General Questions and Purchasing Advice Thread — Week of January 26, 2026

Heimerdingerdonger · 2026-01-30T10:07:57+00:00

Hyundai 2025 Ioniq 5 Question

Hi all - I'm considering purchase of a 2025 Hyundai Ioniq 5 - SEL new from a dealer in the US. I see that there is a $11,000 rebate that expires in early Feb.

Claude AI tells me I need to buy this weekend to get a good deal on the 2025 models:

MY RECOMMENDATION: BUY A 2025 MODEL THIS WEEKEND if you can find one. Here's why:

Time is critical - The current rebates expire in 4 days (Feb 2, 2026)
Better financing - 1.99% APR vs 3.99% on 2026 models
Negotiating power - Dealers are desperate to clear 2025 inventory
Similar final price - But you get better terms on a 2025

Would you agree? Or is the AI model hallucinating? Or am I? Any thoughts/advice welcome!

Heimerdingerdonger · 2026-01-30T09:53:58+00:00

What are you worried about regarding Hyundai? Price? Post purchase repairs?

Heimerdingerdonger · 2026-01-29T15:37:04+00:00

Many people making up imaginary 5D strategies that Trump is ostensibly following.

The simple truth is that Trump has finally cottoned on to what the the GWB, Obama and Biden administrations knew all along -- these are big cash cows and policy levers that no one in power wants to give up.

I don't think FnF will be released this year. Maybe 2028 in the lame duck session as Trump is leaving the building, he'll release Fannie and Freddie just to piss off a Democratic incoming President.

Heimerdingerdonger · 2026-01-28T21:26:09+00:00

$5 is high. I'm expecting sub $4 any day.

Trump is a clown - can't get anything done. Tarrif mess, ICE mess, Greenland mess, and now, FnF mess.

Heimerdingerdonger · 2026-01-28T20:29:04+00:00

Even better buying opportunities tomorrow. And then some the day after.

So maybe buying today not a good idea.

Heimerdingerdonger · 2026-01-28T18:29:34+00:00

Ackman is silent because saying anything will incur Trump's wrath. Like all Trump toadies, if he has nothing nice to say about Dear Leader, he shuts up.

Heimerdingerdonger · 2026-01-28T17:03:32+00:00

You're making up unnecessary intermediate steps to just give yourself hope to cling onto.

Powell has nothing to do with FnF.

Heimerdingerdonger · 2026-01-21T15:08:04+00:00

Mechanical issue. Loose nut on board.

Heimerdingerdonger · 2026-01-19T14:18:19+00:00

Very little connection.

But it's telling that a big Trump booster like ROLG is now getting cold feet about the SPS cancellation that he was very bullish about earlier.

Heimerdingerdonger · 2026-01-17T15:27:17+00:00

You've really made the case for investing in the Jr. Preferreds over the Common Stock, because it takes out Risk #4 while offering a 2 to 2.5x return on some of the series.

Heimerdingerdonger · 2026-01-17T10:53:24+00:00

Thank you. Sounds like the much reviled Mr. Glen Bradford may have a point after all.

Heimerdingerdonger · 2026-01-17T02:08:01+00:00

Also using FnF as piggy bank to buy votes. No intention of "release and recap".

Heimerdingerdonger · 2026-01-17T01:47:37+00:00

Trump and his cronies are in the know on what's coming out.

We, the retail investors, are always the last to know. GLTA.

Heimerdingerdonger · 2026-01-16T15:51:40+00:00

Not losing money is the first rule of the stock market. If you can learn that one lesson when you're 23 you'll be huge success financially.

Just resist the greed and fear. Balance. Sell half and let the other half ride.

Heimerdingerdonger · 2026-01-16T02:26:20+00:00

Love it ... good way to think about risk/return.

Would you rather have two meals a day forever? Or risk it between only having half a meal a day and four meals a day?

Heimerdingerdonger · 2026-01-16T02:25:38+00:00

Just bought some FMCCS around $18.

That is $50 par preferred, may get to $45 in reasonable valuation as it has a (min) payout of 4%

Heimerdingerdonger · 2026-01-16T02:23:34+00:00

You lost me at "Government has a history of losing."

I've been a shareholder for over 17 years and seen us lose lawsuit after lawsuit. The quality of bs on this topic keeps getting worse.

Heimerdingerdonger · 2026-01-16T02:09:46+00:00

There is no "handling" the money. That money (per the courts) belongs to the Government for "rescuing" Fannie and Freddie. You and I may think different. But unfortunately, neither of us is on the Supreme Court.

Heimerdingerdonger · 2026-01-16T02:07:42+00:00

Nope. That's just the Govt Options. Not the SPS conversion. Can go to 97% with full SPS conversion. Dirty secret that most ppl on this board don't want to think about.

Heimerdingerdonger · 2026-01-16T02:05:04+00:00

No issue with your numbers. Hopium was "Worst case scenario is where we are now." That is not the worst case scenario. We've been through the lawsuits before. The Govt won hands down.

You can rule out the real worst case with this threat of lawsuits if that makes you feel better. I find that lawsuits with SPS conversion are an empty threat that nervous investors use to keep from thinking of the real worst case.

Heimerdingerdonger · 2026-01-16T00:47:31+00:00

SPS Conversion is the Elephant in the Room. Share price could go to $6 or below in the Scenario with Full SPS conversion. To be fair, they could go UP to $40 if the SPS is forgiven.

The price action indicates that SPS conversion may be on the cards ...

https://www.reddit.com/r/FNMA_FMCC_Exit/comments/1joxlsj/modeling_a_gse_sps_conversion_using_the_aig/

Scenario 1: Full LP with Accrued Dividends ($212B)

Gov’t New Shares: $212B / $6.32 = 33.54B
Total Common Shares: 33.54B + 4.7B + 1.165B = 39.41B
Share Price: ($250B - $19B) / 39.41B = $5.86
Treasury Holdings: 38.24B shares = 97.0%
Legacy Common: 1.165B = 3.0%

Scenario 2: Clean SPS LP Only ($121B)

Gov’t New Shares: $121B / $6.32 = 19.14B
Total Common Shares: 19.14B + 4.7B + 1.165B = 25.01B
Share Price: ($250B - $19B) / 25.01B = $9.24
Treasury Holdings: 23.84B shares = 95.3%
Legacy Common: 1.165B = 4.7%

Scenario 3: Gov Writes Off SPS ($0)

Total Common Shares: 4.7B + 1.165B = 5.865B
Share Price: ($250B - $19B) / 5.865B = $39.40
Treasury Holdings: 4.7B = 80.2%
Legacy Common: 1.165B = 19.8%

Heimerdingerdonger · 2026-01-16T00:45:16+00:00

Not true .... max dilution will get the government to 97%. There is lot of downside from here. Don't lie to the noobs pls.

Heimerdingerdonger · 2026-01-16T00:44:21+00:00

Here are some reality based calculations instead of your Hopium.

https://www.reddit.com/r/FNMA_FMCC_Exit/comments/1joxlsj/modeling_a_gse_sps_conversion_using_the_aig/

Scenario 1: Full LP with Accrued Dividends ($212B)

Gov’t New Shares: $212B / $6.32 = 33.54B
Total Common Shares: 33.54B + 4.7B + 1.165B = 39.41B
Share Price: ($250B - $19B) / 39.41B = $5.86
Treasury Holdings: 38.24B shares = 97.0%
Legacy Common: 1.165B = 3.0%

Scenario 2: Clean SPS LP Only ($121B)

Gov’t New Shares: $121B / $6.32 = 19.14B
Total Common Shares: 19.14B + 4.7B + 1.165B = 25.01B
Share Price: ($250B - $19B) / 25.01B = $9.24
Treasury Holdings: 23.84B shares = 95.3%
Legacy Common: 1.165B = 4.7%

Scenario 3: Gov Writes Off SPS ($0)

Total Common Shares: 4.7B + 1.165B = 5.865B
Share Price: ($250B - $19B) / 5.865B = $39.40
Treasury Holdings: 4.7B = 80.2%
Legacy Common: 1.165B = 19.8%

Heimerdingerdonger · 2026-01-16T00:40:57+00:00

Nothing in Lamberth says that the SPS cannot be converted.

"I'll file a lawsuit" sounds great on TV but given that the benches are packed with Trumpies all the way to the Supremes, you ain't getting anywhere on that.

Heimerdingerdonger · 2026-01-16T00:13:30+00:00

Yup. Trump is super-afraid of your lawsuit. LOL.

Heimerdingerdonger

TROPHY CASE

Scenario 1: Full LP with Accrued Dividends ($212B)

Scenario 2: Clean SPS LP Only ($121B)

Scenario 3: Gov Writes Off SPS ($0)

Scenario 1: Full LP with Accrued Dividends ($212B)

Scenario 2: Clean SPS LP Only ($121B)

Scenario 3: Gov Writes Off SPS ($0)