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In theory it could since the space is still mostly unregulated, but I seriously doubt those businesses would attempt fraud on that scale - too many eyes looking for red flags.

Happy to hear that! Appreciate the feedback and huge thanks for watching.

No worries at all - I follow what you're saying. Yes that's a great point! Dividend payments are not tax advantaged outside of special vehicles like retirement accounts. If optimizing someone's tax liability, it's much better for the company to retain that cash and reinvest in itself directly. Great comment!

Transparency in finance has always been a real problem. Doing my best to fight that!

Yes! Thanks for bringing that up. Agent commissions are typically covered by the seller of the property. So from the POV of the buyer, not a cost to consider. But…that’s changing as of this year with the buyer having to compensate their agent if the seller does not want to. A great topic for a follow-up video!

I guess you never really realize how attached you are to a vehicle until it's on the verge of being gone... If you settle with insurance, don't hesitate to do your own research and verify the offer is fair. If you keep the vehicle, consider ALL costs. Get the vehicle more thoroughly inspected for a better idea of what needs to be repaired and what might need to be repaired down the road as a result of the accident. And remember how the salvage title tanks resale value (if you aren't planning to drive the car until the wheels fall off). Sorry you're going through this too. Best of luck, and take care!

You're absolutely welcome. That's a tough one to lose - 90,000 miles is nothing for a well-made Honda. If you go the repair route, just make sure the due diligence is top notch. Get EVERYTHING inspected for more realistic repair costs. Even reliable Hondas can become money pits after a major accident. Best of luck!

@@alex.herrera Thank you so much for replying and the sound advice.

Haha. Being in front of a camera is a challenge. Appreciate the feedback though!

Yeah those massive downward revisions really did a disservice for the public’s trust in that data. That said, we did have these last two months revised upward. So I’ll take the reports one at a time (it’s some of the only data we got unfortunately). Thanks for commenting!

Yes! Extremely important consideration - any given time period can result in a negative return (even for the S&P 500).

Appreciate the feedback. Take care!

Haha. Anything I can clarify?

Is there something I could explain better? I realize there’s some context missing.

Dalton great to hear from you! Noted... I can't say I'd do anything too drastic given where asset prices are, but an interesting topic nonetheless! I have a few anecdotes worth sharing from interactions I've had with car dealers and mortgage brokers. They have pretty strong feelings about this election... to say the least.

Damn, not again. lol I got to do my usual grocery run today, I’ll scope it out 🧐

You’re very welcome!

Appreciate you :) And thanks for watching!

Great take! 100% correct - perfect information available to all stakeholders will theoretically result in risk premiums that exactly align with the risk profiles of individual assets and asset classes. I love these types of contributions, so thank you for commenting! Take care!

I appreciate the sub! I’m a big believer in focusing most of the conversation on fundamental concepts - and then hopefully the information can help individuals make the best decisions for themselves. I think that also improves the chances someone spreads an enthusiasm for learning about this stuff. But anyways, thanks again for your support! Take care!

You're right you're right. It does seem like very little (and in the grand scheme of things it is), but I do think markets & consumers are meaningfully less reactionary to a .25% vs .50% cut. It's all about their expectations of the future - an aggressive cut right off the bat says a lot about where we could be going. Thanks for commenting!

Yeah, they’re obviously concerned about being behind the curve again. The next jobs report is going to be important. If unemployment falls in line with the previous two months, I think they could’ve done a quarter point and been ok.

Right… it’s one thing for overall inflation to be moderated near the Fed’s target, it’s another thing when the categorical breakdown of inflation shows rates that wages just can’t keep up with. Education, health care, housing (and in our current situation food). A big reason why I focus on “affordability” metrics instead of only price levels. Take care and thanks for commenting!

Haha I could see it. However deep they’re going to cut, I just hope they do it slowly. We can’t afford worse inflation than what we have now. Thanks for commenting!

You do touch on a very real problem we're all going to face moving forward - that baked-in inflation you're referencing will never go away unless we enter a period of deflation caused by recession. Deflation would bring prices down, but the force behind it is the job loss tied to a weak economy. It's very much a case of "pick your poison"... Trying to stay optimistic here: the best case scenario is the Fed moves slowly to keep overall inflation manageable while the job market can catch up with better compensation/long-term job security. And I think it's time for the government to review the never-ending stimulus that's been injected into the system for over a decade. Thanks for sharing your views. It's a hard time, no doubt about that. Take care!

Inflation is around 2.5 %

​@@JohnathanTotten-oh9vy 2.5% PER MONTH, just for the record. Maybe you haven't been to a grocery store recently and you're unable to remember what stuff was costing in 2020? Maybe you aren't aware that the dollar has been devalued by 25% in 3 short years? Gold was $2,000/ounce and is now 25% higher, Silver was $25/ounce and is now $25% higher. When do prices ever come down? Why do you believe the corporate media?

@@RubenCLeon that’s products from company’s you can get cheap ingredients and bake your own stuff and it’ll be 1/3 the price

@@RubenCLeon comparing usd to a few other currencies it’s actually gotten stronger the past few years

You're right. Prices in general will not be coming down (assuming we avoid a recessionary period). That's the danger of inflation - it forever resets the price floor for most goods and services. Unfortunately, much of what the Fed can do will not make things cheaper. That said, I still think slowing inflation to where it is now was (and is) critical. Thanks for commenting! And $0.25/gallon... what a time haha

I don’t think earning 10% annually (nominal rate here) is an outrageous expectation… assuming you’re being serious. Thanks for commenting though! And take care!

Topic of my next video! I do think Keynesian theory is applicable in times of crisis, but as we’ve seen these last few years - governments aren’t the best at regulating their stimulus… Thanks for commenting!

Great point - there are financing incentives available for new cars that change things! What was the price of the car and the amount you financed (if you don’t mind sharing)? Going to run some numbers myself. Thanks for commenting!

@alex.herrera $25,000, $422.42 month, 60 months, $7,000 down, and 100,000 mile warranty.

Appreciate you!

@@alex.herrera No problem! Always glad to help fellow UA-cam creators.

Agreed! A lot of different technologies coming down the pipeline.

Yes very true! The condition and maintenance history is key. Always have the vehicle inspected BEFORE purchasing!

That’s the way to go! It’s amazing how much you can squeeze out of the older models.

@@alex.herrera i hadn’t heard of it before and wanted to learn more. Your video did a great job of that, thanks!

Great question - the reported returns INCLUDE reinvested dividends. More of an incentive to approach investing with a long-term mindset. I’ve read somewhere that SCHD’s real price appreciation is somewhere around 8-9% (still solid returns for a focus on value stocks).

@@alex.herrera awesome thanks!!

😂 I thought I was a goner

Definitely a huge factor! Whatever price action taking place for new 2023/2024 models bleeds into the used market - which is the determinant for a car's depreciation.

Yes and no, it depends on why the price was cut. Quality of the cars decreased, then your car is more valuable, as it is better quality. Many features news to now be paid separately through subscriptions, well your older car has them built in as it was more expensive, so higher worth