Podcasts about mortgage

The traditional Labor Day holiday honors the history of the 40-hour work week, but the ultimate goal for modern investors should be achieving an Ownership Day. This episode breaks down the transition from trading time for money to building a portfolio that covers your true lifestyle needs through passive income. The conversation explores real-world commercial real estate strategies, specifically how high-income earners can use cost segregation to accelerate tax depreciation, offset ordinary income, and keep more capital deployed in active investments.Beyond tax strategies, the discussion outlines a four-decade framework for wealth building, starting from betting on your skills in your twenties to giving generously in your fifties. Listeners will also learn how to weigh the emotional and financial ROI of paying off a low-interest mortgage versus deploying inherited capital into higher-yielding debt funds and index funds. This comprehensive guide provides actionable steps for achieving financial peace of mind while scaling an all-inclusive lifestyle.KEY TOPICS DISCUSSED01:01:21 The history of Labor Day and the shift toward celebrating Ownership Day01:10:14 Achieving 100% passive income to cover true lifestyle needs01:16:10 How commercial real estate treats owners differently through accelerated depreciation01:17:09 Utilizing cost segregation studies to pull tax deductions forward to year one01:20:20 When to avoid cost segregation due to short hold periods and recapture risks01:28:16 Analyzing the emotional versus financial ROI of paying off a low-interest mortgage01:31:29 Diversifying inherited wealth across primary residence paydowns, the Imagos Income Fund, and index funds01:37:50 The four decades of investing: building skills, buying assets, deploying capital, and giving generouslyKEY TAKEAWAYSYou don't get your time back by negotiating shorter hours; you get it back by owning assets that pay you whether you show up or not.A dollar of tax deduction today is vastly more valuable than a deduction in 30 years, making cost segregation a powerful tool for commercial real estate owners.Cost segregation is highly effective for long-term holds but can trigger severe depreciation recapture penalties if the asset is sold too quickly.Peace of mind is a legitimate financial return; paying off a primary residence might not optimize a spreadsheet, but it can eliminate major stress.The twenties are for building income and skills, the thirties for converting income to ownership and prioritizing health, the forties for passive compounding, and the fifties for generous giving.CONNECT & TAKE ACTIONDiscover luxury home ownership in Orange County with exceptional value from the $600s to $3M at Skyline OC: Visit skylineocresidences.comAccredited investors seeking steady cashflow through first position asset-backed lending with a target 10% return can text "INCOME" to 844-777-1434 for the Imagos Income Fund presentationWant unbiased advice on your investment goals? Text your questions to 844-777-1434Love world-class wine, food, and hospitality? Text "NAPA" to 844-777-1434 to get on the private list for exclusive Napa Valley experiencesConnect with Mattie A on Instagram at @officialmattya

While we're out of the studio this week, we've collected a selection of great discussions from the past few months. First, we look beyond the alarming headlines surrounding Social Security to explain what the projected shortfall could mean for Gen X — and how investors can prepare for an uncertain outcome without assuming their benefits will disappear.Then we answer a listener's question many homeowners are asking: If you've locked in a 3% mortgage, should you stay put or move anyway? Sometimes the best financial decision isn't the right decision for your lifestyle. After the break, we break down one of the newest savings opportunities for families: Trump Accounts. Who qualifies for the new government-funded accounts? How do they work? And where might they fit alongside other long-term savings strategies for children and grandchildren? We'll separate the headlines from the practical considerations.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — September 5, 2026  |  Season 40, Episode 36Timestamps and Chapters1:51: Will Social Security Be There for Gen X?13:37: Is Now the Wrong Time to Move?24:24: A New Way to Save for the Next GenerationFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial.Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Are you making every payment on time but your credit card balance never moves? You're not managing debt — you're just managing cash flow. In the Season 13 premiere of Debt Free in 30, Doug Hoyes, explains the most dangerous moment in debt — when exhaustion sets in and you believe there's no way out. We break down why minimum payments keep you trapped for 83 years, how Buy Now Pay Later and consolidation loans just move debt around, and why homeowner insolvencies are rising as the real estate "escape ramp" closes. Featuring data from the latest Ontario insolvency stats and the Hoyes Michalos Homeowner Bankruptcy Index. CHAPTERS: 00:00 - The 83-Year Credit Card Payoff: The Most Dangerous Moment in Debt 01:22 - The Real Shift: From Trigger Events to Debt Exhaustion 03:45 - The Minimum Payment Illusion: Paying Interest, Not Principal 06:03 - The Traps That Keep You Stuck: Buy Now, Pay Later & Consolidation Loans 07:58 - The Numbers Don't Lie: Rising Debt in Ontario Insolvencies 11:51 - Joe Debtor Insights: Higher Incomes, Faster-Growing Debt 13:14 - Insolvency as a Lagging Indicator: Why Bankruptcies Are Rising 14:42 - Consumer Proposal vs Bankruptcy: Understanding Your Options 17:21 - The Homeowner's Dilemma: Why Your Equity Escape Ramp Is Closing 21:19 - Homeowner Bankruptcy Index: Homeowners With More Unsecured Debt 23:06 - 4 Key Questions to Ask Yourself About Your Debt Right Now 26:34 - Making a Deal: How a Consumer Proposal Actually Works 27:59 - Overcoming Embarrassment & What's Coming Next This Season  

“What Does This Market Mean For Your Money? Put Your Mortgage & Home Value to Work” by Jo Garner

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caMost homeowners talk about "the variable rate mortgage" like it's one single product, but it's actually two structurally different ones — and one of them has a hidden threshold called a trigger rate that quietly extended a lot of people's amortizations during the recent rate-hiking cycle. In this episode, I break down the difference between the two types, how you can actually get a rate hold on a variable rate mortgage (it's not the number you'd think), and why your one-time conversion privilege doesn't work quite the way most people assume. CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

In this episode, Rakhee Dhingra, CEO and broker of record of Mortgage Savvy, shares insights on Canadian real estate investing, mortgage strategies, and how to build wealth through strategic leverage and tax planning. Discover how Canadian investors approach property financing, deal sourcing, and long-term wealth building.     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   —--------------------

Every September, the insurance industry runs Life Insurance Awareness Month — and most of the advice sounds the same: buy term, protect your family, don't wait. That advice is correct. It's also, at best, half the story.Life insurance has two entirely different jobs depending on where you are in life. For a young parent with a mortgage and a new baby, it's the thing standing between "we'll be okay" and financial free-fall. For a business owner who's spent decades building something real, it's a liquidity and legacy tool that has almost nothing to do with dying too soon and everything to do with protecting what's already been built. Most people only ever hear about the first version. This episode covers both — plus a living-benefit feature almost nobody explains correctly, and the reason you should be skeptical the moment someone tells you they've "properly structured" your policy.By the numbers:Roughly 100 million American adults are uninsured or believe they need more life insurance coverage (LIMRA & Life Happens, 2025–2026 Insurance Barometer Study).Healthy young adults overestimate the true cost of term coverage by 10–12 times.Estate taxes are typically due within 9 months of death — often with little cash on hand to pay them.The average life insurance coverage gap is approximately $200,000 per U.S. household.The Foundation: What Term Life Actually Solves (~1:30)For young families, term life insurance isn't complicated and it isn't expensive — it's one of the most misunderstood products in personal finance, largely because people wildly overestimate what it costs. David breaks down why term, not whole life, is the right starting point for most families, how to calculate a real coverage number instead of relying on a lazy "10x income" rule, and the three mistakes that quietly leave families underinsured: relying on employer coverage alone, never revisiting the policy after major life changes, and cutting coverage because of sticker shock instead of shopping it properly."A healthy 35-year-old can often get $1,000,000 of 20-year term coverage for the cost of a streaming subscription or two per month."The Living Benefit Nobody Explains Correctly (~8:00)Here's the part of the episode that surprises almost everyone: modern life insurance can pay out while you're still alive. Drawing on his CLTC (Certified in Long-Term Care) designation, David explains how a long-term care or chronic illness rider lets you access a portion of your death benefit if you survive a stroke, a serious diagnosis, or another disabling health event — the kind of moment traditional life insurance does nothing for, because nobody died. This isn't a retiree-only conversation; it's relevant the moment you have a family depending on your income."Don't just ask 'how much life insurance do I have?' Ask 'what happens if I get sick and don't die?'"Not sure what's actually in your policy? If you don't know whether your coverage includes living benefits — or whether it still fits your life — that's a five-minute conversation, not a five-month project. Book your free Vision Call.When Life Insurance Becomes a Business Strategy (~14:30)For business owners, life insurance stops being a safety net and starts being a strategic tool. This segment covers two scenarios every co-owned business needs to plan for: a properly funded buy-sell agreement that lets a surviving owner keep control of the business instead of unexpectedly co-owning it with a deceased partner's estate, and key-person insurance that funds the runway to recover if someone critical to revenue is suddenly gone."If my partner died tomorrow, what happens? In most cases, their ownership stake doesn't just evaporate."Estate Liquidity: The Wealth Trap Nobody Warns You AboutYou can be genuinely wealthy and still face a liquidity crisis the moment you die. When a large share of net worth is tied up in a business, real estate, or concentrated stock, an estate tax bill can come due with almost no cash available to pay it — forcing a rushed sale of assets at a discount. David explains how life insurance, often held inside an irrevocable trust, creates exactly the liquidity needed to pay that bill without touching the underlying assets — and how it can be used to equalize an inheritance when one child takes over the business and the others don't.Curious how ready your business actually is for a transition? Get your free Sellability Score.The "Properly Structured IUL" Red Flag (~21:00)Permanent insurance — including indexed universal life (IUL) — has a legitimate use as a tax-advantaged savings and growth vehicle, for the right person, in the right situation. But David draws a hard line around a specific phrase circulating on social media: "properly structured IUL." If someone leads with that phrase, treat it as a warning label, not a credential. This segment covers what illustrated vs. guaranteed rates actually mean, why "no market losses" isn't the whole picture, and the one question to ask before you ever sign an IUL application."When someone leads with the phrase 'properly structured,' that's usually the tell, not the reassurance."Frequently Asked QuestionsHow much life insurance do I actually need?A useful starting framework is DIME — Debt, Income, Mortgage, Education — which totals what it would take to eliminate debt, replace income for a meaningful runway, pay off the house, and fund your kids' education. It's a strong starting point, but a real needs analysis that reflects your specific family and goals will always beat a formula.What's the difference between term and permanent life insurance?Term life covers you for a defined window at a much lower cost. Permanent insurance (whole life or IUL) lasts your entire life and builds cash value, but costs significantly more and serves a different purpose: savings, estate liquidity, or wealth transfer rather than pure income replacement.What is a long-term care or chronic illness rider?It's a feature that lets you access a portion of your death benefit while you're still alive if you experience a qualifying health event — a stroke, a serious diagnosis, or a need for long-term care. It addresses a risk traditional life insurance ignores entirely: surviving, but with a serious financial disruption.What is a buy-sell agreement and why does my business need one?A buy-sell agreement is a contract, funded by life insurance, that determines what happens to a business owner's stake if they die. Without one, that ownership stake typically passes to the deceased owner's spouse or estate — leaving the surviving owner unexpectedly co-owning the business with someone who may not want to run it, and may need cash instead.Is "properly structured IUL" a real thing, or a red flag?IUL can be a legitimate planning tool, but the phrase itself — used as a blanket reassurance on social media — is usually a sign to slow down. The real question isn't whether it's "structured properly," it's whether you've seen the guaranteed rate, not just the illustrated one, and whether the person recommending it is held to a fiduciary standard.Wherever you landed in this episode — that's exactly what a Vision Call is for. Whether you need your first policy or a real review of what you already have, it's a free 20-minute conversation, not a sales pitch. Book your free Vision Call.

Mark is joined by Stuart "Stuie" Rosenblum, owner of Stuart's American Mortgage Corporation, to discuss the current state of interest rates, mortgage options for homebuyers, and strategies for home equity financing. They also briefly touch upon breaking local news regarding a Missouri Supreme Court ruling on congressional redistricting maps.

Are you a bystander in your own financial journey? Do you feel yourself being swept away by the crowd when it comes to determining your financial future? Dave and Reb challenge listeners to question the time and energy that is spent listening to social media and addictions instead of listening to God. On episode #497 of “Let's Talk Money with Dave and Reb”, the co-hosts encourage returning to the scriptural mandates of serving and honouring God with our money rather than moving with the crowd away from what we are called to. Today's episode is sponsored by the Canadian National Christian Foundation which helps Canadians connect God's money with God's work. Through their Donor-Advised Funds, CNCF makes giving simple and impactful, so you can focus on supporting the causes that matter most. Learn more about how they can help you CNCF.ca To order Reb's book Cultivating Trust Expanded Edition: Finding God's Hope and Freedom for Your Finances, go to https://www.amazon.ca/dp/1998412164/ref=sr_1_3?crid=XUVAMAN0TFEY&dib=eyJ2IjoiMSJ9.8x0mkzEbAurMet_Q02DjC1uI9_HBqWQlnPySUgf62Ik9smNv5IQUJVSYBOXp4dhvsmfU3vzJivqJWwrvkTfyLe4uDWay18JChGQ1QWENY4FXHjdhLEkWMLQT8BHP9Lz18vRbIHFrvkyO6ocnHFx7rS2jtZ7WVzmIhw0U7cFRtGtRdvaw7gj3W2qigq_7EBTDZBOEfMVxxeuk405kn921-o-irE3XdWX2KrJ8e0G9W1usTiTi2j-EANx4MC_ygttzlzwj_1qmQC8MCk5LxF6jXTDr1ETe1v3O1q5o0rO4H2g.pybaC103ktXcDYR0puZtPXOBpswpMjPmU0vYc-KTAnc&dib_tag=se&keywords=cultivating+trust&qid=1732127878&sprefix=cultivating+trust%2Caps%2C117&sr=8-3.

Mortgage rates could face new upward pressure as Treasury yields surge to their highest level since early 2025. Rising oil prices are fueling new inflation concerns, while investors are sharply increasing their bets on a September Fed rate hike. Kathy Fettke explains what's driving the bond market selloff, why the 10-year Treasury matters more to mortgage rates than the Fed's short-term rate, and what it could mean for real estate investors and the housing market.     Source: https://finance.yahoo.com/economy/policy/articles/global-bond-yields-surge-oil-100600156.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAK3iDWHxDOdFHWKwVyBdoDY2XZh2tGv7MSW5mWw6Xdp6n3vBqv65AROS2DL3s8CorQgItGfGC9A4eqM8L13ufmVEnWh4pPJxPp11z5nqqTYl6dIY01KXqzc7Zv-KcD5Iuq4qbcwEdGlvm6dyJU9MJb30A-QryuU8O2uDe8bRQ0Ya

When should you retire, and what might shape the years that follow? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase tackle listener questions about retirement planning, investing, retirement income, and the surprises life may throw your way. ·       Consider why retiring sooner may provide more time to enjoy healthy, active retirement years. ·       See what certain retirement stories may reveal about health, longevity, and planning for the unexpected. ·       Explore Wes's new book, The Retire Sooner Method, and his latest research on happy retirees. ·       Examine how rental property income may factor into retirement cash flow and diversification, along with the risks and responsibilities of owning real estate. ·       Weigh paying down the mortgage against keeping cash available for a future home or land purchase. ·       Meet what some refer to as the “boomer candy” of investing—buffered ETFs—and learn how their potential benefits, limitations, and risks may function. ·       See why sequence of returns risk may matter when you start withdrawing money in retirement. ·       Untangle the tax, diversification, and emotional considerations that may come with selling a concentrated stock position. ·       Navigate the investing, tax, and financial questions that may come with retiring abroad. Join Wes and Christa for real questions, relatable stories, and an educational look at the decisions that may shape retirement planning. **Listen and subscribe to the **Retire Sooner Podcast for more conversations about investing, retirement income, and the pursuit of an earlier, happier retirement. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mortgage rates are moving higher again, and first-time home buyers need to understand what's driving the change. Rising oil prices, renewed concerns about inflation, and fears that interest rates could stay higher for longer are pushing bond yields up, with mortgage rates following close behind.So how high could mortgage rates go? When could home buyers finally see lower interest rates? And what does all of this mean for home prices, housing affordability, and your ability to buy a home?In today's LIVE episode of The Educated HomeBuyer, we break down what's happening with mortgage rates, why oil prices and inflation matter to the housing market, and what first-time home buyers should be paying attention to before making an offer.If you're thinking about buying your first home, this episode will help you better understand the current housing market, mortgage interest rates, affordability, and how to prepare before you start shopping.✅ Are You Ready to Buy a Home?Take the “Am I Ready to Buy?” quiz:https://buyrightborrowsmart.com/quiz✅ Start Your Stress-Free Home Buying Journeyhttp://www.buyrightborrowsmart.com/startWatch This Next

AP correspondent Alex Veiga has the latest on mortgages rates.

The U.S. consumer is sending mixed signals. In this episode of Market Pulse, the Equifax Advisors examine the latest economic and credit trends, from persistent inflation and rising household pressures to changing debt, delinquency and HELOC behavior. They also explore the widening differences among consumers—and the leading indicators lenders should watch to identify risk and uncover opportunities for selective growth.

Mortgage rates jumped from 5.9% to 6.9% since the Iranian conflict began, and I break down the Fed data, jobs report, and oil prices driving the move, plus what it costs your purchasing power.

Mortgage brokers have reported a new trend of parents selling their houses to their adult children to get them on the property ladder, but what happens when there is more than one child in the family?Family wills are notorious for causing conflict among siblings, especially when it comes to what happens to the family home or the farm or the business after someone dies…Joining Ciara to discuss how to deal with family mediation and estrangement over wills is Family Mediator and author Sharon Morrissey and Psychotherapist specialising in Family Estrangement and Conflict, Karl Melvin.

On today's episode, Editor in Chief Sarah Wheeler talks with Joni Pilgrim about UAD 3.6 and how AI will continue to change the appraisal industry. Pilgrim was the co-founder and CEO of Nationwide Appraisal Network for 22 years until its recent sale and she now serves as the membership committee chair for the Florida Association of Mortgage Professionals. She is also the co-founder of Rise Women in Mortgage. Related to this episode: Appraisals and Valuations HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HousingWire Mortgage Banking Summit – October 1 More info about HousingWire Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Mortgage and real estate expert David Hochberg joins John Williams to explain what’s going on with Treasury yields, how the war in Iran has been impacting the economy, today’s ADP data, what is expected from Friday’s August labor report, and the risks and rewards of paying off your home with a HELOC. David hosts “Home […]

Mortgage rates are moving back toward 7%, and that could put even more pressure on Greenville's already rate-sensitive market. With affordability getting squeezed, homeowners locked into lower rates, and no clear path to meaningful relief, the slowdown could become much more noticeable heading into fall.As always, if you have any questions or comments (or, of course, need a realtor), feel free to reach out to Stan McCune directly by phone/text at (973) 479-1267 or by email at smccune@cdanjoyner.com

Are you actively creating sales opportunities, or are you waiting for business to come to you?While traveling through Greece and Albania, Ace noticed something that reminded him of a lesson he's learned throughout his career in sales and business: the people who generate business don't sit behind the counter and wait.They activate it.In this video, Ace breaks down what it means to become an "activator" in sales and how salespeople can create more opportunities using the resources already around them.From organizing and reworking old leads to reaching out to your network, using social media, sending emails and texts, asking for referrals, and finding new ways to get in front of prospects, there are opportunities everywhere when you're willing to create the activity.If you're in sales, business development, or entrepreneurship, this is a mindset you can immediately apply to your own pipeline.Topics Covered:• How to generate more sales• Creating your own sales opportunities• Sales prospecting• Lead generation• Building a sales pipeline• Following up with old leads• Sales activity and execution• Competing in today's sales market• Sales mindset• Business developmentSupport the show⚡READY TO BUILD A REAL CAREER IN SALES, MORTGAGES, OR LEADERSHIP?Apply here and choose your track. Already happy with your career? Grab the standalone products and trainings anytime inside the shop.

Mortgage and real estate expert David Hochberg joins John Williams to explain what’s going on with Treasury yields, how the war in Iran has been impacting the economy, today’s ADP data, what is expected from Friday’s August labor report, and the risks and rewards of paying off your home with a HELOC. David hosts “Home […]

Mortgage and real estate expert David Hochberg joins John Williams to explain what’s going on with Treasury yields, how the war in Iran has been impacting the economy, today’s ADP data, what is expected from Friday’s August labor report, and the risks and rewards of paying off your home with a HELOC. David hosts “Home […]

Mortgage and real estate expert David Hochberg joins John Williams to explain what’s going on with Treasury yields, how the war in Iran has been impacting the economy, today’s ADP data, what is expected from Friday’s August labor report, and the risks and rewards of paying off your home with a HELOC. David hosts “Home […]

Mortgage rates jumped toward 7% this week while a weak jobs report just moved the bond market. I break down why oil prices, inflation, and today's Fed data are pushing your rate around, plus how much house you can actually afford right now.

Vlad rants about nut allergies in children, working with Gen Z, lifes changing experiences, nightmare dating dinners, living gluten free & Aussies drinking rakija with ethnics. DNA DISTILLERY (AWARD WINNING RAKIJA)Award-Winning Rakija company with immaculate celebratory beverages. Check out the entire range on the below websites, order a tasting pack or some of their flagship, amazing rakija today!https://www.dnadistillery.comCARDSTRIKE! Amazing Basketball cards, Michael Jordan memorabilia and everything collectable sports card buying and selling!!!https://www.cardstrike.com.auROYAL STACKS! (IMMACULATE BURGERS)Melbournes Greatest Burgers!Royal Stacks is a booming burger chain in Victoria with classic burgers, shakes and more, with a 90s vibe and high quality food!https://www.royalstacks.com.auMETROPOLITAN STONE (Kitchens, Cabinets, Laundry, All Cabinets)We have a combined 30 years experience in the cabinet making industry in Victoria! Everything from small projects to large projects!Benchtop change overs, Kitchen facilities, Kitchens, Laundries, Bathroom cabinets, T.V units, Wardrobes etc!MENTION: VLADContact: MATT 0425797488Matthew@metropolitanstone.com.auhttp://www.metropolitanstone.com.auORANGE LEGAL GROUP (Specialising in Property law for purchasing and selling, conveyancing, in-house Mortgage broker & Chartered Account! One stop shop for ALL property needs! Wrap! FREE Contract reviews for buyers before purchasing property!Mention VLAD!https://www.orangelegalgroup.com.auEmail: property@orangelegalgroup.com.auContact: mycousinvlad@gmail.comhttp://www.instagram.com/mycousinvladSend Vlad a Text MessageSupport the showBE GOODDO GOODGET GOOD

SCAM ALERT: Could You Be the Next Victim? Our Entire Show Is Devoted to Scams! And your questions answered Thinking about buying? Selling? Or just wondering what your home is worth these days? The Louisville and Southern Indiana real estate market has a mind of its own. Some homes disappear faster than free pizza at the office, while others sit because they missed the mark on pricing or marketing. The good news? You don't have to figure it out alone. At We Sell Louisville, we believe buying or selling a home shouldn't feel like a game of chance. It should feel like having a trusted guide who's already walked the trail hundreds of times. That's where Bob Sokoler and The Sokoler Team come in. With decades of local experience (and more than a few stories along the way), Bob helps homeowners make smart decisions, avoid costly mistakes, and spot opportunities before everyone else catches on.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about mortgage spreads and stable housing data amid rising mortgage rates. Related to this episode: Housing demand has slowed, but still stable for now  HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HousingWire Mortgage Banking Summit – October 1 More info about HousingWire Top 5 Trending: The WSJ is wrong about FHA loans and nonbanks, and they know it Housing demand has slowed, but still stable for now  FHA expected to keep Classic FICO as it adds new models in January Redfin names former Meta, Intuit executive Alessio Sanfilippo as CEO Court keeps door open for Garg proxy fight Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Does buying a home still make sense in 2026? The housing market looks completely different than it did just four years ago. Mortgage rates are higher, home prices have increased, affordability is stretched, and in many markets renting is considerably cheaper than owning.In this episode of The Educated HomeBuyer, we take a step back from the monthly payment and look at the bigger picture. We break down how homeownership builds wealth over time through principal paydown, appreciation, leverage, and the ability to lock in a large portion of your housing costs with a fixed-rate mortgage.We also discuss the real renting vs. buying calculation in today's housing market, why time is such an important part of the equation, and why buying a home doesn't make sense for everyone. If you're a first-time home buyer trying to decide whether you should buy now, keep renting, or wait for mortgage rates and affordability to improve, this episode will help you think through that decision.Start Here

Real Estate Is a Business, Not a Gamble Why did Wayne Hillier choose real estate investing over stocks, traditional investments, or other ways of building wealth? Because Wayne never wanted to rely on simply hoping an asset would increase in value. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby answer two investor questions: why they chose real estate investing in the first place, and how to approach friends or family about becoming joint venture partners without making the relationship weird. Wayne explains the realization that changed how he looked at real estate: A rental property isn't just an asset. It's a business. You can buy a property for its ability to generate revenue, control expenses, create cash flow and build equity — without requiring the property value to increase for the investment to work. The second half of today's episode tackles another common investor roadblock: raising money. If you have a great deal but need a money partner, how do you ask your friends? Wayne and Gabby's advice is surprisingly simple: Stop being weird about it. Have the conversation.

Mortgage rates are climbing toward 7%, not the 5.99% many expected. I break down why: oil prices, global bond yields, AI debt, and the Fed's next move, plus what it means for your monthly payment.

Keith explores how real estate strategies have shifted from the 1980s to today and explains why investors need to adapt deal structures to changing interest rates, lending conditions, and market cycles.  He highlights current opportunities in new construction and builder rate buydowns, along with the long-term benefits of fixed-rate debt.  Keith is joined by economic futurist and author Richard Vague, who challenges conventional beliefs about inflation and interest rates and explains how government intervention, war, and supply constraints shape asset prices and leverage decisions. Together, they provide a big-picture framework for understanding how today's macro environment affects real estate investing decisions. Episode Page: GetRichEducation.com/621 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. Learn how dramatically real estate has changed from the 1980s through the late 2020s. We'll be sure that your approach is changing with it. Then a great guest and I discuss how war and future calamities will affect mortgage rates, inflation, and your real estate today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Home Buyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that September 30th. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:35   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:51   Welcome to GRE from Cambridge, England, to Cambridge, Massachusetts, and across 188 world nations. I'm Keith Weinhold. You're inside Get Rich Education. You could be doing anything with your time. I'm grateful that you choose to listen to me every week. You know, real estate investors sometimes say, "Ah, there aren't any deals anymore. What they usually mean is the deal structure that they learned five years ago stopped working. There are always opportunities in real estate, but your approach changes with interest rates, lending standards, inventory, construction, government policy, and just the overall economic cycle. The best investors don't wait for yesterday's market to return. That's like someone still hoping for Blockbuster Video Store to reopen. They identify what today's market is offering instead. Just consider this historic retrospective on real estate investing from the Reagan administration to today, in 1981, the 30-year mortgage rate peaked above 18.6%. I mean, just imagine proudly telling your friends that you locked in at 17% before rates went higher. That mortgage needed its own defibrillator. By 1984, rates were still near 16%. The strategy then, the approach, was for a buyer to assume the existing owner's lower rate mortgage that they locked in a few years earlier, perhaps in the late 70s, that's how you got a good deal, assuming that existing owners lower-rate mortgage. You can't do that so easily today.   Keith Weinhold  3:50   By the late 80s and early 90s, the opportunity shifted from assuming attractive debt to buying distressed properties. The S and L crisis was upon us. Savings and loan failed lenders found themselves holding piles of distressed real estate, so investors bought foreclosures and REOs at discounts. They improved neglected buildings and then they repositioned them for income. You probably know that REO stands for real estate owned on a bank's balance sheet. All REO means is bank-owned property, but that's what you did. You found those, and then you scooped up a deal that way. As the 1990s progressed, interest rates declined, and loans also became really easy to obtain. We were tilting into the loosey-goosey easy lending environment. In the 90s, it was popular to buy an undervalued property, renovate it, raise the rent, and refinance it based on the improved value. That process later got a buzzy acronym and became known as the Burr strategy: buy, rehab, rent, refinance, repeat. By 2005, financing got more creative. This is when I was a new real estate investor. I remember obtaining what were known as 8015 five combo loans. This meant an 80% first mortgage, 15% second mortgage, and 5% down payment. You remember those? If you've been around for a while, you do. And see, this way you could avoid paying PMI, and you could control property with an astounding 20 to one leverage ratio due to that 5% down payment, but soon enough lending just got absolutely too creative and easy. The quiet lending party turned into a boisterous kegger, delivering the 2008 financial. crisis, and pretty soon I could no longer get any loans. From 2009 through the early 2010s, you could buy foreclosures and short sales at enormous discounts if you could find the loan.   Keith Weinhold  6:20   Financing was tough, but prices were super low. It might have even made sense to pay cash at that time. Fear was everywhere right after the global financial crisis. I mean, it really took courage to act when others were hiding under the bed. By 2020 and 2021, the opportunity changed from cheap property to cheap money. Mortgage rates dropped below an absurd 3% as a result of the COVID pandemic. You could lock up extraordinarily cheap debt for less than the inflation rate, and then let inflation nibble away at it like Pac-Man. Of course, a lot of us are still benefiting from that today, but that opportunity is long gone now. But it doesn't mean that deals are gone today. Where's the opportunity? One of the best ones is often found in new construction, large build. have got to keep moving their inventory as they build these homes because they have got to keep their crews busy. An unsold house for a builder-I mean-that produces as much income as an unplugged Bitcoin miner. Rather than make conspicuous price reductions, builders use their financial muscle to buy down mortgage rates for you, often in the 5% range or even lower.   Keith Weinhold  7:52   Builders might also offer you closing cost assistance, upgraded finishes, or other incentives that a single resale seller just can't match. So from the Reagan administration to today, over 45 years, the winning strategy just keeps morphing. It started out back then as assume the loan, over to buy distress, then to renovate and refi, then it was a creative financing wave, and then cheap debt, and today take the builders buy down. That's where we are. The mistake is deciding in advance what a deal is supposed to look like. The best deal structure changes, and of course, it's going to change again. The investor who keeps fighting the last war is always going to conclude that the opportunity has disappeared, but it hasn't. It's just changed clothing. Still, though, today's new purchases now-they're not as good as the deals that they were five years ago, but the best investors keep investing. They keep adding to their portfolio. It's what they've always done. Absolutely zero winning investors that are successful over time look back and say things like, "I didn't add anything to my portfolio during that 10-year span for this or that reason, the market changes, and you've got to adapt with it. That's a way to think about it. Take solace in knowing a few things. Deal structure changes over time are inevitable. And larger picture, you are investing in a product that is sustainable residential real estate in the form of long-term rentals. These entry-level properties are a scarce asset that people are going to continue to need. I mean, that's what we do here. Just compare. To the fads that we avoid around here, like NFTs, metaverse real estate, which we discussed on the show a few years ago, but said is highly dangerous, eye buying, value add apartment syndications, SPACs, or how about ICO funded altcoins? We don't chase the latest hot thing here at GRE. It is about what's sustainable, necessary, and cannot be easily disrupted by AI, and that's one reason that Get Rich Education is still standing strong after 52 episodes every year for almost 12 years now. Shortly, we're going to bring in a rather esteemed guest today on the future direction of interest rates and inflation. Interestingly, he believes that raising interest rates does not cool inflation, and that's contrary to popular belief. I'm going to press him on this and ask why, but first, our new Fed chair, Kevin Warsh. He's only been on the job a few months now.   Keith Weinhold  11:07   He is gaining a reputation for not forecasting what they're going to do ahead of time, like his predecessor had. I guess I tend to like his disposition and the way that he communicates, I sense some pragmatism with Warsh, but gosh, it often seems that a new Fed chair gets off to a well liked start, and then they do something that lots of people criticize. Like, remember in 2004, late Fed Chair Alan Greenspan suggested more borrowers could benefit from adjustable rate mortgages shortly before rates rose and ARM resets became financial landmines. In 2007, Ben Bernanke said that subprime mortgage problems were likely to be contained. Oh, right after that, they helped trigger the global financial crisis, and more recently, the Jerome Powell gaffe, which I'll mention in the interview shortly. Here's what current Fed Chair Warsh says about inflation:   Kevin Warsh  12:14   For some households, businesses, and market professionals, five years of high inflation have left a mistaken impression, that's hard to shake, that the Fed's implicit inflation target was somehow above 2% Let me reiterate, there is no soft inflation target. There is no soft implicit target, not on this committee's watch. There's only a target, and it's 2%   Keith Weinhold  12:42   It's obvious that he is serious about getting inflation back down to 2% That tends to point toward interest rate increases. Let's discuss that and more with this week's brilliant guest. This week's guest is an economic futurist keynote speaker, and he's quite a popular author. He is chair of the board of the Public School Employees Retirement System. That's the largest public pension fund in Pennsylvania. Previously, the Pennsylvania governor appointed him as the secretary of banking and securities for the Great Commonwealth of Pennsylvania, he's also the founder and president of several various organizations today, and he serves on several boards, including at the University of Pennsylvania and the School District of Philadelphia. I mean, I hardly know how he has time to do it all, but he made time for us today. Hey, it's great to welcome back Richard Vague.   Richard Vague  13:45   It's such an honor to be with you. I certainly enjoyed our last session, and it's really wonderful to be back.   Keith Weinhold  13:51   Well, and so much has changed since you were last here, Richard. First, why don't we pull back and talk to us about the general state of the national economy today, as you see it.   Richard Vague  14:04   ou know the economy was rocking along okay, and you know since you guys are such experts in real estate, I'll tell you one of the most important statistics, in my opinion, is the number of unsold homes, and by all rights, that number should be about 2 million homes. It's only about a million and a half. So there's a deficiency in our housing stock in the United States, which is, yeah, I think good news for the housing industry. It's always good to have a reason to have to grow. You may recall that in 2007, that had gotten up to four millinomes, which was a catastrophe, as we all know. So, it's the economic statistic I looked at first and most closely, and that was, you know, an okay number, and a lot of the things were going along. You know, not fabulous, but not terrible. Things were kind of moving. And all of a sudden now we have the war in Iran, and that's creating all sorts of problems for us, which you know I think you guys are concerned about. So I generally think the economy's been good, but there's a lot of dark clouds on the horizon.   Keith Weinhold  15:15   You know, Richard, I was recently sharing something remarkable with our audience. To your point, just since 2020, consider all the calamities that we've had: COVID, Ukraine, Israel, Gaza, tariffs, and the Iran War. Just since 2020, what's the result of all that? Both stocks and residential real estate are near all time highs.   Richard Vague  15:42   Yeah, well, you know, one of the things that's true is that this is something I go to in great detail in my book Paradox. But the more debt there is, the higher asset prices go.   Keith Weinhold  15:53   Yeah.   Richard Vague  15:54   You know, in the case of housing, that broadly helps middle America. In the case of the stock market, the top 10% of the country owns 87% of the stocks, so that tends to go to the wealthiest instead of to the broad population. But yeah, those two things are at highs.   Keith Weinhold  16:12   You're touching on your well-received 2023 book, The Paradox of Debt, and you know, Richard, amidst all these calamities and all this potentially unprecedented level of government intervention that we've had-you know-it makes one wonder during the next crisis, which is inevitably going to happen, will the government just step in and provide relief again? And how would that look?   Richard Vague  16:38   You know, I think that's one lesson that government has learned indelibly. Way back in 1929, in the couple of years that followed, the government did not step in, and we saw what happened. And I think there's a generation of economists that understand the role of government in a calamity, and you know it's pretty simple. You know the government comes in and crops up financial institutions as they did in 2008, simply by providing the liquidity or buying the bad assets, or the government steps in with relief checks as they did in such a massive way in 2020. But the government has learned that at least to some degree, it needs to intervene. I can't imagine that ever not being true.   Keith Weinhold  17:26   Goshmright when you think about 2020s stimulus and how emergency lending facilities were set up, you had the payment protection program, stimulus checks, mortgage loan forbearance. It's just like this government won't let the asset holders fail.   Richard Vague  17:46   Well, yeah, you know, there's failure, and then there's something that's hurtful but not quite failure. You know, I can imagine that the government will be able to prevent, in some circumstances, certain asset prices going down some amount, it's actually fairly commonplace for stocks to go down 10 or 20% I can see real estate prices going down as they have in the commercial office space. Yeah, but yes, the government will step in when those things become extreme to prevent a true calamity.   Keith Weinhold  18:19   Of course, one consequence of the interventionism is elevated inflation. I know how you've talked before about how the level of inflation is higher than most people think. For example, you'll see today's CPI numbers in the mid threes. Talk to us some more about why inflation is higher than most people think.   Richard Vague  18:41   Well, I have studied inflation, you know, fairly diligently, and inflation really relates to the constriction of supply. And if you look over the 250-year history of the United States, we haven't had that many episodes of bad inflation, and they've always related to a constriction of supply. Most of them have occurred during a war when, for obvious reasons, you know, supplies are constricted. The big 1970s episode of inflation was because OPEC, which had so much more power back in those days, acted to you know punish the United States by constricting supplies, and the price of a barrel of oil went from $4 to $40 a barrel. Yeah, between 73 and 79. COVID was another instance where inflation related to constriction of supply. That was you know people couldn't go to the meat factory to cut meat. People couldn't go to the factories to build things, so all of a sudden our supplies were decimated, and we had a short burst of very painful inflation. Well, now we've got the straight of four moves, and that is impacting the price of oil. I think it's going to impact the price of oil more going forward because. Because we've been able to rely on reserves, both the U.S. has been able to rely on reserves, and China has been able to rely on even greater reserves. And you know we haven't seen the brunt of that, but unless something's resolved pretty quickly, I think in the fall and winter we're going to see even more problematic prices there. But we know agricultural prices and even the flow of commodities like wheat are constricted by the constraints in the Strait of Hormuz and, frankly, other waterways as well. Now, one of the things the numbers that you see reported tend to underreport inflation because it looks at a year-over-year number and doesn't really capture it if it's moved up more sharply in the last month or two. So we look at it on a month-by-month. We you know we break it down about as to as many parts as you can break it down into. But PPI, which is kind of a leading indicator on the eventual CPI PPI's producer price index, it was 4.7% this last month. That would suggest to you that things which are in the mid threes now, which is more higher than we want, you know, probably trending over. Maybe not next month, but you know, over the next three to six months, I'm not going to be surprised if the number's more in the four to five range. So, yeah, I think inflation's being somewhat underreported at the moment.    Keith Weinhold  21:29   The PPI being that harbinger of consumer prices, often four to six months down the road. And Richard, the last time you were here, when it comes to checking and controlling inflation, you said something so interesting. You said that higher rates, which is typically the response in order to try to quell inflation, higher rates actually do not lower inflation, and you did not get a chance to expand on that because we ran out of time. Tell us more about why higher rates do not reduce inflation.   Richard Vague  22:05   Well, I'm going to answer that a couple of ways. One of them is higher rates don't open the Strait of Hormuz.   Keith Weinhold  22:12   Right.   Richard Vague  22:13   You can put rates as high as you want, and it's not going to open the Strait of Hormuz.    Keith Weinhold  22:16   Chairman Warsch doesn't open the Strait. Yes, he doesn't get oil produce nothing.   Richard Vague  22:20   Strait of Hormuz.   Keith Weinhold  22:21   Yeah.   Richard Vague  22:21   And so we can do all we want to on raids, which is a very blunt instrument, and it's not going to address the supply constraints that are geopolitical and war related. So, if you want to curb inflation right now, there's two things to do. One of them's you know end the war with Iran, and the other is to kind of back off a lot of these tariffs that have become so problematic. I think there's a place for tariffs. I think there's certain things China's doing that you know a call for an appropriate level of tariffs. I'm not sure we should be big tariffs on Canada and some of these other places, which have the effect of increasing the cost of our farm equipment and cars and other things like that. So, if you really want to address inflation and address the things that truly underlie inflation, and if the second way I'd answer this is to say, go look at the debt, track the data from you know 1945 or 50. You know, we really look at the post World War II period as the place we really learn things from, and over that period, increased government spending has been accompanied by reduced interest rates and reduced inflation. So, reduced interest rates and reduced inflation have gone hand in hand, and rising interest rates and rising inflation have gone hand in hand, and it's a really easy thing to look at. We've got the data on our site, but there's only been three periods where you've had big shifts in government spending and rates. They're pretty easy to look at, and there's actually empirically an inverse relationship between rising interest rates and it's the opposite of what economists tell you.   Keith Weinhold  24:09   I think, in general, economists tell us that when inflation is high, you raise interest rates because consumer spending is about 70% of the economy, and those higher rates therefore incentivize people to be savers because they're getting paid a higher yield, keeping those dollars out of the economy, and they're less incentivized to be borrowers and expand the economy that way. I think in general that's why economists say that higher interest rates reduce inflation. Do you agree with that?   Speaker 2  24:40   Well, no, I don't, and the reason I don't is because when you look at the data, that doesn't happen. These are easy things to check, and what I would say to you is that rising interest rates increase costs, and you guys know that better than anybody in the world.   Keith Weinhold  24:56   With mortgages. Yeah.   Richard Vague  24:58   What do rising interest rates do to? Cost of your mortgage.   Keith Weinhold  25:02   Everything increased substantially.    Richard Vague  25:03   It has system prices at the grocery store. Well, the grocery stores have to pay our interest for their inventory. So the more intuitive and obvious thing is that rising interest rates increase prices. And by the way, if you and I were to go look at the data right now, which I look at almost daily, that we would see periods of rising interest rates correlate to periods of rising increased costs.   Keith Weinhold  25:29   Well, I'm glad you look at history because I often say here at Get Rich Education, if you want to know what's going to happen in the future, it's easy to have a hunch, but it's more important to look at history. Can you talk to us some more about how, over the long term, higher interest rates don't suppress inflation? If that's what you're saying,   Richard Vague  25:47   yeah. The greatest rise in inflation, you know, in my lifetime was the late 1970s.   Keith Weinhold  25:55   Yeah,   Richard Vague  25:56   and for the entire time that interest rates were going up, prices and inflation were going up, and it wasn't until interest rates started coming down that inflation started coming down. So we could look at any number of periods, and if you're going to argue the opposite, you need to go find me some data.   Keith Weinhold  26:15   Okay. Well, speaking in more modern times, in the last wave of inflation that we had, the CPI peaked at 9.1% in June of 2022. This is the whole famous Jerome Powell: inflation is only transitory. Oh shoot, no, it's not. I better hike rates. He did, and then inflation came down. Is it as simple as that cause in effect, or did something else make inflation come down post COVID.   Richard Vague  26:42   Inflation came down, and it came all the way down in July of 2022. It didn't come down gradually over six, 912, 18 months. You go look at the length monthly inflation. Inflation came all the way down in July of 2022, and stay has stayed down all the intervening period until very recently with the Iran War. July of 2022 was before there was a dramatic increase in interest rates.   Keith Weinhold  27:18   Right,   Speaker 1  27:19   that's simple.   Keith Weinhold  27:21   What caused inflation to come down? Then is it because supply began to arrive on the market again?   Richard Vague  27:27   People went back to work, started building things again.   Keith Weinhold  27:30   Producing.   Richard Vague  27:32   And the problem was folks had not been able to go to the factories and make things, and so we had a you know global supply deficit. Well, the nice thing about that is that you know money incends people to scramble back to work, make things again, and you know once they start doing that, and the Fed actually produces something they call the Global Supply Chain Pressure Index. You can get it on the Fed site. If you look at it, it's supposed to be kind of at zero, and anytime supply chains are disrupted, it shoots up. And any you know, any time the opposite happens, you know there's overcapacity. It goes down, and you can see exactly when supply chains repair is happening. So go look at the. It's called the GSCPI. It's on the Fed side. You'll see that global supply chains had largely started to be dramatically repaired in the spring and summer of 2022, and naturally, supply and demand works. All of a sudden, supply starts showing up, and prices go to hell.   Keith Weinhold  28:39   We're talking with economic futurist author and Pennsylvania's governor-appointed former secretary of banking and securities Richard Vague, more when we come back on the affliction of inflation, what this means for real estate investors, and more. This is Get Rich Education. I'm your host Keith Weinhold. What if you got your mortgage loans the same place I get mine. You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  29:29   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66866. That's family to 66866.    Dolph Derues  30:31   This is the king of commercial real estate, Dolph Derues. Listen to Get Rich Education with Keith Weinhold and don't quit your daydream.   Keith Weinhold  30:45   Welcome back to Get Rich Education. We're talking with Richard Vague. Richard is the founder and president of so many organizations today. He's the author of several popular economic books. He chairs the board of the Public School employees retirement system. That's the largest public pension fund in Pennsylvania. He's in a lot of places at once, seemingly. Richard, we're talking about inflation before the break. What is the right inflation rate?   Richard Vague  31:16   Well, like I said, inflation. If you look at the entire 250-year span of the United States has it been an affliction that has affected us that often? It is political kryptonite. So when it does happen, it steers our consciousness, and it you know certainly affects your industry. But you know, if we look historically, the Fed targets 2% It's not a bad thing to target. We never really have achieved that level for any length of period. I think if you look at it over the past several decades and take out the high inflation periods, it probably has averaged closer to three. So I don't think two to 3% is an inappropriate level, and I kind of suspect it'll be a level that typifies our future once we get past, if and when we get past this more.   Keith Weinhold  32:09   Yes, not long ago, I was looking at the history of the CPI or the CPI's equivalent, and over the last 100 years, the rate is about 3.2% and we haven't hit that government-mandated 2% target, which is stated right on the Fed's website. We haven't hit that for any month in about five years now, and this asset inflation, as we know, this disproportionately enriches existing asset owners, and it widens this inequality. Something that's more recently been known as the K-shaped economy, can you talk to us some more about this exacerbating wealth inequality?   Richard Vague  32:48   Well, you hit the nail on the head. Something on the order of 80% of all the net wealth held by Americans is in the form of two things: stock and real estate. If you want to talk about wealth, it's those two things, and those two things, probably 60 or 70% of all of those in the U.S. are held by the top 10% I think it's a single-digit number of those that are held by the bottom 50% So you know, if inflation and debt growth push asset prices up over time. It is a mathematical inevitability that the rich get richer faster than those in the middle and at the bottom, and that simply means inequality will increase through time. I believe that's structural. Unless you address that in very some very specific way it will continue.   Keith Weinhold  33:43   Inflation affects real estate investors more than it does the average person because we borrow these big pools of money often at 75 to 80% loan to value, and in a sense, although we know it's bad for general society, and we do think about the K-shaped economy. Of course, inflation benefits us because it debases our debt. But even if you're not a real estate investor, even if you just own your own home, you know, Richard, I really think it begs the question: Is a 30-year fixed-rate mortgage one of the best forms of debt ever created for ordinary Americans?   Richard Vague  34:22   The 30-year mortgage, which was created, you know, that started on that path in the 1930 s for the very reasons we all know and love, which is getting Americans to own their own home, and has been, you know, a game changer for the country, and truly one of the great things that's been done, and I hope it's something that we continue to defend and preserve.   Keith Weinhold  34:46   Well, that brings up leverage and the prudent use of leverage. As real estate investors, we have this benefit of getting all these 30-year fixed-rate loans without the threat of a. Margin call being made. We're not borrowing over in the stock market. When you sign your loan documents, it doesn't say that the bank can call your note due at any time, but one could take it too far. And when it comes to debt, I think that really begs the question: Where does intelligent leverage end, and then dangerous leverage begin. What's the border?   Richard Vague  35:25   Well, you guys are experts, and I'm not. But the very simple premise is starts with not overpaying for the property to begin with. It is not an exact science, but generally speaking, I think we can tell when prices are relatively high in a given market and or a given year and relatively low, and you you'd always want to kind of be at least in the middle or somewhat on the low end before you acquire a property. So that's step number one, and then step number two is really just giving yourself a buffer, you know. We saw in the global financial crisis that real estate loans were being made in some cases at 100% of value. Yeah, and frankly, we saw at least some episodes within that folks borrowing over 100% of value, and certainly they were very happy when that happened. But we know there's zero margin for error when you do that, and perhaps even a negative margin for error when you do that. So I would think, you know, you guys know better than me, but you know, I hate to borrow it much more than like 90% of value, maybe 95% if it's a smaller asset and you have a government guarantee, and if you can do it at lower leverage, you know, 70 or 80% of value, that's not a bad thing to consider. I tend to think in the real estate world that you know I've seen many investors, particularly in the commercial space, buy things with lower leverage, 50 or 75% But then, as the asset proves itself, they work with their lender to increase the debt-to-value ratio, you know, and get more money at it over time as it becomes an increasingly proven asset. So they migrate their way from 75% to 95% over time. I think that's a logical path.   Keith Weinhold  37:20   That acronym Ninja Loans, which were popular from about 2000 to 2007, that acronym Ninja means no income, no job or assets, and you might still get a loan of 110% of the value of the property. It was profligately irresponsible. Well, Richard, in a moment, I want to ask if you have a resource that our audience can follow along with you if they would like to do so. But before I do that, do you have any last thing that you would like to talk about? Maybe something that I did not ask you, whether it has to do with the general economy or real estate or interest rates or inflations. Is there something else that we should know?   Richard Vague  38:00   What I would do is just endorse your podcast.   Keith Weinhold  38:04   Thanks.   Richard Vague  38:05   You're approaching this in a very intelligent way, and you're very empirical, and I think your listeners are doing themselves a service by continuing to follow what you do. That's a really reasonable, secure, and yet bold path towards creating wealth, then I think you're to be commended.   Keith Weinhold  38:27   Oh, I appreciate the endorsement. I'm always blown away at our following, but you have some resources worth following as well. Tell us about that.   Richard Vague  38:36   Well, we do. We have a weekly video ourselves that it's about a five-minute video, and you can go to our website, which is tycos.com. So t y c h o s.com, and you know we have data on the site. If you're a real geek, you could go in and you can look at our macroeconomic data. You know, but if you're not, you can sign up for the video, and we come out with what we hope is a short but relevant video once a week talking on some aspect of the economy, and you know we'd love to have folks join that if they're interested.   Keith Weinhold  39:10   Well, it's valuable. I suggest you, the listener, check that out. Richard oftentimes turns conventional economics on his head, just like he did with us today, talking about how if there's higher interest rates, that does not necessarily mean lower inflation. Richard, it's been valuable as always. It's been great having you back on the show.   Richard Vague  39:30   It's an honor to be with you. Keep up the great work.   Keith Weinhold  39:38   In this remote interview, I got a beautiful look over Richard's shoulders there on the screen at Center City, Philadelphia, in the ornate buildings there. I will be in that part of the nation again shortly. Big thanks to Richard Vague. If you're looking him up, it is spelled V-A-G-U-E. We've got a. A lot of terrific content coming up on the show over the next few weeks, including fresh takes on building your wealth that you've never heard before. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 3  40:18   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.    Keith Weinhold  40:46   The preceding program was brought to you by your home for wealth building. getricheducation.com  

Jason and Michael offers a critical analysis of Melody Wright, a real estate commentator accused of spreading unsubstantiated "doomer" narratives regarding the housing market. They specifically debunk her claims of widespread mortgage fraud, explaining that modern banking regulations and randomized appraisal processes make such conspiracies nearly impossible to execute. They emphasize that inflating property values for "cash-out refis" would require a criminal RICO conspiracy involving multiple parties, which is highly unlikely in today's strict lending environment. Ultimately, Jason and Michael argue that Wright's predictions of a housing market collapse are factually incorrect and designed primarily to generate social media engagement. The conversation concludes by highlighting the high transaction costs and legal risks that serve as natural deterrents to the fraudulent schemes Wright describes.   Key Takeaways: 0:00 Doom sells 3:30 Mortgage fraud 8:44 An expensive grift and RICO 14:08 Fight club 15:19 Its amazing what people fall for   EmpoweredInvestor.com/Wednesday PropertyTracker.com      _______________________________________________________________   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

In this episode of the Loan Officer Podcast, host Dustin Owen sits down with Tom Davis, Chief of Sales at Deephaven Mortgage, to discuss the rapidly expanding non-QM mortgage market and its implications for today's lending landscape. Tom highlights that non-QM now represents roughly 20% of all U.S. loan originations, a significant increase fueled by the growing needs of self-employed borrowers, gig economy workers, and real estate investors who often fall outside traditional agency guidelines. He explains how these borrowers are underserved by conventional lending products, making non-QM solutions increasingly vital for both clients and originators. Tom also identifies home equity lending as a generational opportunity, especially in the current environment of elevated interest rates and record levels of consumer debt. He points out that homeowners are sitting on unprecedented amounts of equity, and innovative lending products can help them access this wealth without sacrificing low first-mortgage rates. The conversation delves into the challenges and opportunities presented by tightening condo lending guidelines from Fannie Mae and Freddie Mac, which have made it more difficult for some buyers to secure financing through traditional channels. Throughout the episode, Tom and Dustin discuss actionable strategies for loan originators to grow their business by embracing alternative financing products, such as non-QM and home equity solutions. They emphasize the importance of building education-focused client relationships, empowering borrowers with knowledge about their options, and positioning originators as trusted advisors in a changing market. By staying informed and adaptable, originators can better serve a diverse range of clients and thrive in the evolving mortgage industry. TLOP's Originator Coaching:

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the mortgage rate outlook for the rest of 2026. Related to this episode: Fed Chair Warsh will vote to hike rates if data doesn't improve HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HousingWire Mortgage Banking Summit – October 1 More info about HousingWire Top 5 Trending: Real REMAX Group halts Motto Mortgage franchise growth Fed Chair Warsh will vote to hike rates if data doesn't improve Ryan Serhant doesn't want to buy your brokerage. He wants your agents Builders face a tougher math problem as completed inventory rises As Kortas and Casa make peace, AIME is back in the mix Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Your 60-second money minute. Today's topic: Mortgage Rate Blahs Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Rates Ticked Up, But Buyers Aren't Backing DownCommentary coming out of the Federal Reserve's Jackson Hole conference send the 10-year Treasury back toward 4.7%, and Brian Wickert and Tim Holdmann break down exactly what that means for today's mortgage rates, including Accunet's current no-point, low-point, and rate buster options.Despite headlines claiming buyers are pulling back, the local data says otherwise. Realtor.com's Market Clock still shows the area as a strong seller's market, and Kenosha remains one of the hottest housing markets in the country, drawing triple the national average in listing views.Brian and Tim share real client stories from the past week: a Florida-based family using a large IRA balance to satisfy asset requirements without touching the account, a move-up couple weighing a self-employed income calculation and a cosigning brother to boost buying power, and an FHA buyer whose thin down payment finally landed him a gut-renovated starter home after two rejected offers.Plus, why a detailed pre-approval letter (not a vague bank promise) is winning offers in competitive situations, and how the Rock Solid Guaranteed Pre-Approval's $10,000 seller guarantee is helping buyers stand out.Real stories, real numbers, from the front lines of home buying, selling, and financing.

What if selling your home didn't mean giving up your 2% or 3% mortgage rate?A new proposal in Congress called the MOVE Act is putting the idea of “portable mortgages” in the spotlight. In theory, homeowners could take their existing mortgage rate, terms and remaining balance with them when they move to a new home — potentially removing one of the biggest reasons millions of Americans feel financially locked into the homes they already own.But could it actually work?On this episode of the Kern County Real Estate Review, Laurie McCarty breaks down the MOVE Act, the growing problem of mortgage-rate lock-in, and what portable mortgages could mean for homeowners, home buyers and the housing market. Local lender Nicole Hale joins the conversation to explore how a portable mortgage might work in the real world, including qualification requirements, additional financing, appraisals, fees and potential complications.They also discuss who could benefit most, whether portable mortgages could encourage more homeowners to sell, how the proposal might affect housing inventory and first-time buyers, and why homeowners with low mortgage rates shouldn't assume they have to stay put forever.The MOVE Act is still only a proposal, but if you have a low mortgage rate and have wondered whether you'll ever be able to afford to move again, this is a conversation you'll want to hear.

Mortgage rates today are under pressure after Brent crude broke $90 a barrel, and the Federal Reserve just put a rate HIKE back on the table. Here is what moved, what it costs, and what I am telling my clients to do about it.Updated for Monday, August 31, 2026 — Mortgage bonds opened down 15 on oil and Middle East conflict, pushing mortgage rates toward 6.85% and possibly 7%. PCE inflation sits at 3.7% against the Federal Reserve's 2% target, with 54% of the basket running over 3% versus 32% before the pandemic. Inflation has now been above target for 64 straight months. Meanwhile 23,000 jobs were lost in July and May–June revisions erased another 103,000 — and the Fed said plainly it is focused on inflation, not jobs.Here is the part almost nobody explains to homebuyers: the Federal Reserve can raise rates and your mortgage rate can still go down. The Fed sets short-term interbank lending. Mortgage rates track the 10-Year Treasury. If bond investors believe a hike will actually control inflation, long-term yields can fall even while the funds rate rises. That mechanism is walked through at 06:40.What I am telling clients: if you are under contract, lock your mortgage rate. I cannot price around another drone strike. If you are not under contract yet, watch two things — oil and inflation. Oil back under $70 and holding is when the Federal Reserve gets room to cut and mortgage rates can finally come down. Oil at $120 is a very different conversation for the housing market.CHAPTERS00:00 Oil Just Broke $90 — Here's Why That Hits Your Rate00:39 The Chart I Check Every Morning Before Quoting a Rate01:21 What the Federal Reserve Actually Watches01:46 Inflation at 3.7% When the Target Is 2%01:59 The Data This Week That Can Move Mortgage Rates02:40 103,000 Jobs Gone — And the Fed Says It Doesn't Care04:06 The Jackson Hole Speech, Translated06:20 The Odds of a Hike Just Changed06:40 Why a Fed Hike Doesn't Have to Raise Your Mortgage Rate08:31 Lock or Float: What I'm Telling Clients Right Now10:04 Rate Watch, Loan Estimate Review and DIY Mortgage11:16 What to Watch NextNEXT STEPS

Join us for an insightful episode of the Hardcore Mortgage Real Estate & Business Show featuring Candice Rich, Global Real Estate Advisor with @properties Christie's International Real Estate in Birmingham, Michigan.With over 30 years of financial and tax advisory experience, more than 22 years as a CPA firm owner, and a decade in real estate, Candice brings a unique perspective to luxury home buying, selling, and investment strategies. Recognized among the Top 1,000 Real Estate Agents in Oakland County, she specializes in Metro Detroit's luxury market, serving executives, successful families, and professional athletes throughout Birmingham, Bloomfield Hills, Rochester Hills, and beyond.As the founder of Signature Sports & Entertainment, Candice also helps athletes and their families relocate to and from Metro Detroit, providing expert guidance for both in-season and off-season moves.In this episode, we discuss: ✅ Luxury real estate trends in Metro Detroit ✅ Relocation strategies for executives and professional athletes ✅ Luxury home marketing and negotiation techniques ✅ Buying and selling high-end homes in today's market ✅ Oakland County luxury real estate insightsWhether you're a luxury home buyer, seller, investor, executive, or athlete considering a move, this episode delivers valuable market knowledge and expert advice from one of Michigan's leading luxury real estate professionals.

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out our recommended tool: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Prop Stream⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Thank you for listening!

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the Jackson Hole summit and what Fed Chair Kevin Warsh needs to do at this meeting. Related to this episode: Fed hawks are on the war path, sending mortgage rates higher HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HousingWire Mortgage Banking Summit – October 1 More info about HousingWire Top 5 Trending: Ryan Serhant doesn't want to buy your brokerage. He wants your agents Mortgage lenders weigh AI, alternative data and credit models The Iran conflict's impact on housing demand Lisa Cook's lawyer says Trump lacks legal basis to remove Fed governor REMAX co-founder Gail Liniger dies at 81 Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Listener Q&A where Andy talks about: Whether to use money in a 457b to pay down a mortgage or to pay taxes on Roth conversions ( 7:56 )How Social Security survivor benefits work, and the optimal ages for spouses to each claim their own Social Security ( 18:54 )His thoughts on why the Social Security trust fund hasn't been allowed to invest in equities ( 25:36 )Creating spreadsheets to replace financial planning software, and using it to help your ongoing retirement planning and projections ( 30:40 )His thoughts on whether someone should try to convert ALL of their pre-tax money to Roth ( 36:56 )Transferring/rolling money from an IRA to an HSA (Health Savings Account) ( 46:05 )Whether you have to start Medicare Part A if you start Social Security but are still covered by a spouse's employer's health insurance ( 49:18 )Updating beneficiaries on investment accounts after one of the beneficiaries passes ( 53:17 )His thoughts on whether comparing a portfolio's investment returns to those of the S&P 500 is appropriate, and whether it's okay to hold bonds as investments ( 58:22 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comAndy's LinkedIn profile: https://www.linkedin.com/in/andypanko/Links in this episode:Tenon Financial's March 2026 newsletter - Gifting, annual gift exclusions, gift taxes and gift tax returns (IRS Form 709)Tenon Financial's March 2024 newsletter - Don't compare your portfolio's returns to those of the S&P 500Tenon Financial monthly newsletter/blog - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Learn whether the "7% rule" for prioritizing debt payoff over investing applies to your mortgage. Plus: why your grocery bill keeps climbing. Hosts Sean Pyles, CFP®, and Elizabeth Ayoola talk with Max, a product designer in Portland who was laid off from his tech job earlier this year, about whether the so-called "7% rule" applies to something as big as a mortgage. They dig into when refinancing a 7.2% mortgage actually makes sense, why Max shouldn't wait to pay off his home before investing, whether to grow his emergency fund from six months to nine given the volatility in tech hiring, and how much cash is too much to hold outside the market. Then, NerdWallet's Anna Helhoski talks with David Ortega, a professor of food economics and policy at Michigan State University, about why grocery prices haven't come down even as inflation cools. Ortega explains that food prices are still more than 30% higher than before the pandemic, why eggs, beef and tomatoes have moved so differently in price, and how grocery chains' growing use of dynamic, airline-style pricing could shape what shoppers pay next. Subscribe to our podcast's free email newsletter for bonus content and more from our hosts at https://smartmoney-nerdwallet.beehiiv.com/  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header Smart Money's YouTube Channel: https://youtube.com/@nerdwalletsmartmoney To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. *The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. Learn more about your ad choices. Visit megaphone.fm/adchoices

Crypto News: SEC resurrecting U.S. crypto custody rule the previous administration failed to land. Bank of America, Wells Fargo, Santander & over a dozen major banks move forward with plans to launch a crypto stablecoin. Ripple's RLUSD stablecoin crosses $2B in market cap, with $963M issued on the XRP Ledger and $1.1B on Ethereum.

Episode 677 Get the mortgage market numbers that matter, what they mean for your business, and one practical action you can take that day to write more loans. Sign up free at BeyondTheRateSheet.com. Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl White shares a free resource he and Owen Lee originally created for the loan officers in Carl's branch called Beyond the Rate Sheet: The Loan Officer Daily. Every weekday morning, Owen pulls together the mortgage and housing numbers loan officers need to know, including mortgage rates, purchase and refinance applications, home sales, and other important market data. Carl then breaks down what those numbers actually mean for a producing loan officer and, more importantly, what to do with them. Each quick two-minute read includes The Pulse, a snapshot of what's happening in the market, Why It Matters, Carl's practical takeaway, Today's Conversation Starter, a word-for-word conversation you can use with agents, borrowers, or your database, and Today's Production Move, one specific action you can take to help create more business. Carl also explains why knowing the numbers is only useful when you can turn that information into conversations and activities that help you write more loans. The best part? It's completely free. To get Beyond the Rate Sheet delivered straight to your inbox every weekday morning, visit BeyondTheRateSheet.com.  

Learn the "Rent Replacement Strategy," a powerful framework to turn your monthly rent into wealth, even if you feel priced out.This episode introduces the "Rent Replacement Strategy," a new playbook for aspiring First Time Homebuyers to overcome the fear of being "house poor." You'll discover why a simple rent vs. mortgage comparison is dangerously incomplete, and how a full seven-column analysis reveals how a slightly higher mortgage payment becomes a powerful wealth-building tool through forced savings, fixed costs, appreciation, and significant tax benefits. Stop waiting and learn how to leverage your largest monthly expense into your financial future."A rent payment versus a mortgage payment that is not apples to apples. It's like apples compared to a full course meal."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy is comparing rent to a mortgage payment a "dangerously incomplete" formula?What's the powerful 7-column spreadsheet that reveals true homeownership wealth?How can you transform your rent payment into a forced savings account and long-term asset?Why does waiting for a market crash actually cost you money, even in a flat market?What are the massive tax benefits of owning a home that renting simply can't offer?How can your first home be a tool to build your "dream life," not just a "dream home"? Referenced Episodes & Resources460 – Rent vs Buy in 2026: Are First Time Homebuyers Crazy?512 – What's Going On with the Housing Market? - PART 1 - Summer 2026 First-Time Homebuyer Update513 – First-Time Homebuyer Headlines & Scams - PART 2 - Summer 2026 Housing Market Update457 – First Time Homebuyers: Buy or Wait in 2026? (March Housing Market Update)464 – This ONE Myth is Killing First Time Homebuyers in 2026522 – Low Down Payment Strategies – First Time Homebuyer Options in This Economy426 – Lowering Your Down Payment – Financially Prepare to Buy Your First Home – Pt. 7447 – First-Time Homebuyer Tax Strategy to Qualify for a Better Mortgage (Interview w/ Dan Mullens, CPA)423 – Using Your 401(k) - Financially Prepare to Buy Your First Home - Pt. 6490 – First Time Homebuyer Pros & Cons: New Build vs. Resale488 – 8 First Time Homebuyer Tips to Beat High Interest RatesHowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to to get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

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Things are getting weird – looks like someone is panicking. The Dumber side of finance – let’s dig in. A big week ahead – major earnings could move markets. – Gold, Bitcoin moving on a lower USD. PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? PayPal.Donation.Button({ env:'production', hosted_button_id:'JJJHP2GDEJC7J', image: { src:'https://www.paypalobjects.com/en_US/i/btn/btn_donateCC_LG.gif', alt:'Donate with PayPal button', title:'PayPal - The safer, easier way to pay online!', } }).render('#donate-button'); Follow John S. Dvorak on X Follow Andrew Horowitz on X Warm-Up - Things are getting weird - looks like someone is panicking - The Dumber side of finance - let's dig in (5 top items) - Cold War and Hot War - Canada, China and Iran - Economic "D" day - no one cares - Saying goodbye to Dolly Parton Markets - Gold, Bitcoin moving on a lower USD - Oil starting to settle - Big Week - NVDA earnings on tap - all eyes! STUPID IS WHAT STUPID DOES - A DHU One-Time Series On The Dumber Side of Finance 1) LOWER BEEF PRICES - Trump plans temporary tariff relief for certain ground-beef imports as U.S. beef prices remain near record highs. - The plan would allow up to 300,000 metric tons of discounted imported ground beef over roughly 90 days. - Supposedly this will reduce the prices for consumers - Ranchers and several farm-state Republicans are pushing back, arguing cheaper imports could hurt domestic producers. ---- Question: Tariff reduction is going to reduce prices for consumers? Didn't someone say that tariffs are paid by the companies and exporting countries??? 2) IRAN SANCTIONS - BIG THREAT, LIMITED IMMEDIATE ACTION - Treasury warned countries doing business with Iran that they could face secondary sanctions, calling it an "economic D-Day." - New sanctions hit about 60 individuals, companies and vessels, but major Chinese financial institutions were not targeted. - China remains the biggest buyer of Iranian oil, making Chinese banks the potential pressure point. - Treasury says sanctions could expand into gold, digital assets, aviation, shipping and other sectors. 3) TREASURY TRIES TO TAME LONG-TERM YIELDS - Treasury will at least double the maximum size of certain long-term bond buybacks to $4 billion per operation. - The announcement briefly knocked nearly 10 basis points off the 30-year Treasury yield. - Critics say this treats the symptom rather than the cause - huge deficits, heavy issuance and persistent inflation risk. ------Bessent had to come out on Friday to say "at least" $4B - as bind yields moved back up -------Maybe there is a concern over the $40TRILLION debt we have amassed as a country? 4) SOMEONE GOT LONG BONDS AT THE RIGHT TIME - TLT took in roughly $529 million of net inflows on August 18, one day before Treasury's surprise bond-buyback announcement. - The next day Bessent doubled planned buybacks of 10- to 30-year Treasurys, immediately pushing long yields lower. - TLT jumped about 1.7% on the announcement. - No public evidence identifies a single buyer - but the timing of the unusually large inflow is certainly worth noting. 5) DOLLAR GETS HIT BY THE BOND RESCUE - The dollar weakened as investors questioned Treasury's expanded bond-buyback strategy. - The concern is that suppressing yields without fixing fiscal problems simply transfers pressure from bonds to the currency. - The 30-year yield has remained elevated despite Treasury intervention. - Bitcoin rallied as investors looked toward alternatives to traditional fiat assets. - PEOPLE: This is NOT Quantitative Easing - Just a move to buy longer dated and issue more short dated WALMART FLASHES A CONSUMER WARNING - Walmart U.S. comparable sales grew just 2.6%, its slowest pace in roughly six years and below expectations. - Shares dropped sharply after the report. - E-commerce remained strong, while store traffic and discretionary spending showed more weakness. - Walmart raised full-year guidance but gave a softer-than-expected third-quarter outlook. - As America's biggest retailer, Walmart's slowdown is an important read on the broader consumer. VENEZUELA HAS OIL - BUT CAN'T SHIP IT FAST ENOUGH - Tankers are waiting as long as 30 days to load Venezuelan crude because of aging ports, outages and equipment failures. - Venezuela has struggled to push exports much higher despite rising production and strong demand. - The Jose terminal handles about 70% of exports and has become a major bottleneck. - Venezuela's ports may impose a physical ceiling on production growth until infrastructure is upgraded. JANE STREET'S $15 BILLION AI HIT - Jane Street reportedly lost about $15 billion in July as AI and technology positions moved sharply against the firm. - A major source of the damage was exposure to concentrated AI trades that were forced to unwind. - Jane Street posted its first negative month of trading revenue since 2016. - As a reminder: this episode highlights how quickly crowded AI trades can overwhelm even sophisticated risk-management systems. LEAVITT LEAVES THE WHITE HOUSE - Karoline Leavitt resigned as White House press secretary after returning from maternity leave. - Trump said she would become a top outside adviser and prominent Republican voice heading into the midterms. - Looking fior a kinder and gentler replacement? HA! probably not OFF THE HIGHS NVDA - 9% off high AMD - 19% off high AVGO - 23% off high MU - 23% off high TSM - 13% off high MRVL - 28% off high INTC - 35% off high NVIDIA - THE MARKET'S NEXT STRESS TEST - Nvidia reports Wednesday - now basically a referendum on the entire AI trade. - Blackwell demand and hyperscaler spending are the key tells. - A strong guide could quickly reset tech sentiment. - A miss would raise the uncomfortable question: how much AI optimism is already priced in? - Revenue expected around $92.1 billion, up roughly 97% year over year. - Adjusted EPS expected around $2.09, nearly double last year. - Data Center revenue expected around $85.7 billion - still the main engine. - Biggest watch items: Blackwell demand, Vera Rubin timing, China sales and hyperscaler capex. - Options imply roughly a 5%-6% move after earnings. - Discussion .... NVIDIA - AI SERVERS GETTING EVEN MORE EXPENSIVE - Major Nvidia customers have reportedly been warned that AI server prices could rise more than 15% beginning early next year. - Higher memory costs are the main driver, affecting Grace Blackwell and upcoming Vera Rubin systems. - Nvidia is effectively passing higher component costs through despite gross margins around 75%. - ALWAYS INTERESTING THESE ANNOUNCEMENTS SO CLOSE TO EARNINGS - HMMMM CANADA-U.S. TRADE FIGHT GETS WORSE - Canada announced retaliatory tariffs on about $20 billion of U.S. goods after Washington imposed new 50% tariffs on Canadian imports. - Canada's tariffs range from 15% to 50% across roughly 700 products and begin September 8. - Canada also announced a C$7.5 billion support package for affected businesses and workers. - Another escalation that could hit autos, manufacturing costs and cross-border supply chains. HOUSING - BUYERS KEEP DISAPPEARING - July new-home sales plunged 10.5% to a 607,000 annual rate, the weakest since January. - Median new-home price fell to $393,800, the lowest in four years. - Mortgage rates are still around 6.8%, keeping affordability under pressure. - Only 5.2% of consumers said they expect to buy a home in the next six months - the sharpest drop in more than five years. JACKSON HOLE - WARSH GETS THE MICROPHONE - Kevin Warsh speaks next week at Jackson Hole. - Markets want to know whether sticky inflation, oil and tariffs are enough to keep the Fed in tightening mode. - Long yields are already doing some of the Fed's work. - One sentence could move bonds, the dollar and stocks. - Friday, August 28 at 10:00 a.m. ET. --- BUT - Didn't Warsh say less communication is more? They can't keep put of the spotlight. PCE - THE FED'S FAVORITE INFLATION READ - "The Fed's preferred gauge/measure of inflation" - July PCE lands next week. - Watch for tariff, energy and goods inflation creeping back into the numbers. - A hot print revives hike fears. - A soft print gives risk assets some breathing room - especially with long yields already elevated. THE CONSUMER VS. THE AI BOOM - MORE EARNINGS COMING - Salesforce, CrowdStrike and Marvell give another read on corporate AI spending. - Dollar General, Dollar Tree, Best Buy and Ulta test the other side of the economy. - The setup is getting interesting: companies are still spending aggressively on AI while consumers look increasingly selective. - If that gap widens, it could become one of the bigger market themes into the fall. AROUND THE WORLD EUROPE - QUIETLY GETTING INTERESTING - European stocks slipped this week, but money has started flowing back into the region. - Euro-zone business activity is growing at its fastest pace this year, while Q2 earnings growth for STOXX 600 companies is running surprisingly strong. - CONCEPT: Europe may be turning into the anti-U.S. trade - less AI concentration, cheaper valuations, but more sensitivity to energy. JAPAN - BETTER DATA, WORSE MARKET - Japan's Nikkei lost about 4% this week even as the economic data improved. - August manufacturing PMI jumped to 55.1, with new orders rising at the fastest pace since 2018. - Semiconductors and AI-related demand are helping drive the factory rebound. - Stronger growth also keeps the BOJ rate-hike discussion alive - good economy, potentially tougher market. BIG PHARMA - CHINA'S WEIGHT-LOSS GOLD RUSH - Lilly, Novo Nordisk and others are aggressively targeting China's obesity market, where obesity rates are projected to top 65% by 2030. - China bans direct prescription-drug advertising, so companies are using subway ads, gyms, influencers and "disease awareness" campaigns instead. - China's GLP-1 market could reach roughly 30 billion yuan over the next 5-7 years. - Interesting regulatory gray area: education campaigns that look a lot like drug advertising without actually naming the drug. Love the Show? Then how about a Donation? PayPal.Donation.Button({ env: 'production', hosted_button_id: 'JJJHP2GDEJC7J', image: { src: 'https://www.paypalobjects.com/en_US/i/btn/btn_donateCC_LG.gif', alt: 'Donate with PayPal button', title: 'PayPal - The safer, easier way to pay online!' } }).render('#donate-button-2'); THE CLOSEST TO THE PIN for SpaceX (SPCX) Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt!   FED AND CRYPTO LIMERICKS   See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

The Bears just traded away a 2028 first-round pick and a 2027 third-round pick for rotational defensive lineman Shemar Turner in the middle of August. Big Sal is calling out the front office for panicking, showing zero trust in their own draft process, and handing future assets to the 49ers for a piece that will not fix their real problems. He explains how this move leaves Ben Johnson with a mismatched roster and predicts Chicago will spend the next two years regretting the picks while Green Bay keeps building the right way. The Bears are shrinking in real time and it shows. If you are tired of watching the Bears make the same desperate mistakes, subscribe, leave a five-star review, and share this episode with the biggest Bears fan you know. This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Check out everything I'm building across the Packers and NFL world: NFL Draft Grades: https://nfldraftgrades.com/ Hashmarks: https://hashmarks.io/