Black Hole Of Real Estate Podcast
Florida real estate news, commentary, information, interviews, and market reports
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Launching Your Rental Ads Too Soon... Episode 319
08/06/2026
Launching Your Rental Ads Too Soon... Episode 319
Launching Your Rental Ads Too Soon... ...Is The BIGGEST Mistake that property owners are making days on market is a crucial factor in rental profits the longer a rental is on the market the more likely it will be that tenants will try to negotiate the price of the rent We are seeing way too many properties hit the market that are nowhere near move in ready repairs in progress property not clean pest control service not done no window treatments in place appliances not working properly a visible punch list of things that need attention While its understandable that property owners want ads running as coming soon rentals to get prospects the problem is that they miss the fact that the 1st impression of the home is not very impressive most will believe that the home is not well maintained the majority of renters will pass on this type of property and move forward with homes that are more visibly appealing todays show gives you some real life scenarios that owners could have easily avoided
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If I Was Starting My Real Estate Career Today... Episode 318
08/03/2026
If I Was Starting My Real Estate Career Today... Episode 318
If I Was Starting My Real Estate Career Today... ...I would do a number of things differently that doesn't mean that I would change the way that I started out I made the right decisions back then based on my skillset at that time and also the type of market that we were in it was right after the Financial Crisis in 2008 I studied scripts and did a lot of role play sessions I did 2 open houses per day for 100 days I called expired listings and FSBO every day I did marketing videos and market reports every week I read books on team building I attended a ton of training sessions I got a mentor on Day 1 back then I did it as a solo agent today I would join a team right away and learn those things from the leadership I would let them know that I would want to run my own team someday and be very transparent about this most teams do not have a succession plan in place and for the ones that do - they aren't always viable it may just turn out that I would be a candidate to take over the team I joined down the road I would definitely do all the things that I listed above and be a Student of the Real Estate Game I would get into production super fast by getting more at bats right away real estate hasn't changed as much as people think if you embrace the fundamentals and do the hard work consistently over time you will be able to have all the success that you envision
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The Summer Selling Season Is Pretty Much Over... Episode 317
07/29/2026
The Summer Selling Season Is Pretty Much Over... Episode 317
The Summer Selling Season Is Pretty Much Over... ...if you are a seller that is not under contract now as we push into the month of August home sellers that get acceptable offers will be looking at a September closing date in most cases and with the school year quickly approaching a large pool of home buyers will exit the market its a real possibility that some home sellers may be looking at October, November, December closings while some may not sell at all The Fed held rates where they are at this weeks meeting and soon enough we will be entering into the mid term elections season and while that has little or no effect on real estate values it does cause many people to pause due to the uncertainty today's show breaks it all down for you
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3 Bed AirBnb Can Outperform a 4 Bed Property... Episode 316
07/27/2026
3 Bed AirBnb Can Outperform a 4 Bed Property... Episode 316
3 Bed AirBnb Can Outperform a 4 Bed Property... ...if you know how to maximize the ROI we are seeing "news" that people are selling their STR (Short Term Rental) properties makes me laugh because the are being bought by people doing STR lets call it neutral zero sum gain conversation what I really have noticed is that there is a growing community of investors that are "plussing" their properties adding more themes and activities to their homes adding in more photos and videos adding in more nearby things to do and the results are paying off big time I personally owned an STR property for 5+ years so this is from real life activity not some theory concocted in a basement additionally - we rent them out quite often when we go on vacations so I have a sizeable working knowledge of each side of STR proximity to places we want to go to during our stay does matter but a home with great amenities and awesome views can win out over homes that are closer to what we want to do we recently rented a home 30 minutes from a boating activity there were many homes that were closer but this one had a great outside space for the kids to play and it was a 3 bedroom as opposed to the 4 bedrooms were really wanted inground pool basketball court soccer field putting green outdoor pool table summer kitchen I totally understand that the number of bedrooms can be key for large families or 2 families traveling together but a bunk room can solve a lot of those concerns having a little vision can make a huge difference in your owner profits and if you are looking for a place to rent check out the places that have more/less bedrooms than you think you really need to make the vacation perfect today's show tells a few more stories from personal experience
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It's Possible That Interest Rates Increase Next Week... Episode 315
07/23/2026
It's Possible That Interest Rates Increase Next Week... Episode 315
It's Possible That Interest Rates Increase Next Week... ...my suspicion is that they will remain the same when the Fed Meeting is over looking for clues on what is going to happen? watch the rates for the next week ahead of the meeting we have seen a pattern of lenders pricing in rate changes ahead of the decision in order to gain a competitive advantage if rates are moving up each day then its an indication of a rate increase conversely if rates are trending down its a signal of a rate decrease and once the Fed announces its decision the change in rates would be minimal in the week after as they moved to that rate in advance make sense? today's show explains what has happened with rates this year and why home buyers have made the decision not to wait around for them to drop we dig deep into what goes into the actual rate that you are offered you will want to listen to this episode twice and bookmark it
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Florida Real Estate Is On A 10 Month Winning Streak... Epsiode 314
07/21/2026
Florida Real Estate Is On A 10 Month Winning Streak... Epsiode 314
Florida Real Estate Is On A 10 Month Winning Streak... ...data released this week shows year over year home sales are up once again when comparing June 2026 to June 2025 single family home sales are up over 9% condos and townhome sales are up more than 14% the trend is irrefutable more properties are being bought and each month for nearly a year and this is taking place in a market where interest rates have steadily increased February average rates were 5.98% and currently they are in the 6.5% range which leads us to ponder what affect will this have on home prices it also is a conversation starter for the type of real estate agents that are succeeding in a market where most are struggling its a very competitive market and whether you are choosing a home, and agent, or both making the right choice will set you up for success for many years to come today's show break it all down for you
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3 Things That Might Mess Up Your Closing Date... Episode 313
07/16/2026
3 Things That Might Mess Up Your Closing Date... Episode 313
3 Things That Might Mess Up Your Closing Date... ...that you're probably not thinking about The 1st commonly overlooked item is the property survey this is typically ordered the week before closing it's required for the vast majority of properties that are financed The 2nd thing that might delay your closing date is called an estoppel letter these are needed when there are dues paid to a home owners association while most people associate them primarily with condos this also applies to single family homes in an HOA this is used determine if the fees are up to date and also determine prorations of those fees based on the closing date any special assessments would be noted here as well A 3rd thing that stop your closing is a lien search the most common liens are tax liens we also find municipal, utility and contractor liens on properties these will need to be paid/resolved prior to the closing today's show goes through each of these scenarios in detail
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Something Just Accelerated In Real Estate Sales... Episode 312
07/14/2026
Something Just Accelerated In Real Estate Sales... Episode 312
Something Just Accelerated In Real Estate Sales... ...and the market is now at an inflection point homes that are priced to sell are moving super fast which one might argue isn't exactly news yet we have found that a significantly sized group of sellers continue to price above the market hoping for a miracle the old school strategies are costing sellers time and $$$ I can always drop the price if it doesn't sell I want to have room to negotiate I don't want to give my house away I don't really need to sell I know what my home is worth and what really happens is that these sellers have homes that they are unable to sell for long periods of time and even if they eventually sell its almost always for a lower sales price than they would have received if they had priced it correctly at the beginning personally speaking I have worked with 2 sellers in the 1st half of July that received full price offers that will close within 14 days they got everything they wanted - and more the benefits of doing so are compelling more showings right away the possibility of multiple offers quicker closing cash in their pocket to make their next purchase the ability to dictate terms tune in to today's show as we walk you through this shift
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The Best Way To Find Fixer Uppers... Episode 311
07/08/2026
The Best Way To Find Fixer Uppers... Episode 311
The Best Way To Find Fixer Uppers... ...They Are out there if you know where to look I fully realize that everyone wants a great deal but let's face it there isn't a hot deal out there for everyone these days if there was, it would push prices upward Fixer Uppers can be the easiest properties to find and the hardest to get a great price on its a very crowded space with a ton of competitors chasing the same thing we all know that sellers want to make a profit on their home but at the end of the day Sellers really just want closure and certainty I have 3 easy steps to get you on the right path Step 1 Stop Looking for deals on homes the 1st day on the market Start looking at homes that have lingered on the market 90+ days Step 2: Have your $$$ ready a bank statement available at all time if you are paying cash a current pre approval letter available if you are financing any part of the purchase Step 3: Seller Friendly Terms - Its got to be attractive for them to give you a deal inspections done in 7 days or less can your loan approval be done in 20 days or lease can you close in 30 days or less Today's show is loaded with strategies to get the deal you are looking for
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There Is A Sudden Shift In Listings For Sale.. Episode 310
07/03/2026
There Is A Sudden Shift In Listings For Sale.. Episode 310
There Is A Sudden Shift In Listings For Sale... ... new listings are increasing home sellers are definitely doing their research and the agents that are winning have this going for them they are full time 24/7 agents have top notch communication skills superior marketing they have mastered video and have a YouTube channel successfully negotiated 100's/1,000's of sales 500+ online reviews robust social media network the support of team members with 10+ years experience if you are considering a home sale and plan to interview agents someone needs to be a good friend and tell you that top agents are actually interviewing you too here are a few tips let the meetings be conversational and find a great partner interviewing 15 agents with your list of old school generic questions is a bad idea bullying agents to give discounts won't help you hire a strong negotiator friends and family are not always the best option understand that today's market conditions are different than when you bought the home your home probably isn't as unique as you think it is we are on the verge of a market move listings will increase in July and August/September closings will be higher than usual today's show gives you my take on how it's all going to play out
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People Brought Cash To The Table To Sell This Week... Episode 309
07/02/2026
People Brought Cash To The Table To Sell This Week... Episode 309
People Brought Cash To The Table To Sell This Week... ... and it can absolutely make sense for some home sellers now let's be clear most home sellers expect to get some $$$ back after the closing but there are situations where it just isn't possible within the time constraints that certain sellers require here are some of the top reasons that people are willing to sell at a loss they have to sell fast due to a job relocation they are in a divorce situation they lost a job they are moving to care for a family member they bought 2-3 years ago with little $$$ down home flippers that paid too much they refinanced the home and took cash out already sellers that had low/no down payment are at particular risk and if the seller paid for their closing costs as well then these sellers are the one with the highest likelihood of being in this precarious situation today's show goes deep into the details from every angle
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Does A Low Appraisal Break The Deal... Episode 308
06/30/2026
Does A Low Appraisal Break The Deal... Episode 308
Does A Low Appraisal Break The Deal... ...not necessarily so let's talk about it for whatever reason - many times the appraisal comes in right at the contract value I have often wondered if the 3 differerent apprsaisers went to the same home and weren't given the contract price would they get the same value at the end of the day it doesn't matter much but its interesting to consider so what happens if the appraisal comes in low? the buyer can ask the seller to drop the price the seller doesn't have to agree, but it could end the deal the buyer can absolutely move forward with the deal and many times they do just that the buyer and seller could also come up with a way to share the pain the toughest deals involve a buyer with a low down payment that also needs help with paying the closing costs from the seller it takes a lot more effort to make sure the numbers work out on those deals todays show walks you through all of the details on how to navigate these situations
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You May Owe $ For Taxes After A Home Sale... Epsiode 307
06/25/2026
You May Owe $ For Taxes After A Home Sale... Epsiode 307
You May Owe $ For Taxes After A Home Sale... ... and keep in mind that I am NOT a CPA but I've learned a few things along the way that you can discuss with your tax planner have you ever noticed at the end signing closing documents that there is a "tax form set of questions" for a 1099R it is used to help determine if you may owe tax on the home sale if the home being sold is a primary residence and you have lived in it at least 24 of the 60 last months you may have enough exemptions to wash out any tax due so when might you owe tax ??? this is not a complete list but its a starting point an investment property a 2nd home a property owned less than 2 years a property owned less than 1 year may owe more tax in the case of an investment property you may have been depreciating the home on your taxes and that would be recaptured when the sale is done here are a few things you can do to reduce your tax due keep all of your receipts as it may increase your cost basis avoid selling a home within the 1st year file a homestead exemption to show primary residence meet with your tax planner in advance of buying/selling do a 1031 exchange today's show walks you through all of the bullet points above
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Is It The Right Time To Get A Real Estate License... Episode 306
06/22/2026
Is It The Right Time To Get A Real Estate License... Episode 306
Is It The Right Time To Get A Real Estate License... ...occasionally I have clients ask me this question their reasons are usually: they want to purchase a home they think it would be fun they want to study the market they think they can make some easy $ my response to them is always the same if you think you are ready then you are ready the process isn't all that hard in fact, I think the barrier to entry is super low apply with the state of Florida pass a background check pass a 63 hour class pass the state exam once that is completed you would need to activate your license by joining a brokerage and a real estate board keep in mind that what you are taught in the licensing phase is mostly core law and ethics with a little bit of math and case study mixed in the majority of the training you would need to be successful would be learned through your brokerage and sales training for a coach or mentor todays podcast breaks it all down
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A Very Unsurprising Announcement... Episode 305
06/17/2026
A Very Unsurprising Announcement... Episode 305
A Very Unsurprising Announcment... ...The Fed Rate was unchanged this week We have talked about this at length over the last few weeks The new Fed Chair Kevin Warsh made some comments that caught my attention he is looking to modernize the way that the Fed looks at inflationary data with a goal of getting closer to real time data to make more timely decisions to keep the economy heading in the right direction the 12 Fed Governors all appear to be in alignment with his vision and with that, it sets the stage for a highly anticipated July 28-29 meeting tune into todays show for my forecast on where rates are heading and how to win in this market
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The Clearest Sign That The Market Is About To Pick Up ... Episode 304
06/15/2026
The Clearest Sign That The Market Is About To Pick Up ... Episode 304
The Clearest Sign That The Market Is About To Pick Up ... ...just happened The reconciliation package was just approved by Congress which ended the last part of the government shutdown and now we have an end to the Iran War in place as each country has signed documents on June 15th There is a Fed Meeting taking place this week but no one is expecting any change in the interest rates this time around one of the interesting things I am seeing is the price positioning for homes coming on the market where the current owners bought them over the last 2-3 years the market has been somewhat neutral over this time so its not likely for many of these owners to turn a big profit on the sale but they are also buying into the very same market and could very well get a home they wanted a few years back but couldn't afford at the income they had back then as always, there will be some stubborn sellers that will refuse " to lose money" when they sell and in reality the majority of them won't lose any $ at all becuase their homes simply won't sell today's show takes you quickly through these scenarios
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Fearlessly Forecasting The Next 3 Fed Meetings... Episode 303
06/08/2026
Fearlessly Forecasting The Next 3 Fed Meetings... Episode 303
Fearlessly Forecasting The Next 3 Fed Meetings... ...at a time when the direction of the market is anything but clear The 1st meeting led by new Fed Chair Kevin Warsh is approaching quickly The 2 day meeting June 16-17 may not be the tone setter that everyone has been anticipating over the last 6 months with all of the uncertainty in the economy right now its very likely that nothing changes with the interest rates at this meeting I do believe that we will see rates come down at the July meeting and we could very well another rate drop in September if we take this a step further we may see a quieter June/July than in most years but also see a much busier September/October than we might expect Watch for a quiet period in October as many people will be locked on to the mid term elections interestingly, we might just see a real estate rally at the end of the year today's show lays it all on the line for you
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Lessons Learned Owning An AirBnb... Episode 302
06/07/2026
Lessons Learned Owning An AirBnb... Episode 302
Lessons Learned Owning An AirBnb... ...the things we now know that can help everyone considering a purchase We recently sold a beach property that we have owned for 5 years we made some $$$ along the way by renting it out and got some tax benefits as well the prices in the area had increased, so we turned a nice profit at closing no complaints and we would definitely consider another one key items we learned licensing needed with city and state fire and safety inspections needed insurance options available 7 day minimum vs daily rentals pest control issue resolution people smoking next to your non-smoking unit detailed checkout checklists can work against you cleaning person can also be your resupply person online reviews drive new business photos and videos are crucial for views your decor choices matter today's episode gives you all the details
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The Stark Reality Of Insurance Claims... Episode 301
06/02/2026
The Stark Reality Of Insurance Claims... Episode 301
The Stark Reality Of Insurance Claims... ... and the feeling that you get when something wasn't covered that you thought was covered as we enter hurricane season we are preparing for the worst and hoping for the best damage to your home can come from a number of things wind tropical storms hurricanes floods termites vandals aliens when its time for a home owner to place a claim they will need to provide some documentation and then wait for an insurance adjuster to come out to inspect the property their findings will determine if your claim is approved even if your claim is approved, you may not get all of the money you may have a hurricane deductible that needs to be met the damaged part of the home may be subject to prorations based on its age loss of rent for investment properties may have its own challenges as far as flooding goes... if its due to a named storm you may be more likely to have a successful claim if its caused prolonged rains it may be more difficult if the home is in a flood zone other than zone x your claim may very well be dependent upon having a flood insurance policy I always recommend that homeowners ask their insurance agents a lot of "what if" questions tune in to todays show where I break down these scenarios
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There Is A Certain Truth To Back Up Offers... Episode 300
06/01/2026
There Is A Certain Truth To Back Up Offers... Episode 300
There Is A Certain Truth To Back Up Offers... ...and savvy sellers taking full advantage of this under utilized tool there are times when the highest offer isn't necessarily the best and to hedge against that we are noticing sellers signing backup offers that have a little less money in them but a lot more certaintly that they will close and there is a way to structure the 1st contract to make it possible to move to the backup offer below we can examine 3 scenarios: 1 - let's suppose that the buyer makes an offer that appears to be a cash purchase they check the box that says cash with no financing contingency that doesn't mean that they buyer cannot apply for financing it just means that they do not have any protection if their loan isn't approved 2 - some buyers will attempt to tie up a property with a lengthy inspection period maybe the haven't been in the property yet or perhaps their goal is a 2nd price negotiation during the inspections 3 - some buyers need to sell their home in order to make the purchase work in each of these cases, smart sellers are using a 72 hour kickout clause it doesn't mean the seller can unitaterally kick out a buyers contract but it does give them the opportunity to inform the 1st buyer that they have a different offer that is acceptable to them and if the buyer wants to stay in the deal they are going to have to remove some contingencies that are holding things up and this gives the seller an ability to have some control of closing their sale on time tune into todays show as we expand on how all of this works
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Dialing In The Summer Sales Forecast... Episode 299
05/28/2026
Dialing In The Summer Sales Forecast... Episode 299
Dialing In The Summer Sales Forecast... ...and most people are wondering where the market is heading Most years, we normally see an uptick in acivity in June and July school is out tax season is largely done moving to a new school district kids graduated retirement But 2026 has proven to be anything but a typical year and there is a lot of uncertainty out there that is living "rent free" in consumers minds and causing many to delay important decisions government shutdown the war in Iran inflation at 3.3% but gas at $4+ /gallon low inventory waiting for interest rates to come down today's show walks you through these concerns and gives you a forecast for when things will pick up that just might surprise you
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BOTH Buyers And Sellers Winning... Episode 298
05/26/2026
BOTH Buyers And Sellers Winning... Episode 298
Both Buyers And Sellers Winning... ...is happening a lot more than people might think some of you are shaking your heads "NO!" right now stay with me on this a lot of people are getting the results they want for the reasons that they want them frustrated buyers are finding homes to buy after searches that took far longer than they ever imagined do they always get a rock bottom price? of course not but they get the #1 thing they wanted all along a new home that provides what they need today how about sellers winning in this market? you want to believe that the maximum price is the goal but for far more people than you would think the #1 thing for them is Closure the ability to move on from 1 home that they own and reallocate the proceeds into a different area whether it is a new home, an investment property or something else that is not real estate related personally speaking I have bought 3 homes and sold 1 in the last 6 months I am both a buyer and a seller in this market and I am not alone BOTH buyers and sellers are winning
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Closing Day Can Be The Most Stressful... Episode 297
05/19/2026
Closing Day Can Be The Most Stressful... Episode 297
Closing Day Can Be The Most Stressful... ...Time for everyone involved in a real estate sale Recently I personally worked with a couple That wanted to buy their dream home in Florida They were supposed to close on a Thursday That didn't happen and it became a class on Murphy's Law through no fault on anyone involved the closing needed to be extended not once, but twice and needless to say things got really stressful tune into todays show to see how it all works out
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The Changing Of The Guard At The Fed... Episode 296
05/12/2026
The Changing Of The Guard At The Fed... Episode 296
The Changing Of The Guard At The Fed... ...may bring some notable changes to policy and lower interest rates Jerome Powell's term as Fed Chair ends on May 15th Kevin Warsh will be taking over the leadership role Interestingly enough, Powell has chosen to stay on as part of the committee historically speaking, the exiting Fed Chair hasn't remained after their term expires Warsh has stated that he will maintain Fed Independence from the Executive Branch but also mentions that he is opened minded with regards to aligning policy he is targeting a reduced Fed balance sheet as a way to reduce rates its widely anticipated that rate reductions will be on the way very soon tune into todays show for my take on what is about to happen
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Creative Financing Options... Episode 295
05/08/2026
Creative Financing Options... Episode 295
Creative Financing Options... ...Here are the GO TO OPTIONS for many home buyers that have unique circumstances getting in the way of buying a home owner finance seller paid closing costs rent to own here are some of the reasons they seek these options lack of verifiable qualifying income for bank loans debt to income ratios are too high lack of cash available for closing costs self employed here are some of the reasons that sellers are willing to consider creative finance they want a quick sale helping a buyer might lead to a more desirable sales price close quickly for reasons that are advantageous there is a tax strategy advantage that is to their benefit today's shows gets down and dirty with the details
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The Unrepresented Home Buyer... Episode 294
05/08/2026
The Unrepresented Home Buyer... Episode 294
The Unrepresented Home Buyer... ...A segment of the market that appears to be growing slightly In essence, this is someone that does not want to use a real estate agent when purchasing a home their belief is that they can manage the entire transaction and potentially save some money along the way they would take on the responsibility of setting up their own showing and gaining access to the property writing their own purchase contract navigating any/all of the required addendum hiring an inspection company and attending inspections working directly with the closing agent to verify all figures on the other side of the transaction home sellers have raised these concerns access to their property to an unknown, unlicensed person sellers agent doing work on behalf of a buyer that they do not represent buyers writing their own offers is the buyer savvy enough to actual complete the sale I am not here to say that its not possible for buyers to represent themselves this option has always been available today's show explains some of the friction involved in the process
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Boomers Are Driving The Real Estate Market... Episode 293
05/06/2026
Boomers Are Driving The Real Estate Market... Episode 293
Boomers Are Driving The Real Estate Market... ...Homeowners born betwen 1946-1964 years old are leading the way This group makes up 46% of sales this year Which oddly enough is the same amount as last year Finishing at a distant 2nd place were millenials born 1980-1998 making up 26% of sales this year a slight decline from 29% last year Boomers lead the way in home equity by a wide margin which is a big reason that they are BIG PLAYERS in this market If you want to look at the "extra boomers" or "super boomers" category YES I made up those names Those aged 71-79 have lived in their homes an average of 15 years and have an average home value over $408,000 They definitely have the experience and $$$ to make a move in almost any market With the summer market on the horizon it will prove to be an interesting display of the buying power of the Boomers vs Millenials get out your popcorn this is gonna get interesting
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Not Everyone Is Excited To Inherit A Property.... Episode 292
05/01/2026
Not Everyone Is Excited To Inherit A Property.... Episode 292
Not Everyone Is Excited To Inherit A Property... ...Don't get me wrong, some people are thrilled to receive one But a surprising number of people are not loving the idea we hear some very compelling reasons each week from new owners they already have a home they live a long distance away the home needs a lot of maintenance there are property taxes due the monthly carrying costs are more than they can afford the mortgage balance may be higher than the market value most people work very hard to leave a home to their loved ones and most times it works out as planned and if you never really thought about the list above you may not give much consideration to making sure that the gift is a good thing ultimately the new owner of the inherited property makes 1 of the 4 decisions below move in full time use it part time rent it sell it and they don't always have the luxury of time to plan ahead and have a solid plan in place for which option is best todays show goes deep in the details
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The Most Effective Curb Appeal Strategies... Episode 291
04/29/2026
The Most Effective Curb Appeal Strategies... Episode 291
The Most Effective Curb Appeal Strategies... ...are not as expensive as you think there are a number of things that you are recommended to do I think we all know the basics, right? one of the areas that is often overlooked is the way the home looks in the photos and if you don't want buyers to swipe past your homes marketing you really need to nail the 1st photo ideally its an elevated aerial photo that pulls in the buyers interest which means that the yard looks amazing move the garbage cans out of site get all the toys put away hide all the tools and equipment put down mulch and add some color paint the front door a distinctive color pressure wash the driveway, sidewalks and fence tune in to today's show for more tips on how to wow online home buyers
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There Is A Real Chance You Are Getting Bad Information About Interest Rates... Episode 290
04/27/2026
There Is A Real Chance You Are Getting Bad Information About Interest Rates... Episode 290
There Is A Real Chance You Are Getting Bad Information About Interest Rates... ...rates have actually gone down the last 3 weeks and very few have noticed The Fed is about to hold the last meeting with Jerome Powell as its leader April 28-29 They have not changed the federal funding rate since December of 2025 and no one is expecting any changes being made at this weeks meeting so how is that rates have come down recently? back in February rates at 6% were available in the market the government shut down the Iran war started and rates floated upward to the 6.5% range it wasn't due to any fed meeting decisions it was due to market conditions and now we rates have come down 3 weeks in a row and the stock market recently hit an all time high once again due to market conditions as much as people want to control the narrative and artificially adjust things by pulling levers it all comes down to the choices that people make to purchase or not purchase things to invest or not invest in things to grow or not grow businesses and when you take a moment to really think about it its a pretty simple thing to sort out today's show unlocks what it really going on with interest rates
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