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[@MorlockP](/creator/twitter/MorlockP)
"That one dot in southern NH is the Old Boys Network of Weare"  
[X Link](https://x.com/MorlockP/status/1977453310195232923) [@MorlockP](/creator/x/MorlockP) 2025-10-12T19:16Z 26.5K followers, 3091 engagements


"@memeticsisyphus define "tortured". burned with a blow torch punched"  
[X Link](https://x.com/MorlockP/status/1979178803545915562) [@MorlockP](/creator/x/MorlockP) 2025-10-17T13:32Z 26.5K followers, 184.7K engagements


"1/ wow that's crazy - imagine living in a time and place where you criticize an artist and the artist's friend threatens to come to your house and murder you"  
[X Link](https://x.com/MorlockP/status/1979313997858873686) [@MorlockP](/creator/x/MorlockP) 2025-10-17T22:30Z 26.5K followers, 6135 engagements


"1/ Using gold as a reference is stupid. If we're going to just pick a random commodity how about vacuum tubes This engineer could have purchased XXX vacuum tubes at $X ea"  
[X Link](https://x.com/MorlockP/status/1979533697163596027) [@MorlockP](/creator/x/MorlockP) 2025-10-18T13:03Z 26.5K followers, 6049 engagements


"2/ yeah they're all trapped in a circular ego loop where they tell each other how smart they are .but in reality the typical doctor is noticeably less intelligent than the typical engineer has zero humility has minimal intellectual rigor"  
[X Link](https://x.com/MorlockP/status/1977709167495221314) [@MorlockP](/creator/x/MorlockP) 2025-10-13T12:13Z 26.5K followers, 2462 engagements


"3/ they're basically Jiffy Lube technician for human bodies "uh this is a Mazda sedan says here in the manual it takes X quarts of 10W-40 ok here take this oil ; don't question me I'M A DOTOR""  
[X Link](https://x.com/MorlockP/status/1977709377894207540) [@MorlockP](/creator/x/MorlockP) 2025-10-13T12:13Z 26.5K followers, 1668 engagements


"10/ very good side thread"  
[X Link](https://x.com/MorlockP/status/1978117665039274149) [@MorlockP](/creator/x/MorlockP) 2025-10-14T15:16Z 26.5K followers, XXX engagements


"in XX years if generation QRS wants to make fun of me for being old they'll say that I'm "older than PCs mobile phones post-it notes Compact Discs and mp3s""  
[X Link](https://x.com/MorlockP/status/1978147775557538033) [@MorlockP](/creator/x/MorlockP) 2025-10-14T17:15Z 26.5K followers, 2317 engagements


"(a) outrageous that checks notes prices in Jul 2025 are flat from Jan 2024 (b) price rise on domestic goods has 2nd possible explanation: matching market competition (c) all taxes increase cost does PG complain re sales tax (d) cost increase is often a GOAL of tariffs"  
[X Link](https://x.com/MorlockP/status/1978824737158537278) [@MorlockP](/creator/x/MorlockP) 2025-10-16T14:05Z 26.5K followers, 2117 engagements


"100% srs I kind of like it. It's the best piece of quasi-brutalist architecture (which I generally hate) that I've ever seen and I find the shape interesting / pleasing as an Abstract Form. Much better than average Frank Gehry slop"  
[X Link](https://x.com/MorlockP/status/1979178102245769718) [@MorlockP](/creator/x/MorlockP) 2025-10-17T13:30Z 26.5K followers, 2464 engagements


"@Yorktknd @memeticsisyphus "if" yeah I'm hardly surprised that you can't understand the distinction between talking about the actual sentencing matrix as it exists and advocacy top notch work"  
[X Link](https://x.com/MorlockP/status/1979199849460306071) [@MorlockP](/creator/x/MorlockP) 2025-10-17T14:56Z 26.5K followers, 1557 engagements


"4/ The per capita GDP of the Roman Republic / Empire was about $XXX USD in 200BC .and about $XXX or $XXX four hundred years later in XXX AD. GDP/capita in US in 1725 it was $2000. In 2025 $85000. The same amount gold chasing so much more actual wealth - terrible currency"  
[X Link](https://x.com/MorlockP/status/1979586574015762864) [@MorlockP](/creator/x/MorlockP) 2025-10-18T16:33Z 26.5K followers, XXX engagements


"1/ without affirmative action / fake federal make-work jobs paid for with stolen tax dollars low-IQ blacks (mean IQ of XX vs XXX for whites) find themselves unemployed. Ofc NYT lies and blames structural racism"  
[X Link](https://x.com/MorlockP/status/1977702171236807009) [@MorlockP](/creator/x/MorlockP) 2025-10-13T11:45Z 26.5K followers, 2063 engagements


"I always push back on the strong version of the "petrodollar concept". What does it mean for oil to be "priced in dollars" Exporters are happy to quote a price in any currency you want"  
[X Link](https://x.com/MorlockP/status/1977935640063832501) [@MorlockP](/creator/x/MorlockP) 2025-10-14T03:12Z 26.5K followers, 9172 engagements


"11/ my version rewritten: The Mexican peso the Egyptian pound etc all bounce around but the USD is the emergent peg that everything is anchored to so if you do all of your math and trading and contracts in the USD there is deep stability month to month / year to year / steel to oil / apples to Apple iPhones"  
[X Link](https://x.com/MorlockP/status/1978118045903249614) [@MorlockP](/creator/x/MorlockP) 2025-10-14T15:17Z 26.5K followers, XXX engagements


"Great / important thread"  
[X Link](https://x.com/MorlockP/status/1978977372599660563) [@MorlockP](/creator/x/MorlockP) 2025-10-17T00:12Z 26.5K followers, 9127 engagements


"9/ basically equivalent to a bond "here's a security / contract / piece of paper / investment that generates flows of $x per Y except with the complication that if interest rates rise WE GET NOTHING MORE but if they fall many customers refinance and claw back our flow""  
[X Link](https://x.com/MorlockP/status/1979165399154295065) [@MorlockP](/creator/x/MorlockP) 2025-10-17T12:39Z 26.5K followers, XXX engagements


"14/ Maybe X in 1000 XX year loans are actually XX year loans in the sense that a school child would understand it. The loan period is really just a way to talk about how the payment flow is structured: how much principal pay down per month how much interest flow per month"  
[X Link](https://x.com/MorlockP/status/1979166202543948078) [@MorlockP](/creator/x/MorlockP) 2025-10-17T12:42Z 26.5K followers, XXX engagements


"@FormerlyFormer 24/ Say that a family gets a XX year loan for $80k to buy a $100k house but then the local factory lays people off the borrower can't make ends meet neglects maintenance house depreciates to $95k - also poor job market pushes house price down to $85k .bank still covered"  
[X Link](https://x.com/MorlockP/status/1979168352430932264) [@MorlockP](/creator/x/MorlockP) 2025-10-17T12:51Z 26.5K followers, XXX engagements


"While the Russia behavior to Germans post war was absolutely abhorent this claim - that "virtually every German east of this line was genocided" - is false. Huge numbers were relocated against their will had property confiscated were forced into labor .but not genocided"  
[X Link](https://x.com/MorlockP/status/1979191227778998664) [@MorlockP](/creator/x/MorlockP) 2025-10-17T14:22Z 26.5K followers, 7488 engagements


"3/ Banks have big pools of capital that they deploy over and over and over rolling from one batch of loans to another. They deploy this capital to buy payment streams in the future. They want to characterize these payment streams and purchase them at good prices"  
[X Link](https://x.com/MorlockP/status/1979163830832755156) [@MorlockP](/creator/x/MorlockP) 2025-10-17T12:33Z 26.5K followers, 1166 engagements


"4/ So to "think like a bank" put away the thought of "loaning money and wanting to get it back some day". That's not the model. Banks are thinking of it as "I have $X in hand. I could either purchase $XXX per month for XX months or $XX per month for XX months or .""  
[X Link](https://x.com/MorlockP/status/1979164042947133518) [@MorlockP](/creator/x/MorlockP) 2025-10-17T12:34Z 26.5K followers, 1252 engagements


"5/ .and in fact they are using the law of big numbers so with each say $100M deployed they are looking at buying baskets of revenue flows where all of the baskets CLAIM to be XX years of monthly payments but each has different statistical attributes"  
[X Link](https://x.com/MorlockP/status/1979164290578854082) [@MorlockP](/creator/x/MorlockP) 2025-10-17T12:35Z 26.5K followers, 1036 engagements


"6/ in basket A there is the expectation that X% of the loans will be prepayed in X year X% prepayed in X years X% in X years etc. .and in basket B the expectation is that X% in year X X% in year X XX% in year X. So banks are doing math about this "  
[X Link](https://x.com/MorlockP/status/1979164520082784610) [@MorlockP](/creator/x/MorlockP) 2025-10-17T12:36Z 26.5K followers, XXX engagements


"7/ .and very specifically doing the math for basket A vs basket B under lots of different potential scenarios: fed interest rate stays flat rises X% falls X% etc (bc fed interest rate changes the risk profile that borrowers will prepay - if rates go up MANY FEWER prepay"  
[X Link](https://x.com/MorlockP/status/1979164754141716751) [@MorlockP](/creator/x/MorlockP) 2025-10-17T12:37Z 26.5K followers, XXX engagements


"8/ .but if rates down down MANY MORE prepay. Why does this matter Bc if you can borrow money from the fed at X% and then loan it out as mortgages at X% then after servicing and other costs you see a delta and the stream of that delta X years into the future is product"  
[X Link](https://x.com/MorlockP/status/1979165071008780664) [@MorlockP](/creator/x/MorlockP) 2025-10-17T12:38Z 26.5K followers, XXX engagements


"15/ In the limit you can get a XX year loan and pay it for X years then roll into a new XX year loan pay it for X years get a new XX year loan etc. That's just a normie way of explaining "I want to structure my payments as $X interest and $Y capital accumulation""  
[X Link](https://x.com/MorlockP/status/1979166445503156656) [@MorlockP](/creator/x/MorlockP) 2025-10-17T12:43Z 26.5K followers, XXX engagements


"23/ To expand on @FormerlyFormer There are many reasons that banks don't like to loan more than XX% of value and that's bc the extra XX% "skin in the game" money you bring to the table covers the bank even if stuff goes sideways before they repossess"  
[X Link](https://x.com/MorlockP/status/1979167986117198320) [@MorlockP](/creator/x/MorlockP) 2025-10-17T12:49Z 26.5K followers, XXX engagements


"@Yorktknd @memeticsisyphus put "you all" who me an extreme hard-rightist you fucking nimrod you have no idea who I am or what this argument is even about because you're too stupid to understand"  
[X Link](https://x.com/MorlockP/status/1979198432624472445) [@MorlockP](/creator/x/MorlockP) 2025-10-17T14:50Z 26.5K followers, 8956 engagements


"This is an insane question. Mortgages are asset backed. The only risk banks really worry about is early prepayment which yes is elevated w older borrowers but quantifiably so.and prob not much riskier than risk of early prepayment by refinancers. It's not a big deal"  
[X Link](https://x.com/MorlockP/status/1979127466909143419) [@MorlockP](/creator/x/MorlockP) 2025-10-17T10:08Z 26.5K followers, 17.7K engagements


"3/ "The supply is stable" is exactly why its a TERRIBLE currency for a civilization that generates wealth and leads to utterly retarded / obviously false conclusions Iike "an engineer in 1925 was wealthier than one today""  
[X Link](https://x.com/MorlockP/status/1979580847515910444) [@MorlockP](/creator/x/MorlockP) 2025-10-18T16:10Z 26.5K followers, 1745 engagements


"Border w good neighbors to the west. When I bought the farm this was drowned in brambles poison ivy invasive bittersweet and downed tree limbs. Lots of cleanup over XXXX years"  
[X Link](https://x.com/MorlockP/status/1979724163284975976) [@MorlockP](/creator/x/MorlockP) 2025-10-19T01:39Z 26.5K followers, 1753 engagements


"Going to use 4' tall with a X or X foot radius. That should I hope keep deer from doing much"  
[X Link](https://x.com/MorlockP/status/1979996905372282954) [@MorlockP](/creator/x/MorlockP) 2025-10-19T19:43Z 26.5K followers, 1029 engagements