In response to the COVID-19 crisis and impact on markets, the Federal Reserve continues considering lowering interest rates to zero. Since March 2020 the Fed has cut its target for the federal funds rate by a total of 1.5 percentage points, bringing it down to a range of 0% to 0.25%. In 2020, the Mortgage Bankers…
Well, it must be said, boomers are big dorks most of the time: they refuse everything that is new with blows of ” it was better before “of “it’s not what it used to be” and of ” today’s youth… “ In short, they play the reactions that do not support novelty. Maiiis it must…
Hello my little apples, if like us you suffered martyrdom during your childhood by filling out super boring holiday notebooks to buy the love of your parents and especially if you are in turn subjecting your children to the same thing, this top may enlighten you greatly. 1. The loneliness of our childhood when you…
What Is the Implied Repo Rate? The implied repo rate is the rate of return that can be earned by simultaneously selling a bond futures or forward contractand then buying that actual bond of equal amount in the cash market using borrowed money. The bond is held until it is delivered into the futures or…
The good thing about being in your twenties is that you discover active life and adult life. The bad thing about being in your twenties is discovering all the vices of that age. Yes, because we can say that at 20, we have the world in front of us, at 20, we also have the…
There are people who pretend to prefer winter to summer and every year they are told that it is ridiculous. So of course, summer is not perfect since we have to endure critters that sting, sweat that sticks and sunburn that burns. We make concessions because it’s still better than those terrible times when it’s…
What Is a Paydown Factor? A paydown factor is calculated as the principal portion of a monthly loan payment divided by the original principal of the loan. Paydown factors can be calculated monthly and may be included in monthly statements. A paydown factor is also an important metric that is commonly observed when analyzing structured…
It often happens that legendary films are changed after test screenings, but it is rarer to modify a film when it has already been released in cinemas. However, it has happened more than once for movies, series or even cartoons and there is always a more or less good reason behind it. 1. Product placement…
BEWARE OF SPOILERS If you have not yet watched the end of season 4 of Stranger Things, we advise you to leave this top immediately. You can stay at your own risk, but don’t come back and say we didn’t warn you. This season 4 was very very nice and deserved a little debriefing moment…