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Source: https://due.com/feed/

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11. <title>Due</title>
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23. <title>Student Loan Deferrals Rise to 3.4 Million in Third Quarter</title>
24. <link>https://due.com/student-loan-deferrals-rise-to-3-4-million-in-third-quarter/</link>
26. <dc:creator><![CDATA[Brad Anderson]]></dc:creator>
27. <pubDate>Fri, 31 Oct 2025 16:52:25 +0000</pubDate>
28. <category><![CDATA[News]]></category>
29. <guid isPermaLink="false">https://due.com/?p=94464</guid>
30.  
31. <description><![CDATA[<p>Federal student loan deferrals increased to 3.4 million borrowers in the third quarter of 2023, according to recent data. This marks a rise of 200,000 borrowers compared to the same period last year, when 3.2 million borrowers had deferred their payments. The growing number of deferrals comes amid ongoing challenges in the student loan landscape, […]</p>
32. <p>The post <a href="https://due.com/student-loan-deferrals-rise-to-3-4-million-in-third-quarter/">Student Loan Deferrals Rise to 3.4 Million in Third Quarter</a> appeared first on <a href="https://due.com">Due</a>.</p>
33. ]]></description>
34. <content:encoded><![CDATA[<p><a href="https://studentaid.gov/manage-loans/lower-payments/get-temporary-relief/deferment" rel="noopener noreferrer" target="_blank">Federal student loan deferrals</a> increased to 3.4 million borrowers in the third quarter of 2023, according to recent data. This marks a rise of 200,000 borrowers compared to the same period last year, when 3.2 million borrowers had deferred their payments.</p>
35. <p>The growing number of deferrals comes amid ongoing challenges in the student loan landscape, as borrowers continue to navigate repayment options following the end of the pandemic-era payment pause earlier this year.</p>
36. <h2>Rising Deferral Trends</h2>
37. <p>The increase in deferrals represents a 6.25% jump year-over-year, suggesting more borrowers are seeking temporary relief from their federal student loan obligations. Deferrals allow borrowers to temporarily stop making payments on their federal student loans under specific circumstances, such as economic hardship or continued education.</p>
38. <p>This upward trend in deferrals may reflect broader economic pressures facing borrowers, including inflation, housing costs, and other financial strains that make student loan repayment difficult for many Americans.</p>
39. <h2>Post-Pandemic Repayment Challenges</h2>
40. <p>The rise in deferrals coincides with the resumption of federal student loan payments after a three-year pause implemented during the COVID-19 pandemic. Many borrowers who had grown accustomed to not making payments are now facing the reality of fitting these obligations back into their monthly budgets.</p>
41. <p>Financial experts point to several factors that might be driving the increase:</p>
42. <ul>
43. <li>Lingering economic uncertainty despite low unemployment</li>
44. <li>Higher costs of living affecting borrowers’ ability to repay</li>
45. <li>Confusion about available repayment options</li>
46. <li>Transition difficulties after the extended payment pause</li>
47. </ul>
48. <h2>Impact on Borrowers and the Federal Loan System</h2>
49. <p>While deferrals provide short-term relief, they can have long-term consequences for borrowers. During most types of deferment, interest continues to accrue on unsubsidized loans, potentially increasing the total amount owed over time.</p>
50. <p>The Department of Education has been working to implement various relief measures, including the SAVE (Saving on a Valuable Education) <a href="https://studentaid.gov/manage-loans/repayment/plans/income-driven" rel="noopener noreferrer" target="_blank">income-driven repayment plan</a>, which aims to make monthly payments more affordable based on income and family size.</p>
51. <p>“The increase in deferrals signals that many borrowers are still struggling to incorporate loan payments into their budgets,” noted one student loan expert. “This highlights the ongoing challenges in the federal student loan system despite recent reform efforts.”</p>
52. <h2>Looking Forward</h2>
53. <p>Education policy analysts are watching these numbers closely to determine whether this represents a temporary adjustment period or a more persistent trend that might require additional policy interventions.</p>
54. <p>The Biden administration continues to pursue alternative paths to student loan relief following legal challenges to broader forgiveness plans. Meanwhile, borrowers facing repayment difficulties are encouraged to explore income-driven repayment plans rather than deferrals when possible, as these plans can offer more sustainable long-term solutions.</p>
55. <p>As the fourth quarter progresses and more borrowers re-enter repayment, these numbers will provide important insights into the health of the federal student loan system and the financial wellbeing of millions of Americans carrying educational debt.</p>
56. <p>The post <a href="https://due.com/student-loan-deferrals-rise-to-3-4-million-in-third-quarter/">Student Loan Deferrals Rise to 3.4 Million in Third Quarter</a> appeared first on <a href="https://due.com">Due</a>.</p>
57. ]]></content:encoded>
61. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/c7e1ea29-f6d4-4686-96b3-f8349e808822_1761843017-1024x576.webp" width="800" height="450"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
62. <item>
63. <title>Jewelry Sales Outshine Other Luxury Categories</title>
64. <link>https://due.com/jewelry-sales-outshine-other-luxury-categories-2/</link>
66. <dc:creator><![CDATA[Brad Anderson]]></dc:creator>
67. <pubDate>Fri, 31 Oct 2025 15:52:26 +0000</pubDate>
68. <category><![CDATA[News]]></category>
69. <guid isPermaLink="false">https://due.com/?p=94462</guid>
70.  
71. <description><![CDATA[<p>Jewelry sales have emerged as a consistent top performer in the luxury market, outpacing other major categories including leather goods and ready-to-wear fashion. This trend highlights a significant shift in consumer spending patterns within the high-end retail sector. While many luxury segments have faced fluctuating demand, jewelry has maintained strong sales momentum, establishing itself as […]</p>
72. <p>The post <a href="https://due.com/jewelry-sales-outshine-other-luxury-categories-2/">Jewelry Sales Outshine Other Luxury Categories</a> appeared first on <a href="https://due.com">Due</a>.</p>
73. ]]></description>
74. <content:encoded><![CDATA[<p>Jewelry sales have emerged as a consistent top performer in the luxury market, outpacing other major categories including leather goods and ready-to-wear fashion. This trend highlights a significant shift in consumer spending patterns within the high-end retail sector.</p>
75. <p>While many luxury segments have faced fluctuating demand, jewelry has maintained strong sales momentum, establishing itself as a reliable revenue generator for luxury brands and retailers. The category’s resilience comes at a time when many luxury houses are reassessing their product mix to adapt to changing market conditions.</p>
76. <h2>Market Performance Analysis</h2>
77. <p>The strong performance of jewelry stands in direct contrast to the challenges faced by leather goods, which have traditionally been a cornerstone of luxury sales. Ready-to-wear collections have similarly struggled to match jewelry’s consistent results, despite seasonal refreshes and marketing pushes.</p>
78. <p>Industry data suggests this trend may reflect <a href="https://www.dalecarnegie.com/blog/sales-strategies-changing-consumer-priorities/" rel="noopener noreferrer" target="_blank">changing consumer priorities</a>, with shoppers increasingly viewing fine jewelry as an investment rather than simply a fashion statement. Unlike seasonal clothing or trend-driven accessories, jewelry often retains or increases in value over time.</p>
79. <p>“Jewelry has proven to be a bright spot,” according to market analysis, demonstrating remarkable stability even during periods when other luxury categories have experienced sales volatility.</p>
80. <h2>Consumer Behavior Shifts</h2>
81. <p>Several factors may explain jewelry’s strong position in the luxury market:</p>
82. <ul>
83. <li>Investment value during economic uncertainty</li>
84. <li>Emotional significance of jewelry purchases</li>
85. <li>Longevity compared to fashion-driven categories</li>
86. <li>Growing interest in heritage and craftsmanship</li>
87. </ul>
88. <p>The emotional connection consumers form with jewelry pieces often translates to purchasing decisions that transcend short-term fashion trends. Many buyers view fine jewelry as heirloom pieces that can be passed down through generations, adding a dimension of value beyond the immediate purchase.</p>
89. <h2>Strategic Implications for Luxury Brands</h2>
90. <p>This performance gap between jewelry and other categories has prompted many luxury houses to reconsider their product strategies. Several major brands have expanded their jewelry offerings or launched dedicated jewelry collections to capitalize on this growth area.</p>
91. <p>For luxury conglomerates with diverse portfolios, the strong jewelry performance has helped offset weaker results in other divisions. Brands primarily focused on ready-to-wear or leather goods may need to evaluate their exposure to jewelry to remain competitive.</p>
92. <blockquote><p>Jewelry has proven to be a bright spot, consistently outperforming other categories like leather goods and ready-to-wear.</p></blockquote>
93. <p>The trend also affects retail space allocation, with some luxury department stores and multi-brand retailers expanding their jewelry departments while reducing floor space for underperforming categories.</p>
94. <p>As the luxury market continues to evolve, jewelry’s strong performance signals important shifts in consumer preferences. Brands that recognize and adapt to this trend may find themselves better positioned to weather market fluctuations and connect with luxury shoppers seeking lasting value in their purchases.</p>
95. <p>The post <a href="https://due.com/jewelry-sales-outshine-other-luxury-categories-2/">Jewelry Sales Outshine Other Luxury Categories</a> appeared first on <a href="https://due.com">Due</a>.</p>
96. ]]></content:encoded>
100. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/e10adf81-275a-4baf-9552-42df6496ec8e_1761839417-1024x576.webp" width="800" height="450"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
101. <item>
102. <title>Apple anticipates revenue growth with the new iPhone upgrade</title>
103. <link>https://due.com/apple-anticipates-revenue-growth-with-the-new-iphone-upgrade/</link>
105. <dc:creator><![CDATA[Matt Rowe]]></dc:creator>
106. <pubDate>Fri, 31 Oct 2025 15:00:38 +0000</pubDate>
107. <category><![CDATA[News]]></category>
108. <guid isPermaLink="false">https://due.com/?p=94469</guid>
109.  
110. <description><![CDATA[<p>As consumers scramble to upgrade to the new iPhone 17, Apple reported record sales and predicted a strong December quarter. According to Chief Financial Officer Kevan Parekh, the company anticipates a 10% to 12% increase in total revenue over the holiday quarter, which is significantly higher than the 6% growth forecast by Wall Street. He […]</p>
111. <p>The post <a href="https://due.com/apple-anticipates-revenue-growth-with-the-new-iphone-upgrade/">Apple anticipates revenue growth with the new iPhone upgrade</a> appeared first on <a href="https://due.com">Due</a>.</p>
112. ]]></description>
113. <content:encoded><![CDATA[<p>As consumers scramble to upgrade to the new iPhone 17, Apple reported record sales and predicted a strong December quarter.</p>
114. <p>According to Chief Financial Officer <a href="https://www.linkedin.com/in/kevan-parekh-231377/">Kevan Parekh</a>, the company anticipates a 10% to 12% increase in total revenue over the holiday quarter, which is significantly higher than the 6% growth forecast by Wall Street. He ascribed the profit to a “double-digit” rise in iPhone sales over the same period last year.</p>
115. <h3>Apple anticipates revenue growth with the new iPhone upgrade</h3>
116. <p>iPhone sales in the September quarter came in at $49 billion, which was a little less than anticipated. Parekh claimed that a number of models were impacted by supply constraints, but Tim Cook, the CEO, clarified during the earnings call that the shortages were due to “very strong demand.” Following the announcement, Apple’s stock increased by roughly 3% in after-hours trading.</p>
117. <p>Apple has now recorded two consecutive quarters of year-over-year iPhone revenue increases following years of sluggish growth. Additionally, the company is increasing its investments in artificial intelligence, which it said is the reason why operating expenses for the December period will be about $1.5 billion higher than analysts had predicted. Apple still spends far less on <a href="https://due.com/artificial-intelligence-has-become-sentient/">AI</a> than its rivals, even with the increase. Apple’s total quarterly revenue of $102.5 billion was marginally higher than Wall Street’s $102.2 billion forecast and about 8% higher than the same period last year. Early data prior to the earnings release showed that the iPhone upgrade was in high demand, with buyers purchasing the device right away.</p>
118. <p>Consumer Intelligence Research Partners reported “great interest in the Pro and Pro Max models, while the new iPhone 17 Air model showed virtually no sign of traction.” When asked how the Air is selling in comparison to other iPhone 17 models, Cook chose not to respond. According to Parekh, both the iPhone 16 and 17 models were impacted by supply shortages during the September quarter.</p>
119. <h3>China and large growth</h3>
120. <p><a href="https://due.com/why-trumps-china-tariff-plan-faces-defeat/">China’s</a> sales decreased from the year before, escalating a regional competition in which competitors have increased their market share. Cook stated that during the holiday quarter, Apple anticipates a return to growth in China.</p>
121. <p>In the fiscal year that concluded in September, Apple also achieved its first-ever annual services revenue of over $100 billion. Services produce higher profit margins than hardware sales, including app sales, Google’s search fees for Safari, and subscriptions like Apple Music and Apple TV. A recent court decision permitted Google, a division of Alphabet, to keep paying Apple over $20 billion a year to display search results in Safari. According to analysts, those payments amount to roughly a fifth of Apple’s operating profit. Revenue from services, including Google payments, increased by 15% compared to the September quarter of the previous year.</p>
122. <p><em><strong>Featured Image Credit: Gabriel Freytez; Pexels: Thank you!</strong></em></p>
123. <p>The post <a href="https://due.com/apple-anticipates-revenue-growth-with-the-new-iphone-upgrade/">Apple anticipates revenue growth with the new iPhone upgrade</a> appeared first on <a href="https://due.com">Due</a>.</p>
124. ]]></content:encoded>
128. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/Apple-anticipates-revenue-growth-with-the-new-iPhone-upgrade-1024x682.jpg" width="800" height="533"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
129. <item>
130. <title>How to Create a Culture That Outlasts Its Founder</title>
131. <link>https://due.com/how-to-create-a-culture-that-outlasts-its-founder/</link>
133. <dc:creator><![CDATA[John Rampton]]></dc:creator>
134. <pubDate>Thu, 30 Oct 2025 18:00:44 +0000</pubDate>
135. <category><![CDATA[Business Tips]]></category>
136. <category><![CDATA[Entrepreneurs]]></category>
137. <category><![CDATA[Startups]]></category>
138. <category><![CDATA[company culture]]></category>
139. <category><![CDATA[exit strategy]]></category>
140. <category><![CDATA[founder tips]]></category>
141. <guid isPermaLink="false">https://due.com/?p=94047</guid>
142.  
143. <description><![CDATA[<p>Great companies begin with one person’s vision, but it can’t end there. It’s natural that when you start a company, your values, instincts, and personality influence everything — how decisions are made, how people are treated, and how problems are solved. In other words, you are your culture in those early days. As the business […]</p>
144. <p>The post <a href="https://due.com/how-to-create-a-culture-that-outlasts-its-founder/">How to Create a Culture That Outlasts Its Founder</a> appeared first on <a href="https://due.com">Due</a>.</p>
145. ]]></description>
146. <content:encoded><![CDATA[<p>Great companies begin with one person’s vision, but it can’t end there.</p>
147. <p>It’s natural that when you <a href="https://due.com/thinking-of-starting-a-company-here-are-the-5-best-resources-for-getting-started/" target="_blank" rel="noopener">start a company</a>, your values, instincts, and personality influence everything — how decisions are made, how people are treated, and how problems are solved. In other words, you are your culture in those early days.</p>
148. <p>As the business grows, however, that personal imprint can both be a strength and a liability. When you inspire 10 employees, that energy doesn’t automatically grow to inspire 100. As a result of growth, acquisitions, or time, every founder steps back sooner or later.</p>
149. <p>In addition, the companies that last are those with a culture that can stand on its own. And the payoff is huge. <a href="https://www.gallup.com/workplace/327371/how-to-build-better-company-culture.aspx" target="_blank" rel="noopener">Gallup</a> found that when employees feel connected to their organization’s culture, they’re 4.3 times more likely to be engaged, 5.3 times more willing to recommend their workplace, 62% less likely to feel burned out, and 47% less likely to look for work.</p>
150. <p>Here’s how to build a culture that endures — long after the founder moves on.</p>
151. <h2><b>1. Build Principles, Not Personality</b></h2>
152. <p>Early on, <a href="https://due.com/how-founders-self-care-efforts-influence-company-culture/" target="_blank" rel="noopener">company culture </a>often reflects the founder’s habits. Even if you value speed or transparency, unless those values are embodied in principles that everyone can embrace, they will fade as soon as a new leadership emerges.</p>
153. <p>My goal when I started Due was to have the team take ownership and move fast. Rather than saying, “Do it like I would,” we built a company-wide ownership principle that encourages everyone to make decisions as if they were their own.</p>
154. <p>Principles scale, not personalities. As such, integrity, curiosity, and accountability need to be codified so they guide decisions long after you’re gone.</p>
155. <h2><b>2. Codify Culture Before You Need To</b></h2>
156. <p>Whether you shape it or not, culture is constantly forming. By the time you have 50 employees, it’s already baked in — for better or worse.</p>
157. <p>That’s why it’s essential to document your cultural DNA as early as possible. Keep a record of how you <a href="https://due.com/press/success-yec-share-9-ways-to-make-confident-decisions/" target="_blank" rel="noopener">make decisions</a>, how you handle conflict, and what success means to you. You don’t need to write a corporate playbook; it could be a “culture memo” that captures your beliefs and stories.</p>
158. <p>Initially, <a href="https://jobs.netflix.com/culture" target="_blank" rel="noopener">Netflix’s Culture Deck</a> was a living document of values that evolved along with the organization. It’s all about clarity: show future teams what to do when you aren’t there.</p>
159. <h2><b>3. Hire for Alignment, Not Just Skill</b></h2>
160. <p>When it comes to building a strong culture, it starts with who you invite in.</p>
161. <p>It’s tempting to prioritize technical skills or experience. But hiring someone who doesn’t adhere to the company’s values will slowly undermine the culture. Skills can be taught; alignment can’t.</p>
162. <p>We implemented culture checkpoints in Due’s <a href="https://due.com/hiring-tactics/" target="_blank" rel="noopener">hiring process</a>, including questions on ethics, collaboration, and motivation. Although hiring slowed a bit, it ultimately strengthened the team.</p>
163. <p>When a culture is built on alignment, it becomes self-reinforcing. It’s the right people who keep the values that drew them — and they’re fiercely protective of them too.</p>
164. <h2><b>4. Empower Leaders to Carry It Forward</b></h2>
165. <p>When everything runs through you, you cannot build a lasting culture.</p>
166. <p>As your company grows, your managers will become cultural translators. It is up to them to interpret and embody the values you set. Because of that, leadership development is vital — not just achieving KPIs, but communicating why they matter.</p>
167. <p>Ask yourself the following question: Would your team still make decisions according to your <a href="https://due.com/how-to-stay-motivated-when-no-one-sees-your-vision/" target="_blank" rel="noopener">vision </a>if you disappeared for a month? If not, your culture hasn’t been ingrained deeply enough.</p>
168. <p>In the end, let people lead with their values and give them the autonomy to demonstrate them.</p>
169. <h2><b>5. Let Culture Evolve</b></h2>
170. <p>Some <a href="https://due.com/vc-market/" target="_blank" rel="noopener">founders</a> preserve their original cultures like museum pieces, clinging to them too firmly. However, strong cultures evolve over time.</p>
171. <p>Look at Apple. After Steve Jobs’ passing, Apple’s culture shifted toward accessibility and sustainability without losing its core identity.</p>
172. <p>Evolution should be encouraged. Reevaluate your values every few years and ask yourself, <i>“Is this still who we are? ”</i> Also, allow new leaders to interpret your principles in ways that are appropriate for the times. It’s growth, not dilution.</p>
173. <h2><b>6. Separate Yourself from the Company</b></h2>
174. <p>Founders often consider their companies extensions of themselves. Legacy, though, requires letting go.</p>
175. <p>A culture that requires your approval for every major decision indicates a lack of integration. So, develop self-sufficient systems for the company. Also, be a mentor to your successors, and be ok with things running smoothly without your daily involvement.</p>
176. <p>Ultimately, you don’t want to be irreplaceable, but relatively unimportant. It’s the only way you know you’ve built something durable.</p>
177. <h2><b>7. Reinforce Values Through Rituals</b></h2>
178. <p><a href="https://due.com/quiet-rituals-behind-billionaires-like-bill-gates/" target="_blank" rel="noopener">Rituals</a> are small, repeatable behaviors that symbolize your values and keep your culture alive.</p>
179. <p>For example, you could celebrate customer wins at every all-hands meeting. Or, to reinforce transparency, you could host weekly office hours or share failure stories to normalize risk-taking.</p>
180. <p>Moments like these form identity more powerfully than slogans. Every day, they remind people what the company stands for.</p>
181. <h2><b>8. Treat Culture as a Legacy Project</b></h2>
182. <p>At some point, <a href="https://due.com/how-to-make-sure-your-business-lasts-long-after-you/" target="_blank" rel="noopener">every founder will hand over the reins</a> — either to the next generation, to a CEO, or to an acquirer. When it comes to culture, the best organizations treat it as an asset, not as a source of weakness.</p>
183. <p>Document your story. Share your values, your lessons learned, and the principles you will never compromise. Once the torch has been passed, mentor the people who will carry it on.</p>
184. <p>In the end, your legacy is not your title or your balance sheet — it’s how your people treat each other and your customers.</p>
185. <h2><b>Final Thought</b></h2>
186. <p>The most enduring competitive advantage of a company is its culture. Even in tough times, it attracts talent, fuels<a href="https://due.com/10-must-try-innovation-games-to-foster-creativity/" target="_blank" rel="noopener"> innovation</a>, and keeps people engaged.</p>
187. <p>So ask yourself: if you stepped away tomorrow, would your culture still thrive?</p>
188. <p>If the answer is yes, you haven’t just built a business; you have built something that will last a lifetime.</p>
189. <p><em><strong>Image Credit: Alena Darmel; Pexels</strong></em></p>
190. <p>The post <a href="https://due.com/how-to-create-a-culture-that-outlasts-its-founder/">How to Create a Culture That Outlasts Its Founder</a> appeared first on <a href="https://due.com">Due</a>.</p>
191. ]]></content:encoded>
195. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/Create-a-Culture-That-Outlasts-Its-Founder.jpg" width="350" height="233"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
196. <item>
197. <title>Fed Cuts Then Pauses What Investors Should Know</title>
198. <link>https://due.com/fed-cuts-then-pauses-what-investors-should-know/</link>
200. <dc:creator><![CDATA[Taylor Sohns MBA, CIMA®, CFP®]]></dc:creator>
201. <pubDate>Thu, 30 Oct 2025 16:31:31 +0000</pubDate>
202. <category><![CDATA[Money Tips]]></category>
203. <guid isPermaLink="false">https://due.com/?p=94440&#038;preview=true&#038;preview_id=94440</guid>
204.  
205. <description><![CDATA[<p>The Federal Reserve delivered a rate cut and then hit pause. Markets had been counting on another move in December. That confidence faded after Chair Jerome Powell signaled–it may not come. As the CEO of LifeGoal Wealth Advisors and a CIMA and CFP professional, I closely monitor these pivots. The message this time was clear: policy […]</p>
206. <p>The post <a href="https://due.com/fed-cuts-then-pauses-what-investors-should-know/">Fed Cuts Then Pauses What Investors Should Know</a> appeared first on <a href="https://due.com">Due</a>.</p>
207. ]]></description>
208. <content:encoded><![CDATA[<p>The Federal Reserve delivered a rate cut and then hit pause. Markets had been counting on another move in December. That confidence faded after Chair Jerome Powell signaled–it may not come. As <span style="box-sizing: border-box; margin: 0px; padding: 0px;">the CEO of <a href="https://due.com/calculating-your-retirement-number-step-by-step/" target="_blank" rel="noopener">LifeGoal Wealth Advisors and a CIMA and CFP</a> professional, I closely monitor these pivots</span>. The message this time was clear: policy will not ease on autopilot.</p>
209. <h2>What Changed After the Cut</h2>
210. <p>Investors went into the week expecting more easing. The odds for a December cut had been priced at about 94%. That <a href="https://due.com/november-cpi-inflation-numbers-are-in/" data-wpil-monitor-id="9215">number</a> reflected an assumption that growth was cooling and that inflation was settling lower. <a href="https://due.com/trumps-proposed-shadow-fed-chair-plan-challenges-powells-authority/" data-wpil-monitor-id="9204">Powell’s comments challenged</a> both parts of that story.</p>
211. <blockquote><p>“The <a href="https://due.com/federal-reserves-rate-cut-strategy-faces-scrutiny-after-strong-december-jobs-report/" data-wpil-monitor-id="9180">December rate cut</a> the markets had priced with a 94% probability… might not happen after all.”</p></blockquote>
212. <p>The Fed sees inflation stuck near 3%. It also sees no fresh weakness in the <a href="https://due.com/rate-cuts-may-not-solve-the-job-market-issues/" data-wpil-monitor-id="9176">job market</a>. With those conditions, the urgency to keep pushing <a href="https://due.com/understanding-impacts-of-lower-interest-rates/" data-wpil-monitor-id="9201">rates lower</a> just is not there.</p>
213. <div>
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250. <p> </p>
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252. </blockquote>
253. <p><script async="" src="https://www.instagram.com/embed.js"></script></p>
254. </div>
255. </div>
256. <h2>Inflation Is Stuck Near 3 Percent</h2>
257. <p>Inflation has increased for five straight months. It is <a href="https://due.com/recent-recession-affects-retirement-savings-in-the-long-run/" data-wpil-monitor-id="9214">running close to 3% on recent</a> reads. The Fed’s goal is 2%. That gap matters. The Fed wants to be sure <a href="https://due.com/decoding-inflation-trends-and-interest-cuts/" data-wpil-monitor-id="9203">inflation is trending</a> down, not bouncing around.</p>
258. <blockquote><p>“The target’s 2%, and that makes it pretty tough to justify more cuts.”</p></blockquote>
259. <p>This is a policy trade-off. Cut too much and you risk re-accelerating <a href="https://due.com/global-and-uk-economic-uncertainty-creates-price-pressures/" data-wpil-monitor-id="9194">price pressures</a>. Hold steady too long and you <a href="https://due.com/embracing-risk-for-personal-and-societal-growth/" data-wpil-monitor-id="9212">risk undue strain on growth</a> and credit. Today, Powell is <a href="https://due.com/gold-prices-signal-inflation-protection-potential/" data-wpil-monitor-id="9210">signaling that inflation</a> control remains the priority.</p>
260. <p>For households, 3% inflation still bites. It shows up in food, rent, and services. For markets, it affects bond pricing, <a href="https://due.com/understanding-the-dynamics-of-mortgage-rates/" data-wpil-monitor-id="9173">mortgage rates</a>, and stock valuations. If inflation does not cool from here, rates are less likely to drift down in the near term.</p>
261. <h2>Labor Signals Are Steady Despite Shutdown</h2>
262. <p>The <a href="https://due.com/what-a-government-shutdown-means-for-you/" data-wpil-monitor-id="9175">government shutdown</a> has paused some major economic reports. Even with that gap, the <a href="https://due.com/week-ahead-crucial-cpi-report-fed-decision/" data-wpil-monitor-id="9213">Fed continues to receive weekly</a> unemployment claims from states. Those claims are a useful early warning tool. Right now, they do not show rising stress.</p>
263. <blockquote><p>“There’s no increased sign of weakness. So no urgency to cut on that side either.”</p></blockquote>
264. <p>Strong employment gives the Fed cover to wait. If job losses were building, the case for a December cut would be stronger. It is not. That <a href="https://due.com/12-ways-to-keep-inflation-from-stealing-your-holiday-cheer-like-the-grinch/" data-wpil-monitor-id="9205">keeps the focus on inflation</a> and the path back to 2%.</p>
265. <h2>Why Markets Stayed Calm</h2>
266. <p>I expected a sharper reaction. The prospect of one less cut typically pressures stocks and raises bond yields. That did not happen on a large scale right away. There are a few reasons.</p>
267. <ul>
268. <li><a href="https://due.com/us-economy-contracts-despite-stock-market-rally/" data-wpil-monitor-id="9207">Markets had rallied</a> into the meeting, which can mute follow-up moves.</li>
269. <li><a href="https://due.com/trump-media-insider-trading-case-sees-investor-convicted/" data-wpil-monitor-id="9191">Investors see</a> the Fed as data-dependent. That leaves room for a cut if the numbers roll over.</li>
270. <li>Some traders may be waiting for the next <a href="https://due.com/decoding-januarys-unexpected-inflation-report/" data-wpil-monitor-id="9183">inflation report</a> before shifting positions.</li>
271. </ul>
272. <p>Calm does not mean certainty. It means investors need more proof. The next few weeks of data will be important.</p>
273. <h2>Key Takeaways at a Glance</h2>
274. <ul>
275. <li>Markets had priced a 94% chance of a December cut; that is now in doubt.</li>
276. <li>Inflation is near 3% and has risen for five months, above the 2% goal.</li>
277. <li>Weekly <a href="https://due.com/decoding-jobless-claims-impact-on-stocks/" data-wpil-monitor-id="9186">jobless claims</a> show no new weakness, even with other data delayed.</li>
278. <li>The Fed does not feel pressure to cut again right away.</li>
279. <li>Stocks did not sell off hard, but more data could shift that.</li>
280. </ul>
281. <h2>What This Means for Your Money</h2>
282. <p>The Fed’s pause has practical <a href="https://due.com/effective-portfolio-hedging-strategies-for-market-crashes/" data-wpil-monitor-id="9208">effects across portfolios</a>. Here is how I am thinking about several core areas.</p>
283. <h3>Bond Investors</h3>
284. <p>If cuts are slower, yields can stay higher for longer. Short-term Treasuries still offer attractive yields with lower interest-rate risk. That is useful for cash reserves and near-term needs. Long-term bonds are more sensitive to shifts in inflation and growth. A surprise drop in inflation could help them. Sticky inflation would hurt them. Position sizing and duration balance matter.</p>
285. <h3>Stock Investors</h3>
286. <p>Higher-for-longer <a href="https://due.com/stock-market-banishes-fed-rate-hike-worries/" data-wpil-monitor-id="9179">rates affect stock</a> valuations. Rate-sensitive sectors like utilities and <a href="https://due.com/unmasking-the-real-estate-wealth-myth/" data-wpil-monitor-id="9172">real estate</a> can feel pressure. So can parts of tech with profits far out in the future. Companies with strong <a href="https://due.com/how-to-pay-yourself-without-killing-your-cash-flow/" data-wpil-monitor-id="9184">cash flow</a> and pricing power can fare better. Quality balance sheets and steady margins matter in this backdrop.</p>
287. <h3>Mortgages and Housing</h3>
288. <p><a href="https://due.com/decoding-factors-influencing-mortgage-rates/" data-wpil-monitor-id="9174">Mortgage rates</a> track long-term yields more than Fed policy alone. Without a clear path to lower inflation, <a href="https://due.com/mortgage-rates-are-finally-falling-but-they-can-move-fast/" data-wpil-monitor-id="9171">mortgage rates may not move down fast</a>. Buyers should be cautious with timing assumptions. Homeowners with <a href="https://due.com/mortgage-rate-decline-spurs-refinancing-and-adjustable-rate-loan-demand/" data-wpil-monitor-id="9200">adjustable-rate loans</a> need to review reset schedules and payoff plans.</p>
289. <h3>Cash and Savings</h3>
290. <p>Cash yields remain attractive while the Fed holds. That helps short-term savers. But cash is not a long-term growth tool. Consider laddering short-term bonds or CDs if you need income and flexibility. <a href="https://due.com/retire-richer-how-to-master-your-taxes-and-keep-more-of-your-money-legally/" data-wpil-monitor-id="9177">Keep taxes</a> in mind when comparing net yields.</p>
291. <h3>Small Businesses</h3>
292. <p><a href="https://due.com/fed-rate-cut-set-to-lower-small-business-borrowing-costs/" data-wpil-monitor-id="9182">Borrowing costs stay elevated if the next cut</a> is delayed. That affects working capital loans and expansion plans. Firms with variable-rate debt should review covenants, interest coverage, and stress tests. <a href="https://due.com/tips-for-improving-your-accounts-receivable-and-boosting-cash-flow/" data-wpil-monitor-id="9198">Cash flow</a> planning is key while rates plateau.</p>
293. <h2>Scenarios to Watch Into December</h2>
294. <p>The path from here depends on the data. I am watching three scenarios.</p>
295. <h3>Scenario 1: Inflation Cools</h3>
296. <p>If price growth drops toward 2.5% or lower, the Fed could still cut in December. That would support longer-duration bonds and interest-sensitive stocks. It might relieve pressure on <a href="https://due.com/decoding-the-recent-mortgage-rates-surge/" data-wpil-monitor-id="9188">mortgage rates</a>. Markets would likely welcome confirmation that disinflation is back on track.</p>
297. <h3>Scenario 2: Inflation Stays Near 3%</h3>
298. <p>If inflation holds at current levels, December is less likely. The Fed would pause and watch. Equity leadership could shift toward quality and cash flow. Bonds would likely trade in a range unless <a href="https://due.com/fed-faces-tough-decisions-amid-slow-growth-and-high-inflation/" data-wpil-monitor-id="9195">growth slows</a>.</p>
299. <h3>Scenario 3: Labor Weakness Appears</h3>
300. <p>If weekly claims jump and hiring cools, the Fed may regain urgency to cut. That path would help bonds but could weigh on cyclical stocks. Recession risk would rise if job losses spread. The Fed would then try to <a href="https://due.com/millennials-and-gen-zs-should-they-rely-on-crypto-for-retirement-building-a-portfolio-balancing-growth-and-security/" data-wpil-monitor-id="9192">balance growth</a> support with inflation control.</p>
301. <h2>My Read on the Fed’s Message</h2>
302. <p>Powell’s tone was steady. He <a href="https://due.com/trump-to-push-back-against-corporate-dei-initiatives/" data-wpil-monitor-id="9193">pushed back</a> on the idea of a preset easing path. He also kept the option open in case the data changed. That is classic <a href="https://due.com/strategic-retirement-planning-using-options-to-manage-risk/" data-wpil-monitor-id="9189">risk management</a>. Do not lock in cuts while inflation is sticky. Do not rule out cuts if <a href="https://due.com/u-s-economy-shrinks-in-early-2025-as-tariffs-weaken-growth/" data-wpil-monitor-id="9196">growth weakens</a>.</p>
303. <blockquote><p>“Don’t be so sure of an <a href="https://due.com/understanding-federal-reserves-interest-rate-cuts/" data-wpil-monitor-id="9169">interest rate cut</a> situation.”</p></blockquote>
304. <p>Investors sometimes treat Fed guidance as a schedule. This is not that. It is a reminder that each meeting is live. The <a href="https://due.com/millions-of-healthcare-workers-will-use-an-ai-agent-to-find-their-next-job/" data-wpil-monitor-id="9211">next move depends on inflation and jobs</a>, not market odds.</p>
305. <h2>How I’m Positioning and Why</h2>
306. <p>My approach is patient and balanced. I am not chasing a December cut. I am planning for a wider range of outcomes.</p>
307. <ul>
308. <li>Maintain a core in high-quality bonds with moderate duration to <a href="https://due.com/investment-risk-management-through-party-behavior-analogy/" data-wpil-monitor-id="9206">manage rate risk</a>.</li>
309. <li>Use short-term Treasuries and cash equivalents for liquidity and near-term needs.</li>
310. <li>Favor equities with strong balance sheets, consistent margins, and pricing power.</li>
311. <li>Be selective with rate-sensitive sectors; focus on quality and cash flow coverage.</li>
312. <li>Stress test portfolios for both higher-for-longer rates and a <a href="https://due.com/personal-loans-remain-vital-tool-despite-growth-slowdown/" data-wpil-monitor-id="9199">growth slowdown</a>.</li>
313. </ul>
314. <p>This is not the time for an all-or-nothing bet on <a href="https://due.com/rate-cuts-impact-on-stocks-a-historical-analysis/" data-wpil-monitor-id="9185">rate cuts</a>. It is a <a href="https://due.com/navigating-challenging-times-smart-money-moves-for-lasting-resilience/" data-wpil-monitor-id="9178">time to build resilience</a>. Diversification and risk controls matter more when policy signals are mixed.</p>
315. <h2>What Could Change the Picture Fast</h2>
316. <p>Two types of data could move the Fed and the market quickly.</p>
317. <p>First, a clear drop in inflation across core services would ease policy pressure. That would reopen the case for December. Second, a sudden spike in jobless claims would raise <a href="https://due.com/economic-growth-stalls-amid-job-growth-concerns/" data-wpil-monitor-id="9209">concerns about growth</a>. That would also bring cuts back into play. Both paths could arrive with little warning. That is why I rely on disciplined rebalancing rather than big <a href="https://due.com/debunking-market-timing-a-comprehensive-guide/" data-wpil-monitor-id="9187">market timing</a> calls.</p>
318. <h2>Final Thought</h2>
319. <p>The <a href="https://due.com/what-markets-signal-ahead-of-fed-cut/" data-wpil-monitor-id="9190">Fed cut</a>, then tapped the brakes. Inflation near 3% and steady labor signals argue for patience. Markets took the news without a sharp sell-off, but the next reports matter. Build a plan that works if cuts come later than hoped. Keep quality at the center of your portfolio. Stay flexible and let the data guide your decisions.</p>
320. <h2></h2>
321. <p>The post <a href="https://due.com/fed-cuts-then-pauses-what-investors-should-know/">Fed Cuts Then Pauses What Investors Should Know</a> appeared first on <a href="https://due.com">Due</a>.</p>
322. ]]></content:encoded>
326. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/Fed-Cuts-Then-Pauses-What-Investors-Should-Know.webp" width="350" height="197"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
327. <item>
328. <title>General Motors lays off 3,300 factory workers in U.S. plants</title>
329. <link>https://due.com/general-motors-lays-off-3300-factory-workers-in-u-s-plants/</link>
331. <dc:creator><![CDATA[Matt Rowe]]></dc:creator>
332. <pubDate>Thu, 30 Oct 2025 15:00:11 +0000</pubDate>
333. <category><![CDATA[News]]></category>
334. <guid isPermaLink="false">https://due.com/?p=94457</guid>
335.  
336. <description><![CDATA[<p>As it withdraws from EV production after federal subsidies ended and some emissions regulations were repealed, General Motors is firing thousands of UAW-represented workers at factories that produce EV batteries and electric vehicles. Beginning in January, GM intends to fire over 3,300 hourly employees from its U.S. plants in Tennessee, Ohio, and Michigan. The company […]</p>
337. <p>The post <a href="https://due.com/general-motors-lays-off-3300-factory-workers-in-u-s-plants/">General Motors lays off 3,300 factory workers in U.S. plants</a> appeared first on <a href="https://due.com">Due</a>.</p>
338. ]]></description>
339. <content:encoded><![CDATA[<p>As it withdraws from EV production after federal subsidies ended and some emissions regulations were repealed, General Motors is firing thousands of UAW-represented workers at factories that produce <a href="https://due.com/insurance-on-electric-cars-what-buyers-and-owners-need-to-know/">EV</a> batteries and electric vehicles.</p>
340. <p>Beginning in January, GM intends to fire over 3,300 hourly employees from its U.S. plants in Tennessee, Ohio, and Michigan. The company anticipates calling back more than 1,500 employees in mid-2026, but it will lay off more than 1,700 workers indefinitely. According to the automaker, it will start idling the battery plants in Ohio and Tennessee that it co-owns with LG Energy Solution on January 5 and start up again in the middle of 2026.</p>
341. <h3>General Motors lays off 3,300 factory workers in U.S. plants</h3>
342. <p>Additionally, GM plans to lay off roughly 1,200 of the 3,400 employees at its EV assembly plant in Detroit for an indefinite period of time. Until Nov. 24, the Detroit plant, which typically operates two shifts, is idle. It will continue manufacturing GM’s larger and more costly EVs, the Cadillac Escalade IQ, GMC Hummer, GMC Sierra, and Chevrolet Silverado, on a one-shift basis starting next year.</p>
343. <p>There are other automakers reducing their EV plans besides GM. Ford is moving employees from its electric F-150 Lightning manufacturing facility to a nearby facility that produces the more well-liked and lucrative gasoline-powered model. Honda suspended orders for GM’s electric Acura ZDX, and Nissan decided not to offer its Ariya EV as a 2026 model. “In response to slower near-term EV adoption and an evolving regulatory environment, General Motors is realigning EV capacity,” the company said.</p>
344. <p>EVs are still GM’s “North Star,” according to CEO <a href="https://www.linkedin.com/in/mary-barra/">Mary Barra</a>, despite the company’s short-term output reduction. With roughly a dozen models, the company has one of the widest EV lineups in the industry. In the past, it has recognized that increasing EV sales is a crucial component of its profitability strategy.</p>
345. <p>However, GM has recently taken a backseat in an effort to limit losses. In the third quarter, the company recorded a $1.6 billion special charge for its EV pullback, which included stranded expenses like tooling for a Michigan factory that was initially planned for EV production but is now used for gasoline-powered trucks and SUVs. As part of its decision to stop producing its electric BrightDrop commercial vans in <a href="https://due.com/trumps-strategic-tariff-negotiations-with-mexico-and-canada-yield-border-security-results/">Canada</a>, GM will face additional charges.</p>
346. <p><em><strong>Featured Image Credit: Mike van Schoonderwalt; Pexels: Thank You!</strong></em></p>
347. <p>The post <a href="https://due.com/general-motors-lays-off-3300-factory-workers-in-u-s-plants/">General Motors lays off 3,300 factory workers in U.S. plants</a> appeared first on <a href="https://due.com">Due</a>.</p>
348. ]]></content:encoded>
352. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/General-Motors-lays-off-3300-factory-workers-in-U.S.-plants-1024x682.jpg" width="800" height="533"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
353. <item>
354. <title>Learned Algebra, Not How to Budget — 7 Money Skills I Wish I’d Learned Sooner</title>
355. <link>https://due.com/learned-algebra-not-how-to-budget-7-money-skills-i-wish-id-learned-sooner/</link>
357. <dc:creator><![CDATA[Jeff Rose]]></dc:creator>
358. <pubDate>Thu, 30 Oct 2025 14:04:24 +0000</pubDate>
359. <category><![CDATA[Money Tips]]></category>
360. <category><![CDATA[financial education]]></category>
361. <category><![CDATA[money skills]]></category>
362. <category><![CDATA[what I wish I learned earlier]]></category>
363. <guid isPermaLink="false">https://due.com/?p=94431</guid>
364.  
365. <description><![CDATA[<p>It might surprise you to learn that I wasn’t exactly homecoming royalty in high school. Think of Screech from “Saved by the Bell” more than the suave financial expert you know today. Honestly, I’ve blocked out most of those years. There is one thing, however, that I didn’t block out. The things I didn’t learn […]</p>
366. <p>The post <a href="https://due.com/learned-algebra-not-how-to-budget-7-money-skills-i-wish-id-learned-sooner/">Learned Algebra, Not How to Budget — 7 Money Skills I Wish I’d Learned Sooner</a> appeared first on <a href="https://due.com">Due</a>.</p>
367. ]]></description>
368. <content:encoded><![CDATA[<p>It might surprise you to learn that I wasn’t exactly homecoming royalty in high school. Think of Screech from<i> “Saved by the Bell”</i> more than the suave <a href="https://due.com/secrets-to-finance-during-difficult-times/" target="_blank" rel="noopener">financial expert </a>you know today. Honestly, I’ve blocked out most of those years.</p>
369. <p>There is one thing, however, that I didn’t block out. The things I didn’t learn in high school. Specifically, the personal finance lessons I missed in high school. And, are you ready for this? A few days after I published that article, my old consumer education teacher emailed me. And, she wasn’t exactly thrilled.</p>
370. <p><i>“Jeff, after reading your </i><a href="https://www.goodfinancialcents.com/" target="_blank" rel="noopener"><i>Good Financial Sense blog</i></a><i> post this morning… I am curious if your post is fiction or nonfiction. I seem to have a different recollection of your high school days.”</i></p>
371. <p>Ouch. There’s nothing like having your former teacher fact-check your statement.</p>
372. <p>I responded right away to assure her she wasn’t a terrible instructor — I think I got a B in her class, so I must’ve liked her. Truth be told, I don’t remember learning any practical money skills.</p>
373. <p>If I didn’t retain them, what chance does the average teen have in this world that is constantly changing?</p>
374. <p>Ultimately, we’re sending young adults into an economy that’s all digital, <a href="https://due.com/from-ramen-noodles-to-riches-how-i-learned-the-secret-to-wealth-with-side-hustles/" target="_blank" rel="noopener">side hustle</a>-driven, expensive as hell, and completely <a href="https://due.com/market-uncertainties-loom-as-stocks-mirror-1999-growth-pattern/" target="_blank" rel="noopener">uncertain</a> — with a money education that’s barely evolved since 1985. We need to fix that.</p>
375. <h2><b>Why Financial Education Matters More Than Ever</b></h2>
376. <p>First, let’s face some hard truths:</p>
377. <ul>
378. <li style="font-weight: 400;"><b>The emergency fund crisis.</b> According to <a href="https://www.bankrate.com/banking/savings/emergency-savings-report/" target="_blank" rel="noopener">Bankrate</a>, only 46% of Americans have enough <a href="https://due.com/40-smart-ways-to-build-an-emergency-fund/" target="_blank" rel="noopener">emergency savings</a> to cover three months’ expenses. Additionally, 30% of Americans have some emergency savings, but not enough to cover three months’ expenses, and 24% have none. One popped tire or dead laptop, and boom–credit card time.</li>
379. <li style="font-weight: 400;"><b>The debt epidemic.</b> People are devoured by<a href="https://due.com/how-to-break-the-cycle-of-generational-debt-a-path-to-financial-freedom/" target="_blank" rel="noopener"> debt</a>, including credit card, student loan, and auto loan debt. In fact,<a href="https://www.businessinsider.com/personal-finance/credit-score/average-american-debt" target="_blank" rel="noopener"> the average American owes over $120,000</a> in mortgages, auto loans, student loans, and credit cards. We’re building wealth for banks, not for ourselves.</li>
380. <li style="font-weight: 400;"><b>The confidence trap.</b> Almost everyone thinks they’re good with money. Confidence, however, often outruns competence, which leads to poor financial decisions.</li>
381. </ul>
382. <p>To change that story, we need to start earlier. Listed below are seven money skills I wish someone had taught me when I was a teenager.</p>
383. <p><iframe title="7 Financial Skills I Wished I Would Have Learned in High School" width="800" height="450" src="https://www.youtube.com/embed/bqWu2UmCV8A?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></p>
384. <h2><b>1. Credit Cards, Interest Rates, and the New Debt Traps</b></h2>
385. <p><a href="https://due.com/credit-card-debt-has-officially-passed-1-trillion/" target="_blank" rel="noopener">Credit card debt </a>was a problem for my parents. Guess what happened to me? Same story. I was thousands in the hole before I graduated, chasing the dopamine rush of swiping plastic.</p>
386. <p>The kicker? If you max out a $500 card and only make minimum payments, it’ll take you seven years to pay it off. What started as a $20 T-shirt turned into a $200 mistake.</p>
387. <p>Today, unfortunately, the traps are even slicker. Rent-to-own offers, “Buy Now, Pay Later” (BNPL) apps, and high-interest microloans make debt seem convenient. But it’s the same old trap in prettier packaging.</p>
388. <p>For example, according to <a href="https://www.lendingtree.com/personal/bnpl-late-survey/" target="_blank" rel="noopener">LendingTree</a>, nearly half of BNPL users (47%) have paid late on one of these loans at some point. This can result in late fees that quickly add up, increasing the total cost of your purchase and hurting your credit score.</p>
389. <p>Here’s the golden rule: <b>if you can’t pay it off in full each month, you can’t afford it.</b> Period.</p>
390. <h2><b>2. Understanding and Building Your Credit Score</b></h2>
391. <p>I once had an intern whose parents believed credit cards were the devil, so he avoided them entirely. The result? No credit history, and a credit score in the low 600s.</p>
392. <p>That’s a significant problem in today’s world. Renting an apartment, getting a car loan, or even landing a job depends on your <a href="https://due.com/credit-scores-101-everything-you-need-to-know/" target="_blank" rel="noopener">credit score</a>.</p>
393. <p>As such, students should be taught how FICO scores are calculated, how to check their credit reports, and how to fix errors. You can begin small by getting a secured credit card, using it responsibly, and paying it on time every month. Then, watch your score climb.</p>
394. <p>At the end of the day, your credit score isn’t a mystery. It’s a mirror of your habits.</p>
395. <h2><b>3. Budgeting Basics: The Roadmap to Wealth</b></h2>
396. <p>The idea of budgeting sounds boring and restrictive — especially when you’re in high school. It’s kind of like financial broccoli. But here’s the truth: you can’t <a href="https://due.com/20-daily-money-habits-that-build-wealth-on-autopilot/" target="_blank" rel="noopener">build wealth</a> without knowing where your money goes.</p>
397. <p>Subscriptions, food delivery, and impulse purchases are some of the ways people leak cash.</p>
398. <p>Learn a straightforward system, such as the 50/30/20 rule. This is where 50% of the budget goes to needs, 30% to wants, and 20% to savings or debt. An alternative is a <a href="https://due.com/terms/zero-based-budgeting-zbb/" target="_blank" rel="noopener">zero-based budget</a>, in which every dollar has a purpose.</p>
399. <p>You shouldn’t think of budgeting as a punishment. It’s more like a permission slip. That’s what lets you say “yes” to the things that really matter.</p>
400. <h2><b>4. Financial Tracking in a Digital World</b></h2>
401. <p>Back in the day, I “balanced” my checkbook by hitting the ATM, withdrawing $20, and seeing what popped up on the receipt. Because of that, I ended up bouncing checks and owing $75 in overdraft fees.</p>
402. <p>Today’s equivalent? Relying on your “available balance” in your banking app instead of tracking your spending. Trust me, those pending charges will destroy you.</p>
403. <p>As such,<a href="https://due.com/make-money-management-fun/" target="_blank" rel="noopener"> money management </a>today means:</p>
404. <ul>
405. <li style="font-weight: 400;">Tracking cash flow with <a href="https://due.com/top-financial-apps-for-budgeting/" target="_blank" rel="noopener">apps </a>like YNAB, Monarch, or even Google Sheets.</li>
406. <li style="font-weight: 400;">Knowing the difference between pending and posted transactions.</li>
407. <li style="font-weight: 400;">Don’t be fooled by overdraft protection. It’s a bank’s profit machine.</li>
408. </ul>
409. <p>Rather than letting your balance take over your life, remember that you are in control of it.</p>
410. <h2><b>5. The Magic of Compounding Interest</b></h2>
411. <p>Even after learning about <a href="https://due.com/hack-for-unlimited-money/" target="_blank" rel="noopener">compound interest</a> in college, I still had trouble grasping it.</p>
412. <p>However, the concept is simple. Your money makes money, and then that money makes more money.</p>
413. <p>If an 18-year-old invests $100 a month and earns an average return of 8% by age 60, it will be worth nearly $400,000. But you’ll end up with about half if you wait until 28.</p>
414. <p>The classic “magical penny” story is true — a single penny doubled in 30 days beats $2 million in one go. That’s the power of getting started early.</p>
415. <h2><b>6. Understanding the Basics of Investing</b></h2>
416. <p>My lack of understanding of compounding led me not to understand investing, either. ETFs, mutual funds, stocks — it was all Greek to me.</p>
417. <p>Upon graduation, every student should understand the difference between:</p>
418. <ul>
419. <li style="font-weight: 400;"><b>A </b><a href="https://due.com/roth-ira-investment-guide-what-to-buy-and-what-to-skip/" target="_blank" rel="noopener"><b>Roth IRA </b></a><b>and a </b><a href="https://due.com/maximizing-your-401k-tips-for-every-stage-of-your-career/" target="_blank" rel="noopener"><b>401(k)</b> </a>— and why that employer match is <i>free money.</i></li>
420. <li style="font-weight: 400;"><b>Active investing</b> (stock picking) vs. <b>passive investing</b> (<a href="https://due.com/choose-between-index-funds-and-etfs/" target="_blank" rel="noopener">index funds</a>).</li>
421. <li style="font-weight: 400;">The steps for opening a brokerage account with companies such as Fidelity, Schwab, or Vanguard, and automating small contributions every month.</li>
422. </ul>
423. <p>Investing isn’t gambling. It’s long-term ownership.</p>
424. <h2><b>7. How to Start a Business (a.k.a. The Entrepreneurship Mindset)</b></h2>
425. <p>This one’s my favorite. In the same way algebra is taught in high schools,<a href="https://due.com/guide-to-teen-entrepreneurship/" target="_blank" rel="noopener"> entrepreneurship </a>should be taught as well.</p>
426. <p>It’s not about the MBA — it’s about mindset and the basics;</p>
427. <ul>
428. <li style="font-weight: 400;"><b>Customer service. </b>Building trust and treating people well.</li>
429. <li style="font-weight: 400;"><b>Marketing.</b> Selling a skill using social media or a simple website.</li>
430. <li style="font-weight: 400;"><b>Integrity.</b> Make a promise, then keep it.</li>
431. </ul>
432. <p>In a gig economy, understanding how to turn an idea into income isn’t optional—it’s essential.</p>
433. <p>Teach kids that they don’t just have to <i>get</i> a job. They can <i>create</i> one.</p>
434. <h2><b>The Ultimate Wealth Hack</b></h2>
435. <p>Because I didn’t have a road map when I was younger, I made every financial mistake in the book.</p>
436. <p>But you don’t have to repeat that story.</p>
437. <p>The ultimate wealth hack has nothing to do with stock tips or <a href="https://due.com/5007-2/" target="_blank" rel="noopener">cryptocurrencies</a>. It’s about mastering these seven money skills before you get your first big paycheck or student loan debt.</p>
438. <p>The combination of knowledge and time is unstoppable. If you learn these now, you’ll have a head start that most adults can only dream of.</p>
439. <p><em><strong>Image Credit:  <span class="Text_text__D8yqX Text_size-inherit__I1W_y Text_size-inherit-mobile__3hyng Text_weight-bold__CBWtB Text_color-greyPlus14A4A4A__TK_Tw spacing_noMargin__F5u9R Text_inline__ixzuE">Ivan Samkov; Pexels</span></strong></em></p>
440. <p>The post <a href="https://due.com/learned-algebra-not-how-to-budget-7-money-skills-i-wish-id-learned-sooner/">Learned Algebra, Not How to Budget — 7 Money Skills I Wish I’d Learned Sooner</a> appeared first on <a href="https://due.com">Due</a>.</p>
441. ]]></content:encoded>
445. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/7-Money-Skills-I-Wish-Id-Learned-Sooner.jpg" width="450" height="300"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
446. <item>
447. <title>Citi Strata Elite Card Announces Enhanced Signup Bonus</title>
448. <link>https://due.com/citi-strata-elite-card-announces-enhanced-signup-bonus/</link>
450. <dc:creator><![CDATA[Brad Anderson]]></dc:creator>
451. <pubDate>Thu, 30 Oct 2025 11:05:25 +0000</pubDate>
452. <category><![CDATA[News]]></category>
453. <guid isPermaLink="false">https://due.com/?p=94430</guid>
454.  
455. <description><![CDATA[<p>Citi launched a limited-time increased signup bonus for its Strata Elite Card. It began on October 7, 2025, and new applicants will have access to an enhanced welcome offer, though specific details about the sign-up bonus have not been disclosed. The promotion represents a strategic move by Citi to attract new cardholders in the fourth quarter […]</p>
456. <p>The post <a href="https://due.com/citi-strata-elite-card-announces-enhanced-signup-bonus/">Citi Strata Elite Card Announces Enhanced Signup Bonus</a> appeared first on <a href="https://due.com">Due</a>.</p>
457. ]]></description>
458. <content:encoded><![CDATA[<p>Citi launched a <a href="https://www.hilton.com/en/hilton-honors/credit-cards/" target="_blank" rel="noopener noreferrer">limited-time increased signup bonus</a> for its Strata Elite Card. It began on October 7, 2025, and new applicants will have access to an <a href="https://www.about.us.hsbc.com/newsroom/press-releases/hsbc-announces-new-benefits-for-premier-and-elite-credit-cards" target="_blank" rel="noopener">enhanced welcome offer</a>, though specific details about the sign-up bonus have not been disclosed.</p>
459. <p>The promotion represents a strategic move by Citi to attract new cardholders in the fourth quarter of 2025, a period when credit card companies typically compete for consumer attention ahead of the holiday shopping season.</p>
460. <h2>Limited-Time Opportunity</h2>
461. <p>The enhanced bonus will not be permanent, according to the announcement. Potential applicants interested in the Strata Elite Card must apply during the promotional window to secure the higher bonus. While Citi has confirmed the start date as October 7, 2025, the end date for this promotion remains unspecified.</p>
462. <p><a href="https://due.com/what-are-the-hidden-dangers-of-minimum-credit-card-payments/" data-wpil-monitor-id="9164">Credit card</a> industry analysts note that limited-time offers create urgency among consumers who might otherwise delay application decisions. This <a href="https://due.com/market-disruption/" data-wpil-monitor-id="9166">marketing approach has proven effective</a> for card issuers seeking to boost new account acquisitions during specific timeframes.</p>
463. <h2>Market Position and Competition</h2>
464. <p>The Citi Strata Elite Card competes in the premium credit card segment, where issuers regularly adjust welcome bonuses and rewards structures to maintain market share. This upcoming bonus increase suggests Citi is making a push to strengthen the card’s position against competitors.</p>
465. <p>Banking expert Maria Chen explains: “Premium card issuers typically enhance signup bonuses when they’re looking to gain market share or when they’ve recently improved their rewards program. This limited-time offer from Citi indicates they’re making a strategic move in the premium card space.”</p>
466. <p>The announcement’s timing gives potential applicants several months to research the card before the promotion begins, which may be part of Citi’s strategy to build anticipation.</p>
467. <h2>What Consumers Should Consider</h2>
468. <p>For consumers interested in the enhanced offer, <a href="https://due.com/your-january-financial-check-up-17-key-questions-for-your-advisor/" data-wpil-monitor-id="9167">financial advisors</a> recommend:</p>
469. <ul>
470. <li>Reviewing the current Strata Elite Card benefits and fee structure</li>
471. <li>Comparing the card against similar premium offerings from other issuers</li>
472. <li>Waiting for the full details of the enhanced bonus before making application decisions</li>
473. <li>Considering <a href="https://due.com/personal-loans-vs-top-up-loans-what-borrowers-need-to-know/" data-wpil-monitor-id="9168">personal</a> spending patterns to determine if the card’s rewards align with individual needs</li>
474. </ul>
475. <p><a href="https://due.com/10-strategies-to-maximize-retirement-travel-with-credit-card-rewards/" data-wpil-monitor-id="9165">Credit card rewards</a> expert James Wilson advises consumers to look beyond the initial bonus: “While an enhanced signup bonus can be attractive, the long-term value of a premium card depends on how well its ongoing benefits match your spending habits and lifestyle needs.</p>
476. <p>As October 2025 draws to a close, Citi is expected to release more specific information about the enhanced bonus structure, including spending requirements and the exact value of the promotion. Consumers interested in premium credit card options may want to monitor these developments before making application decisions.</p>
477. <p>The <a href="https://due.com/the-u-s-banking-industry-wins-key-legal-battle-in-8-credit-card-fee-cap-debate/" data-wpil-monitor-id="9163">credit card industry</a> continues to use limited-time promotions as a key acquisition strategy, with enhanced bonuses serving as a primary tool to attract new customers in an increasingly competitive market.</p>
478. <p>The post <a href="https://due.com/citi-strata-elite-card-announces-enhanced-signup-bonus/">Citi Strata Elite Card Announces Enhanced Signup Bonus</a> appeared first on <a href="https://due.com">Due</a>.</p>
479. ]]></content:encoded>
483. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/Citi-Strata-Elite-Card.webp" width="350" height="197"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
484. <item>
485. <title>The ‘Mini-Retirement’ Mindset: Take Breaks Without Burning It All Down</title>
486. <link>https://due.com/the-mini-retirement-mindset-take-breaks-without-burning-it-all-down/</link>
488. <dc:creator><![CDATA[Deanna Ritchie]]></dc:creator>
489. <pubDate>Wed, 29 Oct 2025 18:00:17 +0000</pubDate>
490. <category><![CDATA[Retirement]]></category>
491. <category><![CDATA[break from work]]></category>
492. <category><![CDATA[mindset]]></category>
493. <category><![CDATA[Mini-Retirement]]></category>
494. <guid isPermaLink="false">https://due.com/?p=93607</guid>
495.  
496. <description><![CDATA[<p>Often, when people think about retirement, they picture decades of work followed by an extended vacation. However, what if meaningful breaks weren’t limited to your 60s and 70s? That’s what mini-retirements are all about: stepping away from work in shorter, deliberate intervals without quitting your job or ruining your finances. Instead of saving up all […]</p>
497. <p>The post <a href="https://due.com/the-mini-retirement-mindset-take-breaks-without-burning-it-all-down/">The ‘Mini-Retirement’ Mindset: Take Breaks Without Burning It All Down</a> appeared first on <a href="https://due.com">Due</a>.</p>
498. ]]></description>
499. <content:encoded><![CDATA[<p>Often, when people think about <a href="https://due.com/dont-just-save-strategize-how-to-build-a-retirement-that-lasts/" target="_blank" rel="noopener">retirement</a>, they picture decades of work followed by an extended vacation. However, what if meaningful breaks weren’t limited to your 60s and 70s? That’s what mini-retirements are all about: stepping away from work in shorter, deliberate intervals without <a href="https://due.com/starting-your-business/" target="_blank" rel="noopener">quitting your job</a> or ruining your finances.</p>
500. <p>Instead of saving up all your adventures for later, mini-retirements allow you to recharge, explore, and refocus while still working. You can think of it as “living retirement in installments” rather than waiting for a single large payout. And, it’s become <a href="https://www.yahoo.com/lifestyle/why-young-people-embracing-mini-083046602.html" target="_blank" rel="noopener">a popular trend among millennials and Gen Z</a>.</p>
501. <p>Here, we’ll explore the mini-retirement mindset —what it is, what planning it entails, and how to make it work.</p>
502. <h2><b>Why the Mini-Retirement Mindset Matters</b></h2>
503. <p>By reframing success as a sustainable <a href="https://due.com/from-burnout-to-balance-how-smart-scheduling-can-save-you-time-stress-and-money/" target="_blank" rel="noopener">balance between work and life</a>, the “mini-retirement” mindset enables intentional periods of rest, reflection, and <a href="https://due.com/26-habits-to-simplify-your-personal-growth-and-save-money/" target="_blank" rel="noopener">personal growth</a> throughout one’s career. As a result, common issues such as burnout and a sense of missed opportunities are addressed.</p>
504. <p>Let’s take a closer look at the key components of the mini-retirement mindset.</p>
505. <h3><b>Prioritizes “memory dividends” now.</b></h3>
506. <p>By taking advantage of life experiences while you are still young and healthy, this mindset encourages front-loading valuable experiences before you turn 65. When you take a “gap year” for <a href="https://due.com/simplifying-your-travel-can-save-you-money/" target="_blank" rel="noopener">travel</a> or to pursue a<a href="https://due.com/triple-your-revenue-through-passion-and-purpose/" target="_blank" rel="noopener"> passion</a>, you create lasting memories and build emotional wealth.</p>
507. <h3><b>Views freedom as a guiding principle, not a distant destination.</b></h3>
508. <p>Instead of quitting the Financial Independence, <a href="https://due.com/fire-movement-financial-independence-retire-early-method-doesnt-work/" target="_blank" rel="noopener">Retire Early (FIRE) movement</a>, this approach focuses on consciously designing a life with intention today. As a result, you’ll move from passive endurance to active alignment with your values.</p>
509. <h3><b>Fights burnout before it derails your career.</b></h3>
510. <p>Younger generations are especially susceptible to burnout as a result of the constant “always on” work culture. With a mini-retirement, you can truly <a href="https://due.com/disconnect-business-holiday-season/" target="_blank" rel="noopener">disconnect</a> and recover, returning to work with new energy and focus.</p>
511. <h3><b>Serves as a “test drive” for life.</b></h3>
512. <p>Taking a mini-retirement can be a valuable way to discover what life might be like without the daily grind. In a low-pressure environment, you can test potential <a href="https://due.com/hobbies-that-can-boost-your-income/" target="_blank" rel="noopener">hobbies</a>, lifestyle changes, and even business ideas.</p>
513. <h3><b>Offers a chance for course correction.</b></h3>
514. <p>A regular, purposeful pause will enable you to reevaluate your career and life path. By gaining perspective, you can decide whether you are escaping from a negative situation or working towards something meaningful.</p>
515. <h3><b>Provides space for meaningful personal and professional growth.</b></h3>
516. <p>You learn new skills, spark creativity, and create new visions when you’re away from your regular job. By learning new skills, starting a <a href="https://due.com/side-business-ideas/" target="_blank" rel="noopener">side business</a>, or <a href="https://due.com/life-after-ai-will-freelancing-and-volunteering-replace-the-40-hour-workweek/" target="_blank" rel="noopener">volunteering</a>, you can develop new career paths.</p>
517. <h2><b>How to Plan a Mini-Retirement Without Burning It All Down</b></h2>
518. <p>Mini-retirements can be defined in many different ways. For some, it may be a three-month sabbatical abroad. Others may take a six-week break from client work to focus on family or a personal project. Regardless, here are some ways you can practice mini-retirement</p>
519. <h3><b>Define your why.</b></h3>
520. <p>Before you start planning your break, ask yourself: “<i>What do I hope to gain from it?” </i>Some possible answers include;</p>
521. <ul>
522. <li style="font-weight: 400;">Your body and mind need rest and recovery.</li>
523. <li style="font-weight: 400;">You want to spend quality time with your family.</li>
524. <li style="font-weight: 400;">It’s time for a trip or an <a href="https://due.com/retirement-and-travel/" target="_blank" rel="noopener">adventure</a>.</li>
525. <li style="font-weight: 400;">You want to pursue creative pursuits.</li>
526. <li style="font-weight: 400;">To <a href="https://due.com/ways-freelancers-can-learn-new-skills-for-free/" target="_blank" rel="noopener">learn a new skill</a>, you need to take time off.</li>
527. </ul>
528. <p>Clarity on your purpose will shape how you plan the details.</p>
529. <h3><b>Decide on the duration.</b></h3>
530. <p>A mini-retirement typically lasts between a month and a year. In most cases, finding the sweet spot is determined by factors such as your financial cushion, your work responsibilities, and your personal goals.</p>
531. <h3><b>Build a financial foundation.</b></h3>
532. <p>To be successful in your mini-retirement, you need to prepare financially. Ideally, you should set aside a savings account for the break and account for the opportunity cost of not contributing to retirement.</p>
533. <p>If you wish to build a strong <a href="https://due.com/personal-finance-foundations/" target="_blank" rel="noopener">financial foundation</a>, consider the following;</p>
534. <ul>
535. <li style="font-weight: 400;"><b>Save in advance.</b> You should treat your mini-retirement like a major purchase. For the time period of re-entry, experts recommend saving 20%.</li>
536. <li style="font-weight: 400;"><b>Cut expenses temporarily.</b> Travel to a low-cost destination, rent out your home, or pause your subscriptions.</li>
537. <li style="font-weight: 400;"><b>Build income streams.</b> Flexibility and cash flow can be achieved through freelance work, digital products, or part-time consulting.</li>
538. </ul>
539. <h3><b>Communicate with work or clients.</b></h3>
540. <p>When discussing a mini-retirement with your employer, be proactive. Describe the benefits of returning from a break, such as new skills and a refreshed outlook, to frame it as a win-win.</p>
541. <p>What if you’re <a href="https://due.com/money-making-mistakes-freelancers/" target="_blank" rel="noopener">self-employed</a>? Despite not having to discuss this with your boss, you must inform your clients as soon as possible. Also, set boundaries and arrange coverage, such as for subcontractors or delayed project schedules.</p>
542. <h3><b>Consider alternatives if needed.</b></h3>
543. <p>Although it may not be feasible to take a full break, you can still adopt the mindset. Consider taking an unpaid sabbatical, taking more time off, or <a href="https://due.com/working-remotely-and-taxes/" target="_blank" rel="noopener">working remotely </a>to create the illusion of mini-retirement.</p>
544. <h3><b>Plan your reentry.</b></h3>
545. <p>This step is often overlooked. However, it’s necessary. Take a moment to think about;</p>
546. <ul>
547. <li style="font-weight: 400;">If your industry changes, how will you update your skills?</li>
548. <li style="font-weight: 400;">Which projects or clients will you focus on first?</li>
549. <li style="font-weight: 400;">What you can do to ease back into a routine while still reaping the benefits of your break.</li>
550. </ul>
551. <h2><b>Debunking the Myths of a Mini-Retirement</b></h2>
552. <p>There are many myths and misunderstandings surrounding the idea of a mini-retirement. Let’s clear the air and find out the truth behind these myths.</p>
553. <h3><b>Myth: A resume gap will ruin your career.</b></h3>
554. <p>The reality is that an intentional career break won’t necessarily harm your long-term career prospects. It’s all about how you frame it. Instead of hiding the time off, emphasize how it shaped your skills and perspective. Think of the gap as a chance for self-reflection, skill-building, or travel.</p>
555. <p>Your renewed perspective, motivation, and energy will make you more attractive to employers when you return to the workplace. It’s even possible to return to a better position after changing jobs if you’re strategic about it.</p>
556. <h3><b>Myth: Mini-retirements are financially irresponsible.</b></h3>
557. <p>The truth? The mini-retirement is a planned and financially disciplined endeavor, not an impulse one. A successful mini-retiree has a separate fund for their break, budgets for <a href="https://due.com/mortgage-rate-report-released-to-guide-homebuyers/" target="_blank" rel="noopener">healthcare expenses</a>, and accounts for the time it may take to find a new job.</p>
558. <p>In addition to your regular income, some financial experts recommend saving an additional 6.5% to fund a mini-retirement without compromising your long-term financial security. You can also reduce your expenses during the break by traveling to a cheaper location or renting out your house.</p>
559. <h3><b>Myth: Only the wealthy can afford a mini-retirement.</b></h3>
560. <p>This couldn’t be further from the truth. Even people earning average salaries can take a mini-retirement through diligent savings and <a href="https://due.com/4-lifestyle-changes-thatll-save-money-mother-earth/" target="_blank" rel="noopener">lifestyle changes</a>. It isn’t about lavish spending that defines a mini-retirement; it’s about taking intentional time off.</p>
561. <p>For some, a temporary reset is more valuable than constant career advancement. Some people use the time for “Barista FIRE” or freelance work to cover their expenses while enjoying a career break.</p>
562. <h3><b>Myth: You have to quit your job to take a mini-retirement.</b></h3>
563. <p>The reality is that you may be able to take an extended break without leaving your employer. Some companies offer formal or informal sabbatical programs. Explain how your return will benefit the organization by bringing fresh skills and perspectives. For those who frequently change employers, a mini-retirement can also be taken strategically between jobs.</p>
564. <h3><b>Myth: A mini-retirement replaces your need for a real retirement.</b></h3>
565. <p>The purpose of a mini-retirement is to provide a short-term income, not to replace your long-term retirement savings. Consider it a “test run” for your future. By exploring hobbies and adjusting to a life without work before you stop working permanently, you’ll be able to work out any problems.</p>
566. <p>By taking this approach, you’re investing in life experiences while you’re still young and healthy, not sacrificing your <a href="https://due.com/smart-money-moves-that-transformed-my-financial-future/" target="_blank" rel="noopener">financial future</a>.</p>
567. <h3><b>Myth: A mini-retirement is just an extended vacation.</b></h3>
568. <p>The reality? A true mini-retirement is intentional and purposeful, unlike a casual, unstructured break. In contrast to a vacation, a mini-retirement allows for a genuine pause for reflection and reorientation.</p>
569. <p>For many mini-retirees, retirement is a chance to start a business, travel extensively, volunteer, or learn a new skill.</p>
570. <h2><b>Practical Tips for a Successful Mini-Retirement</b></h2>
571. <p>Considering a mini-retirement? To get you started, here are some practical tips.</p>
572. <h3><b>Start small.</b></h3>
573. <p>If a three-month break feels impossible, test with a two-week or one-month trial. You’ll gain confidence in your ability to unplug and return.</p>
574. <h3><b>Create a buffer fund.</b></h3>
575. <p>Don’t just save for living expenses — add a buffer for unexpected costs or a slow reentry into the working world.</p>
576. <h3><b>Maintain light connections.</b></h3>
577. <p><a href="https://due.com/healthy-workplace-relationships/" target="_blank" rel="noopener">Maintain professional relationships</a> by checking in or updating them occasionally. As a result, returning won’t mean starting from scratch.</p>
578. <h3><b>Design your days.</b></h3>
579. <p>The purpose of a mini-retirement is not to be aimless. If you want to write every day, hike every morning, or immerse yourself in a culture, create a rhythm around your goals.</p>
580. <h3><b>Document the journey.</b></h3>
581. <p>Whether you’re journaling, blogging, or vlogging, you can preserve memories while reflecting on the experience-and even build credibility for the future.</p>
582. <h2><b>The Psychological Shift: From All-or-Nothing to Iterative Living</b></h2>
583. <p>Mini-retirements aren’t just about taking a break; they’re also about changing your mindset. By integrating joy, exploration, and rest into your career, you avoid delaying them.</p>
584. <p>In this way, you challenge the traditional linear narrative of living: work hard now, reap the benefits later. With a mini-retirement plan, a period of intense work is balanced by an intentional pause.</p>
585. <h2><b>Bringing the Mini-Retirement Mindset Into Daily Life</b></h2>
586. <p>Applying the principle doesn’t always require months off. You should also consider;</p>
587. <ul>
588. <li style="font-weight: 400;"><b>Micro-breaks.</b> A long weekend without technology.</li>
589. <li style="font-weight: 400;"><b>Seasonal pauses. </b>Focusing on personal growth each year during a slower month.</li>
590. <li style="font-weight: 400;"><b>Creative sabbaticals.</b> Dedicating weeks to passion projects.</li>
591. </ul>
592. <p>Overall, think of these as mini-mini-retirements that keep you energized in between larger ones.</p>
593. <h2><b>Conclusion: Life in Installments</b></h2>
594. <p>Whether you retire at 65 or not shouldn’t be viewed as an all-or-nothing event. With a mini-retirement mindset, you can enjoy the benefits of retirement now — rest, exploration, connection — without abandoning your career.</p>
595. <p>If you plan carefully, define your purpose, and see life as a series of cycles rather than a continuous process, you can create a path that is both sustainable and <a href="https://due.com/what-does-it-look-like-to-retire-intentionally-7-steps-to-purposefully-plan-for-a-fulfilling-future/" target="_blank" rel="noopener">fulfilling</a>.</p>
596. <p>Rather than waiting for “someday,” consider this: what if your first mini-retirement could begin sooner than you think?</p>
597. <p><em><strong>Image Credit: Andrei Tanase; <a href="http://pexels.com -andreimike-1271619-350x233">Pexels</a></strong></em></p>
598. <p>The post <a href="https://due.com/the-mini-retirement-mindset-take-breaks-without-burning-it-all-down/">The ‘Mini-Retirement’ Mindset: Take Breaks Without Burning It All Down</a> appeared first on <a href="https://due.com">Due</a>.</p>
599. ]]></content:encoded>
603. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/09/The-%E2%80%98Mini-Retirement-Mindset.jpg" width="350" height="233"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
604. <item>
605. <title>The Triple Threat Investment Strategy Explained</title>
606. <link>https://due.com/the-triple-threat-investment-strategy-explained/</link>
608. <dc:creator><![CDATA[Taylor Sohns MBA, CIMA®, CFP®]]></dc:creator>
609. <pubDate>Wed, 29 Oct 2025 17:02:33 +0000</pubDate>
610. <category><![CDATA[Money Tips]]></category>
611. <category><![CDATA[do it]]></category>
612. <category><![CDATA[strategy]]></category>
613. <category><![CDATA[triple threat]]></category>
614. <guid isPermaLink="false">https://due.com/?p=94424&#038;preview=true&#038;preview_id=94424</guid>
615.  
616. <description><![CDATA[<p>I have spent years studying investments that can withstand rough markets and reduce tax burdens. One strategy I use checks both boxes. It has three aims that set it apart. It seeks equity diversification, downside resilience, and meaningful tax relief. I call it a triple threat because it tries to do all three at once. […]</p>
617. <p>The post <a href="https://due.com/the-triple-threat-investment-strategy-explained/">The Triple Threat Investment Strategy Explained</a> appeared first on <a href="https://due.com">Due</a>.</p>
618. ]]></description>
619. <content:encoded><![CDATA[<p>I have spent years studying investments that can withstand rough markets and reduce tax burdens. One strategy I use checks both boxes. It has three aims that set it apart. It seeks equity diversification, downside resilience, and meaningful tax relief. I call it a <a href="https://due.com/trumps-proposed-tariffs-pose-triple-threat-to-us-economic-stability/" data-wpil-monitor-id="9153">triple threat</a> because it tries to do all three at once.</p>
620. <p>The core idea is simple. You want returns that do not rely on stocks going up. You want <a href="https://due.com/how-to-shield-your-retirement-from-market-meltdowns/" data-wpil-monitor-id="9160">protection during market</a> stress. And you want a built-in tax benefit that shows up each year. As CEO of LifeGoal Wealth Advisors and a CIMA and CFP, I focus on practical, disciplined solutions. This one has earned a large share of my own investable dollars this year.</p>
621. <blockquote><p>“The <a href="https://www.unicef.org/reports/triple-threat-wash-disease-climate" target="_blank" rel="noopener noreferrer">triple threat investment</a>, first, has outperformed the S&P 500 since inception. Second, it’s gone up in value each time the S&P 500 has meaningfully sold off… And three, [it] creates a 30% tax deduction against your ordinary income every year you hold it.”</p></blockquote>
622. <h2>What Makes It a Triple Threat</h2>
623. <p>Three features shape the approach. First, the return target aims to beat the S&P 500 over a full cycle. Second, it has tended to rise during major equity sell-offs. Third, it <a href="https://due.com/retirement-doesnt-mean-broke-generating-income-after-your-career/" data-wpil-monitor-id="9158">generates a recurring deduction against ordinary income</a>. That deduction is meaningful for many households and business owners. It can lower the marginal <a href="https://due.com/trump-tax-bill-spurs-economic-debate-and-change/" data-wpil-monitor-id="9149">tax bill</a> in the current year, not just in the future.</p>
624. <p>The strategy’s record includes periods when stocks fell hard. In 2022, the S&P 500 dropped about 19%. This approach, as I use it, was up about 5% during that period. That is the kind of support I want when volatility spikes and fear takes over. Stocks do not need to rise for the plan to work. That alone changes the math for risk and cash flow.</p>
625. <blockquote><p>“Since inception, it’s returned 26.4% per year between the investment return and the tax benefit.”</p></blockquote>
626. <p>That figure includes both <a href="https://due.com/us-markets-rally-sp-500-posts-biggest-gain-since-may/" data-wpil-monitor-id="9157">market gains</a> and the tax value. The tax reduction can be large. For example, a $1,000,000 allocation can create roughly a $300,000 deduction against ordinary income each year you hold it. That can reduce taxable wages or business income by that amount. The exact benefit varies by tax bracket and individual situation. The value is the combination of market behavior and tax savings.</p>
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641. <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div>
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664. <p> </p>
665. </div>
666. </blockquote>
667. <p><script async="" src="https://www.instagram.com/embed.js"></script></p>
668. </div>
669. </div>
670. <h2>Key Takeaways at a Glance</h2>
671. <ul>
672. <li>Designed to outperform the S&P 500 over time while not relying on <a href="https://due.com/us-stocks-rise-as-trade-and-inflation-hopes-offset-consumer-concerns/" data-wpil-monitor-id="9156">rising stocks</a>.</li>
673. <li>Historically showed strength during sizable equity sell-offs, such as in 2022.</li>
674. <li>Targets an annual 30% ordinary income deduction while the position is held.</li>
675. <li>Combined return since inception cited at 26.4% per year, including tax effects.</li>
676. <li>My own capital allocation reflects confidence in the approach and its role.</li>
677. </ul>
678. <h2>How the Strategy Fits a Portfolio</h2>
679. <p>Diversification is about more than holding many line items. It is about different return drivers. Most portfolios lean on stocks and bonds. When both fall, many investors feel stuck. I want a piece that can rise when stocks fall. I also want a known tax feature. That combination can change how a full plan behaves in stress.</p>
680. <p>In practice, this kind of position can sit beside an index fund or a bond ladder. It does not replace core holdings for most people. It supports them. The goal is a smoother ride and better after-tax results. When stocks surge, it may lag. When stocks tumble, it can shine. That see-saw helps the total portfolio.</p>
681. <p>Cash flow matters. The recurring tax deduction can lower quarterly estimates and year-end bills. That frees cash for saving, debt paydown, or business needs. For high earners, the marginal rate can make the deduction especially useful. The value is not only in April. It is in how you plan the full year.</p>
682. <h2>Understanding the Tax Angle</h2>
683. <p>The 30% ordinary income deduction is the third leg of the stool. It is recurring while the position is held. That is rare. Many tax plays give a one-time benefit. This is different. It stacks each year. The result is a better after-tax yield, even in flat markets.</p>
684. <p>Here is a simple example. Assume a $1,000,000 position and a 35% marginal tax rate. A $300,000 deduction can reduce taxes by about $105,000 in that year. If market return nets out to 5% in a choppy year, the tax value adds a second return source. With both, your total after-tax result can still stack up well. The math varies by bracket and state. Each <a href="https://due.com/crypto-investors-dodge-taxes-through-rupee-margined-futures/" data-wpil-monitor-id="9161">investor should run their own numbers with a tax</a> professional.</p>
685. <p>Important note: deductions are subject to <a href="https://due.com/the-4-rule-limitations-and-alternatives/" data-wpil-monitor-id="9159">rules and limits</a>. Income phaseouts, passive activity rules, at-risk rules, or other IRS limits can adjust them. Always verify how the deduction applies to you. The concept is powerful. But details determine the true result.</p>
686. <h2>Behavior During Market Stress</h2>
687. <p>Market stress is when diversification shows its worth. In 2022, bonds fell with stocks. Many investors felt no shelter. An allocation that rises when stocks fall gives psychological and financial relief. It can reduce the urge to sell at the worst time. It can also free up cash to buy during dips.</p>
688. <p>When planning for drawdowns, I look at how each sleeve behaves when the S&P 500 drops 10%, 20%, or more. A piece that is flat or positive during those windows changes the plan. It does not erase risk. It shifts it to a different driver. That is the point. You accept a different set of risks in exchange for less reliance on one market.</p>
689. <h2>Who Might Consider It</h2>
690. <p>This type of strategy can be helpful for high earners, <a href="https://due.com/questions-small-business-owners-should-ask-before-hiring-a-digital-marketing-agency/" data-wpil-monitor-id="9155">business owners</a>, and investors with large taxable accounts. The ordinary income deduction can be especially helpful for those with high marginal rates. It can also appeal to those who want a hedge against equity sell-offs but do not want to <a href="https://due.com/debunking-market-timing-a-comprehensive-guide/" data-wpil-monitor-id="9151">time markets</a>.</p>
691. <p>It is not one-size-fits-all. Investors with <a href="https://due.com/mortgage-rates-drop-to-march-lows-after-weak-summer-jobs-data/" data-wpil-monitor-id="9162">low current tax rates</a> may value the deduction less. Those with very short time horizons may not fully benefit from the annual tax feature. Liquidity needs also matter. If you need cash in the next year, size the position accordingly.</p>
692. <h2>Measuring Results the Right Way</h2>
693. <p>When evaluating a strategy like this, focus on after-tax returns and the pattern of returns. Before-tax returns tell only part of the story. The deduction changes the final outcome. Track both the market gain and the tax value each year. View them together.</p>
694. <p>Also, examine the role in your total portfolio. Does it lower volatility? Does it improve drawdown behavior? Does it help you stay invested during stress? Those answers matter as much as a headline return number.</p>
695. <h2>Risk, Costs, and Due Diligence</h2>
696. <p>Every investment has risk. This approach trades <a href="https://due.com/digital-product-creation-vs-affiliate-marketing-risk-management-insights/" data-wpil-monitor-id="9154">market risk</a> for different risks. There may be strategy risk, liquidity risk, <a href="https://due.com/strategic-retirement-planning-using-options-to-manage-risk/" data-wpil-monitor-id="9152">manager risk</a>, or tax rule risk. Costs also matter. Understand fees, expenses, and any embedded costs. Net results are what count.</p>
697. <p>Before allocating, I review several items. I look at the audited performance and how returns were calculated. I examine the pattern of returns during past drawdowns. I review the tax opinion and the supporting documentation for deductions. I ask about liquidity, lockups, gates, and redemption timelines. I study counterparty exposure and collateral rules if derivatives are involved. I compare costs to peers.</p>
698. <p>Documentation needs to be clear and complete. I want to see how the strategy trades, hedges, and manages tail events. I also want to understand how the tax benefit works in practice, including any K-1 timing, state treatment, and potential recapture. Alignment matters. I commit my own capital when I believe the design and controls are sound.</p>
699. <h2>Scenario Planning and Position Sizing</h2>
700. <p>Position sizing should reflect your goals, tax bracket, and liquidity needs. A common approach is to size it as part of an alternatives sleeve. That can sit at 10% to 30% of a portfolio for some investors, depending on risk tolerance. Others may choose a smaller tilt. There is no single right answer.</p>
701. <p>Build a base case, an upside case, and a drawdown case. Include taxes in each case. Test how the plan holds up if stocks rally, drift, or fall. Make sure you are comfortable with the path of returns, not just the endpoint.</p>
702. <h2>What I Look For Before I Invest</h2>
703. <p>Several standards guide my work. I want clear evidence of diversification from equity beta. I want a track record across different regimes. I expect a credible tax framework that has professional support. I want transparency on fees and liquidity. And I value managers with strong risk controls and clear reporting.</p>
704. <p>I also focus on how the strategy behaves around turning points. Strong performance in 2022 is helpful. How did it act during 2020’s sharp sell-off? What about the late 2018 drop? Performance in these windows builds trust. It shows whether the design performs as claimed under real stress.</p>
705. <h2>Practical Steps to Get Started</h2>
706. <p>Before you move, set your goal and constraints. Clarify why you want the allocation. Confirm your tax situation and your time horizon. Decide how much liquidity you require. Then gather documents, read them closely, and ask pointed questions. If you work with an advisor, involve them early. If you manage your own plan, stay disciplined and methodical.</p>
707. <p>Document your reasons for the investment. Write down how you will measure success. Set a review schedule. Track both the market return and the tax benefit. Expect periods of underperformance amid periods of stock market soaring. That is the trade you make for support during sell-offs. Stick to the plan you set in calm moments.</p>
708. <h2>Final Thoughts</h2>
709. <p>A strategy that aims to beat stocks over time, hold up in sell-offs, and cut your <a href="https://due.com/direct-lending-returns-face-high-ordinary-income-tax-rate/" data-wpil-monitor-id="9150">ordinary income taxes</a> is rare. That is why this triple threat has my attention and my capital. It seeks to solve three problems at once. It can change the shape of returns, not just the size.</p>
710. <p>No single solution fits every investor. Your tax rate, goals, and risk limits drive the decision. If the features align with your needs, do the work. Review the data. Verify the tax support. Size it properly. Then let the plan work. The goal is a smoother ride and better after-tax results without relying on constant stock gains.</p>
711. <p>The post <a href="https://due.com/the-triple-threat-investment-strategy-explained/">The Triple Threat Investment Strategy Explained</a> appeared first on <a href="https://due.com">Due</a>.</p>
712. ]]></content:encoded>
716. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/c6a93c47-8e66-45ac-b411-5833f455e46a_1761753142-1024x576.webp" width="800" height="450"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
717. <item>
718. <title>Mortgage refinance rates report released</title>
719. <link>https://due.com/mortgage-refinance-rates-report-released/</link>
721. <dc:creator><![CDATA[Brad Anderson]]></dc:creator>
722. <pubDate>Wed, 29 Oct 2025 15:52:28 +0000</pubDate>
723. <category><![CDATA[News]]></category>
724. <guid isPermaLink="false">https://due.com/?p=94400</guid>
725.  
726. <description><![CDATA[<p>The latest report on average refinancing rates for various home loan types was published, providing homeowners with updated information on current market conditions. The report offers a snapshot of interest rates across different mortgage categories, helping consumers make informed decisions about potential refinancing opportunities. The data comes as mortgage rates continue to fluctuate in response […]</p>
727. <p>The post <a href="https://due.com/mortgage-refinance-rates-report-released/">Mortgage refinance rates report released</a> appeared first on <a href="https://due.com">Due</a>.</p>
728. ]]></description>
729. <content:encoded><![CDATA[<p>The latest report on <a href="https://www.bankrate.com/mortgages/refinance-rates/" target="_blank" rel="noopener noreferrer">average refinancing rates</a> for various home loan types was published, providing homeowners with updated information on current market conditions. The report offers a snapshot of interest rates across different mortgage categories, helping consumers make informed decisions about potential refinancing opportunities.</p>
730. <p>The data comes as mortgage rates continue to fluctuate in response to broader economic factors, including Federal Reserve policies, inflation metrics, and overall market sentiment. Homeowners considering refinancing their existing mortgages can use this information to evaluate potential savings and determine whether now is an appropriate time to refinance.</p>
731. <h2>Breaking Down the Rate Environment</h2>
732. <p>The report details refinancing rates <span style="box-sizing: border-box; margin: 0px; padding: 0px;">for several common mortgage types, including <a href="https://www.freddiemac.com/pmms" target="_blank" rel="noopener">30-year fixed-rate mortgages</a>, 15-year fixed-rate mortgages, and adjustable-rate mortgages (ARMs)</span>. These figures represent national averages, though actual <a href="https://due.com/top-savings-account-interest-rates-available-nationwide/" data-wpil-monitor-id="9143">rates available</a> to individual borrowers may vary based on credit score, loan-to-value ratio, and other factors.</p>
733. <p>Financial analysts note that understanding the differences between these loan types remains crucial for homeowners weighing refinancing options. While 30-year fixed-rate mortgages typically offer lower monthly payments, 15-year loans often provide substantial interest savings over the life of the loan. ARMs may <a href="https://due.com/stubhub-looks-ahead-to-the-summer-for-initial-public-offering/" data-wpil-monitor-id="9144">offer initially</a> lower rates but carry the risk of future rate adjustments.</p>
734. <h2>Market Context and Borrower Implications</h2>
735. <p>The refinancing landscape exists within a complex housing market that has seen significant changes over the past several years. After record-low interest rates in 2020-2021 triggered a refinancing boom, subsequent rate increases have dramatically reduced the pool of homeowners eligible for refinancing.</p>
736. <p>Housing economist Michael Chen explains: “Today’s refinance market is much more selective. Homeowners need to carefully analyze their specific situation rather than simply assuming refinancing will <a href="https://due.com/retirement-health/" data-wpil-monitor-id="9145">save them money.”</a></p>
737. <p>Key considerations for potential refinancers include:</p>
738. <ul>
739. <li>The size of the rate difference between current and new loans</li>
740. <li>How long the homeowner <a href="https://due.com/building-a-social-network-after-retirement-staying-connected-and-thriving/" data-wpil-monitor-id="9148">plans to stay</a> in the property</li>
741. <li>Closing costs associated with refinancing</li>
742. <li>Whether cash-out options align with financial goals</li>
743. </ul>
744. <h2>Regional Variations and Lender Differences</h2>
745. <p>While the report provides national averages, mortgage professionals emphasize that rates can vary significantly by region and lender. Borrowers in competitive markets may find more favorable terms as lenders vie for business, while those in less active <a href="https://due.com/trumps-tariff-delay-triggers-market-surge-as-china-faces-higher-rates/" data-wpil-monitor-id="9142">markets might face higher rates</a>.</p>
746. <p>“Shopping around remains one of the most effective strategies for finding the best refinance rate,” says mortgage broker Sarah Johnson. “We regularly see rate differences of a quarter to half a percentage point between lenders for the same borrower profile.”</p>
747. <p>The report also tracks how different loan characteristics affect refinancing rates. Factors such as loan amount, property type, and down payment percentage can all <a href="https://due.com/decoding-factors-influencing-mortgage-rates/" data-wpil-monitor-id="9147">influence the final rate</a> offered to borrowers.</p>
748. <p>As the housing market continues to adjust to changing economic conditions, these regular rate reports provide valuable data points for homeowners considering their financial options. Financial advisors recommend that homeowners review such <a href="https://due.com/mortgage-report-helps-homebuyers-compare-loan-options/" data-wpil-monitor-id="9146">reports as part of a broader assessment of their mortgage</a> situation and long-term housing plans.</p>
749. <p>The post <a href="https://due.com/mortgage-refinance-rates-report-released/">Mortgage refinance rates report released</a> appeared first on <a href="https://due.com">Due</a>.</p>
750. ]]></content:encoded>
754. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/mortgage_refinance_rates_report_thursday_1761666621-1024x576.webp" width="800" height="450"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
755. <item>
756. <title>Automaker production slows due to semiconductor shortage</title>
757. <link>https://due.com/automaker-production-slows-due-to-semiconductor-shortage/</link>
759. <dc:creator><![CDATA[Matt Rowe]]></dc:creator>
760. <pubDate>Wed, 29 Oct 2025 15:00:28 +0000</pubDate>
761. <category><![CDATA[News]]></category>
762. <guid isPermaLink="false">https://due.com/?p=94418</guid>
763.  
764. <description><![CDATA[<p>As a semiconductor shortage of basic microchips disrupts production, beginning this week at Honda’s North American plants and potentially spreading globally, automakers worldwide are becoming more and more concerned. After Nexperia, a chipmaker based in the Netherlands, suspended exports from China earlier this month, the global auto industry is in a panic. People familiar with […]</p>
765. <p>The post <a href="https://due.com/automaker-production-slows-due-to-semiconductor-shortage/">Automaker production slows due to semiconductor shortage</a> appeared first on <a href="https://due.com">Due</a>.</p>
766. ]]></description>
767. <content:encoded><![CDATA[<p>As a semiconductor shortage of basic microchips disrupts production, beginning this week at Honda’s North American plants and potentially spreading globally, automakers worldwide are becoming more and more concerned.</p>
768. <p>After Nexperia, a chipmaker based in the Netherlands, suspended exports from China earlier this month, the global auto industry is in a panic. People familiar with the situation said the export freeze—caused by a geopolitical dispute involving the Dutch, <a href="https://due.com/why-trumps-china-tariff-plan-faces-defeat/">Chinese</a>, and American governments—has left automakers and suppliers running low on chips that could run out within days.</p>
769. <h3>Automaker production slows due to semiconductor shortage</h3>
770. <p>Although Nexperia does not manufacture sophisticated semiconductors, it does hold a sizable portion of the market for basic chips used in automobile parts like speedometers, climate controls, and lock systems. Analysts and executives caution that if shipments don’t start up again soon, it will be hard to find alternatives due to this widespread use. “These are not very strategic components, but there are hundreds of them, small microprocessors in the lock systems, climate control, speedometers or whatever,” said Volvo Chief Executive <a href="https://www.linkedin.com/in/h%C3%A5kan-samuelsson-853aaa7a/?originalSubdomain=se">Håkan Samuelsson</a>.</p>
771. <p>Honda halved production on Monday at its assembly plant in Alliston, Ontario, where employees construct CR-V SUVs and Civic sedans. According to Vito Beato, president of Unifor Local 1285, which represents a supplier to the plant, the slowdown will last until Wednesday. Beato stated in a Facebook video that the plant will shut down for a week beginning Thursday and then reopen late next week at half capacity. A Honda spokesman said the automaker is “managing an industrywide semiconductor supply chain issue” and making strategic adjustments to conserve parts</p>
772. <p>This week, Honda started temporarily suspending production at all of its “mass production” facilities in North America.</p>
773. <h3>Clash between Trump and China</h3>
774. <p>When <a href="https://due.com/trump-and-powell-clash-over-inflation-strategy/">President Trump</a> traveled to Asia to meet with Chinese leader Xi Jinping, the crisis broke out. According to a Dutch court document, U.S. officials warned that they would place Nexperia on a trade blacklist for national security threats unless the company replaced its Chinese CEO.</p>
775. <p>Citing proof that the CEO was moving resources and intellectual property to China, the Dutch government took over the business. The decision “wasn’t based on pressure from another country,” according to Dutch Economy Minister Vincent Karremans, but rather on national security considerations. The CEO of Nexperia was suspended by a Dutch court, and the majority of the company’s shares were transferred to outside management.</p>
776. <p><em><strong>Featured Image Credit: ThisIsEngineering; Pexels: Thank you!</strong></em></p>
777. <p>The post <a href="https://due.com/automaker-production-slows-due-to-semiconductor-shortage/">Automaker production slows due to semiconductor shortage</a> appeared first on <a href="https://due.com">Due</a>.</p>
778. ]]></content:encoded>
782. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/Automaker-production-slows-due-to-semiconductor-shortage-1024x683.jpg" width="800" height="534"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
783. <item>
784. <title>8 Smart Ways to Beat Inflation This Year</title>
785. <link>https://due.com/smart-ways-to-beat-inflation-this-year/</link>
787. <dc:creator><![CDATA[John Boitnott]]></dc:creator>
788. <pubDate>Wed, 29 Oct 2025 14:03:58 +0000</pubDate>
789. <category><![CDATA[News]]></category>
790. <category><![CDATA[Personal Finance]]></category>
791. <category><![CDATA[inflation]]></category>
792. <category><![CDATA[personal finance]]></category>
793. <guid isPermaLink="false">https://due.com/?p=94387</guid>
794.  
795. <description><![CDATA[<p>Inflation feels as intimidating as ever in American life. Prices keep rising, squeezing household budgets in the U.S. According to the Bureau of Labor Statistics, consumer prices rose 2.9% in the 12 months leading up to August 2025.  From health insurance to grocery prices, many people feel like their money just doesn’t stretch as far […]</p>
796. <p>The post <a href="https://due.com/smart-ways-to-beat-inflation-this-year/">8 Smart Ways to Beat Inflation This Year</a> appeared first on <a href="https://due.com">Due</a>.</p>
797. ]]></description>
798. <content:encoded><![CDATA[<p>Inflation feels as intimidating as ever in American life. Prices keep rising, squeezing household budgets in the U.S. According to the <a href="https://www.bls.gov/opub/ted/2025/consumer-prices-up-2-9-percent-from-august-2024-to-august-2025.htm?utm_source=chatgpt.com">Bureau of Labor Statistics</a>, consumer prices rose 2.9% in the 12 months leading up to August 2025.  From health insurance to grocery prices, many people feel like their money just doesn’t stretch as far as it used to. But even though your purchasing power is being eroded steadily, you can still take small, practical steps that will protect your money. Here are eight ways to beat <a href="https://due.com/trump-and-powell-clash-over-inflation-strategy/">inflation</a> this year and keep your finances on solid ground.</p>
799. <h2>1. Track where prices hit hardest</h2>
800. <p>It’s important to track the prices of all your expenses no matter what inflation looks like. When you know where your money goes, you can manage your finances better and prevent emotions from affecting your buying decisions. Ask yourself:</p>
801. <ul>
802. <li>What unnecessary items are you buying?</li>
803. <li>What costs are putting the most financial pressure?</li>
804. </ul>
805. <p>Get answers to these questions as you evaluate your expenses. Whether it’s utilities, groceries, or the coffee you treat yourself to every day, tracking every detail helps you remain aware of your spending. Every penny adds up, so identify problem areas that quietly increase your expenses.</p>
806. <p>Check your receipts and bank statements, and note the items that are making your monthly expenses higher than they should be. Note the impulse buys and subscriptions. Do you <a href="https://due.com/retirement-savings-how-much-do-you-really-need-in-each-state-in-the-u-s/" data-wpil-monitor-id="9136">really need</a> them? Do you need to buy the brand name version? Is there a generic version?</p>
807. <p>Here are four ideas to make wise shopping choices:</p>
808. <ul>
809. <li>Don’t get a shopping cart if you’re just at the store for only one or two items. It prevents you from subconsciously filling it with unnecessary things.</li>
810. <li>Try to avoid adding items you don’t need. Create a shopping list and stick to it to resist the urge to buy more.</li>
811. <li>Plan meals with cheaper ingredients. Also try meal-prepping to <a href="https://due.com/fed-rate-cut-set-to-lower-small-business-borrowing-costs/" data-wpil-monitor-id="9138">cut costs</a>.</li>
812. <li>Seek alternative brands with lower prices to <a href="https://due.com/84-satisfying-ways-to-save-money-you-wouldnt-expect-to-save-this-much-in-one-week/" data-wpil-monitor-id="9133">save money</a> on groceries and essentials.</li>
813. <li>Look for BOGO deals and shop near the end of the day for additional discounts.</li>
814. </ul>
815. <h2>2. Use higher savings rates</h2>
816. <p>We all know how money can lose its value during inflation. What cost $5 in the past could cost you $10 as prices rise.</p>
817. <p>This is why you should look for a higher savings rate when inflation rises so your savings can grow faster than prices. Here’s what needs to be done to beat inflation with a higher savings rate:</p>
818. <ul>
819. <li>Consider opening a <a href="https://due.com/hidden-bank-fees-that-are-draining-your-account-and-how-to-avoid-them/" data-wpil-monitor-id="9134">bank account</a> that offers strong returns to protect the value of your money.</li>
820. <li>Consider investing in Certificates of Deposit (CDs) that offer fixed interest rates. With this option, you need to deposit your money for a fixed period, and you receive a guaranteed return at the end of that term. Look for CDs that offer high interest rates.</li>
821. <li>Invest in Treasury Bills (T-bills), which are short-term government bonds. Unlike CDs, you can convert T-bills into cash at any time without missing out on competitive returns.</li>
822. </ul>
823. <h2>3. Pay down high-interest debt</h2>
824. <p>It’s always wise to pay off your credit cards and variable-rate loans to save during inflation. As prices increase over time, such <a href="https://due.com/job-market-frustration-and-debt-worries-rise-among-workers-2/">debt becomes more costly</a>. The more time passes, the more interest you need to pay.</p>
825. <p>Pay off your credit card bills monthly to stop debt from piling up. You can also opt for fixed-rate loans, where the interest rate does not change over time.</p>
826. <p>Consider debt consolidation to manage your loan payments better. Consolidation lets you combine debts into one account, secure a lower interest rate, and make repayment easier.</p>
827. <h2>4. Invest in inflation-resistant assets</h2>
828. <p>Certain assets can help you get high returns without losing money during inflation. It’s best to diversify your portfolio with a mix of inflation-resistant assets like these:</p>
829. <p>Dividend Stocks: These <a href="https://due.com/top-ways-to-get-free-stocks/">stocks</a> let you earn profits without selling shares. Dividend stocks are shares from companies that also distribute profits to shareholders. Companies tend to pay higher dividends during periods of inflation.</p>
830. <p>TIPS: Treasury Inflation-Protected Securities (TIPS) are U.S. Treasury-backed investments that are inflation-resistant and potentially safer. The amount you initially invest (principal value) in <a href="https://due.com/market-volatility-response-defensive-positioning-and-tips-investment-strategy/">TIPS</a> increases with inflation. Interest rates are also calculated based on the increased principal amount. During inflation, investors can enjoy a higher principal amount and interest.</p>
831. <p>REITs: Real Estate Investment Trusts (REITs) are companies that own and operate income-generating real estate, such as apartment complexes and warehouses. Typically, during price hikes, the real estate industry booms, generating a higher income, which is why investing in REITs is often a good option to beat inflation. REIT investments are helpful for small investors who want to preserve the value of their money without facing the hassles of property management.</p>
832. <p>Real Assets: Invest in tangible assets such as gold, real estate, and commodities to preserve your money’s value. Commodities include grains, metals, energy, and currency. <a href="https://due.com/gold-prices-signal-inflation-protection-potential-2/">Gold</a>, a physical asset, retains its value during periods of inflation, unlike many traditional currencies.</p>
833. <h2>5. Automate savings/investing</h2>
834. <p>If you’re waiting for your salary to come and manually saving up a portion of it, it could tempt you to spend more than you save. Consider automating your transfers. You might create an automatic savings plan to transfer a specific amount each month from your main account to a separate savings or investment account. Here are the best practices to automate your savings:</p>
835. <ul>
836. <li>Make sure you have a clear goal ahead. <a href="https://due.com/how-to-decide-whether-to-keep-rent-or-sell-your-inherited-property/" data-wpil-monitor-id="9137">Decide whether</a> you want to save for a home, a vacation, or something else.</li>
837. <li>It’s crucial to think rationally when deciding how much money to save. Make sure to review your income and expenses carefully.</li>
838. <li>Transfer your <a href="https://due.com/how-to-maximize-your-savings-rate-in-todays-economy/">savings</a> to a separate account to avoid spending them.</li>
839. <li>Many banks provide services that let you set up recurring transfers. Such options help you automatically transfer money into your savings or investment accounts.</li>
840. <li>If you schedule the money to be transferred as soon as you receive your salary, you don’t get the chance to spend it carelessly.</li>
841. <li>Review your earnings, expenses, and progress each month. Adjust your savings amount as needed to align with your goals and financial circumstances.</li>
842. </ul>
843. <h2>6. Cut stealth inflation</h2>
844. <p>Some costs seem so minor that you might not even notice them, but they add up over time with inflation. Have you checked how much you’ve spent on delivery fees over a year? The amount could be surprisingly high. Some <a href="https://due.com/the-hidden-cost-of-convenience-credit-card-processing-fees-and-their-impact-on-consumers/" data-wpil-monitor-id="9139">costs stay hidden</a>, like subscription fees and energy bills.</p>
845. <p>Here’s how you can cut down these hidden costs to beat inflation:</p>
846. <ul>
847. <li>Review your weekly and monthly expenses to find out the services and products you don’t actually need. For example, music streaming or a monthly beauty box subscription service.</li>
848. <li>If you’re eating out regularly, consider packing a lunch from home for school or work.</li>
849. <li>While shopping for groceries, look for store brands or more affordable versions of the same products you wish to buy to <a href="https://due.com/save-money/">save money</a>. Frozen foods are often less expensive and easier to store than fresh fruits, vegetables, and meats, making them an excellent option for saving money.</li>
850. <li>A few simple steps could significantly reduce your home’s energy consumption. Simply fixing dripping faucets, replacing old appliances with energy-saving alternatives, taking shorter showers, and fixing faulty doors and windows could save you hundreds of dollars per month on your bills.</li>
851. </ul>
852. <h2>7. Protect your health to protect wealth</h2>
853. <p>Inflation can impact all areas of your life, but it could make medical costs impossible to bear. Protecting your health now is not only about well-being; it is also about <a href="https://due.com/unlocking-your-social-security-wealth-a-guide-to-maximizing-your-benefits/" data-wpil-monitor-id="9141">securing your wealth</a>. When you’re unwell, you don’t have time to worry about costs. Your health is your number one priority. The best possible route is to stay prepared.</p>
854. <ol>
855. <li>Consider leveraging Health Savings Accounts (HSAs), which allow one to save for medical expenses in advance. The best part is that you don’t need to pay taxes on this money. Contributing to an HSA lets you reduce your taxable income and save enough for out-of-pocket medical costs.</li>
856. <li>Try to prevent health issues rather than just save money for health expenses. Spending a few hundred dollars for screenings, check-ups, vaccinations, and healthy habits could save you thousands.</li>
857. <li>Consider using co-pay cards or rebates to <a href="https://due.com/stretching-a-dollar-retiree-friendly-countries-with-lower-cost-of-living/" data-wpil-monitor-id="9140">lower your medication costs</a>. Sometimes, these options can cover your immediate expenses entirely. However, such options aren’t available for Medicare or Medicaid. Check with your pharmacy or the drug manufacturer’s website for <a href="https://due.com/top-cd-rates-reach-4-50-with-multiple-term-options-available/" data-wpil-monitor-id="9135">available options</a>.</li>
858. <li>Paying in cash instead of using an insurance card is often way cheaper than you think. Paying out of pocket for minor medical expenses, such as blood tests, can help you save a significant amount. Check the amount you need to pay in cash vs. what you pay through insurance to see which is more cost-effective.</li>
859. <li>Know exactly what your insurance plan covers, including its deductible and co-pays, before paying out a major medical expense. If your insurance plan doesn’t seem beneficial, don’t hesitate to switch over to something more affordable.</li>
860. </ol>
861. <h2>8. Revisit the plan yearly</h2>
862. <p>Even your perfect plan needs a revisit at least once a year to keep <a href="https://due.com/wage-growth-outpaces-inflation-but-economic-challenges-remain/">beating inflation</a> without fail. See if you’re making progress or your plan needs adjustments. Make sure you carefully examine your goals, budget, and investments.</p>
863. <p>Priorities can change. You may have been saving up for a down payment last year, but now you might want to save for a vacation. This is why updating your goals and adjusting your plan accordingly should take priority.</p>
864. <ul>
865. <li>Do a budget review once a year and look for unnecessary expenses to save money. For example, you might have unknowingly increased your overall expenses after a salary increase. But a careful review of your income and spending could help you spot such a thing and spend more wisely.</li>
866. <li>Find out how much risk you’re willing to take, and adjust your investments accordingly. People often wish to take more/fewer risks based on their circumstances and goals.</li>
867. <li>Life events can change your goals. For example, after having children or buying a new house, your priorities may shift significantly. Adjust your plan to beat inflation and align with your new priorities.</li>
868. </ul>
869. <h2>Beat Inflation with Resilient Finances</h2>
870. <p>Inflation shouldn’t scare you; it just means you need to be smarter with your spending. The world has faced periods of severe inflation and financial hardship before and overcome them. You can too. Create a plan to cope with an inflationary economy rather than panicking unnecessarily.</p>
871. <p>An inflation-combating plan becomes successful with steady action and adaptation. Take small steps before big ones to make good habits. Keeping track of your expenses and income should give you a good head start in beating inflation.</p>
872. <p>Once you know what’s keeping you down, you can start preparing your list of strategies and begin implementing them. The eight strategies covered above will lower your financial struggles during inflation, and they will also help you strengthen your future with healthy spending and saving habits.</p>
873. <p><em>Photo by ArtHouse Studio on Pexels</em></p>
874. <p>The post <a href="https://due.com/smart-ways-to-beat-inflation-this-year/">8 Smart Ways to Beat Inflation This Year</a> appeared first on <a href="https://due.com">Due</a>.</p>
875. ]]></content:encoded>
879. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/Ways-to-Beat-Inflation-This-Year.jpg" width="200" height="300"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
880. <item>
881. <title>The Smartest Ways to Pay for a Major Home Renovation</title>
882. <link>https://due.com/the-smartest-ways-to-pay-for-a-major-home-renovation/</link>
884. <dc:creator><![CDATA[Devin Partida]]></dc:creator>
885. <pubDate>Wed, 29 Oct 2025 11:05:38 +0000</pubDate>
886. <category><![CDATA[Finance]]></category>
887. <category><![CDATA[Money Tips]]></category>
888. <category><![CDATA[Personal Finance]]></category>
889. <guid isPermaLink="false">https://due.com/?p=93544</guid>
890.  
891. <description><![CDATA[<p>Residential home improvement projects continue rising in the United States, even as labor and material costs increase. Homeowners with financial finesse often seek cost-effective, flexible ways to cover their home renovation projects. Exploring financial options when pursuing renovations can help you reduce expenses and maximize your investment. Of course, each payment plan has several benefits […]</p>
892. <p>The post <a href="https://due.com/the-smartest-ways-to-pay-for-a-major-home-renovation/">The Smartest Ways to Pay for a Major Home Renovation</a> appeared first on <a href="https://due.com">Due</a>.</p>
893. ]]></description>
894. <content:encoded><![CDATA[<p>Residential <a href="https://due.com/how-to-retire-without-getting-bored-15-things-to-do-after-you-clock-out-for-good/">home improvement projects</a> continue rising in the United States, even as labor and material costs increase. Homeowners with financial finesse often seek cost-effective, flexible ways to cover their home renovation projects.</p>
895. <p>Exploring <a href="https://due.com/mortgage-rate-decline-spurs-refinancing-and-adjustable-rate-loan-demand/">financial options</a> when pursuing renovations can help you reduce expenses and maximize your investment. Of course, each payment plan has several benefits and risks you must consider. From loans to personal savings and federal programs, choosing the best method can save you thousands of dollars in interest and fees.</p>
896. <h2>Assessing Your Financial Situation Before You Renovate</h2>
897. <p>According to Angi’s 2024 State of Home Spending Report, baby boomers invested about <a href="https://www.angi.com/press/2024-state-of-home-spending-report">$14,140 in home upgrades</a>, while millennials spent $2,316 in essential maintenance. Trends for 2025 suggest that 22% of homeowners intend to paint their home, while 13% plan to update bathrooms with groutless showers, new fixtures, and floating vanities.</p>
898. <p>You might have a long checklist of renovations you would like to make, but you should <a href="https://due.com/the-ultimate-10-year-countdown-to-retirement-your-golden-runway-to-freedom/">evaluate your budget</a> and savings first. Spending more than you have could create debt. Depending on your financial situation, you may or may not have a positive credit score with borrowing power.</p>
899. <p>People ages 40 to 49 <a href="https://www.debt.org/faqs/americans-in-debt/demographics/" target="_blank" rel="noopener">have an average debt of $111,148</a> — the highest among all age groups. For this reason, you should select the most pressing and economical projects you can afford.</p>
900. <h2>Paying with Cash — Pros, Cons, and When It Makes Sense</h2>
901. <p>Although paying for your renovation in cash will require you to save for some time, you can avoid the hassle of loan approvals, credit card debt, and interest charges. It will also make you more cautious of your spending when you have a fixed amount to work with.</p>
902. <p>If you have set aside ample funds, paying in cash lets you start the project immediately rather than waiting for time-consuming financing. Some contractors offer a discount to cash payers because it eliminates credit card processing fees and the wait time to access reserves.</p>
903. <p>Cash payments make the most sense for minor renovations and emergency repairs. They are also preferable if you are determined to avoid debt. This approach may not be as feasible for large-scale construction, especially if you need to tap your emergency fund. About <a href="https://due.com/40-smart-ways-to-build-an-emergency-fund/">30% of people have emergency funds</a> covering three months, when experts recommend enough money for six months.</p>
904. <h2>Home Equity Loans and HELOCs — Leveraging Your Home’s Value</h2>
905. <p>Home equity loans and home equity lines of credit (HELOCs) are popular options for financing a major home renovation project. Your choice greatly depends on interest rates, your need for flexibility, and how you intend to use the funds.</p>
906. <p>With a secured <a href="https://due.com/the-hidden-costs-of-retirement-no-one-talks-about-how-to-prepare-for-the-unexpected/">home equity loan</a>, borrowers <a href="https://due.com/terms/home-equity-loan/">use their home as collateral</a> — if they can’t repay it, the lender can sell the home to recover the loan. You can use this secured loan for home improvements and other purposes, and it may help you save through tax-deductible interest. The risk is that you can go into foreclosure. You also receive the money in a lump sum and must begin repayments immediately over a set term at a fixed rate.</p>
907. <p>HELOCs work differently by leveraging your home equity — the <a href="https://assurancemortgage.com/what-is-a-home-equity-line-of-credit/">difference between your home’s market value</a> and mortgage balance. For instance, a $200,000 home with a mortgage balance of $150,000 would come to a home equity of $50,000.</p>
908. <p>A HELOC will be a second mortgage if you are still repaying your first mortgage. Although you can borrow money up to a specific credit line as needed, you may be subject to higher monthly payments if interest rates increase. You could also risk losing your home equity if the housing market drops, and your home may be used as collateral if you cannot repay the loan on time.</p>
909. <h2>Personal Loans — Fast Funding with Fixed Terms</h2>
910. <p>Unlike a home equity loan, personal loans <a href="https://www.bankrate.com/loans/personal-loans/pros-and-cons-of-home-improvement-loans/">do not require you to use</a> your home as collateral. Fixed monthly payments also make it easier to plan your budget. However, this approach has caveats, including higher interest rates, smaller loan amounts, and shorter repayment terms.</p>
911. <p>Consider a personal loan for emergency repairs or short-term projects. Lenders typically limit amounts to $50,000, while those with excellent credit might be able to take out $100,000. If you think your project will exceed that amount, look at other options. Likewise, those with poor credit or debt may face high interest rates and unfavorable repayment terms.</p>
912. <p>Home improvements account for <a href="https://due.com/boosting-your-odds-of-loan-approval/">7.5% of personal loans</a>, but you must get the loan approved first. Boosting your income, improving your credit score, and lowering your debt-to-income ratio will increase your odds. Prequalifying for a personal loan will also demonstrate to a lender that you are a serious borrower.</p>
913. <h2>Credit Cards — When and When Not to Use Them</h2>
914. <p>Credit cards may be most suitable for smaller renovation expenses, well-planned projects, and emergency repairs. However, you can end up in financial jeopardy if you use them for significant, long-term residential improvements. Look for 0% APR credit cards for large purchases, <a href="https://due.com/credit-cards-can-simplify-your-financial-life/">allowing you to split payments</a> without accruing interest.</p>
915. <p>The right credit cards can help you earn rewards and improve your credit score. Just be mindful of the risks, including carrying a large balance with high interest and not having a clear reimbursement plan. Some contractors also charge a processing fee when using this method.</p>
916. <p>It is crucial to pay off your balance in full each month, track your spendin,g and use cash-back rewards strategically. Additionally, you should protect yourself with radio frequency identification (RFID) blockers in your wallet or purse. Malicious actors can easily intercept your credit card information by standing near you with RFID devices, <a href="https://rehack.com/cybersecurity/rfid-blocking/">stealing over $1 billion</a> annually from consumers and financial institutions.</p>
917. <h2>Reducing Out-of-Pocket Costs With Federal Programs and Incentives</h2>
918. <p>Your major renovation may be eligible for federal energy-efficiency tax credits, such as the Energy-Efficient Home Improvement Credit and the Residential Clean Energy Credit. Specific improvements may qualify for a <a href="https://www.irs.gov/credits-deductions/energy-efficient-home-improvement-credit">tax credit up to $3,200</a> through December 31, 2025.</p>
919. <p>The Weatherization Assistance Program also helps low-income households <a href="https://www.energy.gov/scep/wap/weatherization-assistance-program">save about $372 annually</a> by providing weatherization upgrades that enhance energy efficiency and indoor air quality.</p>
920. <p>You can also check with your state energy office and local utility company to see if they offer rebates, grants, and tax credits for residential renewable energy projects. These programs and incentives can lower your monthly bills and out-of-pocket costs for new appliances and home technologies.</p>
921. <h2>Is Cash-Out Refinancing Still a Good Idea?</h2>
922. <p>In today’s high-interest-rate landscape, it is not wise to pursue cash-out financing. This approach <a href="https://due.com/mortgage-refinancing-how-does-it-work/">replaces your existing mortgage</a> with a larger one — a poor financial decision for those locked into a low rate.</p>
923. <p>According to Freddie Mac, current interest rates are <a href="https://www.freddiemac.com/pmms" target="_blank" rel="noopener">trending downward to</a><a href="https://www.freddiemac.com/pmms"> 6.5%</a> for a 30-year fixed-rate mortgage. As a result, refinancing applications have increased by 47%, the highest since October 2024.</p>
924. <p>Although cash-out refinancing may benefit some people, you are still better off paying for home improvements through home equity loans, HELOCs, personal loans, and personal savings.</p>
925. <h2>Comparing Your Home Renovation Payment Options</h2>
926. <p>Deciding how to pay for your major home renovation requires careful consideration and planning. To make the best selection, you must assess the actual project cost, risks, flexibility, and long-term impact on your financial well-being.</p>
927. <p>Begin by evaluating the project itself. Is it a large-scale structural remodel or a more minor cosmetic improvement? Also, determine if you need the funds immediately for an emergency repair or if you can plan out your expenses over the project timeline. Another critical factor is the return on investment for your upgrade and whether it will increase your home value. You do not want to spend money on upgrades with little impact on long-term appraisals.</p>
928. <p>Once you have an estimate for the project, you should look into different payment options. How much money have you saved, and will it cover the entire renovation? Cash is king, but if you must borrow, do so smartly. Knowing your credit score will help you secure better interest rates and loan terms if you must finance part of the renovation.</p>
929. <p>Analyzing your home equity, debt-to-income ratio, and monthly income can help you decide whether a home equity loan or a credit card is the right approach. Also, ask yourself whether you can afford the monthly repayments for either route.</p>
930. <p>Finally, determine how much risk you are willing to endure, such as using your home as collateral for a secured loan. If you prefer to avoid debt entirely, it may be better to continue saving funds to pay for everything outright.</p>
931. <h2>Making the Smartest Financial Choice for Your Home Renovation</h2>
932. <p>Your dream renovation requires you to make wise financial decisions that balance your vision and budget. While you may not want to sacrifice aesthetic preferences, it is best not to spend more than you are comfortable with or that you can earn back through a higher property value.</p>
933. <p>Consider the available options based on your current financial standing and accurate cost estimates for your home improvement project. Always aim to boost your home value with thoughtful upgrades without overspending.</p>
934. <p>Image Credit: Photo by Cal David; <a href="https://www.pexels.com/photo/close-up-photography-of-white-poodle-735319/">Pexels</a></p>
935. <p>The post <a href="https://due.com/the-smartest-ways-to-pay-for-a-major-home-renovation/">The Smartest Ways to Pay for a Major Home Renovation</a> appeared first on <a href="https://due.com">Due</a>.</p>
936. ]]></content:encoded>
940. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/09/Pay-for-a-Major-Home-Renovation-1024x768.jpg" width="800" height="600"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
941. <item>
942. <title>The Fall Financial Checkup: Retirement Readiness Review Before the New Year</title>
943. <link>https://due.com/the-fall-financial-checkup-retirement-readiness-review-before-the-new-year/</link>
945. <dc:creator><![CDATA[John Rampton]]></dc:creator>
946. <pubDate>Tue, 28 Oct 2025 16:04:14 +0000</pubDate>
947. <category><![CDATA[Retirement Planning]]></category>
948. <category><![CDATA[Fall Financial Checkup]]></category>
949. <category><![CDATA[financial planning]]></category>
950. <category><![CDATA[retirement readiness]]></category>
951. <guid isPermaLink="false">https://due.com/?p=93716</guid>
952.  
953. <description><![CDATA[<p>During the fall, people prepare instinctively as the days get shorter and the air gets crisper. Before winter sets in, we rake the leaves and seal the windows. However, fall isn’t just about yardwork, cozy sweaters, and pumpkin lattes. Financially, this is also an excellent time to plan for retirement. With a fall financial checkup, […]</p>
954. <p>The post <a href="https://due.com/the-fall-financial-checkup-retirement-readiness-review-before-the-new-year/">The Fall Financial Checkup: Retirement Readiness Review Before the New Year</a> appeared first on <a href="https://due.com">Due</a>.</p>
955. ]]></description>
956. <content:encoded><![CDATA[<p>During the fall, people prepare instinctively as the days get shorter and the air gets crisper. Before winter sets in, we rake the leaves and seal the windows. However, fall isn’t just about yardwork, cozy sweaters, and pumpkin lattes. Financially, this is also an excellent time to <a href="https://due.com/the-ultimate-guide-to-millionaire-retirement-planning/" target="_blank" rel="noopener">plan for retirement</a>.</p>
957. <p>With a fall financial checkup, you can keep an eye on your finances, take a step back, and make smart adjustments before the New Year. If you go into the holidays knowing you’re on track for long-term success, rather than waiting until January, you’ll be more confident about your <a href="https://due.com/smart-money-moves-that-transformed-my-financial-future/" target="_blank" rel="noopener">financial future</a>. Put it this way: it’s preventive maintenance for your finances.</p>
958. <p>Using this post, you can close out the year with clarity and peace of mind by reviewing your retirement readiness.</p>
959. <h2><b>Why Fall Is the Best Time for a Financial Checkup</b></h2>
960. <p>A spring season can feel like a time for renewal, while summer is often too busy. When it comes to reviewing your retirement plan, though, fall offers some unique advantages:</p>
961. <ul>
962. <li style="font-weight: 400;"><b>Year-end deadlines are still ahead.</b> It’s still possible to make contributions, rebalance <a href="https://due.com/income-generating-investments-that-build-wealth-during-retirement/" target="_blank" rel="noopener">investments</a>, and adjust withholdings before December 31.</li>
963. <li style="font-weight: 400;"><b>Holiday expenses are coming.</b> When you do a fall review, you can see what you can realistically afford to spend without derailing your <a href="https://due.com/ways-to-prevent-debt-from-ruining-your-retirement-goals/" target="_blank" rel="noopener">retirement goals</a>.</li>
964. <li style="font-weight: 400;"><b>Employer benefits windows are open.</b> As many companies hold open enrollment in the fall, you’ll have the chance to align your health and retirement benefits with your overall goals.</li>
965. <li style="font-weight: 400;"><b>It’s a natural checkpoint.</b> The fall is an ideal time to reflect on what went well and what didn’t, and where you can still improve.</li>
966. </ul>
967. <p>In short, autumn offers a window of opportunity: enough time to act, but close enough to year’s end to see clearly where you stand.</p>
968. <h2><b>Step 1: Revisit Your Retirement Goals</b></h2>
969. <p>In any checkup, the first step is to identify your goals and whether you are on track to achieve them. Over time, your vision of retirement might change.</p>
970. <ul>
971. <li style="font-weight: 400;"><b>Lifestyle goals.</b> Would you like to <a href="https://due.com/downsize-your-life-upsize-your-savings-the-financial-benefits-of-simplifying/" target="_blank" rel="noopener">downsize</a> and <a href="https://due.com/money-saving-travel-tips-for-retirees/" target="_blank" rel="noopener">travel</a>? Is it better to stay put and help family members? Think about what you want your retirement years to be like.</li>
972. <li style="font-weight: 400;"><b>Timeline.</b> Is your target retirement age changing? Maybe you want to stay at your job a few more years or quit sooner than you planned.</li>
973. <li style="font-weight: 400;"><b>Priorities.</b> In the future, are you more concerned with financial independence, legacy planning, or flexibility?</li>
974. </ul>
975. <p>By reassessing your goals, you can ensure that your financial plan keeps up with what you really want from life. Unless this is clarified, the numbers are meaningless.</p>
976. <h2><b>Step 2: Check Your Retirement Savings Progress</b></h2>
977. <p>After revisiting the “why,” it’s time to check the “how.”</p>
978. <ul>
979. <li style="font-weight: 400;"><b>Account balances.</b> Make sure you have reviewed any retirement accounts, such as your <a href="https://due.com/maximizing-your-401k-tips-for-every-stage-of-your-career/" target="_blank" rel="noopener">401(k)</a>, IRA, <a href="https://due.com/how-to-open-a-roth-ira-for-retirement-free-savings/" target="_blank" rel="noopener">Roth IRA</a>, and other IRAs. Has their growth been steady?</li>
980. <li style="font-weight: 400;"><b>Contribution levels.</b> Are you contributing enough to meet employer match requirements? Is it possible to increase contributions before the end of the year?</li>
981. <li style="font-weight: 400;"><b>Benchmark check.</b> Compare your savings to benchmarks based on your age. Although everyone’s situation is different, most planners recommend <a href="https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire" target="_blank" rel="noopener">saving 3x your annual salary by age 40, 6x by 50, and 10x by retirement</a>.</li>
982. </ul>
983. <p>Don’t panic if you discover a gap. Whether it’s boosting contributions or adjusting expectations, fall is a good time to take corrective action.</p>
984. <h2><b>Step 3: Review Investment Allocations</b></h2>
985. <p>As markets shift, so should your <a href="https://due.com/beginners-guide-to-diversifying-your-retirement-portfolio-dont-put-all-your-eggs-in-one-basket/" target="_blank" rel="noopener">portfolio</a>. When rebalancing your investments in the fall, it’s a good time to do so;</p>
986. <ul>
987. <li style="font-weight: 400;"><b>Asset mix.</b> Does your portfolio still match your risk tolerance and timeline? If you’re still decades away from retirement, too much stock exposure could feel risky, while too much bond exposure could limit growth.</li>
988. <li style="font-weight: 400;"><b>Diversification.</b> Check that your investments aren’t too heavily weighted on one sector or company.</li>
989. <li style="font-weight: 400;"><b>Rebalancing.</b> When stocks have risen disproportionately, reallocating some funds to bonds or cash equivalents can restore balance.</li>
990. </ul>
991. <p>A minor course correction now can prevent a larger problem in the future, much like adjusting your sails.</p>
992. <h2><b>Step 4: Maximize Tax-Advantaged Opportunities</b></h2>
993. <p>You still have time to use available tax benefits before the calendar flips, such as;</p>
994. <ul>
995. <li style="font-weight: 400;"><b>401(k) and IRA contributions.</b> For 2025, the standard 401(k) contribution limit for employees under 50 will be $23,500, while those over 50 can contribute an additional $7,500 as a <a href="https://due.com/catch-up-contributions-supercharge-your-savings-after-50/" target="_blank" rel="noopener">catch-up contribution</a>, bringing their total contribution to $31,000. For employees aged 60-63, there’s also an enhanced catch-up contribution of $11,250 in 2025, bringing total employee contributions to $34,750. The IRA limit is $7,000 (plus $1,000 catch-up).</li>
996. <li style="font-weight: 400;"><b>Health Savings Accounts (HSAs).</b> With a high-deductible health plan,<a href="https://due.com/how-to-use-an-hsa-as-a-tool-for-retirement-savings/" target="_blank" rel="noopener"> HSAs </a>offer triple tax benefits: contributions, growth, and withdrawals.</li>
997. <li style="font-weight: 400;"><b>Roth conversions.</b> You may be able to lock in tax-free growth by converting some traditional IRA funds into Roth IRAs this year if your income is lower.</li>
998. <li style="font-weight: 400;"><b>Flexible Spending Accounts (FSAs).</b> Be sure to check your balance and plan to use your funds before they expire.</li>
999. </ul>
1000. <p>Acting in the fall can help you reduce your taxable income and boost your retirement savings.</p>
1001. <h2><b>Step 5: Evaluate Your Income Plan for Retirement</b></h2>
1002. <p>When you stop working, you will need to plan for how you will draw income in retirement.</p>
1003. <ul>
1004. <li style="font-weight: 400;"><a href="https://due.com/understanding-social-security-misconceptions/" target="_blank" rel="noopener"><b>Social Security</b></a><b>.</b> Decide on your claiming strategy based on your projected benefits. By waiting until you reach full retirement age or later, you can increase your monthly retirement income significantly.</li>
1005. <li style="font-weight: 400;"><b>Pensions or </b><a href="https://due.com/why-retirees-love-annuities-even-if-advisors-dont/" target="_blank" rel="noopener"><b>annuities</b></a><b>.</b> Those who are fortunate enough to have these should double-check their payout options and survivorship benefits.</li>
1006. <li style="font-weight: 400;"><b>Withdrawal strategy.</b> Will you follow a 4% withdrawal rule or a more flexible approach depending on market conditions?</li>
1007. <li style="font-weight: 400;"><b>Tax efficiency.</b> For maximum efficiency, withdraw from taxable accounts first, then from tax-deferred accounts, and finally from Roth accounts.</li>
1008. </ul>
1009. <p>When you run the numbers in fall, you’ll be able to see if your income streams are sustainable.</p>
1010. <h2><b>Step 6: Review Insurance and Risk Management</b></h2>
1011. <p>You can protect yourself against unexpected events with a solid retirement plan. As part of your autumn financial checkup, you should review;</p>
1012. <ul>
1013. <li style="font-weight: 400;"><a href="https://due.com/life-insurance-policies/" target="_blank" rel="noopener"><b>Life insurance</b></a><b>.</b> Having paid off your debts and having independent children, do you still need coverage, or has your need decreased?</li>
1014. <li style="font-weight: 400;"><b>Disability insurance.</b> Take steps to ensure that you have an adequate income protection plan if you are still working.</li>
1015. <li style="font-weight: 400;"><b>Long-term care planning.</b> If you need assistance with living or in-home care, consider your financial resources.</li>
1016. <li style="font-weight: 400;"><b>Health insurance.</b> If you have financial and retirement goals, make sure that your retirement plan aligns with them. Also, <a href="https://due.com/how-to-compare-health-insurance-before-open-enrollment-2020-ends/" target="_blank" rel="noopener">open enrollment </a>usually occurs in the fall.</li>
1017. </ul>
1018. <p>Even though insurance isn’t glamorous, it can protect retirement savings from being wiped out by unforeseeable events.</p>
1019. <h2><b>Step 7: Update Your Estate Plan</b></h2>
1020. <p>As part of retirement readiness, you should also plan for your<a href="https://due.com/estate-planning-101-securing-your-legacy-and-your-loved-ones-future/" target="_blank" rel="noopener"> legacy</a>;</p>
1021. <ul>
1022. <li style="font-weight: 400;"><b>Wills and trusts.</b> Do they comply with current laws and family needs?</li>
1023. <li style="font-weight: 400;"><b>Beneficiaries.</b> Don’t forget to check your retirement accounts and insurance policies to make sure the designations are correct.</li>
1024. <li style="font-weight: 400;"><b>Powers of attorney.</b> Having someone make healthcare or financial decisions on your behalf can provide peace of mind.</li>
1025. </ul>
1026. <p>If you update these documents in the fall, it will prevent your loved ones from experiencing unnecessary confusion or stress in the future.</p>
1027. <h2><b>Step 8: Factor in Lifestyle and Holiday Spending</b></h2>
1028. <p>No matter how disciplined you are when it comes to saving, the <a href="https://due.com/make-some-extra-cash-from-the-holiday-season/" target="_blank" rel="noopener">holiday season</a> can throw you off. To plan realistically, use your fall checkup:</p>
1029. <ul>
1030. <li style="font-weight: 400;"><b>Set a holiday budget.</b> Make a budget for gifts, travel, and celebrations without dipping into retirement funds.</li>
1031. <li style="font-weight: 400;"><b>Review debt.</b> Avoid accumulating high-interest credit card debt. If you have extra income or a year-end bonus, you might be able to pay down balances.</li>
1032. <li style="font-weight: 400;"><b>Practice balance.</b> While it’s okay to enjoy the season, remember that every dollar you don’t overspend now can be saved for retirement.</li>
1033. </ul>
1034. <h2><b>Step 9: Schedule a Professional Review</b></h2>
1035. <p>There are times when even the most diligent DIYer can benefit from a second opinion. You can seek the assistance of a<a href="https://due.com/do-you-need-a-financial-advisor-heres-my-honest-take/" target="_blank" rel="noopener"> financial advisor</a>, a CPA, or an estate attorney to;</p>
1036. <ul>
1037. <li style="font-weight: 400;">Identify overlooked tax strategies.</li>
1038. <li style="font-weight: 400;">Prepare a stress test for your retirement plan by imagining different market scenarios.</li>
1039. <li style="font-weight: 400;">Align your investment time horizon with your goals.</li>
1040. <li style="font-weight: 400;">Set long-term goals and hold yourself accountable.</li>
1041. </ul>
1042. <p>To schedule a timely appointment before the end of the year, schedule one in the fall.</p>
1043. <h2><b>Step 10: Set Goals for the Year Ahead</b></h2>
1044. <p>Last but not least, set a few practical <a href="https://due.com/really-need-set-goals-new-year/" target="_blank" rel="noopener">goals for the New Year</a> during your fall checkup:</p>
1045. <ul>
1046. <li style="font-weight: 400;">Contributions should be increased by 1–2%.</li>
1047. <li style="font-weight: 400;">Get rid of a specific debt.</li>
1048. <li style="font-weight: 400;">If you’re eligible, open a Roth IRA or an HSA.</li>
1049. <li style="font-weight: 400;">Every quarter, rebalance your portfolio.</li>
1050. </ul>
1051. <p>With these bite-sized steps, retirement readiness will feel less overwhelming at the beginning of the new year.</p>
1052. <h2><b>Conclusion: Give Yourself the Gift of Peace of Mind</b></h2>
1053. <p>Autumn is a time for harvesting, storing, and preparing for winter. The same care should be given to your finances. When you do a fall financial checkup, you get more than just numbers. As you approach the holidays, you’re more confident, clearer, and more peaceful.</p>
1054. <p>Rather than worrying about what you haven’t done, you’ll know exactly where you stand — and what steps to take before December 31. As a result, when you raise a glass on New Year’s Eve, you will not only be celebrating the end of another year, but also your progress toward a <a href="https://due.com/keys-to-successful-retirement/" target="_blank" rel="noopener">successful retirement</a>.</p>
1055. <p>Image Credit: Zen Chung; <a href="http://pexels-zen-chung">Pexels</a></p>
1056. <p>The post <a href="https://due.com/the-fall-financial-checkup-retirement-readiness-review-before-the-new-year/">The Fall Financial Checkup: Retirement Readiness Review Before the New Year</a> appeared first on <a href="https://due.com">Due</a>.</p>
1057. ]]></content:encoded>
1061. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/Retirement-Readiness-Review.jpg" width="800" height="534"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
1062. <item>
1063. <title>America invests heavily in rare-earth mineral companies</title>
1064. <link>https://due.com/america-invests-heavily-in-rare-earth-mineral-companies/</link>
1066. <dc:creator><![CDATA[Matt Rowe]]></dc:creator>
1067. <pubDate>Tue, 28 Oct 2025 15:00:13 +0000</pubDate>
1068. <category><![CDATA[News]]></category>
1069. <guid isPermaLink="false">https://due.com/?p=94362</guid>
1070.  
1071. <description><![CDATA[<p>As the United States and its allies attempt to counter China’s aggressive trade tactics, a wave of billion-dollar deals is reviving the once-dormant Western critical-minerals industry. Private and government investors have poured money into rare-earth companies since China started limiting rare-earth exports in April, forcing auto factories to stop production and driving prices sharply higher. […]</p>
1072. <p>The post <a href="https://due.com/america-invests-heavily-in-rare-earth-mineral-companies/">America invests heavily in rare-earth mineral companies</a> appeared first on <a href="https://due.com">Due</a>.</p>
1073. ]]></description>
1074. <content:encoded><![CDATA[<p>As the United States and its allies attempt to counter China’s aggressive trade tactics, a wave of billion-dollar deals is reviving the once-dormant Western critical-minerals industry.</p>
1075. <p>Private and government investors have poured money into rare-earth companies since China started limiting rare-earth exports in April, forcing auto factories to stop production and driving prices sharply higher. To establish a non-Chinese supply chain for materials essential to high-tech manufacturing, these companies are expanding their plants, hiring technical specialists, and purchasing rival companies.</p>
1076. <h3>America invests heavily in rare-earth mineral companies</h3>
1077. <p>Rare earths will probably be the main topic of discussion during <a href="https://due.com/trump-and-powell-clash-over-inflation-strategy/">President Trump</a> and Chinese leader Xi Jinping’s meeting on Thursday in South Korea. Treasury Secretary <a href="https://en.wikipedia.org/wiki/Scott_Bessent">Scott Bessent</a> stated on Sunday that he anticipated Beijing would consent to postpone some planned export restrictions as part of a trade agreement. Few analysts, however, think the two leaders will settle the conflict completely.</p>
1078. <p>A $1.8 billion consortium, partially supported by U.S. government funds, was announced recently by metals-focused investment firm Orion Resource Partners to secure vital minerals for the United States and its allies. Trump and Australian Prime Minister Anthony Albanese inked a deal earlier last week to pool funds for critical-mineral and rare-earth projects.</p>
1079. <p>In the wake of that announcement, the U.S. Export-Import Bank announced that it would potentially finance seven mineral projects in Australia with $2.2 billion. The Defense Department will invest in a state-of-the-art gallium refinery in Western Australia to manufacture semiconductors, the White House added. As part of a $1.5 trillion strategic investment initiative, JPMorgan Chase also promised $10 billion to businesses that are essential to national security, such as those that produce rare earth elements. The bank took its first step on Monday, investing $75 million in Perpetua Resources, a mining company based in Idaho that will produce antimony, a crucial defense mineral that is currently controlled by China.</p>
1080. <h3>Private investors and western producers</h3>
1081. <p>Private investors have done the same. This year, the stock of MP Materials, the top rare-earth miner in the United States, quadrupled, increasing its market value to about $12 billion. The share price of Australian company Lynas Rare Earths has tripled in 2025 since it raised $500 million from investors in August.</p>
1082. <p>Western producers are finally gaining traction after years of struggling to compete with <a href="https://due.com/why-trumps-china-tariff-plan-faces-defeat/">China’s</a> state-backed mineral giants. Beijing’s stricter export regulations this year have demonstrated that China’s hegemony in rare earths is a weapon it can use against the United States at any time, not just a theoretical threat.</p>
1083. <p>In response, the U.S. government has taken steps to stabilize the market, such as setting a price floor for MP Materials to protect it from any price collapse brought on by China. In the meantime, Ucore Rare Metals, a Canadian processor, received $18 million from the Pentagon to construct its first commercial plant in the United States in Louisiana. This facility will convert raw rare earths into industrial oxides.</p>
1084. <p><em><strong>Featured Image Credit: Castorly Stock; Pexels: Thank you!</strong></em></p>
1085. <p>The post <a href="https://due.com/america-invests-heavily-in-rare-earth-mineral-companies/">America invests heavily in rare-earth mineral companies</a> appeared first on <a href="https://due.com">Due</a>.</p>
1086. ]]></content:encoded>
1090. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/America-invests-heavily-in-rare-earth-mineral-companies-1024x682.jpg" width="800" height="533"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
1091. <item>
1092. <title>Marriage expert reveals top question for stronger relationships</title>
1093. <link>https://due.com/marriage-expert-reveals-top-question-for-stronger-relationships/</link>
1095. <dc:creator><![CDATA[Brad Anderson]]></dc:creator>
1096. <pubDate>Tue, 28 Oct 2025 14:05:31 +0000</pubDate>
1097. <category><![CDATA[News]]></category>
1098. <guid isPermaLink="false">https://due.com/?p=94347</guid>
1099.  
1100. <description><![CDATA[<p>Good communication stands at the heart of successful relationships, and according to marriage expert Brian Page, there’s one question that could make all the difference between relationship harmony and discord. Page, who specializes in relationship counseling, has identified what he considers the most important question partners should ask each other – one that he believes […]</p>
1101. <p>The post <a href="https://due.com/marriage-expert-reveals-top-question-for-stronger-relationships/">Marriage expert reveals top question for stronger relationships</a> appeared first on <a href="https://due.com">Due</a>.</p>
1102. ]]></description>
1103. <content:encoded><![CDATA[<p>Good communication stands at the heart of successful relationships, and according to marriage expert Brian Page, there’s one question that could make all the difference between relationship harmony and discord.</p>
1104. <p>Page, who specializes in relationship counseling, has identified what he considers the most <a href="https://www.refinery29.com/en-au/questions-to-ask-your-partner" target="_blank" rel="noopener noreferrer">important question partners should ask</a> each other – one that he believes can prevent resentment from building and potentially add years to a relationship.</p>
1105. <h2>The Power of a Single Question</h2>
1106. <p>While Page hasn’t publicly shared the exact wording of this question, his research suggests it centers on understanding a partner’s needs and expectations. The question appears designed to open honest dialogue between couples before small issues grow into relationship-threatening problems.</p>
1107. <p>“Happy couples know that good communication can transform relationships,” Page explains. His work with couples has shown that many relationship breakdowns stem from unspoken expectations and accumulated resentments that could have been addressed earlier.</p>
1108. <p>The question likely encourages partners to express their feelings and <a href="https://due.com/annuities-for-young-professionals-kicking-retirement-planning-into-high-gear-way-before-you-think-you-need-to/" data-wpil-monitor-id="9125">needs in a constructive way</a>, creating space for mutual understanding rather than assumption-based interactions that often lead to conflict.</p>
1109. <h2>Preventing Resentment Through Communication</h2>
1110. <p>According to Page, resentment ranks among the most destructive forces in relationships. It typically <a href="https://due.com/ways-to-build-a-secure-financial-future-as-a-single-parent-in-modern-times/" data-wpil-monitor-id="9123">builds slowly over time</a> when needs go unmet or when partners feel consistently misunderstood.</p>
1111. <p>The expert’s recommended question appears to function as a pressure-release valve, allowing couples to <a href="https://due.com/issa-addresses-potential-tax-increases-for-high-income-americans/" data-wpil-monitor-id="9120">address potential</a> issues before they fester into deeper problems. By encouraging regular check-ins about relationship satisfaction, couples can make adjustments before small irritations grow into relationship-threatening issues.</p>
1112. <p>Research in relationship psychology supports this approach. Studies have shown that couples who engage in regular, honest communication about their needs report higher relationship satisfaction and longevity compared to those who avoid difficult conversations.</p>
1113. <h2>Building Relationship Longevity</h2>
1114. <p>Page’s work emphasizes that relationship longevity isn’t just about <a href="https://due.com/harmonizing-legacies-essential-estate-planning-for-blended-families-to-avoid-conflict-and-surprises/" data-wpil-monitor-id="9121">avoiding conflict</a> but about creating systems that allow couples to navigate inevitable disagreements constructively.</p>
1115. <p>The expert suggests that <a href="https://due.com/your-january-financial-check-up-17-key-questions-for-your-advisor/" data-wpil-monitor-id="9124">asking this key</a> question regularly throughout a relationship – not just during times of conflict – can help couples:</p>
1116. <ul>
1117. <li>Identify potential problems before they become serious</li>
1118. <li>Maintain emotional connection during stressful periods</li>
1119. <li>Develop greater empathy for their partner’s perspective</li>
1120. <li>Create a shared understanding of each other’s evolving needs</li>
1121. </ul>
1122. <p>This approach aligns with contemporary relationship research, which shows that relationship satisfaction often depends less on compatibility and more on how couples communicate through challenges.</p>
1123. <p>While Page hasn’t revealed the exact phrasing of his recommended question, relationship experts often suggest variations of questions that check in on a partner’s emotional state, satisfaction with the relationship, or unmet needs that might be causing stress.</p>
1124. <p>What makes Page’s approach noteworthy is his emphasis on prevention rather than crisis management. By encouraging couples to use this question in their regular communication, he provides a tool for relationship maintenance rather than just relationship repair.</p>
1125. <p>As relationships evolve, so do individual needs and expectations. Page’s question appears designed to help couples navigate these <a href="https://due.com/a-new-president-how-to-grow-your-money-during-political-change/" data-wpil-monitor-id="9122">changes together rather than growing</a> apart due to unaddressed shifts in what each partner needs from the relationship.</p>
1126. <p>For couples looking to strengthen their bonds, Page’s advice offers a straightforward starting point: ask the question that opens honest dialogue, listen genuinely to the answer, and be willing to make adjustments based on what you learn.</p>
1127. <p>The post <a href="https://due.com/marriage-expert-reveals-top-question-for-stronger-relationships/">Marriage expert reveals top question for stronger relationships</a> appeared first on <a href="https://due.com">Due</a>.</p>
1128. ]]></content:encoded>
1132. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/marriage_expert_reveals_top_question_relationships_1761580220-1024x576.webp" width="800" height="450"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
1133. <item>
1134. <title>Financial experts recommend Diwali investment review</title>
1135. <link>https://due.com/financial-experts-recommend-diwali-investment-review/</link>
1137. <dc:creator><![CDATA[Brad Anderson]]></dc:creator>
1138. <pubDate>Tue, 28 Oct 2025 11:05:28 +0000</pubDate>
1139. <category><![CDATA[News]]></category>
1140. <category><![CDATA[Diwali investment review]]></category>
1141. <guid isPermaLink="false">https://due.com/?p=94354</guid>
1142.  
1143. <description><![CDATA[<p>Financial advisors are encouraging individuals to use the Diwali festival period as an opportunity to conduct a thorough review of their financial portfolios. This traditional time of celebration and new beginnings is seen as an ideal moment to reassess both investments and liabilities. The recommendation comes as many families are already cleaning and organizing their […]</p>
1144. <p>The post <a href="https://due.com/financial-experts-recommend-diwali-investment-review/">Financial experts recommend Diwali investment review</a> appeared first on <a href="https://due.com">Due</a>.</p>
1145. ]]></description>
1146. <content:encoded><![CDATA[<p>Financial advisors are encouraging individuals to use the Diwali festival period as an opportunity to conduct a thorough review of their financial portfolios. This traditional time of celebration and new beginnings is seen as an ideal moment to reassess both investments and liabilities.</p>
1147. <p>The recommendation comes as many families are already cleaning and organizing their homes for Diwali, with financial experts suggesting that similar attention should be given to personal finances. A comprehensive financial review during this festive season could help individuals start the new year on stronger financial footing.</p>
1148. <h2>Portfolio Cleanup Recommendations</h2>
1149. <p>Financial planners suggest a two-step approach to this <a href="https://www.jlr.com/annual-report-2024" target="_blank" rel="noopener noreferrer">Diwali financial review</a>. First, individuals should examine their current <a href="https://due.com/retirees-guide-to-building-a-diverse-investment-portfolio/" data-wpil-monitor-id="9114">investment portfolio</a> and outstanding liabilities to identify and remove unnecessary or underperforming elements. This might include high-interest debt, dormant accounts, or investments that no longer align with financial goals.</p>
1150. <p>“Just as we clean our homes for Diwali, our financial house needs regular maintenance too,” said one financial advisor who specializes in personal finance. This festival provides a natural checkpoint for many families to assess what’s working and what isn’t in their <a href="https://due.com/stop-living-beyond-your-means-14-ways-to-master-your-finances/" data-wpil-monitor-id="9118">financial lives.”</a></p>
1151. <p>The second step involves identifying gaps in the <a href="https://due.com/constructing-a-dividend-portfolio-a-low-risk-approach-for-passive-income/" data-wpil-monitor-id="9119">financial portfolio</a> and adding necessary components. This could mean increasing emergency savings, starting <a href="https://due.com/minnesota-court-orders-restoration-of-24k-of-retirement-plan-contributions/" data-wpil-monitor-id="9116">retirement contributions</a>, or obtaining adequate insurance coverage that may have been overlooked.</p>
1152. <h2>Timing Aligns With Year-End Planning</h2>
1153. <p>The timing of Diwali makes it particularly suitable for a financial review, as it often falls near the end of the calendar year, when many people begin year-end tax planning and setting goals for the upcoming year.</p>
1154. <p>Financial institutions report seeing an uptick in investment activity around Diwali, with many clients using the occasion to make new investments or restructure existing ones. Some banks and investment firms have even created special Diwali-themed financial planning services to capitalize on this trend.</p>
1155. <blockquote><p>“The festive period often brings bonus payments and gifts that can be strategically invested rather than spent on impulse purchases,” noted a senior banking executive.</p></blockquote>
1156. <h2>Practical Steps for Implementation</h2>
1157. <p>For those looking to conduct a Diwali financial review, experts recommend these specific actions:</p>
1158. <ul>
1159. <li>Create a complete list of all investments, <a href="https://due.com/whats-the-point-of-a-savings-account-anyway/" data-wpil-monitor-id="9115">savings accounts</a>, and insurance policies</li>
1160. <li>Document all outstanding loans and credit card balances</li>
1161. <li>Calculate net worth by subtracting liabilities from assets</li>
1162. <li>Identify and close dormant accounts that may be incurring fees</li>
1163. <li>Consolidate <a href="https://due.com/multiple-people-charged-for-profiting-from-relationship-investment-scams/" data-wpil-monitor-id="9117">multiple investments</a> of the same type for easier management</li>
1164. </ul>
1165. <p>Financial planners also suggest involving family members in this review process, as Diwali brings families together and provides an opportunity for critical financial discussions that might otherwise be postponed.</p>
1166. <p>The practice of financial review during Diwali connects modern financial planning with the festival’s traditional significance, which celebrates new beginnings and prosperity. By clearing out financial clutter and strengthening their economic foundation, individuals can honor the spirit of Diwali while taking practical steps toward greater financial security.</p>
1167. <p>The post <a href="https://due.com/financial-experts-recommend-diwali-investment-review/">Financial experts recommend Diwali investment review</a> appeared first on <a href="https://due.com">Due</a>.</p>
1168. ]]></content:encoded>
1172. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/diwali_investment_review_financial_experts_1761583820-1024x576.webp" width="800" height="450"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
1173. <item>
1174. <title>Rising inflation puts the Fed in a bind</title>
1175. <link>https://due.com/rising-inflation-puts-the-fed-in-a-bind/</link>
1177. <dc:creator><![CDATA[Taylor Sohns MBA, CIMA®, CFP®]]></dc:creator>
1178. <pubDate>Tue, 28 Oct 2025 10:02:17 +0000</pubDate>
1179. <category><![CDATA[Money Tips]]></category>
1180. <category><![CDATA[Rising inflation]]></category>
1181. <guid isPermaLink="false">https://due.com/?p=94329&#038;preview=true&#038;preview_id=94329</guid>
1182.  
1183. <description><![CDATA[<p>September’s inflation reading came in at 3%. That marks the fifth straight month of higher inflation. It puts the Federal Reserve in a tough spot. The Fed targets 2% inflation, and the latest data is moving in the wrong direction. I am Taylor Sohns, CEO of LifeGoal Wealth Advisors, a CIMA and CFP. My focus […]</p>
1184. <p>The post <a href="https://due.com/rising-inflation-puts-the-fed-in-a-bind/">Rising inflation puts the Fed in a bind</a> appeared first on <a href="https://due.com">Due</a>.</p>
1185. ]]></description>
1186. <content:encoded><![CDATA[<p>September’s inflation reading came in at 3%. That marks the fifth straight month of higher inflation. It puts the Federal Reserve in a tough spot. The Fed targets 2% inflation, and the latest data is moving in the wrong direction.</p>
1187. <p>I am Taylor Sohns, CEO of LifeGoal Wealth Advisors, a CIMA and CFP. My focus here is clear: explain what this inflation trend means, how the current data gap complicates the Fed’s next steps, and what I will watch as we move into December. The market expects a rate cut next week. The question now is what comes after.</p>
1188. <blockquote><p>“September inflation just hit and it’s 3%. The market’s fifth straight month of accelerating inflation. This puts the Fed in a pickle.”</p></blockquote>
1189. <h2>What 3% Inflation Means Right Now</h2>
1190. <p>At 3%, inflation remains above the Fed’s 2% goal. The direction also matters. A five-month trend suggests price pressure has not abated. That matters for households and markets.</p>
1191. <p>Inflation affects real wages, savings, and borrowing costs. When price increases accelerate, the Fed is less inclined to ease policy. Cutting interest rates can add demand. That risks even higher prices if supply does not catch up.</p>
1192. <p>We have seen prices for essentials stay sticky. Think shelter, insurance, and services. Those areas tend to be slow to reverse. Even if goods prices behave, services can keep overall inflation firm—the structure of inflation matters, not just the headline number.</p>
1193. <p>Monetary policy works with a lag. Rate cuts today may not show up in the economy for months. The Fed must act on imperfect information. That is always true. It is even more true now.</p>
1194. <div>
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1196. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 360px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/DQMaZAakTrI/" data-instgrm-version="14">
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1209. <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div>
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1232. <p> </p>
1233. </div>
1234. </blockquote>
1235. <p><script async="" src="https://www.instagram.com/embed.js"></script></p>
1236. </div>
1237. </div>
1238. <h2>The Data Puzzle: Inflation vs. Jobs</h2>
1239. <p>Another wrinkle is the current disruption in government data. The government shutdown has halted some releases. Jobs numbers, which are central to the Fed’s dual mandate, are not being published. The labor market may be weakening, but that is an assumption, not confirmed data.</p>
1240. <p>At the same time, inflation reports continue. They are needed to calculate Social Security’s cost-of-living adjustments. So the Fed and the market can see the rising inflation trend. But they cannot see the job picture with the same clarity.</p>
1241. <blockquote><p>“Jobs data isn’t being published, which is supposedly weak justifying the Fed’s rate cuts. But inflation data is being published because it’s needed for Social Security cost of living adjustments.”</p></blockquote>
1242. <p>This creates an uneven scoreboard. The visible part shows rising prices. The hidden part may show softer hiring and slower wage growth. The risk is that policy leans on assumptions at a time when each move matters.</p>
1243. <h2>Why The Fed’s 2% Target Still Rules</h2>
1244. <p>The 2% inflation target is not just a line in the sand. It is the anchor for long-term expectations. When people expect stable prices, they plan, invest, and borrow with more confidence. If expectations drift higher, inflation can become harder to control.</p>
1245. <p>That is why the recent run higher matters. If inflation is rising while the Fed cuts rates, the market could question the Fed’s resolve. That doubt can raise longer-term yields. It can lift mortgage rates even as the policy rate comes down. The Fed wants to avoid that kind of split outcome.</p>
1246. <p>So the Fed faces a trade-off. Support growth if the labor market is weakening, or keep pressure on inflation if price stability looks at risk. The answer may not be a neat one-step move. It may be a sequence with careful messaging.</p>
1247. <h2>What Could Happen Next Week</h2>
1248. <p>The market expects a rate cut next week. The justification is the assumed weakness in jobs and the need to avoid a sharper slowdown. If the Fed cuts, officials will likely signal that they remain focused on inflation. They may frame the cut as part of a risk-management approach, not a shift to easy policy.</p>
1249. <p>Here is how that could sound from the Fed: we are cutting to support growth while inflation trends remain above target, and we will watch incoming data closely. That is a way to keep options open for December. It is also a way to avoid a market surge that could reignite price pressures.</p>
1250. <ul>
1251. <li>Inflation has been at 3% for five months and is rising.</li>
1252. <li>Jobs data is not available due to the shutdown, but some expect weakness.</li>
1253. <li>The Fed may cut rates next week while maintaining a firm stance on inflation.</li>
1254. <li>December remains uncertain without clarity on jobs and wages.</li>
1255. </ul>
1256. <h2>How December Comes Into Focus</h2>
1257. <p>December will hinge on a few key factors. First, we need the jobs data back. Payroll growth, the unemployment rate, and wage gains will shape the Fed’s confidence. Weak hiring or soft wages would support another cut. A tight labor market would argue for patience.</p>
1258. <p>Second, we need to see if inflation keeps rising. One month does not settle the trend, but five months carries weight. If the next reading backs off, the Fed gains breathing room. If it climbs again, the December meeting gets tricky.</p>
1259. <p>Third, financial conditions matter. If credit spreads widen or mortgage rates stay elevated, the economy may slow on its own. That can do some of the Fed’s work. If markets rally hard and conditions ease, the Fed may be more cautious.</p>
1260. <h2>Why Social Security COLA Keeps The Inflation Data Flowing</h2>
1261. <p>Social Security uses inflation data to set the annual cost-of-living adjustment, or COLA. That is why these reports continue even during a shutdown. The CPI figures, especially the index used for COLA, influence benefits for tens of millions of retirees.</p>
1262. <p>This link highlights something important. Inflation is not just a policy number. It affects real people. Benefits rise when inflation rises, but those increases often lag household needs. Retirees and fixed-income households feel persistent price pressure. That is part of the Fed’s calculus. It is also a reason to avoid another wave of inflation surprise.</p>
1263. <h2>The Market View: Why Stocks Care</h2>
1264. <p>Markets price in future policy, not just the present. A rate cut next week can lift risk assets in the short term. But investors also scan the path ahead. If inflation keeps moving up, the market may rethink how many cuts are coming.</p>
1265. <p>Bonds will react to any hint of sticky inflation. Long rates can rise if investors worry that the Fed is easing too fast. That can hit housing and capital spending. It can also hurt parts of the market that rely on cheap financing.</p>
1266. <p>On the other hand, clear signs of a cooling labor market could push yields lower. That would support housing and rate-sensitive sectors. The key is balance: ease enough to support growth without re-stoking inflation.</p>
1267. <h2>My Read On The Fed’s Playbook</h2>
1268. <p>I expect the Fed to cut next week. I also expect the Fed to keep its inflation message firm. They will likely avoid promising a series of cuts. They will stress data dependence and flexibility.</p>
1269. <p>For December, the path is open. If jobs data shows softening and inflation cools even modestly, another cut is possible. If inflation surprises higher again, the Fed may pause to assess. Credibility on price stability still guides the long game.</p>
1270. <p>The risk to watch is communication. If the Fed sounds too relaxed on inflation, long-term yields could jump. If the Fed sounds too strict while cutting, markets may worry about policy confusion. Expect careful language and a focus on the word “progress.” The Fed wants proof that inflation is moving back to 2% on a sustained basis.</p>
1271. <h2>What I’m Watching Into December</h2>
1272. <p>Several signals will help shape expectations as we head to the next meeting.</p>
1273. <ul>
1274. <li>The next CPI report: headline and, more importantly, services inflation.</li>
1275. <li>Jobs and wage growth once data releases resume.</li>
1276. <li>Consumer spending, especially on services and big-ticket items.</li>
1277. <li>Financial conditions: mortgage rates, credit spreads, and equity volatility.</li>
1278. <li>Corporate guidance on demand, hiring, and pricing power.</li>
1279. </ul>
1280. <p>Each of these tells part of the story. Together, they help confirm whether the economy is cooling without breaking. That is the soft-landing path the Fed still hopes for.</p>
1281. <h2>Practical Takeaways For Investors</h2>
1282. <p>Investors should prepare for a wider range of outcomes. This is a data-light period, choppy with headlines. Positioning should reflect both inflation risk and growth risk.</p>
1283. <p>Shorter-duration bonds can help manage interest rate volatility—quality matters across asset classes. Companies with healthy balance sheets and stable cash flows tend to hold up better when conditions tighten. Rate-sensitive parts of the market can bounce on cuts, but they can also sag if long rates rise.</p>
1284. <p>Diversification is not about chasing every move. It is about avoiding concentration on any single outcome. A balanced approach can help when policy moves and data gaps collide.</p>
1285. <h2>A Final Thought</h2>
1286. <p>We are in a strange moment. Inflation is visible and climbing again. Jobs data, a core guide for policy, is out of sight. The Fed has to act with one eye covered.</p>
1287. <p>I expect a rate cut next week. December is less clear. The direction of inflation and the return of labor data will drive that call. Price stability still sets the course. The long-term goal is the 2% target and a steady job market. Until we see clear progress, policy will stay cautious.</p>
1288. <blockquote><p>“The Federal Reserve will cut interest rates this week, but what will it do in December?”</p></blockquote>
1289. <p>That question defines the next two months. My recommendation is to stay patient, stay diversified, and watch the data as it returns. The path is open, but the destination still depends on the numbers.</p>
1290. <p>The post <a href="https://due.com/rising-inflation-puts-the-fed-in-a-bind/">Rising inflation puts the Fed in a bind</a> appeared first on <a href="https://due.com">Due</a>.</p>
1291. ]]></content:encoded>
1295. <media:content xmlns:media="http://search.yahoo.com/mrss/" medium="image" type="image/jpeg" url="https://cdn.due.com/blog/wp-content/uploads/2025/10/inflation_puts_fed_in_bind_1761321106-1024x576.webp" width="800" height="450"><media:credit role="illustrator" scheme="urn:ebu">Due</media:credit></media:content> </item>
1296. <item>
1297. <title>The Real AI Bottleneck: Why Humans Can’t Keep Up—or Cash In</title>
1298. <link>https://due.com/the-real-ai-bottleneck-why-humans-cant-keep-up-or-cash-in/</link>
1300. <dc:creator><![CDATA[Jaime Catmull]]></dc:creator>
1301. <pubDate>Mon, 27 Oct 2025 22:08:31 +0000</pubDate>
1302. <category><![CDATA[AI]]></category>
1303. <guid isPermaLink="false">https://due.com/?p=94341</guid>
1304.  
1305. <description><![CDATA[<p>Artificial intelligence can now make discoveries 10 times faster than humans. But if people can’t understand those discoveries 10 times faster, the bottleneck just shifts. Someone still has to understand the discovery, validate it, communicate it, secure funding, get it peer-reviewed, and build on it. All of those steps require human comprehension. And human brains […]</p>
1306. <p>The post <a href="https://due.com/the-real-ai-bottleneck-why-humans-cant-keep-up-or-cash-in/">The Real AI Bottleneck: Why Humans Can’t Keep Up—or Cash In</a> appeared first on <a href="https://due.com">Due</a>.</p>
1307. ]]></description>
1308. <content:encoded><![CDATA[<p data-start="887" data-end="1138">Artificial intelligence can now make discoveries 10 times faster than humans. But if people can’t understand those discoveries 10 times faster, the bottleneck just shifts.</p>
1309. <p data-start="887" data-end="1138">Someone still has to understand the discovery, validate it, communicate it, secure funding, get it peer-reviewed, and build on it. All of those steps require human comprehension. And <a href="https://due.com/decoding-the-human-brain-body-complexity/" data-wpil-monitor-id="9126">human brains</a> don’t read 10 times faster just because AI got smarter.</p>
1310. <p data-start="1140" data-end="1225">This is the AI comprehension crisis<strong data-start="1152" data-end="1180">.</strong> And until this week, nobody had solved it.</p>
1311. <h2 data-start="1232" data-end="1284">Partnering With Leading Life Science Platforms</h2>
1312. <p data-start="1286" data-end="1487">As part of its launch, Anthropic announced partnerships with several life science platforms, but one in particular stands out: <a href="http://www.Biorender.com">BioRender</a>, the leading platform for visual scientific communication.</p>
1313. <p data-start="1489" data-end="1704">BioRender is how scientists visually communicate their discoveries. When they need to show how a drug binds to a receptor or what happens inside a mitochondrion, they can’t just write it—they also need to show it.</p>
1314. <p data-start="1706" data-end="1874">For years, researchers either spent hours struggling with Adobe Illustrator or paid medical illustrators thousands of dollars, <a href="https://due.com/eu-wait-on-counter-tariffs-after-trump-announces-90-day-pause/" data-wpil-monitor-id="9129">waiting days</a> or even weeks for results.</p>
1315. <p data-start="1876" data-end="2366">Today, BioRender gives these same researchers more than 50,000 scientifically accurate icons and templates that snap together like Lego blocks. The company has more than 4 million users, including all the top pharmaceutical companies and the research teams behind several GLP-1 and mRNA drug development programs. It has also been used by 15 Nobel Prize-winning labs over the past five years, most recently by <a href="https://www.nobelprize.org/prizes/medicine/2025/sakaguchi/facts/">Shimon Sakaguchi</a>, the 2025 Nobel Prize winner in physiology or medicine.</p>
1316. <h2 data-start="2373" data-end="2422">Visual Language as the Solution to AI Speed</h2>
1317. <p data-start="2424" data-end="2569">Here’s what Anthropic seems to understand: When AI makes discoveries at superhuman speed, the constraint becomes translation, not intelligence.</p>
1318. <p data-start="2571" data-end="2710">A researcher using Claude to access BioRender can now describe an experimental workflow and generate publication-ready figures instantly.</p>
1319. <p data-start="2712" data-end="2945">When someone explains a complex system purely through text, your brain has to construct the visual model itself. That takes time, cognitive load, and working memory. When someone shows you a diagram first, comprehension accelerates.</p>
1320. <p data-start="2947" data-end="3112">Research on the <a href="https://www.sciencedirect.com/science/article/abs/pii/S0885201409000471?via%3Dihub">picture superiority effect</a> shows that people remember 65% of visual information after three days, compared with just 10% of text alone.</p>
1321. <p data-start="3114" data-end="3443">Now imagine Claude discovers a novel protein interaction pathway. It could write a 10-page explanation—or it could generate a BioRender figure showing the exact sequence of molecular events: proteins binding, conformational changes, downstream effects—all in a single standardized visual that every scientist can quickly grasp.</p>
1322. <p data-start="3445" data-end="3551">Visual communication closes the gap between how fast AI can discover and how fast humans can understand.</p>
1323. <h2 data-start="3558" data-end="3595">Why This Matters Beyond Science</h2>
1324. <p data-start="3597" data-end="3918">The comprehension bottleneck isn’t unique to life sciences. Legal AI can read contracts 100 times faster than lawyers, but lawyers still have to understand the findings at human speed. Financial AI <a href="https://due.com/us-housing-market-crisis-analyzing-unaffordability-factors/" data-wpil-monitor-id="9127">analyzes market</a> data in microseconds, but portfolio managers still need time to interpret insights before acting.</p>
1325. <p data-start="3920" data-end="4164">What Anthropic is doing with BioRender reveals the blueprint for more intelligent AI: building the translation layer that helps humans absorb AI-speed insights at human speed. Intelligence without comprehension infrastructure is just faster noise.</p>
1326. <h2 data-start="4171" data-end="4233">The Compressed Century Requires Compressed Communication</h2>
1327. <p data-start="4235" data-end="4424">Anthropic CEO Dario Amodei has <a href="https://due.com/predicting-sp-500s-performance-in-a-year/" data-wpil-monitor-id="9131">predicted 100 years</a> of progress in 10 years<strong data-start="4276" data-end="4314">.</strong> That means the next decade could bring more biological breakthroughs than the entire 20th century combined.</p>
1328. <p data-start="4426" data-end="4565">New scientific discoveries don’t inherently change the world. The <a href="https://due.com/real-world-assets/" data-wpil-monitor-id="9128">world changes</a> when they are well enough understood to be acted upon.</p>
1329. <p data-start="4567" data-end="4892">When AI can generate 1,000 hypotheses overnight, humans need to evaluate which are worth pursuing. When experiments can be designed in minutes, scientists need to understand the logic before approving them. When new drug targets appear daily, researchers need to comprehend the mechanisms before building on them.</p>
1330. <h2 data-start="4894" data-end="4981"><strong data-start="4926" data-end="4979">Money only flows toward things people understand.</strong></h2>
1331. <p data-start="4983" data-end="5394">A <a href="https://due.com/supreme-court-withholds-hundreds-of-millions-in-research-grants/" data-wpil-monitor-id="9130">researcher can’t get a National Institutes of Health grant</a> without explaining the work clearly enough for a review committee to understand it. A scientist can’t recruit collaborators without showing why it matters. A pharmaceutical executive won’t fund a pilot unless they comprehend the mechanism and the market. <a href="https://due.com/venture-capital-decisions/" data-wpil-monitor-id="9132">Venture capitalists don’t</a> write checks for discoveries they can’t explain to their investors.</p>
1332. <p data-start="5396" data-end="5627">This is how the world actually works—through grant proposals, board presentations, investor decks, and regulatory submissions. Every dollar that moves in science requires someone to understand something well enough to say yes.</p>
1333. <h2 data-start="5634" data-end="5692">Building the Cognitive Infrastructure for the Future</h2>
1334. <p data-start="5694" data-end="5877">BioRender’s integration solves the real problem: building the cognitive infrastructure that prevents human comprehension from becoming the bottleneck in the compressed 21st century.</p>
1335. <p data-start="5879" data-end="6086">Because here’s the thing: AI might be able to discover cures for cancer in the next five years<strong data-start="5905" data-end="5978">.</strong> But if scientists can’t understand, validate, and act on those discoveries fast enough, it doesn’t matter.</p>
1336. <p data-start="6088" data-end="6131">The breakthrough dies in translation.</p>
1337. <p>The post <a href="https://due.com/the-real-ai-bottleneck-why-humans-cant-keep-up-or-cash-in/">The Real AI Bottleneck: Why Humans Can’t Keep Up—or Cash In</a> appeared first on <a href="https://due.com">Due</a>.</p>
1338. ]]></content:encoded>
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