The Money Section | How low will rates go? Experts weigh in

Also, the government is considering breaking up Google. ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     [The Charlotte Observer](~/AAQRxQA~/RgRooIHPP0QiaHR0cHM6Ly93d3cuY2hhcmxvdHRlb2JzZXJ2ZXIuY29tL1cDc3BjQgpmutD8vWZ1UiPqUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) ͏ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ August 15, 2024 • Issue #98 [The Money Section] This week, we’re looking at expert predictions for the coming September rate cut, Google’s stock taking a plunge amidst rumors of government intervention in the company, how it just got even harder to buy a home in the Sunshine State, and how you can claim $2,500 in a new Cash App settlement. Experts predict the Fed’s upcoming cut [random image of gleaming ball on pink ribbon](~/AAQRxQA~/RgRooIHPP0SIaHR0cHM6Ly9tb25leS5jb20vZmVkLWludGVyZXN0LXJhdGUtY3V0LXNpemUtcHJlZGljdGlvbnMvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWU5OFcDc3BjQgpmutD8vWZ1UiPqUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Money; Getty Images The Federal Reserve is expected to lower interest rates in September, but the magnitude of the cut is uncertain. While a quarter-point decrease is widely predicted, some experts anticipate a larger, potentially emergency cut of 50 or even 75 basis points due to economic concerns. Read more. The Federal Reserve is expected to lower interest rates in September, but the magnitude of the cut is uncertain. While a quarter-point decrease is widely predicted, some experts anticipate a larger, potentially emergency cut of 50 or even 75 basis points due to economic concerns. [Read more.](~/AAQRxQA~/RgRooIHPP0SIaHR0cHM6Ly9tb25leS5jb20vZmVkLWludGVyZXN0LXJhdGUtY3V0LXNpemUtcHJlZGljdGlvbnMvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWU5OFcDc3BjQgpmutD8vWZ1UiPqUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) 📉 [Google’s stock falls as the government weighs breaking up the company.](~/AAQRxQA~/RgRooIHPP0RZaHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyNC8wOC8xNC9idXNpbmVzcy9kZWFsYm9vay9nb29nbGUtc3RvY2stYW50aXRydXN0LWJyZWFrLXVwLmh0bWxXA3NwY0IKZrrQ_L1mdVIj6lIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) Google faces a potential breakup after a court ruling found its search dominance illegal. The Justice Department is considering forcing the tech giant to divest its browser or Android operating system. This decision could have far-reaching implications for the entire tech industry. ⬇️ [Consumer price index slows below 3% for first time since March 2021.](~/AAQRxQA~/RgRooIHPP0RgaHR0cHM6Ly9lZGl0aW9uLmNubi5jb20vMjAyNC8wOC8xNC9lY29ub215L3VzLWNwaS1jb25zdW1lci1wcmljZS1pbmRleC1pbmZsYXRpb24tanVseS9pbmRleC5odG1sVwNzcGNCCma60Py9ZnVSI-pSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) Inflation cooled more than expected in July, with the Consumer Price Index falling below 3% for the first time in over three years. This significant drop opens the door for the Federal Reserve to cut interest rates as the economy shows signs of strain. How to claim up to $2,500 in new Cash App settlement [cash app on smartphone](~/AAQRxQA~/RgRooIHPP0SIaHR0cHM6Ly9tb25leS5jb20vaG93LXRvLWNsYWltLWNhc2gtYXBwLXNldHRsZW1lbnQtbW9uZXkvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWU5OFcDc3BjQgpmutD8vWZ1UiPqUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Money; Getty Images The payment app agreed to a $15 million settlement to resolve a lawsuit alleging unauthorized access to user data. However, qualifying for compensation is complex, requiring proof of losses resulting from the breach. [Read more.](~/AAQRxQA~/RgRooIHPP0SIaHR0cHM6Ly9tb25leS5jb20vaG93LXRvLWNsYWltLWNhc2gtYXBwLXNldHRsZW1lbnQtbW9uZXkvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWU5OFcDc3BjQgpmutD8vWZ1UiPqUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) 🏠[Buying a home in Florida just got more complicated thanks to new rules.](~/AAQRxQA~/RgRooIHPP0RlaHR0cHM6Ly93d3cudGFtcGFiYXkuY29tL25ld3MvcmVhbC1lc3RhdGUvMjAyNC8wOC8xNC9yZWFsdG9yLWNvbW1pc3Npb24tc2V0dGxlbWVudC1uYXItY2hhbmdlcy10YW1wYS9XA3NwY0IKZrrQ_L1mdVIj6lIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) Following a legal settlement with the National Association of Realtors, Florida agents can no longer advertise commission rates on property listings. Additionally, buyers must now sign written agreements with their agents outlining compensation. These changes could lead to lower commissions for agents. 🩳 [Google’s ex-CEO blames working from home on the company’s AI struggles.](~/AAQRxQA~/RgRooIHPP0RPaHR0cHM6Ly9mb3J0dW5lLmNvbS8yMDI0LzA4LzE0L2dvb2dsZS1lcmljLXNjaG1pZHQtd29ya2luZy1mcm9tLWhvbWUtYWktb3BlbmFpL1cDc3BjQgpmutD8vWZ1UiPqUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Former Google CEO Eric Schmidt has blamed the company’s emphasis on remote work for its lagging position in the AI race. Schmidt argues that Google’s prioritization of work-life balance over intense focus has allowed startups like OpenAI and Anthropic to gain a competitive edge. America’s credit card crisis: Here’s how high the average balance is now [young man shouldering oversized credit card](~/AAQRxQA~/RgRooIHPP0ScaHR0cHM6Ly93d3cuc2FjYmVlLmNvbS9tb25leS9hdmVyYWdlLWNyZWRpdC1jYXJkLWJhbGFuY2UtaW5jcmVhc2UtdHJhbnN1bmlvbi8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTk4VwNzcGNCCma60Py9ZnVSI-pSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) Money; Getty Images Credit card debt has surged in the past two years, with average balances climbing to $6,329. Rising inflation and interest rates have forced consumers to rely more heavily on credit cards to cover expenses. [Read more.](~/AAQRxQA~/RgRooIHPP0ScaHR0cHM6Ly93d3cuc2FjYmVlLmNvbS9tb25leS9hdmVyYWdlLWNyZWRpdC1jYXJkLWJhbGFuY2UtaW5jcmVhc2UtdHJhbnN1bmlvbi8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTk4VwNzcGNCCma60Py9ZnVSI-pSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) 🏘️ [Mortgage refinancing surges 35% in one week.](~/AAQRxQA~/RgRooIHPP0SIaHR0cHM6Ly93d3cuY25iYy5jb20vMjAyNC8wOC8xNC9tb3J0Z2FnZS1yZWZpbmFuY2luZy1zdXJnZXMtMzVwZXJjZW50LWluLW9uZS13ZWVrLWFzLWludGVyZXN0LXJhdGVzLWhpdC1sb3dlc3QtbGV2ZWwtaW4tb3Zlci1hLXllYXIuaHRtbFcDc3BjQgpmutD8vWZ1UiPqUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Applications for refinance have increased dramatically as homeowners capitalize on recent drops in interest rates. While rates have declined by 33 basis points over the past four weeks, they remain higher than a year ago. This surge in refinancing activity contrasts with the sluggish home purchase market. ☀️ [Consumer advisory: Steer clear of costly and complex loans for solar energy installation.](~/AAQRxQA~/RgRooIHPP0SKaHR0cHM6Ly93d3cuY29uc3VtZXJmaW5hbmNlLmdvdi9hYm91dC11cy9uZXdzcm9vbS9jb25zdW1lci1hZHZpc29yeS1zdGVlci1jbGVhci1vZi1jb3N0bHktYW5kLWNvbXBsZXgtbG9hbnMtZm9yLXNvbGFyLWVuZXJneS1pbnN0YWxsYXRpb24vVwNzcGNCCma60Py9ZnVSI-pSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) Soaring energy costs are driving homeowners toward solar energy installations. While solar panels can offer long-term savings, consumers need to be cautious of hidden costs, inflated loan terms, and potentially misleading sales pitches. Smart Money Move ~/AAQRxQA~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~ Find one of the best places to live in America, then protect your home with ADT! If you haven’t checked out [Money's guide to the best places to live in 2024](~/AAQRxQA~/RgRooIHPP0SAaHR0cHM6Ly9tb25leS5jb20vYmVzdC1wbGFjZXMtdG8tbGl2ZS8_dXRtX3NvdXJjZT1uZXdzbGV0dGVyJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NvbnRlbnQ9Y29udGVudF9kZWFsJnV0bV9jYW1wYWlnbj1zcGVjaWFsX3NlbmRXA3NwY0IKZrrQ_L1mdVIj6lIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO), you're missing a treasure trove of information about the best towns and cities in America. Once you’ve decided where to purchase your dream home, the latest home security technology is essential. ADT’s newest, most advanced system integrates all your smart home devices into one app. That means you can coordinate all your ADT security devices, Google Nest products, and thermostats in the same place. And if you opt for 24/7 SMART monitoring, ADT can send an alarm to 911 electronically, getting first responders to your house quicker in the event of burglary or fire. [Get up to 30% off a new ADT home security system today!](~/AAQRxQA~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~) [ADVERTISEMENT](~/AAQRxQA~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~) ~/AAQRxQA~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~ Stories we’re reading this week - [Jim Cramer’s Top 10 Things To Watch in the Stock Market Wednesday](~/AAQRxQA~/RgRooIHPP0RlaHR0cHM6Ly93d3cuY25iYy5jb20vMjAyNC8wOC8xNC9qaW0tY3JhbWVycy10b3AtMTAtdGhpbmdzLXRvLXdhdGNoLWluLXRoZS1zdG9jay1tYXJrZXQtd2VkbmVzZGF5Lmh0bWxXA3NwY0IKZrrQ_L1mdVIj6lIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [Rents Are Finally Falling — Here Are the Cities With the Biggest Drops](~/AAQRxQA~/RgRooIHPP0SNaHR0cHM6Ly9tb25leS5jb20vcmVudC1wcmljZXMtZmFsbGluZy1jaXRpZXMtYmlnZ2VzdC1kZWNsaW5lcy8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTk4VwNzcGNCCma60Py9ZnVSI-pSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) - [China Delivers Another Harsh Verbal Warning to Bond Buyers](~/AAQRxQA~/RgRooIHPP0RtaHR0cHM6Ly93d3cuYmxvb21iZXJnLmNvbS9uZXdzL2FydGljbGVzLzIwMjQtMDgtMTQvY2hpbmEtZGVsaXZlcnMtYW5vdGhlci1oYXJzaC12ZXJiYWwtd2FybmluZy10by1ib25kLWJ1eWVyc1cDc3BjQgpmutD8vWZ1UiPqUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) - [Average Car Insurance Prices Expected to Hit $2,500 This Year](~/AAQRxQA~/RgRooIHPP0SOaHR0cHM6Ly93d3cua2Fuc2FzY2l0eS5jb20vbW9uZXkvY2FyLWluc3VyYW5jZS1wcmljZXMtaW5jcmVhc2UvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWU5OFcDc3BjQgpmutD8vWZ1UiPqUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) - [Wall Street Has Never Been More Sure Lower Rates Are Coming](~/AAQRxQA~/RgRooIHPP0R3aHR0cHM6Ly9maW5hbmNlLnlhaG9vLmNvbS9uZXdzL3dhbGwtc3RyZWV0LWhhcy1uZXZlci1iZWVuLW1vcmUtc3VyZS1sb3dlci1yYXRlcy1hcmUtY29taW5nLW1vcm5pbmctYnJpZWYtMTAwMDU2MzMzLmh0bWxXA3NwY0IKZrrQ_L1mdVIj6lIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [White House Takes Aim at ‘Corporate Tricks’ That Waste People’s Time and Money](~/AAQRxQA~/RgRooIHPP0SGaHR0cHM6Ly9tb25leS5jb20vYmlkZW4tcnVsZXMtY3VzdG9tZXItc2VydmljZS1oYXNzbGVzLz94aWQ9bWNjbGF0Y2h5JnV0bV9zb3VyY2U9bWNjbGF0Y2h5JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlOThXA3NwY0IKZrrQ_L1mdVIj6lIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [Home Depot CEO Flags Alarming Trend That’s Hurting Sales](~/AAQRxQA~/RgRooIHPP0RLaHR0cHM6Ly9maW5hbmNlLnlhaG9vLmNvbS9uZXdzL2hvbWUtZGVwb3QtY2VvLWZsYWdzLWFsYXJtaW5nLTAwMzMwMDEzMS5odG1sVwNzcGNCCma60Py9ZnVSI-pSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) The Money Section is written in partnership with Money Research Collective This email was sent to {EMAIL} because you are signed up to receive The Money Section from The Charlotte Observer. 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