Virta Health首席执行官萨米·因基宁表示，自己唯一感觉"成功了"的时刻是2008年还清10万美元债务时。他直到37 岁才拥有第一辆车，并且"享受简朴生活"。图片来源：Courtesy of Virta Health 人们一想到市值数十亿美元公司的首席执行官，很容易产生刻板印象：一位西装革履、精致得体的商业 精英，乘坐私人飞机在全球各地参加会议，身边总跟着助理团队。但并非所有企业家都会用浮华的生活 方式来享受成功的成果，有些人只是为终于还清学生贷款而心怀感激。 连续创业者萨米·因基宁在其20年的职业生涯中，一手创立了三家公司，并将其发展壮大，其中包括两 家独角兽公司。作为Virta Health的首席执行官，虽然他凭借商业成功积累了财富，但他并不在意自己的 净资产。事实上，因基宁直到还清银行账户里那笔10万美元的学生贷款，才第一次觉得自己算是"有钱 人"。 因基宁在接受《财富》杂志采访时表示："我人生中只有在那一刻觉得自己很富有。之后，我就再也没 有把心思放在钱上。"2008年，在与人联合创办房地产搜索公司Trulia三年后，他出售了一部分二级市场 股份，税前收入50万美元。"那时我终于有足够的钱还清 ...

Zillow Group (NASDAQ:ZG) is one of the 10 best real estate services stocks to buy according to hedge funds. On January 29, Trevor Young at Barclays upgraded his rating on Zillow Group (NASDAQ:ZG) from Underweight to Equalweight. He also raised the price target from $66 to $72, implying 34% upside. The favorable revisions were based on promising revenue and adjusted EBITDA growth anticipated for the coming year. Studio Grand Ouest/Shutterstock.com On January 13, the price target on Zillow Group (NASDAQ: ...

Core Insights - Current mortgage rates have decreased significantly, with the average 30-year fixed mortgage rate at 5.95%, down 53 basis points from early August, and the 30-year refinance rate at 6.07%, down 51 basis points since August, indicating a potential opportunity for homebuyers and those looking to refinance [1] Current Mortgage Rates - The national average 30-year fixed mortgage rate is 5.95% and the average 15-year mortgage rate is 5.43% [17][18] - The average 30-year refinance rate is 6.07% [5] Mortgage Payment Calculations - For a $300,000 mortgage at a 30-year term with a 5.95% rate, the monthly payment would be approximately $1,789, resulting in $344,047 in interest over the loan's life [9] - For the same mortgage amount at a 15-year term with a 5.43% rate, the monthly payment would increase to $2,440, with total interest paid being $139,222 [9] Fixed vs. Adjustable-Rate Mortgages - Fixed-rate mortgages lock in the interest rate for the entire loan term, while adjustable-rate mortgages (ARMs) have a fixed rate for an initial period before adjusting based on market conditions [10][11] - Some recent fixed rates have started lower than adjustable rates, suggesting a need for careful consideration when choosing between the two [12] Factors for Obtaining Low Mortgage Rates - Lenders typically offer lower rates to borrowers with higher down payments, excellent credit scores, and low debt-to-income ratios [13] - Focusing on personal finances rather than waiting for rates to drop is recommended for securing a lower mortgage rate [14] Choosing a Mortgage Lender - It is advisable to apply for mortgage preapproval with multiple lenders within a short time frame to facilitate accurate comparisons [15] - When comparing lenders, the annual percentage rate (APR) should be considered as it reflects the true annual cost of borrowing, including interest rates and fees [16]

Core Insights - The national average mortgage rates are currently favorable for many buyers and refinancers, with the average 30-year fixed mortgage rate at 5.91% and the 15-year fixed rate at 5.44% [1][16][17] Current Mortgage Rates - The average 30-year fixed mortgage rate is 5.91% and the 15-year fixed rate is 5.44% [1][16] - Other mortgage rates include: - 20-year fixed: 5.86% - 5/1 ARM: 5.93% - 7/1 ARM: 6.04% - 30-year VA: 5.50% - 15-year VA: 5.13% - 5/1 VA: 5.16% [4] Mortgage Refinance Rates - Current mortgage refinance rates are generally higher than purchase rates, but specific rates were not detailed in the provided content [3] Mortgage Payment Calculations - For a $300,000 mortgage: - 30-year term at 5.91% results in a monthly payment of approximately $1,781 and total interest of $341,279 over the loan's life - 15-year term at 5.44% results in a monthly payment of approximately $2,442 and total interest of $139,508 [8] Fixed vs. Adjustable-Rate Mortgages - Fixed-rate mortgages lock in the interest rate for the entire loan term, while adjustable-rate mortgages (ARMs) have a fixed rate for an initial period before adjusting based on market conditions [9][10] - ARMs typically start with lower rates but can increase after the initial period [11] Strategies for Lower Mortgage Rates - To secure lower mortgage rates, borrowers should aim for higher down payments, excellent credit scores, and low debt-to-income ratios [12] - Waiting for rates to drop may not be the best strategy; focusing on personal finances is recommended [13] Choosing a Mortgage Lender - It is advisable to apply for mortgage preapproval with multiple lenders within a short time frame to facilitate accurate comparisons [14] - When comparing lenders, the annual percentage rate (APR) should be considered as it reflects the true cost of borrowing [15] Future Rate Expectations - Forecasts indicate that the 30-year mortgage rate may remain around 6.1% through 2026, with predictions from Fannie Mae suggesting a rate near 6% by the end of the year [18]

Mortgage Rates Overview - The average 30-year fixed mortgage rate is currently at 5.91%, while the 15-year fixed rate is at 5.44% [1][5] - Zillow's reported rates are generally lower than those from Freddie Mac due to different survey methodologies [1][18] Current Mortgage Rates - Current national average mortgage rates include: - 30-year fixed: 5.91% - 20-year fixed: 5.86% - 15-year fixed: 5.44% - 5/1 ARM: 5.93% - 7/1 ARM: 6.04% - 30-year VA: 5.50% - 15-year VA: 5.13% - 5/1 VA: 5.16% [5] Mortgage Refinance Rates - Today's mortgage refinance rates are typically higher than purchase rates, although this is not always the case [3] Market Trends - Mortgage rates have been gradually decreasing since the end of May last year, with the 30-year fixed rate peaking over 7% in January 2025 before declining [20] - Predictions indicate that the 30-year mortgage rate will remain near 6.1% through 2026, with Fannie Mae forecasting a rate near 6% by the end of the year [19] Buying Considerations - The current housing market is more favorable for buyers compared to the previous years, as home prices are stabilizing and mortgage rates have decreased [16] - The best time to buy a house is when it aligns with personal circumstances rather than trying to time the market [17]

Group 1 - The Seattle-based real estate company, Zillow, announced workforce reductions that account for approximately 2% of its total headcount [1]

Upgrades Summary - Barclays upgraded Zillow Group (ZG) to Equal Weight from Underweight with a price target of $72, increased from $66, citing that significant downside risks are already reflected in the stock price [2] - Rosenblatt upgraded Fortinet (FTNT) to Buy from Neutral with a price target of $100, up from $85, based on positive channel checks indicating a "meaningful inflection" in demand ahead of the Q4 report on February 5 [2] - Benchmark upgraded Littelfuse (LFUS) to Buy from Hold with a price target of $360, following a strong Q4 report and an optimistic outlook as demand improves across the business [2] - Morgan Stanley upgraded Cencora (COR) to Overweight from Equal Weight with a price target of $400, up from $361, highlighting the company's leadership in specialty markets, which will be enhanced by the acquisition of a majority stake in OneOncology [2] - Chardan upgraded Korro Bio (KRRO) to Buy from Neutral with a price target of $15 after the analyst day, indicating that the company has "turned the page" [2] - Piper Sandler also upgraded Korro Bio to Overweight from Neutral [2]

Core Insights - Mortgage rates are currently near recent lows, with the average 30-year fixed rate at 5.93% and the 15-year fixed rate at 5.47% according to Zillow [1][15] Mortgage Rates Overview - The current national average mortgage rates include: - 30-year fixed: 5.93% - 20-year fixed: 5.89% - 15-year fixed: 5.47% - 5/1 ARM: 6.00% - 7/1 ARM: 6.12% - 30-year VA: 5.51% - 15-year VA: 5.21% - 5/1 VA: 5.31% [4] Refinance Rates - Today's mortgage refinance rates are generally higher than purchase rates, although this is not always the case [3] Adjustable-Rate Mortgages (ARMs) - ARMs offer lower initial rates compared to fixed-rate mortgages, but they come with the risk of rate adjustments after the initial period [12][13] Historical Context - Recent fluctuations in mortgage rates were influenced by political events, with rates dropping following proposals for enhancing home affordability and rising due to international tensions [17]

Core Insights - Mortgage rates are currently near recent lows, with the average 30-year fixed rate at 5.93% and the 15-year fixed rate at 5.47% according to Zillow [1][15] Mortgage Rates Overview - The national average mortgage rates include: - 30-year fixed: 5.93% - 20-year fixed: 5.89% - 15-year fixed: 5.47% - 5/1 ARM: 6.00% - 7/1 ARM: 6.12% - 30-year VA: 5.51% - 15-year VA: 5.21% - 5/1 VA: 5.31% [4] Refinance Rates - Current mortgage refinance rates are generally higher than purchase rates, although this is not always the case [3] Adjustable-Rate Mortgages (ARMs) - ARMs offer lower initial rates compared to fixed-rate mortgages, but they come with the risk of rate increases after the introductory period [12][13] Market Trends - Recent fluctuations in mortgage rates were influenced by political events, with rates dropping following proposals for enhancing home affordability and rising again due to international tensions [17]

Core Insights - Zillow's 2026 outlook indicates a healthier housing market with increased inventory and more favorable conditions for buyers [2][5] Group 1: Buyer-Friendly Markets - Indianapolis ranks as the most buyer-friendly housing market in 2026, followed by Atlanta, Charlotte, Jacksonville, and Oklahoma City [11][12] - The Midwest and Sun Belt regions are highlighted for having more available inventory due to new construction, enhancing buyer choices and negotiating power [1][6] Group 2: Market Conditions - In half of the analyzed markets, typical households can afford average homes without financial strain, with mortgage payments under 30% of income assuming a 20% down payment [8] - Buyers in these favorable markets can expect more homes within budget and a lower risk of competitive bidding wars, allowing for more time to make decisions [5][10]