Daily Stock Markets in under 15 min. No ads. No politics! Easy to follow for your morning coffee, dog walk or commute.

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Substack Featured 3 times! Substack Best Seller list

Recommended by Doomberg, Adam Taggart, Bill Cara and many others.

Daily Stock Markets in under 15 min. No ads. No politics! Easy to follow for your morning coffee, dog walk or commute.

The free preview is only 3 min long. Upgrade and learn how to see the markets in a way Wall Street doesn't want you to see.

Premium member benefits:- Exclusive content on every podcast- Paid-only written content- Private chat feed with real time alerts- Stock setups and watch lists- Subscriber chart requests

https://www.notyouradvisor.com/subscribe

Substack Featured 3 times! Substack Best Seller list

Recommended by Doomberg, Adam Taggart, Bill Cara and many others.

Daily Stock Markets in under 15 min. No ads. No politics! Easy to follow for your morning coffee, dog walk or commute.

The free preview is 4 min long. Upgrade and learn how to see the markets in a way Wall Street doesn't want you to see.

Premium member benefits:- Exclusive content on every podcast- Paid-only written content- Private chat feed with real time alerts- Stock setups and watch lists- Subscriber chart requests

https://www.notyouradvisor.com/subscribe

Substack Featured 3 times! Substack Best Seller list

Recommended by Doomberg, Adam Taggart, Bill Cara and many others.

Intro Trailer for the Substack and Podcast

Thanks to subscriber Walt M. for suggesting Carvana for this spotlight!

Preface

The “Stock Spotlight” Series are designed for you to enjoy on your own or with family and kids, making it a fun way to learn about the stock market through fundamental and technical analysis.

The premium Study Guide is another great resource for family learning. Enjoy!

The NotebookLM discussion is available to all subscribers, both free and paid. Stock charts and analysis are exclusive to Premium Subscribers.

Carvana’s next earnings is Feb 19 after hours!

Introduction to the company

Carvana is an online-only used-car retailer that performs almost all the functions a physical dealer would offer: buying and selling cars, accepting trade-ins, and financing purchases.

Each detail page loads a 360-degree tour of the vehicle, a photo gallery, and a free CarFax report. Carvana says every vehicle is Carvana Certified, meaning it has passed a 150-point inspection, has a clean title, no reported accidents, and no fire, frame, or flood damage.

Clicking "Delivery & Pickup Options" tells you how soon you can have a car delivered to your nearest Carvana market.

To finance through Carvana, the company requires you be at least 18 years old, make at least $10,000 per year, and have no active bankruptcies. Carvana doesn't accept co-signers for financing. Pending verification of the applicant, the finance terms offered are good for 45 days.

If you don't live in a local market, you have two choices. You can pay a non-refundable shipping charge to have your car delivered to your door by a third-party company within a delivery window of "a few days." The shipping cost can be added to the financing. If you return the car, you will get back the amount you paid minus the shipping fee.

Or you can go to a local market to retrieve your car, Carvana reimbursing you up to $200 for a plane ticket so long as you decide to keep the car. A Carvana rep will pick you up in the local market and escort you to your car or to a vending machine if you're in one of the 25 markets that have them. At the machine, you'll be given a token to feed the giant toy box to get your car.

Once you've met the vehicle, a driver's license and proof of insurance gets you a test drive of up to 20 minutes. If you don't like the car, you can send it back right there. If you do like the car, you fill out the final forms and registration paperwork, and it's yours to drive home.

Slides

JPM 2024 auto conference, Aug 7 2024

Perplexity Finance page

The Bullish view(s)

The Bearish view

Hindenburg Research Launches a Short position

“Carvana: A Father-Son Accounting Grift For The Ages”

Published onJanuary 2, 2025

But a few weeks later

“Hindenburg founder to close short-seller behind Adani, Nikola selloffs”

"So over the next 6 months or so I plan to work on a series of materials and videos to open-source every aspect of our model and how we conduct our investigations," he said of his future plans.

Scot Kilmer’s YouTube channel has over 6M subscribers and focuses on Automotive content. This particular video about one car his friend bought has over 400k views.

Not Your Advisor Analysis 🥷👇

-Foreword-

If you have been following my work, you already know I attribute a lot of my learning to Bill Cara and his work. He is relaunching an extensive Weekly report that covers the entirety of the market, and it is over 300 pages long with institutional level insight with a macro lens on the global machine that is the “Market”.

When Bill used to publish these weekly reports I initially understood a very small percentage of the report. I slowly began to chip away and tried to learn and much as I could week to week, researching the topics I did not understand. I then began to question him and do my own research on why Bill said certain things or why he was focusing on a particular piece of the jigsaw puzzle.

Here is the latest AI generated podcast that summarizes the full report. At over 300 pages this macro view of the global markets is institutional level content and is only available to premium subscribers moving forward.

www.notyouradvisor.com/subscribe

Or you can also subscribe and contact Bill via Billcara.com for a copy.

In this weeks testimony on Feb 11, Jerome Powell made a stunning but logical observation.

In order to qualify for a mortgage in America you need to have home owners insurance because you are not the home owner until you have made 360 payments. The bank is the owner! Your debt and the house are on their asset column. The mortgage loan is in your liabilities column.

So Powell is simply making the deduction that if Californian’s cannot get Fire/Home insurance, then they wont have access to bank mortgages.

But for him to openly say this on video is stunning. And no one is talking about it.

Go to the Substack for the the full 5 minute news broadcast.

This week State Farm requested an Emergency 22% increase in rates for California home owners insurance, which the Insurance Commissioner rejected.

I suspect California is on the brink of a real big math problem. One more big wild fire. One big Earthquake or natural disaster, and we may see major structural issues for all Financial institutions that own loans on residential or commercial real estate. Forget “Mark to Market”.

It will be “Mark to Uninsurable” values on their loan books in places like California and Florida.

Can you blame home insurance companies? Let’s imagine you and I start a new insurance company insuring Malibu or Miami real estate. Shouldn’t we use all the math we can to calculate a risk reward and charge enough premium to make sure we can

* A) cover it in case of more wild fires and

* B) make a respectable profit doing it?

If the state of California prevents that from happening, and forces a fixed rate, then don’t we need to increase the rate of everyone, even those not in disaster areas? It is simply business.

Taking a very deep breath as I have family and friends who lost all of their primary home or their investment property in the recent Los Angeles wild fires.

The people of California are going to be the big losers. Because as we have seen in the recent past, State Farm and all the financial institutions who are the real owners of these properties, will race to oblivion and be rescued.

So we continue to live our isolated lives thinking all is well and someone will save us.

It’s time to put on our own capes!

Today's Stock Markets in under 15 min. No ads. No politics! Easy to follow for your morning coffee, dog walk or commute.

Unlock full episodes and Stock Market content by upgrading: https://www.notyouradvisor.com/subscribe

Premium member benefits:- Exclusive content on every podcast- Paid-only written content- Private chat feed with real time alerts- Stock setups and watch lists- Subscriber chart requests

Substack Featured 3 times! Substack Best Seller list

Recommended by Doomberg, Adam Taggart, Bill Cara and many others.