Podcasts about interest rates

Anna Mendoza started investing out of state because she believed it would produce better returns. Living in an expensive market, the $60,000 she had saved wasn't enough to buy anything locally. But in other parts of the country, that same money could buy multiple rental properties. It seemed like a great way to build cash flow and start growing a portfolio.Instead, things quickly went off the rails. What looked like a promising investment turned into a nightmare.Anna dealt with unreliable contractors, break-ins, unexpected repairs, and tenants that required far more time and money than she anticipated. The expenses piled up and the cash flow she expected never materialized.On this episode, Anna walks through exactly what she bought, why the properties didn't perform the way she expected, and the hard lessons she learned from trying to manage rentals from a distance.But the story has a happy ending. Anna eventually sold those properties and used the money to pivot into a completely different strategy.Instead of chasing cash flow in distant markets, she began buying properties closer to home and focusing on appreciation. That shift changed everything.Today Anna has built a portfolio that has made her millions in real estate. We also talk about how she's able to come up with the down payments for more expensive properties and the strategy she's using to continue growing her portfolio today.https://rentalincomepodcast.com/episode565Thanks To Our Sponsors:Fundrise Income Fund - The Fund offers access to a diversified portfolio of cash flowing assets, all professionally managed by their expert team.Ridge Lending Group - Making the investment mortgage process simple and stress-free. Sign up for a free 30-minute investor strategy session.MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (5% Interest Rate & 5% Management Fee For 5 Years)Rental Accounting Software Made Easy. Free 30 Day Trial.

Bidding wars are back in 2026—and first-time buyers are feeling the pressure. This episode breaks down 50 expert strategies to help you compete, win, and avoid overpaying in a competitive housing market.Bidding wars are happening again in many parts of the country. Low inventory is bringing multiple buyers to the same homes, and first-time buyers need a plan.This episode walks through 50 strategies to help you compete without overpaying. It explains how real estate deals work, why every situation is different, and how to approach offers with the right mindset and flexibility so you can win with confidence.“None of these tips work every time. Some of them will apply to you. And one of them could be the thing that wins you the home.” - David SidoniHighlightsWhy bidding wars are happening again in 2026 and what it means for buyersThe “None, Some, One” rule for winning offersWhy mindset and confidence matter before strategyHow using multiple tactics increases your chances of winningReferenced Episodes175–177 – 3 Part Series: How to Win in Bidding Wars (2023 Edition)400 – Introduction: How to Buy a Home Starter Series (Start Here)426 – Lowering Your Down Payment – Financially Prepare to Buy Your First Home (Pt. 7)460 – Rent vs Buy in 2026: Are First Time Homebuyers Crazy?457 – First Time Homebuyers: Buy or Wait in 2026? (March Housing Market Update)413 – Common Questions About Getting a Home Loan364 – Buying a Home in High Mortgage Interest Rate Markets (2025 Update)353 – Real Answers Pt 2: Mortgage Myths, Interest Rates & Buying Timing349 – Credit Score Solutions for First-Time Buyers (Interview)346 – How to Build the Perfect Mortgage Plan (Before You Apply)345 – Why You're Asking the WRONG Question About Interest Rates340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)339 – Don't Get Pre-Qualified—Get a Plan (INTERVIEW)261 – How to Shop for the Best Mortgage Rate266 – EMERGENCY - Surprise Fed Rate Cuts Change Everything!247 – INTERVIEW: Tips from Expert (Unicorn) Realtor & Lending Team - VA First Time Home Buyer242 – 10 (MORE) Listener Questions ANSWERED: How to Buy Your First Home Pt 2412 – Breaking Your Lease (Is It Necessary?)436 – 20 Questions First Time Home Buyers MUST ASK Finding a Realtor437 – What Is a Unicorn Realtor? First Time Homebuyer FAQCheck out our updated 2026 First Time Homebuyer's Episode 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 "Ask David" AND 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!

Milton Friedman and others tried to explain interest rates using liquidity, economic activity, and inflation expectations. These things, however, only describe interest but do not explain it. Only the Austrian theory of time preference correctly explains interest.Original article: https://mises.org/mises-wire/popular-interest-rate-theory-describes-fails-explain

In this episode of the Planet MicroCap Podcast, I spoke with John Petrides, Portfolio Manager at Tocqueville Asset Management. We take a step back and examine the broader market landscape—from record concentration in mega-cap tech to the evolving AI investment thesis and the growing geopolitical and fiscal risks shaping today's capital markets. We discuss why the S&P 500's historic concentration may be creating hidden risks for passive investors, how the AI story is shifting from infrastructure providers to real-world adopters across industries, and why geopolitical flashpoints like Taiwan could represent the market's most significant systemic risk. We also explore the implications of rising U.S. deficits and higher interest rates for fixed income investors, and why the growing valuation gap between large-cap tech and the rest of the market may be setting the stage for renewed opportunity in small and micro-cap stocks—particularly those with strong balance sheets and exposure to hard assets like energy and critical minerals. We mention several companies and sectors during this conversation, and I'm not a shareholder in any of them. For more information about Tocqueville Asset Management, please visit: https://tocqueville.com/ Chapters: 00:00 Introduction and Market Landscape Overview 01:00 Market Surprises Since Spring 2023 02:09 Impact of AI Spending and Geopolitical Risks 03:10 Market Concentration and Sector Valuations 04:07 Opportunities in Healthcare and Small Caps 05:08 Portfolio Construction Amid Macro Uncertainty 06:05 International Diversification and Valuation Dispersion 07:02 Market Narrative Cycles and Signal Filtering 07:59 Long-Term Investing Principles and Market History 09:03 Market Structure and Price Discovery Risks 10:07 Key Market Mispricings and Sector Disconnects 11:06 Government Involvement and Sector Evaluation 12:04 Opportunities in Undervalued Sectors and Small Caps 13:02 Discipline and Focus in Rapid Information Environments 13:56 Fundamental Signals for Microcap Investment 15:07 Institutional Ownership and Market Movements 16:05 Impact of Government Actions on Market Sectors 17:04 Risks in Geopolitics and Long-Term Bonds 18:00 Microcap Market Inefficiencies and Opportunities 18:59 Market Disconnects and Investor Attention 19:57 AI Spending and Geopolitical Risks Revisited 20:53 Valuation Opportunities in Low-Margin Businesses 21:54 Underappreciated Risks: Taiwan and Capital Flows 23:06 Macro Trends and CapEx Quality Concerns 24:04 Microchip Supply Chain and Geopolitical Tensions 25:02 Interest Rates, Deficits, and Fiscal Risks 26:03 Active Bond Strategies and Long-Term Risks 26:59 Underestimated Geopolitical and Market Risks 27:46 AI CapEx and Cost Structure Risks 29:05 Microcap Liquidity and Institutional Flows 30:06 Signals of Institutional Interest in Microcaps 31:03 Fundamental Analysis for Microcap Selection 31:59 Emerging Themes in Microcap Space 32:49 Building Resilient Portfolios in Volatile Markets 34:10 Sector Opportunities in Rare Earths and Energy 34:52 Market Discipline and Investor Focus 35:52 Staying True to Investment Principles 37:04 Lessons from Market Crises and Capital Preservation 38:04 Aligning Portfolio with Investor Goals 39:00 Key Principles for Navigating Market Uncertainty 40:05 Final Thoughts and Contact Information Planet Microcap hosts the highest quality in-person microcap events in North America. The mission is to bring the best microcap investors, companies, and allocators together to gather, connect, and grow.; visit https://planetmicrocap.com/ to learn more about our Las Vegas and Toronto events. The purpose of this conversation is for informational and educational purposes only and should not be construed as a recommendation to purchase or sell any security. Planet MicroCap Holdings LLC and MicroCapClub LLC are not registered investment advisors. Planet MicroCap Holdings LLC, MicroCapClub LLC, its partners, contractors, members, subscribers, guests, and affiliates may or may not hold positions in one or more of the securities mentioned on this program and may trade in such securities at any time. Do your own due diligence and seek counsel from a registered investment advisor before trading in any security.

In this episode of the That Annuity Show, Nassau Financial Group's Chief Investment Officer, Joe Orofino, joins Tisa Rabun-Marshall and Mark Fitzgerald to discuss current economic trends and the factors shaping today's investment landscape. The conversation explores inflation, interest rate movements, and how developments such as artificial intelligence and global trade policies may influence markets, investment strategies, and consumer behavior. Listeners will gain perspective on market volatility, duration strategies, and the broader economic signals investors are watching. Learn more at http://www.thatannuityshow.com

Want to Learn about having "you're own" ITR Economist on your team?→ https://promotions.itreconomics.com/en-us/insights-from-itr-economics Don't miss our Executive Webinar on March 20th→ https://itrondemand.com/store/product/profitless-prosperity This week on Fed Watch, ITR Economist and Speaker Lauren Saidel-Baker breaks down the latest inflation data and what it means for the Federal Reserve's next move. With CPI and Core CPI still running above the Fed's target, inflation remains stubbornly persistent, raising new questions for businesses and consumers alike. Lauren also examines how rising geopolitical tensions and potential disruptions in global oil supply could influence energy prices and consumer budgets. While the impact may be temporary, the combination of higher energy costs and growing electricity demand from AI and data centers could complicate the Fed's path toward rate cuts. What does this mean for inflation trends, business planning, and the likelihood of interest rate relief this year? Watch the full episode to understand the forces shaping the economic outlook and what to watch next. 00:02 – Inflation remains sticky: CPI and Core CPI update 00:42 – Middle East tensions and risks to global oil supply 02:12 – How higher energy prices impact consumers 03:25 – Why energy costs matter less than they used to 04:05 – AI, data centers, and rising electricity demand 04:45 – What sticky inflation means for Fed rate cuts 05:30 – Other economic data: GDP, housing, and labor market

In this episode of the Market Maker Podcast, we break down a rare six-sigma oil market shock - a move so extreme it statistically should happen only once every four million years. Crude oil surged from around $70 to $120 during geopolitical tensions before rapidly reversing, catching some of the world's largest hedge funds off guard.We discuss what drove the volatility, why hedge funds lost billions, and how oil prices feed directly into inflation, interest rates, and global macro markets.(00:00) Introduction(01:20) The Oil Price Shock Explained(05:23) The “Six Sigma” Market Move(07:20) The Realities of Trading Commodities(09:18) How Trade is Impacted by War(14:24) The New Iranian Supreme Leader (16:45) Strategic Oil Reserves & Market Impact(29:10) Oil, Inflation & Interest Rates(32:29) Hedge Funds Feel the Pain

Former AFL star Chris Judd has become a fund manager specialising in 'small cap' stocks: No surprise, he's got some clear views on the share market and what investors should be doing as higher interest rates loom. Chris Judd of the Cerutty Macro Fund joins Associate Editor - Wealth, James Kirby, in this episode .In today's show, we cover: The share market according to Chris Judd How Judd's Cerutty Macro Fund finds stocks The stocks he is concentrating on in 2026 A once-in-blue-moon Money Puzzle footy tip! See omnystudio.com/listener for privacy information.

War headlines are everywhere - but what could global conflict actually do to interest rates?In this episode, the team breaks down how the US-Iran conflict, rising oil prices, and global economic uncertainty could affect inflation, the Reserve Bank's decisions, swap rates, and ultimately the interest rates Kiwis pay on their mortgages.Tune into Markets, Mystics and Mayhem to learn moreFor more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Rising oil prices and market turmoil as a result of the war in the Middle East are fuelling fears the cost of living crisis could get even tougher. Energy bills, mortgage rates and petrol prices could all surge in the fallout from the conflict. So how much could the war tighten the screws on our personal finances? Lucy Hough speaks to the deputy editor of the Guardian's money section, Rupert Jones – watch on YouTube How will war in the Middle East affect your finances?. Help support our independent journalism at theguardian.com/infocus

In this episode, host Quentin Edmonds interviews Daryl Correia, a full-time real estate investor who specializes in virtual wholesaling and property flipping. Daryl shares his journey from working in the automotive and RV industries to becoming a successful real estate investor. He discusses the importance of believing in yourself, learning through experience, building strong relationships, and adapting to changing market conditions. Daryl also introduces his new platform, Quixsale, designed to help real estate investors find deals and connect with essential business partners in one place.   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   —--------------------

On this episode, Carlo Finotti explains why owning just one rental property can actually be riskier than owning several.When you only have one property, a major repair or a few months of vacancy can wipe out your cash flow for years.Carlo shares how building a portfolio of multiple rentals creates a safety net, where income from other properties can help cover unexpected expenses. Carlo also talks about the two challenges investors face when buying their second rental. The money side and the mental side.He explains how he overcame both and how adding more properties allowed him to benefit from economies of scale and reduce risk across his portfolio.We also talk about how many doors Carlo had before he finally felt comfortable with repair risk, how his perspective has changed as his portfolio has grown, and the worst thing that has happened to him as a rental property investor.https://rentalincomepodcast.com/episode564Thanks To Our Sponsors:Ridge Lending Group - Making the investment mortgage process simple and stress-free. Sign up for a free 30-minute investor strategy session.MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (5% Interest Rate & 5% Management Fee For 5 Years).Fundrise Income Fund - The Fund offers access to a diversified portfolio of cash flowing assets, all professionally managed by their expert team.Rental Accounting Software Made Easy. Free 30 Day Trial.

Episode #960====Sign up for the Ron & Don Newsletter to get more information at⁠⁠www.ronanddonradio.com⁠⁠ (http://www.ronanddonradio.com/)====To schedule a Ron & Don Sit Down to talk about your Real Estate journey, go to⁠⁠www.ronanddonsitdown.com⁠⁠ (http://www.ronanddonsitdown.com/) ====Thanks to everyone that has become an Individual Sponsor of the Ron & Don Show. If you'd like to learn more about how that works:Just click the link and enter your amount at⁠⁠https://glow.fm/ronanddonradio/⁠⁠⁠⁠RonandDonRadio.com⁠⁠ (https://anchor.fm/dashboard/episode/ea5ecu/metadata/RonandDonRadio.com)Episodes are free and drop on Monday's , Wednesday's & Thursday's and a bonus Real Estate Only episode on Fridays.From Seattle's own radio personalities, Ron Upshaw and Don O'Neill.Connect with us on Facebook⁠⁠Ron's Facebook Page⁠⁠ (https://www.facebook.com/ron.upshaw/)⁠⁠Don's Facebook Page⁠⁠ (https://www.facebook.com/theronanddonshow

How higher interest rates are impacting farming. Farmers who raise deer are at odds with the state of Minnesota. Organic farmers weather a tough ag economy. Cut flower industry blooms in South Dakota.

Cleveland Fed President Beth Hammack sat down with Bloomberg's Michael McKee for an exclusive interview to discuss the two-sided risks with rates, as well as the latest jobs numbers being a disappointment despite a "stabilizing" labor market.See omnystudio.com/listener for privacy information.

Conflict in the Middle East, a surge in oil and gas prices, and a surprise drop in US payrolls – it's been a turbulent week for the global economy.In the latest episode of The Weekly Briefing, Capital Economics Group Chief Economist Neil Shearing joins David Wilder to discuss what the spreading Middle East conflict and sharp spike in energy prices mean for global growth and inflation, and why the latest US jobs report may not signal a major slowdown.Later, Senior Climate and Commodities Economist Kieran Tompkins explains the scale of disruption in global oil and gas markets, whether alternative supply can offset the shock and what the longer-term implications could be for energy markets.Read all our key insight into the Middle East conflict here:https://www.capitaleconomics.com/key-issues/iran-conflictGet in touch for a trial to our platform:podcast@capitaleconomics.com

These are very early days in the Iran war and the impact on share markets is far from clear. But already we can see there is upward pressure on interest rates around the world, there is also a clear risk of an inflation spike due to oil supply. Will Hamilton of Hamilton Wealth Partners joins Associate Editor, James Kirby in this episode. In today's show, we cover: Why the Iran war will push rates higher The bull market for global shares is now under serious pressure How AI is especially vulnerable to increased energy prices Private credit is a flash point in a volatile market See omnystudio.com/listener for privacy information.

Today, Clark explains the confusion around how various interest rates are set, from savings & CDs, to credit cards and car loans. He explores the "K-shaped" economy, where a flood of cash into savings and CDs drives down returns – even at online banks, and how the "convenience trap" can cost consumers thousands on all kinds of loans. Also, good news at the grocery store: the "store brand revolution" is working. After years of price hikes, name brand giants are finally slashing prices on snacks to win back customers. How Interest Rates Are Set : Segment 1 Ask Clark: Segment 2 Groceries: Big Brand Price Cuts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: My 7 Rules for Using Credit Cards - Clark Howard Best Place to Get a Car Loan - Clark Howard How To Buy a House in 9 Steps - Clark Howard NYT: After Years of Increases, PepsiCo Pledges to Cut Prices on Snacks Are Car Wash Memberships Worth It? - Clark Howard What Is Umbrella Insurance and Do You Need It? - Clark Howard 5 Ways To Start Living Below Your Means - Clark Howard The 7 Money Habits of People Who Become Wealthy - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Commercial mortgage rates are elevated.Underwriting standards are tightening.And a $1.2 trillion commercial real estate maturity wall is approaching in 2026/2027.So why are banks rejecting even “clean” CRE loans?In this episode of the Do You Ever Wonder Podcast, Mike Haltman sits down with Stuart Gelb, President of The Liquidity Source, to break down what's really happening inside today's commercial mortgage market.If you are a borrower, investor, broker, or real estate professional, this is a critical update on the evolving commercial lending landscape.

On this episode, Seamus Nally shares a powerful lesson every investor eventually faces: if it's not working, pivot.Seamus originally set out to build a portfolio of student rentals. The plan made sense. The numbers worked. The demand was there. Then the university expanded its own housing and the student demand he was counting on dried up. Instead of digging in and hoping things would turn around, Seamus made a bold move.He pivoted and began renting rooms to residents in an addiction recovery program. When new challenges surfaced with that strategy, he adjusted again, eventually transitioning the property into a traditional long term rental. By then, market rents had risen and the deal that once struggled was suddenly producing strong, stable cash flow.We also talk about what it's like investing alongside family, as Seamus partners with his brothers on their properties.Plus, we get into one of the most overlooked investing advantages: building strong relationships with neighbors. Seamus explains how being proactive and communicative has not only protected their properties, but has also led to off-market deals and neighbors acting as extra eyes and ears. https://rentalincomepodcast.com/episode563Thanks To Our Sponsors:MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (5% Interest Rate & 5% Management Fee For 5 Years)Fundrise Income Fund - The Fund offers access to a diversified portfolio of cash flowing assets, all professionally managed by their expert team.Ridge Lending Group - Making the investment mortgage process simple and stress-free. Sign up for a free 30-minute investor strategy sessionRental Accounting Software Made Easy. Free 30 Day Trial.

How do you get your offer accepted without overpaying?In this episode, we break down real buyer strategies that are working in Tacoma, Puyallup, Lakewood, Gig Harbor, and across Pierce County. From writing stronger offers to understanding seller psychology, we explain how buyers can compete strategically instead of just throwing more money at a deal.If you're buying a home in Tacoma or anywhere in Pierce County, this episode will give you practical tools you can use immediately.Thinking about buying? Reach out for a custom breakdown of what's happening in your specific neighborhood, and make sure to check out the Market Update episode with Dave from February 20th!Breakdown: 00:00 Introduction to Home Buying Strategies02:13 Celebrating Black History Month05:57 Current Market Trends and Buyer Questions09:47 Winning Strategies for Home Buyers12:05 The Impact of Interest Rates on Buying Decisions15:39 Navigating the Market: Opportunities for Buyers16:00 Navigating Buyer Frustrations17:17 Crafting Competitive Offers19:03 Adapting to Market Changes20:39 Strategies for First-Time Buyers22:32 Understanding Backup Positions24:26 The Importance of Agent Relationships26:14 Overcoming Market Mindsets28:16 Financing Conversations Made Easy29:55 Fast Food Favorites: Taco Bell vs. Others32:39 Music and Mental Health: The Power of Working Out35:28 Cultural Insights: Japan's Convenience Stores and SnacksResources:Spencer Eiseman on LinkedIn - https://www.linkedin.com/in/spencer-eiseman/Spencer Eiseman on Instagram - https://www.instagram.com/spencer_eiseman/Website - https://spencereiseman.com------------------------------------------

Farm equipment sales are showing the effects of a softer farm economy, but there are signs that 2026 could offer a more stable outlook. At Commodity Classic in San Antonio, RealAgriculture’s Bernard Tobin caught up with Curt Blades, senior vice president of the Association of Equipment Manufacturers (AEM), to discuss the factors shaping the equipment... Read More

In this episode of Futures Edge, Jim Iuorio, Bobby Iaccino, and Michael Arnold break down the current state of the markets as geopolitical tensions ripple across asset classes.The discussion focuses on crude oil, gold, silver, and Bitcoin, examining how military conflicts and global instability are influencing inflation expectations, interest rates, and investor sentiment.They also analyze key stock performances, including Nvidia, Tesla, and Oracle, and explain how shifting macro conditions are impacting equities. Throughout the episode, they emphasize the critical role of technical analysis in navigating volatile markets and managing risk during uncertain times.Timestamps:00:00 Introduction and Context of the Discussion01:33 Crude Oil Market Dynamics06:36 Geopolitical Implications on Oil Prices11:25 Military Perspectives and Market Reactions13:41 Gold Market Analysis19:25 Silver Market Insights25:11 Bitcoin's Role in Current Market Conditions27:43 Copper Market Trends and Analysis29:35 Interest Rates and Market Dynamics32:03 Inflation and Yield Movements34:23 Analyzing General Motors37:06 Market Indexes and Key Levels41:07 Stock Analysis: Nvidia and Others47:05 Evaluating Tesla and Oracle53:57 ServiceNow and Market StrategiesImportant Links to Follow:Newsletter: https://app.slice-app.io/p/traders/tGOrEACVVwS0e3WhgPUb4o9v2sX2 Shopify Podcast: open.spotify.com/show/60zQnUdSfZC43ZNoUJjTVp 

This week, Jason is joined by one of the most influential voices in American economics — Austan Goolsbee, President and CEO of the Federal Reserve Bank of Chicago!In a rare and time-sensitive episode, Jason goes straight to the source on what's happening in the economy right now — so timely, in fact, the Fed required the episode to be released before their next meeting. Austan breaks down what the Federal Reserve actually does (and what it doesn't), why Chicago has its own Fed, and how monetary policy decisions get made behind the scenes — from interest rates and inflation to employment and consumer spending.Austan also opens up about his path from University of Chicago professor to the White House, including how a personal connection with Barack Obama turned into a front-row seat during one of the most intense economic moments in modern history. He shares what surprised him most about policymaking in Washington, the pressure of making massive decisions with limited information, and why having diverse perspectives — your own “personal board of directors” — matters more than people realize.They get into why consumers still feel crushed by prices even when inflation cools, what's driving the strength of the economy, and why housing affordability may be the biggest long-term issue facing younger generations. Austan even reveals what he considers the ultimate trading secret — and why, despite everything that can go wrong in the world, long-term investing has historically rewarded patience and belief in human innovation.Austan reveals all this and more in another episode you can't afford to miss!Host: Jason TartickCo-Host: David ArduinAudio: John GurneyGuest: Corporate Bro Ross PomerantzStay connected with the Trading Secrets Podcast! Instagram: @tradingsecretspodcast Youtube: Trading SecretsFacebook: Join the GroupPebl hipebl.ai Pebl's AI-powered EOR platform simplifies building and managing teams in 185+ countries, enabling fast, seamless growth across bordersWayfair https://www.wayfair.com/ Wayfair is a leading online home goods and furniture retailer offering millions of products across décor, furniture, and housewares from thousands of global suppliers. It's built a technology-focused e-commerce platform that makes it easy for customers to find and buy items for every space in their home.Square square.com/go/[tradingsecretsSquare is a financial technology platform that provides businesses with point-of-sale systems, payment processing, and tools to manage operations, payroll, and online sales. Originally known for its easy-to-use card readers, Square now offers a full suite of software and services to help businesses run and grow.Rula https://www.rula.com/tradingsecrets Rula is an online mental health care platform that connects people with licensed therapists and psychiatric providers who accept insurance, often with low average copays. It offers flexible online therapy and support tailored to individual, couples, family, and teen needs

Kinsella on Liberty Podcast: Episode 484. Praxeology, Property Rights & Bitcoin with Stephan Kinsella | Bitcoin Infinity Show #192. With Knut Svanholm. Recorded Jan. 20, 2026. My shownotes and transcript below. Knut's Shownotes: Stephan Kinsella joins the Bitcoin Infinity Show to talk about why praxeology is the hardest science in economics, how Austrian theory explains Bitcoin's unique monetary properties, and whether you can truly own a Bitcoin or merely act as if you do. The conversation covers the foundations of property rights and natural law, the subjective nature of fungibility, and what a hyperbitcoinized future might actually look like. Kinsella and Knut also explore why intellectual property restrictions threaten the very knowledge accumulation that makes humanity richer over time. https://youtu.be/lN9p6ZjCHMY?si=zKXfeG8aqe2eoGfy Segments: 00:00 Welcoming Stephan Kinsella 01:19 Bitcoin and Austrian Economics 05:51 The Importance of Praxeology 11:45 Understanding Human Action and Scarcity 20:50 Hoppe, Mises, Rand, Rothbard 27:29 Means and Ends 35:35 Natural Law and the Non-Aggression Principle 51:31 Crime and Punishment 59:44 The Bitcoin of It All 01:15:46 Bitcoin and the Austrian Perspective 01:21:39 Understanding Bitcoin's Scarcity and Value 01:30:19 Bitcoin and Interest Rates 01:39:31 Visions of the Future 01:46:59 The Future of Bitcoin and Society 01:51:26 Hyperbitcoinization 01:58:11 Wrapping Up Shownotes (Grok) Here are the complete shownotes for the podcast episode, structured with topical headings exactly as they appear in the original shownotes you provided, plus the cleaned-up details from the transcript (speakers, key points, approximate timestamps, and a concise summary of each segment for clarity). Kinsella on Liberty Podcast: Episode 484 Praxeology, Property Rights & Bitcoin with Stephan Kinsella | Bitcoin Infinity Show #192 With Knut Svanholm Recorded: January 20, 2026 Shownotes Stephan Kinsella joins Knut Svanholm on the Bitcoin Infinity Show to discuss why praxeology is the hardest and most rigorous science in economics, how Austrian theory illuminates Bitcoin's unique monetary properties, and whether one can truly "own" a Bitcoin or merely act as if they do. The conversation explores foundational property rights and natural law, the subjective nature of fungibility, visions of a hyperbitcoinized future, and why intellectual property restrictions hinder the knowledge accumulation that drives human prosperity. Segments 00:00 Welcoming Stephan Kinsella Knut introduces Stephan, mentions first seeing him on Robert Breedlove's show discussing IP, shares his own journey into Misesian thought via Bitcoin, and notes writing a beginner's book on praxeology to connect with Mises Institute people. 01:19 Bitcoin and Austrian Economics Discussion of how most enter Austrian economics via libertarianism, but a subset discovers libertarianism/Austrianism through Bitcoin. Stephan shares his Swedish freedom-oriented background and how Bitcoin finally pushed him into deep Mises/Rothbard/Hoppe study. They critique why many Bitcoiners dismiss praxeology as "optional" and explore the corruption of economics into pseudoscience (positivism, econometrics) over the last 70 years, leading to widespread distrust. 05:51 The Importance of Praxeology Stephan explains praxeology as the systematic study of the logic of human action in scarcity—essential because economics is unavoidable for understanding exchange and trade. He confesses early skepticism toward praxeology/epistemology as unnecessary jargon but later appreciated Mises's need for precise terms (praxeology, catallactics). Critiques modern cranks who invent excessive terminology and praises Mises's restraint. 11:45 Understanding Human Action and Scarcity Core of praxeology: purposeful action in scarcity requires purpose + knowledge + scarce means under control. All economic categories (profit/loss, opportunity cost, success/failure) are logically implied in action. Austrian economics unpacks this rationally; modern economics errs by forcing empirical/positivist methods (hypothesize-test-falsify) onto human action, which is misguided. Knut shares his school experience: hard sciences were about understanding, social sciences about memorization and unexamined "why"—praxeology felt like the true hard science for social phenomena. 20:50 Hoppe, Mises, Rand, Rothbard Hoppe's major contribution: bolstering Mises against Randian/Objectivist criticism of Kantian influence. Explains Randian aversion to Kant (skeptical interpretations), Mises's realist use of limited Kantian vocabulary (a priori categories), and how subjectivism in Austrian economics means value tied to purposeful action—not relativism. Hoppe shows praxeology bridges subjective experience and objective causal reality. Rothbard as Aristotelian/Thomist hybrid comfortable with Mises. 27:29 Means and Ends Exploration of hybrid subjective-objective nature of means and ends (rain dance example: subjectively believed, objectively ineffective). Hoppe on no intrinsic characteristics of goods—value depends on actor's valuation (links to Bitcoin fungibility debate: fungibility is subjective; nothing is perfectly fungible, but we treat units as homogeneous). Discussion of acting to shape future universes, competition, and skepticism of quantum multiverse ideas. 35:35 Natural Law and the Non-Aggression Principle Foundations of natural law/NAP: emerge from social living, empathy, division of labor, but scarcity creates conflict potential. Possession = factual control; ownership/rights = normative support justifying force against violators. Law guides when force is justified to stop aggression. Core private law rules: self-ownership, homesteading, contract. Psychopaths treated as technical problems (like lions)—not reasoned with if unresponsive. Hoppe's ATM robber anecdote illustrates occasional moral persuasion vs. force. 51:31 Crime and Punishment Rothbard's Ethics of Liberty: proportional punishment (up to double damage theoretically acceptable, but rarely applied). Stephan clarifies proportionality is required but not mechanical—subjective factors, doubt favors victim, juries/context needed. No formula fits every case; practical justice requires flexibility, burdens of proof, custom. Complexity of unseen harms (e.g., ongoing theft like taxes worse than one-time). Lysander Spooner highwayman analogy. 59:44 The Bitcoin of It All Knut's insight: Bitcoin scarcity via private key secret—control by keeping knowledge hidden, not true "ownership" of data (IP angle). One acts as if owning due to improbability of key compromise or protocol change. Stephan agrees: money only needs to be "good enough"; Bitcoin ~96% good money (better than gold/fiat flaws). Control via key better than physical possession—almost perfectly enforced "law." Gun-to-head scenario: attacker can't know total holdings. 1:15:46 Bitcoin and the Austrian Perspective Bitcoin as abstract ledger entry valued subjectively. Network effects + first-mover advantage. Regression theorem not violated—initial use value collectible (pizza transaction). Human action behind nodes/miners—anti-lie machine making cheating costlier than following. Tendency toward one money due to barter problems; Bitcoin's crypto advantages + longest chain/time make it dominant. 1:21:39 Understanding Bitcoin's Scarcity and Value Knut's "oneshot principle": absolute scarcity + decentralization was a discovery; replicating resistance to replication knowingly is pointless. Bitcoin = "chess" of money—network lock-in. Forks (Cash/SV) fail because changes (e.g., larger blocks) increase node costs → faster centralization. Plan B stock-to-flow model critiqued as subjective value makes predictions unreliable; Bitcoin price can rise indefinitely with productivity ("everything / 21M"). 1:30:19 Bitcoin and Interest Rates Saifedean Ammous's storage-cost theory: in gold standard, very low interest rates could make lending (even negative) preferable to holding due to storage costs. Stephan: plausible for gold (physical costs/risks), but Bitcoin holding cost near-zero → likely always positive interest. In Bitcoin world, artificial low rates vanish; natural rates possibly higher, lower time preference, less borrowing for consumption, more saving/investing. 1:39:31 Visions of the Future Knut: scaling via fewer transactions (bundling, trust, lifetime subs), less consumerism, quality over quantity, less materialism. Expensive to be poor in fiat; Bitcoin incentivizes trust/family-like exchange. Lightning/sub-satoshis handle divisibility—no need for protocol decimal changes. Off-chain trust reduces on-chain load. 1:46:59 The Future of Bitcoin and Society Post-plateau: diversification needed (can't hold 100% money due to risk). Productivity gains (3–15%+ in freer Bitcoin economy) still incentivize hodling/saving. Ever-decreasing supply (losses, burning) + rising demand → perpetual upward pressure. Combined with AI/robotics → unimaginable abundance if survived. 1:51:26 Hyperbitcoinization Gradual like English becoming Europe's second language—younger generations adopt naturally. Cycles for decades, then up forever until fiat dies. Reduces war funding (fiat enables). Hope rational; logic-driven, not activism-dependent. White Pill parallel: authoritarianism collapses under own weight. Long-term optimism for human future. 1:58:11 Wrapping Up Stephan promotes his IP work, libertarian book, upcoming Rothbard 100 essays (March 2 release), Universal Principles of Liberty project, Property and Freedom Society Bodrum meeting (September). Bitcoin conference mentions (BTC Prague, El Salvador, potential Helsinki BTC Hell). Mutual appreciation, plans to meet, end with thanks. Let me know if you'd like any section expanded, condensed, or additional details (e.g., key quotes per segment).

Interest Rates just hit a 3.5 year low. Should you refinance now or wait? Are you considering refinancing your current mortgage to pay off debt, lower your mortgage payment, get rid of PMI or just get better loan terms? How do you know when is the right time? In this episode, we discuss the current mortgage interest rate environment and when it makes sense to refinance your mortage.Ready To Refinance? Start HereJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

Send Us A Message! Let us know what you think.In this episode of New Zealand Property Insights, Paul and Debbie Roberts unpack the stark warnings from the recent New Zealand Economic Forum regarding the future of NZ Superannuation. With an aging population and changing economic data, relying solely on the government for retirement is becoming an increasingly risky strategy.In this episode, Paul and Debbie cover:The Superannuation Squeeze: A breakdown of why the retirement age may need to rise to 72 or 73 for the country to afford the Superannuation Bill. The hosts discuss the dropping dependency ratio and the alarming fact that 40% of Kiwis reach age 65 with little to no private savings.Reserve Bank Outlook & Interest Rates: With the OCR sitting at 2.25%, the Reserve Bank has indicated that mortgage rates may only fall a further 20 to 30 basis points. Paul and Debbie discuss why 70% of borrowers are now choosing to fix their mortgages for at least one year and how to structure loans in a flat-to-rising market.MBIE Landlord Compliance Crackdown: A recent sweep of 53 student rentals in Dunedin resulted in 23 warnings and 12 improvement notices. Discover why taking a planned, preventative approach to maintenance and documenting everything is essential to protect your investment business.Whether listeners are planning for retirement or looking to ensure their rental properties remain compliant, this episode cuts through the noise to provide actionable, factual insights.Resource Links:

Amid widening conflict in the Middle East, our economist team held an online briefing first thing Monday to tackle some of the key questions that clients have been asking. In this edited clip from that briefing, you'll hear the team tackle issues, including:The extent of disruption to traffic through the Strait of Hormuz and the implications for oil and gas prices;The point at which rising oil prices would force central banks to slow or abandon policy easing;The dollar as a safe haven currency in this time of geopolitical upheaval;How this conflict could shape the economic outlook for the GCC economies;The likelihood that a change of leadership in Tehran could open the way for a deal with the US.With: Jennifer McKeown (Chief Global Economist), William Jackson (Chief EM Economist), David Oxley (Chief Climate & Commodities Economist), Jonas Goltermann (Deputy Chief Markets Economist). Note: This client briefing was held at 1000 GMT/1800 SGT on Monday, 2nd MarchSee our dedicated Iran conflict page below for more key analysis, and contact us at podcast@capitaleconomics.com to find out about access. https://www.capitaleconomics.com/key-issues/iran-conflict

In this week's episode of WSJ's Take On the Week, co-hosts Telis Demos and Miriam Gottfried are joined by Rob Kaplan, vice chairman at Goldman Sachs and a former Federal Reserve president, to break down some big topics in markets. They discuss the market's reaction to the Supreme Court's decision to strike down the Trump administration's tariffs under the International Emergency Economic Powers Act. Then Kaplan explains why investors are repositioning into "HALO" stocks—short for Heavy Assets, Low Obsolescence—like McDonald's, Walmart and ExxonMobil. After the break, the conversation turns to the Federal Reserve's new look at mortgage-market regulations and how freeing up bank capital could unleash funding in the housing market. Finally, Kaplan previews the March Fed meeting and the philosophical debate that will loom over the central bank under its potential new leadership: Should it wait to have inflation data in-hand or rely more on forecasting? This is WSJ's Take On the Week where co-hosts Telis Demos, Heard on the Street's banking and money columnist, and Miriam Gottfried, WSJ's investing and wealth management reporter, cut through the noise and dive into markets, the economy and finance—the big trades, key players and business news ahead. Have an idea for a future guest or episode? How can we better help you take on the week? We'd love to hear from you. Email the show at takeontheweek@wsj.com. To watch the video version of this episode, visit our WSJ Podcasts YouTube channel or the video page of WSJ.com Further Reading Supreme Court Strikes Down Trump's Global Tariffs Trump Said He Signed Order for 10% Global Tariff Trump Boosts New Global Tariff to 15% After Supreme Court Setback Wall Street's Latest Bet Is on ‘HALO' Companies With AI Immunity Walmart Shares Are Expensive AI Insurance For more coverage of the markets and your investments, head to WSJ.com, WSJ's Heard on The Street Column, and WSJ's Live Markets blog. Sign up for the WSJ's free Markets A.M. newsletter.  Follow Miriam Gottfried here and Telis Demos here.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Kathy Jones announces that she will be retiring soon and that Collin Martin, Schwab's Head of Fixed Income Research, will take over as co-host of On Investing. Liz Ann and Kathy also discuss the latest bout of volatility caused by future concerns around AI.  Then, Kathy is joined by Claudia Sahm, former economist for the Federal Reserve, former economist for the White House Council of Economic Advisors, and now chief economist for New Century Advisors. Kathy and Claudia discuss the path forward for the Federal Reserve, in terms of setting policy. They cover the state of the labor market, certain issues regarding the quality of the data produced, and the potential impact of AI on labor supply, among other issues. You can keep up with Claudia Sahm her on her Substack newsletter called “Stay-at-Home Macro.” On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting.  If you enjoy the show, please leave a rating or review on Apple Podcasts. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Past performance is no guarantee of future results. Investing involves risk, including loss of principal.  The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab.  Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. Diversification strategies do not ensure a profit and do not protect against losses in declining markets. The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions  (0226-GYWH) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, the Retire While You Work® team answers real questions submitted by listeners about the market, personal finances, retirement planning, tax strategy, and more.From navigating market volatility to making smarter long-term financial decisions, we're breaking down what matters most — clearly and practically.Have a question you'd like covered in a future episode? Leave it in the comments.

In the latest episode of BDO's Private Equity PErspectives Podcast, Host Todd Kinney sits down with Kyle Bethancourt, Co-Founder and Managing Partner at Sallyport Investments, and Eliot Kerlin, Co-Founder and Managing Partner at Broadwing Capital, to discuss:How tariff uncertainty and macro volatility shaped dealmaking in 2025Creative capital deployment strategies for a tight and competitive marketProprietary deal flow and operational value creation as a competitive edge in the lower middle market

Are "cheap" bank loans really cheap? And are you asking the wrong question about the rate of return? In this episode, we break down pages 68–70 of Becoming Your Own Banker and uncover the hidden cost of acquisition, why chasing higher returns misses the point, and how Infinite Banking can create true generational wealth.

It is a buyers market but interest rates tipped to rise, Nick Tuffley joins Kathryn.

Nick Disney reveals how owner financing, cash offers, and disciplined focus can create financial freedom while serving people with integrity and building long-term wealth in San Antonio, Texas.See article: https://www.unitedstatesrealestateinvestor.com/build-wealth-serve-people-live-free-through-real-estate-with-nick-disney/(00:00) - Welcome Back to The REI Agent Podcast(00:45) - Introducing Nick Disney and His San Antonio Focus(02:10) - The San Antonio Market Update and Post-Pandemic Shifts(04:05) - From Pharmaceutical Sales to Full-Time Investor(06:10) - How Sales Skills Translate Into Investing Success(08:15) - Managing Stress Through Fitness and Team Support(10:20) - Inside Nick's Business Structure and Team Roles(12:05) - Finding Off-Market Deals and Working With Agents(14:10) - Who Benefits From a Cash Offer and Why(17:00) - Inherited Homes, Hoarder Houses, and Emotional Relief(19:20) - Luxury Service Reframe of Cash Buying(21:00) - Exit Strategies Explained: Wholetail, Rentals, and Notes(23:15) - Owner Financing Versus Rent to Own(25:30) - Risk, Interest Rates, and Long-Term Commitment(27:05) - Growth Vision and Expanding Into Lending(28:40) - Funding Sources: Private Lenders and Investment Funds(29:50) - How Agents and Investors Can Collaborate(31:10) - Golden Nuggets for Agents and New Investors(32:20) - Recommended Books and Lending Education(33:00) - Where to Connect With Nick and Final Thoughts(33:12) - Disclaimer and Show OutroContact Nick Disneyhttps://www.sellmysanantoniohouse.com/https://www.facebook.com/sellmysanantoniohouseforcash/https://www.instagram.com/realestate_nick1/https://www.linkedin.com/in/nick-d-1564388a/https://www.youtube.com/@SellMySanAntonioHouse If this conversation stirred something in you, remember that wealth is not just built with properties but with discipline, honesty, and service. Nick Disney showed us that when you solve real problems for real people, financial freedom follows. Pick your lane, commit to mastery, and build with integrity. If you are ready to design a life that feels strong on the inside and secure on the outside, visit https://reiagent.comIs success destroying your peace? Most pros grind until they break. Download The Investor's Life Balance Sheet: A Holistic Wealth Audit to see if you are building a legacy or heading for burnout. Presented by The REI Agent Podcast & United States Real Estate Investor® https://sendfox.com/lp/m4jrl

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Tommy Brown!In this episode, we sit down with Cleveland, a real Rent To Retirement investor who shares how he went from qualifying for $150,000 to closing on a cash-flowing San Antonio rental property in under 30 days.After paying down debt and improving his ratios, Cleveland requalified for over $300,000 — and when new inventory hit the San Antonio market just 20 minutes from his home, he moved quickly.In this episode, we break down:• How he increased his buying power in 7 months• Why San Antonio's fundamentals (military presence, population growth, diversified workforce) made sense• How builder incentives helped secure a 5.75% interest rate• The advantage of buying a property with a tenant already in place (20+ months remaining on lease)• How he structured his down payment using a HELOC, life insurance, and reserves• Why he chose 25% down to reduce risk• How he closed in just 2.5 weeks• His plan to scale into Katy, TX and potentially FloridaCleveland now has built-in equity, long-term lease stability, professional property management in place, and a clear strategy to continue adding doors.If you're serious about building long-term passive income through rental properties, this episode provides a real, transparent look at how investors are succeeding in today's market.⏱ Accurate Episode Timestamps00:00 – Introduction & Cleveland's Investor Background01:14 – Initial $150K Pre-Approval & Improving Ratios02:18 – San Antonio Inventory Opportunity03:16 – First Investment in 20 Years04:19 – Tenant in Place + Two-Year Lease05:18 – Closing in 2.5 Weeks08:20 – Funding the Down Payment (HELOC + Life Insurance + Stocks)09:57 – 5.75% Interest Rate & Builder Incentives12:26 – Market Fundamentals & Risk Mitigation15:33 – Scaling Strategy: Texas & Florida Diversification20:01 – Advice to Investors: Take Action

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Tommy Brown!In this episode, we sit down with Cleveland, a real Rent To Retirement investor who shares how he went from qualifying for $150,000 to closing on a cash-flowing San Antonio rental property in under 30 days.After paying down debt and improving his ratios, Cleveland requalified for over $300,000 — and when new inventory hit the San Antonio market just 20 minutes from his home, he moved quickly.In this episode, we break down:• How he increased his buying power in 7 months• Why San Antonio's fundamentals (military presence, population growth, diversified workforce) made sense• How builder incentives helped secure a 5.75% interest rate• The advantage of buying a property with a tenant already in place (20+ months remaining on lease)• How he structured his down payment using a HELOC, life insurance, and reserves• Why he chose 25% down to reduce risk• How he closed in just 2.5 weeks• His plan to scale into Katy, TX and potentially FloridaCleveland now has built-in equity, long-term lease stability, professional property management in place, and a clear strategy to continue adding doors.If you're serious about building long-term passive income through rental properties, this episode provides a real, transparent look at how investors are succeeding in today's market.⏱ Accurate Episode Timestamps00:00 – Introduction & Cleveland's Investor Background01:14 – Initial $150K Pre-Approval & Improving Ratios02:18 – San Antonio Inventory Opportunity03:16 – First Investment in 20 Years04:19 – Tenant in Place + Two-Year Lease05:18 – Closing in 2.5 Weeks08:20 – Funding the Down Payment (HELOC + Life Insurance + Stocks)09:57 – 5.75% Interest Rate & Builder Incentives12:26 – Market Fundamentals & Risk Mitigation15:33 – Scaling Strategy: Texas & Florida Diversification20:01 – Advice to Investors: Take Action

Jacob Martinez is five years into a 10-year plan to build long-term wealth with rental properties, and he's thinking much bigger than just next month's cash flow. Jacob believes a decade gives neighborhoods time to improve, properties time to appreciate, and rents time to rise.While every property he buys must be cash flow-positive, he doesn't treat rental investing as a short-term game. For him, steady growth and smart positioning matter just as much as the monthly numbers.On this episode, Jacob shares how surrounding himself with experienced mentors has shaped his decisions and helped him avoid costly mistakes. We talk about how he's found strong deals by buying directly from sellers, how he came up with the money to purchase his rentals, and how he's navigated the challenge of rising property taxes without derailing his plan.Jacob also opens up about his nightmare first deal and what he learned from it, along with some of the wins that have kept him motivated.'If you're building a portfolio with a long-term vision and want to hear what the first five years can really look like, this episode is packed with practical insight and honest lessons from someone right in the middle of the journey.https://rentalincomepodcast.com/episode562Thanks To Our Sponsors:Fundrise Income Fund - The Fund offers access to a diversified portfolio of cash flowing assets, all professionally managed by their expert team.MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (5% Interest Rate & 5% Management Fee For 5 Years)Ridge Lending Group - Making the investment mortgage process simple and stress-free. Sign up for a free 30-minute investor strategy sessionRental Accounting Software Made Easy. Free 30 Day Trial.

A 2.75% interest rate deal in this market sounds impossible—until you hear how Chad Glover structured it. Chad joins Justin Tuminowski to unpack a real subject-to acquisition on a USDA loan, plus the strategy he's using to turn the property into co-living / rental-by-the-room for serious monthly cash flow. ➡️ Meet Pace on the Creative Nation Tour: https://bit.ly/GetCreativeNationTour ➡️ Download the Free SubTo A-Z e-book: https://subto.sjv.io/qzd0Vb  ➡️ Get the CRM that will take you further: https://www.gohighlevel.com/pace ➡️ Use Creative Listing for FREE to buy and sell creatively: https://bit.ly/CreativeListing ➡️ Join the SubTo Community: https://subto.sjv.io/RG6EDb ➡️ Become a Top Tier Transaction Coordinator: https://toptiertc.pxf.io/yqmoxW ➡️ Discover the Gator Method: https://gator.sjv.io/6yYWBG ➡️ Get to the SquadUp Summit Conference: https://bit.ly/GetToSquadUpSummit COMMUNITY MEMBERS! ➡️ Get Featured on the Get Creative Podcast: https://bit.ly/GetCreativeGuestForm Refer a Friend to SubTo: refer.nre.ai/subto Refer a Friend to TTTC: refer.nre.ai/tttc Refer a Friend to Gator: refer.nre.ai/gator PLUG IN & SUBSCRIBE Creative Real Estate Facebook Group: https://www.facebook.com/groups/creativefinancewithpacemorby Instagram: https://www.instagram.com/pacemorby/  YouTube: https://www.youtube.com/@PaceMorby TikTok: https://www.tiktok.com/@pacemorby  X: https://x.com/PaceJordanMorby The Pace Morby Show: https://www.youtube.com/@thepacemorbyshow

Reserve Bank of Australia deputy governor Andrew Hauser speaks to economics editor Patrick Commins and business and economics reporter Luca Ittimani about the 2025 surprises that led to the first interest rate rise in two years. Hauser also responds to last week's criticisms by Tim Wilson, the newly appointed shadow treasurer, that the RBA has not down enough to curb inflation. And we put to the deputy governor your audience questions about house prices, economic inequality and how shoppers can respond when they think companies are ‘taking the p'

Discover if interest rates are likely to drop or not. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring membership fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50%here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)  

In this conversation, Andy Weiner, founder and president of Rock Step Capital, shares insights into the shopping center investment landscape, focusing on secondary and tertiary markets. He discusses the importance of community factors driving growth, the impact of economic conditions on retail, and the significance of creating an engaging shopping experience. Weiner also elaborates on the philosophy behind Rock Step Capital, emphasizing agility and a strong company culture.   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   —--------------------

Stop believing the "convenient lie" that the market is the problem when the issue is a lack of strategy. The truth about mortgages reveals a shift in how the economic machine works.It is easy to believe a lie when things feel difficult, but the reality is that many agents simply do not know how to price property in today's climate. In this episode, we break down why the truth about mortgages is tied to a money supply issue that most professionals fail to understand. Success in real estate investing or sales today requires a mature acknowledgment of the facts regarding debt and interest rates.✅ Understanding the inflation impact on real estate is critical when $55 smoothies become the new norm and the money supply remains overextended. ✅ We examine Corelogic's revised housing market forecast through the lens of private equity buyouts and major industry shifts. ✅ Discover how zillow is taking over the real estate by indexing data and moving into the lead generation game while agents avoid prospecting. ✅ Learn how to succeed in real estate your first year or your tenth by moving away from "bow and arrow" tactics like just sitting in open houses. ✅ High-level real estate agent coaching is now a requirement to navigate the compression of buyer agent commission and shifting negotiation rules. ✅ Stop praying for a return to 2% rates and find out how to get more listings by becoming a dominant agent who understands the current economic reality.The probability of rates dropping significantly in the next 18 months is zero, so you must accept the truth about mortgages and adapt your business model to the 4 million transactions actually happening. You are only one relationship away from finding the strategy that works.#realestate #mortgages #housingmarket #zillow #inflation #realestateagent #economics #homelisting #interestrates #realestatetips

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz talk about the first cybercab rolling through the production line at Gigafactory Texas, the five companies who could benefit from eIPP selections taking place soon, and the Fed disagreeing with what to do with interest rates in 2026. ---

What's the state of the economy now? How much of the latest GDP growth is driven by capex? In this episode, Liz Ann Sonders and Kathy Jones discuss the release of the latest Fed minutes, mixed signals on inflation and unemployment, and weakness in the survey data itself.  Then, Liz Ann and Kathy are joined by Kevin Gordon, Schwab's head of macro research and strategy. Kevin shares his perspective on the overall backdrop in the context of the latest GDP report from the fourth quarter and the impact of tariffs. He and Liz Ann also discuss the various phases of the AI rollout. Additionally, they consider how slowing immigration and labor force growth could become structural constraints on long‑term GDP expansion. You can read the article that Liz Ann and Kevin wrote titled “Cascade: AI's Latest Phase” on Schwab.com. On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting.  If you enjoy the show, please leave a rating or review on Apple Podcasts. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Past performance is no guarantee of future results. Investing involves risk, including loss of principal.  Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. Diversification strategies do not ensure a profit and do not protect against losses in declining markets. The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions  (0226-EEP7)   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send a textIn this episode of Dishin' Dirt, I examine the exciting developments in the current state of housing affordability. I highlight the positive trends in interest rates and home prices, the local insights from South Carolina's housing market, and the impact of refinancing on the economy. Additionally, I address legislative efforts aimed at improving housing affordability, emphasizing the need for a supply-focused approach to tackle the ongoing challenges in the housing market.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.

Interest Rates vs. Mortgage Rates / Local vs. Online! Realtor - Lori Montieth with Keller Williams and Mortgage Professional -JoAnna Otero with Union Home Mortgage join forces to talk real estate and home buying! The in's-and-out's, the do's-and-don'ts, and the ups-and-downs! With over 40 years combined experience they bring it all to the table in a fun, casual, and informative way! To contact Lori: https://www.findchattanoogarealestate.com/ To contact JoAnna: https://www.uhm.com/jotero/ ===== THANK YOU TO OUR SPONSORS: Nutrition World: https://nutritionw.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ The Barn Nursery: https://www.barnnursery.com/ Optimize U Chattanooga: https://optimizeunow.com/chattanooga/ Guardian Investment Advisors: https://giaplantoday.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com/ Our House Studio: https://ourhousestudiosinc.com/ Team Montieth Real Estate - Lori Montieth: https://www.findchattanoogarealestate.com/ Ballinger and Associates - Risk Management: https://ballingerandassociates.com/ AirSpace Acoustics: https://www.airspaceacoustics.com/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

Thomas lives in a high-cost area where buying rentals locally simply didn't make sense for cash flow, especially as a newer investor with limited capital.Instead of forcing a bad deal in his backyard, Thomas made the decision to invest out of state.On this episode, he walks us through how he chose the markets he invested in and whether he physically visited the areas before buying.Thomas didn't just pick one market and hope for the best. Diversification was important to him, so he invested in three different areas. We talk about why he spread out his risk, how he found the properties, and why he focused on homes that needed rehab.He also explains how he built a team from a distance, including how he found contractors and property managers in multiple markets, and whether managing relationships in three different cities was as challenging as it sounds.If you're thinking about investing out of state but feel nervous about being far from your properties, this episode is packed with practical insight. Thomas shares what worked, what didn't, and how new investors can protect themselves from getting ripped off by contractors. This is a candid look at building a remote rental portfolio.https://rentalincomepodcast.com/episode561Thanks To Our Sponsors:Fundrise Income Fund - The Fund offers access to a diversified portfolio of cash flowing assets, all professionally managed by their expert team.MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (5% Interest Rate & 5% Management Fee For 5 Years)Ridge Lending Group - Making the investment mortgage process simple and stress-free. Sign up for a free 30-minute investor strategy sessionRental Accounting Software Made Easy. Free 30 Day Trial.

Guest: John Tamny. Using Elon Musk's ventures, Tamny illustrates that credit naturally seeks talent and innovation, arguing that Federal Reserve interest rates do not impact high-risk startups.

Senate Democrats are threatening a partial government shutdown unless Republicans agree to new limits on immigration enforcement by Friday's deadline.A protest at an ICE family detention center in South Texas turned confrontational as demonstrators demanded the release of a five-year-old boy and his father taken from Minnesota and held at the facility hundreds of miles away.And despite pressure from President Trump to lower interest rates, the Federal Reserve is holding steady to fight lingering inflation and rising prices.Want more analysis of the most important news of the day, plus a little fun? Subscribe to the Up First newsletter.Today's episode of Up First was edited by Kelsey Snell, Susanna Capelouto, Rafael Nam, Mohamad ElBardicy, and Alice Woelfle.It was produced by Ziad Buchh, Nia Dumas, Ava Pukatch and Christopher Thomas.We get engineering support from Neisha Heinis. Our technical director is Stacey Abbott.Our deputy Executive Producer is Kelley Dickens.(0:00) Introduction(01:58) Senate Funding Vote(05:41) ICE Family Detention Protest(10:28) Fed Holds Interest RatesLearn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy