Podcasts about Bankrate

I just got back from emceeing Rock the Locks over the weekend — honestly a total rocket ship (and yes, I proposed to Alisa backstage and she said yes) — and we kick this midweek Punch List off with that high-energy recap before diving into the real stuff. We dig into fresh housing data: mortgage rates have crept back above 7% (Freddie Mac ~7.03%, Bankrate ~7.33%), existing-home sales hit a 2026 low, and Redfin says there were about 57.9% more sellers than buyers in August — the most lopsided market on record. That imbalance means tons of price cuts (Denver hit 31.4% of listings with cuts; Portland about 30.5%), builders are even buying down interest rates by a couple points in some markets to compete, and remodeling activity is stalling as homeowners hold off on big projects. We also run a hard-hitting recalls roundup — from online mattresses failing flammability rules to smart glasses that can overheat, reclining-chair battery packs sold on Amazon, heated blankets, infrared saunas that can short and overheat, pool heaters risking carbon monoxide, and more — so if you've got any of that gear, please go check it. Bottom line: great music and good vibes at the festival, but the housing market's getting messy and your stuff might be a recall away from drama — we walk you through what to watch and what to do next, plus I sneak in a teaser for our weekend show and the new YouTube reviews (generator and one-person grill tested at the fest).Takeaways:I emceed Rock the Locks last weekend, proposed to Alisa backstage, and honestly couldn't stop smiling — it was an epic, music-fueled highlight that reminded me why live events matter.We're seeing mortgage rates around seven percent (and sometimes higher), which is squeezing buyers, cooling sales, and making now a real window for renters with savings to pounce.I dug into Redfin's August data — about 57.9% more sellers than buyers nationally — and that lopsided inventory gives buyers real leverage in many markets.We're watching builders buy down interest by as much as two points, so new construction with lower rates and big warranties is outcompeting comparable existing homes right now.We ran the recall scoreboard on the show — everything from tens of thousands of flammable online mattresses to overheating smart glasses and saunas — so please check cpsc.gov and double-check what you bought.I'm seeing remodeling stall and contractors reporting record cancellations, meaning homeowners are favoring repairs over big projects and planning more cautiously this cycle.Links referenced in this episode:cpsc.govThanks for listening to Around the house if you want to hear more please subscribe so you get notified of the latest episode as it posts at https://around-the-house-with-e.captivate.fm/listenIf you want to join the Around the House Insider for access to the back catalog, Exclusive Content and a direct email to Eric G and access to the show early https://around-the-house-with-e.captivate.fm/support We love comments and we would love reviews on how this information has helped you on your house! Thanks for listening! For more information about the show head to https://aroundthehouseonline.com/Information given on the Around the House Show should not be considered construction or design advice for your specific project, nor is it intended to replace consulting at your home or jobsite by a building professional. The views and opinions expressed by those interviewed on the podcast are those of the guests and do not necessarily reflect the views and opinions of the Around the House Show.

This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comThe yields on 10-year US treasuries are rising. They've hit their highest level in nearly 20 years.What does that even mean? And more importantly what are the implications? A lot of people are getting their knickers in a twist.And why has gold's promising little rally hit a wall?And what about UK gilts, they've rocketed slap bang in the middle of the Labour Party conference, when they're all promising more spending.Make it make sense.If you live in a third world country such as the UK, I urge you to own gold or silver. The pound will be further devalued, as will the euro and dollar. The bullion dealer I use and recommend is The Pure Gold Company. They deliver to the UK, the US, Canada and Europe. More here.US Treasury yields are not just a US problem. They put upward pressure on the entire developed-world bond market, and the UK is particularly exposed because its own fiscal position is already so precarious.Today, the yield on a US 10-year Treasury is around 5.25%, the UK 10-year gilt hit 5.44% on Monday, its highest level since 2007. At Tuesday's auction, the government paid an average yield of 5.38% to borrow for ten years, the highest yield at a UK 10-year gilt auction since 1999.Even a small increase in the cost of borrowing puts governments in trouble. Where are they going to find the money to pay the interest?They've either got to raise taxes, cut spending, let the deficit grow, pray for growth or all four – and in the case of the UK in time for the Healey budget on October 28.As US rates rise sterling comes under pressure against the dollar – it will no longer be propped up by the relatively high rates we have been offering - hence sterling's recent declines. So we get higher inflation, especially energy, because of increased import costs.Investors around the world need a reason to hold a UK 10-year gilt. Previously the higher rates we were offering were a reason. If a US 10-year Treasury offers, say, 5.25%, why hold gilts and carry the sterling risk without a much higher rate to compensate? The US Treasury market effectively sets a large part of the global opportunity cost of capital.Higher US rates thus put upward pressure on UK interest rates. So debt gets even more expensive. Our fiscal position deteriorates. Higher rates hurt remortgaging, housing affordability, commercial property, corporate borrowing, infrastructure financing, private equity and so on.Another point to note: the UK 10-year gilt is now yielding 5.4%, despite the Bank Rate being only 3.75%. That gap is telling you that the bond market is pricing a considerably higher long-term cost of capital than the overnight policy rate alone would suggest.The really worrying configuration for Britain would be US real yields rising, US inflation expectations rising, sterling falling and UK gilt yields rising faster than Treasuries.How will all this impact Gold and bitcoin?

This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comThe yields on 10-year US treasuries are rising. They've hit their highest level in nearly 20 years.What does that even mean? And more importantly what are the implications? A lot of people are getting their knickers in a twist.And why has gold's promising little rally hit a wall?And what about UK gilts, they've rocketed slap bang in the middle of the Labour Party conference, when they're all promising more spending.Make it make sense.If you live in a third world country such as the UK, I urge you to own gold or silver. The pound will be further devalued, as will the euro and dollar. The bullion dealer I use and recommend is The Pure Gold Company. They deliver to the UK, the US, Canada and Europe. More here.US Treasury yields are not just a US problem. They put upward pressure on the entire developed-world bond market, and the UK is particularly exposed because its own fiscal position is already so precarious.Today, the yield on a US 10-year Treasury is around 5.25%, the UK 10-year gilt hit 5.44% on Monday, its highest level since 2007. At Tuesday's auction, the government paid an average yield of 5.38% to borrow for ten years, the highest yield at a UK 10-year gilt auction since 1999.Even a small increase in the cost of borrowing puts governments in trouble. Where are they going to find the money to pay the interest?They've either got to raise taxes, cut spending, let the deficit grow, pray for growth or all four – and in the case of the UK in time for the Healey budget on October 28.As US rates rise sterling comes under pressure against the dollar – it will no longer be propped up by the relatively high rates we have been offering - hence sterling's recent declines. So we get higher inflation, especially energy, because of increased import costs.Investors around the world need a reason to hold a UK 10-year gilt. Previously the higher rates we were offering were a reason. If a US 10-year Treasury offers, say, 5.25%, why hold gilts and carry the sterling risk without a much higher rate to compensate? The US Treasury market effectively sets a large part of the global opportunity cost of capital.Higher US rates thus put upward pressure on UK interest rates. So debt gets even more expensive. Our fiscal position deteriorates. Higher rates hurt remortgaging, housing affordability, commercial property, corporate borrowing, infrastructure financing, private equity and so on.Another point to note: the UK 10-year gilt is now yielding 5.4%, despite the Bank Rate being only 3.75%. That gap is telling you that the bond market is pricing a considerably higher long-term cost of capital than the overnight policy rate alone would suggest.The really worrying configuration for Britain would be US real yields rising, US inflation expectations rising, sterling falling and UK gilt yields rising faster than Treasuries.How will all this impact Gold and bitcoin?

In this episode, the TFG crew takes a closer look at Temporary Protected Status (TPS) and what it means for Haitians living in America. We explore the uncertainty facing Haitian families, the broader immigration landscape, and how changes to TPS could affect individuals, communities, and future generations. From immigration policy to identity, opportunity, and belonging, we examine where Haitians stand in America today—and what the future may hold.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In The New York Times, Bankrate, and other publications, the hosts share stories others don't.Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win.Find the TFG Crew Hosts on Instagram:Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

The Federal Reserve and Bank of England have both been in focus this week, with the Fed delivering a rate hike and the BoE keeping rates unchanged. In this episode, Imogen Bachra and Stuart Sparks examine what the decisions tell us about the outlook for inflation, interest rates and government bond yields – and why the BoE's latest quantitative tightening (QT) announcement could have longer-term implications for the gilt market.Key takeaways:* The Fed delivered a hawkish-leaning rate hike, with the Chair offering little forward guidance and emphasising that future decisions will depend on the evolution of inflation and economic conditions.* Markets are pricing a significant further tightening cycle, with close to 100bp of additional Fed rate hikes priced by the end of 2027. But the Fed's projections imply a surprisingly benign path for inflation, with a return to target minus a meaningful rise in unemployment. * The Bank of England held Bank Rate at 3.75%, with the Monetary Policy Committee voting 6–3 in favour of no change. A November BoE rate hike remains the base case, although conviction has fallen.* QT was the bigger market-moving announcement. The Bank plans to continue active gilt sales at £20bn a year, but will change how those sales are conducted and which maturities are involved.* This could reduce some near-term pressure on long-dated gilt yields, however QT continues to create fiscal costs.Host: Imogen Bachra, Head of Economics and Markets StrategyGuest: Stuart Sparks, Head of US Rate Strategy This episode was recorded on 17 September 2026. You can also find this episode of Bondcast on Spotify and Apple Podcasts.  Remember to hit subscribe so you can listen to the latest episodes in this series as soon as they're available and get our views on the big themes and events moving markets and shaping the economy. For any terms used please refer to this glossary: https://www.natwest.com/corporates/insights/markets/glossary.html Please view our full disclaimer here: https://www.natwest.com/corporates/disclaimer.html

Does It Make Sense to Own a Vacation Home? Episode 400 – Buying a vacation property might bring you a lifetime of joyful memories. But you also need to consider the financial realities you're likely to face. You might love the place, but you might also regret it. Think carefully before you make your move. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 400 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: is it a good idea to own a vacation home? So, you've been going to the same vacation spot for years, and you really love the place. You've dreamed about having your own home there. Does it make sense? Is it worth it financially? It's a complicated decision. You may end up creating a lifetime of unforgettable memories for you, your children and grandchildren. But the financial stress might also be worse than you anticipated. Is it worth the risk? Here are some of the factors that you may need to consider: Funding the downpayment. Coming up with a substantial downpayment is rarely easy. You don't want to fund it by using up most of your liquid assets. You still have to maintain an emergency fund. And don't forget about taxes. If you have to sell one of your investments to generate the cash you need for the downpayment, you may have to also factor in the capital gains taxes you'll owe as a result. Interest rates: When you finance your primary residence, the interest rate is often lower because of guarantees by the FHA, VA or USDA.[1] Less so with a secondary home. The average second home mortgage rate is about 0.5 to 0.75 percent higher than a typical primary residence. In addition, in many cases, the required downpayment may be higher, and it may be more difficult to qualify.[2] HOA fees: You may or may not be part of a homeowners' association where you live, but you are more likely to be part of an HOA when you own a vacation property. This is because vacation homes tend to be concentrated in planned communities, resort developments, and condo complexes.[3] HOA fees have been rising steadily for decades. According to The Wall Street Journal, the median monthly condo fee was $420 in 2025, which is 29 percent higher than it was back in 2019.[4] And you may be responsible for a big assessment if the association decides that they need a new roof, or a new elevator, or a new parking lot. These are very difficult to predict. Insurance. Insurance premiums in coastal areas have gone up significantly in the last few years.[5] Also, depending on where you're buying, you might also need to buy a separate flood insurance policy. Limits to your vacation destinations. If you're someone who enjoys seeing different parts of the world, a vacation home may not be right for you. You might feel obligated to revisit your own paradise, even though you'd rather take a trip to Paris. So, assuming you've gone through all this, and you still want to proceed, perhaps another thought has occurred to you. What if I bought the place, used it when I wanted to, and rented it out when I'm not there? You would still get to choose when you go away; you would just try to generate some rental income during the rest of the year. That could go a long way financially. In fact, it could be what makes it all feasible. But there are more things to consider in that situation. Here are a few of those: Vacation home vs. rental property. These are two separate things. A vacation home is still considered owner-occupied and thus subject to less stringent requirements when it comes to the mortgage, including required downpayments and reserves.[6] So by choosing the rental property route, your financing costs may be higher. Maintenance can be more than you expected. The more tenants you have, the more rental income you'll probably get. But chances are the maintenance and related expenses are going to go up as well, simply because of all the wear and tear. The utilities will probably be higher as well. HOA covenants. Many homeowners' associations will limit the minimum lease duration. You might be prohibited from leasing your new place for less than, let's say, 90 days. This could make it difficult if you want to schedule your own vacation every summer. Rental variability. Rental income is hard to predict. If you're counting on using that money to help you afford it, just recognize that it can fluctuate considerably. Things like the economy, supply and demand, and local regulations can all play a role.  Additional taxes. Some jurisdictions have what are called “short-term rental” fees or taxes, which could run into the thousands. These fees can have less of an impact on local residents, the majority of whom likely do not own rental properties, than on people who don't live there year-round. Opportunity cost. Let's say your proposed vacation home rents for $3,000 per week during peak season. If you normally go away for two weeks during the summer, you may be inclined to think that you're going to save $6,000 per year on rental fees. Not so fast. You must also consider the opportunity cost. That is, the possibility that the place would have been rented to someone else during the time you're using it. You might come to realize that because you gave up that additional income, you're not saving as much as you had expected. Maybe you can minimize the opportunity cost by visiting during the off season, or by waiting until the last minute when you have an unexpected vacancy. Section 1031 Exchange. If the circumstances are right, you may be able to defer any gain on an investment property you already own. Let's say you already have a smaller place somewhere else. You might be able to fund the downpayment on the new place by selling the old one and using the net proceeds for your payment. A properly structured 1031 Exchange may allow you to do this while deferring any capital gains taxes that might have been due. But it's complicated. You're going to need professional help. When it comes to buying a vacation property, emotions can often play a significant role. You love the area, you love the house, and you already have some wonderful memories there. But you need to take a thorough look at all the financial realities before you jump in. Like a lot of other major purchases, it could be one of the best decisions you've ever made. But you might also end up regretting it. [1] Ostrowski, Jeff and Martin, Erik. “How are mortgage rates determined?” Bankrate.com. https://www.bankrate.com/mortgages/how-interest-rates-are-set/#loan-type-impact (accessed August 12, 2026). [2] Greenberg, Gregg. “Second-home buyers are making these costly financial mistakes, advisors warn.” Investmentnews.com. https://www.investmentnews.com/practice-management/second-home-mortgage/267282 (accessed August 12, 2026). [3] Block, Eliana. “NAR Pushes Forward for Solution in HOA Master Insurance Delays.”Nar.realtor.com. https://www.nar.realtor/news/real-estate-news/nar-pushes-forward-for-solution-in-hoa-master-insurance-delays (accessed August 12, 2026). [4] Friedman, Nicole. “Surging HOA Fees Are Pushing Homeowners to the Brink.” WSJ.com. https://www.wsj.com/economy/housing/housing-affordability-hoa-fees-d02902af (accessed August 12, 2026). [5] Greenberg, Gregg. “Second-home buyers are making these costly financial mistakes, advisors warn.” Investmentnews.com. https://www.investmentnews.com/practice-management/second-home-mortgage/267282 (accessed August 12, 2026). [6] Greenberg, Gregg. “Second-home buyers are making these costly financial mistakes, advisors warn.” Investmentnews.com. https://www.investmentnews.com/practice-management/second-home-mortgage/267282 (accessed August 12, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

++ Emergency Podcast Klaxon ++ It's happening! Bonds are selling off again! What's going on? Can politicians afford to go to party conferences when fiscal plans may be in tatters as soon as they're announced? Do you know your swap rate from your Bank Rate? What even is "The Bond Market"?We have recorded a two-part podcast special on Bonds with market expert, and friend of the show, Ben Ashby, CIO of Henderson Rowe to discuss all this and more. In Part One we cover:A bond is simply a tradable IOU - and why bond prices and yields move in opposite directions.There is no single “interest rate” - Bank Rate, two-year rates, mortgage rates and thirty-year gilt yields can all move differently for different reasons.“The bond market” is not one entity - it is a collection of pension funds, insurers, banks, hedge funds, central banks and others, all acting for different reasons.Bond markets are part of the economy's plumbing - they underpin government borrowing, mortgages, corporate finance, collateral and the wider financial system.The market prices both cost and credibility - not just how much it will cost to borrow, but how long investors are willing to lend.

We are back- well, Lawrence and Alainta. In this episode, we explore how our conversations often reveal more than we realize—our financial priorities, our experiences, and sometimes even what's missing. From relationships and success to confidence, purpose, and personal growth, we unpack the truth behind what we say, what we avoid, and what we claim to have.Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In The New York Times, Bankrate, and other publications, the hosts share stories others don't.Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win.Find the TFG Crew Hosts on Instagram:Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden discuss the pros and cons of buying versus leasing a car.  You make think the answer is clear, but just like with everything in financial planning, it depends! Considerations discussed in this episode include: Total out of pocket expenses and monthly costs of owning and leasing. Changing technology in different sectors of the car market. Personal considerations including how long you may own a car, how much you may drive, and whether your needs may change over time. Owning a depreciating asset. It may seem that buying is automatically the best option.  You will likely pay less long-term if you purchase a car and keep it for a long time, ending up with an asset (even if it has depreciated in value) and no monthly payment.  But that may not fit your situation!  Listen to the full episode to hear more. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.   Citations: Auto Lease Calculator (citing Edmunds/Experian Q1 2026 data).  Auto Lease Calculator 2026.  https://caraffordcalc.com/tools/auto-lease-calculator/   “The Average Car Payment Just Hit a Record $777 a Month.  That's Not Even the Whole Bill.”  Flexcar (citing Edmunds Q2 2026 data).  July 20, 2026.  https://www.flexcar.com/blog/the-average-car-payment-just-hit-a-record   Brozic, Jennifer.  “Average Car Payment in 2026.”  Experian. July 14, 2026.  https://www.experian.com/blogs/ask-experian/average-car-payment/   Fitzpatrick, Mark.  “Do I Need Gap Insurance on a Used Car in 2026?”  MoneyGeek.  September 1, 2026.  https://www.moneygeek.com/insurance/auto/do-i-need-gap-insurance-on-a-used-car/   Fitzpatrick, Mark.  “What Is Gap Insurance?”  MoneyGeek.  February 25, 2026.  https://www.moneygeek.com/insurance/auto/what-is-gap-insurance/   Gunara, Maggie.  “Average Car Payment and Auto Loan Statistics: 2026.”  LendingTree.  June 23, 2026.  https://www.lendingtree.com/auto/debt-statistics/   Henry, Jim and Ryan Maxin.  “Average Auto Loan Rates in September 2026.”  U.S. News.  September 8, 2026. https://cars.usnews.com/cars-trucks/advice/average-auto-loan-interest-rates   Howard, Brittany.  “Average auto loan interest rates by credit score in 2026.”  Yahoo Finance (citing Experian Q1 2026 data). July 31, 2026.  https://finance.yahoo.com/news/average-car-loan-interest-rates-212521067.html   Howard, Brittany.  “Auto Loan Rates & Financing in 2026.”  Bankrate.  https://www.bankrate.com/loans/auto-loans/rates/   Lacagnina, Christine.  “What Is Gap Insurance? 2026 Cost & How It Works.”  InsuredBetter.  June 10, 2026. https://www.insuredbetter.com/car-insurance/auto-coverage-types/gap/   Luthi, Beth.  “Average Car Loan Interest Rates by Credit Score.”  Experian.   July 13, 2026.  https://www.experian.com/blogs/ask-experian/average-car-loan-interest-rates-by-credit-score/   Luthi, Beth.  “The Latest Used Car Loan Interest Rates for 2026.”  Experian. July 14, 2026.  https://www.experian.com/blogs/ask-experian/used-car-loan-rates/   Luthi, Beth.  “Auto Loan Rates and Financing for 2026.”  Experian.  July 13, 2026.  https://www.experian.com/blogs/ask-experian/auto-loan-rates-financing/   S&P Global Mobility (press release).  “U.S. Vehicle Age Rises Again to 12.8 Years in 2025.”  S&P Global.  May 21, 2025.  https://press.spglobal.com/2025-05-21-U-S-Vehicle-Age-Rises-Again-to-12-8-Years-in-2025,-According-to-S-P-Global-Mobility   Tretina, Kat.  “Average cost of gap insurance in 2026.”  Insure.com.  June 5, 2026.  https://www.insure.com/car-insurance/gap-insurance-cost/

The overwhelming online advice for first-time homebuyers is often backwards, designed to generate sales leads, not empower you. Here's what the industry doesn't want you to know. SynopsisWe critically deconstructed the top 10 most common first-time homebuyer tips from NerdWallet, Bankrate, Rocket Mortgage, Ramsey Solutions, Better.com, HGTV, the National Association of REALTORS®, and the Federal Housing Finance Agency. Spoiler: most of it is designed to turn you into a sales "lead," not an informed buyer. From shopping lenders first to needing 20% down, learn why the conventional wisdom fails you and discover the strategic, team-first approach that has helped thousands of first-time buyers build real, lasting wealth. Quote"Don't buy your first home thinking about resale and your exit. Plan this purchase thinking about your early retirement. Plan your EMPIRE."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy is "shopping for lenders" the #1 online tip when almost every source publishing it sells mortgages?What happens when you click that "pre-approval" button? You become a lead, not a client.Do you really need 20% down? Two decades of data say no, and it's not even close.How does a single physical home tour demolish months of Zillow scrolling for your "needs vs. wants" list?What is "empire building," and why is it a smarter play than buying with resale in mind?Why is a seller credit for repairs almost always better than a price reduction?87% of Realtors quit within five years. How do you avoid being someone's on-the-job training?HowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to to get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

1/2 of the crew is back again. Lawrence and Alainta discuss how long-term unemployment is more than just being without a job. It can affect confidence, mental well-being, relationships, finances, and how people see their own future. In this episode, we explore the often-overlooked challenges of being unemployed for an extended period, the stigma that comes with it, and the resilience it takes to keep moving forward. Wait, what's a Financial Griot?The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't.Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less?Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win.Find the TFG Crew Hosts on Instagram:Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcinLawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

With the latest energy shock pushing UK inflation higher while economic growth remains subdued, investors are questioning whether markets have priced too much Bank of England tightening. Jack Meaning, UK chief economist at Barclays, joins Bloomberg Intelligence chief US interest rate strategist Ira Jersey to discuss that and more on this Macro Matters edition of the FICC Focus podcast. Meaning explains why Barclays expects inflation to climb above 3% in the second half of 2026 but sees little evidence of the wage or second-round effects that would make the increase durable. The two discuss why keeping Bank Rate at 3.75% already represents a meaningful tightening relative to earlier market expectations and how restrictive financing conditions and labor-market slack are weighing on growth. They also explore whether improving investment intentions — including spending tied to artificial intelligence — can provide support. The conversation examines Brexit's lingering impact, the UK's difficult fiscal choices and why Barclays expects the Bank of England to remain on hold this year before inflation moves back toward target in 2027. The episode concludes with a look at the central bank's upcoming quantitative-tightening decision and the debate over continuing active gilt sales.

The crew is back- well, 2/3. Lovely and Alainta have an honest, relatable conversation about the connection among wellness, health, and personal finances. From routine checkups and preventive care to the costs of ignoring symptoms, they explore what can happen financially when we don't take our health seriously. Together, they discuss the hidden costs of poor health, unexpected medical expenses, missed work, and the long-term impact health decisions can have on financial security. It's a candid reminder that investing in your health today can be one of the smartest investments you make for your future—and your wallet. Wait, what's a Financial Griot? The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth. Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money. So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win. Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcin Lawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguy Lovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Linda Bell of Bankrate pinpoints these hidden costs including a "Seniority Tax" and has tips on what you should look for to help you save money

“I came across a statistic that really caught my attention. In a Bankrate survey, 56% of American workers said they felt behind on their retirement savings.Think about that.More than half.And I guarantee there are people listening to me right now thinking, ‘Jon, I'm one of them.'Maybe you're 55.Maybe you're 60.Maybe you're 65 and retirement isn't some distant concept anymore.And you're looking at your 401(k), your IRA, your Social Security statement and thinking:I haven't saved enough. Now what?That's exactly what we're going to talk about today.”Then I'd immediately reassure them without sugarcoating it:DON'T START WITH PANIC. START WITH MATH.Because here's the first thing we need to determine:Are you actually behind?Or do you just feel behind?

This week on HECM World Weekly, we look at how America's housing wealth is holding firm—but the way homeowners are using it is changing. July's HECM endorsement volume remained relatively subdued, while Finance of America reported strong year-over-year growth across its retirement solutions business. We also examine Rocket Mortgage's new campaign positioning home equity as a potential alternative to high-interest credit-card debt. Plus, new Bankrate research raises questions about whether older refinancing borrowers are paying more than they should, home prices continue to rise across most metropolitan markets, and families inheriting homes report growing difficulties retaining valuable low-rate mortgages. Finally, new retirement research reveals that many Americans are more worried about running out of healthy years than running out of money—and what that could mean for the role of housing wealth in retirement planning. In this episode: July's latest HECM lender results Finance of America's 21% funded-volume growth Rocket's push to bring home equity into the mainstream Bankrate's proposed refinance “seniority tax” The growing divide between local housing markets Mortgage complications within the Great Wealth Transfer Why retirees are rethinking the value of time, health and money For more reverse mortgage news, analysis, research and industry insights, visit HECMWorld.com and subscribe on YouTube, Spotify and Apple Podcasts.

PODCAST LAS NOTICIAS CON CALLE DE 28 DE JULIO - 1200 millones menos entre fondos federales y presupuesto de PR para el próximo año fiscal - El Vocero Trump dice estar impresionado con Zelesnky y su capacidad militar - WSJHoy se reúne Trump con Netanyahu en la visita del primer ministro - NYTLa Fed decide mañana: ¿y si SUBE las tasas?Un momento para WindMar Home — la empresa con más de 20 años protegiendo los hogares puertorriqueños.Solar para bajar tu factura. Techo para proteger tu inversión. Agua para que nunca te quedes sin — especialmente con las sequías que se aproximan. Y batería para total independencia energética.Todo bajo una misma empresa. Un solo llamado. Llama al 787-489-1155 o visita windmarhome.comWindMar Home — los que se preparan hoy , duermen tranquilos mañana.#incluyeauspicio#windmarhome  Trump va a la Corte Suprema para impedir el voto por correo - CNNRacionamiento inminente en Carraízo y sus clientes - El Vocero Investigan casos de hospital por agua asquerosa - Primera Hora CRIM busca dueños de 55 mil propiedades que no aparecen - El Nuevo Dia Fonalledas apoyan a Jenniffer y dice que le dan la bienvenida a las primarias - El Vocero Alegan que Cosculluela llamó a joven para amenazarla por estar con otros tipos y la amenazó con matar a su familia - El Vocero Viva la ley de plásticos de un solo uso y todavía investigan si la van a implementar o no - El Vocero No sabemos qué hacer con el sargazo en PR - Primera Hora Alcaldes defienden cobro de impuestos a fondos federales - El Nuevo Día Menos protección para animales en peligro de extinción - El Nuevo Día No cuadran los números del fondo de desempleo, aparenta haber montones de fraudes - El Nuevo Día Entidades falsas creando estudiantes fatuos para cobrar becas Pell - El Nuevo Día Juramenta nueva presidenta hoy en Perú. Keiko Fujimori y la derecha conquista Latinoamérica - El Nuevo Día Trump quiere que MAHA le meta mano a eliminar las vacunas para niños - WSJEl SAVE Act no tiene los 60 votos, Trump exige aprobarlo sí o sí - Punchbowl News PR importó $3,254 millones en genéricos en 2025, por lo que los aranceles le darán oportunidad y tumbe a la vez -  LOS DATOS DEL DÍA (cierre lunes 27 jul) Brent≈ $83/barril · cae fuerte por pausa Irán-EEUU Diésel (retail EEUU)a la baja siguiendo al crudo (dato aprox.) S&P 5007,413.18 · +0.02% Dow Jones52,210.08 · +0.51% Nasdaq24,932.08 · -0.18% Bono 10 años≈ 4.65% Euro/USD1.1397 Gas natural$2.72/MMBtu · -1.75% Hipoteca 30 años6.58% (Freddie Mac) / ~6.75% (Bankrate)

Welcome back to the Alt Goes Mainstream podcast.We were live from Berlin, which becomes the “capital of private capital” in June as the private equity's industry leaders make the annual pilgrimage to the city for one of the marquee private equity conferences, SuperReturn Berlin.Much of the SuperReturn conference is centered on fundraising. GPs take up every available space — from hotel rooms to Tiny Space cabins that line the parking spots on Budapester Strasse outside of the InterContinental conference venue — to conduct meetings with LPs.With Prosek Partners and former Bloomberg TV journalist Deirdre Bolton as my producer, along with her team, we took over a Tiny Space cabin to hold big conversations with some of the industry's leading alternative asset managers.Our first conversation was with Apax Co-CEOs Andrew Sillitoe and Mitch Truwit.Apax is one of the pioneers in the private equity industry. The firm's rich history dates back to the 1970s, when its founders, Alan Patricof (US), Sir Ronald Cohen (UK), and Maurice Tchénio (France), came together to establish the first US-UK partnership firm in private equity. During that time period, the firm backed Steve Jobs and the first iteration of Apple. The UK and US firms merged in 1981, laying the foundation for Apax.Today, Apax stands at over $80B in aggregate funds raised. The firm underwent its second leadership transition in 2014, when Andrew and Mitch were elected as Co-CEOs, succeeding Martin Halusa, who became Chairman.Apax sits in a unique position. They are a scaled platform that focuses on the middle market. They operate across three sectors, Tech, Services, and Digital / Consumer, infusing a digital DNA and value creation team into everything they do. Their platform spans “a mile wide and a mile deep,” which is what much of the conversation between Andrew, Mitch, and me unpacked.We had a fascinating discussion about the current state of private equity and the middle market, why Apax focuses on “density-driven business models,” why the firm focuses on carveouts in the middle market, what's underappreciated about the middle market, why it's important to “buy in the right neighborhood and fix it up,” and how the firm's core values of “having impact through insight and tenacity” drive every decision they make.BiosAndrew Sillitoe has been Co-CEO of Apax since 2014. He is Chairman of the Apax Global Investment Committee and the Digital Investment Committee, amongst others. He is also a member of the Apax Executive Committee. He has been based in London since joining the Firm in 1998, focusing on Tech & Telco investments.Andrew has been involved in a number of investments including Inmarsat, Intelsat, King, Orange Switzerland, TIVIT, TDC and Unilabs.Prior to joining Apax, Andrew was a consultant at LEK. Andrew holds an MA in Politics, Philosophy and Economics from the University of Oxford and an MBA from INSEAD.BoardsAndrew has previously served on the boards of Inmarsat, King, Intelsat, Orange Switzerland and TDC.Mitch Truwit is Co-CEO of Apax, based in New York.Prior to joining Apax in 2006, Mitch was the President and CEO of Orbitz Worldwide between 2005 and 2006 and was the Executive Vice President and Chief Operating Officer of priceline.com between 2001 and 2005.Mitch is a graduate of Vassar College where he received a BA in Political Science. He also holds an MBA from the Harvard Business School.BoardsMitch serves as a Board member of Openlane and Trade Me. Prior boards include Advantage Sales & Marketing, Assured Partners, Dealer.com, Bankrate, Garda World, Hub International, Trader Canada, Boats Group and Quality Distribution Inc.Mitch serves on the charitable boards of the Apax Foundation, the John McEnroe Tennis Project, Posse and StreetSquash.Thanks, Andrew and Mitch, for a fascinating conversation and for sharing your expertise, wisdom, and passion at the intersection of investing and operating in private equity.Show Notes00:00 Meet Apax co-CEOs, Andrew Sillitoe and Mitch Truwit00:26 Andrew's Origins at Apax00:47 Private Equity Then vs Now01:25 Apax Growth and Values01:45 Curiosity as a Differentiator02:04 Mitch's Operator Background02:56 Why Mitch Joined Apax03:40 Defining the Middle Market04:14 Why Sub-Billion EV Works04:59 Middle Market Talent Gap05:20 Carve Outs as a Strategy05:29 TRADER Corporation - Canada App Turnaround06:12 Scaled Platform Advantage07:14 Digital DNA and AI Wave07:50 Top Line Growth Lever08:36 Add-ons and TAM Expansion09:33 ECI Case Study Roll Up10:07 Integration Over Collection10:28 Exit Options in a Bigger PE World10:59 Building for Multiple Buyers11:45 Fund Size Discipline12:34 Choosing Returns Over AUM13:16 Understanding Firm DNA14:01 Global Micro Investing14:49 Making Global Pods Work15:50 Scale Specialization Flexibility17:08 Where to Invest Now19:23 Buying Complexity for Value20:15 Moats and Investment Committee22:13 Why Middle Market Excites Them23:19 Future of PE and AI at Scale24:50 Impact Insight Tenacity Culture25:54 Obligation to Dissent Story26:55 Aspirational Brand Analogy27:48 Wrap Up and Thanks

2/3 of the crew is back. Lawrence and Alainta discuss the culture of spending. Is spending money always a bad thing? In this episode, we unpack the guilt, emotions, and habits that often come with opening your wallet. From intentional purchases to everyday splurges, we explore how to spend with confidence, align your money with your values, and make financial decisions that support the life you want. Because sometimes the smartest money move is giving yourself permission to spend it. Wait, what's a Financial Griot? The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth. Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money. So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win. Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcin Lawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguy Lovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

In this episode, the crew discusses Haiti and explores how the land nurtures hope and resilience. Through the history of local farmers, community leaders, and sustainable agriculture initiatives, we discover how healthy soil, determination, and innovation are helping communities strengthen Haiti—one harvest at a time. Wait, what's a Financial Griot? The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth. Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money. So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win. Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcin Lawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguy Lovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

A heat advisory is in effect for temperatures that are expected to be in the 90s all week long, meaning outdoor activities can quickly turn dangerous... What you need to know to stay safe during these extreme conditions (at 13:37) --- As Congress and the President go back and forth on a significant housing affordability bill, a new Bankrate analysis finds many homebuyers are overpaying because they're skipping an essential step in the mortgage process... Amounting to what they call a 'Hidden Homeownership Tax' (at 23:57) --- What's Happening: Time to get out and enjoy the sunshine and warm weather July activities and programs from the Hancock Park District (at 40:12)

Wait, what's a Financial Griot? The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth. Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money. So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win. Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcin Lawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguy Lovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus  

2/3 of the crew is back, and we dive into the excitement, passion, and global buzz surrounding the world's biggest football (soccer) game now. FIFA continues to unite millions across the globe with the beautiful game's cultural impact.  Wait, what's a Financial Griot? The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth. Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money. So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win. Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcin Lawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguy Lovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus  

Stephen Kates, Financial Advisor at Bankrate, joins Lisa Dent to discuss the latest market numbers and what those numbers mean for homebuyers and builders, as well as the state of the housing market.

Home sales were higher than expected in May, with some good news about first-time home buyers. We break down the report with Ted Rossman, a senior industry analyst at Bankrate.

* Home sales were higher than expected in May, with some good news about first-time home buyers. We'll break down the report with Ted Rossman, a senior industry analyst at Bankrate. * There's a fight over FISA in Washington. So what the heck IS the Foreign Intelligence Surveillance Act? Why is it important? We'll sort it all out

What Exactly Is a Reverse Mortgage? Episode 387 – We hear so much talk these days about reverse mortgages. Are they worth looking into? For some people the answer is yes, but only if certain conditions are met. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 387 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: so what exactly is a reverse mortgage? It's hard to miss all the talk these days about reverse mortgages as an income tool for retirees. Some experts like them, some experts don't. But what are they and how do they work? For many Americans, their biggest asset is the equity they have in their home. Some might not have saved much for retirement. But after years, perhaps decades, of living in the same home, they've built up their home equity through appreciation and amortization of their mortgage. When they look at their balance sheets, that becomes their biggest plus. What options do people have if they get to retirement age, have limited retirement savings, and realize that Social Security just isn't going to be enough? A reverse mortgage is one possible answer. A reverse mortgage is available for homeowners aged 62 and over. It is a way to fund retirement by borrowing against the equity you've built up in your home. The more home equity you have, the better. But it's certainly not for everyone. A reverse mortgage is not the same thing as a home equity line of credit, or HELOC. It's called a reverse mortgage because instead of you making monthly payments to the bank, the bank makes monthly payments to you. The income you get from a reverse mortgage is generally not taxable. You can use that income as needed to cover monthly expenses, including such things as home maintenance, property taxes, or, if needed, home health care expenses.[1] A reverse mortgage isn't free. The amount you owe against your house, which includes the principal and accruing interest, increases as you receive your monthly payments. So over time, your home equity decreases. You are essentially trading a little bit of your home equity every month for current income. Note that you typically don't have to repay the mortgage as long as you continue to use the home as your primary residence. But if you decide to sell your house or move out, the full balance will become due. If you die before you move out, in most cases your executor will sell the home and use the proceeds to pay back the accumulated reverse mortgage debt.[2] Reverse mortgages generally come in three different varieties. The first, and by far the most common, are loans overseen by the Federal Housing Authority. These are known as Home Equity Conversion Mortgages or HECMs. The homeowner has discretion over what to use the funds for, but before closing, they must meet with a counselor approved by the Department of Housing and Urban Development. This one requirement is designed to help curb fraud and abuse. HECMs account for approximately 95 percent of all reverse mortgages.[3] They are more regulated than other types of reverse mortgages and offer some extra protection. For one thing, neither you nor your heirs will ever owe more than the house is worth, even if it goes down in value. And if your lender goes out of business, the federal insurance program guarantees that you will still receive your monthly payments.[4] The maximum you can borrow under the federal program in 2026 is $1,249,125.[5] You will typically need to have at least 50 percent equity in your home (based on appraised value) to qualify. Reverse mortgages typically have adjustable interest rates. Note that the income from a reverse mortgage usually comes in the form of a monthly payment, but that's not a requirement. It can also be in a lump sum. The two other less common types of reverse mortgages are “single-purpose reverse mortgages,” which are backed by a nonprofit organization or a state or local government, and “proprietary reverse mortgages,” which are offered by private organizations without any government backing. Reverse mortgages have had a somewhat mixed reputation over the years. For one thing, the fees involved can be considerable. A reverse mortgage typically has origination fees, mortgage insurance premiums, closing costs and monthly servicing fees, all of which add up.[6] And there are still some scams out there. Some fraudsters will entice vulnerable seniors with misleading or fraudulent claims. One of those might be when a potential intermediary tries to get you into a reverse mortgage, then uses the money for some sort of “investment opportunity” that they control. They will then typically end up pocketing some of your home's equity themselves.[7] One way to avoid scams like this is to start with a trusted financial advisor or your current lender. Are there other potential solutions? Of course. The most obvious is, if possible, to save more at an earlier age and allow compound interest to work its magic. But for a lot of people, that's just not possible. For some people, a reverse mortgage is another option. There are caveats, but this may be a good choice in the right circumstances. A reverse mortgage is not the perfect solution, but for some, depending on their situation, it may be the most viable one. [1] Equifax Life Stages. “What is a Reverse Mortgage and How Does it Work?” Equifax.com. https://www.equifax.com/personal/education/credit/score/articles/-/learn/reverse-mortgage/ (accessed May 19, 2026). [2] Id. [3] Yale, Aly J. “What Is a Reverse Mortgage?” AARP.org. https://www.aarp.org/money/personal-finance/reverse-mortgage-guide/ (accessed May 19, 2026). [4] Id. [5] Johnson, Jamie. “HECM Loan Limits: What They Are and How They Work in 2026.” Themortgagereports.com. https://themortgagereports.com/124868/hecm-loan-limits (accessed May 20, 2026). [6] Miller, Peter G. “Reverse mortgage pros and cons.” Bankrate.com. https://www.bankrate.com/mortgages/reverse-mortgage-pros-and-cons/#cons (accessed May 20, 2026). [7] Goff, Kacie. “Reverse mortgage scams: What they are and how to avoid them.” Bankrate.com. https://www.bankrate.com/mortgages/reverse-mortgage-scams/#common-scams (accessed May 20, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

Segment 1: Mark Hamrick, Washington Bureau Chief and Senior Economic Analyst for Bankrate.com, and author of ‘The Hamrick Brief‘ on Substack, talks to John about the great jobs numbers released on Friday, the ongoing inflation concern, the likelihood that the Fed raises interest rates this year, and the date behind Mark’s Hamrick American Prosperity Index. Segment 2: Jim Dallke, […]

Is remote work making unemployment worse for the young and inexperienced job seekers? We'll break down a new report with Ted Rossman, a senior industry analyst at Bankrate.

* Is remote work making unemployment worse for the young and inexperienced job seekers? We'll break down a new report with Ted Rossman, a senior industry analyst at Bankrate. * Mayor Moreno recently launched a new task force to crack down on blighted properties around the city. We'll check in with Councilmember Eugene Green about a collapse that happened in his district and working to address the problem.

In this episode, we tackle one of the biggest questions surrounding higher education today: are some college degrees actually worth less than others? We dive into the reality of student debt, job market demand, salary expectations, and the growing debate over whether college is still the best path to success. From passion-driven majors to high-paying careers, we explore what truly makes a degree valuable in today's economy. Wait, what's a Financial Griot? The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't. Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth. Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money. So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win. Find the TFG Crew Hosts on Instagram: Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcin Lawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguy Lovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus  

Homeownership has been the foundation of the American Dream for generations, and a key part to building wealth and stability. With housing growing more expensive and the inventory decreasing, rising oil prices and inflation are making it even worse. There is wide ranging agreement that Americans are facing a housing affordability crisis, but when will it end? FOX's Tonya J. Powers speaks with Ted Rossman, principal analyst for Bankrate, who says there are many combined factors that have caused this, and offers his thoughts on how to help first time home buyers. Click Here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

Homeownership has been the foundation of the American Dream for generations, and a key part to building wealth and stability. With housing growing more expensive and the inventory decreasing, rising oil prices and inflation are making it even worse. There is wide ranging agreement that Americans are facing a housing affordability crisis, but when will it end? FOX's Tonya J. Powers speaks with Ted Rossman, principal analyst for Bankrate, who says there are many combined factors that have caused this, and offers his thoughts on how to help first time home buyers. Click Here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

Some bereaved listeners whose relatives had money put away with National Savings and Investments are facing weeks and months of delay in getting their own money. It comes as NS&I works to track down the accounts of tens of thousands of people who had died, after it admitted keeping nearly half a billion pounds in its coffers that should have been passed to their estates. The state-owned bank has apologised and says its working hard on its plan to ensure those affected are paid what is owed to them, along with returning the processing of current and new bereavement claims to their normal time-frame.The cost of borrowing has been held steady by the Bank of England. On Thursday its Monetary Policy Committee held the Bank Rate at 3.75%. How is that affecting mortgage deals?And, how can young people, who're out of work, find a job? Dan Whitworth reports on a scheme run by the charity Spear to address barriers to work. It comes as University College London publishes research which finds being out of work and education between ages 16 and 24 has long-term consequences for people's employment and finances in midlife. Presenter: Paul Lewis Reporters: Dan Whitworth and Jo Krasner Researcher: Catherine Lund Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast 12pm, Saturday 2nd May 2026)

TFG crew is back together again. In this episode, we unpack the uncomfortable truth behind beauty, confidence, and social status: how much of being considered “attractive” is actually tied to money. From skincare and fashion to fitness, cosmetic procedures, and lifestyle, we explore how wealth shapes perception in today's world — and why the “glow-up” economy is bigger than ever. Is it really about looks… or just access? Wait, what's a Financial Griot? The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't.  Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth. Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money. So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win. Find the TFG Crew Hosts on Instagram:  Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcin Lawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguy Lovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus  

Eric Stein, chief investment officer at Voya Investment Management, says that  investors can expect interest rates — particularly on longer-term bonds — will keep rising, but those higher reates "will lead to lower rates because you will see a response on the demand side whether it's through the consumer or through the [capital expenditures] cycle." Stein says that if "demand destruction" doesn't slow the economy too much, recession remains avoidable, particularly in the muted economic cycles that the U.S. has been going through in recent years. In The NAVigator segment,  Bryce Doty, senior portfolio manager at Sit Investment Associates, also says that rates will be coming down, with his estimation being that it happens by the fall because "the worst is over as far as yields going up." Doty says that if oil prices stay below $110 per barrel, it's viewed as inflationary; above that level, "We have a problem, and so does the rest of the world." He says central banks will solve that problem by cutting rates to "save economies from disaster," and likes two-year TIPS, municipal bonds and high-yield corporate bonds to ride out the storm. Plus, Mark Hamrick, senior economic analyst and Washington bureau chief at BankRate.com — who recently launched The Hamrick Brief on Substack to give his take on current financial events — discusses mortgage rates and inflation both reaching recent highs, the historical context of those numbers and how, why and when conditions may ease and change.

Markets strengthened this week following the U.S.-China trade truce, but rising fuel costs continue to pressure renter affordability, an important dynamic heading into the peak of leasing season.Energy and Inflation: AAA reports the national gas average at $4.56/gal as of May 21, up roughly 44% from a year ago. At those levels, fuel costs are becoming a meaningful pressure point for renter budgets during peak leasing season. The Fed has also signaled little urgency to cut rates given persistent inflation, keeping pressure on both consumers and operators with floating rate debt.Capital Markets: The S&P 500 closed at 7,433 on May 20, up sharply from the 6,944 level recorded in mid January. Investor sentiment has improved meaningfully since April as markets continue responding positively to easing trade tensions and broader economic stabilization.Mortgage Rates: The 30 year fixed mortgage rate sits near 6.58% according to Bankrate and the WSJ as of May 20. While below earlier 2026 highs, rates remain elevated relative to levels needed to meaningfully reopen the for sale housing market. Transaction activity remains subdued, continuing to support renter demand across many multifamily markets.The broader macro environment remains mixed for multifamily operators. Improving market sentiment and stable renter demand are supportive, but elevated consumer costs continue limiting affordability flexibility in more price sensitive segments of the market.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

Tax season's over. Kids getting out of school. Tariffs, war, graduations, business cycles, household pressure, all hitting at the same damn time. You're tired. You're stretched thin. And you can't figure out why more money isn't quieting the noise in your head.Dr. Preston Cherry is back in the booth, and we went where most people won't go. Financial wellness and mental wellness are not separate conversations. They're the same one. You can't out-earn the inner work. You can't out-hustle the self-audit you've been ducking. And the gap between knowing what to do and actually doing it? That gap is you.We get into the honest self-audit (admit, acknowledge, act), the 35,000 decisions you're making every single day, and why your capacity is the most valuable currency you own. Across every income bracket, 32% of Americans think their finances will worsen in 2026. Highest pessimism Bankrate has clocked since 2018. That's not whining. That's the moment we're living in.Dr. Cherry drops one of the most important reframes in the episode: wealth funds wellbeing. Life and money alignment gives you money assignments. Translation, until you do the work to know what you actually value, no amount of income is going to fix what's broken on the inside. It'll just magnify it. More money doesn't solve the problem, but it does fund the solution if you've already done the audit.If you're a first-gen wealth builder, a business owner running on no sleep, or just someone exhausted from carrying decisions nobody else sees, this one is for you. Drill deep, not wide. Stop splitting your capacity across 14 directions. Start with the person in the mirror.If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Are there positive findings in a new Bankrate housing market index report? Principal analyst with Bankrate, Ted Rossman joins the show to break down their findings. 

Today's episode, we explore how economic shifts, technology, and changing industries are reshaping the workforce. While job losses can bring uncertainty and hardship, they can also create pathways for innovation, entrepreneurship, and new career opportunities. Wait, what's a Financial Griot? The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't.  Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth. Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money. So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win. Find the TFG Crew Hosts on Instagram:  Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcin Lawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguy Lovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

Segment 1: Jon Hansen, filling in for John Williams, talks about the top business stories of the day including DraftKings closing it’s retail sportsbook at Wrigley Field. Segment 2: Ted Rossman, Bankrate.com Senior industry analyst, joins Jon to break down the Wells Fargo/NAHB Housing Market Index. Ted talks about how the report showed modest month-over-month improvement in current […]

Economic HeadlinesA temporary U.S.-China trade truce announced this week sent markets sharply higher, offering the first sustained relief investors have seen in months. The good news stopped there for most consumers, though, as the broader economic picture remains one of elevated costs and cautious hiring.Energy and Inflation: Brent crude has pulled back modestly from recent highs on ceasefire optimism, and the national gas average sits near $3.85/gal according to AAA, roughly flat from last week but still well above year-ago levels. The Fed's preferred inflation gauge remains above target, and while the trade pause reduces near-term tariff pressure, the pass-through of earlier cost increases into consumer goods is still working its way through household budgets.Capital Markets: The S&P 500 surged on trade deal news, recovering a meaningful portion of its year-to-date losses. The Dow followed suit. Whether the rally holds depends largely on whether the 90-day truce translates into a durable agreement, and most economists are not counting on it.Mortgage Rates: The 30-year fixed rate remains elevated near 6.8% according to Bankrate, keeping the for-sale market effectively frozen for millions of would-be buyers. That lock-in effect continues to support renter retention, though it does little to help operators push rents in markets where household income growth has stalled.The market rally is welcome, but it does not immediately change the math for renters or operators. Tariff uncertainty, sticky inflation, and a job market that is adding positions unevenly mean demand-side pressure on multifamily remains measured heading into the peak leasing season.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

TFG is back together, and in this episode, we explore Lovely's current travel experiences to Europe. And her take on the beauty of growth, meaningful connections, and new journeys. We discuss how stepping outside your comfort zone, embracing change, and traveling through life with the right people can shape who you become. Learning with Lovely's about self-discovery, connection, and evolving into your best self along the way. Wait, what's a Financial Griot? The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't.  Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth. Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money. So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win. Find the TFG Crew Hosts on Instagram:  Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcin Lawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguy Lovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

The ongoing conflict in the Middle East continues to drive the economic narrative, keeping energy costs painfully high for consumers and complicating the outlook for inflation and interest rates heading into peak leasing season.For renters, the impact at the pump has been significant. The national gas average has surged past $4.50/gal according to AAA, up more than a dollar over the past two months, and that kind of sustained increase acts as a quiet drain on the discretionary budgets renters depend on to absorb higher monthly housing costs. Until energy prices meaningfully retreat, operators should expect that pressure to weigh on rent growth even as occupancy holds relatively steady. NBC NewsEnergy: National gas average at $4.54/gal, up $1.00+ in roughly 60 days; oil prices remain volatile and elevatedCapital Markets: The S&P 500 and Nasdaq closed at new record highs this week, with the Dow gaining over 600 points, though markets remain sensitive to any shifts in the geopolitical backdrop and could reverse quickly TRADING ECONOMICSMortgage Rates: The 30-year fixed rate sits at 6.44% per Bankrate, high enough to keep would-be buyers renting longer, which supports occupancy but does not offset the broader affordability squeeze renters are feeling BankrateExplore our webpage for more insights and resources:https://bit.ly/Radix_Website

Ted Rossman of Bankrate.com says the typically strong spring homebuying season has been slower in 2026. He addresses elevated 30-year mortgage rates, but says they are still lower than a year ago. Ted notes a 6.00% mortgage rate is a notable psychological level for homebuyers, as a large number of homeowners locked in lower rates in the COVID-19 pandemic. He weighs in on a "cooling" in markets like Nashville, Austin and Miami, while seeing more buying demand in the "Rust-Belt" states like Ohio and Pennsylvania. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Shawn Severson, chief executive officer and the head of market and thematic research at Water Tower Research, says that oil futures prices looking out into 2027 and reacting as if "$70 is the new $60," a sign that the market does not think any oil shock will be long-lasting. Meanwhile, he says that the economy's continuing strength is showing that it can absorb and tolerate higher inflation and other current headline risks without falling into a recession. As a result, he sees downturns while the market digests the uncomfortable news as if there's a "pig in the python" as buying opportunities. Jenny Harrington, chief executive officer and portfolio manager at Gilman Hill Asset Management says in the Market Call that artificial intelligence having sucked up so much attention and investment dollars has actually created "more excellent opportunities in the past year than I have had in a long time." Despite that, Harrington says it's a tough overall market to pick stocks because current events are distorting and disrupting markets and "I don't think we've even begun to feel what the reverberations and aftershocks may be from the closing of the Strait of Hormuz."  Stephen Kates, financial analyst at Bankrate.com, discusses the latest national housing affordability numbers that were released on Tuesday, and how cooling home prices offer modest relief to prospective buyers. He notes that with 30-year mortgage rates seemingly stuck at or above 6% nationally for a while, the market is not likely to feel much better even if affordability numbers keep showing moderate improvement.

Is it time to refinance your mortgage? Mortgage rates remain unpredictable, but a new Bankrate analysis suggests current shifts may offer a valuable refinancing opportunity for millions of homeowners. Greg and Holly explore what’s driving the change and who could benefit from refinancing now with Lead Data Reporter at Bankrate, Alex Gailey.

Your emergency fund is so important it takes up TWO steps of The Financial Order of Operations. Far too many Americans, though, are not prioritizing their emergency funds. We've got fresh data from Bankrate that breaks down everything you need to know about the status of American emergency funds...and we aren't thrilled with the results. Then we answer your financial questions on everything from 401k match to sinking funds to CoastFI to a new box truck. Don't miss a fun new segment focused on recent headlines and how we're reacting to them. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

TFG is all back again, and more spicier (mainly Lawrence). In this episode, we unpack how our family's financial history quietly shapes who we become. From inherited money mindsets to unspoken beliefs about scarcity, success, and security, we explore how the economic stories we grow up in influence our decisions, relationships, and sense of self.  Wait, what's a Financial Griot? The Financial Griot is a play on two words (Finance + Griot) that together signify closing the wealth gap while embracing our differences. Alainta Alcin, Lovely Merdelus, and Lawrence Delva-Gonzalez share their perspectives on current events that impact your personal finances and wealth mindset. In the New York Times, Bankrate, and other publications, the hosts share the stories that others don't.  Stories about growth, opportunity, and even Wars. Beyond that, we tie it back to how it reflects on your finances. Specifically, we teach you how to become financially literate, incorporate actionable steps, and ultimately build generational wealth. Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. Eighty percent of millionaires are first-generation, meaning they didn't inherit wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money. So there you have it, The Financial Griot, or TFG for short. The hosts amassed over $3 million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them, since the opportunities are abundant and it's a Win-Win. Find the TFG Crew Hosts on Instagram:  Alainta Alcin - Blogger, Travel and Money Enthusiast https://www.linkedin.com/in/alaintaalcin Lawrence Delva-Gonzalez, Financial Foodie and Travel Blogger @theneighborhoodfinanceguy Lovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus