The Big Picture

AUGUST 29, 2023

Savings rates have rocketed and UK savers can earn over 5% on deposits. Schroders ) • The Exact Age When You Make Your Best Financial Decisions There’s a magic number for when your expertise and cognitive powers align. Wall Street Journal ) • Why Are Mortgage Rates So High? With the 10 year at 4.2%

Insurance 130

Insurance Math Economics Economy 130

Calculated Risk

MARCH 11, 2024

From Matthew Graham at Mortgage News Daily: Mortgage Rate Winning Streak Finally Pauses, But Just Barely Mortgage rates hit their best levels in more than a month by the end of last week after moving lower for 4 straight days. A]ll eyes are on CPI tomorrow.

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Abnormal Returns

DECEMBER 18, 2022

awealthofcommonsense.com) What is going to happen to home prices if mortgage rates stay above 6%? awealthofcommonsense.com) This is the best present to yourself and others. Top clicks this week What is the bond market saying about the economy right now?

Economy 162

Economy Marketing Marketing 162

MainStreet Financial Planning

SEPTEMBER 6, 2023

You can’t control mortgage rates, but there is plenty you can control about your home purchase! Are you like me feeling like you missed the boat on buying a home when mortgage rates were lower? Well, here is a little history lesson on mortgage rates that hopefully makes you feel better!

Insurance 93

Insurance Planning Budgeting Numbers 93

The Irrelevant Investor

DECEMBER 26, 2023

Cuban: Tech bubble worse now than 15 years ago Vanguard is closer than ever to ending BlackRocks ETF reign Housing market update: Declining mortgage rates lure sellers off sidelines, paving way for 2024 buyers Free land in the US: 16 small towns. The post Animal Spirits: What Will Perform Best in 2024?

Marketing 99

Marketing Marketing 99

Calculated Risk

AUGUST 11, 2022

From the MBA: Mortgage Delinquencies Decrease in the Second Quarter of 2022 The delinquency rate for mortgage loans on one-to-four-unit residential properties decreased to a seasonally adjusted rate of 3.64 According to Walsh, of all the economic indicators that can lead to mortgage delinquencies, the U.S.

Economics 145

Economics Sales Marketing Marketing 145

The Big Picture

NOVEMBER 21, 2023

My Two-for-Tuesday morning train WFH reads: • The Share of Americans Who Are Mortgage-Free Is at an All-Time High : Almost 40% of US homeowners own their homes outright as of 2022—many of them baby boomers who refinanced when rates were low. The Week ) • The best place for product reviews is … Reddit?

Startup 246

Startup Commission Media Government 246

The Big Picture

AUGUST 31, 2023

Bloomberg ) • The most important chart in the world : It’s tempting to dismiss the whole concept of R* — the supposed “natural” level of interest rates — as yet another pointless theoretical construct by economists suffering from an acute degree of physics envy. Is John Chambers the Best CEO On Earth?”

Strategic Planning 246

Strategic Planning Economics Valuation Consulting 246

The Big Picture

OCTOBER 25, 2022

We rode out the pandemic at home, doing our best via Zoom and Teledoc, Pelotons and Netflix. In the pre-GFC 2000s, rapidly rising home prices — driven largely by reckless lending practices and rapidly falling mortgage rates.– Those rates are driven primarily by the FOMC action.

Government 275

Government Assets Retail Manufacturing 275

Nerd's Eye View

APRIL 9, 2024

In this episode, we talk in-depth about how lessons from Andrew's niche, partners at the "Big 3" management consulting firms, inform Geometric's deliberate hiring and training processes, why Andrew hired a Chief Operating Officer relatively early in the firm's growth cycle (before he even hit $5M in revenue) to handle the growing people-management (..)

Financial Advisor 130

Financial Advisor Consulting Wealth Advisor Clients 130

The Big Picture

SEPTEMBER 28, 2023

Since the worst of the pandemic began to wind down last year, we have been wrestling with two key issues: 1) Inflation, or the rate at which prices are rising; and 2) Costs, meaning the absolute level of prices. The rate of change may have fallen, but everything remains more expensive. A tiny infrastructure build was also included.

Government 291

Government Medicine Economy Healthcare 291

Calculated Risk

DECEMBER 30, 2023

Wishing you all the best in 2024. increase in construction spending. -- Wednesday, January 3rd -- 7:00 AM ET: The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index. million SAAR in November (Seasonally Adjusted Annual Rate). Happy New Year! The consensus is for a 0.5%

Manufacturing 70

Manufacturing Sales Government 70

The Irrelevant Investor

JANUARY 18, 2024

The post The Compound and Friends: Adam Parker Returns appeared first on The Irrelevant Investor.

Banking 77

Banking Management Investing Investments 77

Darrow Wealth Management

OCTOBER 1, 2022

Is retiring with a mortgage a good idea? Most individuals will jump through hoops to live mortgage-free, regardless of whether it makes the most sense financially. But in most cases, all isn’t equal: paying off a mortgage early or forgoing one entirely typically comes at the expense of something else.

Retirement 81

Retirement Taxes Math Wealth Management 81

Abnormal Returns

DECEMBER 14, 2022

calculatedrisk.substack.com) 30-year mortgage rates are down some 1.125% off their highs. newsletter.abnormalreturns.com) Mixed media This is the best present to yourself and others. (institutionalinvestor.com) Short selling no longer feels like a fraught proposition. ft.com) Housing The housing market is rapidly rolling over.

Financial Advising 130

Financial Advising Media Management Marketing 130

Calculated Risk

FEBRUARY 27, 2023

From Matthew Graham at Mortgage News Daily: Mortgage Rates a Bit Lower to Begin The Week Mortgage rates began the new week on a modestly positive note. The average lender is now quoting conventional 30yr fixed loans at a slightly lower rate than last Friday afternoon.

Manufacturing 52

Manufacturing Sales 52

Abnormal Returns

OCTOBER 14, 2023

abnormalreturns.com) Sub-3% mortgage rates are now a distant memory. nextbigideaclub.com) Best Buy ($BBY) is getting out of the DVD business. (abnormalreturns.com) The current ETF market provides something for everyone. abnormalreturns.com) Dying with zero: the life of Charles Feeney. Then check out our weekly e-mail newsletter.

Food 273

Food Media Financial Advising Transportation 273

The Irrelevant Investor

AUGUST 30, 2022

Today’s Animal Spirits is brought to you by YCharts: See here for YCharts research on which leading indicators best predict market declines. On today’s show we discuss: A Wealth of Common Sense on student loan forgiveness Powells speech Laid-off workers quickly find jobs Want a lower mortgage rate?

Sales 92

Sales Marketing Marketing 92

Calculated Risk

OCTOBER 31, 2022

From Matthew Graham at Mortgage News Daily: Mortgage Rates Slightly Higher To Start The Week. More Volatility Ahead Mortgage rates are fresh off their best week since at least July and their best winning streak (in terms of consecutive days moving lower) in well over a year. The consensus is for 0.5%

Sales 52

Sales Manufacturing 52

MainStreet Financial Planning

APRIL 4, 2023

Reverse Mortgages! Hosted by: Cynthia Flannigan , CFP ® Guest commentator: Homa Rassouli Reverse Mortgage Specialist, Mutual of Omaha As a homeowner, you are building equity in your home. This session will help answer the questions: What is a Reverse Mortgage? How can you use a Reverse Mortgage?

Financial Planner 90

Financial Planner Financial Planning CFP Education 90

Ballast Advisors

JUNE 12, 2023

The home mortgage is often the biggest transaction of a person’s life. In today’s dynamic economic landscape, mortgage interest rates play a significant role in shaping individuals’ financial plans. It’s important to understand how to best leverage different interest rate environments for your long-term goals.”

Financial Planning 52

Financial Planning Planning Investing Investments 52

MainStreet Financial Planning

APRIL 21, 2023

For our April Chalk Talk , I invited my friend and Reverse Mortgage Specialist, Homa Rassouli from Mutual of Omaha. She has over 38 years of financial services and mortgage industry experience with the last 16 exclusively in the reverse mortgage business so I knew she would educate us all a little bit more about reverse mortgages.

Insurance 84

Insurance Medical Financial Services Retirement 84

Clever Girl Finance

AUGUST 30, 2022

If you are a homeowner, at one point or the other during the life of your mortgage, you may find yourself thinking, "is now a good time to refinance my mortgage?" The promise to save yourself thousands in payments is definitely tempting, especially when interest rates are low. What does it mean to refinance my mortgage?

Budgeting 78

Budgeting Insurance Government Numbers 78

Aleph

NOVEMBER 17, 2022

For some people/entities with home/commercial mortgages, for the first time in a while, it is possible to invest in US Treasuries at rates higher than the rate on your mortgage. million, with a first mortgage loan of $470K @ 3.8% AEY [Annual Equivalent Yield], and a second mortgage loan of $270K @ 3.6%

Media 59

Media Numbers Investing Investments 59

The Big Picture

DECEMBER 13, 2022

Brookings ) see also How the Fed Causes (Model) Apartment Inflation : Home prices are rising, in part due to a lack of inventory but exacerbated a great deal by rapidly rising mortgage rates. Those rates are driven by the FOMC action. How the BLS currently measures changes in the cost of housing for both renters and homeowners.

Recruitment 150

Recruitment Distribution Accounting Portfolio 150

Good Financial Cents

FEBRUARY 3, 2023

Stop paying crazy-high interest rates. Lower your mortgage payment. Negotiate your auto insurance rates, and save big! Once you sign up, you can usually earn $10 – $30 just by answering questions or rating products or services! For further reading, here is my review of the 11 best online survey sites.

Insurance 106

Insurance Accounting Budgeting Banking 106

Random Roger's Retirement Planning

NOVEMBER 17, 2023

During the pandemic, interest rates were taken to zero which took mortgage rates considerably below 3%. Free money pushed housing prices much higher, then headline price inflation skyrocketed causing the Fed to dramatically raise rates. There's something to the argument, more so now that mortgage rates are high again.

Retirement 52

Retirement Insurance Taxes Planning 52

Carson Wealth

NOVEMBER 6, 2023

Although many were worried, the economy remained quite strong and odds were high the Fed was done hiking rates. Stocks soared last week, marking the best week of the year and potentially kicking off a year-end rally. The unemployment rate ticked up from 3.8% Between 1996 and 1999, the unemployment rate averaged 4.8%.

Marketing 96

Marketing Marketing Economy Numbers 96

Integrity Financial Planning

DECEMBER 13, 2022

The 2022 economy has broken multiple records, first, with the highest inflation rate in 40 years, and now, the highest federal reserve interest rates since 2008. [1] 1] In efforts to curb raging inflation, the US Federal Reserve has raised interest rates six times in 2022, reaching a target of 3.75% in November. [2] 1] [link].

Financial Planning 97

Financial Planning Accounting Economy Retirement 97

MainStreet Financial Planning

JULY 11, 2022

Let’s look at the options available to you so you can choose the best path for your situation. But consider that by using your savings, you are giving up the opportunity to invest that money in something which could potentially earn you a higher rate of return than investing in your home. Option #1 – Use your savings.

Financial Planning 52

Financial Planning Planning Investing Investments 52

Mr. Money Mustache

SEPTEMBER 4, 2023

Whoa, have you seen what just happened to interest rates!? Interest rates, which have been gliding along at close to zero since before the Dawn of Mustachianism in 2011, have suddenly shot back up to 20-year highs. Will interest rates keep going up? And will they ever go back down? So let’s talk about strategy.

Economy 118

Economy Banking Budgeting Investing 118

A Wealth of Common Sense

AUGUST 31, 2022

Today’s Animal Spirits is brought to you by YCharts: See here for YCharts research on which leading indicators best predict market declines. On today’s show we discuss: A Wealth of Common Sense on student loan forgiveness Powells speech Laid-off workers quickly find jobs Want a lower mortgage rate?

Sales 65

Sales Marketing Marketing 65

The Big Picture

JULY 20, 2023

PIMCO ) • What Could Derail Private Credit’s Momentum? What is this stuff, why is it here, and perhaps most importantly—what should we do about it? BBC ) • How Drake won : The Canadian, biracial, Jewish, middle-class, former child actor has reshaped rap, pop, and the masculinity wars. (

Valuation 100

Valuation Assets Management Investing 100

Discipline Funds

OCTOBER 20, 2023

1) What’s the best inflation hedge? There’s always a lot of debate about what the best inflation hedge is. Weird for an instrument that is called “inflation protection”, but not really that weird given that TIPS have pretty high interest rate risk. One of the better and more stable performers on the list.

Economy 73

Economy Retail Government Banking 73

Good Financial Cents

SEPTEMBER 8, 2023

” You may have credit card debt, an auto loan, and a mortgage payment to make once you buy your first home. Here’s a rundown of how to get the best results: Table of Contents 1. After all, unsecured debts tend to have higher interest rates than secured debts like auto loans. Which debts should you pay off first?

Budgeting 75

Budgeting Retirement Investing Investments 75

Gen Y Planning

FEBRUARY 1, 2024

So, when it comes to handling your finances, it’s natural to think that the information you hear repeatedly is the best advice to follow. For this example, we’ll assume an annual rate of return of 7%. We’re told time and time again that success means a white picket fence and a (large) mortgage. You’re not building home equity.

Insurance 52

Insurance Financial Advice Accounting Clients 52

Trade Brains

FEBRUARY 15, 2024

10 Best Bond Brokers in India Investors always seek to earn more and are risk-averse while investing. In this article, let us know about some of the best brokers in India. They provide a fixed income but are subject to risks such as interest rates, credit, and inflation. Some brokers provide a platform for investing in bonds.

Government 59

Government Retail Startup Investing 59