KP Talks Dollars and Sense
KP Talks Dollars and Sense helps you learn financial literacy and provides real-time updates on all things housing, finance, and real estate with your host Kevin Peranio. As an owner and C-level executive for 20 plus years in finance, KP is here to serve you with all of his knowledge and experience. Tune in each week for more episodes. Kevin Peranio does not render or offer to render personalized investment or tax advice through KP Talks Dollars and Sense. The information provided is for informational purposes only and does not constitute financial, tax, investment or legal advice.
Episodes
135 episodes
Fed Decisions, Market Volatility, and Global Shifts
Now is a great time to buy a house.Housing prices are cooling down without a crash, and lower interest rates are driving up demand.Options give you rights; futures come with obligations.Quad Witching Day: A major event w...
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Season 3
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Episode 7
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25:56
Mortgage Market Updates and Treasury Trends
The Fed has cut interest rates, following the lead of other central banks.Global oil demand is on the decline.Liquidity is growing in financial markets, creating new opportunities.Jobless claims have risen slightly, sign...
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Season 3
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Episode 6
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19:19
Inflation Eases, but the Labor Market Remains a Concern
Inflation has its benefits, but the real driver is the labor market.We'll see if recent figures are overstated with the August jobs report. Meanwhile, jobless claims are slowly ticking up, and lenders are now demanding upfront agreement...
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Season 3
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Episode 5
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21:45
Market Moves: AI and Institutional Trading
Happy Labor Day!The top 500 asset managers control a whopping $131 trillion. Every day, $558 billion is traded on US stock markets, with 90% of this trading done by institutions and 80% of it automated. Bad economic news...
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Season 3
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Episode 4
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16:08
Insurance Crisis, Market Updates, and AI Weather
Insurance rate hikes are intended to stabilize finances, but urgent government action is needed to address the ongoing insurance crisis. Federal regulation remains limited due to differing state-level rules.Despite recent turbulence fro...
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Season 3
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Episode 3
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13:53
Is the Economy On Shaky Ground?
Growing recession concerns.Consumer confidence is wavering, job cuts are on the rise, and critical indicators are signaling a potential recession.The Federal Reserve has missed the mark on unemployment predictions, underestimati...
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Season 3
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Episode 2
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21:05
Fed Pressured as Market Fluctuation Intensifies
Credit, not cash, is the true engine of the economy.The recent turmoil in the stock market is a prime example of how leverage and contagion can wreak havoc.Leverage, credit, contagion—these forces drive the financial world.<...
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Season 3
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Episode 1
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15:51
Our Economy: 70% Struggle and 30% Thrive
McDonald's is encountering its largest sales hurdle in 20 years, opening doors for strategic pivots and new opportunities. The economy is increasingly driven by 70% non-baby boomers, with baby boomers accounting for 30%, indicating...
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Season 2
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Episode 58
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25:49
Big Tech Glitch Shakes the Markets
Many people are actively trading futures and options, and their movements are driving market trends. With futures options expiring soon, it's a critical time in the market.The recent CrowdStrike incident wasn't solely their faul...
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Season 2
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Episode 57
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18:12
Financials Kick Off Earnings Season Strong
Financials set the tone for the earnings season.Retail sales are projected to decline by 0.2%.The Big 3 financials are influencing growth expectations.Earnings numbers have a significant impact on the flow of money and e...
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Season 2
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Episode 56
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16:24
Will Rates Get Cut Soon?
The Core PCE (Personal Consumption Expenditures) gauge is critical for understanding economic policy decisions, particularly inflation-related ones.Currently, inflation is showing signs of slowing down. The post-COVID recovery in supply...
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Season 2
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Episode 55
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30:46
Jobs Week Reports 170k Jobs!
AI is the greatest revolution yet.The Fed's balance sheet is shrinking.The Fed's latest numbers indicate a drop in GDP estimates.Learn how AI impacts the markets and what GDP numbers are telling us. Here's the in...
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Season 2
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Episode 54
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23:48
$6 Trillion is Waiting on the Sideline
Lower rates might benefit consumers.We buy and sell money and that's what we do. We're still helping people get a house.This episode we will understand how the secondary market sees our business and the core of the busin...
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Season 2
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Episode 53
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19:11
The Mixed Bag of Economic Indicators
Most Federal Reserve officials (14 out of 16) think unemployment will stay low, around 4.1%.While 2 Fed members think it might even drop a little lower, to 3.8%.Unemployment is getting worse than expected.The Fed still w...
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Season 2
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Episode 52
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20:31
NVIDIA's Trillion-Dollar Boom
Multiple banks have cut including the European Central Bank.More banks will cut in their upcoming meetings.We don't need a very strong dollar.The DOJ warns not to share specific commission amounts.The commission ...
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Season 2
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Episode 51
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17:46
It’s Jobs Week and the Fed is in Blackout Mode
The softening in prices paid is noted in the manufacturing report.A significant drop in manufacturing prices could indicate a slowing economy.Declining copper prices suggest a potential economic slowdown.There was a 4% m...
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Season 2
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Episode 50
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20:19
AI Boom Drives $14.9 Billion Q1 Surge
NVIDIA just reported a staggering $14.9 billion in Q1!NVIDIA's earnings were described as a Fed Open Market Committee meeting.Big tech companies contribute to NVIDIA's net earnings.Last week's CPI report suggested easing...
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Season 2
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Episode 49
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15:25
When Will We Get Cheap Groceries Again?
Leading indicators now show a slowing economy and lower GDP growth.BlackRock’s Rick Rieder weighs in on how higher rates have influenced inflation.GDP is not growing as much.Election-year politics may be influencing effo...
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Season 2
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Episode 48
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30:12
Freddie Mac Made a Big Move
The 10-year Treasury yield spread to the 30-year fixed-rate mortgage is narrowing. The spread may shift interest rates.The 30-year fixed-rate mortgage is tightening.$16.9 trillion in total home equity at the end of Q1.$8...
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Season 2
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Episode 47
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11:09
Bad News Good? Rates Might Drop
Inflation feels like a wild ride.Is it stuck in high gear, or is it just a temporary phase?Lease and new prices are still down in the 12-month index.ISM services number contradicts to expected numbers of 52 and fell shor...
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Season 2
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Episode 46
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19:59
Market Updates, Upcoming Events, Inflation and More
Record-breaking $70 billion of Treasury sales auctioned this week.Big numbers coming up for the next quarterly refunding amount that will be announced by the Secretary of Treasury, Janet Yellen.Above $1.6 trillion quarterly anno...
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Season 2
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Episode 45
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27:21
The PCE and Why the Cost of Money Matters
Shifting from stocks to safer bets with yields going up in the Treasury market.More and more selling pressure in the stock market as yields go up.Gold has been going up while Bitcoin is halving.Bitcoin is digital gold. <...
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Season 2
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Episode 44
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21:05
Will We Still Get 2024 Fed Cuts?
The CPI is at 45% of the index attributed to shelter, housing, and owner's equivalent rent. Auto costs, including insurance, saw a notable rise, with month-over-month increases.Is the 3% the new 2%? When will the Fed give up?
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Season 2
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Episode 43
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17:36
Is the Economy Really Strong?
The jobs report has been making waves, with 303,000 new jobs added. Fed's mandate isn't just about job creation but a balance between inflation, price stability, and full employment. Fed's moderate long-term interest rate ...
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Season 2
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Episode 42
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20:28
Inflation's Down! Jobs / GDP are Up!
The Fed's mission is to stay "data-dependent" has us all glued to our screens, and analyzing its every move.The Fed's every decision impacts our businesses, from investment strategies to staffing levels and beyond.We are witness...
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Season 2
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Episode 41
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11:24