Podcasts about auto loans

(For Entertainment Purposes only, always seek a qualified professional.) Support: PositiveSarcasm.com/Donate Segment 1: Credit Cards, Auto Loans, Medical Debt, College Debt. It's a hole that a person can dig themselves out of...but they can also avoid the hole almost entirely. It starts by pointing the finger at yourself. FREE STOCKS, IRA, CASH MANAGEMENT: https://a.webull.com/S4xAPPzv9rXFMdF8Q4 Sign up via my referral link now and claim up to 15 FREE stocks! https://j.moomoo.com/00EoSC Trade Stocks and Crypto Reward when you sign up: https://etoro.tw/47OmXMl PositiveSarcasm.com - 2014 Therapy for yourself, for couples, for teens: https://www.betterhelp.com/ If you are completely out of options: https://988lifeline.org/ Wellness guides: Mel Robbins: https://www.youtube.com/@melrobbins Dr. Jordan B Peterson https://www.youtube.com/@JordanBPeterson

In this special live episode of Owl Have You Know, James Weston, the senior associate dean for degree programs and Harmon Whittington Professor of Finance, reflects on his 25 years at Rice University.Join James and host Maya Pomroy '22 as they explore his journey from the Federal Reserve to Rice Business, the evolution of the school over the past two and a half decades, and his vision for the future of the university. They also dive deep into his groundbreaking research on racial disparities in auto loan pricing — a study that uncovered significant biases against minority borrowers. Plus, get the inside scoop on his experience running a bar in Rice Village.Episode Guide:01:20 James Weston's Career Journey04:25 Early Career and Mentorship08:56 Teaching Philosophy and Student Relationships13:52 Research on Auto Loans and Discrimination18:58 Linking Mortgage and Experian Data20:14 Evidence of Discrimination in Auto Lending22:48 Challenges in Passing Auto Lending Regulations24:00 The Realities of Owning and Operating a Bar30:24 Transition to Administration at Rice Business33:47 Reflections on a Diverse CareerOwl Have You Know is a production of Rice Business and is produced by University FM.Episode Quotes:How Dean James pursues scientific rigor34:50: [James Weston] I sort of view the thing that ties together all my papers as a foundational social scientist trying to measure things that are hard to measure. And so when I see things that I think have a lot of social import or a research question that I think has either a practical application or some large social question that I think needs answering, the fun for me is trying to figure out how to measure it and trying to come up with a clever way of identifying the research question in a way that's unambiguous and in a way that we can solidify and say, like, that's the answer. And I know it with as near scientific certainty as I can — you know, the existence of the Higgs boson particle.35:19: [Maya Pomroy] We can't get into that right now. Yeah. 35:33: [James Weston] But, but you know, but I'm saying, like, to treat it like a scientist.35:36: [Maya Pomroy] Yes.35:37: [James Weston] And study it like it's a real causal question. Yeah. And you attack it with the scientific method, and you attack it with the scrutiny and the scientific rigor that they use across campus.On pushing for transparency in auto lending23:20: My hope is that the Senate Banking Committee continues to take action on it, and we see more—just something similar to the Home Mortgage Disclosure Act, where auto dealers just have to report. They have a spreadsheet, and you just have to send it to the Fed the way every bank does with every mortgage application. And hopefully that transparency attenuates the discrimination the way it largely did in home mortgages. It took time. It was a 10-year process. It'll probably take that long on auto lending. And we're not the only voice in this choir. There's lots of other people now that are sort of jumping on the bandwagon.How Dean James views his new job role30:48: Moving into administration means, in my mind at least, it means I'm not working anymore. In the sense that I'm not executing the primary missions of the school, which are teaching and scholarship. And so I'm not teaching as much anymore, and I'm not doing as much scholarship anymore, which means I'd better be doing something to collect the paycheck. And the way I genuinely view it is that now I'm trying to enable the rest of my faculty to do better teaching and better scholarship. My role is as a service leader, which is how I view this job—as a tour of service, not a career pivot. I didn't take this job to then become dean someplace, to then become provost someplace, to then become Supreme Commander of University somewhere. But, like, it was someone else's turn to do this very important role, which is to coordinate all the programs, get the teaching schedules done, make sure I'm protecting junior faculty and their teaching loads, make sure I'm putting the right people into the right classes, making sure we're keeping track of it.Show Links: TranscriptThe Hidden Inequality in Auto-Lending | Rice Business WisdomGuest Profiles:James Weston | Rice University

FED Pivot in 43 Days?! Danielle DiMartino Booth returns to explain why the Federal Reserve may be forced into an urgent policy shift. In this explosive interview, Danielle calls out the true state of the U.S. economy, reveals the massive housing fraud no one is talking about, and explains why the next recession might already be here — even if the data says otherwise.We cover everything from student loans, consumer debt, and buy now, pay later madness to the hidden risks in the auto loan and real estate markets. Danielle shares why she believes the Fed will be forced into multiple rate cuts in 2025, how Jay Powell's narrative is breaking down, and what it means for investors, households, and the market.#FED #economy #stocks Use our exclusive link to save 20% off your first year of QI Annual Daily Feather Subscription:

Is the Auto Loan Market Breaking Credit Unions?With auto loan portfolios declining at record rates, credit unions are facing tough questions about their reliance on this market. Rising interest rates, changing consumer behaviors, and the younger generation's shift away from car ownership are reshaping strategies. From HELOCs to small business loans, discover how credit unions are adapting to fill the gaps.The Quest for Deposits: Cannabis, Cross-Selling, or Something New?Attracting deposits is becoming a steep climb as credit unions grapple with cost-of-funds challenges and rising competition. Unconventional strategies, including cannabis banking, cross-selling, and small business lending, are explored alongside hard lessons learned in ALM mismanagement. Are credit unions ready to compete with bigger institutions—or does a new playbook need to emerge?Succession Planning: The Silent Killer of Small Credit UnionsSuccession planning remains a persistent problem for credit unions, with issues ranging from board missteps to CEO complacency. Innovative approaches like fractional leadership and executive lending programs offer fresh perspectives on how small credit unions can prepare for the future.In this episode, hosts Joshua Barclay and Becky Reed welcome guest Jon Hernandez, CEO, CalCom, Mattel, Nikkei & Mabuhay CUs to discuss how credit unions can address these critical challenges—and chart a sustainable path forward.

In this episode of Making Cents of Money, we discuss the costs of car ownership and the impact it could have on your budget. Are you ready to see if you're prepared to purchase a vehicle? Tune in to learn more. Show Notes: MCOM Episode 74: Credit Reports Update: https://soundcloud.com/idfpr/episode-74-credit-reports-update?utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing MCOM Episode 70: The Impact of Compound Interest: https://soundcloud.com/idfpr/episode-70-the-impact-of-compound-interest?utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing Comparing Commute Costs Calculator: https://bicycleuniverse.com/car-free-millionaire/ Calculating Cost of Ownership • Edmund's True Cost to Own ® Calculator: https://www.edmunds.com/tco.html • What Is the Total Cost of Owning a Car? via NerdWallet: https://www.nerdwallet.com/blog/loans/total-cost-owning-car/ • Illinois Tollway Trip Calculator: https://ua.getipass.com/trip-calculator Can Your Budget Handle It? • Budgeting & Financial Planning episode list for Making Cents of Money: https://on.soundcloud.com/CJbxcrPsLRzCXVW78 • Budgeting Web Page from University of Illinois Student Money Management Center: https://www.studentmoney.uillinois.edu/learn/budgeting • You can also use something like this budget worksheet from the CFPB: https://files.consumerfinance.gov/f/documents/cfpb_well-being_monthly-budget.pdf Manufacturer vs Extended Warranties • CFPB Article, “What is the difference between a manufacturer's warranty and an extended vehicle warranty or service contract?”: https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-manufacturers-warranty-and-an-extended-vehicle-warranty-or-service-contract-en-825/ Title and Registration • ILLINOIS Registration Renewal and ID Cards: https://www.ilsos.gov/departments/vehicles/title_and_registration/regid.html • FAQ on Title & Registration in Illinois: https://www.ilsos.gov/departments/vehicles/faq.html • Buying or Selling a Used Vehicle Pamphlet from IL Sec of State: https://www.ilsos.gov/publications/pdf_publications/sos_dop141.pdf • Seller's Report of Sale Form: https://www.ilsos.gov/publications/pdf_publications/vsd703.pdf Don't Forget Monthly Costs • Edmund's True Cost to Own ® Calculator: https://www.edmunds.com/tco.html Two Types of Financing • CFPB's Take Control of Your Auto Loan Guide: https://files.consumerfinance.gov/f/documents/201606_cfpb_take-control-of-your-auto-loan-guide.pdf Know Your Resources • Kelly Blue Book: https://www.kbb.com • NADA Guides: https://www.nadaguides.com/Cars • Edmunds True Market Value: https://www.edmunds.com/tmv.html • CarFax History-Based Value: https://www.carfax.com/value/ Research & Compare • CFPB Auto Loan Worksheet: https://files.consumerfinance.gov/f/documents/201606_cfpb_auto-loan-worksheet.pdf • CFPB Site on Auto Loans: https://www.consumerfinance.gov/consumer-tools/auto-loans/ • FTC Used Cars Site: https://consumer.ftc.gov/features/used-cars • Prioritize debt repayment: https://powerpay.org/ Auto Loan Calculator Examples: • NerdWallet Car Loan Calculator: https://www.nerdwallet.com/blog/loans/car-loan-calculator/ • Bankrate Auto Loan Calculator: https://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx Know Your Credit • Get Free Weekly Credit Reports from Equifax, Experian, & TransUnion: https://www.annualcreditreport.com/ • Ep. 74 – Credit Reports Update: https://blogs.uofi.uillinois.edu/view/7550/1222872163 Insurance • State of Illinois Mandatory Insurance: https://www.ilsos.gov/departments/vehicles/mandatory_insurance.html Tips to Protect Yourself • FTC article: “Put the brakes on phony online car sales”: https://www.consumer.ftc.gov/blog/2019/06/put-brakes-phony-online-car-sales • Buying a Used Car from FTC: https://www.consumer.ftc.gov/features/feature-0040-used-cars

Stocks near record highs, as banks, industrials, and utilities all trade higher. Where investors are seeing opportunity outside of the Mag7. Plus a major warning sign out of the auto space, as underwater car loans grow. The numbers being reported, and what it could mean for the space. Fast Money Disclaimer

Vadim examines TransUnion data to discuss YoY trends in credit cards and auto loans. While subprime borrowers continue to drive overall DQ rates and credit card growth, regional analysis reveals significant weaker performance in certain states. In this episode, Vadim dives into a valuable metric, Average Excess Payment ("AEP"), which is an indicator of a consumer's ability to manage debt payment as it represents consumers who do not pay their credit card bills in full yet pay beyond the minimum required payment.Follow along with dv01's recent report here.Subscribe to our free research to stay up-to-date on the latest trends. Contact sales@dv01.co to learn how dv01 data can help you understand what's going on in the market, and to better analyze your whole loan portfolio and securitizations.

Welcome to the Car Dealership Guy Podcast. In this episode, I'm speaking with Amitay Kalmar, CEO of Lendbuzz where we discuss: Why consumer financing is broken in the US, Handling 1.5B in auto loans, Auto lenders pulling out of the market, Why Tesla loan performance is so puzzling. This episode of the Car Dealership Guy Podcast is brought to you by: CDK Global - Empowering dealers with the tools and technology to build deeper customer relationships. Learn more @ https://www.cdkglobal.com/dealership-xperience-platform Auto Hauler Exchange - The Auto Hauler Exchange has revolutionized the way vehicle haulers and vehicle shippers collaborate. The Exchange is the first digital marketplace of its kind in the vehicle logistics industry. Learn more @ https://www.autohaulerexchange.com/ LendBuzz - Expand access to credit with a simple and fast auto loan process that looks at you - not just your credit score. Learn more at https://www.lendbuzz.com/ Car Dealership Guy Industry Job Board - Connecting world-class talent with top-notch companies in Automotive. Find your next role—or start hiring today—at CDGJobs.com. Interested in advertising with Car Dealership Guy? Drop us a line here Interested in being considered as a guest on the podcast? Add your name here Topics: (00:00:00) - Intro (00:01:50) - Amitay's journey into auto (00:04:06) - What did you see that was broken in auto lending? (00:08:37) - What's the current state of auto lending? (00:12:12) - What are you trying to solve with LendBuzz? (00:14:36) - How do you create a profitable business model? (00:18:47) - How big is your target market? (00:20:53) - What trends are you seeing in loan performance right now? (00:24:21) - What's driving the growth in captives? (00:26:12) - The state of digital retailing concerning lending integration? (00:31:38) - Do you have any aspirations to branch into other areas of the industry? (00:33:24) - What's exciting to you these days? Check out Lendbuzz here. Check out the website for more (https://dealershipguy.com) and follow me on X @GuyDealership! (https://x.com/guydealership) This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions.

The credit union share of auto loans fell sharply in 2023, down almost 5% from 2022 numbers tracked by Experian.  Does this augur a grim future for credit unions when it comes to financing cars? Or was it a blip on the screen?On the show is Will Ely, a solutions architect at Earnix, where he consults with clients seeking more effective auto lending strategies.According to Ely, data is king of this mountain.  In particular he points to pricing analytics as the key to unlocking more and better loans.We also discuss why some credit unions have pulled away from indirect auto lending and, surprise, why super prime borrowers aren't always the best for a credit union.Listen upLike what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

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Is America now in recession, or within striking distance? DICK BOVE, chief financial strategist at ODEON CAPITAL GROUP, thinks so. As the US stock market skyrockets in anticipation of a series of interest rate cuts in 2024, BOVE sees huge trouble in sections of the US economy. Forget about the standard textbook definition of recession—two consecutive quarters of declining GDP—the cracks are already appearing. Negative equity on automobiles in America, for instance, is at the highest level in three years. (Two consecutive quarters of declines are not always applied in the designation of recessions today, according to MAT VAN ALSTYNE, recalling the most recent bouts of recession.) While investors anticipate rate cuts, BOVE says the Fed has muddied the waters with conflicting communications from Fed Chair Jerome Powell, and separate comments by Fed governors. "Investors don't care, they see inflation has come down and they see rates coming down," he added. BOVE is out with a new report. Who Owns the US Federal Debt? Who Will Pay For It? With the US National Debt at over $33 trillion and rising, deficit spending could hit some $2.2 trillion in fiscal 2023. Now foreign buyers of US Treasuries are scaling back, raising questions on who will step in. Meanwhile, the brutual war in Ukraine continues to grind on. "My view is that Russia is winning, " says BOVE, "not so much as in Ukraine but in the global financial system." Joining the CONVERSATION, our host, JOHN AIDAN BYRNE, outlines Putin's strategy for leveraging the exit of foreign companies from Russia to his advantange, a tax that has contributed to his nation's coffers. Questions & Comments: Podcast@odeoncap.com

Rebecca Bacon has loan paper to sell. Billions of dollars of paper.That's because she works with Upgrade, a San Francisco based fintech that issues credit cards, makes auto loans, writes personal loans and then it sells the paper to some 200 financial institutions, mainly credit unions says Bacon.Most are big - she names Pen Fed as a buyer - but Upgrade also works for small institutions too.If you want memberized paper, Upgrade is a provider.The company says on its website: “Our credit union partners utilize our flexible balance sheet solutions to solve for margin compression, balance sheet diversification, liquidity management, and income replacement.“We have facilitated $24 billion in loans, including over $9.5 billion in 2022 alone.”It's no news to you: many fintechs want to eat your lunch.Upgrade wants to share its lunch with you.Implementation of the tech is fast and easy, says Bacon. She explained that most FIs are active inside 30 to 60 days.And she estimates Upgrade has memberized around one million people.Listen upListen upLike what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Surprise, you're approved! Getting preapproved has several advantages. Before settling on one preapproval, you might want to get preapproved by several lenders to compare terms and ensure you are getting the best deal. Join our hosts, Jamie and Nicole as they explore and discuss preapproval loans that you may want to consider- from Auto Loans and Credit Cards to Personal Loans and Home Equity Loans.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Welcome to the latest episode of the Capitalist Investor podcast, where Tony, Luke, and Derek discussed some fascinating insights into the investment landscape! Today, we tried something different where we talked about five hot topics in five minutes each. Those topics include Bitcoin, Mortgage Backed Securities, Cash, Auto Loans, & U.S. Treasuries.Here are three key takeaways from this episode:  1️⃣ Move beyond traditional investments: Luke, Tony, & Derek explored three alternative ways to invest your money - treasuries, CDs, and lending through the bank. Treasuries, in particular, caught their attention as a low default rate option, but with varying durations from three months up to 30 years.  2️⃣ The Federal Reserve may have lost control: Despite the Federal Reserve not raising rates, yields increased by 1% over a month and a half. This surprising development suggests that the free markets are now pricing in the increasing and decreasing rates, highlighting factors like geopolitical conflicts, economic risks, and inflationary concerns. Prepare for potential significant and rapid movements in either direction.  3️⃣ Big changes in the housing market and beyond: The episode delved into the impact of various factors on the housing market, including the potential entry of Airbnb properties, risk-off periods, and high interest rates.  Tune in to the latest episode of the Capitalist Investor podcast to gain valuable insights and stay updated on the ever-changing investment landscape.

Dive into the riveting Part 2 of The Auto Authorities Podcast: "Unlock Your Wheels – Mastering Credit Scores for Easy Auto Loans!" with hosts Jay Grosman and Gerald Bentley. Prepare for eye-opening insights as they reveal the secrets to dispute your credit report effectively, ensuring maximum impact. Learn how to steer clear of credit rebuilding scams and gear up for car purchases armed with the best rates. Get ready for surprises that will leave you empowered and informed. Tune in now for a game-changing episode designed just for you!

Tune in to a heart-pounding episode of The Auto Authorities Podcast, titled "Part 1: Unlock Your Wheels – Mastering Credit Scores for Easy Auto Loans!", hosts Jay Grosman and Gerald Bentley take you on a captivating journey through the enigmatic world of credit scores. Hold on tight as they unravel the secrets behind credit score calculations and equip you with essential tips to elevate your score. Discover the keys to your dream ride by mastering the art of credit scores, ensuring smooth and effortless auto loans. Get ready for a thrilling ride towards financial empowerment!

This episode is brought to you by Prosper Mortgage Group, LLC  #OwnYourFutureNMLS 2490880  Equal Housing LenderBrett PopishNMLS 253202Check out the comparison report that is referenced by clicking on the following link:Total Cost AnalysisFollow me on X & Instagram @bpop80#BeDEFIANT

Today on the Daily News You Can Use, Ray and Zach review the latest ABS data from the major banks in the United States. What can we learn from their ABS habits? A lot! Tune in to learn more!

Mark Ritter is a passionate advocate for building better relationships and connecting people through credit unions. He understands the value of personal connections in the financial industry, and how they can be lost when banks merge or people move around. With over 125,000,000 Americans belonging to credit unions, Mark believes that these not-for-profit financial cooperatives are like unicorns in the industry, offering competitive rates and friendly terms to their members. While many people may associate credit unions with basic services like auto loans and ATMs, Mark knows that they can be a significant source of funding and liquidity for real estate investors. However, he realizes that there is a need to bridge the gap between real estate investors and credit unions. By facilitating this connection, Mark aims to bring financing opportunities and the unique benefits of credit unions to the forefront. What sets credit unions apart for Mark is the process. Unlike traditional lenders, credit unions engage in conversations with their members, ensuring that they fully understand their financial needs and goals. It's not just about submitting and approving loans; it's about building relationships and providing personalized support to members. Mark's mission is to promote and enhance the relationship between real estate investors and credit unions, allowing both parties to benefit from the competitive rates, friendly terms, and conversational approach that credit unions offer. Through his work, he hopes to help people fulfill their financial goals while fostering stronger connections in the industry.

US consumers are borrowing like gangbusters and spending heavily in a post-Covid world of destination travel, luxury purchases and more personal freedom. Yet there are signs consumers are also becoming tapped out as Covid savings evaporate and US household debt rises, a sum now hovering around $17 trillion. That could be a disaster for US banks, according to analyst DICK BOVE, chief financial strategist at ODEON CAPITAL GROUP. Many of the thousands of small to medium-sized US banks specializing in consumer lending, could be in the eye of a financial storm in our rising interest rate environment, BOVE says. "We'll see more failures," he adds, referring to a a group of approximately 3,500 lenders. In one telltale sign of consumer stress: A surge in negative equity in the auto loan sector. This rise in bad auto loans is being watched closely for the impact on several banks active in the sector. Meanwhile, Federal regulators have issued reports on a key rump of US banks following annual audits known as 'stress tests.' BOVE repeats an earlier warning that the tests do not properly sum up the latest financial health of the banks. "I am repeating my warning because the banks are in trouble," he says. Questions & Comments: Podcast@OdeonCap.com

Today on the Daily News You Can Use, Ray and Zach discuss the latest news from Automotive News that shows used car loan-to-value ratios increased to 125 in the first three months of this year from 104 for the same period in 2021. This is a huge mistake by banks!

Your 60-second money minute. Today's topic: Shorter Auto Loans

The finance office of car dealerships make the most money off you when selling vehicles.  Kevin Hunter, a consumer advisor in the car industry, says they are trained to throw on thousands of dollars of junk fees -- like window etching and destination costs -- when typing out your contract. Don't fall for the lies many salespeople and finance officers try to get away with the next time you need to purchase a new or used vehicle. Get more help from The Homework Guy YouTube channel.Best tip:  Negotiate from the comfort of your own home. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here.See omnystudio.com/listener for privacy information.

#117: Author and financial advisor Ben Carlson joins Chris to share insights on the current state of the market. They discuss the impact of aggressive Fed rate hikes and the unintended consequences, including the debt ceiling and regional bank collapses. Ben also shares his expertise on where to park cash, comparing I bonds, high-yield savings, short-term Treasury ETFs. Finally they offer strategies for buying a home and lowering mortgage payments in this high-rate environment. Ben Carlson (@awealthofcs) is a prominent figure in the financial world, recognized for his popular blog A Wealth of Common Sense that covers a wide range of financial subjects. He is an accomplished author of four books and the Director of Institutional Asset Management at Ritholtz Wealth Management, where he helps individuals and institutions navigate the complexities of investing and personal finance. He's also the host of one of my favorite podcast's Animal Spirits. Link to Full Show Notes: https://allthehacks.com/market-update-ben-carlson Partner Deals Eight Sleep: $150 off the Eight Sleep Pod to cool, heat, track, & sleep better DeleteMe: 20% off removing your personal info from the web StoryWorth: Share your family stories in a custom book (+ $10 off) Masterworks: VIP access to skip the waitlist Cold Plunge: $150 off The Ultimate Cold Plunge Ice Bath Resources Mentioned Ben Carlson: A Wealth of Common Sense | Animal Spirits Podcast | Twitter Ben's Books: A Wealth of Common Sense: Why Simplicity Trumps Complexity in Any Investment Plan Everything You Need to Know About Saving For Retirement Don't Fall For It: A Short History of Financial Scams Organizational Alpha: How to Add Value in Institutional Asset Management Finance Apps Quartr YCharts Yahoo Finance Koyfin Portfolio Visualizer ATH #42: Beating Inflation, Alternative Assets, and Simplifying Your Finances ATH #91: Die With Zero: Net Fulfillment Over Net Worth Historical Fed Funds Rates JP Morgan Study: The Agony & the Ecstasy 3.0 Treasury Direct: I bonds BiggerPockets Real Estate Podcast Tesla Auto Loan Spreadsheet Full Show Notes (02:26) The Current State Of The Markets (03:41) Reason Behind Aggressive (Unprecedented) Fed Rate Hikes (05:23) Unintended Consequences: Debt Ceiling and Regional Bank Collapses (06:54) Chris's Experience With SVB (10:03) Next Steps For Average Investors (11:13) Ben's Advice To Clients (14:10) Preparing Personal Finances For Recession (15:26) The Tech Recession (21:46) Classifications Of Tech Companies (24:32) The Role of Cash In An Investment Portfolio (26:33) What Happens When The Rates Drop? (28:57) The Duration Of Current Rates (30:13) The Use Of I Bonds (31:34) Investing in High Yield Savings vs. Short Term ETFs (33:47) The Need For An Emergency Fund (36:13) Exploring Future Employment Opportunities (37:19) Buying A Home In A High Rate Environment (40:53) Strategies To Lower Mortgage Payments (49:11) Maximizing Net Fulfillment (50:48) Optimizing The Home Buying Experience (52:53) Auto Loans (54:12) Credit Unions (55:00) Student Loans (55:48) Ways to Estimate Risk and Potential Upside (57:40) Ben's Recommendations For Financial Services Connect with All the Hacks All the Hacks: Newsletter | Website | Facebook | Email Chris Hutchins: Twitter | Instagram | Website | LinkedIn

Car Dealership Guy joins the NIA boys to discuss EVs, Tesla, Auto Loans & Lease vs. Own, and much moreTimestamps:(00:00:00) - Intro(00:01:51) - Car Dealership Guy's Background Story(00:03:22) - TLDR on the Importance of the Auto Industry to the Economy(00:09:38) - Car Dealership Guy's approach to Twitter(00:10:29) - The State of the Auto Industry's Inventory(00:14:01) - Are there any differences between cars?(00:16:22) - Inside look at the Used-Car Dealership Business(00:19:29) - Pros and Cons of Online Car Shopping(00:22:48) - Carvana Breakdown(00:25:12) - Why you shouldn't buy used German cars(00:28:58) - Are some cars more likely to be stolen?(00:31:12) - Lease vs. Own(00:34:48) - All Things Tesla(00:43:38) - Rapid Fire Questions(00:53:18) - Our Family Cars and First CarsWhat Is Not Investment Advice?Every week, Jack Butcher, Bilal Zaidi & Trung Phan discuss what they're finding on the edges of the internet + the latest in business, technology and memes.Watch + Subscribe on YouTube:https://youtu.be/aZthfrGfoowListen into our group chat on Telegram:https://t.me/notinvestmentadviceLet us know what you think on Twitter:@bzaidi@trungtphan@jackbutcher@niapodcastFollow NIA on social media:Instagram: https://www.instagram.com/notadvicepod/Facebook: https://www.facebook.com/profile.php?id=100089813414522TikTok: https://www.tiktok.com/@niapodcast Links Mentioned:Car Dealership Guy TwitterCar Dealership Guy PodcastCar Dealership Guy WebsiteThe Future of Automotive Retail Book Hosted on Acast. See acast.com/privacy for more information.

This video is about information that I recieved about some wild vehicle loans and the wild loan to value ranges that the banks will loan on new cars and used cars as well. I also had a very interesting conversation with @DailyDrivenExotics and some of the crew of @dailydrivenexoticsstories and was suprisied by their take on the exotic car market. Used car prices are staying high as some banks are extending car loan terms.

“Credit union members are not just borrowers or customers; they're more than that.” - Michael DippoThank you for tuning in to episode 52 of The CUInsight Network, with your host, Lauren Culp, Publisher & CEO of CUInsight.com. In The CUInsight Network, we take a deeper dive with the thought leaders who support the credit union community. We discuss issues and challenges facing credit unions and identify best practices to learn and grow together.My guest on today's show is Michael Dippo, SVP of Lender Placed Auto at SWBC. Michael began his career as a teller in college and he continues to add value to the financial industry with nearly 30 years at SWBC. The team at SWBC offers a wide range of insurance, mortgage, and investment services to financial institutions, businesses, and individuals so they can meet critical goals. Michael specifically works with SWBC's Collateral Protection Insurance (CPI) carriers to manage existing CPI programs and refine useful coverages for a better future.During our conversation, Michael talks about financial protection for credit unions and members. Much of his work is based in loan risk management and he shares how SWBC helps credit unions track insurance on collateral. Michael explains how insurance protects a lender's interest in the collateral they finance as well. The conversation explores current trends on loan risk in the financial industry, specifically changes within the auto industry.As we wrap up the episode, Michael talks about who he admires most, spending time with his family, and which non-profits he volunteers for and serves on the board. Enjoy my conversation with Michael Dippo!Find the full show notes on cuinsight.com.Connect with Michael:Michael Dippo, SVP of Lender Placed Auto at SWBCmdippo@swbc.comwww.swbc.comMichael: LinkedIn SWBC: Facebook | Twitter | LinkedIn | YouTube

Today on Daily News You Can Use, Ray and Zach are joined by Roman and Tommy from TFL. They discuss their channels, the auto industry, and the recent news that banks are selling off their loans QUICKLY. Tune in to learn more.

Watch this on YouTube! What did we learn from 2008? That banks will still give out ninja loans if they can repossess your assets. Follow us on Social Media! Twitter: https://twitter.com/stevebarton101 Contact Andy Schectman at Miles Franklin to order precious metals. Tell him you heard it on "In it to Win it" and Andy guarantees you the best price on silver and gold in the country. Precious Metals Steve Style: https://www.stevebartonmoney.com/contact-2 Website: https://www.stevebartonmoney.com/ Email: stevebartonmoney@gmail.com   DISCLAIMER: I am not a financial adviser, do not take this as financial advice. I only express my opinion based on my experience and your experience may be different. These videos are for educational and motivational purposes only. Investing of any kind involves risk. This is just what I am doing. AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at NO additional cost to you, the show may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact our opinion. We recommend them because they are helpful and useful, not because we are looking for the small commission. 

Show Summary: Do you have the systems in place to help you achieve your money and wellness goals?  Or do you, like many people, know what you want to achieve but are unsure how to get there or where to start?  If that sounds familiar, then this two-part series is for you!In Part 1, we will discuss the money systems we implement to simplify this process and ensure we meet our financial goals.In Part 2, we will cover all of Peter's favorite domains: health, nutrition, fitness, sleep, and of course, social!Stay tuned for Part 1, Next!Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro:Sarah and Gary confront Peter over his Wendy's Frosty key tag.Headline Of The Week:Apple's Tim Cook To Take 50% Pay Hit After Shareholder's FeedbackMoney Systems:Track Your FinancesCreate A Money Flow ChartAutomate As Many Of The Steps In The Chart As PossibleUse Direct DepositEnroll In Workplace Retirement Accounts & Have It Automatically DeductedCreate Multiple Bank Accounts For Savings, Fixed Bills, Variable Bills, & OtherUse Auto Bill Pay From All Of Your Lenders (Mortgage, Auto Loans, Credit Cards, Etc…)Auto Transfer Funds To Emergency Fund, Roth IRA's, And Other Savings VehiclesDecide On A Debt Paydown Strategy And Set Up Automatic Payments To Fit Your Plan (Snowball vs. Avalanche)Resources:Atomic Habits, James ClearAlly Bank Saving Buckets & BoostersTodoistWhy We Sleep, Matthew WalkerCalm AppApple FitnessLose ItMake Time, Jake Knapp & John Zeratsky

Various factors are contributing to a shortage of college students, forcing many schools to cut tuitions and reevaluate their relevance. This as state supported trade, technical and community colleges are challenged to better align curriculum to the needs of the workplace. Clark discusses the transformation in higher education, its value, and your new negotiating power. Also, Clark has the latest installment of the crimes and fines of Wells Fargo - a “bank” you'd do well to forego. Transformation in Education: Segment 1 Ask Clark: Segment 2 Again With Wells Fargo: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best 529 College Savings Plans By State What Is a Roth 401(k) and How Does It Work? How To Get the Best Price Possible Shopping Online NYTimes: Wells Fargo to Pay $3.7 Billion Over Consumer Banking Violations WSJ-Wells Fargo Reaches $3.7 Billion Deal With Regulators Over Consumer Banking CFPB Orders Wells Fargo to Pay $3.7 Billion for Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts | Consumer Financial Protection Bureau Credit Karma Review: Free Credit Score and More at Your Fingertips Clark.com Community Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We welcome Anna Escobar, the Consumer Loan Specialist at Gain Federal Credit Union to talk about Guaranteed Asset Protection (GAP) Insurance and Mechanical Breakdown Coverage (MBC), two insurance ideas that can help you out in case of an auto accident! To Know More visit TheBetterBankingPodcast.com Follow us on social: Facebook: GainCreditUnion Twitter: @GainFCU Instagram: @GainFCU The views and opinions expressed by hosts and guests of The Better Banking Podcast are not those of Gain Federal Credit Union. Gain is insured by the NCUA and an Equal Housing Lender. NMLS #407810.

In this episode of the Used Car Dealer Podcast, Zach interviews Melinda Zabritski, Senior Director of Automotive Financial Solutions at Experian. They discuss the average loan amount growth, credit union auto finance market share, and her speaking engagement at the upcoming NABD Super Forum.Some of the questions asked include:Q) So, as an ice breaker, Melinda, talk about what brought you into the auto credit space? Q) Discuss the average loan amount growth, and what that means for the industry? Q) What's happening with the credit union auto finance market share? Q) Are prime consumers opting for used vehicles, and why? Q) Talk about the average loan terms growing, and what that means for the industry? Q) Future's question, what new trends and changes do you see over the next 5-10 years coming to the auto credit side of the industry? Q) So, what is your speaking engagement at the upcoming NABD Super Forum focused on, and why should BHPH dealers attend this session?Q) Lastly, is there anything exciting you want to announce or plug Experian related? Listen to our other podcast episodes: https://www.sellyautomotive.com/podcastTranscribe of this podcast - https://blog.sellyautomotive.com/blog/interviewmelindazabritski2022State of the Automotive Finance Market Report - https://www.experian.com/automotive/auto-credit-webinar-formExperian Automotive Quarterly Trends Report - https://www.experian.com/automotive/auto-quarterly-trends

We welcome AJ Warna of Auto Expert to tell you how Gain's car shopping service can find, purchase, and deliver the right vehicle to you at the right price. Yes, we deliver and it's all FREE for Gain Members! To Know More visit TheBetterBankingPodcast.com Follow us on social: Facebook: GainCreditUnion Twitter: @GainFCU Instagram: @GainFCU The views and opinions expressed by hosts and guests of The Better Banking Podcast are not those of Gain Federal Credit Union. Gain is insured by the NCUA and an Equal Housing Lender. NMLS #407810.

Branch Manager Paul Stewart joins the podcast to talk about our flagship location, the Burbank headquarters!  We get an inside look at managing the staff, protecting the community, and serving, you, the member, through the good times, the tough times, and the really tough times. To Know More visit TheBetterBankingPodcast.com Follow us on social: Facebook: GainCreditUnion Twitter: @GainFCU Instagram: @GainFCU The views and opinions expressed by hosts and guests of The Better Banking Podcast are not those of Gain Federal Credit Union. Gain is insured by the NCUA and an Equal Housing Lender. NMLS #407810.

Caring for Employees Through Self Care E27 Culture is a hard thing to measure but that doesn't mean that it shouldn't be an area that companies continue to focus priority on. It might be hard to track culture with metrics (and things like self care for employees) but it is possible and your company will […] The post Caring for Employees Through Self Care E27 appeared first on Business RadioX ®.

In this episode we explore a segment of the economy not being talked about… auto loans. No everything is not a repeat of the big short but we do have a looming issue within sub prime auto loans and it is starting to come home to roost. Tune into the episode to understand why. --- Support this podcast: https://anchor.fm/gsc/support

What an auto loan is, how to get it and how to get a good deal!

Suspicious auto loan applications are on the rise, and in some cases are impacting unsuspecting consumers.  Find out how  fixing your credit may land you in jail. 

During this episode, the 2022 Lexus ES AWD sedan is reviewed; why battery swapping is growing in popularity for EVs; and Why car dealerships don't want your cash. 

Approximately 20 percent of all vehicle purchases are paid with cash.  Today's car dealers, looking to maximize every opportunity in this post pandemic world, are actively discouraging the use of cash, preferring to loan consumers the money.  Find out why. 

CEO of fintech startup Caribou Kevin Bennett joins Niki in the studio to lament the ‘double marginalizing experience' of buying a car – being treated like crap and paying for the privilege.. Luckily, his D.C-based company is here to help. 

We have been wondering for a day or so how Charmin did and how many people turned themselves into poop-mojis. With that, we are constantly reminded of the juxtaposition between social trends and political turmoil. Today we welcome back Michael Cirillo to the pod!Russia Invades UkraineRemember: keep your head up, but be kindAuto Loans extend to 6.5 & 7 yrs according to Experian ReportAverage used monthly loan up to $488/mo paymentsAverage amount financed up over $4kAverage new monthly loan up $65/moFord Ranger Raptor debuts90 second videoSpot has a unique spoken wordSign up for the ASOTU Daily Push Back email at https://www.asotu.com/Listen to other episodes: https://www.asotu.com/media/podcastsRead the most recent Daily Push Back email at: https://www.asotu.com/media/push-back-emailShare positive dealer stories: https://www.asotu.com/positivity

On this episode, The Hustle Smarter team spoke on the differences between auto loans and leases. Colin, also known as CO Chill, an original member of the Hustle Smarter team is now back locked in and here to stay. It was a great conversation, as Colin is a big fan of leasing and Graham doesn't believe in leasing, but it was a lot of great information that was passed along. Towards the end of the episode, Graham started converting over to entertaining the possibility of leasing as he is an avid car guy. This episode was entertaining but educational also as facts where laid on the table to debate either side of the argument. In conclusion, no one is right or wrong for the way they pay for their transportation, it is solely based off the financial situation of the buyer and their preference. Hope you enjoy this episode, and please give Colin a warm welcome by sharing and commenting if your listening platform allows. Please sign up for the Debt Payoff course and visit the site for consultations and merchandise at 1hustlesmarter.com  --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/thehustlelounge/support

On this episode, Kris and Hustle dug into auto loans and some of the secrets behind the process that Hustle found overtime when it comes to purchasing automobiles. Vehicles are the #2 reason why the culture doesn't have the capital to build wealth due to the average monthly payment of $4-500 not including the taxes and recurring regularly scheduled maintenance. While there is nothing wrong with purchasing a nice vehicle, one shouldn't become "vehicle poor" and not able to live life on their terms. The duo also dropped jewels on the process of finding their vehicle, staying away from 6-year loans which most car salesmen are selling to the customer, and if they are spending over a certain amount of money to ensure that is the vehicle that they could potentially see themselves driving for an extended amount of time in reference to the options of their choice and style of vehicle. This episode is for entertainment and educational purposes as we are not financial advisors and this is not financial advice. There will be a follow up to this episode in the future, and for any questions or comments or if you need any advice or help with purchasing an automobile, please email us at hustlesmarterllc@gmail.com or call/text 202-843-2553 for more information! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/thehustlelounge/support

Join us this month as the team talks auto loans with special guest Brenda, TFCU's AVP of Lending! They discuss how to get started applying for an auto loan, what goes into the decision process and more! Learn all about our auto lending services by visiting https://www.tauntonfcu.com/auto-loans Banking Made Easy with TFCU will tackle a different topic and offer their personal insights and understanding they've gained from working at a Credit Union. Listen & subscribe to our podcast, Banking Made Easy with TFCU by visiting https://www.tauntonfcu.com/podcast today!

Your host, Liz Saunders, speaks with Nicholas Hinrichsen, co-founder of WithClutch, about his knowledge of refinancing auto loans and how he became a business owner. Now if you got something out of one of our interviews, would you share this episode on social media? Just do a quick screenshot with your phone and text it to a friend or post it on your favorite social network. If you do that, tag us #LeverageToScale. What do you win? We're going to promote you and your business to ALL of our social media fans totally free. Next, if you thought this was a valuable use of your time, please support the show and give us a thumbs up, or a rating and review. We promise to read it all and take action.

Today's discussion, features, Jeremy Schneider, self-made multi-millionaire, retiree at 34 years old, and now founder of Personal Finance Club (@personalfinanceclub on Instagram), an organization built with the sole purpose of spreading the word that living below your means and investing early and often in index funds, is the most efficient and effective path to building wealth. Jeremy turned down a handsome offer from Microsoft 17 years ago, after interning as a software developer. Armed with a BS in computer engineering and a Masters in Computer Science from the University of Michigan, and with the help of his mom, grew Rentlinx.com, a rental property advertisement business, from a desktop under his desk in his living room, to a $5M dollar business, all while over the course of about a decade never paying himself more than a $36k salary. Jeremy is an absolute titan of personal finance, and his mission is to offer free, real deal no strings attached knowledge on how to make better financial decisions.Items we discuss on the episode:-The only (2) concepts you'll ever need to know about personal finance, spend below your means, and invest early and often-Ashley and Amanda, and other sample scenarios of how one can become a millionaire with a $4k after tax take home salary, by putting away $800/month over 40 years, vs the alternative - spending the entire $4k, and retiring into poverty living solely off of social security-The financial realities of buying a new car, and the working years that will be tacked onto the tail end of our lives to pay for it.-Why buying a home, is almost never a good financial decision. If you say it's the best investment you'll ever make, it is probably because it's the only investment you'll ever make.-We also end the discussion with topics ranging from student loan pay down strategies, debt consolidation, frugality, easy investment strategies, and actionable steps to improve your finances and to build a life of freedom.Thanks for listening!Ways to contact Jeremy:Instagram: https://www.instagram.com/personalfinanceclub/LinkedIn: https://www.linkedin.com/in/jerschneid/Books Discussed:The Simple Path to Wealth, by JL Collins: https://amzn.to/2TaVrWcThe Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market, by Jack Bogle: https://amzn.to/2LEhr7mA Beginners Guide to Investing, : https://amzn.to/3cAnjKVResources:Personal Finance Club Web Site: https://www.personalfinanceclub.com/Jeremy Schneider's YouTube Channel: https://www.youtube.com/channel/UCqhRZnzfUig6jtRVtYpV7EgFacebook Page: https://www.facebook.com/personalfinanceclub/Rentlinx.com: https://www.rentlinx.com/The Rule of 72: https://www.investopedia.com/financial-edge/0711/how-to-double-your-money-every-6-years.aspxFlorida Atlantic University and Florida International University faculty rent vs buy study: https://www.cnbc.com/2018/09/05/its-better-to-rent-than-to-buy-in-todays-housing-market.htmlhttps://business.fau.edu/departments/finance/real-estate-initiative/bhj-buy-vs-rent-index/MINT for budgeting: https://www.mint.com/YNAB for budgeting: https://www.youneedabudget.com/Statistics:National Credit Card Debt: https://www.debt.org/faqs/americans-in-debt/Auto Loans:https://www.lendingtree.com/auto/debt-statistics/US Consumer Debt: https://www.investopedia.com/personal-finance/american-debt-auto-loan-debt/Learn more at www.thedatabinge.comConnect with Derek:LinkedIn: https://www.linkedin.com/in/derekwesleyrussell/Youtube: https://www.youtube.com/channel/UCN1c5mzapLZ55ciPgngqRMg/featuredInstagram: https://www.instagram.com/drussnetwork/Twitter: https://twitter.com/drussnetworkMedium: https://medium.com/@derekwesleyrussellEmail: derek@thedatabinge.comInterested in starting your own podcast? Some candid advice here: https://www.linkedin.com/pulse/how-start-podcast-3-step-gono-go-beginners-guide-derek-russellShoutouts: Check out this LinkedIn LIVE collaboration with the hosts of the “More in Common Podcast”: https://www.linkedin.com/posts/derekwesleyrussell_mentalhealthawarenessmonth-culture-linkedinlive-activity-6669628486845521920-sREcInterested in More in Common? https://www.moreincommonpod.com/

Rob Black talks with The Real Estate Report host Tony Mendes about retirement, the Mortgage Meltdown, auto loans, FHA, ARM's, and solid ownership.See omnystudio.com/listener for privacy information.