Why Americans still can’t get cheaper mortgages, car loans or card balances after three Fed rate cuts

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  How Fed Rates Influence Mortgages, Credit Cards, Savings and More

  Here’s how the central bank’s interest rate stance influences car loans, credit cards, mortgages, savings and student loans.
  
  The New York Times - 1d

• Why the Fed may be done cutting interest rates, once and for all

  Some economists were saying Wednesday that the rate-cutting cycle is over, while others think the Federal Reserve won’t ease rates again until 2026.
  
  MarketWatch - 4h
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  Trump bashes Fed after bank doesn't cut rates

  President Trump ripped the Federal Reserve and the man he appointed to lead it Wednesday after the central bank kept interest rates steady. In a post on Truth Social, the president accused the Fed ...
  
  The Hill - 1d

• Is the Fed interest rate pause good for mortgage rates?

  The Fed's rate pause is likely to impact borrowing costs — but will it make mortgage loans more affordable?
  
  CBS News - 1d
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  The Fed Is About to Hit Pause on Rate Cuts. Here’s Why.

  Faced with a solid economy and mounting inflation concerns, the U.S. central bank has said it will “move cautiously” on cutting interest rates.
  
  The New York Times - 1d

• Mortgages, credit cards, auto loans: Expert predictions for interest rates in 2025

  The Federal Reserve is expected to cut rates further in 2025, paving the way for slightly lower borrowing costs for consumers.
  
  CNBC - Jan. 16
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  The Fed Is in No Rush to Cut Rates

  Fed officials have signaled that it will take more than one weak report to convince them that the labor market is deteriorating.
  
  The New York Times - Jan. 10

• Why two Fed officials doubt the need for many more rate cuts

  One official warned that “progress on inflation could continue to stall.”
  
  MarketWatch - Jan. 9
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  Fed Minutes May Show Why More Rate Cuts Will Face Hurdles

  After a quarter-point cut in December, Chairman Jerome Powell said policymakers may be more cautious, since the incoming administration will create more uncertainty.
  
  Inc. - Jan. 8

More from MarketWatch

• ‘My mother-in-law has done some shady stuff’: She wants to sell air rights to her home and cheated her grandchildren out of their inheritance

  “She also was supposed to give each grandchild $5,000 when her father died and another $5,000 when her mom passed. That didn’t happen.”
  
  MarketWatch - 10m

• The latest step in Walgreens’ turnaround is a blow to investors

  Walgreens has struggled as foot traffic at its stores dwindle and pharmacy business faces slimmer reimbursement rates on prescription drugs.
  
  MarketWatch - 10m

• Visa gives rosy guidance as spending growth improves

  Visa saw 9% growth in spending volume during the December quarter versus 8% in the September quarter.
  
  MarketWatch - 15m

• ‘I thought about filing for conservatorship’: I bought a home with my elderly parents. They reneged on their promise to sell their house and repay me. What now?

  “The agreement was that, as soon as they sold their home, they would refinance the mortgage.”
  
  MarketWatch - 16m

• ‘I have a new lease on life’: I sold my business for $130,000. It’s the first time I’m not living paycheck to paycheck. What should I do with this money?

  “I have $150,000 left on my mortgage with 7.3% interest.”
  
  MarketWatch - 30m

More in Business

• Intel issues weak forecast, but beats on fourth-quarter results

  Intel said seasonality, competition and an uncertain economy are resulting in challenges to its business.
  
  CNBC - 6m

• ‘My mother-in-law has done some shady stuff’: She wants to sell air rights to her home and cheated her grandchildren out of their inheritance

  “She also was supposed to give each grandchild $5,000 when her father died and another $5,000 when her mom passed. That didn’t happen.”
  
  MarketWatch - 10m

• The latest step in Walgreens’ turnaround is a blow to investors

  Walgreens has struggled as foot traffic at its stores dwindle and pharmacy business faces slimmer reimbursement rates on prescription drugs.
  
  MarketWatch - 10m

• Apple shares rise as boost in services revenue overshadows iPhone miss

  Although Apple's overall sales rose during the quarter, the company's closely watched iPhone sales actually declined slightly on a year-over-year basis.
  
  CNBC - 11m
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  Starbucks and Workers United Union Agree to Contract Mediation

  A labor agreement, covering more than 500 U.S. stores, would be the company’s first. Talks stalled last year over wages.
  
  The New York Times - 13m