The Point of More Returns Podcast

Episode 3: Banks going to Zero?

Episode 3: Banks going to Zero?
Welcome to Point of More Returns. In episode 3, we discuss the future state of banking. Are bank stocks going to zero? Are we moving to a cashless society? Will the defi trend continue? Are the other currency types here to stay? 
 
Initial thoughts on the current state of the US Banking industry – 1:15
Specific pressures that the banks are facing  –  2:35
3 categories of banking: Payments, Investing, Lending – 3:30 
Recent experience getting a bank loan for a transaction  – 5:22
Future state of banking in the next 5 to 10 years – 7:35 
Lending is being revolutionized (web3, smart contracts) – 7:57
Banks going to zero? – 10:29
What does “going to zero” mean? – 11:16
Argument banks are not going to zero – 14:27
Smart contracts – 19:10
Alternative products – 25:54
Timing argument of banks going to zero – 27:19
Pace of banking’s decline – 28:27

Episode 2: The Real Estate Investment Thesis

Episode 2: The Real Estate Investment Thesis
Welcome to Point of More Returns. In episode 2, we discuss our outlook on the real estate industry.
 
Disclaimer: Always seek investment advice from a licensed investment professional that has done a thorough analysis of your situation.
We are seeing unprecedented times in the real estate market with hyper inflation, large investment companies investing in single family real estate
How will the shared economy and the gig economy reshape the real estate industry?
You don’t want to LOSE YOUR SHIRT 4:56
Will the US population change the outlook on real estate?
What else could impact the real estate industry? Covid? Regulation?
Additional challenges in the housing market? Competition? Work force? Raising rates?
Is it hard to get a deal done currently? 11:40
How will real estate be sold in the future? Will there be more aggregators, less agents? 13:39
If I own property today, what should I do with it? 20:00
The main 2 benefits of real estate investing: Cash Flow and Appreciation 21:15
Investment time horizon 22:17
Returns of the stock market vs. real estate investing 26:40
Is there legislation that will impact real estate investing? 32:01
Taxes and population 34:23
What portfolio mix of real estate holdings should I own? Single Family, Small Multi-Family, Commercial Retail, Commercial Residential 37:45

Episode 1: What is Point of More Returns?

Welcome to Point of More Returns. In episode 1, we discuss why we are starting an investment focused podcast. We explain our background, approach to investing such as an investment thesis and the challenges of online financial advice.
What is Point of More Returns? 
Why did we start this podcast?
Who are these guys?
Why has it been so hard to find sound financial advice online? 
What are the benefits of listening to this pod?
Why is an investment thesis so important?
Do you have an investment checklist?