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Strategies & Market Trends : Value Investing -- Ignore unavailable to you. Want to Upgrade?

To: Paul Senior who wrote (78231)	10/12/2025 9:18:09 PM
From: Madharry	Respond to of 78787

re= sub prime. Listened to an analyst in the wee hours of the morning , who made a pretty compelling case that many of the people who are living paycheck to paycheck are facing mounting problems , This has very negative implications for car companies , car lenders sub prime lenders and the economy. the upshot is that because of covid many of those people got cash injections from the fed govt and a moratorium on their student loans . their credit rating improved and many splurged on nice cars at lower finance rates because their credit scores improved. Now fast forward to today - they have become subprime again and so have pay more for insurance etc. Also because credit companies are now using ai to monitor credit score etc they are moving to quickly reduce exposure to people whose credit quality is deteriorating that means you may think you have a 10k credit line only to find that is now 4k. Apparently there is now an abundance of cars in the in 0 to 5 years category with more company because those cars in the 0-5 year category are just not affordable for a large segment of the population. Used car prices should be falling , those 23 models are now 1 year older.

To: Paul Senior who wrote (78231)	12/2/2025 11:56:45 AM
From: Madharry	Read Replies (2) \| Respond to of 78787

I have just started to look at CRMT, its been written up twice at valueinvestor club at higher prices than it trades now. I see you have been in it for many years. looks like a potential tax loss buy toward end of december, I looked at one dealership website and most of the car had around 100k miles and did not see any prices. anyone else here follow crmt? I took a very small speculative position in BMNR a leveraged etherium play in a taxable account. Tom Lee was the CEO and touting etherium, we will see if he is right about it,