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hey everybody economic ninja here I hope youre doing great got a great story out of Zero Hedge really embodying what is going on with the consumer right now and how bad things truly truly are its entitled home foreclosures and missed credit card payments surge as customers Buckle it says here in the first quarter of this year home foreclosure surged as reported by Property Data firm Adam following a two-year lull pandemic related housing assistance programs are now winding down homeowners who choose not to make monthly mortgage payments are now either negotiating new terms with the lenders selling their properties or as current trends suggest facing foreclosure let me stop there and say that one of the big trends in the uh you know Im behind in my payments help me sort of uh mode right now is banks are convincing borrowers to go to a 40-year product a 40-year fixed rate mortgage and the reason why is because even though the interest rate is higher than the standard 30-year rate mort