@ctizzy00

building Northline: CRE loan surveillance + borrower reporting for lenders (fund reporting + draw monitoring coming). posting about AI, money and building

Joined June 2026
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16Media
+$500M into a bitcoin etf means roughly $500M of real btc landed at a custodian new shares get created against actual coins. outflows run the same machine in reverse
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11 spot bitcoin etfs launched on jan 11 2024, the morning after the sec said yes a decade of rejected filings ended in one afternoon
Text card: on January 10, 2024 the SEC approved spot bitcoin ETFs; 11 launched the next morning.

ALT Text card: on January 10, 2024 the SEC approved spot bitcoin ETFs; 11 launched the next morning.

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meta brought in $64.6B last quarter and its free cash flow still came out negative... the business generated $32.79B in operating cash capex, counting finance leases, was $34.91B so free cash flow landed at -$2.12B, a year ago it was +$10.6B and they still expect $135B to $145B of capex for 2026 (Meta Q3 2026 results)
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CRE lenders already pay analysts to read borrower reports by hand. every loan, every quarter the $1M math only works if you pick a market that already pays for the work. that's why i started Northline there
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1/ 10 AI prompts that quietly save me 10+ hours a week. copy them. bookmark this before you forget 🧵
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11/ the end-of-day: "Here's what I did today. What should I carry over, delegate or drop tomorrow?"
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12/ the trick: give it real context. your notes, your emails, your numbers. bookmark this. which one are you trying first?
the nasdaq lost 2.6% today and the dow still closed green, up 0.02% same market, two totally different days. AI stocks got sold and a lot of boring stocks got bought nasdaq -2.6% to 26,009 s&p 500 -1.21% to 7,663 dow +0.02% to 52,868 (yahoo finance) meta fell 7% even after beating on revenue, $64.6B vs $63.4B expected (cnbc) the spark was meta unveiling a new class of non-voting shares to help pay for its AI buildout (reuters) chips took the worst of it. the philly semi index dropped 6.7%, lam research fell 11.8% and nvidia 4.4% spacex gave back 9.1%, more than all of wednesday's pop meanwhile the boring side had a great day p&g +5.6% after beating on sales and profit blackstone +8.4% after profit topped estimates, with $1.368T under management (cnbc) and moderna fell 17.6% after its cancer vaccine data leaked early, even though it showed a 42% lower risk of melanoma coming back or death (cnbc, investing.com) the 10-year yield slipped under 5% for the first time since sept 23 (reuters) money mostly moved out of AI and into everything else today
bar chart of % moves at the oct 22 close vs wednesday: blackstone +8.37%, p&g +5.59%, dow +0.02%, s&p 500 -1.21%, nasdaq -2.60%, nvidia -4.40%, philly semi index -6.72%, meta -6.98%, spacex -9.14%, lam research -11.76%, moderna -17.57%. data: yahoo finance

ALT bar chart of % moves at the oct 22 close vs wednesday: blackstone +8.37%, p&g +5.59%, dow +0.02%, s&p 500 -1.21%, nasdaq -2.60%, nvidia -4.40%, philly semi index -6.72%, meta -6.98%, spacex -9.14%, lam research -11.76%, moderna -17.57%. data: yahoo finance

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sources closes and % moves: finance.yahoo.com/quote/%5EI… meta, lam, p&g, blackstone: cnbc.com/2026/10/22/stocks-m… meta non-voting shares, 10-year yield: live.euronext.com/en/financi… moderna: cnbc.com/2026/10/22/moderna-…
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$10,000 at 7% a year for 30 years becomes about $76,123 you never add another dollar year 1 it earns $700. year 30 it earns almost $5,000 by itself that's the part people miss. the money does almost nothing early and almost all of it late. most people quit in the boring middle
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companies have bought 135,979 btc in about a year with money raised from perpetual preferred stock... that's over 0.5% of all bitcoin, and $7B+ of it was raised in just march to may fidelity's own caveat: it only works if btc rises faster than the dividends cost (Fidelity Digital Assets)
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