Life curious 🤔

I have worked in a financial institution for about 10 years in various areas 🥸

Happy to give insights to people on questions about finance 💸

[Life curious 🤔 @ThelifeCurious]

Really interesting real estate outlook of the US 🥸

[Saw Chuck @Saw_Chuck2023]

@travis_palm @DonMiami3 @MacroEdgeRes @MacroEdgeVision You had your absurd super-bubble, now you get your bust...

[Barchart @Barchart]

Fund Managers are now sitting on the lowest cash allocation in history 🚨

[Hedgeye @Hedgeye]

🇯🇵 Japanese crude oil reserves post the largest drawdown in the country’s history

[Lark Davis @LarkDavis]

𝗕𝗹𝗮𝗰𝗸𝗿𝗼𝗰𝗸. 𝗕𝗹𝗮𝗰𝗸𝘀𝘁𝗼𝗻𝗲. 𝗝𝗣 𝗠𝗼𝗿𝗴𝗮𝗻. 𝗠𝗼𝗿𝗴𝗮𝗻 𝗦𝘁𝗮𝗻𝗹𝗲𝘆.

All blocked or capped withdrawals from their private credit funds in Q1 2026.

This is not a rumour. It's in the filings.

In 2007, the same thing happened with mortgage funds.

We know how that ended.

[World of Statistics @stats_feed]

🇯🇵 Japan's biggest railway company raises fares for the first time since it was privatized in 1987.

Japan's biggest railway company raised its fares by an average 7.1 percent on Saturday.

It is East Japan Railway's first across-the-board fare increase since it was privatized in 1987, apart from rises due to consumption tax hikes

[Barchart @Barchart]

Sales of Heavy Trucks are collapsing, which has usually foreshadowed an upcoming recession 🚨🤯👀

[Barchart @Barchart]

U.S. Banks are now sitting on $337 Billion in unrealized losses

[First Squawk @FirstSquawk]

Tesla Cybertruck sales plunged 48% in 2025.

[*Walter Bloomberg @DeItaone]

DIMON ON CREDIT CARD RATE CAP SAYS IT WILL REMOVE CREDIT FROM 80% OF AMERICANS

[Barchart @Barchart]

Japan, we have a problem 🚨🚨 40-Year Bond Yield soars to 4.215%, the highest level in history 🤯👀

[Wall Street Mav @WallStreetMav]

🚨🚨🚨
Mercedes Moving Production To Hungary, 20,000 Germans Set To Lose Their Jobs

Mercedes is moving production of their A-Class lower cost line of cars.

Due to sky high electricity rates and regulations, Germany is losing hundreds of thousands of manufacturing jobs to other countries. In the year 2023, Germany lost 123,000 manufacturing jobs. The trend has continued in 2024 and 2025.

Lousy energy policy has consequences.

[Life curious 🤔 @ThelifeCurious]

@DeItaone Resulting in massive credit tightening if happens 😅😂

[zerohedge @zerohedge]

ORCL pricecut-a-palooza:

Goldman PT New $220, Old 320
JPMorgan PT New $230, Old 270
Cantor PT New $320, Old 400
Barclays PT New $310, Old 330
Evercore PT New $275, Old 385
Scotiabank PT New $260, Old 360
TD Cowen PT New $350, Old 400
Melius PT New $260, Old 400

[Life curious 🤔 @ThelifeCurious]

Debitors sweating 🥵

[The Kobeissi Letter @KobeissiLetter]

Credit application rejection rates are soaring:

The overall rejection rate for US credit applications is up to 24.8% over the last 12 months, the highest since the data began in 2014, according to the NY Fed.

The rate has risen +10.4 percentage points since February 2020.

This comes as the rejection rate for mortgage refinances jumped to 45.7%, an all-time high.

At the same time, mortgage rejection rates hit 23.0%, the highest since 2015.

The rejection rate for auto loans reached 15.2%, the 2nd-highest on record.

Meanwhile, credit card rejection rates held steady at 21.2%.

Credit is becoming harder to access.

[First Squawk @FirstSquawk]

CREDIT CARD DEBT IS THE SILENT KILLER

OVER 12% OF BALANCES ARE NOW 90+ DAYS DELINQUENT — THE HIGHEST IN 14 YEARS. WITH INTEREST RATES ABOVE 21%

[Life curious 🤔 @ThelifeCurious]

Consumer's alright

[MacroEdge @MacroEdgeRes]

15-year auto loans to be offered in the U.S. in an attempt to lower monthly car payments

#MacroEdge

[First Squawk @FirstSquawk]

US LAYOFFS ARE RUNNING AT A CRISIS PACE — COMPANIES ANNOUNCED 153,074 JOB CUTS IN OCTOBER, NEARLY TRIPLING YEAR-OVER-YEAR FROM 2024 LEVELS.

[Financelot @FinanceLancelot]

Chipotle $CMG is down -16% after warning that the economy is terrible for anyone below the age of 60.

[Craig Fuller 🛩🚛🚂⚓️ @FreightAlley]

Trucking freight volumes, a signal for the goods economy are a dumpster fire right now (-17% YoY)

[MacroEdge @MacroEdgeRes]

“Trucking freight volumes, a signal for the goods economy are a dumpster fire right now (-17% YoY)” - @FreightAlley

#MacroEdge

[The Kobeissi Letter @KobeissiLetter]

Americans are falling behind on their car payments at alarming rates:

Subprime auto loan delinquency rates reached 6.43%, the 2nd-highest on record.

The 60-day delinquency rate for subprime auto loans has more than DOUBLED over the last 3 years.

Delinquency rates are now ~1.4 percentage points ABOVE the 2008 Financial Crisis peak.

Meanwhile, an estimated 1.73 million vehicles were repossessed last year, the highest total since 2009.

Is an auto debt crisis forming?