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- Walmart's Surprising Move, XCN Watchlist, and the Student Loan Shock No One’s Ready For
Walmart's Surprising Move, XCN Watchlist, and the Student Loan Shock No One’s Ready For
Tariffs reshape retail, crypto eyes Swiftcoin correlations, and 5.3 million borrowers face wage garnishment—plus key mortgage mistakes and a mindset shift that could change your financial future.
Economic Ninja
May 11, 2025
Ninja News 5/11/25
May 10, 2025
🛍️ Walmart is leveraging its domestic sourcing strategy, with two-thirds of products coming from the US, to minimize exposure to tariffs.
🤝 The company is aggressively negotiating with overseas suppliers and introducing the "Grow with Us" program to help small businesses address tariff challenges.
💼 Walmart employs tough negotiation tactics with suppliers, demanding price cuts even from those on thin margins, and uses a stringent return policy that can significantly impact supplier profitability.
📊 The full impact of tariffs on the economy remains unclear, but major retailers like Walmart are preparing for potential negative effects.
💰 Trump's tariffs present a new economic challenge for consumers, compounding existing issues like inflation.
May 9, 2025
🔍 Contrarian investors like the Economic Ninja often make accurate predictions but face unpopularity for going against mainstream market sentiment.
📊 The "banana zone" strategy involves buying during dips, holding through volatility, and reinvesting profits to maximize returns in bull markets.
💰 Investors are advised to pull profits from Bitcoin during bull runs and reallocate into non-correlated asset classes to optimize wealth accumulation and reduce risk.
📈 A significant price correlation exists between XCN and Swiftcoin, with XCN investors closely monitoring Swiftcoin's performance and notable buy/sell walls at specific price points.
🤖 The Economic Ninja's courses teach algorithmic trading, AI bots, and market manipulation techniques to help investors make informed decisions and avoid losses.
📰 The Economic Ninja offers a free newsletter and X channel providing twice-weekly market updates and daily community engagement to keep investors informed.
May 7, 2025
🏛️ The US government will begin seizing federal benefits from 195,000 student loan defaulters in June, with wage garnishment notices reaching 5.3 million borrowers by late summer, marking the formal restart of involuntary collections.
💸 The Treasury Offset Program will allow the federal government to intercept tax funds, social security checks, and other federal payments to recover unpaid student debt.
📉 The enforcement of student loan repayments, coupled with cryptocurrency trends and IRS job losses, may lead to a significant contraction in spending and potentially trigger a major economic crash later this year.
🆘 Federal Student Aid has launched direct outreach and expanded support services to help borrowers avoid wage garnishment by enrolling in income-driven repayment plans, making voluntary payments, or beginning loan rehabilitation.
🤝 The government's decision to enforce student loan debt repayment, rather than forgiving debts, is viewed as a necessary step to promote honor and responsibility among borrowers.
🔮 The combination of government financial struggles, cryptocurrency phenomena, and reduced tax collection capacity may exacerbate economic contraction in both government and private sectors.
May 7, 2025
🚀 The "giving mindset" is a key characteristic of highly successful people, distinguishing them from others by focusing on enjoying life experiences rather than just accumulating wealth.
💼 Opening your own business allows for unlimited potential blessings, as opposed to the limited opportunities available as an employee constrained by employer-defined promotions and salaries.
🤔 The Economic Ninja posits that all human actions are inherently selfish, even seemingly altruistic acts like religious conversion are motivated by self-interest.
👔 Middle management often comprises individuals with the lowest self-esteem in a company, driven by a desire to exert authority rather than lead effectively or prioritize collective benefit.
💰 Increasing personal wealth enables individuals to reclaim time, assist others, and reduce limitations, potentially leading to a better world if more ethical people accumulate wealth.
May 5, 2025
🏠 A single mortgage mistake can cost tens of thousands of dollars over the loan's life, emphasizing the importance of comparing at least five lenders, including credit unions and online lenders, to potentially save $197 monthly on a $300,000 mortgage.
💳 Improving credit score from 620 to 760 can reduce interest rates by 1-2%, saving over $100,000 on a 30-year mortgage, with scores of 740 or higher qualifying for the best rates.
⏳ Opting for a 15-year mortgage or making extra payments on a 30-year loan can significantly reduce total interest, as mortgage interest is front-loaded.
💰 Aiming for a 20% down payment helps avoid costly Private Mortgage Insurance (PMI), but balance this with maintaining sufficient cash reserves post-closing.
🏘️ Budget for total homeownership costs by setting aside 1-2% of the home's value annually for maintenance and obtaining insurance quotes before closing to avoid unexpected expenses.
Go out and crush it!
The Ninja is OUT!
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