Inflation feels like a wild ride.Is it stuck in high gear, or is it just a temporary phase?Lease and new prices are still down in the 12-month index.ISM services number contradicts to expected numbers of 52 and fell short to 49.4.Only 5,000 jobs created for leisure and hospitality out of 175,000.Are service businesses struggling, or is this a sign inflation might be slowing down?Learn how the Fed's strategy could impact your future: https://linktr.ee/kptalksdollarsandsenseIf you want to be contacted by the KP Talks Team about anything housing or mortgage related, click here:  https://hub.whisp.io/?pid=q8d75a85

Record-breaking $70 billion of Treasury sales auctioned this week.Big numbers coming up for the next quarterly refunding amount that will be announced by the Secretary of Treasury, Janet Yellen.Above $1.6 trillion quarterly announcement will rattle the markets.We kept the inflation to 0.3% and markets did not sell off in return. Stock and bond markets rallied despite inflation number at 4.7%2.8% on the PCE was not good but not as bad as feared.Find out what it means for you. Learn more here! https://linktr.ee/kptalksdollarsandsense#KPTalksDollarsAndSense #Treasury #Debt #MarketWatch #Inflation #Investing #Refunding #MarketImpact #InflationNumbers #MarketReaction #InvestmentTips #FinancialLiteracy

Shifting from stocks to safer bets with yields going up in the Treasury market.More and more selling pressure in the stock market as yields go up.Gold has been going up while Bitcoin is halving.Bitcoin is digital gold. 60 to 70 companies are reporting earnings this week which is a very big deal. Personal Consumption Expenditure is the Fed's preferred measure of inflation.Inflation, cost of money, and velocity of money matter.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#KPTalksDollarsAndSense #MarketInsights #BitcoinHalving #InvestmentStrategies #CryptocurrencyTrends #StockMarketAnalysis #InflationInsights #PCEreport #FinancialNews #InvestmentTips #KPTalks

The CPI is at 45% of the index attributed to shelter, housing, and owner's equivalent rent. Auto costs, including insurance, saw a notable rise, with month-over-month increases.Is the 3% the new 2%? When will the Fed give up?Auto insurance and housing are the outlier for the majority of CPI components that stayed under the 3% threshold.50 of the top metro cities, renting has become more affordable than buying.Stay tuned for the next update on the numbers. https://linktr.ee/kptalksdollarsandsense#KPTalksDollarsAndSense #CPI #EconomicTrends #HousingAffordability #FedPolicy #RentingVsBuying #FinancialInsights #Inflation #MarketAnalysis #StayInformed #EconomicShifts #KPTalks

The jobs report has been making waves, with 303,000 new jobs added. Fed's mandate isn't just about job creation but a balance between inflation, price stability, and full employment.  Fed's moderate long-term interest rate mandate is at 2.5% of our GDP. It's a balancing act like no other, and the stakes couldn't be higher.Cathie Wood expects by 2050, net interest could soar to a jaw-dropping 6% of our GDP. That is not sustainable! Wage inflation dropped from 4.3% to 4.1% year-over-year and month-over-month.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#KPTalks #JobsReport #FedPolicy #Inflation #WageInflation #EconomicInsights #CathieWood #FiscalPolicy #MonetaryPolicy #GDP #InterestRates #MarketAnalysis #SpringBreak #NewportBeach #CatalinaIsland #StayInformed

The Fed's mission is to stay "data-dependent" has us all glued to our screens, and analyzing its every move.The Fed's every decision impacts our businesses, from investment strategies to staffing levels and beyond.We are witnessing manufacturing data expansion numbers, signs that are all pointing toward growth. Inflation, job market, interest rates, and more hold the key to our business success in the coming months.GDP figures paint a picture of resilience, the stage is set for a dynamic second quarter.Listen, follow, and stay informed.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#KPTalksDollarsAndSense #EconomicInsights #BusinessStrategy #FinancialForecast #MarketTrends #JobsWeek #FedRateCuts #InflationAnalysis #GrowthOpportunities #StayInformed #GoodFriday #KPTalks

AI is revolutionizing productivity in our industry.Mortgage Collaborative? It's like a powerhouse of independent mortgage bankers, credit unions, and banks all vibing together to revolutionize the industry.VA handbooks and realtor commissions had a change from NAR settlements for our veterans.We've got some major economic revelations headed our way with the Personal Consumption Expenditure announcement. It's not just about inflation, folks—it's about navigating a complex economic landscape.Insider info on IPOs, AI breakthroughs, and the next big tech rendezvous at the Mortgage Innovator Conference in Anaheim.Follow KP Talks to know more about the current news on the stock market.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#KPTalks #MortgageCollaborative #EmergingTech #Veterans #EconomicInsights #AIInnovation #MIC2024 #MarketTrends #GoodFriday #PCE #IPOs #IndustryDisruption #StayTuned

Industry giant ICE acquired Black Knight, creating a data and software powerhouse. Remember when you had to choose between fast, good, or cheap? Well, not anymore. Now, it's all about getting the best of everything at once.Software is boosting our productivity like never before. This productivity surge is shaking things up in the job market. Despite worries about wages going up, turns out productivity is keeping things steady.Get an edge with AI in your business.Technology is making everything easier and faster, from big offices to small shops.Think AI is stealing your job?  Not quite. Companies using AI are getting way more done, and their stocks are loving it.If you're worried about your job, learn how to use AI to work smarter, not harder.What does this mean for jobs? Don't miss out on the latest updates. Follow KP Talks on Spotify and Apple Podcast.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#ICE #IntercontinentalExchange #BlackKnight #TechBuzz #TechTalk #TechTrends #AIRevolution #ProductivityBoost #BusinessTech #DigitalTransformation #KPTalks #KPTalksDollarsandSense

The jobs report is confusing!Strong headline numbers masked revisions that point to a weakening labor market. Is this a growth scare for the economy?This could mean lower mortgage rates.Is the US economy hitting the brakes?Three major cities – St. Louis, New York, and Atlanta – are all saying the economy grew slower than expected this quarter.That's a big deal for the Fed who sets interest rates. Did they raise them too much, slowing things down? Did inflation peak in January, or is it still on the rise?Get your questions answered by listening and subscribing to KP Talks.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#Fed #GrowthScare #HiddenJobsCuts #EconomicInsights #JobMarketSlowdown #FedDecisionWatch #FederalReserve #CPI #interestrates #ConsumerPriceIndex #inflation #EconomicShifts #KPTalks #KPTalksDollarsandSense

Credit card debt hit a record high, jumping 4% in Q3 of 2023!But the good news is it's an opportunity for us. Our smart refinancing and home equity plans can offer cash to those who need it.Good news for homeowners. The equity in your home can be your secret weapon against debt. Who showed up on Super Tuesday? Will a third-party candidate shake things up? Will the government shut down again? Who knows!Big job market report!What does it mean for us? We'll see how many jobs are open - are there enough to go around?The number of people quitting their jobs (the "quit rate") tells us how strong the economy is.Stay tuned for the ADP numbers and the Bureau of Labor Statistics' 'February' jobs report.Don't miss out on the latest news  – subscribe now for updates.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#CreditCardDebt #DebtSurge #HomeEquity #EconomicChallenges #SuperTuesdaypredictions #KPTalks #KPTalksDollarsandSense"

How wealthy is the top 1% in America?The top 1% in America has a combined worth of $35 trillion.About 55% to 61% of their total wealth comes from investments in stocks and similar assets. The bottom 50% of Americans are all about real estate. Their combined worth is only $7 trillion, which is significantly less compared to the $35 trillion held by the top 1%.Here's the latest on treasury rates.It's been fluctuating around 4.25% to 4.29%, but it's yet to break past those critical levels of 4.34% or 4.41%. What's interesting is that our 10-year treasury is the highest in the world!While it's attracting a ton of attention and money, there's a catch. As U.S. taxpayers, we're footing the bill for those hefty interest payments on our debt.Is this the best way to manage the national debt? Listen and share your thoughts.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#Top1Percent #InvestmentStrategies #FinancialLiteracy #SocialEquity #AssetAllocation #WealthGap #TreasuryTrends #treasuryrates #TaxpayerAlert #GlobalFinance #HighYieldUSA #KPTalks #KPTalksDollarsandSense

NVIDIA's Q4 forecast is out of this world: 415% growth and $20 billion in revenue.How do they do it? Well, it's all about their expertise in semiconductors, chips, and top-notch software.AI is booming, and NVIDIA is right at the center of it all. From businesses to everyday tasks, automation, and productivity are on the rise.In other news, Goldman Sachs just made a big prediction.They predict the first cut won't happen until May.It all boils down to the Fed's promises. They promised 75 basis points of cuts this year, and I trust them to deliver.The Fed loves dropping hints. This week, we'll hear from key speakers, and the meeting minutes get released. Buckle up, these could be market movers.Curious to learn more? Listen and be informed.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#NVIDIA #AIRevolution #TechTalk #AIdriven #AIpower #Fedratecut #GoldmanSachs #Fed #FederalReserve #FinanceInsights #FedRateCutSpeculation #KPTalks #KPTalksDollarsandSense

Brace yourself for a headline number that might hit 2.9! But wait, there's a twist! The core, excluding food and energy, could spike to a whopping 3.6! 😲It's like watching a gripping drama unfold in real-time!We're swapping out last year's chilly January figures for this year's sizzling stats, promising some intriguing comparisons. But here's the burning question: will it send shockwaves through the market? Don't get blindsided, know your inflation numbers.Debt's on the rise, and it's got experts chirping. FHA delinquency rates just skyrocketed to 10.8%!Consumer debt is climbing, balances are up, and HELOCs balances are off the charts. Ever heard of the 2024 acronym? 2% growth, 0% chance of recession, 2% inflation, and 4% unemployment. Boom! They say capitalism without bankruptcy is like Christianity without hell. Fascinating, right? So, what's the deal with 2024? Listen now and find out more.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#inflation #marketwatch #InflationAlert #financialplanning #FinancialSavvy #InflationFight #MarketChallenge #EconomicInsights #2024Trends #MarketAnalysis #DebtDetective #Economy2024 #FinancialClues #FHA #BoomOrBust2024 #EconomicForecast #HELOCs #UnravelingTheFuture #KPTalks #KPTalksDollarsandSense

Non-banks dominate Ginnie Mae!That's right, according to the latest Mortgage Bankers Association's (MBA) Chart of the Week, independent lenders like us are leading the way in government-backed lending!Ginnie Mae deals with government loans like FHA, VA, and USDA, and we're here for the underserved, tackling the tough credit situations. Ever wondered where money flows when stocks hit their peak?When it seems like the stock market's tapped out, many folks start eyeing bonds. Why? Because they offer a solid 4.5% or 5% gain over the next year or two.Fun fact: Did you know that the period between the Fed stopping rate hikes and their first cut is often a sweet spot for stocks? On average, it lasts about 8 months.As temperatures drop, heating oil spending spikes, leading to intriguing shifts in oil prices.Surprisingly, despite being the world's top oil producer, the U.S. faces record-low inventories. What does this mean for pricing?With dwindling uncompleted wells and OPEC's stagnant production, brace for potential oil price surges. Want to know more? Listen now for more insights.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#MBA #GinnieMae #IMBs #GovernmentLoans #UnderservedCommunities #IndependentMortgageBankers #FHA #VALoans #USDALoans #refinance #StockMarket #Bonds #Investing #FedRates #FinancialInsights #SmartInvesting #stockmarketinsights #Fed #ratehike #KPTalks #KPTalksDollarsandSense

The world's markets are on FIRE!S&P hits an all-time high while China's markets are facing a 15% to 16% dip.Bears are growling, and cautious minds are whispering, but if you're not backing the top 6 or 7 businesses worldwide – Apple, Google, Meta – what's your strategy? 🧐 They're not flawless, but the cash keeps flowing! The question is: Are you stuck on the sidelines as the markets rip, or are you ready to join the winning team?Ever wondered about the impact of a 50-point rate cut in May? It's a major deal for the economy's lower tiers – significant savings on car loans and credit cards.But hold on, is Powell playing a strategic waiting game for the election?Follow now and know more about the current news on the stock market.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense #Mayratecut #RateCutRevolution #FinancialInsights #FinancialStrategies #ElectionInfluence #Fed #Fededalreserve #ElectionStrategy #S&P #SandP #Apple #Google #Meta #investsmart #InvestWisely #InvestmentInsights #KPTalks #KPTalksDollarsandSense

Ever wondered about the link between a softening economy and mortgage rates?The 2-year Treasury is making moves, signaling potential shifts in mortgage rates.Increased demand for Treasuries and mortgage-backed securities can also contribute to lower rates.The Bank of Japan is considering a rate hike after 16 years!  If Japan raises rates, US assets hit the sell button. Stocks and bonds take the scenic route back to Japan, where their market thrives.  Japan's debt is HUGE (225% of GDP!), so a rate hike could be risky. Compare that to the US at 123%, juggling a $34 trillion debt.Are you prepared for the unseen twists in the market? Listen and be ahead of the mortgage game.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#KPTalks #KPTalksDollarsandSense #2year #10yearyield #mortgagerates #MortgageMysteries #economy #EconomyShift #Treasuries #MortgageMysteries

Is March really off the table for the Fed's rate cut?CPI report caused a stir with a 0.4% inflation spike, leaving everyone anxious about March. Unravel the mystery behind the false narrative and where the truth lies.What's the deal with the trade deficit? Signs of a softening economy?The Fed fund futures contract might be misleading.Where will inflation trends and housing prices land in 2024?Eager to learn more? Listen and subscribe for exclusive economy and housing market insights.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#KPTalks #KPTalksDollarsandSense #HousingMarketInsights #Fed #Fedfunds #Fedfundscontract #FedMystery #FinancialInsights

Jobs report shocker: Big number, bigger problems?683k quietly vanished, labor force shrank, and full-time jobs melted like ice.676,000 people magically disappear from the workforce, impacting the unemployment rate at 3.7%. Unemployment at 6% for high school grad.The soft landing is history, and things are heating up for the Fed. Wage inflation's on the rise, but here's the twist – less hours, more hustle.Q1 is here, and it's feeling frosty. Follow now for insights that'll warm you up!  Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#KPTalks #KPTalksDollarsandSense #economictrends #winterblues #economicforecast #Q1forecast #economicchill #wageinflation #economicstorm #jobcrisis #unemploymentmystery #joblossalert #jobvanish #JobFade #EconomicMystery #UnemploymentMagic

What's next for the economy?Deflation is knocking on our doors, and we can't ignore it. China and Germany are deflating, and guess what? We're importing it. Slow growth and job losses might be next.The Fed is cutting rates, but will it be enough?Boomers got that equity cushion, but young bucks might feel the pinch. Is it unfair?Tune in, ask questions, and let's navigate this economic maze together.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts. https://linktr.ee/kptalksdollarsandsense#KPTalks #KPTalksDollarsandSense #DeflationDebate #JobsWeekDrama #MortgageMarketMadness #RealEstateTalk #deflation #mortgagemarket

Supply issues are heating up, and rates are dropping, creating a surge in demand.Remember the 5 million borrowers priced out at 8% rates? They're back in action now.According to NAR data, existing home sales unexpectedly soared by 0.8% last month. Don't miss out – seize the opportunity.Keep your eyes on the 10-year treasury—our mortgage rate compass.As it drops, bonds soar, and the stock market rises.With 110 basis points down in 60 days, it's a win-win.But the big question: how long will this winning streak last? 🤔Listen now and let's find out.Stay up-to-date on all the latest news, updates, and exclusive content by following us on all of our social media accounts.https://linktr.ee/kptalksdollarsandsense