Peloton, Bad Bunny, and Apple

📉 Peloton’s Struggles - Peloton Interactive shares tanked 23% after fiscal Q2 earnings missed expectations, with revenue dipping year-over-year and guidance cut amid ongoing subscriber losses. Post-pandemic demand has faded, pricey AI hardware upgrades flopped, and CFO Liz Coddington's March exit adds pressure after recent layoffs. Things are not looking great for your expensive home bikes.

🎶 Bad Bunny Makes Grammy History as Stars Protest ICE - Bad Bunny made Grammy history by winning Album of the Year for his all-Spanish language album DeBÍ TiRAR MáS FOToS, the first Spanish-language project to claim the top prize, while using the spotlight to stand in solidarity with artists protesting U.S. Immigration and Customs Enforcement (ICE). During the ceremony, multiple stars wore symbolic messages and spoke out against immigration enforcement policies, highlighted by Billie Eilish’s speech that drew mixed reactions in the days that followed.

🏛️ Trump Administration Moves to Make It Easier to Fire Federal Workers - The Trump administration plans to create a new employment category that would make it easier to dismiss up to 50,000 federal workers, a move officials say is aimed at increasing accountability but critics warn could politicize the civil service. The proposal would strip job protections from many career employees, giving future administrations broader power to remove staff seen as obstructing policy priorities.

President Trump's recent nomination of Kevin Warsh as the next Federal Reserve Chair signals potential for targeted interest rate cuts like the 50 basis points (0.5%) experts such as Goldman Sachs predict by the end of 2026. Warsh, nominated to succeed Jerome Powell when his term ends in May 2026 pending Senate confirmation, has advocated for meaningful rate reductions to enhance housing affordability and market activity.

Warsh's Nomination and Vision
Kevin Warsh, a former Fed Governor from 2006 to 2011, was nominated by President Trump on January 30, 2026, to lead the Fed starting May 2026. Trump praised Warsh as potentially "one of the GREAT Fed Chairmen," highlighting his alignment with goals for lower rates. Warsh has stated the Fed can "significantly lower interest rates" to make 30-year fixed mortgages affordable and re-energize housing, criticizing Powell for not acting faster.

His approach calls for regime change at the Fed: shrinking the $6.6 trillion balance sheet, including selling $2 trillion in mortgage-backed securities, to create space for cuts without sparking inflation. Though historically hawkish, Warsh now sees room for cuts amid controlled inflation, with current fed funds at 3.5%-3.75% after 2025 reductions.

How Rate Cuts Supercharge Real Estate
Lower Fed rates directly slash borrowing costs for developers, refinancers, and investors like mogul members. Adjustable-rate debt eases immediately, while fixed rates follow via Treasury yields. This would spur transactions and competitive bidding. Mortgage rates, now hovering relatively high, could drop, unlocking pent-up demand without crashing home values, as Trump emphasizes.

This boosts property values through cap rate compression and higher occupancy in  co-living assets. Fractional  ownership platforms like mogul thrive as capex frees up for new value+ opportunities.

Tailored Wins for mogul Investors
At mogul, Warsh's policies and the predicted 50 basis point rate cuts mean stronger yields on PadSplit co-living and multifamily deals in high-growth metros. Cheaper leverage amplifies returns on equity, ideal for our fractional model. These cuts also enable refinancing existing portfolios at lower rates, slashing debt service to boost cash flow for dividends and expansions into STRs, ultimately proving a major win for investors.

The Big So What for You
Warsh's rate-lowering push gives real estate investors a tailwind: more deals, higher valuations, fatter yields. For mogul, it will accelerate sellouts further and boost member gains in a fractional era where timing is imperative.

Over $180,000 has already been raised for The O’Hara, a luxury 8-bed, 9-bath short-term rental estate set on 5+ acres in the Poconos. Spanning 6,500+ square feet, the property features a private pool, indoor swim spa, koi pond, and high-end amenities designed to attract large groups and premium bookings.

The O’Hara has a strong operating history across Airbnb and VRBO, generating $309,000 in 2025 revenue with $207,000 in go-forward bookings already on the calendar for 2026, and is professionally managed at below-market rates.

Underwritten for $292,000 in Year 1 revenue and a 7.87% cash yield, this off-market Mogul opportunity offers investors proven performance in a top-tier drive-to STR market, with a total equity offering of $990,781.

This is a rare opportunity in the Poconos, so make sure you check it out while it's still available.

INVEST TODAY

• Building on its controversial de-extinction of the dire wolf, biotechnology startup Colossal Biosciences has partnered with the United Arab Emirates to establish a first-of-its-kind "BioVault" at Dubai’s Museum of the Future. The $60 million initiative, announced during the World Governments Summit, will serve as a high-tech repository for the genetic material of over 10,000 animal species, utilizing AI-powered cryopreservation and robotics to safeguard against the escalating biodiversity crisis. There’s a lot more to this one, so if you have some spare time, I’d highly recommend reading more about it.
• Bill Gates responded to renewed scrutiny following the latest release of Jeffrey Epstein-related documents, acknowledging that his past association with Epstein was a mistake but firmly denying any wrongdoing. Gates said he regrets the meetings, calling them “foolish,” and emphasized that he has been transparent and cooperative, as the disclosures reignite public debate over Epstein’s ties to powerful figures despite no new allegations against Gates.
• Apple is dialing back its ambitious plans for a standalone AI-powered virtual health coach, opting instead to weave select features gradually into its existing Health app. Apple will repurpose elements like physician-trained AI recommendations, educational videos from its Oakland studio, and iPhone camera-based gait analysis for incremental rollouts as early as this year.

Mistborn: The Final Empire is a great starting point for Brandon Sanderson. It drops you into a grim world where ash literally falls from the sky and an immortal ruler has had everything locked down for a thousand years. The story follows Vin, a scrappy street kid who gets pulled into a crew planning a major heist.

The big hook for a lot of people is the magic system Sanderson created. People burn metals to do things like push and pull on metal objects, move faster, or sharpen their senses, and Sanderson makes it feel super visual and easy to follow. It also isn’t just cool for the sake of it, it just makes sense.

Ultimately, I love how this book (and the series) balance plot with character growth. Vin slowly learns how to trust people (and herself), the crew is really likable, and the ending pays off in a way that makes you want book two immediately the second book one is done. The Sanderson universe is great, well worth getting into.

⭐ 4.78 / 5.0 in my book (no pun intended)

1. “He's Mi and I'm Yu.”
2. “Happy birthday, sir. What are you, like, 200 today?”
3. “You are not my son”

The scaly-foot snail builds its shell using iron sulfide. Nature quite literally never ceases to amaze me whenever I learn about these facts

1. Rush Hour 3 (2007) Master Yu
2. 50 First Dates (2004) Henry
3. How to Train Your Dragon (2010) Stoick