of mad mommies who called the district to complain. But with the help of lawyers representing Students For Life America, Salinas is fighting back. In a letter demanding the high school reinstate the club, its national lawyers call it a “Constitutional violation to silence the speaker when his dissenters are causing problems.” “Moreover,” the letter continued, “Sotomayor subjected Diego” and his club to “additional unwarranted censorship, and imposed on them rules that do not apply to other clubs and have no support in school policies or the law.” The school ignored the letter, despite being given until October 28 to respond. In an update to CatholicVote, Salinas told the outlet that he’s nearing litigation.

The chair of the House Judiciary Committee is insisting that the Federal Bureau of Investigation come clean about the censorship tools it may still be using against Americans.  The New York Post obtained a November letterthat House Judiciary Committee chair Jim Jordan (R-OH) sent FBI Director Christopher Wray about recent testimony implicating the FBI’s continued coordination of censorship. In the letter, Jordan referenced an October 23, 2024 interview during which an FBI Criminal Investigative Division Analyst who had worked with the Foreign Influence Task Force (FITF) “disclosed that the FITF uses ‘software tools where [the FBI can] search open-source databases about content indicative of criminal conduct.’” The FBI reportedly still uses these tools to flag content for social media to censor. Click here to read the full article on MRC Free Speech America.

Dear Democrats, It is going to be OK. It really will. You’ll have the midterms in two years. There’ll be another presidential election in four years. Those of you reading this insisting there will be no more elections are no better than the idiots on my side who think 2020 was stolen and that if Kamala Harris had won, there would be no more elections. In 2004, you guys were pretty stunned by George W. Bush’s reelection. Within two years, you had Congress. In two more years, you had everything. And, again, many of you believed after 2004 that it was the end of all things. It was not. Now, please consider this. You lost, in part, because your side of the aisle engaged in a cover-up of the sitting President’s cognitive decline. His staff, Cabinet Secretaries, members of Congress and senior members of the press with access to Biden told everyone he was fine. They lied, and Biden got exposed on a debate stage. If you are not willing to hold your own side accountable for engaging in a cover-up of the President’s decline, don’t expect Republicans to take you seriously about holding Donald Trump accountable. Your own team lied to you all and to the American people about Joe Biden. Those people set you up for failure last Tuesday night. Before you blame Americans for rejecting you, maybe identify and oust the people who made that rejection possible. They are both in politics and the press. If you are not willing to clean up your side, don’t expect Republicans to clean up theirs. It was not our side complicit in a cover-up of historic proportions. It was the voices in the press who assured us Biden was better than ever and the Democratic politicians and appointees who hid him, excused him and deflected for him. To rebuild trust, perhaps demand accountability. People can’t trust a party that says the economy is fine when they’re also saying the President is fine and everyone can see with their own eyes that he is not. Please consider this next point, though some of you might not want to. Many of you have become secular and do not have a profound theology. There is some interesting data out there that shows secular people and Democrats who go to church are more fearful than evangelicals. Couple that point about Democrats who go to church still being fearful with the data that shows progressive churches are more likely to preach on political topics. You can see that progressives are way more steeped in politics than evangelicals, even if that is hard for you to accept. The data is there. The data shows liberal Christians are more engaged in politics than conservative Christians. Your eschatology is that we must bring about a heaven on earth because heaven itself is not real. And politics harnesses power to bring that about. We see things differently, but my point is that you are as steeped in your worldview as I am in mine. However, I am more likely to encounter progressives in my daily life than you are to encounter people like me. Please understand it is not misinformation and disinformation that have convinced Trump supporters that they are suffering economically. It is their lived experience. Their costs really have gone up and their wages have not kept up. When you look at the map of red versus blue, understand that those red areas are areas that suffered more from inflation and cost increases than the blue areas. I’m a terribly flawed person, but I do believe God is real, and I do believe I’ve got to love my neighbor. You guys don’t have that divine admonition, but I’d suggest you give it a try. Love your neighbor, even if you disagree with him on the election. You just see the world differently because you’ve had different experiences, and you aren’t going to win your neighbor over any more than a Christian will convert someone by standing on their lawn with a bullhorn yelling, "Repent!" Democrats, y’all have become the street preacher with the megaphone yelling at people that the end is near and they must repent or burn in hell. Nobody likes that guy.

Joe Rogan said hippies, artists, musicians, and comedians reached out to thank him for endorsing President-elect Donald Trump in the 2024 election. During a recent episode of "The Joe Rogan Experience," the prolific podcaster said celebrities thanked him for endorsing him because they could not give public support to Trump over fears of attacks. 'They don’t want to be attacked.'“There’s a lot of people that don’t speak their mind. Do you know how many artists that have reached out to me that are, like, f***ing hippies, man, like artists, like musicians, comedians that thanked me for endorsing Trump because they can’t do it?” Rogan said.“They said they want to, but they don’t wanna be attacked. They can’t say it. They think the country is going in the wrong direction," Rogan said during Wednesday’s episode of “The Joe Rogan Experience.”Rogan did not name the names of the celebrities who secretly supported Trump. "A lot of what people say, they say it because they don’t want people to attack them. They say it because they think that if they say it, it will clear them; they’ll be OK,” Rogan explained.Rogan added, "If you say you support ‘x’ — you might not even support ‘x’ — but if you say you support ‘x,’ you’re not going to get attacked, and the right people will leave you alone or agree with you and appreciate you or praise you."During the podcast, Rogan warned that having an ideological media cover government leaders could be "dangerous," "whether it’s a right-wing government or a left-wing government, and that what you see that’s happening in the U.K. where people are being imprisoned for tweets and Facebook posts. It’s f***ing crazy.""Mind-bending. The whole thing is nuts," Rogan added. "And it’s a dangerous path that we were on. We were on that path. Trump has vowed to have free speech become a very important part of what he’s standing for and that this censoring of information needs to stop and that we need to stop all government influence in what people have to say."Rogan interviewed billionaire Elon Musk right before the election and discussed the significant issues heading into the 2024 election. Musk said Harris would use the levers of government to shut down the X social media platform if elected. Rogan made his endorsement of Trump on the eve of the 2024 election — less than two weeks after interviewing the former president on his massively popular podcast.Rogan's three-hour interview with Trump garnered a whopping 50 million views on just YouTube alone.As Blaze News recently reported, Rogan said Vice President Kamala Harris wouldn't do an interview on "The Joe Rogan Experience" because her campaign set parameters on the duration of the interview and the site of the meeting and wanted to avoid certain topics such as marijuana legalization.During Friday's episode of "The Joe Rogan Experience" with Evan Hafer, former Green Beret with the 19th Special Forces Group and founder of Black Rifle Coffee Company, Rogan somewhat jokingly theorized that President Joe Biden voted for Trump in the 2024 election. "Do you know what one of my f***ing favorite things about this election cycle has been? Yesterday, when Biden and Trump sat down in the White House. Biden voted for Trump, I guarantee it. I f***ing guarantee it. I never saw that dude so happy in his f***ing life," Rogan said."He lost. His party lost. He was happy," Rogan noted."Look at his f****ng smile, dude," Rogan said of a smiling Biden with Trump at the White House. "That's like when your kid gets married.""But look at that smile. That motherf***er has never been happier in his life – in his life," Rogan told Hafer. Rogan noted that some Democrats warned that Trump was Adolf Hitler but was welcomed into the White House by Biden. Like Blaze News? Bypass the censors, sign up for our newsletters, and get stories like this direct to your inbox. Sign up here.

Nearly a dozen NCAA athletes and one coach are suing the Mountain West Conference over alleged First Amendment violations that stem from a male athlete playing against women.Officials at San Jose State University are also named in the lawsuit that alleges the female athletes were subject to a new "Transgender Participation Policy" that sought to "suppress the free speech rights of women athletes."The lawsuit, backed by the Independent Council on Women's Sports, claims the defendants manipulated conference rules, "diminished sport opportunities for women," and used their position to punish dozens of female college athletes for taking a stand against having to compete against men in their sport.That athlete is SJSU's transgender player, Blaire Fleming. Born Brayden, Fleming is a 6'1'' male whose inclusion on the team has sparked five separate forfeits from opposing teamsAccording to the provided Transgender Participation Policy, the decision whether to allow a "transgender athlete" to participate in intercollegiate athletics is at the discretion of each school, determined by its own "interaction with the individual [and] the application of state law." — (@) Shockingly, the policy states that the NCAA will "not entertain inquiries or challenges regarding the eligibility of transgender student-athletes." Schools are also not required to provide information to their opponents about whether or not there is a transgender athlete on their team."It shall be the discretion of the certifying institution whether or not to provide pertinent information," the policy states.Plaintiffs in the lawsuit include three women from the University of Wyoming, two from Boise State, and two from University of Nevada Reno.Nevada's Sia Liilii previously spoke to Blaze News, simply stating that she and her teammates got together and decided what was happening "isn't right." Brooke Slusser (left) lines up alongside transgender athlete Blaire Fleming (right).Photo by Andrew Wevers/Getty Images'I will do everything to protect this opportunity for other girls and women.'Two of Fleming's own teammates from SJSU have joined the lawsuit, along with the Associate Head Coach of Women’s Volleyball Melissa Batie-Smoose.The coach was recently suspended after speaking out on the issue and even alleged that Fleming had conspired against his own teammate (Brooke Slusser, also named in the lawsuit) with an opponent to try to injure her.Utah State captain Kaylie Ray, another plaintiff, called for more support from the Mountain West Conference and NCAA."We need leaders in the Mountain West and NCAA to step up. Being a woman in sports has shaped my life, and I will do everything to protect this opportunity for other girls and women."San Jose State University and its staff have not returned requests for comments on the situation, nor have they been willing to address any claims made by the student-athletes or coach.Like Blaze News? Bypass the censors, sign up for our newsletters, and get stories like this direct to your inbox. Sign up here!

Today, November 15, should’ve been the day where we all got to jump into Assassin’s Creed Shadows to explore Feudal Japan as Naoe and Yasuke, but its delay into 2025 put the brakes on that. Instead, we can sit back and watch Ubisoft address a series of leaks that recently emerged about battle passes and cosmetics in Shadows and the upcoming Assassin's Creed Animus Hub, which will be a central space connecting all future AC games. In a short but direct statement posted to Reddit, a community manager has labeled the leaks “inaccurate” and has clarified what the Animus Hub will entail. Continue reading Ubisoft labels Assassin’s Creed Shadows battle pass leaks “inaccurate” MORE FROM PCGAMESN: Best RPGs on PC, Best stealth games, Assassin’s Creed Shadows release date