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The Kobeissi Letter
US housing affordability has never been worse:
Median monthly housing costs in the US hit a record $3,104 in January.
Housing payments have almost DOUBLED over the last 5 years.
Average mortgage principal and interest payments reached $2,237/mo with property taxes of $416/mo.
Additionally, property and mortgage insurance costs were $198 and $163 in January.
All while the median home sales price spiked $31,300 to $446,300 in January, the second-highest on record.
Affordability is at all-time lows.
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US housing affordability has never been worse:
Median monthly housing costs in the US hit a record $3,104 in January.
Housing payments have almost DOUBLED over the last 5 years.
Average mortgage principal and interest payments reached $2,237/mo with property taxes of $416/mo.
Additionally, property and mortgage insurance costs were $198 and $163 in January.
All while the median home sales price spiked $31,300 to $446,300 in January, the second-highest on record.
Affordability is at all-time lows.
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The All-In Podcast
RT @andrewschulz: This was awesome. INDULGE!
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RT @andrewschulz: This was awesome. INDULGE!
e219: fixing the american dream with andrew schulz! 🇺🇸🇺🇸🇺🇸
@andrewschulz joins the besties for an incredible show:
-- tariffs and trump
-- fixing the dream: housing correction, social security reform
-- his rise in comedy, the value of youtube and an independent fan base
++ much more!
(0:00) the besties intro andrew schulz!
(3:29) @friedberg hits a quick science corner on the future of fertility
(9:35) reacting to @GavinNewsom's new podcast: genius or pandering?
(19:36) tariff experiment so far: risks, communication issues, and more
(30:44) why the american dream is broken and how to fix it: cracking the housing market, social security reform
(55:45) aligning upside via increased stock market participation
(1:11:23) how andrew blew up in comedy, going direct via youtube, building a cancel-proof following
(1:22:25) state of america, conspiracy obsession, thoughts on trump and doge tweet
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Offshore
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The Kobeissi Letter
US money supply growth is accelerating:
M2 money supply rose +3.9% year-over-year in January, the fastest pace in 30 months.
This is the 11th straight month of money supply expansion.
The amount of US Dollars in circulation has reached $21.6 trillion, just $16 billion below an all-time high set in April 2022.
Meanwhile, global money supply has risen by ~$2.0 trillion over the last 2 months, to its highest since September 2024.
Money supply is expanding again.
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US money supply growth is accelerating:
M2 money supply rose +3.9% year-over-year in January, the fastest pace in 30 months.
This is the 11th straight month of money supply expansion.
The amount of US Dollars in circulation has reached $21.6 trillion, just $16 billion below an all-time high set in April 2022.
Meanwhile, global money supply has risen by ~$2.0 trillion over the last 2 months, to its highest since September 2024.
Money supply is expanding again.
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Offshore
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Stock Analysis Compilation
Artisan US Mid Cap Growth Strategy on Onto Innovation $ONTO US
Thesis: Onto Innovation is well-positioned for growth in advanced semiconductor packaging and optical metrology due to increasing demand from AI and 3D chip architecture, despite recent short-term cyclical pressures which present a buying opportunity.
(Extract from their Q4 letter)
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Artisan US Mid Cap Growth Strategy on Onto Innovation $ONTO US
Thesis: Onto Innovation is well-positioned for growth in advanced semiconductor packaging and optical metrology due to increasing demand from AI and 3D chip architecture, despite recent short-term cyclical pressures which present a buying opportunity.
(Extract from their Q4 letter)
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Capital Employed
Essential weekend reading if you're seeking new investment ideas...
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Essential weekend reading if you're seeking new investment ideas...
43 ‘fresh-off-the-press’ stock pitches we’ve enjoyed reading in the past two weeks 👇
https://t.co/hLr6tNYp8F https://t.co/besuKszeao tweet
Offshore
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Alvin
Xiaomi 15 Ultra's Photography Kit
One thing that I noticed is that the grip is awesome and attaching the kit just feels so satisfying.
It also has a two-stage camera shutter button, record button, and EV adjustment button. They feel very high quality. https://t.co/7n9uZlqAYs
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Xiaomi 15 Ultra's Photography Kit
One thing that I noticed is that the grip is awesome and attaching the kit just feels so satisfying.
It also has a two-stage camera shutter button, record button, and EV adjustment button. They feel very high quality. https://t.co/7n9uZlqAYs
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Offshore
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Alvin
Yesterday, someone asked me to take some photos of him and his girlfriend at a mall.
I noticed that he uses a Samsung phone so when I captured those photos, the highlights looked so bad and it was difficult to get the dynamic range right.
So, I offered to take photos of them again, but using my vivo X200 Pro.
Won't show the results here, but safe to say that they were pleasantly surprised to see the results. 😊
Then they immediately asked me to send the photos.
This phone is a beast.
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Yesterday, someone asked me to take some photos of him and his girlfriend at a mall.
I noticed that he uses a Samsung phone so when I captured those photos, the highlights looked so bad and it was difficult to get the dynamic range right.
So, I offered to take photos of them again, but using my vivo X200 Pro.
Won't show the results here, but safe to say that they were pleasantly surprised to see the results. 😊
Then they immediately asked me to send the photos.
This phone is a beast.
tweet
Offshore
Photo
Alvin
Okay, another interesting detail about my interaction with strangers in public is that...
So many people are still unaware that they can use Quick Share on their Android phones to share files.
Instead, they usually ask me to send photos of them that I took through WhatsApp or Instagram, resulting in lower-quality photos.
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Okay, another interesting detail about my interaction with strangers in public is that...
So many people are still unaware that they can use Quick Share on their Android phones to share files.
Instead, they usually ask me to send photos of them that I took through WhatsApp or Instagram, resulting in lower-quality photos.
Yesterday, someone asked me to take some photos of him and his girlfriend at a mall.
I noticed that he uses a Samsung phone so when I captured those photos, the highlights looked so bad and it was difficult to get the dynamic range right.
So, I offered to take photos of them again, but using my vivo X200 Pro.
Won't show the results here, but safe to say that they were pleasantly surprised to see the results. 😊
Then they immediately asked me to send the photos.
This phone is a beast. tweet