Podcasts about mortgage

In this episode of Excess Returns, Redfin Chief Economist Daryl Fairweather joins Matt Zeigler to unpack what she calls the Great Housing Reset. Rather than a housing crash or correction, Fairweather argues the market is entering a multi year transition toward something more normal, where incomes gradually catch up to home prices and affordability improves at the margin. The conversation covers mortgage rates, supply constraints, regional housing dynamics, climate risk, policy tradeoffs, and how AI is reshaping real estate decisions for buyers, renters, and investors.Topics covered in this episode• Why the current housing market is a reset, not a crash or correction• How income growth outpacing home price growth could slowly improve affordability• Mortgage rate dynamics and why rates may stay near the low 6 percent range• The mortgage rate lock in effect and why inventory may take years to normalize• Regional housing trends including the Midwest, Northeast, Sunbelt, and tech hubs• The role of wages, rents, and affordability for Gen Z and first time homebuyers• Investor activity, rental markets, and the outlook for housing as an investment• Immigration, foreign buyers, and local market distortions• Multi generational living, ADUs, and creative housing solutions• Housing policy ideas that actually address supply constraints• Why demand side policies like 50 year mortgages miss the real problem• Climate risk, insurance costs, and total cost of home ownership• How AI and conversational search are changing the home buying process• The future of MLS consolidation and real estate market structure• Practical guidance for renters, buyers, and homeowners looking ahead to 2026Timestamps00:00 Introduction and the Great Housing Reset02:00 What a housing reset really means03:30 Income growth versus home price growth05:20 Mortgage rates and the outlook for borrowing costs08:40 Fed policy, bond markets, and mortgage rates10:40 Inventory shortages and the lock in effect12:30 Regional housing market winners and losers16:00 Affordability challenges for younger buyers19:00 Rental markets and investor dynamics21:20 Multi generational living and ADUs25:00 Housing policy and supply constraints29:30 Why 50 year mortgages do not solve affordability33:00 Geographic housing outlook by life stage39:30 Climate risk, insurance, and housing costs47:00 Energy efficiency and dense housing50:20 AI, real estate search, and market structure54:30 What to watch in the housing market through 202659:30 Book discussion and where to follow Daryl Fairweather

On this Episode of No Brains No Headache Podcast, Jordan is in studio for an interview with Andrew "Mortgage Mac" McClure to discuss:-Growing up in Arizona-Starting a Podcast-Road Trips-Playing College Hoops-Current Real Estate Market-Becoming a Mortgage Lender-Tips & Advice for Young or First Time Homeownersand much more...Apple PodcastsSpotifyiHeartRadio.YouTube. youtube.com/@NobrainsnoheadacheNew episode every Tuesday!X. x.com/nbnhpodcastInstagram. nobrains_noheadacheFacebook. https://www.facebook.com/nbnhpodcastYouTube. youtube.com/@NobrainsnoheadacheTik Tok. @nobrains_noheadache

In this conversation, Marco Bario, a note investor, shares his journey into the world of note investing, focusing on seller financing and the secondary market. He explains the process of creating notes, the appeal of seller financing for both sellers and buyers, and the legal considerations involved. Marco also discusses the growing interest in note investing as an alternative to traditional banking, emphasizing the benefits of cash flow without the headaches of property management. He concludes by providing resources for those interested in learning more about the note investing space.   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   —--------------------

Are you worried about falling behind on your mortgage — or already feeling the pressure?You're not alone, and more importantly, there are steps you can take right now to protect your home, your credit, and your future.In this powerful episode of Moving Sucks, Seth gets real about the emotional and financial weight of mortgage challenges — and how to face them head-on. From job loss to rising taxes and unexpected life changes, he breaks down the most common reasons homeowners find themselves struggling... and offers proactive, practical solutions to get ahead of the problem.Learn how to build an emergency fund before you need it, when to contact your lender, how to navigate loan modifications and forbearance options, and why knowing your equity position could be the key to making the right decisions.

In this episode of The Mortgage Show, Chris and Randy break down a rollercoaster week in the mortgage world. They dig into the brief dip into the 5s, why it didn't last, and what actually drives rate movement behind the scenes, including mortgage-backed securities, global factors, and inflation pressure.They also talk real-world strategy, when refinancing actually makes sense, how to be ready when rates move, why fast closings matter more than ever, and what borrowers can do to put themselves in a position to win. Plus, a look at rising credit report costs, debt consolidation through refis, and why local market conditions still matter.Mortgage talk with context, honesty, and a little fun mixed in.

Everyone's wondering what the mortgage market has in store for 2026, so Rob & Rob have called in mortgage experts Kelly Rule and Nick Shepard to break it down.  From where interest rates are heading next to what's really happening with lender fees and stress tests, they discuss what property investors can realistically expect over the coming months, while busting a few myths along the way.  (00:54) News story of the week.  (03:58) Buy-to-let rates now and where they're heading.  (07:46) The truth about arrangement fees.  (11:26) Which lenders are offering the best deals this year?  (14:21) Are stress tests finally starting to ease?  (21:18) The mortgage myths catching investors out.  (27:20) Hub Extra.   Links mentioned:  The 10 UK locations which could see the biggest house price growth in 2026 – read here  Blackbird: Watch here  Chief of War: Watch here   Pluribus: Watch here  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Find out more about Property Hub Invest 

Mortgage rates edge upward but remain near a three year low. AP correspondent Alex Veiga reports.

This week on Power House, Zeb Lowe sits down with Anthony Casa, President and CEO of UMortgage, for a candid conversation about what actually drives long-term success in the mortgage business. Anthony reflects on his decades in the industry, sharing why mentorship remains one of the most critical (and most overlooked) factors for loan originators. He explains how building early relationships with real estate agents compounds over time, why consistency matters more than short-term wins, and how earning trust is still the foundation of every successful career. The conversation also takes a personal turn as Anthony opens up about his own transformation, including sobriety and renewed focus on health and wellness, and how those changes reshaped his leadership style. He connects personal discipline to professional performance, arguing that sustainable success in mortgage lending starts with how leaders take care of themselves. Anthony and Zeb also dig into the industry's structural shift from retail to broker channels, discussing why compensation, flexibility, and culture are driving that movement—and how marketing strategies must evolve to support it. This episode is a grounded look at mentorship, leadership, and why the long game still matters in mortgage. Here's a glimpse of what you'll learn: Why mentorship is essential for new loan officers How early agent relationships compound into long-term success What Anthony's personal transformation taught him about leadership Why health and wellness matter in high-pressure careers How the broker channel is reshaping mortgage competition Why culture and autonomy attract top talent How marketing strategies should match individual sales goals Why consistency beats intensity over time How to succeed in today's market conditions Why earning trust still matters more than tactics The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire president Diego Sanchez every Thursday morning for candid conversations with industry leaders to learn how they're differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Presidents don't set interest rates. Markets do.In this segment, Chris explains why trying to “force” low interest rates—whether by the Fed, the White House, or political pressure—is an exercise in futility. From Trump's Davos comments to Fed rate cuts that didn't lower long-term borrowing costs, the bond market keeps delivering the same message.The Fed cut rates by 175 basis points since September 2024—yet 30-year Treasury yields jumped from under 4% to nearly 5%. Mortgage bond purchases? Temporary blips, then right back up.The bond vigilantes are real, and they don't care about speeches or spin.If you want lower rates, there's only one answer: get fiscal discipline under control—balance the budget and pay down debt. Everything else is noise.

Listen to The Jay Garvens Home & Mortgage as Jay shares “The Millennial Moment-Demographics in 2026.”  Jay will explain why housing is sooo high and when or if the prices will go down.  Listen on... The post THE MILLENNIAL MOMENT-DEMOGRAPHICS IN 2026 – 1-17-26 appeared first on Jay Garvens.

Every day, we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of the Fed, CPI, Jobs, MBS, and the 10-Year Treasury.Transparent. Data-driven. No hype.

Mortgage advisor and networking strategist Sarah Hubbard shares insights on her Networking MAPP Framework from her book The Intentional Networker. Reach her at sarahh@vertexmail.com and download her AI prompts at https://sarahhubbard.myflodesk.com/aipromptsitn. For more great insight on professional relationships and business networking contact Frank Agin at frankagin@amspirit.com.

The Trump administration has been exploring the possibility of 50-year mortgages as a way of lowering home costs for Americans. Most industry professionals think it's a bad idea. The administration is also pursuing other possibilities to affect the cost for buyers. We talk about how these proposals might work, and we take an updated look at the regional housing market. In studio: Lanie Bittner, associate real estate broker with RE/MAX Plus Jason Mancuso, real estate salesperson with the Anthony Butera Team at Keller Williams Realty Mark Siwiec, broker and owner of Elysian Homes by Mark Siwiec and Associates ---Connections is supported by listeners like you. Head to our donation page to become a WXXI member today, support the show, and help us close the gap created by the rescission of federal funding.---Connections airs every weekday from noon-2 p.m. Join the conversation with questions or comments by phone at 1-844-295-TALK (8255) or 585-263-9994, email, Facebook or Twitter. Connections is also livestreamed on the WXXI News YouTube channel each day. You can watch live or access previous episodes here.---Do you have a story that needs to be shared? Pitch your story to Connections.

Oh boy, grab your hard hat and hold onto your toolbox because Eric G is diving into the wild world of the housing market and remodeling for 2026! Spoiler alert: things are getting real “interesting” out there. Builder confidence is dropping faster than my patience when I can't find my favorite tool, with a recent dip to a not-so-rosy 37 on the index. But fear not, we're also seeing renovation spending gearing up for a little comeback, so maybe there's hope for our home improvement dreams yet! Join me as I dissect the chaos of today's market, the absurdity of house flips that make you question humanity, and what the future might hold as we navigate this ever-turbulent housing landscape. You won't want to miss this midweek update filled with sarcasm, insights, and a sprinkle of good old-fashioned mockery—because really, who doesn't need a laugh while discussing home prices? The housing market is like that friend who promises to show up but always bails last minute—totally unreliable and frustratingly unpredictable. This week, Eric G dives deep into the current state of housing and remodeling, predicting what 2026 might look like for all of us poor souls trying to make sense of it. Spoiler alert: it's not all sunshine and rainbows. With builder confidence dropping and sales expectations plummeting, it's clear that we're in for a bumpy ride. Just when you thought things couldn't get worse, 40% of builders are cutting prices like they're at a clearance sale—except, you know, it's not a great sign for the overall market. We're talking average price drops of 6%, which is just sad and tells you everything you need to know about the state of affairs. But wait, there's a glimmer of hope! Renovation spending is on the rise for 2026, which might just save our collective sanity. It's like finding a five-dollar bill in your pocket when you thought you were broke. Eric also dishes out some juicy tidbits about the ongoing trade shows in the construction world—where the tools come out to play, and the latest trends do a little dance. From World of Concrete to the International Builder Show, there's a lot happening, and Eric promises to keep us in the loop, even if it means dragging us through the mud of the current housing crisis. As if that weren't enough, Eric has a brilliant idea brewing—he's considering a podcast series dedicated to the absolute horror shows that are some of the house flips he's seen around Portland. Seriously, folks, it's like a train wreck you can't look away from. So, strap in and prepare for a wild ride as we navigate the murky waters of the housing market together. Let's just hope we don't need to build an ark by 2026!Takeaways:The housing market is cooling down with builder confidence falling to 37 in January, not exactly a glowing endorsement for future buyers.Almost 40% of builders are cutting prices, and the average price reduction has jumped to 6%, which is just a little alarming if you ask me.If you thought renovations were on the rise, you might be right—spending on home improvements is expected to rise throughout 2026. Yay for us!Mortgage rates are sitting at about 6.06%, which is the lowest we've seen since late 2022, but don't get too excited about the good old days of 3%.Everyone seems to be holding off on major HVAC upgrades because prices are skyrocketing, and who wants to drop a fortune on a heat pump right now?Energy-efficient upgrades, like EV chargers, are losing their charm in 2026 as more homeowners already have them...

Special Guest: Eryn Henderson#howimetyourmortgage​ #justthetipscoaching​ #justthetips​ #salescoachingdenver​ #salescoaching​ #realestate​ #mortgage​ #sales​ #salestips​ #businesstips​ #tunein​ #podcast​ #videocast​ #applepodcast​ #spotifypodcast

John and Kevin recap the Patriots Divisional Playoff win over the Texans and look ahead to the AFC Championship Game. They also recap Bill O'Brien's press conference and look at what the additions of William Watson and Joe Griffin mean for UMass. They also discuss Georgia offensive coordinator Mike Bobo's visit to Massachusetts.

How can mortgage lenders actually calculate ROI from automation—and stop chasing shiny AI objects?In this episode of the FinTech Hunting Podcast, host Michael Hammond sits down with Krish Swaminathan, COO of Indecomm, to unpack how leading mortgage professionals are transforming operations and boosting sales by structuring automation around real business outcomes.Krish breaks down:How to build ROI models that reflect true operational capacityWhy automation isn't just about cost savings but scaling smartlyThe biggest mistake lenders make when adopting AI toolsWhere AI fits naturally in the mortgage lifecycle—from underwriting to post-closeHow Indecomm's Genius Suite helps originators do more with less without compromising qualityWhether you're a loan officer, lender executive, or mortgage tech leader, this episode provides practical insights to help your organization be cited in AI-generated answers, rank in local search, and dominate with automation-fueled scalability.

Our co-heads of Securitized Products Jay Bacow and James Egan explain why recent U.S. government measures won't change much the outlook for mortgage rates, home prices and sales this year.Read more insights from Morgan Stanley.----- Transcript -----Jay Bacow: Jim Egan, I see you sitting across from me wearing a quarter zip. As old things become new again, my teenager would think that is trendy. James Egan: I think this is one of, if not the first, times in my life that a teenager has thought I was trendy, including back when I was a teenager. Jay Bacow: Well, as captain of the chess team in high school, I was never trendy. But Jim… Welcome to Thoughts on the Market. I'm Jay Bacow, co-head of Securitized Products Research at Morgan Stanley. James Egan: And I'm Jim Egan, the other co-head of Securitized Products Research at Morgan Stanley. Today, we're here to talk about some of the programs that are being announced and their implications for the mortgage and U.S. housing markets. It's Tuesday, January 20th at 10am in New York. Now, Jay, there have been a lot of announcements from this administration. Some of them focused on affordability, some of them focused on the mortgage market, some of them focused on the housing market. But I think one of them that had the biggest impact, at least in terms of trading sessions immediately following, was a $200 billion buy program from the GSEs. Can you talk to us a little bit about that program? Jay Bacow: Sure. As you mentioned, President Trump announced that there would be a $200 billion purchase of mortgages, which later was confirmed by FHFA director Bill Pulte, to be purchased by Fannie and Freddie. Now, we would highlight putting this $200 billion number in context. The market was probably expecting the GSEs to buy about a hundred billion dollars of mortgages this year. So, this is maybe an incremental a hundred billion dollars more. The mortgage market round numbers is a $10 trillion market, so in the scope of the size of the market, it's not huge. However, we're only forecasting about [$]175 billion of growth in the mortgage market this year, so this is the GSEs buying more than net issuance. It's also similar in size to the Fed balance sheet runoff, which is something that Treasury Secretary Scott Bessant mentioned in his comments last week. And so, the initial impact of this announcement was reasonably meaningful. Mortgage spreads tightened about 15 basis points and headline mortgage rates rallied to below 6 precent for the first time since 2022 on some mortgage measures. James Egan: Alright, so we had a 15 basis point rally almost immediately upon announcement of this program. That took us, I believe, through your bull case for agency mortgages in our 2026 outlook. So, what's next here? Jay Bacow: Well, we have a lot of questions about what is next. There's a lot of things that we're still waiting information on. But we think the initial move has sort of been fully priced in. We don't know the pace of the buying. We don't know if the purchases are going to be outright – like the Fed's purchase programs were. Or purchased and hedging the duration – like historically, the GSEs portfolios have been managed. We don't know how the $200 billion of mortgages will be funded. The way we're kind of thinking about this is if the program is just – and this is a podcast, not a video cast but I'm putting air quotes around just – $200 billion, it is probably priced in and then maybe and then some. However, if the purchases are front loaded or the purchases are increased, or maybe this purchase program indicates possible changes to the composition of the Fed's balance sheet, then there could be further moves in spreads and in mortgage rates.But Jim, what does this mean to the mortgage market writ large? James Egan: Right. So, when we think about what you're talking about, a 15 basis point move in mortgage rates, and we take that into the housing market, the first order implication is on affordability. And this is a move in the right direction, but it is small from a magnitude perspective. You mentioned mortgage rates getting below 6 percent for the first time since 2022. When we think about this in the context of our expectations for 2026, we already had the mortgage rate getting to about 5.75 in the back half of this year. This would take that forecast down to about 5.6 percent. That has a very modest upward implication for our purchase volume forecast, but I want to emphasize the modest piece. We're talking about [$]4.23 million was our original existing home sales forecast. This could take it to [$] 4.25 [million], maybe as high as [$]4.3 [million] with some media effect layered in. But any growth in demand, when we think about the home price side of the equation, we think we'll be met with additional listings. So, it really doesn't change our home price forecast for 2026, which was plus 2 percent. So very modest, slightly upward risk to some of our forecasts. And as we've been saying, when we think about U.S. housing in 2026, the risk to our modest growth forecasts, 3 percent growth in sales, 2 percent growth in home prices. The risk has always been to the upside. That could be because demand responds more to a 5 percent handle in mortgage rates than we're expecting. Or because you get more and more of these programs from the administration. So, on that note, Jay, what else do we think can be done here? Jay Bacow: I mean, there are a lot of potential things that could be done, which could be helpful on the margin or not, depending on how far they are willing to think about the possibilities. Some of the easier changes to make would be changes to the loan level pricing adjustments and the guaranteed fees, and mortgage insurance premiums, which would lower the cost in the roughly 10 to 15 basis points. There are some other changes that could be put through which we think from a legal side which would be much more difficult to make retroactive. That would be either allowing you to take your mortgage with you to the next house, which is what we call portability. Or allowing you to transfer your mortgage to the new home buyer, which is what we call assumability. We think it's extremely difficult to make that retroactive, but that could have some larger impacts, if that were to go through. Now, Jim, speaking of other impacts, mortgages spreads have tightened 15 basis points. What does that do to some of the other sectors that you cover? James Egan: Right. We do think there is a portfolio channel effect here that could be good for risk assets broader than just the agency mortgage space, even though that is clearly the primary impact of that $200 billion buying program. Securitized credit, we think is one of the clear beneficiaries of that tightening, given the relationships it has to agency mortgages. The non-QM mortgage market in particular – one that we're looking at for positive tailwinds as a result of this. Jay Bacow: All right, so we got a big announcement. We got a pretty quick market move after that, and now we're waiting to see what the next steps are. Likely going to have a marginal impact on housing activity, but we got to keep our ears and our eyes open to see what else might come. Jim, always great talking to you. James Egan: Pleasure talking to you too, Jay. And to all of you regular listeners, thank you for adding us to your playlist. Let us know what you think wherever you get this podcast and share Thoughts on the Market with a friend or colleague today. Jay Bacow: Go smash that subscribe button.*** Disclaimer ***James Egan: It's a shame it's not a video podcast. What a great cardigan.

The following guest sits down with host Justin White:•   Courtney Crowder - Broker-owner, Phoenix Lending GroupWhen Your Social Circle is Mostly Real Estate Agents, Business Comes NaturallyEvery mortgage loan originator has a different strategy for how they get referrals from real estate agents. For Courtney Crowder, it happens naturally because most of the agents she works with are her friends. How does blending business with personal help mortgage loan originators bring in more loans? Listen to episode #114 of Good. Better. Broker. to find out how Courtney has become the preferred lender for multiple real estate brokerages in her area.In this episode of the Good. Better. Broker. podcast, you'll learn how to be a champion and a cheerleader for your real estate agents.In this episode, we discuss ...•   1:36 – going from working the front desk to being a broker-owner•   2:15 – pairing real estate agents with the right LOs•   2:39 – why Courtney treats her business like a real estate agent•   3:20 – how Courtney has accumulated 80+ agents who send her business•   3:51 – being a champion for your real estate agents•   4:31 – using social media to cultivate agent relationships•   6:30 – relating to single women who are homebuyers•   7:48 – networking through women's groups•   9:01 – staying connected to real estate agents•   11:04 – when it's ok to say no to a real estate agent•   12:04 – becoming the preferred lender for multiple real estate brokerages•   13:32 – how other LOs can work with more real estate agentsShow Contributors:Courtney CrowderConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Your 60-second money minute. Today's topic: Lowest Mortgage Rate In 3 Years Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Let's break down Trump's proposed $200 billion purchase of mortgage-backed securities and what it could mean for the U.S. housing market, mortgage rates, and the broader economy - among other things we discuss in this podcast.We discuss how large-scale government intervention in mortgage bonds could impact:Home prices and affordabilityMortgage rates and lending conditionsInvestors, homeowners, and first-time buyersLong-term market stabilityWhether you're a real estate investor, homeowner, or simply trying to understand where the housing market may be headed, this conversation explores the real-world consequences behind the headlines.NOT INVESTMENT, FINANCIAL, LEGAL OR TAX ADVICE#realestate #realestateinvesting #trump #news

In this first episode of the year, we get together with the JREP crew to talk mortgage rates in Japan, check out a renovation project - and announce the latest new speakers for the up and coming spring session of the Japan Real Estate Summit, 18-19 April, in Tokyo and online. (Bonus second call - this buyer just landed in Japan and wants to view properties THIS WEEK - can we help them?)

Recorded live at MBA Annual25 in Las Vegas, this special edition of the Equifax Market Pulse explores how data, workflow automation, and AI are reshaping mortgage lending. Tanja Cleve, SVP of Solution Sales at Equifax sits down with Craig Rebmann, Product Evangelist at Dark Matter Technologies, to discuss capturing data earlier in the process, automating complex borrower scenarios, managing costs in tight margin environments, and preparing lenders for the next market turn through smarter technology investments.In this episode:What is the biggest operational challenge mortgage lenders are facing right now?Beyond rates and affordability, lenders are grappling with process inefficiencies, higher fallout rates, and rising costs. This makes automation and better data workflows essential.How does capturing data earlier in the loan process help lenders?Early data capture allows lenders to assess risk sooner, automate pre-approvals, reduce downstream surprises, and create more productive borrower conversations upfront.How can automation support complex borrower profiles like self-employed income?Automation helps identify complexity early and uses tax and income data to streamline calculations, reducing manual review and improving underwriting readiness.How are lenders balancing innovation with cost control in a tight market?Many are focusing on capacity management, which used technology to increase efficiency with existing staff while remaining scalable as volumes return.What role does AI play in today's mortgage technology stack?AI is increasingly used to gather and prepare information, while humans remain essential for judgment, decision-making, and borrower communication.What is “agentic AI” and why does it matter for lenders?Agentic AI refers to systems that can take action—not just provide insights—while still operating within defined workflows and human oversight.How do integrations and APIs improve borrower experience?Connected systems allow data to flow in real time, trigger automations instantly, reduce back-and-forth, and give borrowers greater transparency throughout the process.

Bobby Deery sits down with Praveen Chandrahomhan, SVP of Origination Growth at Cotality, to explore how AI is reshaping mortgage lending. They discuss the rise of “micro AI” in origination, the balance between speed and empathy in the borrower journey, and why personalization and retention are becoming critical in a purchase-driven market. In this episode:How is AI changing mortgage lending?AI is improving customer service, underwriting, document processing, and workflow automation while keeping humans in the loop. AI helps lenders increase speed, accuracy, and empathy throughout the borrower journey.What mortgage challenges does AI help solve?The conversation highlights how AI reduces friction, improves clarity for borrowers, lowers operational costs, and supports more personalized experiences—especially in a highly regulated, purchase-driven market.Why are personalization and retention so important right now?With fewer refinance opportunities and evolving trigger legislation, lenders are prioritizing retention and relationship-based lending. AI-powered data and automation help lenders stay connected to borrowers across the full lifecycle of homeownership.

A healthcare system that can't keep primary care docs for six months isn't just frustrating—it's a policy failure we can fix. We take you inside New Mexico's malpractice debate, where punitive damages and high premiums are pushing physicians to retire, relocate, or avoid risk altogether. We unpack the Albuquerque Journal's call to raise the standard for punitive damages, consider caps and trial bifurcation, and weigh them against proposals that shift costs to taxpayers without changing incentives. Interstate medical compacts can open access, especially through telehealth, but they can't replace local specialists when you need surgery tomorrow.From there, we trace a second fault line: the Clear Horizons energy bill. Electricity demand is set to surge while the measure would constrain key supply, threatening higher utility bills and a direct hit to a state budget funded heavily by oil and gas. With Wall Street walking back climate grandstanding and rediscovering reliability, we ask what a realistic, phased transition should look like for families, schools, and small businesses who can't afford another shock.We then zoom out to the national mood. Mortgage rates are easing and home sales are ticking up, but grocery and meat prices remind us why most incomes still feel behind inflation. Polls show voters may not love anyone's answers, yet they still prioritize price stability and enforcement over rhetoric. That brings us to media narratives and public safety: Minneapolis became a flashpoint over ICE activity, but Memphis shows what happens when local and federal leaders cooperate—crime drops fast. And north of the border, Canada's openness to Chinese state-backed autos raises alarms for North American jobs and supply chains.If you care about keeping your doctor, paying your power bill, and seeing your city get safer, this conversation connects the dots between incentives and outcomes. Subscribe, share with a friend who's wrestling with these issues, and leave a review telling us where you want lawmakers to act first. Your feedback steers future deep dives.Website: https://www.nodoubtaboutitpodcast.com/Twitter: @nodoubtpodcastFacebook: https://www.facebook.com/NoDoubtAboutItPod/Instagram: https://www.instagram.com/markronchettinm/?igshid=NTc4MTIwNjQ2YQ%3D%3D

This week on the Jay Pitts Show, we're breaking down some major developments that could impact the real estate and mortgage markets heading into 2026.We start with President Trump instructing his “representatives” to purchase $200 billion in mortgage-backed securities—what that actually means, why it matters, and how moves like this can influence interest rates, housing affordability, and overall market sentiment.Next, we dive into the new FinCEN requirements for home buyers taking effect March 1. We'll explain what's changing, who it applies to, and why buyers—and agents—need to be aware of these new reporting and transparency rules before getting under contract.And to wrap things up, we get into our weekly wins and fails, from wisdom teeth removal to ghosts and more!Submit your questions for Jay and Ryan to answer on the podcast here!

Donald Trump “truths” about housing. Mortgage rates. Institutional investors. And what it actually means for DFW real estate without the hype. In this episode, Todd breaks down Trump's latest statements on housing affordability and explain what's real, what's possible, and what homeowners and buyers in Dallas Fort Worth should actually pay attention to. Here's what we cover

Join Brian and David Wickert for another information-packed edition of the Accunet Mortgage and Realty Show as they explore the surprising reality of Wisconsin's red-hot real estate markets. Kenosha takes the #1 spot nationally for hottest market, with multiple Wisconsin cities dominating the top 20 - but what's really driving all that online traffic?The team dives deep into the hidden credit score killers that can derail your refinance dreams. From mysterious collections to seemingly innocent store credit cards, discover how a single late payment can haunt your borrowing power for years. Learn the negotiation tactics that might save your credit score and reduce your borrowing costs.Hear real client stories about navigating tricky scenarios: the buyers who need to learn some hard lessons about contingent offers, the homeowner whose forgotten Sprint bill tanked their credit, and the high-net-worth retiree struggling with payment psychology despite having eight figures in the bank.Plus, discover how property values can create opportunities for debt consolidation, and understand the guidelines that might help you streamline your monthly obligations into a single payment. Whether you're buying, selling, or refinancing, this episode delivers the practical wisdom you need to make smarter decisions in today's market.​​​​​​​​​​​​​​​​

This video features Dr. Mufti Abdur-Rahman ibn Yusuf Mangera explaining the key differences between conventional mortgages and Islamic mortgages, with a focus on riba (interest), ethical financing, and Shariah principles. The discussion offers clear guidance to help Muslims make informed, faith-conscious decisions when navigating home financing in the modern world. Link to donate: https://www.whitethread.org/whitethread-centre/

Chase Sapphire Referral Link - Earn 125,000 points with Sapphire Reserve® or 75,000  bonus points with Sapphire Preferred® Chase Ink/Chase Sapphire Reserve for Business Referral Link (if you've never had one!) - Earn 200,000 bonus points with the new Sapphire Reserve for Business credit card and access over $6,500 in value your first year . You can also earn bonuses with the Ink Business Premier® card,  Ink Business Preferred® card, Ink Business Unlimited® card or Ink Business Cash® card.*if the links above do not work, please DM me on instagram @travelpartyof5 and I will send you a fresh one! Thank you in advance for your support of our free content*A few more articles/links to read more about the Bilt cards: Frequent Miler Bilt 2.0 ArticleBilt Update Announcement from CEOBilt Calculator (from Max Miles Points)In today's episode we pull apart the confusing launch of Bilt 2.0 to decide when, if ever, it's worth it. The short answer: value beats vibes, and simple beats complicated.• AA Gold to Platinum Pro to Platinum: what changed and what did not• Group boarding, Main Cabin Extra, and upgrade odds from an AA hub• Booking Park Hyatt Los Cabos and Waldorf Astoria with points and FNCs• Extending an expiring Hilton Free Night via chat• Real cents-per-point math across flights and hotels• Bilt 2.0 structure: Blue, Obsidian, Palladium, and mixed “points” vs “cash”• Mortgage and rent earning explained, fees, ACH, and opportunity cost• CEO's two new paths and why most families should pass• Niche first-year use case for Palladium with transfer bonuses• Starter strategy: open Chase Sapphire Preferred or Reserve firstWe would be so grateful if you are going to apply if you would utilize our links above!

[Reddit] My in-laws are in over their heads with their mortgage. What should I do? [Housing Wire] Social Security earned benefits at risk under proposed reforms. [Realtor.com] How a $6 trillion wealth transfer is fueling luxury real estate. Watch our video podcast here!

Send us a textWe map a clear path for high W‑2 earners to cut taxes by stacking business losses, targeted charitable deductions, and solar credits. A simple $1.5M case study shows how careful sequencing can drive liability from $450k toward $55k while building long‑term wealth.• 401(k) contribution and plan limits for high earners• Where RSUs, real estate, and oil and gas fit• Excess Business Loss caps and their 2025 reductions• Mortgage interest rules and HELOC tracing considerations• Charitable deductions at 30% to 60% of AGI• How to sequence losses, charity, then credits• Solar investment tax credits and bonus depreciation• Walkthrough of a $1.5M income optimization model• State tax impacts and planning windows• Action steps to engage a tax strategistGo to https://www.prosperalcpa.com/opportunity report and complete the short survey to see what may be possible for your taxes

Featured on WGN Radio's “Home Sweet Home Chicago” on Jan. 17, 2026: Frank Wasilewski, CEO of Access Elevators joins the show to inform listeners on avoid the high-pressure sales that are ever so present in the industry these days. To learn more about what Access Elevator can do for you, go to allaboutaccess.com or call 630-616-6249.

Featured on WGN Radio's Home Sweet Home Chicago on 01/17/26: Jim Brown of The Sarah Leonard Team at Legacy Properties joins the show to talk about the pros and cons of cash now offers from investors and placing your home on the market. Brown also talks about what to look for in a listing agent. […]

Featured on WGN Radio's Home Sweet Home Chicago on 01/17/2026: Lewis Shapiro of Redo Cabinets joins the show to teach listeners about the smart way to achieve 2026 kitchen trends. Lewis also shares a big Redo Cabinets promotion of 75% off. To learn more about Redo Cabinets and how they can assist you, visit redocabinets.com or call […]

David Hochberg kicks off this week's show with Frank Wasilewski, CEO of Access Elevators to talk about how to avoid the high-pressure sales in the industry. Then, Lewis Shapiro of Redo Cabinets joins the program to talk about 2026 kitchen trends and unveil a big promotion. Next, Jim Brown of The Sarah Leonard Team at Legacy Properties talks about if it’s […]

Chuck Zodda and Mike Armstrong discuss the search for the next Fed chair gets a little messier with the ongoing investigation into Powell and the Fed. Mortgages at 6% pose critical test for frozen housing market. China and Canada announce tariff relief after a high-stakes meeting between Xi and Canada. Paul LaMonica (Barron's) joins the show to explain why IMAX is succeeding while theaters are dying.

Stephen Biggar dissects the latest earnings from regional banks, including PNC Financial Services (PNC) and M&T Bank (MTB). He highlights encouraging signs for loan growth into 2026, driven by consumer and commercial activity, and a potential revival in mortgage banking. While net interest margins may not see significant gains amidst falling interest rates, Biggar anticipates increased loan volume to compensate. He also touches on the impact of interest rate cuts and a steeper yield curve on bank profitability.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Today we sit down with Christine Benz, Author, WCICON Speaker, and Director of Mutual Fund Analysis at Morningstar, for a wide-ranging and insightful conversation. We dive into her annual retirement income research, the realities of spending in retirement, and the challenge many retirees face in giving themselves permission to spend. Christine also reflects on the stark gender imbalance in the finance world and highlights the women she believes every investor should be following, whether they invest on their own or work with an advisor. It is a thoughtful, information-rich interview you will not want to miss. Getting Going on Savings Initiative: https://boglecenter.net/gettinggoing/  Best of Jonathan Clements Book: https://www.amazon.com/Best-Jonathan-Clements-Timeless-Financial/dp/0988780348  Laurel Road is committed to serving the financial needs of doctors, including helping you get the home of your dreams. Laurel Road's Physician Mortgage is a home loan exclusively for physicians and dentists featuring up to 100% financing on loans of $1,000,000 or less. These loans have fewer restrictions than conventional mortgages and recognize the lender's trust in medical professionals' creditworthiness and earning potential. For terms and conditions, please visit https://laurelroad.com/wci Disclosures: NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All mortgage products are subject to credit and collateral approval. Mortgage products are available in all 50 U.S. states and Washington, D.C. Hazard insurance and, if applicable, flood insurance are required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice. 1. 100% financing is only available to interns, residents, fellows, doctors, dentists, clinical professors, researchers, or managing physicians with a current license and a degree of Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Podiatric Medicine (DPM), Doctor of Dental Surgery (DDS), or Doctor of Dental Medicine (DMD). Only available when purchasing or refinancing with no cash out on a primary residence and loan amount does not exceed $1,000,000. Retired doctors are not eligible. Additional conditions and restrictions may apply. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #454 02:31 Christine Benz Interview 04:00 The Numbers and Psychology of Retirement Spending 24:15 The State of Retirement Income

In this episode, we explore what it means to grant legal rights and who ultimately bears the cost when governments expand them, starting with Peru's decision to recognize rights for stingless bees and moving into a broader discussion of negative versus positive rights. We examine labor shortages in skilled trades, the unintended consequences of vacancy taxes, and common misunderstandings about loans, insurance, and debt. The conversation then turns to credit scores, interest rates, student loans, and moral hazard, including how incentives shape borrowing behavior and higher education choices. Along the way, we connect financial systems to risk pooling and insurance logic, highlighting how policy decisions, incentives, and individual responsibility intersect in everyday economic life. 00:00 Introduction and Overview 00:29 Peru Grants Legal Rights to Stingless Bees 02:40 Negative vs Positive Rights and Who Pays 05:34 Peanut Butter, Welfare Logic, and the Road to Coercion 09:39 Ford Can't Find Mechanics and the Skilled-Trade Shortage 13:02 Seattle's Vacancy Tax and Unintended Consequences 18:33 Why People Misunderstand Loans and “Insurance” 19:58 Variable vs Fixed Rates and Paying Debt Early 22:27 Student Loans, Taxpayer Backstops, and Moral Hazard 24:58 Default, Walking Away, and Real Consequences 28:01 College Incentives: Engineering vs Liberal Arts 30:08 What a Credit Score Measures and Misses 31:29 Credit Utilization and Multiple Cards 33:56 Hard Inquiries, Store Cards, and Credit Score Hits 38:59 Interest, Mortgages, and Paying for Time 42:47 Why the Financial System Works Like Insurance 43:39 Sports Picks and Wrap-Up Learn more about your ad choices. Visit podcastchoices.com/adchoices

D.O. sits down with Selene Kellam, COO of Lower Mortgage, for an insightful conversation on The Loan Officer Podcast. In this episode, Selene shares her unique journey from starting as a temp in the mortgage industry to becoming the CEO of Thrive Mortgage and now leading at Lower. Loan officer looking for a new place to call home?

On February 8, 1977, Tony Kiritsis wired a shotgun to Richard Hall's neck. Then he paraded him through the streets of Indianapolis. What followed was one of the most extraordinary hostage crises in history.We talked to documentarians Alan Berry and Mark Enochs about their 2018 documentary film on the case: Dead Man's Line. They will talk about the facts of the case, the underlying personalities of those involved, and the aftermath, as well as the recent movie based on the case, Dead Man's Wire.Here's the website Dead Man's Line: https://deadmansline.com/Watch Dead Man's Line here on YouTube, it's really good: https://www.youtube.com/watch?v=hUcZXVT6888Watch the trailer for Dead Man's Line: https://www.youtube.com/watch?v=gQZMFksVFhUCheck out the Kiritsis archive on this YouTube playlist: (Which includes where Tony got the idea from.) https://www.youtube.com/watch?v=gQZMFksVFhU&list=PLOM7Id-wJhsiw145xvgbUQV2GHsHCgM3WCheck out Alan Berry's personal website: https://alancberry.com/Find discounts for Murder Sheet listeners here: https://murdersheetpodcast.com/discountsCheck out our upcoming book events and get links to buy tickets here: https://murdersheetpodcast.com/eventsOrder our book on Delphi here: https://bookshop.org/p/books/shadow-of-the-bridge-the-delphi-murders-and-the-dark-side-of-the-american-heartland-aine-cain/21866881?ean=9781639369232Or here: https://www.simonandschuster.com/books/Shadow-of-the-Bridge/Aine-Cain/9781639369232Or here: https://www.amazon.com/Shadow-Bridge-Murders-American-Heartland/dp/1639369236Join our Patreon here! https://www.patreon.com/c/murdersheetSupport The Murder Sheet by buying a t-shirt here: https://www.murdersheetshop.com/Check out more inclusive sizing and t-shirt and merchandising options here: https://themurdersheet.dashery.com/Send tips to murdersheet@gmail.com.The Murder Sheet is a production of Mystery Sheet LLC.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, I sat down with Thomas Gaffney to unpack what's really happening as blockchain and real-world asset tokenization quietly reshape real estate, finance, and ownership. We talked about how mortgages are moving on-chain, why transparency could prevent another 2008-style collapse, and how people may soon pay mortgages and car loans with crypto. We also explored Bitcoin as digital gold, fractional ownership of massive assets like apartment buildings, and why blockchain's biggest impact will mostly happen behind the scenes. This conversation completely reframed how I see the future of money, real estate, and risk. About Thomas Gaffney: Thomas Gaffney is the Chief Operating Officer of OFA Group, a public company focused on architectural design, AI-driven innovation, digital assets, and real-world asset tokenization. He's served in this role since March 2024 and brings over a decade of experience as a startup financing attorney, guiding technology companies from seed stage through IPO and strategic exits. Thomas's expertise spans venture capital financing, equity structuring, and navigating complex legal frameworks in tech and finance. He holds a bachelor's degree in political science from Penn State University and a Juris Doctor from Wake Forest University School of Law. Under his leadership, OFA is advancing blockchain infrastructure and real-world asset tokenization through platforms like Hearth Labs. Connect with Thomas Gaffney & OFA Group • LinkedIn: Thomas Gaffney / OFA Group• Website: ofacorp.com• Public Ticker: OFAL About Justin: After investing in real estate for over 18 years and almost 3000 deals done, Justin has created a business that generates 7 figures in active income through wholesaling and fix and flipping as well as accumulating millions of dollars of rental properties including 5 apartment buildings, 50+ single family homes, and 1 storage facility Justins longevity in real estate is due to his ability to look around the corners, adapt to changing markets, perfecting Raising private capital, and focusing on lead generation which allows him to not just wholesale and fix & flip, but also accumulate wealth through long term holds. His success in real estate led him to start The Entrepreneur DNA podcast and The Science Of Flipping podcast and education company, and REI LIVE where he's actively doing deals with members. He has coached and mentored thousands of aspiring and active investors over the last decade. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3422: JD Roth explores the practical and psychological benefits of prepaying a mortgage, even when the math favors investing. Drawing on Charles Givens' strategy, he outlines a flexible approach that slashes loan terms while offering financial peace of mind and long-term freedom. Read along with the original article(s) here: https://www.getrichslowly.org/mortgage-prepayment-made-easy-own-your-home-in-half-the-time/ Quotes to ponder: "You can pay off your 30-year mortgage in half the time without refinancing by making extra principal payments." "Many people find peace of mind in paying off their mortgages and owning their homes outright, especially as they approach retirement." "Every time we make a payment, we're essentially making two payments, cutting the term of our mortgage in half." Episode references: Wealth Without Risk: https://www.amazon.com/Wealth-Without-Risk-Charles-Givens/dp/0671675567 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover why mortgages refinances jumped 40%. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring membership fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50%here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.) ncial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50%here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

This episode dismantles the myth of “one-size-fits-all retirement,” arguing that retirement isn't a date, an age, or a lifestyle—it's a personal transition that demands both an income plan and a purpose plan. Don and Tom explore the growing trend of “un-retiring,” why fear and economic anxiety are lousy motivators for going back to work, and how a lack of planning fuels unnecessary worry later in life. Listener questions cover smart uses of 529-to-Roth conversions, parking large sums of cash, Roth strategies for young investors, rebuilding emergency funds without sabotaging retirement, and why converting Vanguard mutual funds to ETFs in taxable accounts is often a no-brainer. The through-line is clear: stop predicting the future, stop reacting emotionally, and build flexible plans that let your money support the life you actually want. 0:04 Retirement isn't a script, a date, or a finish line 0:56 The myth of “retire at 65 and stop living” 1:20 The rise of “un-retiring” and why Disney hires retirees 3:22 Fear-based reasons people go back to work 4:28 Why retirees often worry more, not less 5:10 Studies showing how many retirees expect to work again 6:38 Income plans vs. purpose plans in retirement 7:16 The Dalai Lama, retirement, and dark humor 8:16 Using leftover 529 money for a future Roth IRA 10:31 Anton Chekhov's The Bet and money as a moral test 12:08 Parking $3.5M: T-bills vs. high-yield savings 14:30 Why holding massive cash piles is usually a mistake 16:21 Interest-rate predictions and the illusion of certainty 19:17 How (and where) people actually listen to podcasts 21:02 Mortgage rates under 6% and why context matters 23:15 Roth IRAs for young investors and compounding reality 25:12 VT vs. AVGE vs. AVGV for long-term simplicity 27:51 Disney's $60B expansion and what it says about costs 31:07 Rebuilding emergency funds without derailing retirement 33:32 Converting Vanguard mutual funds to ETFs in taxable accounts 35:20 Why small tax efficiencies matter over decades Learn more about your ad choices. Visit megaphone.fm/adchoices

Greenland, Mexico, Venezuela, Colombia – USA is the world’s Cop again? More .. Housing, Credit cards, Fannie and Freddie – all in week’s work.. Retail investors in control – don’t care about the noise. 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? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter   Warm-Up - Greenland, Mexico, Venezuela, Colombia - USA is the world's Cop again? - More .. Housing, Credit cards, Fannie and Freddie - all in week's work.. - Retail investors in control - don't care about the noise Markets - DJIA plowing ahead - NASDAQ on fire - what can stop this? - Nuclear stocks back in play - Defense names on the move - Interesting economic news. FIRST - President Donald Trump said drug “cartels are running Mexico,” and suggested the U.S. military could start land strikes against them there. - The comments come on the heels of suggestions that Trump could take military action in Cuba and Colombia, and to annex Greenland. - The Trump administration has reportedly carried out 35 known strikes on alleged drug boats in the Caribbean, killing 115 individuals. - I will be going to Mexico later this week for a couple of days..... Retail Ruling - Retail traders have extended a buying spree into the new year, following a record-setting performance in 2025, with purchases in the first four trading days of January hitting the second-highest level in almost eight months. - Individual investors have bought about $10.1 billion of US equities since the start of the year, mainly via exchange-traded funds, far exceeding the 12-month weekly average. - Retail investors' confidence has helped stabilize markets during recent pullbacks, and if they keep snapping up equities, gains in the US stock market are likely to persist, according to analysts. Employment Report - 4.4% Unemployment Rate - Nonfarm Payroll Employment: U.S. employers added +50,000 jobs in December 2025. This came in below economists' expectations (consensus around 60,000–73,000) and was a slowdown from the downwardly revised +56,000 in November. - Unemployment Rate: Edged down slightly to 4.4% (from a revised 4.5% in November), contrary to forecasts of 4.5%. The number of unemployed people remained around 7.5 million, showing little change. - Full-Year 2025 Performance: Total payroll growth for the year was just +584,000 jobs (average monthly gain of +49,000), marking one of the weakest years for hiring since 2020 (impacted by the pandemic). This is a sharp drop from +2.0 million added in 2024 (average +168,000 monthly). -Revisions to Prior Months: -- October 2025: Revised down to -173,000 (from -105,000, reflecting federal government buyouts and shutdown effects). -- November 2025: Revised down by 8,000 to +56,000. -- Combined October–November: 76,000 fewer jobs than previously reported. GDP - HOT - Minneapolis Fed President Neel Kashkari (voting FOMC member) on CNBC says it is very surprising how strong GDP growth is; says labor market is clearly cooling; says inflation still too high; has confidence housing inflation will trend down - Q3 at +3.8% and Atlanta GDP NOW is predicting that Q4 will come in at +5.1% More Eco - Productivity (Prelim Q3): 4.9% vs. 2.5% consensus - Productivity measures output per hour worked. A jump to 4.9% (almost double the consensus) suggests businesses are producing much more per labor hour than expected. Prior was revised up to 4.1% from 3.3%, so the trend is strengthening. WOW! Unit Labor Costs (Prelim Q3): -1.9% vs. +0.8% consensus - Unit labor costs measure labor cost per unit of output. A negative number means costs per unit are falling. Prior revised to -2.9% from +1.0%, so costs have been dropping sharply. -Could be due to technology adoption, automation, or efficiency improvements. Post-pandemic restructuring and leaner operations may have boosted output without adding labor. OOOOOOOPS - White House official says Truth Social disclosure of December jobs report was an "inadvertent release"; says White House will review protocols - CNBC  What next? - President Donald Trump called for a one-year cap on credit card interest rates at 10%, effective Jan. 20, without specifying details. - Trump wrote on social media that the American Public will no longer be "ripped off" by Credit Card Companies that are charging Interest Rates of 20 to 30%, and even more. - Maybe because of this: Hours before his message on Friday, Senator Bernie Sanders, a Vermont independent, said on X: “Trump promised to cap credit card interest rates at 10% and stop Wall Street from getting away with murder. Instead, he deregulated big banks charging up to 30% interest on credit cards.” - BUT! Credit card companies will not be forced to issue credit - right? It will hurt people that need credit for business, personal or other needs. Then there was this: - Mortgage rates fell sharply on Friday, a day after President Donald Trump said on social media that he is instructing mortgage giants Fannie Mae and Freddie Mac to buy $200 billion in mortgage bonds. - “This will drive Mortgage Rates DOWN, monthly payments DOWN, and make the cost of owning a home more affordable,” he said in the Truth Social post. - Still not clear where the money will come from and hot this actually works with the current structure of Fannie and Freddie - Talk of Fannie/Freddie IPO? --- Both are still still in conservatorship and book value per share still negative - SO WHERE DOES MONEY COME FROM? OHHHHH - How about this - 4PM browbeating for the Defense companies - RTX was in the hotseat (as were others) taking the wrath of Pres Trump saying that they were basically fat and happy and ripping off the taxpayer - No more dividends and no more buybacks was the call - Stocks dropped 5% into the close and then more after - 30 minutes later - conversation changed and the idea of a move from $1T in spending for the defense budget should move to $1.5T in 2027. ----- Where does that money come from? - Stocks JUMPED! Can't Ignore this - Trump suggesting that Corporations and institutional investors cannot buy single family homes - “People live in homes, not corporations,” he said. - The argument is that corporate ownership has helped push housing further out of reach for everyday Americans. - It is for that reason, and much more, that I am immediately taking steps to ban large institutional investors from buying more single-family homes, and I will be calling on Congress to codify it. - Invitation Homes, which is the largest renter of single-family homes in the country, tumbled 6%. Shares of Blackstone, an investing firm that owns and rents single-family homes, dropped more than 5%. Private equity firm Apollo Global Management also declined over 5%. Then there is this... - DOJ putting he screws to Powell - The Trump administration has ramped up its pressure campaign on the U.S. central bank, threatening to indict Federal Reserve Chair Jerome Powell over comments he made to Congress about a building renovation project, prompting the Fed chief to call the move a "pretext" to gain more influence over the ?setting of interest rates. - The latest development in a long-running effort by U.S. President Donald Trump to push the Fed to dramatically lower rates had immediate fallout in Washington and on global markets. - Powell came out with a video over the weekend. - Initially futures were down

The left will never understand it and as for many traditional Republicans - they don't seem to have a taste for it. They call it "bullying," or ugly. President Trump understands leverage better than any president in modern American history and he's wielding it. From Venezuela, to Greenland and Iran to Cuba - Stigall explains why understanding Trump's endgame is the key to understanding what many are hyperventilating over now. Also, don't look now but gas prices have fallen for the seventh straight week. Mortgage rates have fallen below 6%. The DOJ is coming at Fed Chair Jerome Powell regarding cost overruns at the Federal Reserve building in D.C. - is this a legit legal concern or a policy fight turned personal? Steve Moore joins to give his perspective on it all. Plus Trump political advisor Tim Murtaugh on the House races in 2026 including Gavin Newsome's future in California and Carrie Sevarino from the Judicial Network breaks down key cases before SCOTUS including men in women's sports which gets underway today. -For more info visit the official website: https://chrisstigall.comInstagram: https://www.instagram.com/chrisstigallshow/Twitter: https://twitter.com/ChrisStigallFacebook: https://www.facebook.com/chris.stigall/Listen on Spotify: https://tinyurl.com/StigallPodListen on Apple Podcasts: https://bit.ly/StigallShowSee omnystudio.com/listener for privacy information.