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DOJ Escalates Criminal Probe into Peltola’s ‘Decoy Dan’ Sullivan Scheme — Issues More Than 40 Grand Jury Subpoenas Days Before Alaska Senate Vote

Filed Under: THE NEWS

The Justice Department is ramping up its criminal investigation into the Democrat plot to plant a same-name candidate on Alaska’s U.S. Senate ballot in a bid to confuse voters and siphon support from Republican incumbent Sen. Dan S. Sullivan, issuing a wave of new grand jury subpoenas and records-preservation demands, according to multiple reports.
According to Reuters, federal investigators have issued more than 40 subpoenas and preservation requests, with additional demands expected.
The subpoenas reportedly reached both Peltola’s campaign and the campaign of Daniel J. Sullivan, the Republican candidate accused of serving as a potential spoiler.
According to sources cited by multiple outlets, federal prosecutors have issued dozens of new grand jury subpoenas and document-preservation requests, reports put the number at more than 40 or at least three dozen, targeting Democratic officials, Peltola’s campaign offices, and those connected to the second Sullivan.
Additional subpoenas were expected. No one has been charged, but DOJ officials have pointed to potential civil rights statutes (18 U.S.C. §§ 241 and 242) related to conspiracy or deprivation of voting rights.
The department also amended its existing civil lawsuit seeking to block certification of results if voter confusion from the dual Sullivans affects the outcome, incorporating details from the Times report and arguing the effort was a coordinated attempt to undermine the election.
Attorney General Todd Blanche, speaking on Fox News, did not mince words: “They are cheating! Let’s call it what it is, they are cheating. They are trying to take votes away from the incumbent… by putting up a person with the same [name] so they’d confuse Alaskans.”
He described the situation as fraud and said more from the Justice Department was coming. President Trump has publicly called for Peltola and the decoy candidate to face consequences, labeling the scheme voter fraud at the highest level and saying he directed the DOJ lawsuit.
Alaska Republican Gov. Mike Dunleavy ordered a parallel state investigation through the Department of Public Safety, writing that the Times reporting “reveals disturbing new evidence of an organized effort to manipulate Alaska’s elections by recruiting candidates, including one with the same name as an incumbent U.S. Senator, to deliberately confuse voters and misdirect their votes.”
He added: “Alaskans have a fundamental right to vote for the candidate they actually intend to support. Deliberately tricking voters into casting their ballots for someone else strikes at the integrity of our elections. Anyone or any organization found to have broken the law must be held accountable.”
The state probe builds on earlier Division of Elections findings. Peltola’s campaign and the DSCC have denied involvement in recruiting spoilers.

The post DOJ Escalates Criminal Probe into Peltola’s ‘Decoy Dan’ Sullivan Scheme — Issues More Than 40 Grand Jury Subpoenas Days Before Alaska Senate Vote appeared first on The Gateway Pundit.

Googling for Reddit answers is about to get harder

Filed Under: SUCCESS, The Street

A JUST IN post from Polymarket stopped my scroll recently: Traffic to top U.S. news websites is collapsing as AI replaces traditional search.

I immediately thought of Reddit Inc. (RDDT), the online forum where a Google search has long been the front door.

Axios data shows visits to top U.S. news sites are down about 30% from their 2024 peak. Reddit has now shown what that shift looks like inside one company.

On Thursday, Oct. 29, 2026, Reddit said it will move to a logged-in-only experience, according to its third-quarter shareholder letter.

Tests begin this quarter in select markets outside the U.S. A Google search that lands on a Reddit thread may eventually end at a sign-in screen.

Also read: Cramer points to rare Reddit buy opportunity amid Google AI threat

Google’s AI answers are closing Reddit’s front door

Co-founder and CEO Steve Huffman told analysts the change is a big one for him personally. He went further with CNBC, calling Reddit the last platform with basically unfettered logged-out access. “I’ve been holding that line,” he said.

Google broke that line. Reddit said search referrals fell meaningfully in the third quarter, then by more than 1 million a week on average in October. If that pace holds, daily users could shrink by a low double-digit percentage this quarter from about 130 million, the company warned.

Huffman blamed AI Overviews and AI Mode from Alphabet Inc.’s (GOOGL) Google, which answer questions on the results page.

“The reality is the AI mode does not drive traffic,” he told Citizens analyst Andrew Boone on the earnings call. He added that “Reddit” still ranks among Google’s most searched words, so demand has not faded.

Google’s own numbers hint at why it keeps users close. Search and other revenue grew 12% in the third quarter, according to Alphabet’s earnings release. A business growing at that pace has little reason to send its audience elsewhere.

Reddit plans to test a logged-in-only experience outside the U.S. after Google search referrals dropped by more than 1 million per week in October.SOPA Images / Getty Images

The visitors Reddit is losing pay the least

The traffic Reddit is losing is worth less than it looks. More than half of its daily U.S. users browsed logged out last quarter, the shareholder letter shows. Yet logged-in and app users generate more than 80% of Reddit’s monetization, Huffman wrote.

In other words, Google is mostly taking away the crowd that pays less than a fifth of the bills. Logged-in users also hand Reddit more signals for ad targeting, the letter adds.

Data is the other prize. Huffman told analysts the vast majority of scraping happens through logged-out access. With Google licensing talks still underway, CNBC reported, closing that side door strengthens Reddit’s hand.

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BofA splits software into winners and losers as AI agents arrive

Huffman said Reddit still wants visitors to get a taste of the site and shared links to keep working.

Only about 13% of eligible mobile web users see the prompt to download the app, the letter notes, leaving room to grow.

The most revealing line on the call came near the end. Huffman told Wedbush analyst Ygal Arounian that he expects total daily users and logged-in users to roughly converge over time.

Logged-in users totaled 53.5 million last quarter, against 130.3 million total, according to the letter.

That gap is the whole bet. If it closes through sign-ups, Reddit wins a smaller but far more valuable audience. If it closes through lost visitors, the headline user count could shrink for quarters, so investors should watch logged-in growth instead.

Wall Street cut targets despite a strong quarter

Strong results did not protect the stock. Reddit’s third-quarter revenue rose 53% to $895 million, according to the letter. Yet fourth-quarter guidance of $1 billion to $1.03 billion missed expectations, and shares dropped more than 15% after the release, CNBC reported.

That slide reaches index investors too, since Reddit joined the S&P 500 this quarter, the letter notes. Before the report, the stock was already near the bottom of its 52-week range of $119.27 to $263.50, according to StockAnalysis.

StockAnalysis put Reddit’s forward price-to-earnings ratio near 22.5 before the report. A 15% drop with unchanged estimates would pull that below 20. That looks cheap for a company still guiding to about 40% growth, unless users fall further than Reddit warned.

StockAnalysis shows a consensus Buy from 34 analysts, with an average target of $212.95. That predates Friday’s revisions, which included these, according to Investing.com:

Target halved to $150 from $300 at Needham, which kept a Buy rating.

Target cut to $135 from $190 at BofA Securities, which kept a Neutral rating.

Downgrade to Sector Weight from Overweight at KeyBanc, citing weaker search traffic.

Downgrade to Market Perform at Citizens, which cited slower user growth and fewer Google referrals.

Huffman left no doubt about direction. He told Jefferies analyst John Colantuoni the test will shape how Reddit makes the switch, not whether it happens.

The web’s oldest bargain is breaking down

For two decades, the web ran on a simple trade: Sites let Google read everything, and Google sent readers back. Reddit, the last big open holdout, is now ending it, according to its CEO’s account.

I have been seeing more sites complain about that broken trade lately, from big news outlets to small blogs that once lived on search clicks.

Axios reported that the slide is already pushing digital publishers into layoffs and consolidation. Reddit is the latest, and loudest, to stop waiting for Google to fix it.

Reddit’s tests outside the U.S. will show whether a sign-in screen builds loyalty or turns curious visitors away.

If the bet pays off, sites sitting on valuable archives will have a playbook to copy. Either way, the open web many of us grew up searching is getting smaller, one login prompt at a time.

More Stocks NewsServiceNow CEO makes striking ‘unicorn’ claim after $3M betMarvell may buy its own laser supplier as investors pull backJim Cramer has a new way of thinking about the biggest tech stocksStock Market Today (Oct. 30, 2026): S&P 500 sinks as Amazon, Intel losses shake Wall Street

Matt Robertson hauls in 20-pound bag to lead The Champions after Day 1 on Old Hickory Lake

Filed Under: THE NEWS

NASHVILLE — Old Hickory Lake isn’t handing out many favors this week. But apparently nobody told Matt Robertson.The Bassmaster Elite Series pro hauled in a five-fish limit weighing an impressive 20 pounds Thursday to take the lead after Day 1 of The Champions, a historic tournament pitting 30 Bassmaster anglers against 30 Major League Fishing pros for a record $3.25 million purse and a whopping $1.25 million first-place prize.CLICK HERE FOR MORE COVERAGE FROM OUTKICK OUTDOORSAnd on a lake that’s been downright stingy for much of the field, Robertson made it look almost easy.”It was a pretty good day. A little rough, but once we got to where we wanted to go, it happened pretty quick,” Robertson told OutKick OutDoors after Thursday’s weigh-in.”Caught two real quick, and then I started wanting to run around, but I just made myself sit there and grind it out. And yeah, we caught us a little bag today.”A little bag, indeed.Robertson’s 20-pound haul put him 4 pounds, 9 ounces ahead of second-place Fisher Anaya, who finished Thursday with 15 pounds, 7 ounces. MLF’s Michael Neal sits third at 13-09, followed by Bob Downey (13-07) and Bryant Smith (13-03).Anaya, meanwhile, had to work for his five-fish limit.”Oh, it was tough, but it was fun,” the Bassmaster rookie told OutKick OutDoors. “We caught three big ones, got two babies, but I think it’s enough to kind of settle me in for tomorrow, so I ain’t got to catch much.”But as the anglers hit the water again Friday morning, Thursday’s leaderboard offers no guarantees.One of the biggest wild cards heading into Day 2 is the tournament’s restriction on forward-facing sonar, commonly known as LiveScope.Anglers can use the technology on either Thursday or Friday, but not both. That means competitors who relied on their electronics to locate fish on Day 1 must go without them Friday, while those who saved their sonar day could have an advantage.BASS FISHING’S BIGGEST STARS BATTLE FOR RECORD $1.25 MILLION PAYDAY IN HISTORIC NASHVILLE SHOWDOWNAnd that’s where the top two anglers find themselves in very different situations.Anaya used LiveScope on Thursday, meaning he’ll have to fish without it Friday.”It’s going to make it tougher,” Anaya acknowledged.But with the field narrowing to 15 anglers for Championship Saturday, he’s more concerned about catching enough weight to survive the cut.”I think I’m going to need about anywhere from 5 to 7 pounds to make the cut,” he said. “So that’s what we’re going to swing for. Hopefully, we catch them better than that. But we’ll see.”Robertson, on the other hand, caught his tournament-leading bag without forward-facing sonar. That means he still has the option to use it Friday.Not that he’s particularly interested.”We didn’t use no LiveScope today. We’ll have it tomorrow, but not really planning on using it,” Robertson said. “So try to catch us one or two tomorrow and call her good.”And Robertson’s successful Thursday has apparently attracted some attention. After traveling through a navigation lock to fish beyond Old Hickory Dam on Day 1, Robertson headed back in that direction Friday morning — this time with several other anglers following him toward the lock.So yeah, the secret is out about that little honey hole.The stakes extend well beyond the two anglers at the top.Only the top 15 competitors after Friday’s weigh-in will advance to Championship Saturday, when weights reset to zero and the remaining anglers battle for the $1.25 million grand prize.And with much of the field struggling to find quality bites on Old Hickory, there’s very little room for error.After Thursday’s competition, Team Stars (Bassmaster) held eight of the top 15 positions, while Team Stripes (MLF) claimed seven. That advantage could easily change Friday as anglers adjust to the sonar restrictions and the difficult conditions.Reigning Bassmaster Angler of the Year Trey McKinney is among those facing a particularly tense second day. He finished Thursday in 16th place with 11 pounds, 1 ounce — just a single ounce behind Takahiro Omori, who currently occupies the final qualifying position.And while Robertson has built himself a comfortable cushion, the race to make Saturday’s final is considerably tighter.SIGN UP FOR THE DAILY OUTKICK NEWSLETTERFriday’s weigh-in begins at 4 p.m. CT at Sanders Ferry Park in Hendersonville, where the Champions Cup team winner will be determined and the final 15 anglers will punch their tickets to Saturday’s championship round.OutKick OutDoors is on the ground at Old Hickory Lake, bringing readers exclusive interviews, tournament updates and behind-the-scenes coverage of the richest competition in professional bass fishing.Follow OutKick OutDoors on Instagram, TikTok and YouTube for exclusive interviews, video highlights and coverage of The Champions all weekend long.

WATCH: NY’s Top Prosecutors Go Silent When Asked by a Reporter if They Ordered Lighter Charges for Illegal Aliens to Avoid Deportation

Filed Under: THE NEWS

New York Attorney General Letitia James, Queens District Attorney Melinda Katz, and Brooklyn District Attorney Eric Gonzalez went silent when a New York Post reporter asked them at a Thursday gun-seizure press conference whether they had ordered prosecutors to downgrade charges against illegal aliens so they could avoid deportation, as detailed in a recent House Judiciary Committee report.
The reporter specifically asked, “Did any of you order prosecutors to downgrade gun charges to keep illegal immigrants in the US, per the Judiciary Committee report?”
“This is a gun-safety question,” the Post reporter pressed. “Any response from any of you?”
James smiled and said nothing, Katz shrugged with her hands up, and staff quickly moved the event along after Katz muttered, “Our answer couldn’t help it.”
WATCH:

Thanks to Democrats, foreign criminals get special privileges in New York.
At a gun-seizure press conference, NY AG Letitia James, Queens DA Melinda Katz, and Brooklyn DA Eric Gonzalez went stone silent when a reporter asked about a House Judiciary report saying their offices told prosecutors to downgrade charges against illegal immigrants so they wouldn’t get deported.
They’ll hold a presser about guns but won’t answer when the same topic hits immigration consequences.
— I Meme Therefore I Am (@ImMeme0) October 29, 2026

After the presser, the attorneys again refused to address the House investigation, with James smiling without a word and Katz deferring to a spokesperson, according to a report from the New York Post.
The awkward, and seemingly guilty, silence came days after the House Judiciary Committee and its Subcommittee on Immigration Integrity, Security, and Enforcement released an interim staff report titled “New York City: The Dangerous Consequences of Sanctuary Policies.”
The report states that District Attorneys Melinda Katz, Darcel Clark, Alvin Bragg, Eric Gonzalez, and Michael McMahon ensure prosecutors give preferential treatment to foreign nationals based solely on their immigration status so that criminal aliens can avoid deportation and remain in the United States indefinitely.
It cites internal communications in which Katz directed prosecutors to “exercise extreme caution” and “not get caught up in the label of [f]elonies, [m]isdemeanors” when dealing with illegal immigrants, and notes that her office employs an “Immigration Specialist” to help craft “immigration-safe” plea deals.
For Bronx DA Darcel Clark, the report describes training on “Immigration-Conscious Plea Bargaining” that includes offering charges that do not include a child’s age as an element even in sex-crime cases involving minors, concealing facts from conviction records, and pursuing alternative or even “legally impossible” charges.
The report also details similar policies in Brooklyn, Manhattan, and Staten Island.
A spokesperson for Katz’s office later told the New York Post that the office charges any defendant with an illegal firearm the highest possible charge under the law, regardless of immigration status. They did not answer the original question.
The Judiciary Committee noted that the NYPD received nearly 10,000 ICE detainers in the past year and honored none, and that from July 1, 2018, through June 30, 2026, the NYPD received 20,255 detainers and honored none.
“Even after the American people resoundingly rejected Democrats’ pro-illegal alien policies in November 2024, Democrats across the country, including in Socialist-run New York City, reinforced sanctuary policies to ensure that the millions of illegal aliens who entered the U.S. are never removed from the country,” the committee wrote in a press release accompanying the report.

The post WATCH: NY’s Top Prosecutors Go Silent When Asked by a Reporter if They Ordered Lighter Charges for Illegal Aliens to Avoid Deportation appeared first on The Gateway Pundit.

Home Equity Sharing: Pros and Cons

Filed Under: Money.com, SUCCESS

Key Takeaways

An equity sharing agreement is a contract in which the homeowner agrees to sell a portion of their home’s future price appreciation in exchange for a lump sum from an investor. They do not require monthly payments.
The homeowner can buy back the investment by repaying the original investment amount plus a percentage of the home’s appreciated value. Most agreements require homeowners to settle up after a certain amount of time has passed or when they sell the house.
Investment amounts can range between $15,000 to $600,000 or more, and the funds can be used for any purpose.
You may have to repay much more money than you initially received if your home value increases significantly. The exact share you’ll owe depends on your agreement and the investor you choose.

Equity is a big benefit for homeowners. Build up enough of it, and you can borrow against your equity and turn it into cash, using it for things like home repairs, renovations, medical bills, college costs, or even paying off high-interest debts, like credit cards.
But most home equity products — including the ever-popular home equity loans and home equity lines of credit (HELOCs) — involve monthly payments and interest, which can eat into your cash flow and make it hard to pay off other debts simultaneously.
For homeowners who want to tap their equity without taking on more monthly costs, home equity sharing agreements are an option. These arrangements allow homeowners to access their home equity without technically incurring debt. Instead, they essentially sell a percentage of their home’s future value in exchange for an upfront lump-sum payment.
There are no monthly payments or interest charged, and the amount owed is repaid at the end of a set time period or when the homeowner eventually sells the house. There are drawbacks, though. Learn about these and other important details about home equity sharing below.

What is a shared equity agreement?
Equity-sharing agreements are similar to investing in the stock market. The investor buys “stock” in your home and expects its future value to increase. When the agreement’s term is up or the home is sold, the investor recovers their original investment plus a percentage of any gains in the value of the home. On the other hand, if the property loses value, the investor loses as well, just as you would if selling a stock that’s lost value.
Kenon Chen, executive vice president of strategy and growth at property analytics firm Clear Capital, says home equity agreements have grown in popularity in recent years because they let homeowners access their equity without taking out a loan. This can make accessing equity easier and help keep cash flow free. It can also help you avoid the high interest rates the home equity loans and HELOCs can sometimes come with.
“They can be a really good option for folks that maybe are not ready to be approved for a traditional [home equity] product,” Chen says.
However, these agreements are complex contracts and aren’t governed by the same regulations that apply to traditional mortgage and home equity lenders. While they can be a good option for some homeowners, they also carry several risks you need to understand. Before signing any agreement, make sure you fully understand the terms, conditions and your potential long-term costs.
The pros of home equity sharing
No monthly payments
The most enticing upside to signing a home equity sharing agreement is that you won’t need to worry about the product’s debt cutting into your monthly budget anytime soon. Unlike traditional home equity loans or lines of credit, you won’t need to pay back the money owed in monthly installments, but rather as a lump sum at the end of the agreement. This keeps your cash flow free and avoids financial stress—at least for the time being. You also won’t pay interest.
No upfront payments required
Equity sharing agreements typically carry fees similar to those of home equity loans and lines of credit, including closing costs and origination fees. However, many home equity sharing companies let you deduct these costs from the funds they pay out. You’ll receive less if you choose this route, but you won’t need a large upfront cash payment to complete the transaction.
Investment amounts can be large, and you can use the money for any purpose
How much money you can obtain from an equity sharing company will depend on your home’s value and how much future equity you’re willing to sell. Companies have varying minimum and maximum investment amounts, ranging from $15,000 to $600,000. Additionally, there are no limits on how you can use the money.
You don’t need great credit
With traditional equity products like home equity loans, your credit score and other financial factors play a big role. With home-equity sharing agreements, the investor primarily looks at the value of the asset (your home) — not your financial attributes. In fact, with some companies, you can have a credit score as low as 500 and still qualify. Others have no income requirements, either.
Payoff times can be lengthy
Some home equity sharing companies offer agreements as long as 30 years, so you have time to use the funds as needed, and repayment isn’t due for many years down the road.
The cons of home equity sharing
You could owe much more than you received
Your home’s adjusted value, not the full appraisal value, determines the amount you’ll receive upfront and will play a part in how much you’ll have to repay. Because many investment companies lower your home’s value with a risk adjustment, you may end up owing money on equity gains that never happened.
The appreciation multiplier will also increase the amount you’ll have to repay the investor when the agreement ends, resulting in a much higher payment than you may initially expect.
There may be restrictions on when you can sell your home, make improvements or buy back the agreement
Because you are entering a legal agreement with a company over the future value of your home, your agreement may include limitations on what alterations you can make to the property that could potentially devalue it. Some companies can also limit your ability to opt out of the agreement before the term ends or charge you penalties if you sell your home prematurely.
You may need to sell your home to repay the investment
At the end of the agreed-upon contract period, you will need to make a lump sum payment of the initial investment amount plus a percentage of any equity gained. You may be able to pay this sum before the end of the agreement term if you decide to buy out the contract or sell your home. For most homeowners, however, reaching the end of the contract will mean selling their home, refinancing or finding another source of funding to repay the investment.
Limited availability
Home equity sharing agreements aren’t widely available. The few companies that do offer them typically limit agreements to a specific number of states — anywhere from 15 to about 30, depending on the company. You’ll need to shop around to find what options, if any, are available in your region.
How does a home equity sharing agreement work?
In a home equity sharing agreement, the company you are in business with will start by getting an appraisal to determine your home’s value and how much equity you currently own. Once the assessment is in, the company will apply a risk adjustment to that value — essentially a downward adjustment to offset the risk of future equity losses. Unison, for example, applies a 5% risk adjustment as of September 2026. This means you start the agreement already owing part of the “appreciated” value — the gap between the risk-adjusted and actual market value.
Home equity share companies will also apply an appreciation multiplier — a pricing adjustment that increases the investor’s share of your home’s increased value. For example, Hometap applies a 1.65x multiplier on investments settled within a five-year period, and a 1.8x multiplier on investments settled after five years.
If the company buys 10% of your home’s equity, you will be responsible for repaying the initial investment amount plus 16.5% or 18% of your home’s appreciation.
Each home equity sharing company will apply its own multiplier. As of September, 2026, Unison states its multiplier is typically 4x the investment percentage. So, if you sign an agreement and they buy 10% of your equity with a 4x multiplier, they will receive the original investment amount plus 40% of the gained appreciation when the agreement is settled.
Are there tax implications with a home equity sharing agreement?
The money you receive from an equity sharing agreement is generally not treated as taxable income. It’s considered an advance against your home’s future value, not earned income. The IRS, however, has not issued any guidance specific to equity sharing agreements, so this treatment reflects an industry practice rather than settled law.
These agreements also carry none of the tax advantages of a home equity loan or line of credit. With those products, you can deduct the interest under the following conditions: if you itemize, if the home secures the loan, if your total home acquisition is under $750,000 and if the money was used to purchase, build or substantially improve the home. These rules were made permanent under the One Big Beautiful Act. Because a home equity agreement isn’t a loan and charges no interest, there’s no interest to deduct.
You may owe capital gains tax when you sell. The standard exclusions — $250,000 for single filers, $500,000 for married couples filing jointly — apply the same way whether or not you have an agreement, and the amount you pay the investor does not reduce your gain. For example:

Adjusted tax basis (purchase price plus capital improvements): $350,000
Sale price: $700,000
Gain: $350,000
Paid to equity sharing investor: $115,000

A married couple filing jointly excludes the full $350,000 gain and owes nothing. A single filer excludes $250,000, leaving a $100,000 taxable gain and roughly $15,000 in tax at the 15% long-term capital gains rate. Your actual rate, however, can be 0%, 15% or 20%, depending on your income. High earners may owe an additional 3.8% net investment income tax. In both cases, the $115,000 paid to the investor does nothing for your tax bill: it isn’t a mortgage payoff, it isn’t a selling cost and it doesn’t raise your basis.
This is a simplified example. Your actual gain would also be reduced by selling costs such as agent commissions. The exclusion applies only to a primary residence — not a second home or investment property — and you must have owned and lived in the home for at least two of the previous five years before the sale. Consult a tax professional before signing an agreement or selling to see how an equity sharing agreement could affect your tax obligations.
What happens if you can’t repay?
A home equity sharing agreement may not be a loan, but it shares some common features. The investment company can place a lien on the property, just as a mortgage lender would when issuing a loan. If you fail to meet the agreement’s conditions and terms, or are unable to make the final balloon payment to buy back your equity, you may be forced to sell the home or risk foreclosure.
Equity sharing agreements are considered options contracts and therefore fall outside the legal disclosure protections offered by the Truth in Lending Act and the Consumer Financial Protection Bureau, so you must ensure you fully understand all the costs associated with a home equity investment.
These agreements are also attached to the property and are assumable. If you die, your heirs can assume the agreement and repay it when the term ends, or exit the agreement by paying the investment company. In case of a divorce, whichever partner keeps the home either assumes the agreement or buys the investment back.

Home equity sharing FAQs
Is equity sharing a good idea?
Home equity sharing agreements can be a good idea if you have a lot of home equity and need to borrow cash without taking on another monthly payment. Just be aware that if your home increases in value by the time the money comes due, you could end up paying much more than you borrowed.
What is the downside to a home equity agreement?
The biggest downside to a home equity sharing agreement is that the home equity investor could end up taking a big share of your home’s appreciation if it grows in value by the time your agreement ends. They also may come with restrictions on how you can improve your home or when you can sell it.
How does a home equity share work?
Home equity sharing is when you sell a portion of your home’s equity to an investor in exchange for a lump sum payment plus a portion of your home’s future value. They’re offered through a variety of investment companies, including Unlock, Hometap, Unison and more.
Who is the best lender for a home equity agreement?
The best home equity sharing company depends largely on where you’re located, as most companies only operate in a handful of states. Your credit score, how much equity you have, how much you’re looking to borrow, and other factors should influence which home equity investor you choose, too.

Summary of Money’s home equity sharing: pros and cons
Home equity sharing is an option for homeowners who may not want to take on new debt, can’t meet the standards of a traditional home equity loan or are looking to access their equity without making monthly payments. However, there are risks: you will need to repay the investment amount plus a percentage of the value gained at the end of the contract period. Weigh your options and speak with a financial advisor before deciding if a home equity sharing agreement is right for you.

PBS/NPR Affiliated Alaska Public Media Performs Desperate Peltola Spin Control

Filed Under: Commentary Culture Investigations

YouTube Screenshot

Alaska Public Media is not just affiliated with PBS and NPR. When their federal funds were threatened, the Democrats put their CEO Ed Ulmer on the panel to testify before the House DOGE Subcommittee last year, as if the NPR and PBS CEOs weren’t enough.The assumption might be that a remote red state so distanced from the continent isn’t part of the Eastern media elite. Think again.  They performed such absurd propaganda on behalf of embattled Alaska Senate candidate Mary Peltola (D) as to reach Soviet levels of the ridiculously unsubtle. What happened is they went through the motions of claiming to have interviewed private citizens yet, amazingly, found none who did not support Peltola. Even the supposed Republican they interviewed claimed he was planning to vote Peltola.Propagandists Eric Stone and Hannah Flor performed their silly Orwellian act on Wednesday in “New York Times report on Democrats’ secret ballot-stacking effort draws mixed reactions from Alaskans.”Oh, they did include a couple bits of criticism of Peltola but that was only from a statement by a public figure, Alaska Senator Lisa Murkowski (R) and a from a spokesman for the campaign of Alaska’s other Republican senator Dan Sullivan (not to be confused with the other Dan Sullivan installed on the ballot by the Peltola campaign). With that out of the way it was a solid wall of love, Love, LOVE for Mary Peltola:Keven Kleweno, a registered Republican planning to vote for Peltola, said he was unsurprised by the news, given Republicans’ prior claims of Democratic involvement in Dan J. Sullivan’s campaign. “That’s nothing that we haven’t heard before,” he said.But at the same time, he suggested that Elisa Rios, Peltola’s former campaign manager who spoke to the Times about the campaign’s involvement, was a disgruntled ex-employee who “didn’t like being laid off.”“I just feel it’s another way to, you know, slander Peltola and try to make sure Dan worthless Sullivan is reelected,” he said.Could he have been one of those infamous “life-long” Republicans who, when quoted, always seem to support Democrats?Adam Lees of Anchorage is registered nonpartisan and supports Peltola. He said his opinions of the Senate race were already “mostly baked in.” Still, he said, the reported effort to stack the ballot is “not the best look.” “It does give — I think as some of the kids would describe it — icky vibes,” he said. “But at the same time, I think voters are intelligent and can figure out how to rank and can figure out which Dan Sullivan is their person.”Yup! Despite getting “icky vibes” this one is also a Peltola supporter.Amber McClelland, a registered Democrat and former Libertarian living in Anchorage, said she agreed. Politics wasn’t always this “dirty,” she said — recruiting a candidate just to draw votes away from an opponent “should not be a thing.”“It’s kind of messed up,” she said. “But in the past, Republicans have done everything that they can do to win, including cheat.” The Alaska Public Media then switches gears slightly from finding private people who all just so happen to support Peltola to highlighting those who vouch for the integrity of the Dan J. Sullivan who was selected to be on the ballot by the Peltola campaign:In Petersburg, residents who have known Dan J. Sullivan for decades had a hard time reconciling the picture the Times painted with the man they know. Erica Kludt-Painter said she doesn’t believe he worked behind the scenes with the Democrats to stack the ballot.“I just don’t see him being involved in a national conspiracy,” she said. “I’m sorry, I just don’t. I know him to be a man of integrity who cares about his community and the people in it.”Petersburg Vice Mayor Jeigh Stanton-Gregor said the community knows Dan J. Sullivan is a man of “high character,” and he doesn’t see the Times story changing anyone’s opinion of him. He said he was disappointed in the article. Alaska Public Media remained stubbornly true to liberal form by somehow not finding a single supporter of Senator Dan S. Sullivan (R) and ended with a flurry of yet more love for Peltola:D.J. McBride, an independent voter living in Willow planning to vote for Peltola, was taken aback by the suggestion that Alaskans couldn’t distinguish the senator from the retired teacher.“Both sides play pretty dirty pool, and if you’re stupid enough that you can’t tell the difference between an incumbent and a non-incumbent, I don’t have any patience for you,” she said. “Alaskans are smarter than that.”Fairbanks doctoral student Eric Evans said he was frustrated the controversy was drawing attention away from more important issues, such as the war with Iran. He said he had yet to make a final decision on who to vote for in the race.“I think it’s really, really unfortunate that the state Supreme Court of Alaska ruled on this months ago, and that this is what we’re talking about at this critical point in time, when, really, we should be talking about, how are we going to solve things?” he said.Geoff Kennedy, a retiree living in Anchorage who is registered as nonpartisan, said it was “absurd” to think Alaskans would be confused by the two Dan Sullivans. He said he didn’t expect the controversy to have much impact on the race.Mary Peltola critics? They seem not to even exist in the Alaska of the cloistered liberal bubble of Alaska Public Media.