US home construction falls and rates go up. Have we officially hit our affordability ceiling? What’s going on with real estate?

Summary: Uber could go public and Lyft announces a subscription plan. Is ride sharing cheaper after factoring in insurance, gas and auto payments? I also look at mixed Q3 returns and the decrease in home construction and affordability. Other topics include: • Canada legalizing marijuana • International investing- why you do it and why you buy when it’s down • Comparing scholarship funds • Common things people don’t ask for help with on their financial plan • What could end the bull market?