Unemployment rate day!#Bitcoin reaching to a potential level for a higher low.That's great, let's see whether the unemployment rate kicks in higher again.Result?- Yields going down.- FED likely need to cut the interest rates.- I do expect Gold & Silver to go down in a few days, but first up.- #Bitcoin down slightly and then up only from later this month.It's inevitable: the money printer needs to start up again. ...

Core Viewpoint - The U.S. bond market is signaling concerns about economic growth following disappointing retail sales data, leading to a rally in government debt and a reassessment of interest rates and inflation expectations [1]. Group 1: Economic Indicators - December's retail sales data showed flat growth, indicating a slowdown in American consumer spending at the end of the previous year [1]. - The annual pace of U.S. GDP growth for the third quarter was revised up to 4.4% from 4.3%, which initially raised fears of overheating in the economy [1]. Group 2: Bond Market Reactions - The benchmark 10-year yield fell by 5.3 basis points to 4.14%, marking the lowest level in almost four weeks, after reaching 4.3% last month [1]. - The rate on the 30-year bond dropped by 6.6 basis points to 4.78%, the lowest since late January [1]. Group 3: Market Sentiment - Traders are reassessing the implications of U.S. economic weakness for the global economy, particularly in Europe [1]. - Jay Hatfield, CEO of Infrastructure Capital Advisors, stated that previous fears of an overheating economy were misplaced [1].

Core Insights - Growth in U.S. labor costs unexpectedly slowed in Q4, marking the smallest annual increase in 4.5 years due to softening demand for labor [1][2] - The Employment Cost Index (ECI) rose 0.7% in Q4, lower than the 0.8% increase forecasted by economists [1][2] - Labor costs increased by 3.4% in the 12 months through December, the smallest gain since Q2 2021, down from a 3.5% increase in the year through September [2] Labor Market Dynamics - A lackluster labor market is restraining wage growth, with the ratio of job openings to unemployed persons dropping to 0.87 in December from 0.89 in November and about 1.08 a year ago [3] - Despite diminished wage pressures, import tariffs have contributed to elevated goods prices, keeping inflation high [3] Federal Reserve Outlook - Economists anticipate that the Federal Reserve will maintain steady interest rates through the first half of the year, with the current benchmark overnight interest rate set between 3.50% and 3.75% [4] Wage Trends - Wages and salaries, which constitute the majority of labor costs, rose 0.7% in Q4, following a 0.8% increase in Q3, and advanced 3.3% on an annual basis [5] - When adjusted for inflation, overall wages increased by 0.7% in the 12 months through December, compared to a 0.6% rise in Q3 [5]

Economic Data and Market Reactions - The upcoming US jobs report is expected to show payrolls rose by 69,000 in January, with the unemployment rate remaining steady at 4.4% [8][11] - Historical revisions are anticipated to indicate a significant downward adjustment to payrolls for the year through March 2025 [8][11] - Traders are preparing for key economic data that may influence expectations for the Federal Reserve's interest rate decisions [2][9] Stock Market and Investment Trends - Recent gains in stocks suggest easing concerns regarding the AI sector, which had previously affected software companies and high-spending tech firms [2][10] - Alphabet Inc. plans to raise $20 billion from a US dollar bond offering, surpassing the expected $15 billion, and is also targeting sales in Switzerland and the UK, including a rare 100-year bond [5][11] - Asian equities have risen, with the Nikkei 225 Index hitting a new record, driven by a recovery in US tech stocks following last week's selloff [10] Interest Rate Expectations - Traders broadly expect the Federal Reserve to maintain interest rates at 3.5% to 3.75% during the next meeting, similar to the decision made in January [9][11] - Analysts suggest that a stabilizing labor market, characterized by modest hiring and limited layoffs, could lead the Fed to consider cutting rates once or twice this year if inflation pressures continue to ease [10]

Hello everyone. Inflation is crashing. The Fed nominee wants to strike a deal with the Treasury.Record tax refunds are starting to hit consumer pockets. And Jensen Hong says that we are going through a generational buildout of infrastructure. We are live today from the desk of Anthony Pompiano.Before we get into today's episode, I need your help. My goal is to get to 1 million subscribers on YouTube. Right now, we have 43,516 of you there.Hit the subscribe button and let's get into today's episode. All righ ...

Core Insights - Today's CD rates are significantly higher than the national average, with the Federal Reserve reducing its target interest rate three times in 2025, indicating a potential last opportunity to secure high rates with certificates of deposit [1] Group 1: Best CD Rates - As of February 9, 2026, the highest CD rate available is 4% APY, offered by Marcus by Goldman Sachs for a 1-year CD [2] - The article provides a comparison of the best CD rates from verified partners, highlighting competitive offers in the market [2] Group 2: National Average CD Rates - The national average CD rate for a 1-year term is 1.61% as of January 2026, which is significantly lower than the best available rates [3] - Current average CD rates are among the highest seen in nearly two decades, primarily due to the Federal Reserve's strategy to combat inflation by maintaining elevated interest rates [3] Group 3: Finding the Best CD Rates - To find the best CD rates, it is advisable to shop around and compare rates from various financial institutions, especially online banks that typically offer more competitive rates due to lower overhead costs [4] - It is important to check minimum deposit requirements, as higher rates may necessitate larger initial deposits [4] - Reviewing account terms and conditions is crucial, including early withdrawal penalties and auto-renewal policies, with some CDs offering no-penalty options for greater flexibility [4]

Core Insights - Interest rates for home equity lines of credit (HELOCs) and home equity loans are currently near one-year lows, with potential for lower rates through lender comparison [1][2] - The average HELOC rate is 7.23%, while the average home equity loan rate is 7.44%, with both rates influenced by credit scores and loan-to-value ratios [2][11] - Homeowners with low primary mortgage rates may find HELOCs or home equity loans beneficial for accessing home equity without losing their favorable mortgage rates [3][12] Interest Rate Details - The 52-week low for HELOCs is 7.19%, and the low for home equity loans was 7.38% in early December 2025 [2] - The prime rate, which influences second mortgage rates, has recently fallen to 6.75%, affecting the pricing of HELOCs and home equity loans [5] - Lenders have flexibility in pricing second mortgage products, making it advantageous for borrowers to shop around for the best rates [6] Loan Characteristics - HELOCs typically have variable interest rates and may include introductory rates that last for a limited time, while home equity loans usually offer fixed rates [6][7] - The best HELOC lenders provide low fees, fixed-rate options, and generous credit lines, allowing homeowners to utilize their equity flexibly [8] - Home equity loans provide a lump sum with a fixed interest rate, simplifying repayment terms for borrowers [10] Market Context - The Federal Reserve estimates that homeowners have approximately $34 trillion in equity available, indicating a significant opportunity for accessing home equity through HELOCs and home equity loans [4] - Current market conditions suggest that it may be an opportune time for homeowners with substantial equity and low primary mortgage rates to consider these financial products for home improvements or other expenses [12]

From New York City for viewers worldwide, I'm Scarlet Fu. The new one hour edition of Bloomberg Real Yield starts right now. Coming up, traders adding to rate cut bets on the heels of weaker than expected jobs data.We'll be getting insight from Oksana ARONOFF of JPMorgan Asset Management and Jeff Sherman of DoubleLine Capital. And a sell off in software debt pushes billions of dollars of loans into distressed territory. We begin with the big issue, the health of the US economy.We haven't yet really seen a t ...

Core Insights - National average rates for second mortgage products, including home equity loans and lines of credit, are near one-year lows, with well-qualified borrowers encouraged to shop for the best rates [1] Interest Rates Overview - The average HELOC rate is currently 7.23%, down two basis points from the previous month, while the national average for home equity loans is 7.44%, down 12 basis points [2] - The 52-week low for HELOCs was 7.19%, and for home equity loans, it was 7.38% in early December 2025 [2] Home Equity Value - Homeowners have approximately $34 trillion in home equity as of Q3 2025, making it unlikely for them to sell their homes or refinance at higher mortgage rates [3] - Accessing home equity through HELOCs or home equity loans is presented as a viable alternative for homeowners [3] Rate Determination - Home equity interest rates are calculated based on an index rate plus a margin, often using the prime rate of 6.75% as a benchmark [4] - Lenders have flexibility in pricing second mortgage products, with rates influenced by credit scores and debt levels [5] Lender Offers - FourLeaf Credit Union is currently offering a HELOC APR of 5.99% for the first 12 months on lines up to $500,000, which will convert to a variable rate thereafter [6] - The best home equity loan lenders may be easier to identify due to fixed rates lasting the entire repayment period [7] Current Market Conditions - Interest rates for HELOCs and home equity loans are expected to remain steady through the first half of 2026, making it a favorable time for obtaining a second mortgage [9] - The national average for HELOCs is 7.23%, while home equity loans average 7.44%, with rates varying significantly based on borrower creditworthiness [8] Payment Structure - For a $50,000 home equity line of credit at a 7.50% interest rate, the monthly payment during the 10-year draw period would be approximately $313, with the understanding that rates are typically variable [10]

Core Viewpoint - ECB policymaker Jose Luis Escriva indicated that interest rates are expected to remain steady in the foreseeable future due to anchored inflation expectations [1] Group 1 - Interest rates are anticipated to stay stable, reflecting a cautious approach by the ECB in response to current economic conditions [1] - Escriva's comments suggest confidence in the stability of inflation expectations, which may influence future monetary policy decisions [1]