Mortgage rates dipped significantly this week, dropping to the lowest level in more than a year, according to Freddie Mac. Rates for 30-year, fixed-rate mortgages averaged 6.47%, down from 6.73% last week. "Mortgage rates plunged this week to their lowest level in over a year following the likely overreaction to a less than favorable employment report and financial market turbulence for an economy that remains on solid footing," Freddie Mac Chief Economist Sam Khater said.

Mortgage rates fell to the lowest level in more than a year, raising hopes for relief in the battered U.S. housing market. The average rate on the standard 30-year fixed mortgage fell around a quarter percentage point to 6.47%, according to a survey of lenders released Thursday by mortgage-finance giant Freddie Mac, a low not seen since May 2023 and the sharpest weekly decline in around nine months.

Mortgage rates this week dropped to their lowest level in more than a year, delivering some long-sought relief for homebuyers. The average interest rate for a 30-year fixed mortgage stands at 6.47%, Freddie Mac said on Thursday. That figure marks a drop of more than a percentage point from a peak attained last year after the Federal Reserve hiked interest rates in an effort to fight inflation.

I found this Lara Logan interview of Dr. Kirk Elliot on Lara Logan's Substack (https://laralogan.substack.com/) posted on 7/8/24 but the post indicated the interview took place on 7/3/24 (https://bit.ly/3XVJQfz). Dr. Elliot discusses the failure of Bidenomics in terms of inflation and probable Bank failures.

We recently asked our Upworthy audience on Facebook, "What's something that you really enjoy that other people can't seem to understand?" and over 1,700 people weighed in. Some people shared things like housework, cleaning and laundry, which a lot of people see as chores. Others shared different puzzles or forms of art they like doing, and still others shared things like long car rides or grocery shopping.But one answer dominated the list of responses. It came in various wordings, but by far the most common answer to the question was "silent solitude." Here are a few examples:"Feeling perfectly content, when I’m all alone.""Being home. Alone. In silence.""That I enjoy being alone and my soul is at peace in the silence. I don't need to be around others to feel content, and it takes me days to recharge from being overstimulated after having an eventful day surrounded by others.""Enjoying your own company. Being alone isn’t isolating oneself. It’s intentional peace and healthy… especially for deep feelers/thinkers."Spending time by ourselves is something some of us relish, while some of us hate being alone. Naturally, this points to the common theory of introversion vs. extraversion, but in some ways, that's overly simplistic. Even the most peopley people among us can enjoy some quality alone time, and not all introverts see time alone as truly enjoyable. (It might be necessary for an introvert's well-being, but not necessarily something they truly revel in.)Interesting, studies have found that people who enjoy being alone are not any more or less extraverted than those who don't, though they do tend to be less "sociable." They are also less likely to be neurotic (tense, moody, worrying types) than the generally population and more likely to be open-minded. Those characteristics are the opposite of what social norms often tell us about people who want to be alone. "If our stereotypes about people who like being alone were true, then we should find that they are neurotic and closed-minded. In fact, just the opposite is true," writes Bella DePaulo, PhD. There may be lots of reasons some people like to spend time by themselves while others don't. We are naturally social creatures and need social interaction, but some of us find ourselves overstimulated by being around other people all the time. On the flip side, some people find being alone not just unenjoyable, but extremely uncomfortable, which can be a problem."Ideally, we should be comfortable with ourselves, alone or with others," writes psychologist Tara Well Ph.D.. "If you are uncomfortable being alone, it means you are uncomfortable being with yourself without distraction, engagement, or affirmation from others. This can be a liability in life. If you cannot be alone, you may stay in situations or make life choices that aren’t good for you in the long run, like staying in a job or a relationship, mainly because you can’t tolerate being alone while transitioning to a better situation."Dr. Well also points out that people can make the most of their alone time, even if it's not something they naturally enjoy. One way is to make it purposeful, setting aside a little time daily to write in a journal, meditate, go for a walk or otherwise engage your mind and body in some form of reflection. Another is to pay attention to self-judgments that might make alone time uncomfortable and challenge them with some compassionate confrontation and counteraction with positive thoughts about yourself. Alone time can be refreshing and rewarding, especially if it's something you naturally crave. Some people even like to take themselves out on dates or enjoy traveling by themselves. That kind of self-care can be just as important as connecting with others for our overall health and well-being. Being alone doesn't mean being a loner and it doesn't mean being lonely. Some of us genuinely like having quality time with ourselves, whether it makes sense to other people or not. This article originally appeared on 1.1.24

Of course, racism and hatred are very real issues, and ones that we must discuss in order to make progress. But with all the coverage of people behaving badly flooding our awareness through the media and online, it can be easy to write-off humanity entirely. To believe that the world is inherently a divisive, dangerous and ultimately declining place to live. When in reality, not everything is so bleak.That’s what makes sharing this story so important. A Black woman named Jo'lee Shine was stuck in her overheated car in front of a stranger's house, waiting for a tow truck to arrive. When a white man, the homeowner, began approaching her, Jo'lee immediately started recording the interaction. And thank goodness she did, because this was a moment worth immortalizing. “I'm so sorry, my car ran hot,” she says in the clip, and begins trying to start the car to prove her situation. And then, in the sweetest southern accent you ever heard, we hear “don’t try to crank it baby.”When then hear him offer to put water in the car, made sure Jo'lee had coming to pick her up, and then…wait for it…asked if she wanted lunch. "We’ll be eating lunch shortly. While we wait on [the tow truck] if we get everything set up I’ll come get you and we’ll have dinner,” he says. This brings Jo’lee to instant tears. “That was so sweet,” she whimpers. With a chuckle, the man replies, “that’s the way we are.” he then shared how he just had 22 people over at his house the night before for “a family gathering.” Jo’lee declines the lunch offer, but profusely thanks the kind stranger as she wipes the tears that continue to fall. Just before he goes, the man says that he’ll check back in, joking that the tow truck “might be delayed” and she might change her mind.In her caption, Jo’lee wrote, “I wasn’t going to post this, but I wanted people to know that they’re still good people in this world.” See on Instagram Seems like that mission was accomplished. The video, which has gotten over 176,000 likes on Instagram, gave everyone a little dose of hope. Just take a look at some of these lovely comments:“This is who we are...it sucks that movies have put fear in people to that level. That makes me sad that there's fear and division keeping us all from sharing love that I KNOW is in all of us.”“The media works to divide us, don't believe their lies. We love all people.. God Bless.”"I'll come get you when we get dinner on the table?!!" ❤️?❤️?❤️???????”“The way he called you baby without a mean tone in his soul.”“This renews my faith in humanity. He tried to help her without any thought of race.”“Just when we think humanity has died, this happens ♥️. Human kindness for the win.”Indeed, the world has its’ Karens…and even worse characters. But it also has people who invite strangers to dinner, just because it’s a nice thing to do…because it’s the “way they are.” It’s the way a lot of us are, when we let ourselves be.This article originally appeared on 3.23.24

Over the past few years, women named Karen have taken a lot of heat in the media. The term "Karen" has been used to describe a specific type of entitled, privileged and often middle-aged white woman. Typically, "Karen” is depicted as demanding, self-important and constantly seeking to escalate minor inconveniences to authority figures, like demanding to "speak to the manager."Identifying the folks who create unnecessary drama in our world is important. But calling them a “Karen” isn’t the best way to solve the problem. There are many reasons to have an issue with the “Karen” stereotype. First, it’s terrible for people named Karen, and it’s also a connotation that many feel is racist, sexist and ageist. Further, according to a new study by Trustpilot, the stereotype isn’t accurate. A recent survey by the online media site found that the people who leave the most one-star reviews aren’t female, and the women who do it the most aren’t named Karen.Trustpilot is a site where people can review a business from which they’ve purchased a product or contacted customer service. According to TrustPilot, the number one biggest one-star reviewers are named John, not Karen.“The name John is top for [one-star] reviews in the US, with the rest of the top five positions filled by David, Michael, Chris and James,” the site wrote in a press release. “Looking at specific categories, John is also first for negative reviews in Business Services, Electronics and Technology, Shopping and Fashion, and Money and Insurance. Meanwhile, Lisa left the most [one-star] reviews in our Beauty and Wellbeing category.”So, if your name is Karen, keep this story in your back pocket next time someone stereotypes you as an entitled complainer. The real complainers are the Johns and, for the women, Lisas.Why do people go online and write negative reviews? Psychologist William Berry writes in Psychology Today that people get many positive benefits from complaining, although they may annoy everyone around them.The first big reason is an ego boost. When people complain, they feel validated. It also makes them feel superior to others. Complaining can also bring like-minded people together. If you and a significant other have ever been mistreated in a restaurant or car dealership, having a mutual enemy can work wonders for your relationship.There are also entire groups of people who bond over a common gripe.People who habitually complain may do so because of the brain’s negativity bias. “The human brain, geared for survival, focuses on negatives (as they appear more threatening to survival) than on positives (which enhance life but are less vital for survival),” Berry writes. “As the brain perceives negatives at an approximated ratio of five to one, there is simply more to complain about than there is to be grateful for. Additionally, this may lead to less general happiness.”Here are the top 15 names of consumers who leave the most one-star reviews on Trustpilot. (Also known as the folks that owe the Karens out there an apology.)1. John2. David3. Michael4. Chris5. James6. Mike7. Mark8. Robert9. Alex10. Paul11. Lisa12. Sarah13. Steve14. Sam15. DanielThis article originally appeared on 9.7.23

Meghan Smith is the owner of Melody Note Vintage store in the eternally hip town of Palm Springs, California, and her old-school Gen X advice has really connected with younger people on TikTok.In a video posted in December 2022, she shares the advice she wishes that “somebody told me in my twenties” and it has received more than 13 million views. Smith says that she gave the same advice to her partner's two daughters when they reached their twenties. The video is hashtagged #GenX advice for #GenZ and late #millennials. Sorry older millennials, you’re too old to receive these pearls of wisdom.Here is some of the timeless advice that Smith shares in the video.Perfection is bullshit.You will never be more good-looking than you are today.Put your phone down and enjoy your life.Don't change for anybody.Don't worry about making mistakes.Laugh at yourself.If somebody shows you their true colors, believe them.Travel.You end up dating the people you think you deserve. Usually, you deserve better.Don’t forget to always wear your sunscreen. @melodynotevintage This might only help one person and thats ok. Advice I wish somebody told me in my twenties. #genx advice for #genz and late #millennials #adviceforyour20s #lifeadvice #fyp dont be an asshat in the comments if you are older, its not helpful. She followed up the video with a sequel with even more sage advice.Know who's on your side and who you can ask for help.Don't smoke.Don't spend longer than one year with the wrong person.Find your own style.Don't stress over the small stuff.Good manners don't go out of style.Do the work that it takes to be really good at something.Your happiness is more important than other people's disappointment. @melodynotevintage This might only help one person and thats ok. Advice I wish somebody told me in my twenties part 2 #genx advice for #genz and late #millennials #adviceforyour20s #lifeadvice #fyp This article originally appeared on 1.18.23

If we looked 60 years into the past, there are a lot of things that were accepted as “normal” that today most people find abhorrent. For example, people used to smoke cigarettes everywhere. They’d light up in hospitals, schools and even churches.People also used to litter like crazy. It’s socially unacceptable now, but if you lived in the ’70s and finished your meal at McDonald’s, you’d chuck your empty styrofoam container (remember those?) and soda cup right out of the window of your car and onto the street.It’s hard to imagine that just 60 years ago spousal abuse was considered family business and wasn't the concern of law enforcement.It makes me wonder when people in the future look back on the year 2022, which things will they see as barbaric? Almost certainly, the way we treat the animals we use for food will be seen as cruel. The racial divides in the criminal justice system will be seen as a moral abomination. And I’m sure that people will also look at our continued reliance on fossil fuels as a major mistake.A Reddit user by the name u/MEMELORD_JESUS asked the AskReddit subforum “What’s the weirdest thing society accepts as normal?” and the responses exposed a lot of today’s practices that are worth questioning.A lot of the responses revolved around American work ethic and how we are taught to live to work and not to work to live. We seem to always be chasing some magical reward that’s just around the corner instead of enjoying our everyday lives. “I’ll get to that when I retire,” we say and then don’t have the energy or the inclination to do so when the time comes.There are also a lot of people who think that our healthcare system will be looked at with utter confusion by people in the future. Here are 17 of the best responses to the question, “What’s the weirdest thing society accepts as normal?”1. Work-life balance"Working until you're old, greying, and broken then using whatever time you have left for all the things you wish you could have done when you were younger." — Excited_Avocado_84922. Rest in comfort"That dead people need pillows in caskets." — Qfn4g020163. I.R.S. mystery"Guessing how much you owe the IRS in taxes." — SheWentThruMyPhone4. You get the leaders you deserve"Politicians blatantly lying to the people. We accept it so readily, it's as though it's supposed to be that way." — BlackLetyterLies5. The booze-drugs separation"Alcohol is so normalized but drugs are not. It's so weird. I say this as an alcohol loving Belgian, beer is half of our culture and I'm proud of it too but like... that's fucking weird man." — onions_cutting_ninja6. Stage-parent syndrome"People having kids and trying to live their lives again through them, vicariously, forcing the kids to do things that the parents never got to do, even when the kids show no inclination, and even have an active dislike, for those things." — macaronsforeveryone7. Priorities"Living to work vs working to live." — Food-at-last8. 'The Man' is everywhere"Being on camera or recorded any time you are in public." — Existing-barely9. Tragic positivity "'Feel-good' news stories about how a kid makes a lemonade stand or something to pay for her mom's cancer treatment because no one can afford healthcare in America." — GotaLuvit3510. Credit score"As a non-American, I am amazed at their credit score system. As a third-world citizen, credit cards are usually for rich (and slightly less rich) people who have more disposable money than the rest of us and could pay off their debt.The way I see people on Reddit talk about it is strange and somewhat scary. Everyone should have a card of his own as soon as he becomes an adult, you should always buy things with it and pay back to actively build your score. You're basically doomed if you don't have a good score, and living your life peacefully without a card is not an option, and lastly, you'll be seen as an idiot if you know nothing about it." — BizarroCullen11. The retirement trap"Spending 5/7ths of your life waiting for 2/7ths of it to come. We hate like 70% of our life, how is that considered fine?" — Deltext3rity12. Yes, yes and yes"Child beauty pageants." — throwa_way68213. That's not justice"The rape of male prisoners. It's almost considered a part of the sentence. People love to joke about it all the time." — visicircle14. Customers aren't employers"Tipping culture in the US. Everyone thinks that it's totally OK for employers not to pay the employees, and the customers are expected to pay extra to pay the employees wages. I don't understand it." — Lysdexiic15. Staring at your phone"Having smartphones in our faces all day. This shit isn't normal...imma do it anyway...but it is not normal." — Off_Brand_Barbie_OBB16. Homework on weekends"Students being assigned homework over weekends and only having a two-day weekend. The whole point of a weekend is to take a break from life, and then you have one day to recover from sleep deprivation then one day to relax which you can’t because of thinking about the next day being Monday. And the two days still having work to do anyways." — MrPers0n3O17. Kids on social media"Children/young teens posting on social media sites. I’m not necessarily talking about posting on a private Instagram followed by friends, I’m talking about when kids post on tiktok publicly without parental consent." — thottxy This article originally appeared on 03.11.22

Chris Starkey posted a video to Facebook on Monday of himself and his daughter Brooklyn doing a dance-off to Flo Rida's "Low"—and it's unexpectedly awesome. Starkey wrote, "My daughter challenged me to a dance off and said I don't have it anymore. See that closet in the back she is still crying in it!!!" So much silly shade thrown around in this family, it's delightful.When you see their fun banter and Starkey's middle-aged-man moves, you'll see why the video has been shared more than 280,000 times in two days. Starkey wrote in a comment that the reaction has brought tears to his eyes and encourages everyone to "Give back to your community" right now. He also says another video will be coming on Monday.Excellent. We need this kind of levity right now more than ever.Chris StarkeyThis article originally appeared on 03.25.20