Podcasts about The Borrowers

The SAVE plan is officially dead. Learn what the SAVE lawsuit settlement actually says (not the rumors), who really needs to pay attention right now, and what you should do next. We walk through why millions of people are still stuck in SAVE forbearance, what repayment plans are actually available going forward, and how upcoming rulemaking could reshape income-driven repayment yet again. If you're waiting things out, this is your nudge to get proactive before the Department of Education decides for you. Key moments: (01:07) The lawsuit that officially ended the SAVE plan (05:01) Why borrowers should get off the SAVE plan asap (09:03) Borrowers are also losing access to PAYE (13:22) Why I don't think the RAP plan will be around for the next 30 years (18:25) Act early to avoid being defaulted into the wrong plan   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Big changes are in store for the federal student loan program. President Trump’s tax and spending bill, which was signed into law last summer, ends a supplemental loan for graduate students and caps  the amount they can borrow from the government. It also allows students in professional programs, such as law and medicine, to borrow more than students in other graduate programs, such as nursing or social work.   The bill reduces students’ loan repayment options from seven to two. It also phases out the Biden-era SAVE plan, which was the most flexible income-driven repayment option.         Jennifer Bell is the director of financial aid at Portland State University. Susan Bakewell-Sachs is the vice president of nursing affairs and dean of the School of Nursing at Oregon Health & Science University. They join us to discuss what the changes could mean for students who rely on loans, particularly to get advanced degrees.  

Niamh is in the throws of rehearsals for Dancing With The Stars and Gearoid is going to Spain to do a show! In the mailbag we have a letter from someone who is sick of her friend borrowing things and then never returning them and another letter from someone who is "borrowing" his sister's colleagues husband!  We have merch! For God's sake please buy our totes. Check out the merch store to support the show by buying yourself a present. If you would like to support us we would love for you to become a member of HeadStuff+ and leave us a lovely rating/review on whatever platform you listen on. Gearóid's tour-dates are ⁠here⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Explore the real purpose of staging and why it matters in today's competitive market. Staging can include anything from decluttering, rearranging furniture, and refreshing décor… to fully furnishing a vacant space. The goal is universal: help buyers instantly connect with your home the moment they see the photos. With spring being one of the strongest selling seasons in Union County and the McKenzie River corridor, your timing and presentation matter. We'll talk about how staging, professional photography, and a smart spring strategy work together to create a powerful first impression—and ultimately help you achieve the best results for your sale. Our guest presents Virtual Staging. Enhancements that can be timely and affordable. Home & Landscape Enhancements, Construction & Remodels In Progress Guest River Molyneaux, Broker with Windermere Real Estate, Lane County. Photographer and Owner of Rift Media, Serving Lane County and Beyond… Licensed in the State of Oregon. (541) 650-1226  Email  Website  HELP US SPREAD THE WORD!!  If you loved this episode, kindly leave us a Review - FOLLOW this show and Share it on Social !  It would mean the world  

Credit Card Interest Rate Caps Would Harm Low-Income Borrowers: Colleague Veronique de Rugy criticizes proposals by Senators Sanders and Ocasio-Cortez to cap credit card interest rates at 10 percent, arguing price controls will force companies to reduce risk, ultimately denying credit to the low-income borrowers the bill aims to protect SP 1954.

Attorney Rae Kaplan of Kaplan Law Firm joins John Williams to talk about The Education Department announcing a proposed settlement with the state of Missouri that it said would terminate the SAVE plan. What does this mean for student loan borrowers? Rae breaks it all down.

Attorney Rae Kaplan of Kaplan Law Firm joins John Williams to talk about The Education Department announcing a proposed settlement with the state of Missouri that it said would terminate the SAVE plan. What does this mean for student loan borrowers? Rae breaks it all down.

Attorney Rae Kaplan of Kaplan Law Firm joins John Williams to talk about The Education Department announcing a proposed settlement with the state of Missouri that it said would terminate the SAVE plan. What does this mean for student loan borrowers? Rae breaks it all down.

The Trump administration has reached a joint settlement with seven states that will effectively shut down a key Biden-era student loan relief program. But what about the roughly 7 million people currently enrolled in it? Danielle Douglas-Gabriel, The Washington Post’s national higher education reporter, joins John Yang to break down the impact on borrowers in the months ahead. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

The Trump administration has reached a joint settlement with seven states that will effectively shut down a key Biden-era student loan relief program. But what about the roughly 7 million people currently enrolled in it? Danielle Douglas-Gabriel, The Washington Post’s national higher education reporter, joins John Yang to break down the impact on borrowers in the months ahead. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

This Day in Maine for Monday, December 8, 2025.

It's our 200th episode! We're celebrating in style with the charming and super-talented Thomasin McKenzie, an actor we've watched go from teen roles in films like LEAVE NO TRACE and JOJO RABBIT to grown-up roles, as in OLD, LAST NIGHT IN SOHO, and her new comedy, FACKHAM HALL. She shares the push-and-pull identification she feels (and aspires to) for Julie Delpy's Celine in the 1995 classic, BEFORE SUNRISE.Then, Jordan has one quick thing about...200 great episodes! (And some ways you can support our past guests while giving some amazing holiday gifts).THANK YOU for being a listener and helping us continue on to 300 and beyond! Please tell a friend about the show. Love you! Feeling Seen is hosted by Jordan Crucchiola and is a production Maximum Fun.Need more Feeling Seen? Keep up with the show on Instagram and Bluesky.

The Consumer Financial Protection Bureau has issued a new rule that reinforces national standards for credit reporting. It confirms that federal law takes precedence over conflicting state rules, a move the Consumer Data Industry Association says will improve consistency, lower costs, and protect access to credit. Dan Smith, President and CEO of CDIA, is here to explain what the rule means for lenders, borrowers, and the future of credit data.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hey, investors! Scott Carson here, and I've got a juicy deal that's hotter than a Texas summer! If your lazy assets (and maybe your self-directed IRA) are sitting idle, this is your chance to put them to work on a prime piece of Georgetown, Texas real estate. This isn't some long-haul, snail-paced investment – we're talking a six-month or less turnaround, with conservative numbers figuring in a year!This beauty is one of 48 reverse mortgages we snagged from a hedge fund. The borrower's already passed, HUD's got it cleaned out, and we're looking at a clean, well-maintained property needing just a little lipstick and a fresh coat of paint. Texas foreclosures are fast, and we've got the team ready to rock and roll. This is a potential 10% (or more!) return on your money, secured with a first lien.Here's the breakdown on this Georgetown Goldmine:The Deceased HUD Gem: A clean, 3-bed, 2-bath, 1,348 sq ft home in Georgetown's hot 78628 ZIP code. Borrower deceased, heirs not fighting, property in good shape (interior inspection available!), needs cosmetic updates only – no structural nightmares.The Numbers Make Sense: Current legal balance: $185K. Conservative Fair Market Value: $297K. We're picking up the note for just $170K. Add back taxes and foreclosure costs, and we need $176K in funding. That's over $112K in built-in equity!Exit Strategy 1: Quick Auction Cash! With a 90-day Texas foreclosure and a $191K legal balance (after taxes), a quick auction sale is likely. You get a guaranteed 10% return on your $176K, paid out even if it sells faster than 90 days. We're talking $4,400+ interest in under three months!Exit Strategy 2: REO Flip for Bigger Bucks! If it doesn't sell at auction (our preferred scenario!), we take it back as an REO. An additional $20K for rehab (total $196K invested) for light cosmetic work. Potential net profit of $52K+ with ROI up to 20% if we're doing a one-year prepayment penalty.Due Diligence & Timeline: Full collateral file, realtor CMAs, title update, HUD interior inspection, and exterior video are all available. We're aiming for mid-December funding to kick off a February foreclosure and a March/June sale. Fast, efficient, and profitable!This isn't just another podcast episode; it's a real-time opportunity. We're looking for funding in December, so if you've got an IRA or some passive investment cash ($176K) burning a hole in your pocket, and you want 10% or more, let's talk!For the full due diligence package, comps, and all the nitty-gritty details, reach out directly! Book a call with me at talkwithscottcarson.com or text (512) 585-3810. Let's make some money together before 2026 hits!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Want to know what is ahead for finance and borrowing in 2026, and how to win the game of money? Today, I’m joined by Nick Aves from Purely Finance to break down the current property market and offer finance strategies for navigating the challenges buyers and investors face with rising prices and limited supply. It’s crucial to manage borrowing capacity and make informed decisions in this tough lending environment. With interest rates stabilising but lending policies remaining tight, Nick reveals the key shifts in trust lending and cross-collateralisation, plus actionable tips for restructuring your loans to maximise borrowing power. Dive into the finance strategies you need to stay ahead in Perth’s competitive property market. Let’s go inside. Resource Links: Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property (https://www.investorsedge.com.au/invest-in-perth-property/) Get email updates about suburb intelligence reports and exclusive invites to our webinars, events, and workshops. Join (investorsedge.com.au/join) Join the Perth Property Investment Facebook Group (https://www.facebook.com/groups/perthpropertyinvestors) Join Jarrad Mahon’s Property Investor Update (https://www.investorsedge.com.au/join) For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind (https://www.investorsedge.com.au/perth-property-management-specialists/) For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you (https://www.investorsedge.com.au/selling-your-perth-property/) Episode Highlights: Intro [00:00] Market Conditions and Buyer Challenges [02:01] Lender Policies and Trust Lending [03:55] First-Time Buyers and Parental Assistance [11:21] Investment Strategies and Market Outlook [24:44] Tips for Buyers and Investors [27:17] Thank you for tuning in! If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. About the Guest: Nick Aves is the Director and a seasoned Finance Broker at Purely Finance, bringing over 30 years of experience in the finance industry. He began his career as a trainee and quickly advanced to managing complex business lending portfolios exceeding $65 million. In 1998, Nick applied his business acumen by purchasing and successfully operating the award-winning Dear Friends Restaurant in Swan Valley before returning to finance as a broker. Known for his dedication and expertise, he has consistently earned PLAN Australia’s Sales Master Award since 2005 and was recognized among the MPA top 100 brokers in Australia in 2007. With a Diploma in Financial Services and extensive knowledge in banking, business finance, and development, Nick provides tailored advice on investments, loans, and insurance to help clients achieve financial success. Outside of work, he enjoys sailing on the Indian Ocean. Connect with Nick: LinkedIn: https://www.linkedin.com/in/nickaves/ Website: https://www.purelyfinance.com.au/team/nick-aves/ Connect with Perth Property Insider: Subscribe on YouTube: https://www.youtube.com/@InvestorsedgeAu Like us on Facebook: https://www.facebook.com/investorsedge See omnystudio.com/listener for privacy information.

In Episode 110 of the Canadian Private Lenders Podcast, Ryan and Neal break in their brand-new studio with a deep dive into one of the hottest topics circulating in the real estate and lending world: the rise of 50-year mortgages in the United States.The hosts unpack what a 50-year mortgage actually looks like, who benefits, why the U.S. is considering them, and whether Canada would ever dare to follow. Along the way, they explore current housing forecasts, affordability breakdowns across Canada, private-lending implications, and the macroeconomic mechanics behind debt-driven asset growth.If you're a mortgage broker, lender, real estate professional, or investor, this episode offers a grounded, honest analysis of the policies shaping the future of housing.00:00 – What is a 50-year mortgage?00:26 – New studio intro01:08 – Back to in-person episodes01:43 – Remax 2026 housing rebound headline04:38 – Introducing today's topic: 50-year mortgages05:12 – U.S. vs Canada mortgage structures07:40 – Mechanics of 50-year amortization08:20 – Interest costs & debt misconceptions09:39 – Asset value growth from extended amortizations10:26 – Why the U.S. is considering this now11:36 – Securitization & “Big Short” parallels12:24 – Risks & criticisms15:52 – Halifax wealth effect example17:30 – Why Canada won't adopt 50-year mortgages18:28 – Securitization challenges in Canada19:01 – Consumer debt culture20:02 – Fragmented Canadian housing markets21:00 – Discussion on 40-year amortizations24:42 – Opportunity during corrections25:20 – Borrower affordability vs long-term wealth26:00 – Investors using long AMs indirectly27:00 – Income growth, zoning & structural differences29:04 – Private lending impacts if U.S. adopts 50-year mortgages30:16 – Canadian ALT market outlook31:32 – Lending risk during corrections32:40 – Final takeaway: Canada unlikely to adopt 50-year AMs33:40 – Wrap-up & studio shoutout34:37 – Sign-off & disclaimersResources:Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedIn: Neal AndreinoFind Ryan on:LinkedIn: Ryan MacNeilE-mail: ryan@keycap.ca

Portfolio Manager at Animoca Brands and former Chief Investment Officer at Node Capital, Shan Han joins Jeremy Au to trace his path from Hong Kong trading to fintech and Web3, discuss how early crypto grew from ideology, and explain why tokenizing assets like student loans can unlock education across Southeast Asia. They explore how customer urgency validates real problems, how global liquidity reshapes emerging markets, and how regulation and permissioned systems will define the future of crypto. Shan also reflects on leaving hedge funds to build companies that solve urgent needs. 06:00 First startup taught real founder lessons: Shan overbuilt the product and underinvested in speaking to customers, which he now sees as his biggest early mistake. 09:00 ICO wave created opportunity and chaos: Node Capital traded markets and backed early tokens as crypto cycles repeated with massive upside and sharp crashes. 10:00 SME lending proved a painkiller need: Borrowers called him for loans before a product even existed, showing that real demand always leads. 14:00 Tokenized student loans expand access: Global liquidity meets local underwriting so students in the Philippines and Indonesia receive financing they previously could not access. 14:55 Benefits emerge for investors, lenders, and borrowers: On-chain capital finds high-quality yield, local lenders scale faster, and students get more affordable financing. 17:15 Blockchain reshapes student loan markets: Unified liquidity, alternative credit models, and on-chain verification make lending systems more efficient and more inclusive. 22:00 Every major asset will become tokenized: Stablecoins lead the way, followed by T Bills and real-world assets as liquidity and tradability improve. 29:00 Courage means leaving comfort for impact: Shan left a hedge fund he loved to build companies because solving real problems mattered more than staying safe. Watch, listen or read the full insight at https://www.bravesea.com/blog/shan-han-tokenize-real-life Get transcripts, startup resources & community discussions at www.bravesea.com WhatsApp: https://whatsapp.com/channel/0029VakR55X6BIElUEvkN02e TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea English: Spotify | YouTube | Apple Podcasts Bahasa Indonesia: Spotify | YouTube | Apple Podcasts Chinese: Spotify | YouTube | Apple Podcasts Vietnamese: Spotify | YouTube | Apple Podcasts #Web3 #DeFi #Tokenization #StudentLoans #EmergingMarkets #CryptoEducation #FintechInnovation #DigitalAssets #FutureOfFinance #BRAVEpodcast

What does the Reserve Bank's Official Cash Rate (OCR) mean for your mortgage, savings, and investment decisions? Nigel Grant (Head of Wealth Products, ASB) is joined by Chris Tennent-Brown (Senior Economist, ASB) and Manu Batra (Head of Home Lending Products, ASB) to unpack the latest OCR decision and what it means for Kiwi borrowers and savers. They break down why mortgage rates don't always move in step with the OCR, and how to balance lending and savings strategies as market conditions evolve.

#canadianrealestate #canadianeconomy #realestateagentsSummaryIn this episode, Cortez Ranieri discusses the current state of the Canadian economy and real estate market, focusing on housing affordability, generational perspectives on economic issues, immigration challenges, banking trends, and market predictions. The conversation highlights the increasing rental market, the disparity between owning and renting, and the implications of skilled labor leaving Canada. Cortez also reflects on the future of the real estate market as it heads into the new year.1. Book A Call With Us Here (It's absolutely free)

For fix and flip entrepreneurs of single-family homes, it's hard to get financing from traditional lenders. This lack of access to capital creates a market for private lenders who have the flexibility and access to capital. It's a win-win for borrowers and lenders. Borrowers get capital to fund their businesses; lenders make a healthy return for making these kinds of loans. Investors who invest in hard money funds also do well, earning sometimes as high as high teen returns. Matt Medrano, Co-founder and CRO of Dynamo Capital, has a growing fund of hard money loans, mostly in Wichita, and is expanding to other Midwest cities.

It's the ultimate financial nightmare. Kristin Collier, a young student in Minnesota, woke up one morning to discover that her mother had taken out $200,000 in Kristin's name. Collier tells this story in What Debt Demands, a book about America's student debt crisis that is both personal and political. Collier, who proudly defines herself as a “democratic socialist”, believes that student debt is a form of modern American serfdom. So what to do? She argues for massive debt cancellation, free public higher education funded by taxes on stock trades, and restoring bankruptcy protections that existed before 2005. But with the average American now carrying $105,000 in debt and one in four households living paycheck to paycheck, can any political initiative—a Mamdani democratic socialist style or otherwise—actually address this crisis before it triggers a nightmarish financial crisis in the broader economy?1. Student Debt Has Become Inescapable Serfdom Since 2005, student loans—both federal and private—are nearly impossible to discharge through bankruptcy. Borrowers must meet an “undue hardship” standard so stringent that people are literally having their Social Security payments garnished in retirement to pay off loans taken out at age 20. Unlike mortgages or credit card debt, education debt follows you for life.2. Private Student Lenders Operate Like Subprime Mortgage Predators During the mid-2000s, banks offered “direct consumer private loans” up to $30,000 with no school certification required, transferred straight to bank accounts, with interest rates of 10-12%. A $30,000 loan could balloon to $100,000. Collier's mother was able to take out eight separate loans totaling $200,000 using only a Social Security number and forged signature—the system had no safeguards because lenders prioritized profit over verification.3. Biden's Big Moves Failed, But Smaller Wins Succeeded Biden's signature executive action to cancel $10,000-$20,000 in federal student debt (which would have freed 20 million borrowers) was blocked by courts, as was his generous SAVE income-driven repayment plan. However, his reforms to Public Service Loan Forgiveness, existing income-driven repayment programs, and borrower defense protections have canceled billions in debt—demonstrating that incremental administrative changes work better than bold executive action in our current legal landscape.4. The Debt Crisis Extends Far Beyond Students With average American consumer debt at $105,000 and one in four households living paycheck to paycheck, we're potentially heading toward systemic economic collapse. The issue isn't just student loans—it's medical debt, rental debt, and a broader affordability crisis. Collier's organization, the Debt Collective (born from Occupy Wall Street), treats this as a collective action problem requiring a union of debtors across all categories.5. Debt Creates Psychological Haunting, Not Just Financial Burden Collier describes debt as both “presence and absence”—a constant bodily heaviness and dread. She feared her credit card would be rejected at grocery stores, dreaded checking her bank account, assumed every unknown phone number was a debt collector. This shame is culturally reinforced: Americans are taught that unpayable debt reflects personal moral failure, even when the system itself is predatory. One borrower told her he avoided dating entirely because he was too ashamed to reveal his debt burden.Keen On America is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit keenon.substack.com/subscribe

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the latest FHFA drama emanating from Washington DC. Plus, Robbie sits down with Telhio Credit Union's Allie Hager for a discussion on how independent mortgage banks and credit unions differ in serving today's borrowers, focusing on borrower sentiment around rates versus payments, strategies for building customer loyalty, and personal insights on professional growth and finding one's comfort zone. And we close by looking at why economic releases are still delayed despite the end of the government shutdown.This week's podcasts are sponsored by TransUnion. Mortgage lenders choose TransUnion for their identity-focused, data-driven mortgage insights and solutions, enabling them to achieve more desirable lending outcomes in a volatile housing market.

Private equity-owned education companies like Houghton Mifflin and Lakeshore Learning are learning a hard lesson in the US leveraged finance market this year as their loans and bonds have tumbled to trade at discounts.In this episode of Cloud 9fin, senior reporter Sunny Oh sat down with US managing editor Bill Weisbrod and discussed his story about how investors have taken a close look at this group of borrowers and asked what the future holds for them in a world where school districts have had to tighten belts and cut spending.Most notably, we talked about how the expiration of the Elementary and Secondary School Emergency Relief Program (ESSER) has hurt education borrowers who have struggled to fill in the hole left by the $190bn policy. Meanwhile, falling school enrollment and the global trade war has compounded issues in the sector.

We've hit 400 episodes. That's hundreds of hours helping borrowers make sense of one of the most complicated (and emotional) parts of personal finance. In this milestone episode, I sit down with Lauryn Williams, CFP®, CSLP®, AFC®, one of our longest-serving planners and a key part of SLP since 2018. Together, we look back on how it all started — a spreadsheet that accidentally went viral — and how far we've come since then. We talk about the biggest surprises in today's student loan system, the stories that still move us years later, and where SLP is heading next. Key moments: (02:37) How a viral spreadsheet launched a national business (9:34) From Olympian to planner: Lauryn's journey to helping borrowers with student loan debt (14:50) The biggest shock about student loans today compared to 2016 (22:00) Client stories that still stick with us (32:15) Why today's system is simpler—but still not simple enough (38:54) What's next for SLP: building the SLP Insiders app to bring borrowers together Resources mentioned: Financial Free Era podcast 988 Suicide & Crisis Lifeline Heather Jarvis, Student Loan Expert   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

As featured on Home Sweet Home Chicago on 11-08-2025: Attorney Rae Kaplan of Kaplan Law Firm joins David Hochberg to talk about the latest federal student-loan law changes and why now is an extremely important time for families to plan for their future with loans and scholarships. For more information, call (312) 564-4267.

In bad news for millions of mortgage holders, the RBA has today left the official cash rate on hold at 3.6%. The RBA governor warning there are turbulent times ahead for the Australian economy, admitting the Board is keeping a very close eye on inflation and unemployment data. In this episode of The Briefing, Natarsha Belling is joined by financial expert Sally Tindall, who unpacks today’s decision and her predictions on what the RBA may do next. Headlines: History has been made at the Melbourne Cup, 13 people have been arrested after police and demonstrators clashed at a Pro Palestine protest in Sydney’s CBD, and a New York mayoral candidate has taken a bizarre swing at Sydney’s Parramatta. Follow The Briefing: TikTok: @thebriefingpodInstagram: @thebriefingpodcast YouTube: @TheBriefingPodcastFacebook: @LiSTNR Newsroom See omnystudio.com/listener for privacy information.

Teenage cricketer dies in training accident; Australia's four major banks cast doubt on rate cut; Deaths confirmed after record-breaking hurricane; Prince Harry takes aim at social media giants; Lily Allen shares dating truths after album launch. Support independent women's media CREDITS Host/Producer: Raffaella Ciccarelli / Cassandra Green Audio Production: Lu Hill Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

 In this must-watch episode of Fintech Hunting, host Michael Hammond welcomes back Dan Bailey, SVP at WFG Enterprise Solutions, to uncover how WFG is transforming title, valuation, and lending operations with next-gen technology and service-first culture.

The following guests sit down with host Justin White:•   Loli Martinez Calbert and Alix Pate, Dream Team LendingMortgage Brokers Who Treat Their Clients So Well They Become Friends‘Fast, friendly and efficient' isn't just a tagline for Dream Team Lending – it's how they run every facet of their business. How can mortgage brokers attract clients simply by showing how invested they are in their experience?  Listen to Episode #108 of Good. Better. Broker. to learn how the founders of Dream Team Lending form relationships that last well beyond the loan process.In this episode of the Good. Better. Broker. podcast, you'll hear how to deliver customer service that makes borrowers and real estate agents want to refer you.In this episode, we discuss ...•   1:36 – the dynamic between Loli and Alix•   2:18 – how Loli and Alix divide and conquer •   4:15 – increasing visibility for the Dream Team brand•   5:45 – how their efforts have impacted business•   6:48 – Loli and Alix's tagline and what it means for clients and referral partners•   7:57 – why Loli and Alix's dynamic helps to attract business•   8:57 – how Loli and Alix push each other outside their comfort zones•   10:28 – why business is also personal for Loli and Alix•   12:06 – how being partners helps enhance customer service•   14:45 – why finding joy in your job makes people want to work with you•   16:01 – how Loli and Alix first started working togetherShow Contributors:Loli Martinez CalbertConnect with Loli on LinkedIn Connect with Loli on FacebookConnect with Loli on Instagram Alix PateConnect with Alix on LinkedIn Connect with Alix on FacebookConnect with Alix on Instagram About the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTube Head to uwm.com to see the latest news and updates.

The AJ Bell Money & Markets podcast team give you the latest insights on issues affecting your personal finances, investments and pensions.  Dan Coatsworth explains why there has just been a brief shock on the markets around fears of a new banking crisis. [2:10]. You can also hear why Unilever won't be splitting off its ice cream arm in mid-November as previously planned. [4:05] Dan and Charlene dissect the latest UK inflation data and explain why it was treated with widespread celebration. The inflation figure strengthens the argument for interest rate cuts and gives people in retirement clarity on how much the state pension will pay from next April, as September's inflation result is used in the calculation. [8:25] The government has issued a white paper that points to changes around the costs of going to university, and the funding methods available. [14:02] Tom Sieber talks about the latest property market trends [17:14], while Dan tunes into the latest results from Netflix [26:10 ]. Charlene has some worrying statistics about pensioners being hit by tax on savings accounts. [21:05] To round things off, we conclude our conversations with various experts on what could happen if there is an AI bubble and that bubble bursts. Danni Hewson caught up with Julian Bishop from Brunner Investment Trust [32:02] while Dan talks to Marcel Stötzel from Fidelity European. [40:54]

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture Lee Zeldin will be releasing info on the climate control system that the [DS] have been using. The [CB] is trying to push the economy over the edge before Trump's system take effect. Prediction for gold $8000 an ounce. Trump has brought the deficit down to 2019 levels. The [DS] is going to track Ice, which means they are assisting the criminals. Brennan is now sending message to Comey that nobody is going to sing and turn on you. The [DS] is pushing war and Trump know they are doing this, this is part of their 16 year plan. Trump is using the enemies tactics against them. He just placed sanctions on Russia, this has been done since 2014 and it did not hurt Russia or stop Russia. Trump is leading the [DS] down the path to war and he will usher in peace, the art of war.   Economy  https://twitter.com/onechancefreedm/status/1980992971840319512  the weight of bad loans and alleged fraud. Then First Brands, a heavily indebted auto parts manufacturer, filed for Chapter 11. Now, PrimaLend Capital Partners, another subprime lender has fallen after defaulting on its bond payments, pushed into bankruptcy by unpaid creditors. These aren't isolated blowups; they're the first visible cracks in a broader credit contraction that's been quietly building beneath the surface. What links them all is the same structure of fragility: loans to high risk borrowers, funded through short term credit and securitized into complex bonds that depend on constant refinancing. When the Fed held rates near zero, that model worked but after two years of policy tightening and an average fed funds rate above 4.4%, the entire subprime ecosystem is choking on its own leverage. The subprime auto sector is the perfect early warning signal because it sits at the intersection of consumer stress and financial engineering. Borrowers with weaker credit are defaulting at rising rates, repossessions are spiking, and lenders like PrimaLend that rely on bond markets for funding are discovering those markets have no appetite for risk. This is about a chain reaction through the private credit and asset backed markets that financed them. Dimon's cockroaches aren't just in subprime auto, they're spread across the shadow banking system. Many private credit funds, BDCs, and securitized lenders hold similar exposure, marked to model rather than market. The first failures are surfacing where consumers feel the pinch first, but as liquidity tightens further, the stress will migrate up the credit spectrum, from auto loans to small business credit, to leveraged corporates, and eventually to the banks that lent to them. These bankruptcies are the financial equivalent of the first tremors before an earthquake. What looks contained in subprime auto today is really the credit cycle shifting into its next phase, one where overextended lenders, not just borrowers, start defaulting. The cockroaches are moving fast, and the lights have only just come on. Existing Home Sales Rise Off Record Lows As Mortgage Rates Drop  With mortgage rates tumbling, housing market participants were disappointed this week by the lack of enthusiasm by homebuyers to apply for mortgages (though there was a decent bounce in refi activity). This morning's existing home sales data (admittedly for September) will give us a further glimpse into the reality oh home-buying vs home-selling as the gap between current mortgage rates and the average existing mortgage rates remains vast...

Creating a home that supports your health and well-being is one of the most valuable investments you can make. In this episode, Judy explores how wellness-focused design enhances your living space — from air quality and natural light to the incredible benefits of infrared sauna therapy.

This Day in Legal History: Saturday Night MassacreOn October 20, 1973, a pivotal event in American legal and political history unfolded: the “Saturday Night Massacre.” Special Prosecutor Archibald Cox was fired by Solicitor General Robert Bork at the direct order of President Richard Nixon. Nixon's decision came after both Attorney General Elliot Richardson and Deputy Attorney General William Ruckelshaus refused to carry out the order and instead chose to resign. Cox had insisted on obtaining White House tapes related to the Watergate break-in, and Nixon, citing executive privilege, ordered him removed.The dismissals plunged the Justice Department into chaos and sparked widespread public outrage. Nixon's actions were viewed by many as a blatant abuse of power and a threat to the independence of the justice system. Congress was inundated with demands for Nixon's impeachment, and confidence in the executive branch eroded further. Though Bork ultimately carried out the dismissal, he later stated he believed it was his duty to preserve the functioning of the Justice Department.The fallout from the Saturday Night Massacre significantly intensified the Watergate investigation. Within months, new Special Prosecutor Leon Jaworski was appointed, and he continued the push for the tapes. Eventually, the U.S. Supreme Court ruled unanimously in United States v. Nixon (1974) that Nixon had to turn them over. The tapes revealed evidence of a cover-up, which led directly to Nixon's resignation in August 1974.President Trump commuted the federal prison sentence of former U.S. Representative George Santos, ordering his immediate release. Santos, who had been sentenced in April to over seven years for fraud and identity theft, was serving time for falsifying donor information and inflating fundraising figures to gain support from the Republican Party during his 2022 campaign. His short and controversial congressional tenure ended in expulsion following numerous scandals, including false claims about his education, employment history, and family background.Trump announced the commutation on Truth Social, arguing that Santos had been “horribly mistreated” and drawing comparisons to other “rogues” in the country who do not face such lengthy prison terms. Earlier in the week, Santos had publicly pleaded for clemency, praising Trump and expressing remorse for his actions. The commutation fits into a broader pattern of Trump's second-term use of clemency powers, which included mass pardons of January 6 defendants and relief for political figures from both parties. The Constitution grants the president wide authority to issue pardons or commute sentences for federal offenses.Trump commutes prison sentence of former lawmaker George Santos, orders him released | ReutersA proposed class action lawsuit was filed in federal court in Connecticut, accusing eight major U.S. banks—including JPMorgan Chase, Bank of America, Wells Fargo, Citibank, and U.S. Bank—of conspiring to fix the U.S. prime interest rate for over three decades. The plaintiffs, representing potentially hundreds of thousands of borrowers, claim the banks coordinated to align their prime lending rates with the Wall Street Journal Prime Rate, which is typically set at three percentage points above the federal funds rate. This rate influences trillions of dollars in consumer and small-business loans, such as credit cards and home equity lines.The suit alleges that this coordination inflated borrowing costs for consumers and small businesses, who were led to believe the rates were set independently. It also asserts that up until 1992, the Wall Street Journal published a range of prime rates that reflected competitive differences among banks, but since then has moved to publishing a single rate derived from input by a select group of large banks. Although the Wall Street Journal and Dow Jones are not named as defendants, the lawsuit challenges the transparency and independence of the current rate-setting process.Plaintiffs argue that decades of nearly identical prime rate pricing among the banks defies the notion of independent rate-setting. The banks named in the case have not yet made court appearances and mostly declined to comment. The suit, Normandin et al v. JPMorgan Chase Bank N.A. et al, aims to hold the institutions accountable for what plaintiffs call a longstanding, anti-competitive scheme.Borrowers sue major US banks over alleged prime rate-fixing scheme | ReutersChief Judge Colm F. Connolly of the U.S. District Court for Delaware issued a ruling that could significantly alter how early-stage patent litigation is handled, particularly regarding willful infringement claims. Reversing his earlier stance, Connolly held that requests for enhanced damages due to willful patent infringement are not standalone claims subject to early dismissal if the underlying infringement claims proceed. The decision came in a case involving clot-removal device patents, Inari Medical Inc. v. Inquis Medical Inc.This shift may complicate early settlements by increasing uncertainty and widening the valuation gap between plaintiffs and defendants. Because Delaware is a leading venue for patent disputes, Connolly's ruling may influence how courts across the country handle similar motions, although it's uncertain whether other judges will adopt the same reasoning. Legal scholars and practitioners note the opinion could lead to more aggressive pre-suit tactics from patent holders, such as sending demand letters alleging willfulness, which could provoke accused companies to initiate preemptive litigation in favorable jurisdictions.Connolly's approach represents a sharp departure from his prior treatment of willfulness claims and, according to experts, effectively lets plaintiffs include such allegations in their complaints without risk of early dismissal. However, the ruling also reaffirmed that plaintiffs still need to establish pre-suit knowledge of the patents to succeed on claims of post-suit willfulness or indirect infringement.Connolly's Willfulness Ruling Risks Scuttling Patent Settlements This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

In this episode, Erika sits down with Chris Baumann, Executive Vice President of Socotra Capital, to talk about what makes their company stand out as a “hard money lender with a heart.” Chris shares how he got started in the industry, the importance of company culture, and how Socotra Capital has built long-term trust with both investors and borrowers through fast, reliable lending.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Accunet Mortgage & Realty Show 10-11-2025: Market Insights and Client Success## Government Shutdown and Economic DataThe recent government shutdown left mortgage professionals without critical data like the jobs report. However, Bureau of Labor Statistics employees were recalled to complete the September Consumer Price Index report—needed for Social Security cost-of-living adjustments. This matters because CPI measures inflation, the primary driver of mortgage rates.## Global Markets Impact Your RateJapanese political developments unexpectedly moved U.S. mortgage rates this week. Coalition negotiations caused rates to rise Monday, then fall Friday when the coalition collapsed. While you shouldn't track Tokyo politics, this shows how rates reflect complex global factors beyond local conditions.## Rate Options: No Single AnswerThere's no single “rate today.” Borrowers choose different approaches—some pay no points, others buy down their rate. The decision depends on loan size, equity, timeline, and cash preferences. Choose what aligns with your financial strategy.## Southeastern Wisconsin MarketSeptember sales rose 3% year-over-year to 1,546 transactions, though 20% below pre-pandemic levels. About 60-65% of homeowners have rates under 4%, creating a “lock-in effect.”Median prices rose 7% to $362,500, but single-family homes ($390,000, up 10%) outpaced condos ($280,000, up 1.5%). Inventory is improving—new listings exceeded closings by 583 homes, creating a 2.5-month supply (still a seller's market but trending toward balance).Competition remains steady: 46% of homes sold above asking. With inflation stabilizing, buyers may be more selective, letting good homes move fast while mediocre properties linger.## Success Story: Value Acceptance WinsA buyer transitioning from Illinois won with a $20,000 over-ask offer using strategic advantages:- **Value Acceptance**: Property qualified for no-appraisal at their offer price—eliminating risk and delays- **Proactive Communication**: Calling the listing agent to highlight this advantage- **Speed**: 10% down ready, committed to 2.5-week closeLesson: Combine financial readiness, strategic advantages, clear communication, and speed.## Smart Down Payment StrategyA buyer planning $43,000 down (12%) explored alternatives: Every $1,000 in down payment changed their monthly payment by only $6.50. Keeping $10,000 in savings costs about $65 monthly—roughly two restaurant deliveries.For homes needing work, having cash for repairs might outweigh minimal payment savings.**Balance Three Factors**: Money leaving savings, money remaining for reserves, and monthly payment comfort. The best choice depends on your situation, not generic rules.## Refinance RealityDon't wait for a full percentage point drop. On a $500,000 loan, even 0.5% saves $244 monthly—nearly $3,000 annually. Consider absolute savings and break-even timeline, not arbitrary rules.## Key TakeawaysMarkets are complex and globally connected. The best mortgage matches your specific cash position, income trajectory, and goals—not one-size-fits-all advice. Competitive success requires financial readiness, speed, and understanding advantages like value acceptance. Local dynamics matter most. Cash versus equity decisions should reflect your priorities and circumstances, helping you find what works best for your life and financial situation.​​​​​​​​​​​​​​​​

Fannie Mae and Freddie Mac have released temporary policies to keep the housing market moving during the government shutdown. In this episode, Kathy Fettke breaks down what the new rules mean for borrowers, lenders, and real estate investors — including changes to employment verification, paystub requirements, and forbearance options for furloughed workers. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCES: https://singlefamily.fanniemae.com/media/43381/display https://guide.freddiemac.com/app/guide/bulletin/2025-E?utm_source=chatgpt.com 

When buyers with deeper pockets walk into a home, what makes them stop and say, this is the one?  In this episode we paint the picture of what wealthy buyers are really after—status, comfort, and effortless living—and tie it back to the emotional appeal of each feature. Homeowners - you don't need a mansion to highlight “luxury appeal.” It's about creating moments of luxury in everyday spaces. 'Windermere Ready' Specifically for homeowners preparing to sell their homes. See below HELP US SPREAD THE WORD!!  If you loved this episode, kindly leave us a Review - FOLLOW this show and Share it on Social !  It would mean the world  

Want to double your Realtor referrals without chasing, cold-calling, or paying for leads?See how Travis Newton grew his production by $40 million!Check Out myAgent Classes HereEpisode Summary:Most mortgage professionals think their biggest challenge is inventory or affordability, but the real problem might be hiding in plain sight: your sales process. In this episode, I sit down with Jake Vermillion, CMO of Mortgage Champions, to unpack why most loan officers are still selling like it's 2021… and how that's quietly destroying trust, pull-through, and long-term loyalty.Jake reveals how misalignment between marketing and sales is creating a broken borrower experience—and what to do instead. From replacing “Apply Now” with value-first engagement, to knowing where AI belongs (and doesn't), this episode is a must-listen for any LO or leader who wants to stay relevant and competitive in 2025 and beyond.Connect WIth Jake on LinkedInLearn More About Mortgage ChampionsDouble Your Agent ReferralsCheck out myAgent Classes HereConnect With GeoffA Connect on InstagramS Connect on LinkedInK Subscribe on YouTubeSAY THANKS Leave a review on Apple PodcastsG Leave a rating on Spotify

Attorney Rae Kaplan of Kaplan Law Firm joins John Williams to talk about new legislation for Parent Plus borrowers that could make payment plans less expensive.

Attorney Rae Kaplan of Kaplan Law Firm joins John Williams to talk about new legislation for Parent Plus borrowers that could make payment plans less expensive.

With a tsunami of mortgage renewals hitting this fall and wild swings in rate predictions, borrowers are scrambling to navigate unprecedented volatility in the mortgage market. Mortgage broker Kyle Green sits down with Adam & Matt this week to decode the chaos as his team sees a 50% spike in inquiries while Bank of Canada rate cut odds swing from 15% to 90% in a single week. From the Trump tariff impact that flipped variable versus fixed strategies to banks pushing aggressive year-end specials before October deadlines, this conversation cuts through the noise to reveal what actually drives your mortgage rate and when timing might save you serious money. Will September finally bring the rate relief borrowers are banking on? What's behind the disconnect between falling rates and flat market activity? And when the spread between three-year and five-year terms is only 20 basis points, how do you calculate which option actually saves you money over time? Don't miss this essential fall mortgage guide!   

Millions of people with federal student loans are facing changes to their payment options. And some new borrowers will deal with caps that won't cover the entire cost of their education. It's the result of a complete overhaul of federal student loan policies under President Trump's “Big Beautiful Bill.”

The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.In today's episode, we go through all the latest happenings from Washington DC and how they are impacting the mortgage industry. Plus, Robbie sits down with Porchlight's David Wells for a discussion on how the mortgage industry is shifting from a human-driven, siloed process to a fully programmatic, API-powered model that automates repetitive tasks, streamlines capital markets execution, and empowers loan officers to focus on high-value, trust-building relationships. And we close by looking at what the Fed's Beige Book said about economic stagnation.Sponsored by Gallus Insights. Mortgage KPIs, automated, at your fingertips. Gallus allows you to turn data from your various databases and systems into automated business intelligence and actionable insights. 

In this episode of the Real Estate Pros Podcast, host Pedro Pereira interviews Andrew Carlton, a seasoned expert in real estate, construction, and land development. Andrew discusses his innovative approach to funding solutions for borrowers, emphasizing the importance of building strong relationships and a capable team. He shares insights on navigating challenges in the real estate market and outlines his vision for future growth, including customizable funding options. The conversation highlights the significance of collaboration and knowledge in achieving success in the industry.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Will a Fed rate cut really make a difference? There is a lot of noise right now about whether the Federal Reserve will cut rates by 25, 50, or even more basis points. But the real question is not just if they cut, it is why they are cutting and how markets will interpret it. In this episode, Jeannette Friedrich breaks down what a rate cut actually means, which parts of the economy it touches, and where the real impact may (or may not) show up. Key Takeaways: - What the Fed really controls: The federal funds rate affects short-term borrowing costs like credit cards, auto loans, and HELOCs, but not directly mortgages. - Why mortgage rates do not move in lockstep: Mortgages are tied to the 10-year Treasury yield and inflation expectations, not the Fed's policy rate. - Market perception matters: A proactive cut can boost confidence, while a reactive cut may signal trouble and spook markets. - Lagged effects: Any impact from rate cuts plays out over months, not days. - Winners and losers: Borrowers with variable-rate loans may benefit, while savers could see returns on CDs and money market accounts decline. - The bottom line: Rate cuts are more about signaling than substance. The key is asking why the Fed is cutting and how markets interpret the move. Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *

Built primarily for institutional-grade clients,  Pareto delivers customizable on-chain credit markets designed to expand DeFi liquidity and TradFi tokenization through structured yield strategies tailored to diverse risk profiles. Pareto allows its users to construct individualized credit lines in specific risk-ajusted tranches, with custom: interest rates, lockup periods, withdrawal cycles, reserve ratios, etc. In addition, Pareto's USP is an yield-bearing synthetic stablecoin, fully backed by major stablecoins, that can be deployed into a diversified portfolio of liquid, short- and long-term credit, thus increasing capital efficiency.Topics covered in this episode:Matteo's backgroundIdle Finance yield optimizationPivoting to ParetoInstitutional borrowers in early DeFiCompetitive advantage of ParetoOutsourcing underwritingManaging defaultsCustomized lendingKYC requirementsTimeline terms ‘marketplace'USP, Pareto's synthetic yield-bearing dollarLegal framework & credit allocatorsUSP yield, liquidity & integrations‘Opaque' credit vs. DeFiPareto smart contracts and redeemsSuccess in on-chain credit marketsEpisode links:Matteo Pandolfi on XParetoPareto on XIdle Finance on XSponsors:Gnosis: Gnosis builds decentralized infrastructure for the Ethereum ecosystem, since 2015. This year marks the launch of Gnosis Pay— the world's first Decentralized Payment Network. Get started today at - gnosis.ioChorus One: one of the largest node operators worldwide, trusted by 175,000+ accounts across more than 60 networks, Chorus One combines institutional-grade security with the highest yields at - chorus.oneThis episode is hosted by Friederike Ernst.

Nearly 43 million Americans have federal student loan debt. Their borrowing totals more than $1.8 trillion. That's according to the Education Data Initiative.Now, the federal student loan system is facing significant changes under the Trump administration.One of the biggest differences is the end of the Saving on a Valuable Education, or SAVE plan, started by President Joe Biden. The income-driven program offers low monthly payments and an expedited path to loan forgiveness. Republicans challenged the plan in court where it's still tied up, leaving the 7.7 million enrollees in limbo.How is the Trump administration overhauling the federal student loan system? And what does this mean for the tens of millions of current and future borrowers?Find more of our programs online. Listen to 1A sponsor-free by signing up for 1A+ at plus.npr.org/the1a.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture The EV manufactures are losing a lot of money, there was no demand for their products, it was an illusion and most of these manufactures will go out of business. Trump admin will not approve wind or solar for any state. Fed Gov Cook lied on mortgage app. Trump calls for her to resign. Trump is setting the precedent to fire Fed Govs under 12USC242. Fed in the end will cause inflation. The [DS] tried to push Russian collusion 2.o using the Epstein files. Trump called their bluff and said he wanted the grand jury info declassified. All the D Judges blocked the release of this info. Tulsi removed the security clearances for more [DS] actors. Scavino sends message that the castle is now clean.   Economy https://twitter.com/DanielTurnerPTF/status/1957842823408939113  wheels.  https://twitter.com/TrumpWarRoom/status/1958165814399619357   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); BREAKING: Trump Calls on Biden-Appointed Federal Reserve Governor Lisa Cook to Resign After FHFA Director Pulte Sends Criminal Referral to DOJ for Mortgage Fraud According to Pulte's criminal referral, Lisa Cook committed mortgage fraud by lying on her mortgage application and falsifying bank statements when she designated her out-of-state Atlanta condo as her “primary residence”—just two weeks after taking a loan on her Michigan home, which she also claimed as her “primary residence.” By claiming “primary residence” on her out-of-state condo, Lisa Cook received more favorable loan terms and a lower interest rate. On June 18, 2021, Cook acquired a loan on a property in Ann Arbor, Michigan. On the mortgage agreement, Cook represented to “use the Property as Borrower's principal residence within 60 days after the execution of her agreement, Pulte said. On July 2, 2021, just two weeks later, Lisa Cook also purchased a condo in Atlanta and entered a 30-year mortgage agreement and affirmed the property would serve as her primary residence within 60 days of the execution of the mortgage and would serve as her primary residence for a full year, Pulte's referral said. According to Pulte, while Cook affirmed her Atlanta property would serve as her primary residence, online records indicate that the property was listed for rent in September 2022. “ https://twitter.com/pulte/status/1958111353505189889?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1958111353505189889%7Ctwgr%5E7b1ea1c18c3ea4f7d32cb6a97cb37da17b87743d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F08%2Fbreaking-trump-calls-biden-appointed-federal-reserve-governor%2F https://twitter.com/pulte/status/1958153869503975559?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1958153869503975559%7Ctwgr%5E7b1ea1c18c3ea4f7d32cb6a97cb37da17b87743d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F08%2Fbreaking-trump-calls-biden-appointed-federal-reserve-governor%2F https://twitter.com/pulte/status/1958138434171629636?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1958138434171629636%7Ctwgr%5E7b1ea1c18c3ea4f7d32cb6a97cb37da17b87743d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F08%2Fbreaking-trump-calls-biden-appointed-federal-reserve-go...

Since it's unlikely the Fed will make any interest rate moves at this week's meeting, it's safe to assume rates will stay up for at least a while longer. That means potential borrowers are weighing whether to wait out the Fed or get access to capital now, despite the cost. In this episode, local bankers tell us about the current lending climate. Plus: The EU promises to increase U.S. energy spending, credit card issuers lean in to premium cards with high fees, and Congress makes major changes to vehicle fuel efficiency regulations.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Photos of emaciated, starving Palestinians have drawn international condemnation of Israel’s blockade of aid to Gaza. NBC reports. Over the weekend, Israel said it would begin allowing more supplies into the enclave. The Washington Post has the details. Cory Turner with NPR explains what SAVE-plan borrowers need to know about their other repayment options as interest starts accruing on their loans this week. Venezuelans deported by the Trump administration say they were tortured during their four months in CECOT. Gisela Salim-Peyer spoke with four of them for The Atlantic. Plus, what we’ve learned about a mass stabbing in Michigan, the U.S. and E.U. made a deal on trade, and why there’s no song of the summer for 2025. Today’s episode was hosted by Shumita Basu.