14 Comments

SORRY! The lifestyle you ordered is currently out of stock. Banksy was prescient.

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Jul 28, 2022Liked by Rudy Havenstein

Love your sardonic sense of humor. It is a gift that keeps on giving especially pointing out the bizzaro-like world that we are operating and have been operating in for quite some time especially all things economic, financial, social, cultural, etc.

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I've been doing some work on CarMax this week so I checked their inventory, which is all online. Of their national inventory of 57,483 cars, there are just FOUR priced under $11,000, all sub-compacts, two of which have over 100,000 miles on the odometer. If you bump the limit up to $15,000 max, you get 766 vehicles, or 1.3% of their inventory. You have to bump up all the way to $29-30,000 before you hit the median and see half of their inventory. These are all USED cars!

In other auto news, the "Inflation Reduction Act" includes new money for $7500 subsidies for new electric vehicles and $4000 subsidies for used electric vehicles, with qualification subject to income limits. Looking forward to seeing how subsidizing something will lower inflation.

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Wow

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Next time my doctor tells me to lose weight, I'm going to show him that my BMI is at the ideal value using hedonic regression.

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Jul 30, 2022Liked by Rudy Havenstein

LOL! I absolutely love these posts!

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Jul 28, 2022·edited Jul 28, 2022Liked by Rudy Havenstein

Got a 2014 Chevy Volt in 2014. Leased it what with Moore's law and all. In 2017 Ally wanted $21k as residual, so we walked. Bought another 2014 from a private seller for $14k. When wrapping up lease with Ally I asked what happened to the car? Went to auction and they got <$12k for it. The one we bought now has 50k miles and runs like a champ. Saw an ad for local Chevy dealer yesterday, 2014 Volt $17,900. Really?

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Jul 28, 2022Liked by Rudy Havenstein

But what about living in a used car, skipping meals, paying no utilities? Or even changing wagons/buses of public transportation!

I wonder when the tolerance threshold will be reached and what would follow.

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Jul 28, 2022Liked by Rudy Havenstein

The house offer letter consulting business appeared solid.

https://www.trulia.com/guides/offer-letter-templates/

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good stuff, note this YT channel. Nick's been on fire with his RE insights, cheers. https://youtu.be/PkGrOqL_yHQ

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Excellent piece. Thanks.

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The used car market will be the most painful to watch with respect to the middle-class to poor. When they can’t even make it to work? JFC.

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At this point it looks like a 30-50% drop in “late model” used car prices will be the best case. Since turnaround is much faster on vehicles I believe it will be the new “leading indicator” that pushes a new round of stimmies.

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A new round of "cash for clunkers" coming soon

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