Analyses of the 2008 housing collapse repeatedly show Black borrowers were deliberately steered to variable-rate mortgage products that caused the collapse and are now causing these issues, at a much higher rate than white borrowers, even if they would have otherwise qualified for fixed-rate loans.
May 20, 2024 at 11:32 PM
Analyses of the 2008 housing collapse repeatedly show Black borrowers were deliberately steered to variable-rate mortgage products that caused the collapse and are now causing these issues, at a much higher rate than white borrowers, even if they would have otherwise qualified for fixed-rate loans.
The effect was so pervasive that white borrowers in ZIP codes with higher rates of Black residents are *also* more likely to have been steered to variable-rate mortgages, again even if they would have otherwise qualified for fixed-rate loans.
May 20, 2024 at 11:34 PM
The effect was so pervasive that white borrowers in ZIP codes with higher rates of Black residents are *also* more likely to have been steered to variable-rate mortgages, again even if they would have otherwise qualified for fixed-rate loans.
Taco’s own loans are not fixed rate loans.
They are based on the Fed rate.
Taco, as usual, only cares about his own business interests.
They are based on the Fed rate.
Taco, as usual, only cares about his own business interests.
August 2, 2025 at 6:01 AM
Taco’s own loans are not fixed rate loans.
They are based on the Fed rate.
Taco, as usual, only cares about his own business interests.
They are based on the Fed rate.
Taco, as usual, only cares about his own business interests.
I have tried to relay the reality of 18% fixed rate 30 year mortgage loans to my young friends, but they treat it as uphill both ways for school type talk.
December 20, 2025 at 2:48 PM
I have tried to relay the reality of 18% fixed rate 30 year mortgage loans to my young friends, but they treat it as uphill both ways for school type talk.
Borrowing against your BTC on Coinbase can now come with a fixed rate and set repayment date. That removes rate shock, not liquidation risk: still watch your LTV if BTC drops.
https://decrypt.co/379091/borrow-against-bitcoin-fixed-rate-coinbase-morpho
https://decrypt.co/379091/borrow-against-bitcoin-fixed-rate-coinbase-morpho
Borrow Against Your Bitcoin at a Fixed Rate: Coinbase Expands Morpho Loans - Decrypt
Coinbase launched fixed-rate loans powered by Morpho, letting users borrow USDC against Bitcoin with the interest rates locked in.
decrypt.co
October 3, 2026 at 10:58 AM
Borrowing against your BTC on Coinbase can now come with a fixed rate and set repayment date. That removes rate shock, not liquidation risk: still watch your LTV if BTC drops.
https://decrypt.co/379091/borrow-against-bitcoin-fixed-rate-coinbase-morpho
https://decrypt.co/379091/borrow-against-bitcoin-fixed-rate-coinbase-morpho
higher rates mean the fixed rate cash flows of the underlying loans are worth less.
September 23, 2026 at 5:00 PM
higher rates mean the fixed rate cash flows of the underlying loans are worth less.
So I think Henry George would absolutely hate the idea lengthening loan terms, especially for fixed rate loans. 3/3 CC @larsiusprime.bsky.social
November 10, 2025 at 10:36 PM
So I think Henry George would absolutely hate the idea lengthening loan terms, especially for fixed rate loans. 3/3 CC @larsiusprime.bsky.social
Coinbase Launches Fixed-Rate Crypto-Backed Loans Powered by Morpho Midnight
Sep 28 2026 11:01 UTC
#coinbase #morpho #fixed-rate-loans #crypto-backed-loans #usdc #btc #onchain-lending #credit-markets #collateral #settlement-layer
Sep 28 2026 11:01 UTC
#coinbase #morpho #fixed-rate-loans #crypto-backed-loans #usdc #btc #onchain-lending #credit-markets #collateral #settlement-layer
October 2, 2026 at 6:01 AM
Well this is reprehensible. No one asked me, the lady some refer to as one of the foremost student loan research experts in the U.S. who also happens to work in this state, but this is not an innovation.
June 11, 2026 at 1:56 PM
Well this is reprehensible. No one asked me, the lady some refer to as one of the foremost student loan research experts in the U.S. who also happens to work in this state, but this is not an innovation.
Anything not perishable and made overseas.
Also, if you have any loans that aren't fixed rate, get them paid off now.
Also, if you have any loans that aren't fixed rate, get them paid off now.
November 26, 2024 at 7:56 PM
Anything not perishable and made overseas.
Also, if you have any loans that aren't fixed rate, get them paid off now.
Also, if you have any loans that aren't fixed rate, get them paid off now.
Mortgage Rates Keep Climbing, Leading Some Buyers to Riskier Loans www.nytimes.com/2026/10/01/b...
As Mortgage Rates Hit Highest Level Since 2023, Buyers Look at ARMs
The average 30-year, fixed-rate home loan rose to 7.28 percent, up from 6.34 percent a year ago. More buyers are now turning to adjustable-rate mortgages.
www.nytimes.com
October 1, 2026 at 11:57 PM
Mortgage Rates Keep Climbing, Leading Some Buyers to Riskier Loans www.nytimes.com/2026/10/01/b...
No dipshit. When you buy a house or car, so long as you don't have a variable rate what you pay is fixed at the start. With student loans the interest compounds different ly so people paying for years haven't made a dent in the principal. It's usurious.
April 22, 2025 at 11:37 PM
No dipshit. When you buy a house or car, so long as you don't have a variable rate what you pay is fixed at the start. With student loans the interest compounds different ly so people paying for years haven't made a dent in the principal. It's usurious.
Go look those things up yourself. My mortgage was the adjustable kin:d: Pay the full P&I, which I couldn’t afford, or pay interest only and go deeper in debt each month. These loans, in part, led to the Grand Recession a few years later. Luckily I was able to refinance to fixed rate before that.
October 2, 2026 at 9:02 PM
Go look those things up yourself. My mortgage was the adjustable kin:d: Pay the full P&I, which I couldn’t afford, or pay interest only and go deeper in debt each month. These loans, in part, led to the Grand Recession a few years later. Luckily I was able to refinance to fixed rate before that.
Why do Government student loans have mortgage interest rates?
The current fixed interest rate for new Direct Subsidized Loans and Direct Unsubsidized Loans for undergraduate students is 6.53%. For graduate or professional students, the interest rate for Direct Unsubsidized Loans is 8.08%?
The current fixed interest rate for new Direct Subsidized Loans and Direct Unsubsidized Loans for undergraduate students is 6.53%. For graduate or professional students, the interest rate for Direct Unsubsidized Loans is 8.08%?
April 22, 2025 at 11:05 PM
Why do Government student loans have mortgage interest rates?
The current fixed interest rate for new Direct Subsidized Loans and Direct Unsubsidized Loans for undergraduate students is 6.53%. For graduate or professional students, the interest rate for Direct Unsubsidized Loans is 8.08%?
The current fixed interest rate for new Direct Subsidized Loans and Direct Unsubsidized Loans for undergraduate students is 6.53%. For graduate or professional students, the interest rate for Direct Unsubsidized Loans is 8.08%?
Updates from Argentina
Since our last post, where we talked about the importance of the legislative elections on October, and the government's struggle to keep the dollar exchange rate fixed before the election by spending dollars from the reserves and loans. Since then, three events have...
1/17
Since our last post, where we talked about the importance of the legislative elections on October, and the government's struggle to keep the dollar exchange rate fixed before the election by spending dollars from the reserves and loans. Since then, three events have...
1/17
Updates from Argentina
Long time no see for these kinds of posts, but guess what? I'm kinda super tired of my TL being drowned in US politics stuff, so I'll do this again, especially to relay the good news. Milei's government is cracking. This is gonna be a long tread explaining why.
1/29
Long time no see for these kinds of posts, but guess what? I'm kinda super tired of my TL being drowned in US politics stuff, so I'll do this again, especially to relay the good news. Milei's government is cracking. This is gonna be a long tread explaining why.
1/29
Argentina spends $1bn to defend peso as Milei’s crisis spirals on.ft.com/4gtNFzW
October 6, 2025 at 7:33 PM
Updates from Argentina
Since our last post, where we talked about the importance of the legislative elections on October, and the government's struggle to keep the dollar exchange rate fixed before the election by spending dollars from the reserves and loans. Since then, three events have...
1/17
Since our last post, where we talked about the importance of the legislative elections on October, and the government's struggle to keep the dollar exchange rate fixed before the election by spending dollars from the reserves and loans. Since then, three events have...
1/17
This is no joke.
"A mix of grants and loans to the tune of $4 billion will be directed into long-term, fixed-rate financing for affordable homes. The other $6 billion in grants will be earmarked for quickly building "deeply affordable housing, supportive housing, Indigenous housing and shelters.""
"A mix of grants and loans to the tune of $4 billion will be directed into long-term, fixed-rate financing for affordable homes. The other $6 billion in grants will be earmarked for quickly building "deeply affordable housing, supportive housing, Indigenous housing and shelters.""
Liberal Leader Mark Carney unveils signature housing plan he says will double pace of home building in Canada
'We solved a housing crisis before in our past, we can solve the housing crisis now,' said Liberal leader #Canada #FederalElection #cndpoli #ElbowsUp
www.cbc.ca/news/politic...
'We solved a housing crisis before in our past, we can solve the housing crisis now,' said Liberal leader #Canada #FederalElection #cndpoli #ElbowsUp
www.cbc.ca/news/politic...
Carney unveils signature housing plan he says will double pace of home building in Canada | CBC News
Liberal Leader Mark Carney unveiled his signature housing policy Monday, promising to double the number of homes built annually in Canada to nearly 500,000.
www.cbc.ca
April 1, 2025 at 1:25 AM
This is no joke.
"A mix of grants and loans to the tune of $4 billion will be directed into long-term, fixed-rate financing for affordable homes. The other $6 billion in grants will be earmarked for quickly building "deeply affordable housing, supportive housing, Indigenous housing and shelters.""
"A mix of grants and loans to the tune of $4 billion will be directed into long-term, fixed-rate financing for affordable homes. The other $6 billion in grants will be earmarked for quickly building "deeply affordable housing, supportive housing, Indigenous housing and shelters.""
Extremely stupid WSJ OpEd from Treasury Secretary Bessent. He is both mad that the Fed did too much to support the economy when rates were at the zero lower bound (first paragraph) and that they missed on their inflation target (second paragraph). Just moronic.
www.wsj.com/opinion/the-...
www.wsj.com/opinion/the-...
September 5, 2025 at 3:52 PM
Extremely stupid WSJ OpEd from Treasury Secretary Bessent. He is both mad that the Fed did too much to support the economy when rates were at the zero lower bound (first paragraph) and that they missed on their inflation target (second paragraph). Just moronic.
www.wsj.com/opinion/the-...
www.wsj.com/opinion/the-...
When bond returns are negative, it means market interest rates (yields) have been climbing quickly. Because 10-year U.S. Treasury yields serve as the benchmark rate for almost all consumer and corporate credit, rising yields ripple outward to affect non-bondholders.
September 29, 2026 at 5:38 PM
When bond returns are negative, it means market interest rates (yields) have been climbing quickly. Because 10-year U.S. Treasury yields serve as the benchmark rate for almost all consumer and corporate credit, rising yields ripple outward to affect non-bondholders.
➤ Coinbase has launched fixed-rate, fixed-maturity crypto-backed loans powered by Morpho Midnight, allowing users to borrow USDC against BTC.
October 2, 2026 at 6:01 AM
➤ Coinbase has launched fixed-rate, fixed-maturity crypto-backed loans powered by Morpho Midnight, allowing users to borrow USDC against BTC.
If you're looking for a home, you'll have to make a choice between a fixed-rate mortgage, which allows you to make consistent payments, or adjustable-rate loans, which start with lower rates but go up as interest rates rise.
What's cheaper over time? Marketplace's Janet Nguyen explains.
What's cheaper over time? Marketplace's Janet Nguyen explains.
What’s cheaper over time: A fixed-rate mortgage or an adjustable-rate mortgage?
“When you get a fixed-rate mortgage, it's like buying insurance against inflation, and you're paying for that insurance over the whole life of the mortgage,” one expert told us.
www.marketplace.org
September 14, 2025 at 3:18 PM
If you're looking for a home, you'll have to make a choice between a fixed-rate mortgage, which allows you to make consistent payments, or adjustable-rate loans, which start with lower rates but go up as interest rates rise.
What's cheaper over time? Marketplace's Janet Nguyen explains.
What's cheaper over time? Marketplace's Janet Nguyen explains.
Are most student loans still fixed rate
August 26, 2026 at 5:54 PM
Are most student loans still fixed rate
The Illinois state treasurer’s office is launching a new private loan program for students attending Illinois colleges and universities.
buff.ly/TkczRtE
buff.ly/TkczRtE
State treasurer offers no-cosigner loans to Illinois students trying to pay for college
The Funding U Illinois No-Cosigner Loan program is open to Illinois residents attending public or private colleges and universities. The fixed annual percentage rate ranges from 7.99% to 9.49%, and…
chicago.suntimes.com
April 26, 2025 at 2:26 AM
The Illinois state treasurer’s office is launching a new private loan program for students attending Illinois colleges and universities.
buff.ly/TkczRtE
buff.ly/TkczRtE
Student loans is such a tough topic. I got my student loans in 2000-2004. The interest rate was fixed, and incredibly reasonable, and the costs were significantly cheaper than today.
I still only paid mine off 2 years ago.
Part of that was because the interest rate was so low!
I still only paid mine off 2 years ago.
Part of that was because the interest rate was so low!
So are we paying student loans?
March 31, 2025 at 8:03 PM
Student loans is such a tough topic. I got my student loans in 2000-2004. The interest rate was fixed, and incredibly reasonable, and the costs were significantly cheaper than today.
I still only paid mine off 2 years ago.
Part of that was because the interest rate was so low!
I still only paid mine off 2 years ago.
Part of that was because the interest rate was so low!