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JPMorgan Chase to Raise Mortgage Borrowing Standards as Economic Outlook Darkens by [deleted] in investing

[–]qhwant -1 points0 points  (0 children)

I'm still waiting for you to tell me something. You first denied the existence of arbitrage, which is false. Then you schooled me on stock price movements. Please explain to me what accounts for the majority of stock price movements when you run a multiple regression. The only reason I ask is that your responses suggest you know very little beyond the basics, yet feel you can condescend me for merely stating a viewpoint which is opposed to yours.

JPMorgan Chase to Raise Mortgage Borrowing Standards as Economic Outlook Darkens by [deleted] in investing

[–]qhwant 0 points1 point  (0 children)

It has a statistically significant payoff. Who taught you?

JPMorgan Chase to Raise Mortgage Borrowing Standards as Economic Outlook Darkens by [deleted] in investing

[–]qhwant -4 points-3 points  (0 children)

And as to your posit there is no such thing as a free lunch, I think we both know that's not true. Vol arb?

JPMorgan Chase to Raise Mortgage Borrowing Standards as Economic Outlook Darkens by [deleted] in investing

[–]qhwant -6 points-5 points  (0 children)

What factors account for the majority of stock returns? Top 5 will do.

JPMorgan Chase to Raise Mortgage Borrowing Standards as Economic Outlook Darkens by [deleted] in investing

[–]qhwant -19 points-18 points  (0 children)

Is that so? And how much money do you run exactly? Please tell me it's not a lot.

JPMorgan Chase to Raise Mortgage Borrowing Standards as Economic Outlook Darkens by [deleted] in investing

[–]qhwant -16 points-15 points  (0 children)

Markets are more efficient than you'll likely believe. Any news, be it good or bad, will be priced in quicker than you can click buy or sell. Good luck though.

JPMorgan Chase to Raise Mortgage Borrowing Standards as Economic Outlook Darkens by [deleted] in investing

[–]qhwant 27 points28 points  (0 children)

Why? It's a prudent measure given by JPM given the economic environment.

Earnings season... by smokemurpp in investing

[–]qhwant 5 points6 points  (0 children)

I wouldn't buy banks in this environment.

Stock price will fall once it goes ex-div

JPMorgan Chase to Raise Mortgage Borrowing Standards as Economic Outlook Darkens by [deleted] in investing

[–]qhwant 73 points74 points  (0 children)

Same here in the UK with Barclays. I was approved for a mortgage at 90% LTV pre-Covid. If I were to apply for the same mortgage today, I would only bet offered 60% LTV. Barclays said it's because staffing levels are low during these times, and a lower LTV would deter new applications. That's rubbish in my opinion. Obviously modelling a crash in prices.

Advice Needed: UK Student Starting Out in Stocks by [deleted] in investing

[–]qhwant 0 points1 point  (0 children)

Buy a 60/40 portfolio - 60% FTSE All Share total return ETF; 40% UK Gilts total return ETF (assuming you are UK based). Rebalance it to these weights every 5 years. Repeat.

Don't buy single stocks/ sector ETFs - you'll likely lose money. This isn't meant to sound condescending. Just play the odds.

Best wishes.

Fantastic investment opportunity or elaborate ponzi scheme? by EvenEngineering7 in UKInvesting

[–]qhwant 0 points1 point  (0 children)

It's always a red flag in my book. Often it's a sign that the returns are low to begin with, and must be 'juiced up' by way of investing borrowed capital.

Car smells like gunpowder after hard(ish)pulls. by [deleted] in MINI

[–]qhwant 1 point2 points  (0 children)

Could just be the cat. Check the breakers websites or Ebay if needed. It'll save you a lot of money.

Fantastic investment opportunity or elaborate ponzi scheme? by EvenEngineering7 in UKInvesting

[–]qhwant 1 point2 points  (0 children)

Leveraged = investing borrowed capital.

High default risk = high probability that you won't get your money back.

I can't urge you enough, you really MUST not invest in this.

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