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Personal Finance News 9 October 2025 - 29 October 2025

Mortgage Rates Hit 2025 Low at 6.27% – Will They Finally Dip Below 6%?

Mortgage Rates Just Hit a 3-Year Low – Is Now the Time to Lock In?

Mortgage Rates Hit Lowest Levels of the Year After a prolonged stretch of high borrowing costs, current mortgage rates are finally receding. In late October, the average 30-year fixed mortgage fell to its lowest level of 2025, around the 6.2%–6.3% range ts2.tech Bloomberg. That’s a significant improvement from January, when 30-year rates were above 7% ts2.tech. Some daily measures even…
29 October 2025
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Tax Season Shocker: Fewer Refunds but Bigger Payouts as New Tax Changes Loom

Tax Season Shocker: Fewer Refunds but Bigger Payouts as New Tax Changes Loom

Fewer Checks, Larger Refunds Mark 2025 Tax Season Americans saw slightly fatter refunds on average this year even as the number of people getting refunds dipped. Final IRS data through October shows the average refund climbed to $3,052, about $48 more than last year’s average Accountingtoday. That uptick may reflect higher incomes and inflation adjustments that boosted tax withholding –…
29 October 2025
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2026 Social Security COLA Shocker: Benefits Up 2.8% (+$56), But Rising Costs Threaten the Gain

2026 Social Security COLA Shocker: Benefits Up 2.8% (+$56), But Rising Costs Threaten the Gain

With markets near record highs (S&P 500 and Nasdaq hitting all-time peaks) and the 10‑year Treasury around 4.0% ts2.tech, retirees face a mixed picture: a modest benefit hike but also sharply rising expenses. Read on for the full breakdown. Official Announcement: 2.8% COLA for 2026 On Oct. 24, 2025 the Social Security Administration (SSA) announced a 2.8% COLA for benefits…
26 October 2025
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Retirement Alert: 90% of Americans Are Giving Up Big Social Security Checks (Act Now Before It’s Too Late!)

Retirement Alert: 90% of Americans Are Giving Up Big Social Security Checks (Act Now Before It’s Too Late!)

In short, most retirees are stuck in a cash crunch. They need the income now, even though postponing Social Security would boost their checks permanently Housingwire Cbsnews. A survey by Schroders (released Oct. 22, 2025) found 37% say they’ll claim early simply to get money sooner, while 36% fear the program might run out Housingwire. Deb Boyden (Schroders’ head of…
24 October 2025
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Social Security COLA 2026: The Raise EVERYONE Is Talking About — And Why It Might Fall Short

Social Security COLA 2026: The Raise EVERYONE Is Talking About — And Why It Might Fall Short

Why the COLA Announcement Was Delayed Normally the SSA announces the annual COLA in mid-October after the Bureau of Labor Statistics releases the September Consumer Price Index for Urban Wage Earners (CPI-W). The COLA is based on the rise in average CPI-W over July–September vs. the same period a year earlier Cbsnews. Because of the federal government shutdown, the BLS…
24 October 2025
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Retiring at 62? It Could Cost You $182K — and 90% of Americans Are Doing It Anyway

Retiring at 62? It Could Cost You $182K — and 90% of Americans Are Doing It Anyway

Recent studies reveal a retirement funding crisis. 90% of U.S. workers say they’ll claim Social Security before age 70, even though waiting boosts benefits by ~30% (an early claim can cost ~$182,000 in lifetime payments) Cbsnews Cbsnews. Financial guru Dave Ramsey warns that retiring “too early” (like age 62) is a mistake – “it’s like jumping out of a plane…
21 October 2025
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Retirement Alert: Shocking 401(k) Trends and Vanishing Contributions Ignite Expert Warnings

Retirement Alert: Shocking 401(k) Trends and Vanishing Contributions Ignite Expert Warnings

Key Facts In summary, Americans face a retirement funding squeeze: average 401(k) balances are surprisingly low and contributions have even disappeared in some tragic cases (a recent Wall Street Journal case recounts a worker’s missing ~$50K in 401(k) deposits). Coupled with looming policy changes and market jitters, the consensus is clear: take action now. Financial advisers say to diversify beyond…
20 October 2025
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Mortgage Rates Hit 2025 Low at 6.27% – Will They Finally Dip Below 6%?

Mortgage Rates Hit 2025 Low at 6.27% – Will They Finally Dip Below 6%?

Mortgage Rates Near One-Year Low After Fed’s First Cut Mortgage rates have dipped to their lowest levels in about a year, offering American homebuyers a measure of relief after the steep run-up of the past two years. Freddie Mac’s latest survey shows the average 30-year fixed rate at 6.27%, down from 6.3% last week Foxbusiness. This is just above the…
17 October 2025
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U.S. 10-Year Treasury Yield Surges to Highest Since 2007 – What It Means for You

U.S. 10-Year Treasury Yield Surges to Highest Since 2007 – What It Means for You

Latest Yield Trends After spiking at the end of September, the 10-year Treasury yield has eased slightly. It stood around 4.03% on Oct. 13, essentially unchanged from the prior session Nuveen. By Oct. 14 it was roughly 4.02% (market data show it down a few basis points from Oct. 10’s 4.05% Nuveen ts2.tech). This pullback follows a sharp selloff in…
14 October 2025
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Will You Get a Surprise $2,000 Stimulus Check in October 2025? (And Why Stocks Are Soaring Anyway)

Will You Get a Surprise $2,000 Stimulus Check in October 2025? (And Why Stocks Are Soaring Anyway)

The IRS and Congress insist no new federal stimulus checks are coming in late 2025 ts2.tech ts2.tech. Viral claims of one-time $1,390, $1,702 or $2,000 payments this October are bogus ts2.tech ts2.tech. President Trump’s talk of a “tariff rebate” check of $1,000–$2,000 per person is only a proposal, with no law passed authorizing it ts2.tech Hindustantimes. In fact, the only…
13 October 2025
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Rich Dad Poor Dad Author’s Dire “Biggest Crash” Warning: Silver & Ethereum Are ‘Hot, Hot, Hot’ Picks

Rich Dad Poor Dad Author’s Dire “Biggest Crash” Warning: Silver & Ethereum Are ‘Hot, Hot, Hot’ Picks

Kiyosaki’s “Biggest Crash” Alarm Robert Kiyosaki, the bestselling author of Rich Dad Poor Dad, has long been a financial alarmist. In mid-October 2025 he doubled down via social media: “I predicted the biggest crash in world history… That crash will happen this year,” he wrote, warning that millions of Baby Boomers’ savings and retirements could vanish Indiatimes Businesstoday. Kiyosaki blames…
12 October 2025
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Shocking IRS Update: New 2026 Tax Brackets Slashed for Millions – Here’s How Much You’ll Save

Shocking IRS Update: New 2026 Tax Brackets Slashed for Millions – Here’s How Much You’ll Save

The IRS announced inflation-adjusted 2026 tax brackets and deductions, easing bracket creep Irs Cbsnews. For example, a single earner making $50,000 will now fall in the 12% bracket (instead of 22%) Cbsnews. The standard deduction rises to $32,200 for joint filers ($16,100 single) Irs. All seven marginal rates (10%–37%) remain in force under the new law, but higher income cutoffs…
9 October 2025
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Stock Market Today

  • Goldman Sachs Outlines Three Potential Scenarios for 2026 Bull Market
    January 27, 2026, 5:51 AM EST. Goldman Sachs analysts have identified three possible outcomes for the stock market's bull run in 2026. The investment bank's outlook includes scenarios ranging from strong economic growth driving equities higher to more moderate gains amid cautious investor sentiment. Goldman Sachs highlights that market performance will heavily depend on inflation trends, interest rate policies, and corporate earnings. The bank's projections reflect varying degrees of optimism about recovery prospects post-economic disruptions. Investors are advised to watch key indicators closely as these factors will shape the trajectory of the next bull market phase.
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