The Money Section | Everyone’s refinancing!

Also, how much do you need to earn annually in order to not feel stressed? ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     [The Charlotte Observer](~/AAQRxQA~/RgRo1w4EP0QiaHR0cHM6Ly93d3cuY2hhcmxvdHRlb2JzZXJ2ZXIuY29tL1cDc3BjQgpm6wSJ9GY2H1aAUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) ͏ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ September 25, 2024 • Issue #104 [The Money Section] This week, we’re looking at how the Fed’s rate cut created a mortgage refinance boom, the minimum annual salary required to feel financially secure, what amenities the modern-day renter requires, and why investors are increasingly banking on gold these days. Forget pools and gyms. Today’s renters demand neighbor happy hours and pet turfs [Forget pools and gyms. Today’s renters demand neighbor happy hours and pet turfs](~/AAQRxQA~/RgRo1w4EP0SNaHR0cHM6Ly93d3cuc2FjYmVlLmNvbS9tb25leS9yZW50ZXItYXBhcnRtZW50LWFtZW5pdGllcy0yMDI0Lz94aWQ9bWNjbGF0Y2h5JnV0bV9zb3VyY2U9bWNjbGF0Y2h5JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTA0VwNzcGNCCmbrBIn0ZjYfVoBSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) 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. Renters are prioritizing affordability and community over traditional amenities like gyms and pools. Social features like happy hours and co-working spaces are becoming popular. Zillow’s report suggests renters are re-evaluating their priorities given rising rents. [Read more.](~/AAQRxQA~/RgRo1w4EP0SNaHR0cHM6Ly93d3cuc2FjYmVlLmNvbS9tb25leS9yZW50ZXItYXBhcnRtZW50LWFtZW5pdGllcy0yMDI0Lz94aWQ9bWNjbGF0Y2h5JnV0bV9zb3VyY2U9bWNjbGF0Y2h5JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTA0VwNzcGNCCmbrBIn0ZjYfVoBSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) 🏠[Mortgage refinance boom takes hold as weekly demand surges 20%.](~/AAQRxQA~/RgRo1w4EP0RpaHR0cHM6Ly93d3cuY25iYy5jb20vMjAyNC8wOS8yNS9tb3J0Z2FnZS1yZWZpbmFuY2UtYm9vbS10YWtlcy1ob2xkLWFzLXdlZWtseS1kZW1hbmQtc3VyZ2VzLTIwcGVyY2VudC5odG1sVwNzcGNCCmbrBIn0ZjYfVoBSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) Mortgage rates have reached two-year lows, leading to a surge in refinance applications. The decline in rates has made refinancing more attractive for homeowners despite the seasonal slowdown in homebuying. While refinance activity is still modest compared to previous peaks, it has seen a significant increase compared to a year ago. 💳 [U.S. Justice Department accuses Visa of illegal monopoly.](~/AAQRxQA~/RgRo1w4EP0RHaHR0cHM6Ly9lZGl0aW9uLmNubi5jb20vMjAyNC8wOS8yNC9idXNpbmVzcy92aXNhLWRvai1sYXdzdWl0L2luZGV4Lmh0bWxXA3NwY0IKZusEifRmNh9WgFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) The DOJ has alleged that Visa has abused its dominant position to force businesses to use its network and prevent competitors from entering the market. The situation has resulted in higher fees for merchants and consumers. Visa denies the allegations and claims that the market is competitive. The cure for money stress? Earning (at least) $100,000 a year [The cure for money stress? Earning (at least) $100,000 a year](~/AAQRxQA~/RgRo1w4EP0SQaHR0cHM6Ly93d3cua2Fuc2FzY2l0eS5jb20vbW9uZXkvbW9uZXktc3RyZXNzLXNpeC1maWd1cmUtc2FsYXJ5Lz94aWQ9bWNjbGF0Y2h5JnV0bV9zb3VyY2U9bWNjbGF0Y2h5JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTA0VwNzcGNCCmbrBIn0ZjYfVoBSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) Rangely Garcia for Money Despite decreasing inflation and rising wages, Americans’ financial anxiety is increasing. Many people report needing a six-figure salary to feel financially secure. This anxiety is likely due to the cumulative impact of inflation over the past few years, which has significantly increased the cost of living for many Americans. [Read more.](~/AAQRxQA~/RgRo1w4EP0SQaHR0cHM6Ly93d3cua2Fuc2FzY2l0eS5jb20vbW9uZXkvbW9uZXktc3RyZXNzLXNpeC1maWd1cmUtc2FsYXJ5Lz94aWQ9bWNjbGF0Y2h5JnV0bV9zb3VyY2U9bWNjbGF0Y2h5JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTA0VwNzcGNCCmbrBIn0ZjYfVoBSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) 💵 [Nvidia investors just got a $1 trillion reason to be even more bullish.](~/AAQRxQA~/RgRo1w4EP0RwaHR0cHM6Ly93d3cubWFya2V0d2F0Y2guY29tL3N0b3J5L252aWRpYS1pbnZlc3RvcnMtanVzdC1nb3QtYS0xLXRyaWxsaW9uLXJlYXNvbi10by1iZS1ldmVuLW1vcmUtYnVsbGlzaC1mMzYxODE1OVcDc3BjQgpm6wSJ9GY2H1aAUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) A Bain Technology report projects significant growth in the AI hardware and software market, which could alleviate investor concerns about the sustainability of AI investment spending. The report suggests that demand for GPUs will continue to increase as capabilities expand and venture capital investment in AI startups grows. 🧑🏽‍🍳 [Goldman says these companies with high labor costs should benefit as job market slows.](~/AAQRxQA~/RgRo1w4EP0SHaHR0cHM6Ly93d3cubWFya2V0d2F0Y2guY29tL3N0b3J5L2NvbXBhbmllcy13aXRoLWhpZ2gtbGFib3ItY29zdHMtc2hvdWxkLWJlbmVmaXQtYXMtam9iLW1hcmtldC1zbG93cy1zb21lLW5hbWVzLWFyZS1zdXJwcmlzaW5nLWExNGRkMjBiVwNzcGNCCmbrBIn0ZjYfVoBSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) Consumer confidence has declined, but the stock market has reached new highs. The decline in consumer confidence is partially attributed to a perceived slowdown in the labor market. Goldman Sachs identified this basket of stocks with high labor costs, including hospitality and technology companies. 6 in 10 older workers don’t think they’ll have enough money in retirement [6 in 10 older workers don’t think they’ll have enough money in retirement](~/AAQRxQA~/RgRo1w4EP0SRaHR0cHM6Ly9tb25leS5jb20vcmV0aXJlbWVudC1zYXZlcnMtd29ycmllZC1ydW5uaW5nLW91dC1vZi1tb25leS8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTEwNFcDc3BjQgpm6wSJ9GY2H1aAUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Money; Getty Images A recent survey found that an increasing number of older workers fear their Social Security and 401(k) savings will be insufficient for retirement. Gen X workers are particularly unprepared, with only 18% feeling financially ready. [Read more.](~/AAQRxQA~/RgRo1w4EP0SRaHR0cHM6Ly9tb25leS5jb20vcmV0aXJlbWVudC1zYXZlcnMtd29ycmllZC1ydW5uaW5nLW91dC1vZi1tb25leS8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTEwNFcDc3BjQgpm6wSJ9GY2H1aAUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) 📈 [Gold’s hitting new records again. Here’s what it means for the economy.](~/AAQRxQA~/RgRo1w4EP0RRaHR0cHM6Ly9lZGl0aW9uLmNubi5jb20vMjAyNC8wOS8yNS9pbnZlc3RpbmcvZ29sZC1zaWx2ZXItZmVkLXJhdGUtY3V0cy9pbmRleC5odG1sVwNzcGNCCmbrBIn0ZjYfVoBSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) The gold rally is gaining momentum, driven by factors such as the Federal Reserve’s rate cuts and increased demand from central banks. While the stock market has reached new highs, investors remain concerned about the economy’s health, leading them to seek safe havens like gold. 🇲🇽 [How birria took over restaurant menus across the country.](~/AAQRxQA~/RgRo1w4EP0RPaHR0cHM6Ly93d3cuY25iYy5jb20vMjAyNC8wOS8yNS9iaXJyaWEtcmVzdGF1cmFudC1tZW51cy1hY3Jvc3MtdGhlLWNvdW50cnkuaHRtbFcDc3BjQgpm6wSJ9GY2H1aAUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) Birria, a traditional Mexican stew, has gained popularity in the U.S. It started as a regional dish but has become a social media star and fast-food staple. Qdoba, among other fast-casual chains, has incorporated birria into its menu, demonstrating its growing appeal and potential for mainstream success. Smart Money Move Home warranties cover what home insurance doesn’t [car over broken heart](~/AAQRxQA~/RgRo1w4EP0TFaHR0cHM6Ly9zZWN1cmUubW9uZXkuY29tL2hvbWUtd2FycmFudGllcy9scC9iZXN0LWhvbWUtd2FycmFudGllcy1hYm0tZW1sLXB1Yi1wYXJ0bmVyP3BjdWlkPWVhYmMyNDJkODE4YSZqdW1wX2Zyb21fZW1iZWQ9dHJ1ZSZ1dG1fY29udGVudD10bXNfaXNzdWUxMDQmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fc291cmNlPW1jY2xhdGNoeSZ3YWZpZD1XA3NwY0IKZusEifRmNh9WgFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO)Unexpected home repairs can be stressful, not to mention expensive. Before you know it you could find yourself emptying your savings for a busted fridge or leaking A/C. While homeowners insurance covers natural disasters and theft, a home warranty can help take the financial sting out of costly repairs for essential appliances and systems. With a home warranty, you can avoid huge bills and keep your household running smoothly. [Check Out Money’s List of the Best Home Warranty Companies Today.](~/AAQRxQA~/RgRo1w4EP0TFaHR0cHM6Ly9zZWN1cmUubW9uZXkuY29tL2hvbWUtd2FycmFudGllcy9scC9iZXN0LWhvbWUtd2FycmFudGllcy1hYm0tZW1sLXB1Yi1wYXJ0bmVyP3BjdWlkPWVhYmMyNDJkODE4YSZqdW1wX2Zyb21fZW1iZWQ9dHJ1ZSZ1dG1fY29udGVudD10bXNfaXNzdWUxMDQmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fc291cmNlPW1jY2xhdGNoeSZ3YWZpZD1XA3NwY0IKZusEifRmNh9WgFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) [ADVERTISEMENT](~/AAQRxQA~/RgRo1w4EP0TFaHR0cHM6Ly9zZWN1cmUubW9uZXkuY29tL2hvbWUtd2FycmFudGllcy9scC9iZXN0LWhvbWUtd2FycmFudGllcy1hYm0tZW1sLXB1Yi1wYXJ0bmVyP3BjdWlkPWVhYmMyNDJkODE4YSZqdW1wX2Zyb21fZW1iZWQ9dHJ1ZSZ1dG1fY29udGVudD10bXNfaXNzdWUxMDQmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fc291cmNlPW1jY2xhdGNoeSZ3YWZpZD1XA3NwY0IKZusEifRmNh9WgFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) ~/AAQRxQA~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~ Stories we’re reading this week - [Google Accuses Microsoft of Antitrust Violations Over Azure Cloud Platform](~/AAQRxQA~/RgRo1w4EP0R3aHR0cHM6Ly9hcnN0ZWNobmljYS5jb20vdGVjaC1wb2xpY3kvMjAyNC8wOS9nb29nbGUtYWNjdXNlcy1taWNyb3NvZnQtb2YtYW50aXRydXN0LXZpb2xhdGlvbnMtb3Zlci1henVyZS1jbG91ZC1wbGF0Zm9ybS9XA3NwY0IKZusEifRmNh9WgFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [Congratulations! You're (Maybe) Getting a 4% Raise Next Year](~/AAQRxQA~/RgRo1w4EP0SAaHR0cHM6Ly9tb25leS5jb20vcmFpc2VzLXNhbGFyeS1idWRnZXRzLWluLTIwMjUvP3hpZD1tY2NsYXRjaHkmdXRtX3NvdXJjZT1tY2NsYXRjaHkmdXRtX21lZGl1bT1yc3Nfc3luZCZ1dG1fY29udGVudD10bXNfaXNzdWUxMDRXA3NwY0IKZusEifRmNh9WgFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [Analyst Resets Tesla Stock Price Target Ahead of Q3 Deliveries](~/AAQRxQA~/RgRo1w4EP0RpaHR0cHM6Ly93d3cudGhlc3RyZWV0LmNvbS9pbnZlc3Rpbmcvc3RvY2tzL2FuYWx5c3QtYm9vc3RzLXRlc2xhLXN0b2NrLXByaWNlLXRhcmdldC1haGVhZC1vZi1xMy1kZWxpdmVyaWVzVwNzcGNCCmbrBIn0ZjYfVoBSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) - [You Can Now Renew Your Passport Online (but It Still Costs $130)](~/AAQRxQA~/RgRo1w4EP0SIaHR0cHM6Ly93d3cuc2FjYmVlLmNvbS9tb25leS9yZW5ldy1wYXNzcG9ydC1vbmxpbmUtY29zdC8_eGlkPW1jY2xhdGNoeSZ1dG1fc291cmNlPW1jY2xhdGNoeSZ1dG1fbWVkaXVtPXJzc19zeW5kJnV0bV9jb250ZW50PXRtc19pc3N1ZTEwNFcDc3BjQgpm6wSJ9GY2H1aAUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) - [Union Workers at Hawaii’s Largest Hotel Go On Strike](~/AAQRxQA~/RgRo1w4EP0RWaHR0cHM6Ly9hcG5ld3MuY29tL2FydGljbGUvaGF3YWlpLWhvdGVsLXN0cmlrZS1oaWx0b24tYzU1ZmMzZWMwN2I5OGEzMjBkNjU2Njc0YmVjMTRmODRXA3NwY0IKZusEifRmNh9WgFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO) - [Inside the Business of Romantasy, Where Book Fans Mix Love, Literature and Profit](~/AAQRxQA~/RgRo1w4EP0SWaHR0cHM6Ly93d3cubmV3c29ic2VydmVyLmNvbS9tb25leS9yb21hbnRhc3ktYm9vay1iYWxscy1jb3NwbGF5LW1vbmV5Lz94aWQ9bWNjbGF0Y2h5JnV0bV9zb3VyY2U9bWNjbGF0Y2h5JnV0bV9tZWRpdW09cnNzX3N5bmQmdXRtX2NvbnRlbnQ9dG1zX2lzc3VlMTA0VwNzcGNCCmbrBIn0ZjYfVoBSG3RyaXN0cmFtYmFsZHdpbjg5QGdtYWlsLmNvbVgEAAADTg~~) - [Coca-Cola Spiced Pulled From Shelves Less Than a Year After Drink’s Release](~/AAQRxQA~/RgRo1w4EP0RSaHR0cHM6Ly93d3cudXNhdG9kYXkuY29tL3N0b3J5L21vbmV5L2Zvb2QvMjAyNC8wOS8yNC9jb2NhLWNvbGEtc3BpY2VkLzc1MzY4MTQ0MDA3L1cDc3BjQgpm6wSJ9GY2H1aAUht0cmlzdHJhbWJhbGR3aW44OUBnbWFpbC5jb21YBAAAA04~) ~/AAQRxQA~/RgRo1w4EP0RfaHR0cHM6Ly93d3cudGhldmVyZ2UuY29tLzIwMjQvOS8xMS8yNDI0MTM4Ni9mb3JtZXItbmV3cy1jb3JwLWV4ZWN1dGl2ZS1nb29nbGUtZG9qLWFkLXRlY2gtdHJpYWxXA3NwY0IKZusEifRmNh9WgFIbdHJpc3RyYW1iYWxkd2luODlAZ21haWwuY29tWAQAAANO 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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