Podcasts about subprime

The U.S. economy is headed for financial collapse. Repo market stress. Private credit market liquidity crunch. Subprime lending crisis. Spiraling deficits. Basis trade exposure. Dollar debasement. U.S. states in recession. Oil market contango. Tariff and trade wars. Each of these are like explosive devices hiding in the corners of the economic edifice that is the U.S. economy. And the Federal Reserve just released a shocking paper that exposes the biggest potential threat of all. Explosive devices have been set all around the economy and a new bomb was just uncovered in the most unlikely of places. Chapters Intro: 00:05:21 Chapter One: The Road to Economic Hegemony. 00:06:24 Chapter Two: Collision Course. 00:30:55 Chapter Three: Hidden Bomb. 00:35:50 Chapter Four: Bring It Home, Max. 00:44:50 Resources The Lead Left: Middle Market & Private Credit – 2/10/2025 Mark Zandi on X Axios: 22 states are in a recession or close to it, new analysis finds The Fed: The Cross-Border Trail of the Treasury Basis Trade FSB: Leverage in Nonbank Financial Intermediation: Final report Morningstar: Official data dramatically underestimates hedge funds' involvement in the Treasury market, Fed paper finds Federal Reserve Bank of New York: Repo Operations Fidelity: Investor behind Zions, Western Alliance bad loans is tied to $270 million in troubled debt Car Dealership Guy: Tricolor: The messy collapse of a subprime auto lender explained Investopedia: Basis Trading: Definition, How It Works, Example The Guardian: What is private credit, and should we be worried by the collapse of US firms? OilPrice.com: Oil Market Braces for Contango and Shale Slowdown -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts and Spotify: unftr.com/rate and follow us on Facebook, Bluesky, TikTok and Instagram at @UNFTRpod. Visit us online at unftr.com. Join our Discord at unftr.com/discord. Become a member at unftr.com/memberships. Buy yourself some Unf*cking Coffee at shop.unftr.com. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibility. Unf*cking the Republic is produced by 99 and engineered by Manny Faces Media (mannyfacesmedia.com). Original music is by Tom McGovern (tommcgovern.com). The show is hosted by Max and distributed by 99.Support the show: https://www.unftr.com/membershipsSee omnystudio.com/listener for privacy information.

We have a couple more names to add to our fast-growing list of shadow banking casualties. And, yes, collateral is once again the common theme. One of them is of course in subprime auto financing, but that's just another canary in the credit coalmine. The other has been accused of fabricating half a billion of collateral invoices. Half a billion. Fake collateral.Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider---------------------------------------------------------------------------------------------------------------------WSJ Bankrupt Telecom Business Accused of Fraud in Receivables Financinghttps://www.wsj.com/articles/bankrupt-telecom-business-accused-of-fraud-in-receivables-financing-0370b4fdBloombergLaw Factoring-Firm Affiliate Files Chapter 11; Up to $1B Liabilitieshttps://news.bloomberglaw.com/bankruptcy-law/factoring-firm-affiliate-files-chapter-11-up-to-1b-liabilitiesFreightWaves Factoring companies squeezed by slowing shipper payments: Alsobrookshttps://www.freightwaves.com/news/factoring-companies-squeezed-by-slowing-shipper-payments-alsobrooksBloomberg BOE's Bailey Warns ‘Alarm Bells' Ringing in Private Credithttps://www.bloomberg.com/news/articles/2025-10-21/boe-s-bailey-warns-of-financial-crisis-echoes-in-private-credithttps://eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

The market is sending mixed signals, so what does that mean for buyers and sellers right now? Prices are cooling toward neutral, new listings are finally creeping up, pending sales just slipped, and days on market are the longest since 2019. We sort through the latest data so you can read your local market with clear eyes. A government shutdown is already touching housing. With the National Flood Insurance Program paused, some coastal and riverine deals are stalling as buyers struggle to bind coverage. We explain one potential workaround by assigning an existing policy, plus how many closings could be delayed if the lapse drags on. Zooming out, we track fresh signs of consumer strain. Subprime auto delinquencies are at a record, average car payments now top 750 dollars a month, and sentiment has split sharply between households with big stock portfolios and those without. Several states are flirting with recession risk, which could tug mortgage rates lower, while sticky inflation could keep them pinned. In This Episode We Cover Cooling home prices, rising days on market, and what a near-flat Case-Shiller trend means for offers and list strategy The shutdown's housing ripple effects, including the flood insurance lapse and an assignment tactic that may keep deals alive Why pending sales dipped even as new listings rose, and how to negotiate in a thinner buyer pool Auto loan stress, four-figure car payments, and what these budget pressures mean for future housing demand A tale of two consumers, plus a state-by-state look at recession risk and how that feeds into mortgage rates Action steps for buyers, sellers, and investors in a market that is cooling, not crashing Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Dave's BiggerPockets Profile   Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/on-the-market-364⁠   Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Shoot us a Text.Episode #1168: Today we're covering how top dealerships are building stronger workplace cultures, why subprime auto delinquencies are rising, and how Ferrari's first EV aims to keep its signature sound authentic.The Automotive News 2025 Best Dealerships To Work For study reveals what separates top employers from the rest — and it's more about people than paychecks.Winning dealerships excelled in communication, transparency, and trust — 88% of employees said they're “kept aware of the dealership's financial status” vs. just 65% at nonwinners.They lead with fairness: 92% of employees at top stores felt “paid fairly,” and were satisfied with their benefits, compared to 71% elsewhere.Flexible work options are gaining traction, with 48% of Best Dealerships offering four-day workweeks and 79% offering flexible hours.Health and wellness programs were a hallmark — 70% offered fitness reimbursements, and 75% trained managers to spot stress and burnout.“You build trust through being transparent,” said Tim Bergstrom, CEO of Bergstrom AutomotiveThe top dealership to work for in 2025 is Capitol Nissan Salem of the Capitol Auto Group, but we have some friends on the list including Mohawk Honda, 6 from the Rohrman Auto Group, 2 from the Matthews Auto Group and nearly 40 from Bergstrom AutomotiveThe U.S. auto market is showing signs of financial strain as more buyers fall behind on car payments. Rising prices, higher interest rates, and stagnant wages are hitting lower-income consumers hardest.Nearly 14% of new-car buyers now have credit scores below 650 — the highest share since 2016, according to J.D. Power.More than 6% of subprime auto loans are 60 or more days delinquent, a record high, Fitch Ratings reports.Roughly 1.7 million vehicles were repossessed last year — the most since 2009.Lender Tricolor Holdings filed for bankruptcy, underscoring the strain on borrowers with limited credit access.Ferrari's first EV, the Elettrica, won't fake the sound of a V8 — it's creating a new, authentic electric soundtrack. The brand's engineers designed a system that amplifies real motor vibrations to create a natural, emotionally engaging tone.Ferrari rejected synthetic engine noise and instead amplifies genuine drivetrain frequencies through a sensor on the rear axle.The sound activates only when the driver calls for torque, offering “dialogue between driver and car.”The system, developed in-house, works like an electric guitar — converting real vibrations into an audible, performance-linked tone.Ferrari hasn't yet revealed the sound to the public, though early testers reportedly praised it.0:00 Intro with Paul J Daly and Kyle Mountsier1:35 New Auto Collabs Episode with Michael Kraut of ExpJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Danielle DiMartino Booth, CEO and Chief Strategist at QI Research, joins Julia La Roche in-studio following the Fed minutes. In this episode, DiMartino Booth highlights how the Fed quietly reclassified nearly $300 billion in loans on a Friday afternoon with no comment, shifting them from stodgy commercial categories into the "black box" of non-depository financial institution (NDFI) lending now totaling $1.7 trillion. She draws parallels to Enron as First Brands bankruptcy exposes what appeared to be an auto supplier was actually a financial using off-balance sheet vehicles, with subprime delinquency rates likely double reported figures. Elsewhere, Booth warns youth unemployment hit 1988 levels but from lack of demand not supply as companies blindly adopt AI without hiring, leaving the Class of 2025 worse off than 2024. She argues gold has become a "meme stock" with Wall Street firms' price targets signaling contrarian risk, while the government shutdown leaves the Fed "flying blind" without official data for their October 29th meeting.Sponsors: Monetary Metals: https://monetary-metals.com/julia⁠ Links: Danielle's Twitter/X: https://twitter.com/dimartinobooth Substack: https://dimartinobooth.substack.com/ YouTube: https://www.youtube.com/@DanielleDiMartinoBoothQIFed Up: https://www.amazon.com/Fed-Up-Insiders-Federal-Reserve/dp/07352116550:00 Hawkish Fed minutes - knife in Miran's back1:44 Fed insider on Miran controversy2:48 Did Fed want September cut?5:08 Shutdown means Fed flying blind October6:04 Gold and NASDAQ flying - unusual7:03 Gold as meme stock - contrarian warning9:50 NDFI loans - $1.7 trillion black box12:21 $250B loan reclassification bombshell13:14 Fed reclassified quietly on Friday14:17 First brands like Enron revelation16:21 Off balance sheet financing returns18:25 Subprime delinquencies likely double20:15 Is this systemic? Fed doesn't know21:28 Fed won't move without official data22:22 Challenger data horror at Fed24:52 Charts need gray recession bars25:12 Fed put born October 198727:32 Youth unemployment demand crisis30:02 AI adoption without hiring32:24 Parents worry kids made redundant33:20 First five years determine career35:48 Not sending kids to college37:11 Put faces on repo statistics38:47 Markets masking K economy39:01 Lowercase i economy concept

WWJ auto analyst John McElroy reports car loan delinquencies are causing some concern. (Photo: Getty Images)

- Tesla Q3 Sales Stun Critics - Cybertruck Selling in Middle East - BYD Outsells Tesla in BEVs - BYD Fleet Capable Of 1 Million Exports/Year - Sub-Prime Car Loans Send Warning Signs  - American Car Buyers Want $5,000 Discounts on EVs - Nissan To Launch Robotaxis In Japan - EU Calls for AV Strategy - Wuling Launches New Brand, Moves Upscale - S. Korean Workers Return to U.S. Battery Plant

- Tesla Q3 Sales Stun Critics - Cybertruck Selling in Middle East - BYD Outsells Tesla in BEVs - BYD Fleet Capable Of 1 Million Exports/Year - Sub-Prime Car Loans Send Warning Signs  - American Car Buyers Want $5,000 Discounts on EVs - Nissan To Launch Robotaxis In Japan - EU Calls for AV Strategy - Wuling Launches New Brand, Moves Upscale - S. Korean Workers Return to U.S. Battery Plant

Andy Mayers sees opportunity in subprime and other parts of auto finance. The associate vice president of business operations for retail solutions with Cox Automotive explained his reasons during this episode of the Auto Remarketing Podcast. Mayers also mentioned another part of the business where dealers and lenders are working even closer together nowadays.

Neste episódio bônus de Stock Pickers, Lucas Collazo explica a história da crise de 2008. Foi o ano em que o Lehman Brothers quebrou, a bolha imobiliária estourou e o mundo esteve a horas de um colapso financeiro total. Entre personagens como Michael Burry, Steve Eisman e Greg Lippmann, que apostaram contra o mercado e foram retratados no filme A Grande Aposta, e a queda dos gigantes de Wall Street, o episódio mostra como uma crise imobiliária quase destruiu o sistema global.Entre resgates bilionários, decisões polêmicas do Fed e do governo americano e a perda de confiança que paralisou mercados e empregos, a crise deixou cicatrizes profundas e lições que continuam atuais. Um episódio especial para entender o que realmente aconteceu em 2008, o impacto que ainda ecoa no mercado financeiro e a pergunta que não quer calar: qual (e quando) será a próxima bolha? 

For more information on 21shares and to sign up for their newsletter, visit https://bit.ly/3JTI4GQSubscribe @21Shares on YouTube: https://www.youtube.com/@21sharesFollow @21Shares on Instagram: https://www.instagram.com/21shares_/Follow @21Shares on Linkedin: https://www.linkedin.com/company/21shares-us/Follow @21Shares on X: https://x.com/21Shares_US----------------------------------------------------------------Sign up for our webinar on the Hidden Truth Behind Interest Rates:https://webinar.eurodollar-university.com/home----------------------------------------------------------------Everyone has been abuzz about Tricolor's bankruptcy. The subprime auto lender has already created hundreds of millions in losses and for some of the biggest banks. But the real story here isn't those hundreds of millions, rather the trillions in debt that is priced on financial variable that's otherwise impossible to pin down. Tricolor's bankruptcy just might shed some light on it. Will the financial world like what it could find?Eurodollar University's Money & Macro AnalysisFifth Bank 8-Khttps://www.sec.gov/ix?doc=/Archives/edgar/data/0000035527/000003552725000185/fitb-20250905.htmBloomberg Tricolor Trustee Targets 100,000 Auto Loans Stuck in Limbohttps://www.bloomberg.com/news/articles/2025-09-18/tricolor-trustee-seeks-control-over-100-000-subprime-auto-loansWired Recipe for Disaster: The Formula That Killed Wall Streethttps://www.wired.com/2009/02/wp-quant/https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDUDisclaimerThis video is sponsored by 21Shares. The information provided in this video is for educational and informational purposes only and should not be considered financial or investment advice. Investing involves risk, including the possible loss of principal. Products mentioned may not be available in all jurisdictions, and their suitability will depend on your individual circumstances. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.Eurodollar University's Money & Macro Analysishttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

The recent collapse of Tricolor Holdings, a subprime auto lender in Texas, has left a trail of losses and questions from Wall Street to low-income immigrant communities throughout the American south-west. The FT's US banking correspondent Akila Quinio, and Amelia Pollard, US investment correspondent, explain what they've found.Clip from Fifth Third- - - - - - - - - - - - - - - - - - - - - - - - - - For further reading:Tricolor collapse sparks concern about health of US subprime auto sectorDebt linked to collapsed subprime auto lender Tricolor tumblesJPMorgan and Fifth Third face losses tied to collapsed subprime car lender- - - - - - - - - - - - - - - - - - - - - - - - - - Follow Amelia Pollard on X (@ameliajpollard) and Bluesky (@pollard.bsky.social) and Akila Quinio on X (@akilazoe). Michela Tindera is on X (@mtindera07) and Bluesky (@mtindera.ft.com), or follow her on LinkedIn for updates about the show and more.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Shoot us a Text.Episode #1154: Ford gets creative to close Q3 with a subprime rate push on F-150s. New Jersey locks in fair pay for techs doing recall work. And Chick-fil-A jumps into the specialty drink race with a fresh new concept.Show Notes with links:Ford is making a bold push to close Q3 strong by offering promotional interest rates to subprime borrowers—an unusual but calculated move that underscores growing affordability challenges in the new vehicle market.The deal, ending this month, allows buyers with credit scores below 620 to access the same low rates typically reserved for prime borrowers.Ford is targeting this incentive to move more F-150 pickups, which now range from $39K to nearly $80K.With average monthly payments nearing $750 and interest rates at 6.4%, the brand sees affordability as a top barrier to closing deals.Extended terms of 72–84 months are increasingly common, and Ford's finance arm says only 3–4% of its 2024 loans qualify as “higher risk.”“We wanted to provide the opportunity to those with credit ratings that may not be perfect,” a Ford spokesperson said. “This could help offset rising monthly payments.”New legislation in New Jersey is giving dealership service departments a major boost—ensuring fair pay for recall and warranty work while holding automakers more accountable.The “Motor Vehicle Open Recall Notice and Fair Compensation Act” takes effect April 2026.Manufacturers must reimburse at retail labor rates, not discounted warranty rates.Automakers must also pay 1.5% monthly of book value for any “stop sale” or “do not drive” recall units sitting on lots.Illinois saw an annual $249M increase in warranty payouts after passing similar legislation.“This legislation represents a critical step forward… and ensures that automakers fairly compensate those who fix their mistakes,” said NJ CAR President Laura Perrotta.Chick-fil-A is entering the specialty drink wars with a new concept called Daybright, a standalone beverage-focused brand launching near Atlanta later this fall.Daybright will feature smoothies, cold-pressed juices, and specialty coffees—no chicken sandwiches here.Operated by Chick-fil-A's innovation arm, Red Wagon Ventures, the concept joins earlier spin-offs like Little Blue Menu and Pennycake.The new brand enters a booming beverage space already being chased by McDonald's, Taco Bell, and Wendy's.Competitors like 7 Brew and Dutch Bros have seen triple-digit growth as Gen Z flocks to drink-first concepts.0:00 Intro with Paul J Daly and Kyle Mountsier1:07 Huge Launch Announcement at MoreThanCars.com2:20 ASOTU Edge Webinar TODAY at 2PM on Cost-Cutting3:10 Ford Offers Low Rates To Sub-Prime Buyers5:29 New Jersey MandJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

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Tricolor Auto Acceptance's chapter 7 bankruptcy filing on Sept. 10 has led to ratings downgrades for the financier and talks of potentially wider implications for the buy here, pay here and subprime markets.  The Texas-based buy here, pay here retailer and lender closed its dealerships in tandem with its filing for liquidation.  Since then, ratings agencies Kroll Bond Ratings Agency, Moody's Ratings and S&P Global placed their ratings on Tricolor securitization transactions under watch for potential downgrades. Backup servicer Vervent Inc. is also prepping to takeover servicing of Tricolor's portfolio.  Tricolor's closure could spark a ripple effect for small subprime lenders, especially after subprime lender Automotive Credit Corp. also indefinitely paused all originations Aug. 7. For floorplan lenders, bankruptcies can lead to hundreds of millions of dollars in losses and trigger efforts to recoup losses tied to remaining assets.  In this episode of the “Weekly Wrap,” Auto Finance News Editor Amanda Harris, Senior Associate Editor Truth Headlam and Associate Editor Aidan Bush discuss the ramifications of Tricolor Auto's bankruptcy. 

Nonbank auto lenders may soon have a reason to celebrate, following a proposed rule change by the Consumer Financial Protection Bureau to how it defines larger participants of the auto market. On Aug. 7, the bureau filed an advanced notice of proposed rulemaking to change the definition of a larger participant in auto to nonbank entities with up to 1.1 million aggregate annual originations, an increase from 10,000. This followed the CFPB's July 14 motion filed with the Office of Management and Budget which would rule on the request. The change, if approved, would reduce the number of financiers considered larger participants to five from 63, according to the notice. Traditional lenders and nonbank entities would still be subject to state laws even if they are no longer under CFPB jurisdiction.  While this unfolds, lenders are also working to seize opportunities in the market.  Auto lenders are continuing to lean into refinance programs on the heels of stabilizing interest rates and consumers' search for affordability and better loan terms. Subprime lender Arivo Acceptance Chief Executive Landon Starr told Auto Finance News that the company is ramping up its refinance program with a goal of $60 million in average monthly origination volume. In fact, TransUnion estimates 18 million consumers, or 23% of borrowers with open auto loans, have interest rates that exceed the average APR in the industry.  Also, average vehicle transaction prices jumped 5.2% year over year in the second quarter to $31,216, according to an Edmunds report published Aug. 12. In this episode of the “Weekly Wrap,” Auto Finance News Senior Associate Editor Truth Headlam and Associate Editor Aidan Bush discuss trends across second-quarter bank earnings for the week ended Aug. 15.  

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Wash of the Origin hangover and lets find some value. On the show:Accountability Tigers v RaidersWarriors v PanthersDolphins v KnightsRabbitohs v StormBroncos v SharksRoosters v CowboysEels v TitansUnit Scooper & Hot SeatWhatever you bet on, Take it to the Neds Level. Visit: https://www.neds.com.au/Prices subject to change. What's gambling really costing you?. Set a deposit limit.Join the Neds About Even Group: www.neds.com.au/hosted-group/DRIBBLER Eligibility requirements apply. T&Cs apply and available on website. Follow us on insta @abouteven_ Hosted on Acast. See acast.com/privacy for more information.

Third-generation dealer Paul “PS3” Sansone III joins the Blue-Collar Twins to share how Sansone Jr's Auto Group balances 67 years of family tradition with social-media hustle, deep-subprime financing, and a brand-new Keyport Kia store. From rent-to-own experiments that became New Jersey Auto Lending to “Motivational Mondays” that fire up 25 salespeople, Paul explains the systems—and the mindset—that keep customers, staff, and community in his corner. Buzz EP 206 Paul Sanson… You'll hear: Subprime Mastery – why PS3 built an in-house “lease-here, pay-here” bank that boosts FICO scores by 140 pts on average.EZ Referral & TikTok Lives – turning marathon streams and a debit-card referral app into steady showroom traffic.Rent-to-Own Origins – the 2008 light-bulb moment that reshaped the family's finance model.Keyport Kia Dream – taking an 11-year college project from paper to grand-opening on June 9th.Motivational Mondays – money-green pants, weekly goal-setting, and the “trust the process” mantra.Giving Back – 400-meal Basket Brigade, Hope-for-a-Ride car giveaways, and why single moms stay top of mind.Next-Gen Vision – ten rooftops, nationwide DMS software, and keeping the Sansone name alive for 100 years. From PE Teachers to Pest Control Owners: The Julio Twins Share Their POTOMAC Experience https://youtu.be/HAx9noqsqTo https://www.linkedin.com/in/paulgiannamore www.potomaccompany.com https://bluecollartwins.com Produced by: www.verbell.ltd Timestamps (podcast.co-ready) 00:00 – Cold-open: beach-club memories and the “hot lifeguard” origin story 00:50 – Lifelong car passion & selling hot dogs at the dealership as a kid 03:35 – Sansone family tree: 67 years, three generations, five rooftops 05:55 – Breaking the “snaky car-sales” stereotype with relationship selling 07:00 – Daily training: every up is a coaching moment 08:35 – Presidents-Award Kia store & handing the desk to a new GM 11:00 – Rent-to-Own concept after the 2008 crash 12:45 – Birth of New Jersey Auto Lending: turning renters into owners 14:40 – Hope-for-a-Ride car giveaways to single moms 16:55 – Inside the lease-here, pay-here model and 75 % repeat business 19:10 – Building the Keyport Kia project first dreamed up in college 22:30 – Dealer-Controlled Solutions: exporting their DMS & finance playbook 25:20 – COVID's inventory roller-coaster—down to four cars on the lot 29:20 – Basket Brigade: 400 Thanksgiving meals in Neptune 30:35 – Motivational Monday videos & money-green-pants culture 33:00 – Social media plans with a full-time content team 35:25 – AI's future role in lead follow-up and CRM speed 38:00 – Family dynamics: clear lanes for dad, brother Michael, and cousin Steven 41:00 – Driving the 2025 Kia Telluride vs. a Range Rover—value breakdown 43:40 – Keyport Kia soft opening June 9 and summer car-giveaway promo 47:00 – Final advice: love your employees, community, and customers—success follows 50:00 – Outro and Masterclass CTA

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog and author of "Inflated: Money, Debt and the American Dream," returns to the show with a monthly update on markets and the economy.Sponsors: Monetary Metals. https://monetary-metals.com/julia Kalshi: https://kalshi.com/juliaIn this episode, Whalen argues the Fed's easy money era is over, with no rate cuts coming this year and traditional monetary policy failing to help Main Street. He warns of a "silent subprime crisis" brewing in multifamily real estate and sees stagflation ahead - low growth with persistent inflation eating away at real purchasing power. Whalen advocates for gold as protection against currency debasement and explains why recession odds have dropped to 27% despite structural economic challenges from commercial real estate to student loan repayments as pandemic-era programs wind down.Links:    Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/   Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Timestamps:00:10 - Introduction of Chris Whalen 02:11 - Big picture market outlook and elevated interest rates 04:30 - No rate cuts coming this year discussion 05:38 - Trump's "big beautiful bill" and Senate dynamics 06:17 - Fed balance sheet reduction and inflation persistence 08:02 - Silent subprime crisis in multifamily real estate 09:13 - Mixed bag stock market outlook explanation 10:42 - Recession probability13:20 - Real estate opportunities and putting deals together 14:04 - Jay Gould and Jim Fisk arbitrage between gold and paper 16:57 - Fed's 2% inflation policy and its impact on savers 18:20 - Gold as anti-dollar hedge discussion 19:38 - Fall of fiat and return to sound money debate 21:00 - Why dropping rates no longer stimulates Main Street 22:13 - Chris's proposal to freeze government spending 24:11 - Banking system fluff and lack of credit demand 25:46 - Real vs nominal growth and stagflation 27:43 - Fannie Mae and Freddie Mac conservatorship discussion 30:00 - Closing thoughts and where to find Chris's work

COVID-era programs that concealed credit reporting and scoring are expiring. Mortgage credit specialist John Comiskey joins Michael Green and Harley Bassman to reveal what has been swept under the rug.For more information, https://www.simplify.us. Questions about the content discussed in this video? Please contact info@simplify.us.Simplify Asset Management Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Simplify Asset Management Inc. and its representatives are properly licensed or exempt from licensure. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the advisor has attained a particular level of skill or ability. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This content is not intended to provide investment, tax, or legal advice. This content is solely for informational purposes and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. These materials are made available on an “as is” basis, without representation or warranty. The information contained in these materials has been obtained from sources that Simplify Asset Management Inc. believes to be reliable, but accuracy and completeness are not guaranteed. This information is only current as of the date indicated and may be superseded by subsequent market events or for other reasons. Neither the author nor Simplify Asset Management Inc. undertakes to advise you of any changes in the views expressed herein.

This week, Adam McKay directs an all star cast as we enter the thrilling world of the United States housing bubble, which, spoiler alert, caused a global financial crisis in 2008. Subprime mortgages and synthetic collateralized debt obligations ensue - it's THE BIG SHORT!We talk all things Cast, Production and Plot, and for our game this week Carl has decide which actors are Bigger or Shorter than each other.You can read our reviews of other movies on Letterboxd - Look for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CarlMTN⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SiMTN⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Bluesky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to our YouTube Channel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Let us know what you think: hello@mtnpod.com

Today's podcast is titled “The 2008 Subprime Mortgage Crisis.” Recorded in 2008, Dennis McCuistion, former Clinical Professor of Corporate Governance and Executive Director of the Institute for Excellence in Corporate Governance at the University of Texas at Dallas, speaks with a panel of finance and banking professionals about the credit and subprime mortgage crisis and their predictions about a recession or depression.  Listen now, and don't forget to subscribe to get updates each week for the Free To Choose Media Podcast.

Today's show features: Bill Vaughn, General Manager of Al West Nissan, Ed Petersen, CEO of Wrench, Ryan Knight, Director of Operations at Knight Automotive Group. This episode is brought to you by: BizzyCar – How are top dealers keeping service profits high—even in uncertain times? They're using BizzyCar—the “easy button” for turning recall opportunities into real revenue. Built by dealers, for dealers, BizzyCar's AI-powered Recall Management and Mobile Service Platform helps service departments reengage lost customers, fill service bays, and boost revenue. Try BizzyCar today and get a special offer only for CDG listeners at https://carguymedia.com/bizzycar Wrench – Want to boost your gross profits by selling prepaid maintenance, without a service center? This new offering levels the playing field between independents like me and the big dealers. Wrench TotalCare lets you offer mobile maintenance plans—oil changes, tire rotations, even brakes—all done at your customer's home. Your customers get convenience. You get more revenue on every deal. And if you're using DealerCenter, it's already built into your workflow for seamless upsells.Not on DealerCenter? No problem. Visit https://carguymedia.com/wrench_ddl and start earning on every deal today. Interested in advertising with Car Dealership Guy? Drop us a line here: ⁠⁠https://cdgpartner.com⁠⁠ Interested in being considered as a guest on the podcast? Add your name here: ⁠⁠https://bit.ly/3Suismu⁠⁠ Check out Car Dealership Guy's stuff: CDG News ➤ ⁠⁠⁠https://news.dealershipguy.com/⁠⁠⁠ CDG Jobs ➤ ⁠⁠⁠https://jobs.dealershipguy.com/⁠⁠⁠ CDG Recruiting ➤ ⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠ My Socials: X ➤ ⁠⁠⁠https://www.twitter.com/GuyDealership⁠⁠⁠ Instagram ➤ ⁠⁠⁠https://www.instagram.com/cardealershipguy/⁠⁠⁠ TikTok ➤ ⁠⁠⁠https://www.tiktok.com/@guydealership⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠https://www.linkedin.com/company/cardealershipguy/⁠⁠⁠ Threads ➤ ⁠⁠⁠https://www.threads.net/@cardealershipguy⁠⁠⁠ Facebook ➤ ⁠⁠⁠https://www.facebook.com/profile.php?id=100077402857683⁠⁠⁠ Everything else ➤⁠⁠⁠ dealershipguy.com

In this episode of the Real Estate Pros podcast, host Dylan Silver interviews Bo Belmont, founder of Bellwood Investments, who shares his journey from subprime lending to becoming a successful real estate investor and entrepreneur. Beau discusses his early experiences in the fix and flip market, the challenges he faced, and how he transitioned to creating a fractional real estate investment platform that democratizes access to luxury real estate. The conversation highlights the importance of education, community involvement, and innovative security measures in real estate investing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

This is an excerpt from a livestream in which I answered chats relating to Real Estate topics and the housing financial crisis. Across The Socials @TheAndresSegovia & Twitter/X @_AndresSegoviahttps://TheAndresSegovia.comAll Affiliate Links: https://theandressegovia.start.page

This is an excerpt from a livestream in which I answered chats relating to Real Estate topics and the housing financial crisis.Across The Socials @TheAndresSegovia & Twitter/X @_AndresSegoviahttps://TheAndresSegovia.comAll Affiliate Links: https://theandressegovia.start.page To hear more, visit theandressegovia.substack.com

1. FHA Loan (Federal Housing Administration Loan)Credit Score Requirement: As low as 500 (with 10% down) or 580+ (with 3.5% down).Best For: First-time homebuyers and those with lower credit.Pros: Low down payment, flexible credit requirements.Cons: Requires mortgage insurance premiums (MIP).2. VA Loan (Veterans Affairs Loan) (For eligible military members & veterans)Credit Score Requirement: No official minimum, but lenders may require 580-620+.Best For: Veterans, active-duty military, and qualifying spouses.Pros: No down payment, no private mortgage insurance (PMI), competitive interest rates.Cons: VA funding fee required.3. USDA Loan (United States Department of Agriculture Loan)Credit Score Requirement: 580+ preferred, some lenders may allow lower.Best For: Buyers in rural or suburban areas with low-to-moderate income.Pros: No down payment, lower mortgage insurance costs.Cons: Must meet income and location eligibility.4. Subprime or Non-Qualified Mortgage (Non-QM Loans)Credit Score Requirement: 500-620+ (varies by lender).Best For: Borrowers who don't qualify for conventional loans.Pros: Flexible underwriting standards, alternative income verification.Cons: Higher interest rates and fees.5. Conventional Loan (With a Non-Traditional Lender)Credit Score Requirement: Typically 620+, but some lenders allow lower with compensating factors.Best For: Borrowers with a higher down payment or strong income history.Pros: No upfront mortgage insurance if you put 20% down.Cons: Stricter credit requirements, PMI required if

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:

Terminamos con la serie de tres vídeos para desentrañar las causas y cosecuencias de la Gran Recesión. En este tercer análisis, reflexionamos sobre las políticas keynesianas con las que los Estados trataron de reflotar la economía.✍️ Este vídeo está apadrinado por Mintos. En esta plataforma, puedes invertir en el mercado de préstamos (titulizaciones) desde tan sólo 50 euros. Infórmate en: https://bit.ly/Mintos_Rallo_M25Al registrarse con el código GO-RALLO, podrán ganar entre €25 y €200 al ivertir a partir de €1500 hasta el 31 de marzo (sujeto a condiciones). Disclaimer: El contenido de este Canal de YouTube tiene fines únicamente educativos y en ningún caso suponen recomendaciones de inversión o asesoramiento financiero. Hazte miembro en: https://plus.acast.com/s/juanrallo. Hosted on Acast. See acast.com/privacy for more information.

Seguimos con la serie de tres vídeos para desentrañar las causas de la Gran Recesión. En este segundo análisis, reflexionamos sobre las razones que provocaron la quiebra del sistema financiero global.✍️ Este vídeo está apadrinado por Mintos. En esta plataforma, puedes invertir en el mercado de préstamos (titulizaciones) desde tan sólo 50 euros. Infórmate en: https://bit.ly/Mintos_Rallo_F25Disclaimer: El contenido de este Canal de YouTube tiene fines únicamente educativos y en ningún caso suponen recomendaciones de inversión o asesoramiento financiero. Hazte miembro en: https://plus.acast.com/s/juanrallo. Hosted on Acast. See acast.com/privacy for more information.

Auto lenders are keeping an eye on loan production, credit performance and vehicle prices as tariffs loom. Subprime lender Credit Acceptance Corp.'s originations ticked up 0.3% year over year in the fourth quarter to 78,911 loan assignments as the financier grew its number of active dealers.  Negative equity and rising delinquencies continue to be a concern for auto lenders as consumers navigate changing vehicle values and inflationary pressures.  Meanwhile, looming tariffs against Canada and Mexico are expected to drive car prices higher, likely exacerbating dealers' challenges related to supply, profit margins and sales. In this episode of “Weekly Wrap,” Auto Finance News Editor Amanda Harris and associate editors Ashley Savage and James Van Bramer discuss nationwide trends affecting the automotive industry and key updates for the week ended Jan. 31. 

A new book posits that the roots of the rise in crime in East New York, Brooklyn, can be linked directly to a subprime mortgage scandal decades earlier. Author Stacy Horn discusses her new book, The Killing Fields of East New York: The First Subprime Mortgage Scandal, a White-Collar Crime Spree, and the Collapse of an American Neighborhood.This segment is guest-hosted by Tiffany Hansen.

We continue our episodes of the Auto Remarketing Podcast originating from Used Car Week 2024 in Scottsdale, Ariz., with an executive panel moderated by Jennifer Martin of the National Automotive Finance Association. Discussing the subprime market, expectations for this year and more were Doug Busk of Credit Acceptance, Manish Chhabra of Ally and Sharon Mancero of Agora Data.

Comenzamos una serie de tres vídeos para desentrañar las causas de la Gran Recesión. En este primer vídeo, reflexionamos sobre las causas de la burbuja inmobiliaria.✍️ Este vídeo está apadrinado por Mintos. En esta plataforma, puedes invertir en el mercado inmobiliario desde tan sólo 50 euros. Hasta el 31 de enero, los nuevos inversores disfrutarán de un bono de bienvenida de hasta 500 euros (sujeto a condiciones). Infórmate en: https://bit.ly/Mintos_RalloJ25Disclaimer: El contenido de este Canal de YouTube tiene fines únicamente educativos y en ningún caso suponen recomendaciones de inversión o asesoramiento financiero. Hazte miembro en: https://plus.acast.com/s/juanrallo. Hosted on Acast. See acast.com/privacy for more information.

In this episode, we start by discussing the Bank of Canada's final rate announcement of the year. Will it be another 50bps cut, or will they ease up with just 25bps? We break down the economic data driving each case, including GDP contractions, inflation surprises, and the impact on the Canadian dollar. We also discuss Scotiabank's fourth-quarter results—what went wrong with their targets, where they're showing stability, and why provisions and write-offs are key metrics to watch. Plus, we analyze Intel's CEO “retirement,” its struggle to regain dominance in chip manufacturing. Finally, we touch on Goeasy and Affirm Holdings' latest results, exploring what their growth and delinquency data reveal about the health of Canadian and global consumers.  Tickers of stock discussed: GSY.TO, BNS.TO, AFRM, INTC Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon's twitter: @Fiat_Iceberg Braden's twitter: @BradoCapital Dan's Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor  Spotify - The Canadian Real Estate Investor  Web player - The Canadian Real Estate Investor Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Shoot us a Text.We're rooting for a great end to the month as we enter Thanksgiving week. Today, we're talking about how Hyundai and Amazon's online retail platform could enter its next phase in January, how Wall Street investors are still bullish on auto loans and how this week signals a new level of danger for drivers.Show Notes with links:Thank Dan Shine for having us on Fridays Daily Drive PodcastHyundai's online retail platform with Amazon faced setbacks from the CDK cyberattack but is now on track for a January pilot phase launch. Despite technological and operational hurdles, dealers are increasingly optimistic about the program's potential.Over 80% of Hyundai's 841 dealers expressed interest in the platform, signaling strong support.Hyundai addressed dealer concerns, ensuring sales remain tied to the dealership, not Amazon.The CDK outage disrupted over half of Hyundai's dealer network, delaying progress.Other challenges include trade-in valuation and flexible financing options.Hyundai CEO Jose Munoz said that “Customers want to go to the dealer to get the car themselves. That's one of the reasons why a lot of dealers have seen this not as a competition, but as something that reinforces their sales.”Investors are doubling down on auto loans, even as rising delinquencies signal financial stress for consumers. Wall Street remains bullish, betting on a strong economy to balance the risks.Subprime auto bonds sales surged to $40B in 2023, up 17% from last year.Investor demand is immense; some bond deals are oversubscribed by 20x.Auto bond yields have tripled since 2021, with low-grade bonds offering 6%.Delinquencies, now at 3.8%, are the highest since 2010, affecting low-income borrowers most.Analysts argue that car payments are prioritized; “You can live in your car, but you can't drive your house,” says Daniel Liesener.Thanksgiving week sees a sharp rise in distracted driving, making it one of the riskiest travel periods of the year. Peak travel times amplify those dangers with increased phone use and speeding.Thanksgiving Day distraction rates soar 18% higher than a typical Thursday.Speeding doubles during Thanksgiving week, contributing to additional crashes.The Wednesday before Thanksgiving sees distraction up 7%, peaking on the holiday itself.Distraction is highest from 9:00 a.m. to 1:00 p.m. on Thanksgiving Day, dropping during typical dinner hours.“Early morning travel offers safer conditions,” highlights the report, urging caution.Hosts: Paul J Daly and Kyle MountsierGet the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/ Read our most recent email at: https://www.asotu.com/media/push-back-email

What do numerous over-hyped product launches, massively subsidized compute, over extended investment, lack of customer adoption, unwillingness to pay extra, enormous and increasing costs, and total dependence on a few massive players have in common? The big tech Ai industry! Today we dive into a fantastic breakdown of the state of the ai market, and the potentially dismal financial forecast for the poster child of Ai success, OpenAi. Is there really a massive market here that supports 100 billion dollar investments ongoing? Or is it all smoke and mirrors with a very uncertain future. Check out the original article by Edward Zitron at wheresyoured.at (Link: https://www.wheresyoured.at/subprimeai/) Host Links ⁠Guy on Nostr ⁠(Link: http://tinyurl.com/2xc96ney) ⁠Guy on X ⁠(Link: https://twitter.com/theguyswann) Guy on Instagram (Link: https://www.instagram.com/theguyswann) Guy on TikTok (Link: https://www.tiktok.com/@theguyswann) Guy on YouTube (Link: https://www.youtube.com/@theguyswann) ⁠Bitcoin Audible on X⁠ (Link: https://twitter.com/BitcoinAudible) The Guy Swann Network Broadcast Room on Keet (Link: https://tinyurl.com/3na6v839)

What do numerous over-hyped product launches, massively subsidized compute, over extended investment, lack of customer adoption, unwillingness to pay extra, enormous and increasing costs, and total dependence on a few massive players have in common? The big tech Ai industry! Today we dive into a fantastic breakdown of the state of the ai market, and the potentially dismal financial forecast for the poster child of Ai success, OpenAi. Is there really a massive market here that supports 100 billion dollar investments ongoing? Or is it all smoke and mirrors with a very uncertain future. Check out the original article by Edward Zitron at wheresyoured.at (Link: https://www.wheresyoured.at/subprimeai/) Bitcoin Audible & Guy Swann Links ⁠Guy on Nostr ⁠(Link: http://tinyurl.com/2xc96ney) ⁠Guy on X ⁠(Link: https://twitter.com/theguyswann) Guy on Instagram (Link: https://www.instagram.com/theguyswann) Guy on TikTok (Link: https://www.tiktok.com/@theguyswann) Guy on YouTube (Link: https://www.youtube.com/@theguyswann) ⁠Bitcoin Audible on X⁠ (Link: https://twitter.com/BitcoinAudible) The Guy Swann Network Broadcast Room on Keet (Link: https://tinyurl.com/3na6v839) Check out our awesome sponsors! HRF: The Human Rights Foundation is a nonpartisan, nonprofit organization that promotes and protects human rights globally, with a focus on closed societies. Subscribe to HRF's Financial Freedom Newsletter today. (Link: https://mailchi.mp/hrf.org/financial-freedom-newsletter) OFF: The Oslo Freedom Forum (OFF) is an international human rights conference series hosted and produced by the Human Rights Foundation (HRF). Bringing together the world's most engaging human rights advocates, journalists, artists, tech entrepreneurs, and world leaders, we aim to share their stories and brainstorm ways to expand freedom and unleash human potential across the globe. (Link: https://oslofreedomforum.com/) Pubky: Pubky is building the next web, a decentralized system designed to put control back in your hands. Escape censorship, algorithmic manipulation, and walled gardens by owning your identity and data. Explore the Pubky web and become the algorithm today. (Link: https://pubky.org/) Trying to BUY BITCOIN? River: Secure, trusted, bitcoin only, lightning enabled, simple. (Link: https://bitcoinaudible.com/river) Bitcoin Games! Get 10% off the best Bitcoin board game in the world, HODLUP! Or any of the other great games from the Free Market Kids! Use code GUY10 at checkout for 10% off your cart! (Link: https://www.freemarketkids.com/collections/games-1) Bitcoin Custodial Multisig Want to get into Bitcoin but not ready for self custody? Use custodial multisig for the best way to distribute trust across multiple institutions and even jurisdictions! Check out OnRamp. (Link: BitcoinAudible.com/onramp) Education & HomeSchooling Get the lesson in real econo...

Ranjan Roy from Margins is back for our weekly discussion of the latest tech news. We cover 1) The 'subprime' AI crisis 2) Will companies building on AI persist if prices increase? 3) OpenAI funding news update 4) Do the research houses not care about the business side, and only want AGI? 5) iPhone16 releases to mild enthusiasm 6) Huawei's trifold phone is a hot seller 7) Mr. Beast's leaked guide to excellence at his production company 8) Amazon's culture has problems, says CEO Andy Jassy --- Enjoying Big Technology Podcast? Please rate us five stars ⭐⭐⭐⭐⭐ in your podcast app of choice. For weekly updates on the show, sign up for the pod newsletter on LinkedIn: https://www.linkedin.com/newsletters/6901970121829801984/ Want a discount for Big Technology on Substack? Here's 40% off for the first year: https://tinyurl.com/bigtechnology Questions? Feedback? Write to: bigtechnologypodcast@gmail.com

A crushing economic crisis, caused by the subprime mortgage meltdown, and two failing wars were the backdrop for the election of 2008. At the onset of the year, a first-term Democratic senator from Illinois, Barack Obama, was a long shot taking on Hillary Clinton, the New York senator and former first lady with universal name recognition. On the Republican side, Arizona Senator John McCain emerged from a crowded primary field to choose little known Alaska Governor Sarah Palin, whose inane manner became the butt of late-night jokes, as his running mate. The outcome made history as Obama became the first Black president. In this episode, historian Jeremi Suri takes us back into the recent past to examine an election that seems more distant than it actually is, thanks to the earthquake that followed 8 years later.

In this episode, we dive into the Bank of Canada's recent 25bps rate cut and its implications for the Canadian economy. With inflationary pressures persisting in shelter costs, we discuss whether the central bank's decision could reignite the housing market while balancing economic slowdown. We also analyze Couche-Tard's ambitious bid to acquire 7/11, their Q1 earnings, and the potential risks of such a massive acquisition. Finally, we cover BRP's disappointing earnings and the rise of subprime lending, examining how companies like Affirm Holdings and Propel Holdings are faring in an economy where more consumers are struggling to make ends meet.   Tickers of Stocks & ETF discussed: PRL.TO, AFRM, BRP.TO, GSY.TO, ATD.TO NY Fed BNPL Survey Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon's twitter: @Fiat_Iceberg Braden's twitter: @BradoCapital Dan's Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor  Spotify - The Canadian Real Estate Investor  Web player - The Canadian Real Estate Investor Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Curious about how to build a fintech business that champions financial inclusivity? Join us for a captivating conversation with Pat Napoli from Appressa, where we explore his remarkable journey from New Jersey to making waves in the payments industry. Pat shares how Appressa supports consumers who've been declined by prime banks, helping them secure credit cards through near prime and subprime banks. Discover how Appressa's innovative technology, paired with their strategic partnership with Prove, works to rehabilitate credit scores for millions of Americans, making a significant impact on the issue of credit card declines.Get inspired by Pat's deep commitment to community service and his passion for inner-city education, exemplified by his involvement with St. Benedict's Prep in Newark, NJ. Together with his partner, Chris Mettler, Pat draws on experiences from MBNA and other renowned financial institutions to create a tech-driven solution for those with non-prime credit scores. As we wrap up, Pat offers invaluable advice for aspiring fintech professionals, underscoring the growing importance of data science in the rapidly evolving payments landscape. Don't miss this insightful episode, packed with trends, strategies, and personal stories.

On today's episode, we sit down with Sol Lax, the CEO of Revenued, to dive into the intricacies of small business lending. Lax shares his journey from managing Merchant Cash Advances (MCA) to leading Revenued, a company focused on providing financial solutions for small businesses, particularly those with subprime FICO scores. With a background rich in financial innovation and a keen understanding of small business needs, Lax offers insights into the challenges and opportunities in the subprime lending space. “Merchant Cash Advances (MCA) were a necessary but imperfect tool for small businesses,” Lax explains. “We saw an opportunity to create a more flexible and tailored financial product.” The Big Ideas Lax emphasizes the need for flexible financial products. “MCAs are too rigid,” he says. “Our Flex Line offers more controllable, predictable, and available capital.” The PPP era was instrumental in refining Revenued's operations. “Processing a million PPP loans taught us anti-fraud and scaling,” Lax recounts. Revenued is harnessing the power of data to provide actionable insights that help in decision making. “We can show small businesses how much they're spending on bank fees and help them find better options,” Lax explains. Lax acknowledges the difficulties in subprime lending but sees opportunities. “Subprime small businesses find it challenging to access credit,” he notes. “With a different credit perspective, we can make it happen for them.” Revenued is looking to expand its offerings through strategic partnerships. “We're partnering with companies to provide business insurance quotes and other services based on our data,” says Lax. Through the tumultuous times of the Paycheck Protection Program (PPP), Revenued pivoted and leveraged its platform to process over a million PPP loans. This experience honed their skills in anti-fraud measures and scaling operations, setting the stage for their current offerings. It's a candid conversation that you won't want to miss! Sol Lax is my guest today on the Tearsheet Podcast.

Shoot us a Text.As another week comes to a close, we're grateful for the auto industry. Today we're covering how inflation is affecting repos, how demand is affecting Ford's production plans and how iPhones and Androids might finally get along.Show Notes with linksAuto repossessions are up 23% in the first half of 2024, surpassing pre-pandemic levels and indicating financial stress among consumers as interest rates and inflation strain household budgets.Vehicle seizures decreased during the pandemic due to leniency and stimulus checks, but have now surged back, with repos increasing 14% compared to 2019.Subprime auto borrowers are struggling, with 5.62% at least 60 days late on payments in June.Average interest rates: 7.3% for new cars, 11.5% for used cars; monthly payments average $739 for new and $549 for used, according to EdmundsRelief might come later this year, with some anticipating the Fed lowering interest rates in September, allowing the opportunity for refinancing and new buyers.Jeremy Robb, senior director of economic and industry insights at Cox Automotive summed it up: “I think a lot of consumers are really waiting to see if interest rates come down a little. That's kept a lot of people on the sidelines.” Ford Motor Company again has slowed down its EV plans, repurposing its Canadian Oakville Assembly plant to build larger gasoline-powered F-Series trucks, delaying the launch of three-row electric SUVs.The Oakville facility will now add capacity for 100,000 F-Series Super Duty trucks.“Super Duty is a vital tool for businesses and people around the world, and, even with our Kentucky Truck Plant and Ohio Assembly Plant running flat out, we can't meet the demand,” said Ford CEO Jim Farley.Ford lost nearly $4.7 billion on its EV business in 2023, with projected losses up to $5.5 billion this year.The company plans to invest about $3 billion to expand Super Duty production, securing 1,800 jobs at Oakville and adding about 220 jobs at engine and component plants.Apple's iOS 18 finally brings RCS support to iPhones, significantly improving messaging between iPhone and Android users. Photos are now high-resolution, ending the era of blurry, tiny images.iOS 18, currently in Beta but available on iPhone, includes homescreen customization, Siri improvements, and revamped Photos app.Apple added RCS (Rich Communication Services) support as a minor feature,  this comes after years of Apple refusing to bow to pressure to adopt the messaging standard.RCS improves messaging with features like typing indicators, read receipts, and high-res media.The green bubble persists with Android users, and Apple's RCS implementation lacks encryption.Hosts: Paul J Daly and Kyle MountsierGet the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/ Read our most recent email at: https://www.asotu.com/media/push-back-email

In this episode, Rory speaks with Shannon Hay, SVP at United Midwest Savings Bank, to talk about accounting firm financing and acquisitions. Discover the opportunities and challenges for firm sellers and buyers and how private equity is reshaping the profession. Learn how the talent shortage and rising interest rates are impacting the M&A market. Shannon also shares insights on succession planning, the advantages of internal buyouts, and how firms can prepare for a successful sale. Are we on the brink of a consolidation bubble in the accounting sector similar to the Sub Prime mortgage crisis? Do you want to know how to leverage SBA financing to acquire a business? Find the answers to these questions and more in this episode with Shannon Hay.

Today on the Daily News You Can Use, Ray and Zach discuss the latest data on auto loan delinquencies from the NY Fed. Subprime lending is a mess. Tune in to learn more!

Both of the boys are in studio this week, and thank god, it's a big ol' show. Donald Trump gets bailed out of his bail-bond by a billionaire who made his bones on sub-prime car loans. Because of course he is. Then, the Right is reacting in a totally normal and not-at-all weird way to the solar eclipse, AI is here to save fast-food, retired Supreme Court Justice Stephen Breyer chimes in with an ode to going to the opera with his best friends - the Justices who want to destroy democracy. To hear the full episode and support The Muckrake Podcast, become a patron at Patreon.com/muckrakepodcast. You'll get an extra show every week, get to hang out during live shows, and get all the exclusive election shows and analysis. Learn more about your ad choices. Visit megaphone.fm/adchoices

Time for a Friday Flight- our little sampling of the week's financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: the most affordable eyeglasses around, pressure to go paperless, learning from buyers remorse, the shopping social network, #dupe, BNPL for travel?, the rise of Apple Pay Later, 8 figures needed for financial freedom?, the subprime tax, a priceless privacy app, & holiday shopping stats.   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out!See omnystudio.com/listener for privacy information.