KP Talks Dollars and Sense

McDonald's is encountering its largest sales hurdle in 20 years, opening doors for strategic pivots and new opportunities.   The economy is increasingly driven by 70% non-baby boomers, with baby boomers accounting for 30%, indicating a shift in market influence. The Magnificent Seven comprise one-third of the S&P 500's total value. The tech world is abuzz as Apple, Amazon, Meta, and...

Many people are actively trading futures and options, and their movements are driving market trends. With futures options expiring soon, it's a critical time in the market. The recent CrowdStrike incident wasn't solely their fault; it highlights how a single point of failure can impact any business. Traditional CEOs are struggling with the hefty bills from software companies, adding to t...

Financials set the tone for the earnings season. Retail sales are projected to decline by 0.2%. The Big 3 financials are influencing growth expectations. Earnings numbers have a significant impact on the flow of money and employment. 00:00 Introduction 00:26 Anaheim Event Overview 01:15 Federal Reserve Updates 01:59 Market Reactions 03:07 Wage Inflation and Real Rates 04:10 Economic Indicators 05:...

The Core PCE (Personal Consumption Expenditures) gauge is critical for understanding economic policy decisions, particularly inflation-related ones. Currently, inflation is showing signs of slowing down. The post-COVID recovery in supply chains and trends in service inflation are significant factors shaping the broader economic landscape. Recent job reports indicate a decrease in hiring within the...

AI is the greatest revolution yet. The Fed's balance sheet is shrinking. The Fed's latest numbers indicate a drop in GDP estimates. Learn how AI impacts the markets and what GDP numbers are telling us. Here's the inside scoop! Introduction and National Canada Day at 00:00. US Men's National Soccer Team Loss at 00:26 Stock and Bond Market Overview at 00:51. Japanese Yen and Carr...

Lower rates might benefit consumers. We buy and sell money and that's what we do. We're still helping people get a house. This episode we will understand how the secondary market sees our business and the core of the business. 00:00 Introduction 00:22 Home of Prince 00:31 Minneapolis Visit 00:45 Total Expert Event 01:17 AI in Marketing 02:10 Buying and Selling Money 02:36 Secondary Marke...

Most Federal Reserve officials (14 out of 16) think unemployment will stay low, around 4.1%. While 2 Fed members think it might even drop a little lower, to 3.8%. Unemployment is getting worse than expected. The Fed still wants two things: lots of jobs and stable prices. They also want to keep interest rates from getting too high in the long run. To keep prices stable, they might raise interest ra...

Multiple banks have cut including the European Central Bank. More banks will cut in their upcoming meetings. We don't need a very strong dollar. The DOJ warns not to share specific commission amounts. The commission doesn't want commission requirements posted anywhere on the MLS. The DOJ is warning everyone. Don't get caught off guard. Learn more about the new commission rule! https...

The softening in prices paid is noted in the manufacturing report. A significant drop in manufacturing prices could indicate a slowing economy. Declining copper prices suggest a potential economic slowdown. There was a 4% month-over-month decrease in manufacturing prices. Tesla is leading the charge in electric vehicles. The National Electric Vehicle Infrastructure Program has $5 billion earmarked...

NVIDIA just reported a staggering $14.9 billion in Q1! NVIDIA's earnings were described as a Fed Open Market Committee meeting. Big tech companies contribute to NVIDIA's net earnings. Last week's CPI report suggested easing. Positive unemployment and growth data pushed the 10-year Treasury yield up. Bad news in the economy is good news for mortgage interest rates. Learn why bad news...

Leading indicators now show a slowing economy and lower GDP growth. BlackRock’s Rick Rieder weighs in on how higher rates have influenced inflation. GDP is not growing as much. Election-year politics may be influencing efforts to lower food costs. Inflation numbers coming down means it's going up at a slower pace. Legislators are working to lower food prices. Explore the latest data and exper...

The 10-year Treasury yield spread to the 30-year fixed-rate mortgage is narrowing. The spread may shift interest rates. The 30-year fixed-rate mortgage is tightening. $16.9 trillion in total home equity at the end of Q1. $850 billion in tappable Freddie Mac Equity against Freddie Mac First Liens. A staggering $11 trillion in tappable equity up to 80% loan-to-value. Explore the recent trends and wh...

Inflation feels like a wild ride. Is it stuck in high gear, or is it just a temporary phase? Lease and new prices are still down in the 12-month index. ISM services number contradicts to expected numbers of 52 and fell short to 49.4. Only 5,000 jobs created for leisure and hospitality out of 175,000. Are service businesses struggling, or is this a sign inflation might be slowing down? Learn how th...

Record-breaking $70 billion of Treasury sales auctioned this week. Big numbers coming up for the next quarterly refunding amount that will be announced by the Secretary of Treasury, Janet Yellen. Above $1.6 trillion quarterly announcement will rattle the markets. We kept the inflation to 0.3% and markets did not sell off in return. Stock and bond markets rallied despite inflation number at 4.7% 2....

Shifting from stocks to safer bets with yields going up in the Treasury market. More and more selling pressure in the stock market as yields go up. Gold has been going up while Bitcoin is halving. Bitcoin is digital gold. 60 to 70 companies are reporting earnings this week which is a very big deal. Personal Consumption Expenditure is the Fed's preferred measure of inflation. Inflation, cost o...

The CPI is at 45% of the index attributed to shelter, housing, and owner's equivalent rent. Auto costs, including insurance, saw a notable rise, with month-over-month increases. Is the 3% the new 2%? When will the Fed give up? Auto insurance and housing are the outlier for the majority of CPI components that stayed under the 3% threshold. 50 of the top metro cities, renting has become more af...

The jobs report has been making waves, with 303,000 new jobs added. Fed's mandate isn't just about job creation but a balance between inflation, price stability, and full employment.   Fed's moderate long-term interest rate mandate is at 2.5% of our GDP. It's a balancing act like no other, and the stakes couldn't be higher. Cathie Wood expects by 2050, net interest could s...

The Fed's mission is to stay "data-dependent" has us all glued to our screens, and analyzing its every move. The Fed's every decision impacts our businesses, from investment strategies to staffing levels and beyond. We are witnessing manufacturing data expansion numbers, signs that are all pointing toward growth. Inflation, job market, interest rates, and more hold the key to o...

AI is revolutionizing productivity in our industry. Mortgage Collaborative? It's like a powerhouse of independent mortgage bankers, credit unions, and banks all vibing together to revolutionize the industry. VA handbooks and realtor commissions had a change from NAR settlements for our veterans. We've got some major economic revelations headed our way with the Personal Consumption Expend...

Industry giant ICE acquired Black Knight, creating a data and software powerhouse. Remember when you had to choose between fast, good, or cheap? Well, not anymore. Now, it's all about getting the best of everything at once. Software is boosting our productivity like never before. This productivity surge is shaking things up in the job market. Despite worries about wages going up, turns out pr...

The jobs report is confusing! Strong headline numbers masked revisions that point to a weakening labor market. Is this a growth scare for the economy? This could mean lower mortgage rates. Is the US economy hitting the brakes? Three major cities – St. Louis, New York, and Atlanta – are all saying the economy grew slower than expected this quarter. That's a big deal for the Fed who sets intere...

Credit card debt hit a record high, jumping 4% in Q3 of 2023! But the good news is it's an opportunity for us. Our smart refinancing and home equity plans can offer cash to those who need it. Good news for homeowners. The equity in your home can be your secret weapon against debt. Who showed up on Super Tuesday? Will a third-party candidate shake things up? Will the government shut down again...

How wealthy is the top 1% in America? The top 1% in America has a combined worth of $35 trillion. About 55% to 61% of their total wealth comes from investments in stocks and similar assets. The bottom 50% of Americans are all about real estate. Their combined worth is only $7 trillion, which is significantly less compared to the $35 trillion held by the top 1%. Here's the latest on treasury r...

NVIDIA's Q4 forecast is out of this world: 415% growth and $20 billion in revenue. How do they do it? Well, it's all about their expertise in semiconductors, chips, and top-notch software. AI is booming, and NVIDIA is right at the center of it all. From businesses to everyday tasks, automation, and productivity are on the rise. In other news, Goldman Sachs just made a big prediction. The...

Brace yourself for a headline number that might hit 2.9! But wait, there's a twist! The core, excluding food and energy, could spike to a whopping 3.6! 😲 It's like watching a gripping drama unfold in real-time! We're swapping out last year's chilly January figures for this year's sizzling stats, promising some intriguing comparisons. But here's the burning question:...