The ECB has announced it will be hiking rates in July and September to counter record inflation.U.S. political strategist James Carville famously said he would like to be reincarnated as the bond market because "you can intimidate everyone." So when bond yields start signaling a problem, the whole market listens.The escalatory rhetoric around the war in the Middle East has led to what Deutsche Bank is calling "the most hawkish central bank pricing of the year so far for both the [European Central Bank] and ...

This weekend, mortgage rates are back above 6%. Higher oil prices and mixed economic data are moving bond yields higher. The Zillow lender marketplace is reporting an average 30-year fixed mortgage of 6.08%. The 15-year is now 5.62%. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.08% 20-year fixed: 6.06% 15-year fixed: 5.62% 5/1 ARM: 6.05% 7/1 ARM: 6.03% 30-year VA: 5.67% 15-year VA: 5.32% 5/1 VA: 5.24% Remember, these are th ...

You can now unlock your home’s liquidity with the lowest home equity rates in years. A home equity line of credit (HELOC) or home equity loan can provide an ongoing stream or lump sum of cash. Check out the low rates below. HELOC and home equity loan rates: Sunday, March 15, 2026 According to real estate analytics firm Curinos, the average HELOC rate is 7.20%, down three basis points from one month ago. The 52-week HELOC low was 7.19% in mid-January. The national average rate on a home equity loan is 7. ...

Group 1: Investment Strategies - The article discusses an investment strategy where the investor commits to never selling stocks, which leads to a deeper understanding and trust in the businesses held in the portfolio [3][5] - Emotional selling decisions often lead to regret, as illustrated by the example of Netflix shares, which significantly appreciated over time [4][5] - The focus should be on the dividend stream rather than stock price fluctuations, promoting a long-term investment mindset [5] Group 2: Ergodicity in Investing - The concept of ergodicity is introduced, emphasizing that individual investment outcomes differ from average outcomes across a group [6][7] - Investors should prioritize survival over performance, avoiding strategies that could lead to permanent losses [10] - The article advocates for an antifragile approach to investing, where exposure to volatility is beneficial rather than harmful [11] Group 3: AI and Software Industry - AI is expected to enhance the software industry rather than destroy it, as it will expand capabilities and market opportunities for software companies [12][13] - Competitive advantages in software will evolve, with factors like switching costs and network effects remaining crucial [13][14] - The emergence of new business models driven by AI will create opportunities for startups to challenge incumbents, leading to a split in the software market [15][16] Group 4: NDFI Loans and Banking Risks - Non-Depository Financial Institutions (NDFIs) represent a rapidly growing loan category, with U.S. banks holding $1.14 trillion in outstanding NDFI loans as of Q1 2025 [20][21] - NDFI lending has grown at approximately 26% annually since 2012, significantly outpacing traditional bank loan growth [21] - The potential total exposure of banks to NDFIs exceeds $2 trillion, raising concerns about the risks associated with shadow banking [20][21] Group 5: Job Displacement and AI - Historical job displacement due to technology is noted, with examples illustrating how roles have evolved over time [28][30] - While AI integration may lead to job losses in certain sectors, it is also expected to create new opportunities and enhance productivity in various roles [30][31]

Core Viewpoint - The U.S. Treasury market experienced significant selling pressure, with the government selling $651 billion in Treasury securities amid rising yields and inflation concerns, particularly driven by surging gasoline prices and disappointing inflation data [1][4]. Treasury Market Activity - The U.S. government sold $651 billion of Treasury securities this week across nine auctions, including $532 billion in Treasury bills and $119 billion in Treasury notes and bonds [4][5]. - The 1-year Treasury yield surpassed the Effective Federal Funds Rate (EFFR) for the first time since November 2023, indicating that the bond market has largely dismissed rate cut expectations for the year [2][4]. - All Treasury yields across the yield curve are now at or above the EFFR, suggesting that rate cuts are not anticipated in the current market scenario [4]. Yield Trends - The 3-year Treasury yield rose significantly, closing at 3.74% after a 16 basis point increase since its auction, marking a total spike of 36 basis points over two weeks [7][8]. - The 10-year Treasury yield increased to 4.28%, the highest since early February, reflecting a 13 basis point rise during the week [12]. - The 30-year Treasury yield reached 4.90%, the highest level since earlier this year, indicating growing concerns about long-term inflation and interest rates [14][16]. Mortgage Market Impact - Mortgage rates surged to 6.41%, the highest since early September, with a notable increase of 42 basis points over the past two weeks [18]. - The relationship between mortgage rates and long-term Treasury yields remains significant, with mortgage rates typically tracking the 10-year Treasury yield but at higher levels [19]. - Announced buybacks of mortgage-backed securities (MBS) by Fannie Mae and Freddie Mac are intended to reduce the spread between mortgage rates and Treasury yields, although they may increase concerns in the bond market [20].

Core Insights - Goldman Sachs' private capital clients are finding relief from concerns over software exposure due to the ongoing Iran war, which has shifted focus away from these issues [1][2] Group 1: Market Reactions - The Iran war has caused significant volatility in public markets, affecting energy, bond, and stock prices, which has particularly impacted hedge funds [4] - Some clients of Goldman Sachs have previously managed similar market volatility, but those in the region are currently facing heightened risks [4] Group 2: Private Credit Market - The private credit market, valued at $1.8 trillion, is experiencing a historic sell-off due to declining valuations and increasing defaults, leading to a loss of confidence [5] - Redemption limits and bankruptcies are contributing to the challenges faced in the private credit market, as highlighted by Ark Invest CEO Cathie Wood [5] Group 3: Software Sector Concerns - SaaS and data-provider stocks have seen significant declines recently, driven by fears that artificial intelligence may reduce the sector's relevance [7] - Top private equity CEOs are addressing investor concerns regarding the so-called "SaaS apocalypse," with Apollo CEO Marc Rowan describing investor reactions as "extreme" [7] - Ares CEO Michael Arougheti stated that the firm is well-prepared to manage risks associated with the market and software [7]

In an important development, Flywire last year acquired Sertifi, the cloud-based online electronic signature platform. The acquisition cost Flywire $330 million, and Sertifi provided $14.2 million in revenue for Flywire during 4Q25.The company works with more than 4,900 global clients, and its service covers more than 240 countries and territories and over 140 currencies. At its core, the Flywire service is a desirable combination of vital advantages: secure transactions, low payment costs, and simplified r ...

Join for a 100% Risk-Free trial and see if our proven method can help you too. You do not need to pay for the costly lessons from the market itself.Sensor Unlimited is an economist by training with a PhD, with a focus on financial economics. She is a quantitative modeler and for the past decade she has been covering the mortgage market, commercial market, and the banking industry. She writes about asset allocation and ETFs, particularly those related to the overall market, bonds, banking and financial secto ...

Whether it's oil prices, gold wicks, or crypto candles, nothing escapes the watch of personal finance author Robert Kiyosaki. The author of the best-selling book "Rich Dad Poor Dad" is well-known for his criticism of the centralized banking system and advocacy for assets like gold, silver, Bitcoin (BTC), and Ethereum (ETH). As the war between the U.S.-Israel and Iran continues, he reiterated his market crash warning and said private credit funds, large banks, and financial institutions are panicking bec ...

Core Viewpoint - Dream Chasers Capital Group (DCCG) is responding to Carver Bancorp's Board blocking the nomination of Moishe Gubin and Greg Lewis, highlighting concerns over corporate governance and potential dilution of shareholder value [1][1][1] Group 1: Company Actions and Responses - DCCG, the leading shareholder of Carver Bancorp, criticizes the Board for using corporate mechanisms to disenfranchise shareholders, including a strategic delisting of shares to OTC markets [1][1][1] - The Board's actions are seen as detrimental to shareholders, particularly in blocking Gubin, who has a proven track record in banking turnaround [1][1][1] Group 2: Moishe Gubin's Achievements - Gubin successfully grew OptimumBank's assets from $100 million to over $1.11 billion while maintaining a 49.59% efficiency ratio, significantly better than the industry average of 67.3% [1][1][1] - Under Gubin's leadership, OptimumBank transformed from a loss-making entity to a profitable institution, achieving a net income of $16.65 million in 2025, representing a 600% growth in core earnings since 2021 [1][1][1] - Gubin also cleared a decade-long regulatory consent order by enhancing capital levels to "well-capitalized" status [1][1][1] Group 3: Timeline of Events - On March 5, 2026, the Board informed DCCG of "numerous deficiencies" and plans to block independent nominees just before the SEC deadline [1][1][1] - DCCG submitted nominations for Gubin and Lewis on February 20, 2026, but faced immediate resistance from the Board [1][1][1] - Carver announced a delisting on November 18, 2025, leading to a 50% drop in stock price [1][1][1] Group 4: Shareholder Support and Concerns - DCCG is monitoring Barry Mann's emergence as a 10% filer, suspecting it may be a tactic to dilute the 70% retail shareholder mandate opposing current Board policies [1][1][1] - DCCG emphasizes the importance of the 70% retail shareholder support and urges vigilance against any anti-takeover or dilutive actions as the May 21, 2026, Annual Meeting approaches [1][1][1] - The company remains committed to removing the current Board and restoring Carver's value, advocating for competitive bidding on any new stock issuance [1][1][1]