Podcasts about subprime

One on One Video Call W/George https://tidycal.com/georgepmonty/60-minute-meetingSupport the show:https://www.paypal.me/Truelifepodcast?locale.x=en_USIn this powerful episode of the True Life Podcast, host George Monty delivers a hard-hitting “daily transmission” exposing how corporations and systems deliberately manufacture scarcity to drive profits, control populations, and prevent true abundance from reaching everyday people. Drawing on real-world examples from food, housing, medicine, and more, George reveals the patterns of consolidation, surplus destruction, and artificial shortages that keep society desperate and divided. He calls for recognition, documentation, and rebellion against this “scarcity weapon,” urging listeners to investigate local resources and demand the withheld plenty. This episode is a wake-up call to see beyond the narratives of inflation and supply chain issues to the engineered theft of abundance.Host: George MontyPodcast: True Life PodcastDuration: Approximately 10-15 minutes (based on transcript length)Release Date: Estimated based on content references (late 2025)Listen Here: Explore more episodes and connect with George Monty on the TrueLife platform. Key Timestamps & HighlightsGeorge's monologue flows as a continuous narrative, but we've broken it down into thematic sections with approximate timestamps for easy navigation:•  00:00 - 01:00: The Illusion of Struggle George opens by challenging the narrative that you're failing—it's engineered starvation in abundance. He prompts listeners to check their finances and see how earnings vanish despite higher pay, labeling it “2025's manufactured scarcity” designed for control and extraction.•  01:00 - 02:30: From Ancient Famines to Modern Engineering Contrasting natural famines with today's deliberate hunger, George highlights U.S. food production capacity (enough for 10 billion people) versus 34 million facing food insecurity amid record corporate profits.   He exposes the “machine that weaponizes emptiness.” •  02:30 - 04:00: Food Shortages Exposed•  2024 egg shortage: Not avian flu, but corporate consolidation by Cal-Maine Foods (20% market control), leading to tripled prices and $535 million in profits. •  2022-2024 baby formula crisis: Abbott's monopoly (43% market) caused shutdowns, boosting stock 34% while parents turned to black markets. https://www.theguardian.com/us-news/2025/apr/09/doj-egg-prices-rise-cal-maine-profits•  04:00 - 05:00: Housing and Tech Hoarding•  Housing crisis: 16 million vacant homes in the U.S. versus over 600,000 homeless, as empty properties prove more profitable. •  2025 semiconductor shortage: TSMC's alleged deliberate restrictions via leaked emails to maintain pricing, with chips stockpiled while car prices soar.  (Note: Related to trade secret leaks; broader shortage context available.)https://unitedwaynca.org/blog/vacant-homes-vs-homelessness-by-city/•  05:00 - 06:30: Surplus Destruction and Corporate Mandates George uncovers patterns of destroying goods under USDA/EPA/FDA protocols lobbied by corporations.  He cites the 2024 NASS report (Appendix G, p. 847) on 2.3 billion pounds of produce destroyed to avoid “market destabilization.”  Kroger's 2019 leaked memo advocates “optimal scarcity ratios” for urgency buying. https://www.usda.gov/about-usda/news/press-releases/2023/09/20/usda-expands-efforts-prevent-and-reduce-food-loss-and-wastehttps://www.nass.usda.gov/Charts_and_Maps/Crop_Progress_&_Condition/2024/index.phphttps://www.nationofchange.org/2024/09/03/corporate-greed-exposed-kroger-admits-to-price-gouging-on-milk-and-eggs-amid-antitrust-trial/•  06:30 - 08:00: The Scarcity Playbook Step-by-step breakdown: Consolidate supply, engineer shortages (restrict, destroy surplus), profit from desperation. Blame shifts to weather or labor, not architects.•  08:00 - 10:00: Historical and Ongoing Examples•  2008 housing crisis: Banks held 3.5 million foreclosures as “shadow inventory” to keep prices high. https://en.wikipedia.org/wiki/Subprime_mortgage_crisis•  2020 toilet paper: Procter & Gamble and Georgia-Pacific (55% control) restricted distribution for 300% price surges at 64% capacity. https://www.resourcewise.com/market-watch-blog/are-we-really-running-out-of-toilet-paper-in-the-covid-crisis•  2021 lumber: Weyerhaeuser and West Fraser (40% control) quadrupled prices with underused mills. https://markets.businessinsider.com/news/stocks/lumber-prices-hit-record-highs-soaring-past-year-2021-4-1030299977•  2023 prescription drugs: Wholesalers like McKesson, Cardinal, and AmerisourceBergen (95% control) restrict insulin ($2 production cost) amid shortages. https://www.mmm-online.com/home/channel/drug-shortages-in-america/•  2025 water: Nestlé, Coca-Cola, Pepsi (75% bottled water) amid contaminated public supplies. https://www.grandviewresearch.com/industry-analysis/bottled-water-market•  10:00 - 11:30: Broader Patterns of Waste Amazon destroys 2 million unsold products yearly for scarcity pricing.  Pharma discards effective expired meds.  Energy firms flare gas for 10 million homes.  McKinsey's 2023 report recommends 15-20% below-demand inventory for margins.  Supply chain “disruptions” post-2020? Traffic normalized by Q3 2021, but prices stayed high via throttling. https://www.ethicalconsumer.org/ethical-campaigns-boycotts/amazons-burning-approach-unsold-returned-productshttps://pmc.ncbi.nlm.nih.gov/articles/PMC10834166/

Patriot games are coming. Larry Ellison in the spotlight. Hi Ho Silver and away! PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - CTP Cup - All systems go! 9 participants! - ELON gets his $$$ - Kids account challenge - Patriot games are coming... Markets - Not much headwinds - EOY approaching - Analysts predicting SP500 for 2026 - 7,500 (12% upside) - More Oracle back and forth - Gold and Silver Elon - Elon Musk's net worth surged to $749 billion late Friday after the Delaware Supreme Court reinstated Tesla stock options worth $139 billion that were voided last year - He also recently received a $1T pay plan approval - Jeff Bezos, Mark Zuckerberg, and Jensen Huang combined - His fortune exceeds the GDP of nations like the Netherlands, Saudi Arabia, and Switzerland. - He is richer than every country in Africa by GDP - He is projected by some reports to become the world's first trillionaire by 2027 When did Larry Ellison and Oracle become newsworthy? - Every day in the news.... - Larry Ellison NOW Personally Guarantees Paramount Bid for Warner Bros. - The announcement of Mr. Ellison's personal guarantee is meant to address concerns that the Warner Bros. Discovery's board had expressed about Paramount's original offer. - Helping out sonny-boy? More Oracle - Oracle stock slid after a report that Blue Owl Capital won't back a $10 billion data center for OpenAI. (Michigan) - Oracle has $248 billion in lease commitments for data centers and cloud capacity commitments over the next 15 to 19 years. - Oracle later responded to the FT report, saying the project was moving forward and that Blue Owl was not part of equity talks. EVEN MORE! - Multiple media outlets, including the Associated Press, reported that ByteDance has reached an agreement with Oracle ORCL, Silver Lake, and Abu-Dhabi-based MGX to set up a joint venture for TikTok's US operations. Oracle will hold a 15.0% stake in the new entity, while ByteDance will retain a 19.9% stake. - The important thing her is that TikTok stays as a major tenant of OCI as ORCL needs this cash flow... - Of all of the items, this may be why ORCL stock has bounced te last few days. Congressional Ban - A vote on legislation banning members from owning or trading stocks could get a vote in the new year, according to House leadership and Republican members. - President Donald Trump has said he supports a congressional ban but has pushed back on versions that include the executive branch. - Basically this bill would prohibit the ownership of individual stocks by congress Over to Japan - Bank of Japan raises benchmark rates to highest in 30 years, lifting 10-year JGB yield past 2% - Yen still VERY weak - trading at 157/USD - (problematic) - The BOJ said that real interest rates are expected to remain “significantly negative,” adding that accommodative financial conditions will continue to firmly support economic activity. - The yen weakened 0.25% against the USD after the decision - therefore still dovish and stimulative Economic Numbers - Estimates, partial numbers and best guesses. OH, 2-month averaging as well - The Bureau of Labor Statistics reported that the annual headline inflation rate and core CPI rate for last month were 2.7% and 2.6%, respectively, well below expectations. - Due to government shutdown, BLS to make certain methodological assumptions about the prior month's inflation levels. - Those assumptions in the methodology were not clear to economists and were not fully explained in the release. - Here is a big issue: The price changes in October for the OER (owners equivalent rent) appear to have been “set to zero.”  Sports Prediction Markets - Sports is fueling the growth and is forecasted to make up 44% of volume as prediction markets mature. - According to one expert: the fundamental elements of consumer demand and an array of diverse brands looking to meet that demand are clearly in place - Sportsbooks are getting a bit nervous.... First Dell, then... - Billionaire hedge fund manager Ray Dalio of Bridgewater Associates and his wife, Barbara, committed to seed Trump accounts for approximately 300,000 children in Connecticut. - Following the Dells' pledge, the funds will be aimed at kids who live in a Connecticut ZIP code where the median income is less than $150,000. - The Dalio grant will fund $250 per child for approximately 300,000 children in Connecticut. This applies to children who live in a ZIP code where the median income is less than $150,000. About 87% of Connecticut ZIP codes meet that criteria, according to a CNBC analysis of Census Bureau data. - “Ray has joined what we are calling the 50-state challenge,” Treasury Secretary Scott Bessent said in a press conference on Wednesday. - A growing number of companies have announced they would match contributions to Trump accounts for their employees, including BNY and BlackRock. Patriot Games (Hunger Games?) - Trump announced: The Washington Monument will be illuminated with festive lights, a triumphal arc will be constructed and the “Patriot Games” will commence. The games are an “unprecedented four-day athletic event featuring the greatest high school athletes: one young man and one young woman from each state and territory. - Uhhhhhh "And so it was decreed that, each year, the various districts of Panem would offer up, in tribute, one young man and woman to fight to the death in a pageant of honor, courage and sacrifice. (Hunger Games 2012) - What next - PURGE NIGHT? Fed Pick - Now it seems as if it is a 4 person race... - President Trump says "Nowadays, when there is good news, the market goes down because everybody thinks that interest rates will be immediately lifted"; says "I want my new Fed Chairman to lower interest rates if the market is doing well"; says "Anybody that disagrees with me will never be the Fed Chairman!" San Fran Blackout - Alphabet-owned Waymo resumed its robotaxi service in the San Francisco Bay Area Sunday evening after pausing it amid widespread blackouts that had affected their vehicles' behavior. - Waymo said it worked with city officials throughout the blackout and had “proactively” initiated a temporary suspension of its service. - Interesting point there - what happens when grid disruptions for internet with self-driving Angry Shareholders (For a minute) - Tricolor CEO Daniel Chu directed a deputy to send him $6.25 million in bonuses in August, weeks before the company filed for bankruptcy, U.S. prosecutors alleged. - Subprime autofirm that had alleged fraud - This happens all the time - Big issue to keep alert to is the news about "Subprime" WEED - Trump's executive order shifts cannabis from Schedule I to Schedule III, easing research, banking and tax restrictions and marking the biggest federal cannabis policy change in decades. - Shares of cannabis conglomerates were down following the announcement, likely from worries of new competition from international companies. - NOT legalization - NOT for recreational use... - Banking, Institutional capital ..... OpenAi - Beggars cup continues - OpenAI is in initial discussions to raise at least $10 billion from Amazon.com Inc. and use its chips, a potential win for the online retailer's effort to broaden its AI industry presence and compete with Nvidia Corp. - The deal under discussion could value OpenAI north of $500 billion and see it adopt Amazon's Trainium chip, a person with knowledge of the matter said, asking to remain anonymous to describe private negotiations. - Talks, however, are at a preliminary stage and terms could change, the person added. High Ho Silver and Away! - Silver up 135% YTD - Gold up 70% - Best year since strongest annual performance since 1979 for Gold - 1970's was inflation, USD weakening, Energy crisis. - What is similar/different now? (Big difference is buying up (China, Poland, Turkey, India) Light menu - Darden Restaurants will roll out a new lighter portion entrées menu at all Olive Garden locations in January, the company announced during its quarterly earnings call last Thursday. - Citing affordability: "Olive Garden has seen a double-digit increase in affordability perceptions from guests who order from the lighter portions menu and an increase in frequency among these guests, which should help build traffic over time," Cardenas said. - Sooooo 0 due to high costs, Americans are cutting back on food? - If it were for weight loss, no need for Oliver garden to cut back on portions as most inedible anyway... Copper - Copper prices topped $12,000 a ton for the first time, extending the metal's recent bull run as mine outages add to concerns about supply. - The threat of US import tariffs on the metal has also been an important factor pushing up prices this year, with copper piling up in American warehouses. - Industry analysts have said that much of the richest and most easily accessible mining resources are now exhausted, and experts are warning that the market is on the cusp of a major deficit. Jim Beam - Bourbon maker Jim Beam is halting production at one of its distilleries in Kentucky for at least a year as the whiskey industry navigates tariffs from the Trump administration and slumping demand for a product that needs years of aging before it is ready. - Jim Beam said the decision to pause bourbon making at its Clermont location in 2026 will give the company time to invest in improvements at the distillery. The bottling and warehouse at the site will remain open, along with the James B. Beam Distilling Co. visitors center and restaurant. - The percentage of U.S. adults who say they consume alcohol has fallen to 54%, the lowest by one percentage point in Gallup's nearly 90-year trend. Love the Show? Then how about a Donation? THE CLOSEST TO THE PIN 2025 Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! CTP CUP 2025 Participants: Jim Beaver Mike Kazmierczak Joe Metzger Ken Degel David Martin Dean Wormell Neil Larion Mary Lou Schwarzer Eric Harvey (2024 Winner) FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

Fredrik chats to Dylan Beattie about Rockstar, esoteric programming languages (Perl in latin, anyone?), and what might happen after the AI bubble. AI will ruin jokes, they can’t do things just right. But some things hiding under the label are actually useful as well. Have we been in any similarly strange bubbles before, and what might be left that’s useful after it? Also evolution, revolution, and strange Scrabble facts. Recorded during Øredev 2025. The episode is sponsored by Ellipsis - let us edit your podcast and make it sound just as good as Kodsnack! With more than ten years and 1200 episodes of experience, Ellipsis gets your podcast edited, chapterized, and described with all related links in a prompt and professional manner. Thank you Cloudnet for sponsoring our VPS! Comments, questions or tips? We a re @kodsnack, @tobiashieta, @oferlund and @bjoreman on Twitter, have a page on Facebook and can be emailed at info@kodsnack.se if you want to write longer. We read everything we receive. If you enjoy Kodsnack we would love a review in iTunes! You can also support the podcast by buying us a coffee (or two!) through Ko-fi. Links Dylan Dylan also has a podcast - Tech, bugs & rock’n’roll Dylan’s presentation at Øredev 2025: Rockstar 2.0: building an esoteric language interpreter in .NET Rockstar Formal grammar Esoteric programming languages Damian Conway Perl Perl in Latin - the paper and the module Latin Inflectional grammar Domain-specific languages Lilypond - Scheme dialect for sheet music Context-free grammar Engraving - the art of creating sheet music codewithrockstar.com Support us on Ko-fi! Scrabble Metal umlaut Piet - the language which should have been called Mondrian Piet Mondrian Mondrian - the undeserving tool Turing completeness The Buster Keaton house scene The dot-com bubble The subprime mortgage crisis Enron Douglas Adams Three mile island Windows Vista Tim Berners-Lee Solid - Tim’s project of holding your data locally Ellipsis - sponsor of the week: we edit Kodsnack, and we can edit your podcast too! The emperor’s new mind Quantum computing Hadamard gate The linebreakers - Dylan’s band of conference speakers ASML Titles Always good fun that one The version of the story that I tell in the talk Enough clichés Resident mad scientist of the Perl community Felis commidet piscem Always the cat that is eating Lexical flexibility Fundamentally, programming is programming A big win for everyone Linguistic conventions and extended alphabets That’s a different letter Regional assumptions German ortography A piece of impressionist art Hang it on the wall Something hidden in something else Physical comedy at its greatest Money people believe exists The amount of pretend money It has to come from reality Fortunately, I do not have a trillion dollars Quietly siphoned off Emotionally flat What can I steal from? A little LLM that works for you A spectacular collapse A billion lines of crap Pruning the decision tree Fix the next milestone in the public consciousness Five years of excitement, five years of disappointment Overdue for a little disappointment Reliant on Dutch technology

George Couperthwait is one of those guys that everyone in skiing knows, likes, and respects. He's a visionary, who's ski industry life started in a van: going shop to shop, demo to demo, race to race...and he worked his way all the way up to the top of skiing  With over 30 years working with brands like Rossignol and Stockli, George has taken his passion for sport and his love of product and weaved that into a world of building relationships and brands.  It's an interesting peek behind the curtain with the brains behind the XXX and so much more. George Couperthwait Show Notes: 4:00: Subprime products, growing up in NY, ski racing, coaching, relationship building, Nordica, tech rep life, and the 4S Kevlar 21:00: Ski Idaho: With 19 mountains, a ton of snow and no lift lines, why wouldn't you Visit Idaho Stanley:  The brand that invented the category! Only the best for Powell Movement listeners.  Check out Stanley1913.com   Best Day Brewing:  All of the flavor of your favorite IPA or Kolsch, without the alcohol, the calories or sugar. 24:00: Alberto Tomba, Rossignol, working by Facsimile with France, Viper X, the C.U.T. series, a changing the industry with Freeride, Petersen and Pehota,      40:30: Elan Skis:  Over 75 years of innovation that makes you better. Outdoor Research: Click here for 25% off Outdoor Research products (not valid on sale items or pro products) Therm-ic Heated Socks: The branded that invented Heated Socks 43:00: Tanner Hall, asking a lot out of athletes, travel, the end of Rossignol, Stockli,    62:00: Inappropriate Questions  

America is facing a subprime auto meltdown that rivals 2008. Pat breaks down rising delinquencies, soaring car prices, negative equity traps, and what low-income buyers are facing. Learn how to protect yourself with credit, smart rules, and real solutions.

- Subprime Defaults Hit All-Time High - Solid-State Batteries Getting Overhyped - F1 Team Values on the Rise - Toyota Starts Production at New Battery Plant - VW Could Use Rivian Architecture for ICEs - Apollo Go Robotaxi on Profit Path - Waymo Expanding Onto Freeways - China Considers Vehicle Acceleration Limit

- Subprime Defaults Hit All-Time High - Solid-State Batteries Getting Overhyped - F1 Team Values on the Rise - Toyota Starts Production at New Battery Plant - VW Could Use Rivian Architecture for ICEs - Apollo Go Robotaxi on Profit Path - Waymo Expanding Onto Freeways - China Considers Vehicle Acceleration Limit

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Two major hedge funds just blew up, and the internet instantly jumped to the whole “this feels like 2007” panic. You've probably seen the thumbnails already. Collapse. Crash. Doom. But when you dig into what actually happened, the story is way more interesting than the fear-mongering. This video breaks everything down in a way that makes sense and shows you what really matters behind the scenes.It all kicks off with a dramatic headline about subprime funds getting wiped out. And sure, it grabs attention, but the real takeaway is how familiar the pattern looks. When liquidity gets tight and confidence cracks, things can unravel fast. That's exactly why understanding the market cycle becomes such a powerful edge. Once you know how stage one, stage two, stage three, and stage four actually look on a chart, all the noise starts to fade away.The video walks through those stages using real examples, showing how the 10 EMA, 20 EMA, and 50 EMA tell the truth long before the headlines do. Most traders don't realize they're buying at the very beginning of stage three, which is why it feels like the market keeps slapping them around. Once you see it, you can't unsee it.Here's what you'll pick up along the way:✅ How the full market cycle really works✅ The signals that actually start a bullish trend✅ Why traders always seem to buy the top✅ How bank redemptions turn into liquidity spirals✅ The surprising overlap between UBS today and Bear Stearns back thenThere's also a super clear breakdown of how bank runs happen in real life. Not the movie version, the real-world version where people pull funds, banks scramble to sell assets, and suddenly confidence disappears. Once you understand that, the whole UBS situation makes a lot more sense.The video also takes a look at past crashes like 1987 and the Covid drop to show something most people don't want to admit. The market almost always gives warning signs. The trend breaks first, then the disaster comes later. You don't have to guess tops or bottoms. You just need a plan that responds to what the market is actually doing.And if you've been curious about options rolling or why traders shift from deep in the money to slightly out of the money, that gets explained in a simple, real-world way. Delta, gamma, credit received, reduced risk, keeping the trade alive, it's all laid out without the usual confusion that comes with options talk.There's also a look at how OVTLYR helps with notifications, exit signals, ATR stops, and the kind of education that helps you trade based on structure instead of emotion. The whole point is helping you cut through the fear and actually make informed decisions.If you're tired of the clickbait panic and want a grounded, practical look at what's going on with hedge funds, liquidity, and smart trade management, this video is absolutely worth watching.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

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Auto retailers and fintechs mostly reported growth in the third quarter amid mixed October retail sales, flat vehicle values and some layoffs. CarMax named David McCreight as its interim president and CEO, replacing Bill Nash, effective Dec. 1. Nash is not retiring, and the shakeup comes as the Richmond, Va.-based retailer's comparable store used-vehicle retail sales are expected to drop between 8% and 12% year over year in the third quarter of its fiscal 2026, according to CarMax's Nov. 6 release. Meanwhile, EV makers Lucid Motors and Rivian saw deliveries jump 46.6% YoY and 31.8% YoY, respectively, in the third quarter ended Sept. 30. AI-powered lending platform Upstart also saw growth in Q3, with auto loan originations up 357.1% YoY on issuance of 6,705 loans, according to a Nov. 4 Upstart presentation.  However, fintech Open Lending saw certified loan volume drop 13% YoY to 23,880, according to its Nov. 6 release. The fall came as Open Lending prepares to roll out a new credit decisioning platform. Vroom subsidiary United Auto Credit Corp. also originated $107 million in the third quarter ended Sept. 30, up 7% year over year but down 6.1% quarter over quarter. The mostly positive Q3 reports came as auto lenders tightened their credit standards. The average new-vehicle auto loan rate increased 19 basis points month over month in October to 9.6%, according to Cox Automotive. This rise is despite a 25-basis-point cut by the Federal Reserve on Oct. 29. Meanwhile, lender Prestige Financial Services reportedly laid off employees in early November, according to posts from former employees. The reported layoffs come as the subprime market faces challenges in affordability and credit performance. With these headwinds and elimination of the federal EV tax credit, automakers reported mixed sales in October. Toyota Motor North America saw sales surge 11.8% YoY to 207,910 vehicles, while Mazda's sales plummeted 32.6% YoY to 25,161 vehicles, according to the companies. In this episode of “Weekly Wrap,” Auto Finance News Editor Amanda Harris discusses trends across third-quarter earnings, vehicle values and sales for the week ended Nov. 7. 

Auto lenders are homing in on key areas of underwriting to manage risk and grow in 2026 as the subprime market continues to face challenges with credit performance and affordability.Improved loan decisioning, declining interest rates, the use of data and analytics, and responsible growth are top of mind for auto lenders into next year, leaders said at the recent Auto Finance Summit 2025.The Federal Reserve cut its benchmark interest rate by another 25 basis points (bps) on Oct. 29, prompting lenders to prepare for an uptick in refinance opportunities. However, affordability remains a leading concern, especially for subprime consumers.In fact, Irvine, Calif.-based subprime auto lender Bayside Credit stopped originating auto loans against the backdrop of challenging macroeconomic conditions.Subprime credit performance is also a concern in the auto securitization market, with  and lenders that target consumers who may not be legal U.S. citizens experiencing higher-than-expected losses.In other news, subprime lender Credit Acceptance Corp.'s originations fell 16.5% year over year in the third quarter amid competition and worsening loan performance.Carvana, on the other hand, posted a 58.8% YoY jump in originations in Q3 and increased its forward-flow agreement with Ally Financial.In this episode of “Weekly Wrap,” Auto Finance News Associate Editor Aidan Bush discusses trends across underwriting, subprime lending, capital markets and third-quarter earnings for the week ended Oct. 31.

In this episode, we are pleased to be joined by first time guest, JoAnne Binaco, Partner and Senior Investment Strategist at BondBloxx ETFs. Recorded in early October 2025, we discuss the recent headlines around high profile collapses of some subprime lenders and how such collapses do not necessarily portend a systemic risk to the broader corporate lending environment and how investment opportunities may emerge with the rise in credit volatility.  BondBloxx disclaimer: Carefully consider the Funds' investment objectives, risks, charges, and expenses before investing. This and other information can be found in the Funds' prospectus or, if available, the summary prospectus, which may be obtained by visiting https://bondbloxxetf.com/prospectuses/ or calling 800-896-5089. Read the prospectus carefully before investing. The Funds are distributed by Foreside Fund Services, LLC. There are risks associated with investing, including possible loss of principal.

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

In this episode, we break down record 60-day auto-loan delinquencies and a subprime lender's bankruptcy to show how cracks at the fringe can ripple into tighter lending, higher costs, and broader economic strain. We also share practical guardrails for taking (or avoiding) car loans and why borrowers, lenders, and local leaders should watch these early warning signs closely.Get the top 40+ AI Models for $20 at AI Box: ⁠⁠https://aibox.ai

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

The North American auto industry is under real cost pressure, posits Nishit Madlani. He discusses how tariffs have hit the industry and how consumers can't handle cost increases with car payments already high. He expects a single-digit decline in volumes next year. Nishit is also concerned about subprime auto loans as vendors become more aggressive.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

 Chris Markowski, known as the Watchdog on Wall Street, discusses the harsh realities of the financial world, emphasizing the importance of long-term wealth building and the risks associated with Wall Street and crypto trading. He critiques the growing influence of private equity in 401(k) plans and the ethical dilemmas surrounding good money versus bad money. Markowski also highlights the impact of regulations on small banks and the ongoing subprime auto lending crisis, ultimately calling for greater financial integrity and accountability.

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

Bienvenue dans le seul Morningbull où même ton café hésite avant d'ouvrir Bloomberg. Ce matin, on parle du dernier coup de génie de Donald Trump — celui qui a réussi à faire fondre 2'000 milliards de dollars de capitalisation boursière… avec un simple tweet de 161 caractères. Les marchés paniquent. Le Bitcoin tangue. Les algos deviennent fous Et Trump tourne la veste 48 heures plus tard..

Andrew Sleigh from Sprott Money joins to break down the silver shortage rumors, the collapse of the COMEX short positions, and why fiat currencies are entering their final phase.Are we witnessing the endgame for the dollar?----------Thank you to our #sponsor MONEY METALS. Make sure to pay them a visit: https://bit.ly/BUYGoldSilver------------

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

In this Garage Edition of The Court of Public Opinion, Jeremy Cordeaux dives into Australia’s biggest talking points — from housing policy madness and aluminium wine bottles to bulk billing failures, media censorship, and Donald Trump’s military shake-up. He questions government logic, celebrates Peanuts’ 75th anniversary, and calls for common sense in an age of absurdity. 75th anniversary of Peanuts and the legacy of Charlie Brown Rising property prices and Labor’s “5% deposit” housing policy Subprime-style government-backed mortgages and the risk of defaults Erin Patterson’s mushroom case appeal Wine industry adopting aluminium bottles in pursuit of net zero Bulk billing decline and the Medicare illusion Hilarious story: erectile cream prescribed for eyes due to bad handwriting Freedom of speech under threat: new misinformation laws Interest rates, cost of living, and electricity prices Trump’s military crackdown: no more “woke generals” or political correctness Possibility of unrest or military tension in the US Reflections on art, investment, and authenticity Historical notes: Pan Am, tuxedos, the Beach Boys, and Christopher Reeve See omnystudio.com/listener for privacy information.

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/

GiveSendGo: https://www.givesendgo.com/GEUB9 Live show 8PM EST: https://odysee.com/@PNNAmerica:a/PNNAmericaJan PNN America official simplex.chat room: https://files.catbox.moe/bhos77.png PNN America Odysee channel: https://odysee.com/@PNNAmerica:a PNN Texas Odysee channel: https://odysee.com/@Diogenes:2/PNNTexas:d Reddit alternative: https://soj.ooo/ Help by supporting the show: cash.app/PNNAmerica Bitcoin: bc1q775yrp0az9e88yp3nzg0a5p7nzgex0m7e8xcdk Dogecoin: DS1Fp4wmQ1jdbYj4cqi3MJNWmzYe6tt9w4 Monero: 8BaVtQCDnQhY1Wc3twwx2NCPumhTTVCweZRQT2X7V3D9gfEUCWt6U79izJp2qiDYx3cAjPjQFEWxFbKyLoTTWSRzGC27Tdk MY Website! (Book included): pnnamerica.com

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.  

Join this channel to get access to perks: https://www.youtube.com/channel/UCVr5MNf7Nt5oCXywsUh-ttA/join   Looking to buy used and new games?  Use my affiliate link  with Noble Knight Games https://www.nobleknight.com/?awid=1459   Hungry is by Original Don, and Peter Vaughan of Cardboard Alchemy to  discuss RageCon, and then by Navigator Lana to discuss Conquest Princess.   0:00 - Intro RECENT PLAYS & NEXT ON THE TABLE 3:28 Clank Legacy 2 8:27 - Andromeda's Edge Genesis 12:18 - Pericle: The Gathering Darkness 17:12 - Bomb Busters 18:56 - Nanolith 20:38 - Whisperwood 22:31 - RAGECon BEST OF THE CON 34:27 - Best Moment: Backyard Chickens, Flamecraft Duals, Being Awful at Dwellings 42:24 - Biggest Surprise: Fat Tuesday, Exhibitor Hall, All Aboard! 50:55 - Best Loss: Inferno, Galactic Cruise, Ahoy 55:50 - Best Win: Resurgence, Thunder Road, Andromeda's Edge 1:03:00 - Game of the Con: Backyard Chickens, Everything Bree Touches, Bombusters 1:11:06 - Peter's Words of Wisdom 1:13:31 - NOBLE KNIGHT 1:14:00 - Navigator Lana and Conquest Princess 1:35:44 - Lana's Words of Wisdom 1:36:38 - Bonus Clip     Check out the video version here: https://youtu.be/l033N82kwXA   Check out Cardboard Alchemy here: https://cardboardalchemy.com/ Check out Lana here: www.instagram.com/navigatorlana and www.tiktok.com/navigatorlana www.navigatorlana.blog

The 2025 Green Bay Packers are slandered. How hard is it to play a CD in 2025? Follow us on Betstamp and we can write and produce our own vanity hip hop records! https://signupexpert.com/thfantac Hosted on Acast. See acast.com/privacy for more information.

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.

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   —--------------------

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.

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.

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