Core Insights - The average home equity line of credit (HELOC) interest rate has decreased to 7.64%, marking a decline of nearly half a point since January [1][2] - Homeowners have over $34 trillion in home equity, the third-largest amount on record, indicating significant potential for HELOC utilization [2] - With mortgage rates above 6%, many homeowners are reluctant to refinance or sell, making HELOCs an attractive alternative for accessing home equity [3] HELOC Rates and Trends - The current average HELOC rate of 7.64% is the lowest recorded in 2025, based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio of 70% [2] - Lenders determine HELOC rates based on an index rate plus a margin, with the prime rate recently falling to 7.00% [4] - Average national HELOC rates may include introductory rates that last for a limited time before becoming adjustable [5] HELOC Functionality - A HELOC allows homeowners to access their home equity without giving up their low-rate primary mortgage, providing flexibility in borrowing [6] - The structure of a HELOC enables homeowners to borrow as needed, only paying interest on the amount drawn [9] - Monthly payments on a $50,000 HELOC at a 7.50% interest rate would be approximately $313 during the draw period, but rates are typically variable [13] Market Considerations - Homeowners with low primary mortgage rates and significant equity are in a favorable position to obtain a HELOC, which can be used for various purposes, including home improvements and personal expenses [12] - The variability of HELOC interest rates necessitates careful consideration of affordability for future payments [8]

Interest Rate & Yield - Despite the Fed's rate cut, opportunities exist for savers to earn 4%-5% [1] - Various savings, CD (Certificate of Deposit), brokerage, and Treasury accounts offer competitive yields [1] Investment Options - Savers can explore savings accounts, CDs, brokerage accounts, and Treasury accounts [1] - These accounts provide options for earning yields in the current market [1]

Monetary Policy & Market Impact - The market's current operating principle is likened to the 1970s, but the Fed raising rates to 6% today would devastate the stock market, housing market, and Treasury market [1] - Empirical evidence suggests Treasury market dysfunction has been observed multiple times before reaching 5% in the last 5 years [2] Debasement & Investment Strategy - The debasement trade is considered a secular trend rather than a temporary event, implying a long-term perspective [3] - The recommended investment strategy is to buy dips rather than sell rallies, indicating a bullish outlook [3] - While 20-30% corrections are possible, they do not signal the end of the market [2] Currency & Debt - The current situation is characterized as a currency issue stemming from choices made over the last 30 years with borrowed money [3]

As companies these days are facing tighter margins, rising interest rates, and investor scrutiny, executives are realizing that understanding the numbers isn’t optional. It’s a leadership imperative. https://t.co/6Lfh8oqhee ...

Core Insights - The national average HELOC rate is currently 7.64%, serving as a benchmark for home equity line of credit interest rates, although introductory rates may be significantly lower [1][2] - Homeowners have over $34 trillion in home equity, the third-largest amount on record, making HELOCs an attractive option for accessing equity without selling homes [3] - Lenders determine HELOC rates based on an index rate plus a margin, with the prime rate recently at 7.00% [4] HELOC Rates and Trends - The average weekly HELOC rate has decreased by 42 basis points since January 2025, indicating a trend of declining rates [2] - Introductory rates can be as low as 5.99% for the first 12 months, but will convert to variable rates thereafter [8] - Rates can vary widely among lenders, ranging from nearly 6% to as high as 18%, depending on creditworthiness [11] HELOC Mechanics - A HELOC allows homeowners to access their home equity without giving up their low-rate primary mortgage, providing flexibility in borrowing [6][7] - Borrowers only pay interest on the amount they draw from their credit line, making it a cost-effective option for accessing funds [9] - Monthly payments on a $50,000 HELOC at a 7.50% interest rate would be approximately $313 during the draw period, but rates are typically variable [13] Considerations for Borrowers - Homeowners with low primary mortgage rates and significant equity may find it advantageous to obtain a HELOC for various uses, including home improvements or personal expenses [12] - It is essential for borrowers to compare fees, repayment terms, and minimum draw amounts when shopping for HELOCs [8][5]

Overmeire wealth partners Ally Flynn Phillips is taking the mound for a fast pitch. Over Meyer was ranked 13th on CNBC's Financial Advisors 100 list. Ally, great to have you with us. >> Great to be here.>> What's the catalyst when when there Sorry, Natalie. What's the What's the catalyst here for Sherwin Williams when there's not seemingly no catalyst for the housing market. Yeah, I mean to us I mean Sherman Williams is a clear leader in paint and they continue to gain share from weaker competitors through ...

Core Insights - The Federal Reserve has cut the federal funds rate three times in 2024 and recently made a second cut in 2025, leading to a decline in deposit interest rates, including money market account (MMA) rates [1] - The national average rate for MMAs is currently 0.59%, while top high-yield accounts offer rates exceeding 4% APY, significantly higher than the national average [2][9] Group 1: Money Market Account Rates - The importance of comparing MMA rates is emphasized, as interest rates vary widely among banks, particularly online banks and credit unions, which often provide competitive offers [3][4] - Online banks have lower overhead costs due to their web-based operations, allowing them to offer higher deposit rates and lower fees [4] - Credit unions, as not-for-profit financial cooperatives, also provide competitive rates and fewer fees, although membership requirements may apply [5] Group 2: Features and Considerations of Money Market Accounts - Money market accounts are suitable for short-term savings goals, offering higher interest rates than regular savings accounts and easier access to funds compared to certificates of deposit (CDs) [5][7] - These accounts are considered low-risk and are FDIC-insured up to $250,000 per depositor, per institution, making them safer than money market funds [6] - Many MMAs require a minimum balance to earn the highest advertised rate, and failure to maintain this balance may result in fees or lower rates [6] Group 3: Access and Usage of Funds - While MMAs allow access to funds, they may limit the number of transactions per month, which is a consideration for those needing frequent access [7] - MMAs are recommended for individuals looking to earn more interest than a regular savings account without locking funds in a CD, provided they can maintain the minimum balance [7][8]

Turkey’s central bank maintains its inflation target for next year in an ambitious move that signals it will keep interest rates high for longer https://t.co/NodewEGmND ...

Inflation Control - Kazakhstan's central bank aims to curb inflation, which is more than double the target [1] - The central bank is relying on record-high interest rates to control inflation [1] - Recent government measures are also expected to help rein in inflation [1]

We start off with the tough NASDAQ selloff, right. And that quickly bled over to the larger averages almost instantly. I'm not kidding.Within 15 minutes of the opening, we heard that the bull last legs. That's right. And here comes the big unwind as large cap tech starts rolling over.We are then told, of course, that the multi-month rally was bogus all along. Just a short squeeze because the Fed's going to crush us again the next time it tightens. We were told the market was about to get its comeuppins.Yet ...