5 Wise Money Moves Before The Fed Starts Raising Interest Rates Again
Time's almost up on ultralow rates, so don't be caught off guard.
Federal Reserve Chairman Jerome Powell arrives for a Senate Banking Committee meeting in Washington, Sept. 28, 2021.
By Sigrid Forberg Jan. 27, 2022
Word just came down that you’ll soon pay more in interest for many loans. And your credit card balance with a variable interest rate? It’s about to cost you more too.
Federal Reserve Chairman Jerome Powell and the other policymakers at the central bank said this week that they’ll raise rates “soon,” likely at their next meeting in March, to try to slow inflation that’s rising faster than it has in almost 40 years.
But regulators held a key interest rate near zero for now. You’ll need to act quickly to take advantage of today’s lower rates for a large purchase or for a loan for a necessity, like a new car to replace an old pile of junk that needs too many repairs.
Here are five money moves to jump on before rates rise.
1. Refinance Your Home Loan
Mortgage rates are going up from historically low levels in the pandemic, but they’re still a good deal for many people. The Fed’s expected rate increases this year will affect variable-rate loans, and its changing pandemic-related policies could create a climate for higher fixed-rate mortgages as well.
But take a look at your rates anyway because nearly 6 million homeowners could still save $1.6 billion monthly by refinancing now, the mortgage data and technology firm Black Knight tells MoneyWise.
The average interest rate on a 30-year fixed-rate mortgage hit 3.56% last week, up from 3.45%, government-sponsored mortgage buyer Freddie Mac reports. But remember that rates for shorter mortgages, while also trending upward, typically run lower than 30-year rates, so refinancing for a quicker payoff might still save you money in the end.
Plus, 3.56% is an average — lenders will offer you lower and higher rates. That’s one reason you shouldn’t skip the step of comparing rate quotes from multiple companies.
2. Consolidate Your Debt
The pandemic made it difficult for Americans to travel, eat in restaurants and shop at retailers, and many used the money they didn't spend on those activities to increase their savings and pay down debt.
To continue reading, please go to the original article here:
https://moneywise.com/managing-money/budgeting/money-moves-before-fed-raises-rates
KTFA
Wednesday Night Video
FRANK26…10-28-26….CBI AND FINANCE MINISTER TALK
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
Rafidain Bank Starts Second Round Of Salary Advances
2026-10-28 02:25 Shafaq News- Baghdad Iraq’s state-owned Rafidain Bank has opened applications for a second round of electronic loans for employees and retirees, the bank said Wednesday. Applicants must receive their salaries through Rafidain Bank and hold a Rafidain card. They can apply through the SuperQi app, a digital financial services platform developed by Iraqi payment company Qi Card, without visiting bank branches. All applications are subject to the bank’s lending requirements.
Bruce’s Big Call Dinar Intel Friday Night 10-23-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome, everybody, to the big call. It is Friday, October 23, and you're listening to the new and improved big call on a newly migrated free conference call hd.com, which was migrated overnight to the Starlink satellite system.
So that's why we didn't have the call last night, (Thursday 22nd ) and that's why we're having a makeup call tonight. It's kind of like Friday Night Lights. It's like wear your Friday Night Day tonight.
Ariel:This is Going to be Historic, you all have to Change your Approach Now
10-28-2026
This Is Key
They cannot short the new dinar because the exchange happens programmatically inside the DTCC vault. ( The Depository Trust & Clearing Corporation (DTCC))
They cannot front-run the revaluation because the liquidity is gated through the Ripple trust bank.
They cannot seize the oil assets because the tokenization makes ownership transparent and transferable.
TNT:
Tishwash: President Al-Zaidi discusses with the International Trade Centre support for investment and the development of tourism, agriculture, and the digital economy.
Prime Minister Ali Faleh al-Zaidi discussed with the Executive Director of the International Trade Centre, Pamela Hamilton, prospects for joint cooperation and ways to benefit from the Centre’s expertise in supporting economic and investment development in Iraq.
During his meeting with Hamilton and her accompanying delegation on Tuesday, Al-Zaidi emphasized that Iraq possesses numerous investment opportunities, noting that the government's policy is based on openness to foreign investments and providing facilities and privileges for investors, as well as paying attention to developing the tourism sector.
Bruce’s Big Call Dinar Intel Tuesday Night 10-27-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome, everybody, to the big call tonight. It's Tuesday, October 27, and you're listening to the big call. Thanks for tuning in, everybody. Again, we're on our normal Tuesday Thursday schedule now, and many of you, I think, may have missed our makeup call that we did on Friday because we did not get a chance to have a call on Thursday night because free conference call was transitioning to the Starlink satellite system.
So as hard as we tried, we couldn't get the call going, and we decided to start it on Friday night, same time, same station, but Friday instead of Thursday. And we had a lot of people, I think, that didn't get the memo, even though the message was out in various ways online, some people I think did not realize that's what we had done.
Good Afternoon Dinar Recaps,
GLOBAL FINANCIAL RESET WATCH: DTCC LAUNCHES TOKENIZATION SERVICE AS WALL STREET MOVES TOWARD BLOCKCHAIN
The launch of a new securities tokenization service by one of Wall Street’s most important financial infrastructure organizations marks a significant step toward connecting traditional markets with blockchain technology.
Coffee with MarkZ, joined by Bob Lock and Zester. 10/27/2026
MarkZ Disclaimer: Please consider everything on this call as my opinion. Be sure to consult a professional for any financial decisions
MZ: More factions disarm; Borders, smugglers. Bob Lock and Zester join as well.
THE CONTENT IN THIS PODCAST IS FOR GENERAL & EDUCATIONAL PURPOSES ONLY&NOT INTENDED TO PROVIDE ANY PROFESSIONAL, FINANCIAL OR LEGAL ADVICE. PLEASE CONSIDER EVERYTHING DISCUSSED IN MARKZ’S OPINION ONLY
NESARA GESARA QFS: The Transition Framework
10-28-2026
NESARA GESARA QFS
Telegram 10/27/2026
t.me/Gesara_QFS
NESARA / GESARA — THE TRANSITION FRAMEWORK
• NESARA/GESARA represents a global shift away from debt-driven economics toward fairer financial structures, including discussions around debt relief, tax reform, and sovereign economic control.
Emailed to Recaps~ Thank you David
Reset Intelligence: Bessent Opens Ripple's Conference.
By Reset Intelligence | @EXIT_FIAT
On Tuesday US Treasury Secretary Scott Bessent opened Ripple's Swell conference in Manhattan, the day after Washington chartered Ripple's own national trust bank. He told the room where he thinks the dollar's strength now comes from: "We will keep our military umbrella, but I think more and more it's becoming a technology umbrella."
In the same room sat the firms that hold, clear and settle much of the world's money: CME Group, BNY, State Street and Barclays.
Good Morning Dinar Recaps,
GLOBAL DEBT RESET WATCH: AI FINANCING RISKS COLLIDE WITH AMERICA’S $40 TRILLION DEBT
The enormous cost of artificial intelligence infrastructure is colliding with rising borrowing needs, raising questions about debt sustainability, financial stability, and the future direction of global capital.
6 Attitudes That Breed Financial Failure
By Kentin Waits WiseBread
Financial success or failure is often the result of attitudes — both conscious and unconscious — that affect our behavior. No amount of budgeting and self-control can help us when we’re up against ingrained ideas about money management, spending, and debt. If you’re having a tough time shifting your financial behavior, maybe it’s time to change your mind about money. Here are six common attitudes that work against us financially.
System Implosion As Debt Spiral Causes Financial Contagion | Mitch Vexler
Liberty and Finance: 10-27-2026
Mitch Vexler of Mockingbird Properties returns to Liberty and Finance with a stark warning about what he calls a growing bond debt crisis that could threaten the global financial system.
Vexler alleges that trillions of dollars in school district bond debt are unsustainable, arguing that compounding interest and property tax assessments are masking deeper financial problems.
Ariel: Banks that Know about the RV Exist
10-28-2026
Your Marching Orders: This Is Your Mission Statement Private (The Code You Follow)
The Coward’s Exit, The Guru’s Grift, and Why Your Bank Teller’s Opinion Means Absolutely Nothing
THE BANKS THAT DO KNOW — YES, THEY EXIST
And here’s the part the doom-posters conveniently ignore: there are banks specific, identifiable, operational banks that have already acknowledged the revaluation internally and are actively preparing to receive Dinar holders post-RV.
Gold Steadies Near $4,000 as Oil Eases and the Fed’s Biggest Week Begins
Published: 10-26-2026,
Gold is holding just above $4,000 an ounce on Monday. That’s a partial comeback from last week’s slide to its lowest level since mid-July. Oil prices are pulling back today, and that’s taking some pressure off the metal. The relief comes right before Tuesday’s start to the Federal Reserve’s two-day policy meeting. Silver isn’t holding up as well. It’s giving back an early morning gain and trailing gold into the decision, and that’s pushed the gold-silver ratio to its highest level in months.
Plan B Options for folks on Social Security
Notes From the Field By James Hickman (Simon Black / Sovereign Man) October 27, 2026
In the early morning hours of February 7, 1937, a young American named Stirling Dickinson got off a train in central Mexico and rode into San Miguel de Allende on a mule-drawn cart.
He and a Princeton classmate were months into a trip around Mexico looking for a quiet place to write, and a Mexican opera singer had told them to try San Miguel.
The Dollar Is Being Quietly Dismantled Ft. Andy Schectman
Kinesis Money: 10-26-2026
In this week’s Live from the Vault, Andrew Maguire is joined by Andy Schectman to discuss how the dollar’s reserve status is being quietly dismantled, as sovereign buyers accumulate gold at a pace that is leaving Western investors far behind.
The two experts examine why physical silver remains the most undervalued asset in the current monetary environment, and what is quietly building inside the US financial system that most investors have yet to recognise - or prepare for.
TNT:
Tishwash: An economist warns of a "cost of living setback" due to exchange rate volatility.
Economic expert Abdul Rahman Al-Mashhadani warned on Monday of the significant negative repercussions of exchange rate instability and the current market turmoil. He emphasized that relying on stopgap solutions and manipulating the currency directly harms citizens' purchasing power and is detrimental to the economy.
In a statement to the Information Agency, Al-Mashhadani said, "The true salvation of the Iraqi economy does not lie in changing the exchange rate or raising the price of the dollar, as these measures may provide quick and temporary liquidity to the state treasury, but they do not constitute financial reform in themselves without comprehensive strategic plans."
Currency Reform Before Removing Zeros
Baghdad/Iraq Observer As discussions resurface regarding the future of the Iraqi currency and the possibility of removing zeros or replacing the dinar, the importance of prioritizing economic and monetary policies as a foundation for any future reform measures is paramount.
MilitiaMan and Crew: Is the Window Opening? Market Analysis You Can't Miss
10-28-2026
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
No drama. No intrigue. No songs and dances. Just straight, factual news that I read and interpret to the best of my ability after being an avid Dinar investor and insanely obsessed Dinarian for over 15 years.
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