Good morning Reader, At last check, the government looks to be on the verge of reopening after eight Democrats agreed to the resolution in return for a promise of a vote on Affordable Care Act subsidies. Despite what you may think about the politics of the matter, we can all agree it's crazy our country punishes itself like this every few months. Oh, and in the meantime, we haven't gotten any government reports but Goldman Sachs thinks we lost 50,000 jobs in October. That's not good. (View...

Good morning Reader, I've been playing around with the idea of creating a community where we could all hang out - share ideas, ask questions, etc. - is that something you'd be interested in? Hit reply and let me know what you think (good or bad!) - I'd love to hear your thoughts on something like this. (View this email as a webpage) 🥶 Freeze your credit reports There is a no-cost way to stop identity thieves in their tracks and takes must a few minutes to set up. You should do this today. I...

Good morning Reader, Quick heads up: This afternoon, the Fed will announce what it'll do with interest rates and traders expect it'll get lowered by 25 basis points to 3.75-4.00%. (nationally available CD Rates are mostly under 4% these days) When rates go down, borrowers get rewarded and savers get punished. It's cheaper to borrow and you get paid less to save. The economy will like it, as companies like to borrow money, but remember that if you want to get higher yield on your savings, lock...