So... What Becomes of College...

[] College stocks are dropping like a stone as college enrollment plunges, and people turn to YouTube to learn their skills. Today, we look at 2U, a dying education stock. [View in browser]( . College stocks are dropping like a stone as college enrollment plunges, and people turn to YouTube to learn their skills. Today, we look at 2U, a dying education stock. [View in browser]( . . [] [Havens Investment Letter] [] [Havens Investment Letter] [] [] [] Too Busy to Trade? This Might Be the Solution. On top of being a brilliant trader, Jeffry Turnmire is still a professional engineer. So he needed a strategy that fit his schedule. Then, he discovered an insane glitch in the market. Now, he trades for an hour at the opening bell, and clocks out for the rest of the day! [Watch this interview to learn all about Jeffry's discovery]( [] --------------------------------------------------------------- [] Too Busy to Trade? This Might Be the Solution. On top of being a brilliant trader, Jeffry Turnmire is still a professional engineer. So he needed a strategy that fit his schedule. Then, he discovered an insane glitch in the market. Now, he trades for an hour at the opening bell, and clocks out for the rest of the day! [Watch this interview to learn all about Jeffry's discovery]( [] --------------------------------------------------------------- [] [] So... What Becomes of College... [Garrett Pic] Dear Investor, Market momentum is Green. However, we experienced a flat trading day combined with weakness in the technology sector. Investors shouldn’t start buying up stocks ahead of tech earnings or the Fed meeting. Another leg down is highly possible. I’m on day seven of COVID-19, and even the slightest amount of work is painstaking. These headaches are no joke, and the fatigue is real. I keep telling myself that if I’m tired, I’ll rest. I don’t think I’d slept all day on a Saturday since college - and I felt like a big bag of “you know what” for doing so. Speaking of college, I remember a prediction that didn’t quite come true. In 2020, I worked with a team, and we had a pretty simple thesis. The “Death of College” - the idea that Americans would stop attending physical colleges and embrace technology as a means of self-education. You know: A real “do it yourself” approach to education. As a result, we would see hundreds of bankruptcies from mid-tier universities that had saddled themselves with record levels of debt in recent years. The stock we focused on was called 2U (TWOU), a digital provider of software tools to make education more affordable and transportable. It was supposed to be a revolutionary company. Even Cathie Wood bought a bunch of shares and added it to her ARK Innovation Fund (ARKK). That should have been the first sign of a problem. After shares hit $55.00 in February 2021 - the height of the COVID-19 tech bubble - the stock has declined by more than 80% and just received multiple downgrades. We’ll dive into why. The Problem With Dartmouth How unaffordable is college right now? This month, I conducted a deep dive into the cost of college. I wrote about Dartmouth College - or its tax name, the Trustees of Dartmouth College. The all-in cost of the university is $83,802 per year for room, board, tuition, and fees. What a steal, right? Especially for a university with an endowment of $8.5 billion that can’t even be bothered to provide scholarships in their latest effort to make the price more affordable for families making under $125,000. The school raised money from outside sources to help pay lower-income tuition… What great use of that endowment that avoids the capital gains taxes that you and I pay. So, I examined the return on investment for the school and found a stark divide between students who received degrees in STEM (Science, Technology, Engineering, and Mathematics) and anything else. Analysts at the Foundation for Research on Equal Opportunity (FREOPP) conducted a return on investment (ROT) analysis on 30,000 degrees at colleges across the United States. A Dartmouth college graduate with a degree in mathematics earns a lifetime ROI for that degree of $2.68 million. Computer science generates $2.11 million, and economics generates $1.8 million. Again, these are all publicly available numbers from FREOPP. But liberal arts majors do much worse. It’s not even close. FREOPP’s calculation on the lifetime ROI for a fine arts and studio arts degree: -$172,362. Yes, that’s a NEGATIVE six-figure estimate… And a degree in “cultural minority, gender, and group studies” comes with a negative $-107,391 ROI. I can’t for the life of me understand how these degrees are even legal. You’re better off not going to school. And That’s Happening Today, 2U shares slumped nearly 12% after Macquarie downgraded the sector to account for macroeconomic risks linked to a pending recession. The clear trend is a drop in post-secondary college enrollments as students struggle to pay the higher costs accelerated by cheap lending practices by the government. Wrote Macquarie’s team: "We think declining U.S. higher-ed enrollment trends and the firm's high net leverage present risks offset potential benefits from integrating edX.” It downgraded 2U stock to $11 per share. This story will likely generate more attention as the fall approaches and students “Return” to campus. Believe it or not, this is the first real recession that the U.S. has experienced since 2008, which means that it’s also the first since the U.S. government took over the entire college loan origination process (part of the Affordable Care Act 2010). It wouldn’t be surprising to see fewer enrollments this year, and questions start to circle around many mid-tier, private universities that face substantial debt levels and declining student populations. Perhaps the “Death of College” prediction will finally come true. As for 2U shares, they do not present a buying opportunity. They are now trading at nearly 80% of their 52-week high. Even though we are in positive momentum conditions, there remain some trends that are best ignored for now. That includes the weakness in college education for the foreseeable future. Enjoy your evening, [Garrett Sig] Garrett {NAME} Chief Analyst, American Markets [] --------------------------------------------------------------- [] [] So... What Becomes of College... [Garrett Pic] Dear Investor, Market momentum is Green. However, we experienced a flat trading day combined with weakness in the technology sector. Investors shouldn’t start buying up stocks ahead of tech earnings or the Fed meeting. Another leg down is highly possible. I’m on day seven of COVID-19, and even the slightest amount of work is painstaking. These headaches are no joke, and the fatigue is real. I keep telling myself that if I’m tired, I’ll rest. I don’t think I’d slept all day on a Saturday since college - and I felt like a big bag of “you know what” for doing so. Speaking of college, I remember a prediction that didn’t quite come true. In 2020, I worked with a team, and we had a pretty simple thesis. The “Death of College” - the idea that Americans would stop attending physical colleges and embrace technology as a means of self-education. You know: A real “do it yourself” approach to education. As a result, we would see hundreds of bankruptcies from mid-tier universities that had saddled themselves with record levels of debt in recent years. The stock we focused on was called 2U (TWOU), a digital provider of software tools to make education more affordable and transportable. It was supposed to be a revolutionary company. Even Cathie Wood bought a bunch of shares and added it to her ARK Innovation Fund (ARKK). That should have been the first sign of a problem. After shares hit $55.00 in February 2021 - the height of the COVID-19 tech bubble - the stock has declined by more than 80% and just received multiple downgrades. We’ll dive into why. The Problem With Dartmouth How unaffordable is college right now? This month, I conducted a deep dive into the cost of college. I wrote about Dartmouth College - or its tax name, the Trustees of Dartmouth College. The all-in cost of the university is $83,802 per year for room, board, tuition, and fees. What a steal, right? Especially for a university with an endowment of $8.5 billion that can’t even be bothered to provide scholarships in their latest effort to make the price more affordable for families making under $125,000. The school raised money from outside sources to help pay lower-income tuition… What great use of that endowment that avoids the capital gains taxes that you and I pay. So, I examined the return on investment for the school and found a stark divide between students who received degrees in STEM (Science, Technology, Engineering, and Mathematics) and anything else. Analysts at the Foundation for Research on Equal Opportunity (FREOPP) conducted a return on investment (ROT) analysis on 30,000 degrees at colleges across the United States. A Dartmouth college graduate with a degree in mathematics earns a lifetime ROI for that degree of $2.68 million. Computer science generates $2.11 million, and economics generates $1.8 million. Again, these are all publicly available numbers from FREOPP. But liberal arts majors do much worse. It’s not even close. FREOPP’s calculation on the lifetime ROI for a fine arts and studio arts degree: -$172,362. Yes, that’s a NEGATIVE six-figure estimate… And a degree in “cultural minority, gender, and group studies” comes with a negative $-107,391 ROI. I can’t for the life of me understand how these degrees are even legal. You’re better off not going to school. And That’s Happening Today, 2U shares slumped nearly 12% after Macquarie downgraded the sector to account for macroeconomic risks linked to a pending recession. The clear trend is a drop in post-secondary college enrollments as students struggle to pay the higher costs accelerated by cheap lending practices by the government. Wrote Macquarie’s team: "We think declining U.S. higher-ed enrollment trends and the firm's high net leverage present risks offset potential benefits from integrating edX.” It downgraded 2U stock to $11 per share. This story will likely generate more attention as the fall approaches and students “Return” to campus. Believe it or not, this is the first real recession that the U.S. has experienced since 2008, which means that it’s also the first since the U.S. government took over the entire college loan origination process (part of the Affordable Care Act 2010). It wouldn’t be surprising to see fewer enrollments this year, and questions start to circle around many mid-tier, private universities that face substantial debt levels and declining student populations. Perhaps the “Death of College” prediction will finally come true. As for 2U shares, they do not present a buying opportunity. They are now trading at nearly 80% of their 52-week high. Even though we are in positive momentum conditions, there remain some trends that are best ignored for now. That includes the weakness in college education for the foreseeable future. Enjoy your evening, [Garrett Sig] Garrett {NAME} Chief Analyst, American Markets --------------------------------------------------------------- [] FREE Workshop: Avoid Minefields w/ Higher Probability Crypto Strategy [alt coin warning]( [Click here to watch the broadcast now]( --------------------------------------------------------------- [] [] FREE Workshop: Avoid Minefields w/ Higher Probability Crypto Strategy [alt coin warning]( [Click here to watch the broadcast now]( --------------------------------------------------------------- [] [] [] >> Your Ticket << Exclusive Access to the Perfect Apple Trade Presentation If you ever thought that it’s way too late to see significant movement in major stocks like AAPL... 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Please be aware that the claims regarding investing or trading results of non-employees are not tracked by GFP nor can they be verified. As always, past performance is not necessarily indicative of future results. Therefore, results presented in this email should NOT be considered TYPICAL. Actual results can and will vary based on everything from experience, ability, risk mitigation practices, and market volatility... to the amount of money exposed in the investment or trade. Investing and trading are speculative and carry serious risk. You may lose some, all - or possibly more - than your original investment or trade. GODESBURG FINANCIAL PUBLISHING IS NOT AN INVESTMENT ADVISOR OR REGISTERED BROKER: GFP, including its owners and employees, are NOT registered as securities broker-dealers, brokers, or any sort of registered investment advisors with the U.S. Securities and Exchange Commission, any state securities regulatory authorities, or any self-regulatory organizations. GODESBURG FINANCIAL PUBLISHING EMPLOYEES MAY HOLD SECURITIES DISCUSSED: If a writer holds any securities in a communication, it will be disclosed along with the information on the potential investment or trade. HIR, its owners or employees, have not been - or ever will be - paid by the issuer of a security mentioned in our services or communications. GFP, its owners and employees are paid entirely or in part from commissions based on sales of their services to subscribers. For more information, please visit [our disclaimer page here.]( Sent to: {EMAIL} [Unsubscribe]( Godesburg Financial Publishing Inc., 251 Little Falls Drive, Wilmington, DE 19808, United States [] © 2022 Godesburg Financial Publishing, Inc. DISCLAIMER: COMMUNICATIONS FROM GODESBURG FINANCIAL PUBLISHING (GFP) ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY – NOT INVESTMENT ADVICE: GFP and all the services it offers are for educational and informational purposes only and should NOT be understood to be securities-related offers or solicitations. None of GFP’s communications should be considered or used as personalized investment advice. GFP recommends that you speak with a licensed professional before making any investment decision. RESULTS PRESENTED ARE NOT NECCESSARILY TYPICAL OR VERIFIED: GFP communications may include information regarding the historical trading performance of gurus in their services (all verified by a third party), as well as testimonials of non-employees depicting profitable investments and trades that are believed to be true based on the representations of the persons providing the testimonial of their own free will. Please be aware that the claims regarding investing or trading results of non-employees are not tracked by GFP nor can they be verified. As always, past performance is not necessarily indicative of future results. Therefore, results presented in this email should NOT be considered TYPICAL. Actual results can and will vary based on everything from experience, ability, risk mitigation practices, and market volatility... to the amount of money exposed in the investment or trade. Investing and trading are speculative and carry serious risk. You may lose some, all - or possibly more - than your original investment or trade. GODESBURG FINANCIAL PUBLISHING IS NOT AN INVESTMENT ADVISOR OR REGISTERED BROKER: GFP, including its owners and employees, are NOT registered as securities broker-dealers, brokers, or any sort of registered investment advisors with the U.S. Securities and Exchange Commission, any state securities regulatory authorities, or any self-regulatory organizations. GODESBURG FINANCIAL PUBLISHING EMPLOYEES MAY HOLD SECURITIES DISCUSSED: If a writer holds any securities in a communication, it will be disclosed along with the information on the potential investment or trade. HIR, its owners or employees, have not been - or ever will be - paid by the issuer of a security mentioned in our services or communications. GFP, its owners and employees are paid entirely or in part from commissions based on sales of their services to subscribers. For more information, please visit [our disclaimer page here.]( Sent to: {EMAIL} [Unsubscribe]( Godesburg Financial Publishing Inc., 251 Little Falls Drive, Wilmington, DE 19808, United States