The Money Section | More Americans are feeling trapped in debt

Also, Trump’s post-debate stock plunge. ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     [The Charlotte Observer](~/AAQRxQA~/RgRoxJi8P0QiaHR0cHM6Ly93d3cuY2hhcmxvdHRlb2JzZXJ2ZXIuY29tL1cDc3BjQgpm4bwT4maB6gc0Uht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) ͏ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ September 11, 2024 • Issue #102 [The Money Section] This week, we’re looking at a recent survey that found Americans are increasingly worried they can’t make their debt payments, Trump Media & Technology Group stock dipping over 15% after the debate with Vice President Kamala Harris, what the coming Fed rate cut could mean for you, and the lowest mortgage rates since February 2023. Americans are increasingly worried about missing monthly debt payments [Americans are increasingly worried about missing monthly debt payments.](~/AAQRxQA~/RgRoxJi8P0SVaHR0cHM6Ly93d3cuc2FjYmVlLmNvbS9tb25leS9hbWVyaWNhbnMtd29ycmllZC1taXNzaW5nLWRlYnQtcGF5bWVudHMvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWUxMDJXA3NwY0IKZuG8E-JmgeoHNFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) 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. A survey by the Federal Reserve Bank of New York found that consumers’ confidence in their ability to make minimum payments on loans and credit cards has declined. The perceived probability of missing a payment in the next three months has reached its highest level in over four years. Total consumer debt has also increased significantly. [Read more.](~/AAQRxQA~/RgRoxJi8P0SVaHR0cHM6Ly93d3cuc2FjYmVlLmNvbS9tb25leS9hbWVyaWNhbnMtd29ycmllZC1taXNzaW5nLWRlYnQtcGF5bWVudHMvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWUxMDJXA3NwY0IKZuG8E-JmgeoHNFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) 📉 [Trump Media’s stock plunges after debate.](~/AAQRxQA~/RgRoxJi8P0RZaHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyNC8wOS8xMS91cy9wb2xpdGljcy90cnVtcC1tZWRpYS1zdG9jay10cnV0aC1zb2NpYWwtZGViYXRlLmh0bWxXA3NwY0IKZuG8E-JmgeoHNFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) Wall Street reacted negatively to former President Donald J. Trump’s debate performance, as evidenced by a sharp drop in shares of his social media company, Trump Media & Technology Group. Early trading on Wednesday saw the stock fall over 15 %, potentially reaching its lowest point since its public debut in March. 🏦 [Berkshire unloads another chunk of Bank of America.](~/AAQRxQA~/RgRoxJi8P0SKaHR0cHM6Ly93d3cuY25iYy5jb20vMjAyNC8wOS8xMS9iZXJrc2hpcmUtdW5sb2Fkcy1hbm90aGVyLWNodW5rLW9mLWJhbmstb2YtYW1lcmljYS1hcy1jZW8tbW95bmloYW4tbGF1ZHMtYnVmZmV0dC1hcy1ncmVhdC1zaGFyZWhvbGRlci5odG1sVwNzcGNCCmbhvBPiZoHqBzRSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) Warren Buffett’s Berkshire Hathaway has been steadily selling its Bank of America shares since mid-July, reducing its stake to 11%. The conglomerate has offloaded over $7 billion worth of BofA stock in this selling spree. What the Fed’s rate cut will mean for savers, investors, homeowners, and more [What the Fed’s rate cut will mean for savers, investors, homeowners and more.](~/AAQRxQA~/RgRoxJi8P0SQaHR0cHM6Ly93d3cua2Fuc2FzY2l0eS5jb20vbW9uZXkvc2VwdGVtYmVyLWZlZC1yYXRlLWN1dC1lZmZlY3RzLz94aWQ9bWNjbGF0Y2h5JnV0bV9zb3VyY2U9bWNjbGF0Y2h5JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTAyVwNzcGNCCmbhvBPiZoHqBzRSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) Money; Kevin Dietsch / Getty Images The Federal Reserve is expected to lower interest rates soon, which will impact various parts of the U.S. economy. Savers may see lower interest rates on their savings accounts, while homeowners may find it easier to refinance their mortgages. Homebuyers may see a slight decrease in mortgage rates, but it may not significantly affect the market. [Read more.](~/AAQRxQA~/RgRoxJi8P0SQaHR0cHM6Ly93d3cua2Fuc2FzY2l0eS5jb20vbW9uZXkvc2VwdGVtYmVyLWZlZC1yYXRlLWN1dC1lZmZlY3RzLz94aWQ9bWNjbGF0Y2h5JnV0bV9zb3VyY2U9bWNjbGF0Y2h5JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTAyVwNzcGNCCmbhvBPiZoHqBzRSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) 📈 [Consumer prices rise at slowest pace since early 2021.](~/AAQRxQA~/RgRoxJi8P0RtaHR0cHM6Ly9maW5hbmNlLnlhaG9vLmNvbS9uZXdzL2luZmxhdGlvbi1jb25zdW1lci1wcmljZXMtcmlzZS1hdC1zbG93ZXN0LXBhY2Utc2luY2UtZWFybHktMjAyMS0xMzIzMDUxMDkuaHRtbFcDc3BjQgpm4bwT4maB6gc0Uht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) The inflation rate increased slightly in August, but remains above the Federal Reserve’s target. The decision to cut rates will depend on both inflation data and other economic indicators, such as the labor market. While some economists believe the Fed should be cautious about cutting rates too quickly, others argue that the progress made on inflation justifies a rate cut. 💲 [Social Security cost-of-living increase for 2025 could be 2.5%.](~/AAQRxQA~/RgRoxJi8P0RtaHR0cHM6Ly93d3cuY25iYy5jb20vMjAyNC8wOS8xMS9zb2NpYWwtc2VjdXJpdHktY29zdC1vZi1saXZpbmctYWRqdXN0bWVudC1mb3ItMjAyNS1tYXktYmUtMnBvaW50NXBlcmNlbnQuaHRtbFcDc3BjQgpm4bwT4maB6gc0Uht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Social Security beneficiaries have seen significant cost-of-living adjustments in recent years due to high inflation. However, the projected increase for 2025 is estimated to be lower, around 2.5%. This would be closer to the average compared to the higher-than-average increases in previous years. Insurers may cover more mental health costs under a new federal rule [Insurers may cover more mental health costs under a new federal rule. ](~/AAQRxQA~/RgRoxJi8P0SGaHR0cHM6Ly9tb25leS5jb20vbWVudGFsLWhlYWx0aC1wYXJpdHktaW5zdXJhbmNlLXJ1bGUvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWUxMDJXA3NwY0IKZuG8E-JmgeoHNFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) Money; Getty Images The new rule aims to improve mental health care coverage by requiring insurance companies to offer the same level of coverage for mental health as for physical conditions. This is expected to lower costs, increase access to providers, and address the high suicide rate. [Read more.](~/AAQRxQA~/RgRoxJi8P0SGaHR0cHM6Ly9tb25leS5jb20vbWVudGFsLWhlYWx0aC1wYXJpdHktaW5zdXJhbmNlLXJ1bGUvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWUxMDJXA3NwY0IKZuG8E-JmgeoHNFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) 📺 [How retailers and media companies are teaming up to bring live shopping to the 2024 VMAs.](~/AAQRxQA~/RgRoxJi8P0RcaHR0cHM6Ly93d3cuY25iYy5jb20vMjAyNC8wOS8xMS9tdHYtdm1hcy0yMDI0LWxpdmUtc2hvcHBpbmctaXMtY29taW5nLXRvLXRoZS1yZWQtY2FycGV0Lmh0bWxXA3NwY0IKZuG8E-JmgeoHNFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) The 2024 MTV Video Music Awards will feature a new AI-powered shopping feature, allowing viewers to shop the outfits they see on screen in real time. This partnership between Paramount Global and Shopsense AI aims to boost both retail sales and media company revenue. 🏠[Mortgage rates hit lowest level since February 2023.](~/AAQRxQA~/RgRoxJi8P0RYaHR0cHM6Ly93d3cuY25iYy5jb20vMjAyNC8wOS8xMS9tb3J0Z2FnZS1yYXRlcy1oaXQtbG93ZXN0LWxldmVsLXNpbmNlLWZlYnJ1YXJ5LTIwMjMuaHRtbFcDc3BjQgpm4bwT4maB6gc0Uht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Mortgage rates continued to decline for the sixth consecutive week, but overall mortgage demand remains low. While lower rates are encouraging, factors like limited inventory and affordability challenges are hindering home purchases. Smart Money Move It may be time to tell your car insurance company you want to see other people [car over broken heart](~/AAQRxQA~/RgRoxJi8P0S6aHR0cHM6Ly9zZWN1cmUubW9uZXkuY29tL2Nhci1pbnN1cmFuY2UvbHAvY2FyLWluc3VyYW5jZS1tYXRjaC10b29sLXB1Yi10Mj9wY3VpZD16Yzk1YTgyOGNmZGEmanVtcF9mcm9tX2VtYmVkPXRydWUmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTAyJnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX3NvdXJjZT1tY2NsYXRjaHkmd2FmaWQ9VwNzcGNCCmbhvBPiZoHqBzRSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~)Has your relationship with your car insurance company lost its spark? It might be because you’re overpaying. Maybe it’s time to kick your provider to the curb and find a better deal. The good news is more than half of drivers who switch to a new car insurance provider end up saving money. So don’t be afraid, there’s no harm in shopping around for a better rate. Just answer a few quick questions and we’ll match you up with a company that better fits your needs. [Check out Money’s top Car Insurance Providers list today!](~/AAQRxQA~/RgRoxJi8P0S6aHR0cHM6Ly9zZWN1cmUubW9uZXkuY29tL2Nhci1pbnN1cmFuY2UvbHAvY2FyLWluc3VyYW5jZS1tYXRjaC10b29sLXB1Yi10Mj9wY3VpZD16Yzk1YTgyOGNmZGEmanVtcF9mcm9tX2VtYmVkPXRydWUmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTAyJnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX3NvdXJjZT1tY2NsYXRjaHkmd2FmaWQ9VwNzcGNCCmbhvBPiZoHqBzRSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) [ADVERTISEMENT](~/AAQRxQA~/RgRoxJi8P0S6aHR0cHM6Ly9zZWN1cmUubW9uZXkuY29tL2Nhci1pbnN1cmFuY2UvbHAvY2FyLWluc3VyYW5jZS1tYXRjaC10b29sLXB1Yi10Mj9wY3VpZD16Yzk1YTgyOGNmZGEmanVtcF9mcm9tX2VtYmVkPXRydWUmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTAyJnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX3NvdXJjZT1tY2NsYXRjaHkmd2FmaWQ9VwNzcGNCCmbhvBPiZoHqBzRSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) ~/AAQRxQA~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~ Stories we’re reading this week - [Here’s the Inflation Breakdown for August 2024](~/AAQRxQA~/RgRoxJi8P0RfaHR0cHM6Ly93d3cuY25iYy5jb20vMjAyNC8wOS8xMS9oZXJlcy10aGUtaW5mbGF0aW9uLWJyZWFrZG93bi1mb3ItYXVndXN0LTIwMjQtaW4tb25lLWNoYXJ0Lmh0bWxXA3NwY0IKZuG8E-JmgeoHNFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [10 Ways Millionaires (Legally) Keep Their Taxes Down in Retirement](~/AAQRxQA~/RgRoxJi8P0SdaHR0cHM6Ly93d3cuY2hhcmxvdHRlb2JzZXJ2ZXIuY29tL21vbmV5L21pbGxpb25haXJlcy1sb3ctdGF4ZXMtaW4tcmV0aXJlbWVudC8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTEwMlcDc3BjQgpm4bwT4maB6gc0Uht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) - [Forget Palantir: 2 Tech Stocks to Buy Instead](~/AAQRxQA~/RgRoxJi8P0RXaHR0cHM6Ly93d3cuZm9vbC5jb20vaW52ZXN0aW5nLzIwMjQvMDkvMTEvZm9yZ2V0LXBhbGFudGlyLTItdGVjaC1zdG9ja3MtdG8tYnV5LWluc3RlYWQvVwNzcGNCCmbhvBPiZoHqBzRSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) - [10 Cities With the Biggest Spike in the Number of Homes for Sale](~/AAQRxQA~/RgRoxJi8P0R9aHR0cHM6Ly9tb25leS5jb20vY2l0aWVzLW1vcmUtaG9tZXMtZm9yLXNhbGUvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWUxMDJXA3NwY0IKZuG8E-JmgeoHNFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [Campbell Soup to Make Historic Name Change](~/AAQRxQA~/RgRoxJi8P0RLaHR0cHM6Ly93d3cuZm94YnVzaW5lc3MuY29tL21hcmtldHMvY2FtcGJlbGwtc291cC1tYWtlLWhpc3RvcmljLW5hbWUtY2hhbmdlVwNzcGNCCmbhvBPiZoHqBzRSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) - [IRS Crackdown on Wealthy Tax Dodgers Is Already Bringing in Millions](~/AAQRxQA~/RgRoxJi8P0SSaHR0cHM6Ly93d3cubmV3c29ic2VydmVyLmNvbS9tb25leS9pcnMtY3JhY2tkb3duLXJpY2gtdGF4LWV2YWRlcnMvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWUxMDJXA3NwY0IKZuG8E-JmgeoHNFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [Google Dominates Online Ads, Says Antitrust Trial Witness](~/AAQRxQA~/RgRoxJi8P0RfaHR0cHM6Ly93d3cudGhldmVyZ2UuY29tLzIwMjQvOS8xMS8yNDI0MTM4Ni9mb3JtZXItbmV3cy1jb3JwLWV4ZWN1dGl2ZS1nb29nbGUtZG9qLWFkLXRlY2gtdHJpYWxXA3NwY0IKZuG8E-JmgeoHNFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) 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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