"Builder-in-chief" President Donald Trump is bringing the housing market back to life, U.S. Federal Housing Finance Agency Director Bill Pulte told "Making Money" on Thursday. Trump announced Wednesday that he plans to ban institutional investors from purchasing single-family homes."I'm very confident we can resuscitate the housing market, but it's dead after what Joe Biden did," Pulte told FOX Business anchor Cheryl Casone. TRUMP ANNOUNCES PLANS TO BAN INSTITUTIONAL INVESTORS FROM BUYING SINGLE-FAMILY HOME ...

特朗普：长久以来，购置并拥有一套住房一直被视为美国梦的巅峰，是辛勤劳作、循规蹈矩的回报。然 而如今，由于拜登和国会民主党人引发的历史性高通胀，这一美国梦正愈发成为太多人难以企及的奢 望，尤其是美国的年轻一代。 正因如此，以及诸多其他原因，我将立即采取措施，禁止大型机构投资 者购入更多独栋住宅，并将呼吁国会将这一举措立法。住房是给人居住的，而非供企业囤积的。两周 后，我将在达沃斯的演讲中探讨这一议题，包括提出更多关于住房保障与可负担性的方案，以及其他相 关举措。 ...

Group 1 - The term "kill line," originating from the gaming world, is becoming a metaphor for understanding the realities of American society as 2025 approaches [2] - Many American middle-class families are experiencing a rapid decline in their economic stability due to rising medical bills, unemployment risks, and unexpected expenses, leading to a critical point where a single shock could trigger a chain crisis [2] - The facade of the "American Dream" is being stripped away, revealing a structural gap between hope and despair [3]

Core Insights - The term "kill line," originally from gaming, is now being used to describe the precarious financial situation of certain middle-class Americans, where a combination of risks like medical emergencies and unemployment can lead to a rapid descent into poverty [1][9] - A significant portion of the American population is facing economic difficulties due to unexpected expenses, with surveys indicating that 59% of Americans lack sufficient savings to cover a $1,000 emergency [3][4] - The concept of "ALICE" (Asset Limited, Income Constrained, Employed) highlights a demographic that, while employed, struggles to meet basic living costs, revealing deeper economic issues in the U.S. [4][5] Economic Conditions - A recent report from the Federal Reserve indicates that nearly 40% of American adults would be unable to pay for a $400 emergency using cash or its equivalent, underscoring the growing visibility of the "kill line" [3] - Financial strategist Michael Green argues that the poverty line in the U.S. is significantly underestimated, suggesting that a family of four needs an annual income of at least $136,500 to maintain basic living standards, which is much higher than the official poverty line [5][8] Social Implications - The existence of the "kill line" reflects a critical societal issue, as many Americans find themselves on the brink of financial disaster, with a single unexpected event potentially leading to a chain reaction of crises [9] - Discussions on social media reveal a consensus that the U.S. social safety net has significant gaps, with many feeling that the government is indifferent to the struggles of lower-income individuals [8][9]

Core Viewpoint - The concept of the "kill line" has gained significant attention, representing a threshold in society where individuals are deemed disposable once they fall below a certain financial status, leading to systemic exclusion and permanent removal from societal support [1][3][10]. Group 1: Economic Conditions - According to the Federal Reserve's 2024 Economic Conditions Report, 37% of American adults cannot access $400 in emergency cash, indicating that over one-third of the population lives on the edge of financial disaster [3][7]. - A cycle of poverty is created where lack of money leads to poor credit scores, which in turn restricts access to housing and employment opportunities, further exacerbating financial instability [4][6]. Group 2: Immigration Policies - The current U.S. immigration policies reflect a shift towards valuing "wealthy contributors" over low-income labor, as seen during Trump's administration, which has led to a more stringent and calculating approach to immigration [4][6]. - The use of economic calculations in immigration enforcement, such as the cost of detaining individuals versus providing them with a one-way ticket home, highlights a shift towards viewing individuals as economic units rather than human beings [6][10]. Group 3: Homelessness and Social Issues - The phenomenon of "employed homeless" individuals, who are often well-educated and previously high-earning professionals, illustrates the growing issue of homelessness among the middle class due to systemic failures in addressing high living costs and healthcare expenses [6][9]. - California has spent approximately $24 billion over the past five years on homelessness, yet the number of homeless individuals continues to rise, indicating a failure to address the root causes of poverty [7][9]. Group 4: Societal Implications - The average life expectancy of homeless individuals in the U.S. is around 50 years, significantly lower than the general population, reflecting the severe consequences of falling below the "kill line" [9][12]. - The treatment of individuals who fall below the economic threshold mirrors corporate practices of optimizing labor costs, suggesting a broader societal trend of valuing individuals based on their economic contributions [10][12].

这个数字看似与政治无关，而是政府部门的专家根据事实精心测算得出的客观数据。几十年前，有人划定了这条界限，用来界定在美国谁是"穷人"、谁又 是"中产阶级"，以及谁该获得援助。换句话说，它是美国基本福利的提供标准——无形无迹、不容置疑、举足轻重。 这周我在看GDP数据，忽然感到疑惑：明明美国GDP增长健康、失业率也在G7国家中处于中等偏低的水平，美国中产阶级怎么会年年感觉越来越穷？ 【文/迈克尔·格林】 我是一名资产管理公司的首席策略师，毕业于宾夕法尼亚大学。但今天我不想讨论市场走势，尽管目前信贷压力持续加剧，科技板块（尤其"人工智能"领 域）尤为明显。 我认为，民众的通胀担忧（衡量市场表现的缺失指标）将再次让美联储陷入停滞。政策制定者将陷入死胡同（Zugzwang，国际象棋术语），任何走法都 将导致困境。 而这一切都与美国的贫困线有关。我相信许多左翼读者会说，"贫困问题我们已经讨论很多年了！"确实，你们中的许多人意识到了这一点，但你们仅关注 前端、情绪化的数据（如维持基本生计的工资），而非真正用数据说话。 贫困线：一个失灵的基准如何悄然崩坏美国 我在职业生涯中始终对显而易见的事物持怀疑态度。市场、流动性、要素模 ...

编辑 | summer 此前，东方卫视《喝彩中华》的舞台上，小孙女蔡乐艺登台后，先自报自己的爷爷是76岁昆曲表演艺术家蔡正仁和，引得徐帆、王珮瑜、程雷、霍尊几位 观察员集体起立致敬。可以看到，这也是当前社交媒体中关于"星二代"现象的一次集中审视。 表面上看，公众议论的焦点更多指向于星二代的轮番上阵，然而，更深层次的集体情绪，实则围绕一个核心矛盾展开：他们所天然享有的光环，是否与其 展现出的个人实力与职业素养相匹配？ 当星二代亮相被众人普遍认为仅有家庭背书而缺乏与之对应的专业能力或努力时，大家的批判显得尤为激烈。 事实上，在传统梨园，"子承父业"往往意味着更严苛的训练和更早的童子功，这被视为一种技艺的传承。但在流量时代的娱乐圈，公众看到的往往不 是"十年磨一剑"的技艺传承，而是父辈直接将积累的社会声望变现为子辈的商业机会。 当"继承"不再局限于技艺，而是"曝光率"和"入场券"时，这场跨越具体个案的讨论也已超越娱乐八卦的范畴，上升为一场公共思辨。 PART 1 不平等的起点 所有的父母都希望自己的孩子能够得到最好的照顾和教育，然而，父母能够给予自己深爱的孩子们的资源、天赋、机会却不尽相同。 美国社会学家安妮.拉鲁 ...

近日，美国一项令人震惊的民调结果显示，63%受访者认为四年制大学学位已经不再「值回票价」。负债上学，毕业即失业，越来越多的美国 人不再相信「大学改变命运」。 四年制大学怎么一下子「不香了」？ 曾经的金科玉律，如今被重新审视。 支付高昂学费，毕业却要面临失业和终身负债的时代该结束了！ 今年10月，NBC新闻针对1000名美国注册选民的一项民调，揭示出新一代美国人在对待上大学观念上的一场巨变。 在调研中，63%的注册选民对大学学位的价值持悲观态度，他们不再认为四年制大学学位值回高昂的学费，也不再盲从「大学可以改变命运」这样的话。 曾一度被视作「美国梦」核心环节的大学文凭越来越令人失望。 还有网友贴出了2023年《华尔街日报》的民调结果，约56%的被调查者认为四年制大学学位不值其费用。 是什么导致了这十几年间，美国人对大学价值的评价如此急剧下滑？ 下面是网友们的一些看法： 不断上涨的学费推高了学生债务，许多岗位本身也不再需要学位，加之AI的冲击…… 越来越多美国人开始重新审视与重估大学学位的价值。 逐渐失效的「万能钥匙」 上大学曾是许多美国人追求更好生活的默认选项。 如今，这个默认选项正变得越来越不可靠。 2013 ...

Soaring home prices in recent years may have you convinced real estate rises in value at the same rate as stocks. You may be in for a surprise. Over the past 30 years, stock prices have risen at four times the pace of home prices, according to a Motley Fool analysis. Since 1995, home prices have risen by about 310%. In the same span, the S&P 500 index has risen by about 1,200%. Add in dividends, and total S&P returns exceed 2,200%. “By and large, stocks are your best-returning asset class. Nothing real ...

有一些网友对万斯这番言论表示支持，也有不少网友表示反对。有网友向万斯反问称，"你妻子不就是 来自一个印度移民家庭吗？"还有网友向万斯喊话称，"这意味着你必须让乌莎及其来自印度的家人回印 度去。买好机票后请告知我们。你必须以身作则"。 美国政府近来宣布一系列移民管控措施，引发多方质疑或谴责。美国国土安全部本月3日确认在路易斯 安那州新奥尔良市发起执法行动，逮捕"非法移民"以"帮助"该市"恢复秩序"，在当地引发担忧。 【环球网报道 记者 张江平】美国副总统万斯一句涉移民话题言论，引发争议。据《印度斯坦时报》等 多家媒体报道，万斯当地时间7日在社交平台上发帖，声称"大规模移民就是偷走'美国梦'"，引发不少 网友批评。其中有网友注意到万斯的妻子乌莎·万斯出生于印度移民家庭，并提出建议：让乌莎回印度 去。 万斯当天在社交平台上转发了一则帖子：一名建筑公司老板称，自从美国移民与海关执法局在路易斯安 那州执法以来，自己看到了很大变化——接到的订单大幅增多。对此，万斯从美国人就业机会角度发表 了对大规模移民的看法，声称"大规模移民就是偷走'美国梦'"。 ...