Hey everyone and thanks for jumping back into the cryptoverse. Today we're going to talk about Bitcoin dominance and we're going to be discussing what I think is about to happen and that is an explosive move above 60%. If you guys like the content, make sure you subscribe to the channel, give the video a thumbs up, and also check out the sale on into the cryptoverse premium at into the cryptoverse.com. Let's go ahead and jump in now. I know what you're thinking.You're probably thinking, "Well, I just spoke ...

David, let's start with the inflation data. Is three, the new two, and is it going to stop this Federal Reserve from cutting interest rates. I think the Fed is going to keep on kind of cutting rates is generally a better than expected report.But I think what it really shows is we have a k-shaped economy and it's sort of a k-shaped CPI report. The thing that really jumped out to me is, first of all, our rental cars coming down, there's you know, we've got a big change in demographics here and rents are. Rent ...

Michael Kopoulos, Richard Bernstein, advisers, deputy chief uh investment officer, David Seif, no more chief economist uh for developed markets. All right, General, who wants to who wants to start. So, this is probably Dave, this is probably about what you were expecting, is it not.>> Yeah, it's even a little bit softer. Um and so that that's great news for the Fed in terms of uh their ability to to cut in October, which didn't really seem that much in doubt, but also to follow the dot plot in December. uh ...

Interest rates are still way too high. ...

Annaly Capital Management (NYSE:NLY) is set to report Q3 results on Wednesday, October 22, after market close, as U.S. rates continue to shift. Interest rates in the U.S. are starting to fall after a period of sharp increases, and the yield curve, where ...

Core Insights - Today's CD rates are significantly higher than the national average, influenced by the Federal Reserve's recent interest rate cuts [1][3] - The highest CD rate currently available is 4.25% APY, offered by LendingClub and United Fidelity Bank [2] - National average CD rates are at 1.70% for a 1-year term, marking some of the highest rates seen in nearly two decades due to the Federal Reserve's inflation control measures [3] Best CD Rates - As of October 20, 2025, the top CD rate is 4.25% APY, available through LendingClub for an 8-month term and United Fidelity Bank for 10- and 18-month terms [2] - Online banks and credit unions generally provide more competitive rates compared to traditional banks [3] Finding the Best CD Rates - It is advisable to shop around and compare CD rates from various financial institutions before making a decision [4] - Online banks often have lower overhead costs, allowing them to offer higher interest rates on CDs [4] - Potential investors should check minimum deposit requirements and review account terms, including early withdrawal penalties and auto-renewal policies [4]

Core Insights - The average 30-year fixed mortgage rate has decreased to 6.20%, marking its lowest point in over a month [1][15][17] - Mortgage rates are expected to remain stable in a tight range, with no significant downward momentum observed [17][18] Current Mortgage Rates - The current national average mortgage rates are as follows: - 30-year fixed: 6.20% - 20-year fixed: 5.83% - 15-year fixed: 5.52% - 5/1 ARM: 6.29% - 7/1 ARM: 6.36% - 30-year VA: 5.65% - 15-year VA: 5.21% - 5/1 VA: 5.60% [4] Mortgage Refinance Rates - Today's mortgage refinance rates are generally higher than purchase rates, although this is not always the case [3] Advantages and Disadvantages of Mortgage Types - A 30-year fixed mortgage offers lower and predictable monthly payments, but comes with higher interest costs over the loan's life [7][9] - A 15-year fixed mortgage has lower interest rates and allows borrowers to pay off their loans sooner, but results in higher monthly payments [10][11] - Adjustable-rate mortgages (ARMs) typically start with lower rates but can lead to unpredictable payments after the initial fixed period [12][13] Market Trends - Mortgage rates are currently searching for a trend, with no clear momentum for a decrease, despite recent Federal Reserve actions [17][18]

Economic Outlook - A sharp slowdown in hiring poses a growing risk to the U.S. economy, leading to expectations of two more interest rate cuts by the Federal Reserve this year [1][2] - The Fed's outlook for employment and inflation has not changed significantly since the September meeting, where the key rate was reduced for the first time this year [1][3] Interest Rate Projections - Fed officials forecast two additional rate cuts this year and one in 2026, which could lower borrowing costs for mortgages, car loans, and business loans [2][3] - Powell indicated that the central bank may soon halt the reduction of its $6.6 trillion balance sheet, which could impact long-term Treasury interest rates [4] Inflation and Employment Concerns - Powell expressed increased concern about the job market compared to inflation, noting that tariffs have raised the Fed's preferred inflation measure to 2.9%, but there are no broader inflationary pressures [3][6] - Rising downside risks to employment have shifted the Fed's assessment of the balance of risks [3] Criticism of Past Policies - Powell defended the Fed's bond purchases during the pandemic, which aimed to lower long-term interest rates and support the economy, despite facing criticism from Treasury Secretary Scott Bessent and others [5][6] - Critics argue that these bond purchases exacerbated inequality and delayed necessary rate increases as inflation began to rise in late 2021 [6]

Core Insights - Earnings estimates for the major banks are projected to increase by 10% to 30%, driven by a rebound in investment banking and strong trading performance [1][2] - Investment banking is expected to rise by 22% for the group, while trading for JP Morgan is anticipated to increase by 17% to 19% due to ongoing geopolitical tensions [1][2] - Consumer credit remains stable, with no significant issues reported, as indicated by the master trust data from credit card companies [3][11] Investment Banking and Trading - The investment banking sector has shown a significant recovery from last year's lows, contributing positively to earnings [1] - Trading volatility has been favorable, particularly in Q2, but has calmed in Q3, which may impact banks differently [4][5] - The performance gap between big banks and regional banks is notable, with big banks outperforming by approximately 16% [5][6] Credit Market Insights - Despite some concerns regarding credit, particularly in the auto sector, overall credit conditions remain resilient [9][11] - There are discussions anticipated around the impact of recent bankruptcies on credit standards, especially in private credit [10] - CEOs are expected to address credit situations during earnings calls, particularly in light of the lack of recent macroeconomic data [7][8]

Core Insights - Money market accounts (MMAs) offer higher interest rates compared to traditional savings accounts, providing liquidity and flexibility for long-term savings [1][3] - The national average interest rate for MMAs is currently 0.59%, while the best rates exceed 4% APY, with some accounts offering rates above 5% APY [3][7][13] - Historical fluctuations in MMA rates are closely tied to changes in the Federal Reserve's target interest rate, with significant drops following the 2008 financial crisis and the COVID-19 pandemic [4][5][6] Interest Rate Trends - Following the 2008 financial crisis, MMA rates fell to between 0.10% and 0.50% due to the Fed's near-zero federal funds rate [5] - In 2022, the Fed began aggressive interest rate hikes to combat inflation, resulting in historically high MMA rates, with many accounts offering 4.00% or higher by late 2023 [7] - As of late 2024, MMA rates have started to decline following recent Fed rate cuts, but they remain high by historical standards [8] Account Features and Considerations - When selecting an MMA, factors beyond interest rates should be considered, such as minimum balance requirements, fees, and withdrawal limits [9][10] - Some MMAs may require a minimum balance of $5,000 or more to earn the highest rates, and monthly maintenance fees can reduce interest earnings [10][16] - It is crucial to ensure that the chosen account is insured by the FDIC or NCUA, which protects deposits up to $250,000 per institution [11]