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📰 Market Headlines

Stocks bounced back Monday as investors looked past President Trump's latest tariff threats.

• The Dow added 0.4%, the S&P 500 rose 0.6%, and the Nasdaq popped nearly 1%.

• The 10-year Treasury yield hit 4.503% ahead of key inflation data set for Wednesday.

Steel stocks surged as President Trump announced 25% tariffs on all steel and aluminum imports.

Elon Musk and investors offered $97.4 billion to take over OpenAI, calling Sam Altman a "swindler."

A judge extended the deadline for federal workers to accept President Trump’s buyout offer.

DJT / Elon moved to shut down the Consumer Finance Protection Bureau.

🎰 Alts this week

Glamping is a world where customers pay luxury prices for a product that costs barely more than the land it sits on. With rising demand, high margins & hotel brands entering the space, it's worth exploring.

⛺ Dig into glamping, then set up some tents in your back garden to rent out to yuppies.

🧠 Make yourself heard

🚨 Apologies for the wall of text, but this one is important.🚨

As noted above, Elon has moved to shut down the CFPB.

So I asked Elon’s Grok three things and am pasting in a tidied-up version of each answer:

What are some good reasons for this?

Reduced Regulatory Burden: Financial businesses may face fewer regulatory hurdles, allowing for quicker and less costly development of new products and innovations. This reduction in oversight could stimulate increased entrepreneurial activities within the financial sector.

Lower Compliance Costs: Companies could save on compliance-related expenses without adhering to CFPB regulations. This cost reduction might be especially advantageous for smaller financial firms that find regulatory compliance particularly burdensome.

Increased Market Freedom: The absence of the CFPB could lead to decreased government intervention in financial markets. Proponents argue this might foster a more competitive environment where companies have greater freedom to innovate with financial products and services.

Streamlined Government Operations: Eliminating the CFPB could contribute to making federal operations more efficient by reducing government spending and bureaucracy. Advocates for smaller government suggest that such streamlining can lead to more effective governance.

What are some of the CFPB’s big wins? Has it positively impacted retail investors?

The Consumer Financial Protection Bureau (CFPB) has been instrumental in implementing key reforms and protections for consumers and retail investors:

Mortgage Lending Reforms:

• Qualified Mortgage (QM) Rule: Established standards to prevent risky mortgage practices, shielding consumers from predatory lending and aiming to avert another housing crisis.

• Ability-to-Repay (ATR) Rule: Mandated that lenders verify a borrower's capacity to repay before issuing a mortgage, reducing the likelihood of future foreclosure crises.

Credit Card Accountability:

• Through support of the CARD Act, the CFPB achieved clearer billing practices, restricted arbitrary interest rate hikes, and enforced protections against sudden changes in credit card terms.

Overdraft Protection:

• Regulated banks' handling of overdraft fees by requiring consumer opt-in for overdraft services and limiting the frequency and amount of these fees, promoting fairer banking practices.

Debt Collection Practices:

• Implemented rules to ensure fair debt collection, including setting time limits on debt collection lawsuits and clarifying how collectors can communicate with consumers, reducing harassment and abuse.

Student Loan Oversight:

• Took action against mismanagement by loan servicers, provided relief for defrauded students, and improved programs like the Public Service Loan Forgiveness, benefiting countless borrowers.

Payday Lending Regulations:

• Enforced rules to break the cycle of debt associated with payday loans by requiring lenders to assess a borrower's ability to repay, curbing predatory lending practices.

Consumer Complaints Database:

• Created a public platform for consumers to lodge complaints against financial institutions, enhancing transparency and holding companies accountable.

Positive Impacts on Retail Investors:

Protection Against Unfair Practices:

• Oversees financial products to ensure retail investors aren't misled or harmed by unfair or deceptive practices, safeguarding their investments.

Education and Awareness Initiatives:

• Provides resources to boost financial literacy, helping investors navigate the financial system wisely and make informed decisions.

Regulation of Prepaid Accounts:

• Enforces better disclosure of fees and protections against unauthorized transactions, which is crucial for investors using prepaid accounts for financial activities.

Enforcement Against Misleading Products:

• Acts against companies offering deceptive investment products, protecting investors from high-risk or unsuitable offerings like certain annuities or retirement accounts.

Combating Financial Scams:

• Through regulation and consumer education, the CFPB helps shield retail investors, particularly the less sophisticated, from fraudulent schemes and scams.

Transparency in Fees:

• Promotes clear disclosure of fees associated with financial services, enabling investors to understand the costs tied to investment products like mutual funds or advisory services.

The CFPB's efforts have collectively strengthened consumer protection and fostered a more transparent and fair financial marketplace, directly benefiting retail investors by promoting integrity and accountability in financial services.

How might it positively impact Elon Musk's business interests?

Expansion of Financial Services on X (Formerly Twitter):

• Elon Musk has shown interest in integrating financial services, including payment systems, into X. Without the Consumer Financial Protection Bureau (CFPB), regulatory oversight on these new ventures could be less stringent. This might allow for quicker implementation and reduced scrutiny regarding how these services operate or handle user data.

Tesla's Financing and Insurance Services:

• Tesla has been exploring financing and insurance options for its customers. The absence of the CFPB could mean fewer consumer protection regulations in these areas, potentially easing Tesla's entry into or expansion within these markets.

Broader Business Operations (SpaceX and Other Ventures):

• Although not directly tied to consumer finance, a general reduction in regulatory oversight might extend to other sectors where Musk's companies operate. This could foster a more permissive environment for business operations across his ventures.

Reduction of Potential Legal Risks:

• Musk's call to "delete the CFPB" suggests a strategic interest in diminishing an agency that enforces consumer protection laws. This could have implications for any of his companies offering financial services or managing consumer data, potentially reducing legal risks associated with regulatory compliance.

 📊 Ideas, trends, and analysis

• Far-right support among young German men hit 26%, doubling since 2022, as AfD gains traction with radical economic policies.

😱 Fear and Greed Index

📊 Winners and losers

Earnings, upgrades, and acquisitions

• McDonald's reported a 4% decline in Q4 EPS; shares jumped 4.8%.

• Monday.com reported a 32% revenue increase in Q4; shares surged 35.2%.

Market movers

• TikTok Shop tested a subscription model to compete with Amazon’s subscribe-and-save.

• Microsoft adjusted Office-Teams pricing to reduce the risk of an EU antitrust fine.

• Disney scaled back DEI programs, removing two initiatives from its annual filing.

• Morgan Stanley launched a $2.97 billion loan sale to help X Corp. refinance Musk’s debt.

• Mass General Brigham announced its largest-ever layoff, aiming for $200 million in savings.

• Meta cut 4,000 jobs, shifting resources to AI while targeting low performers.

Invest with the art investment platform with 23 profitable exits.

How has the art investing platform Masterworks been able to realize an individual profit for investors with each of its 23 exits to date?

Here’s an example: an exited Banksy was offered to investors at $1.039 million and internally appraised at the same value after acquisition. As Banksy’s market took off, Masterworks received an offer of $1.5 million from a private collector, resulting in 32% net annualized return for investors in the offering.

Every artwork performs differently — but with 3 illustrative sales (that were held for 1+ year), Masterworks investors realized net annualized returns of 17.6%, 17.8%, and 21.5%.

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Past performance not indicative of future returns. Investing Involves Risk. See Important Disclosures at masterworks.com/cd.

🎤 What you said last time

What you had to say:

“And Boeing lost to SpaceX?!”

📺 What to Watch Today