Welcome to All In uncensored with Ryan and Bryon!
Welcome to Episode 23: Mindset and Momentum. In this episode Ryan and Bryon are bridging the gap by exploring mindset and how it can create momentum.

Some of the topics we will touch on in this episode:
• Does Mindset Matter?
• Two types of mindset: fixed and growth
• How do you transform into a growth mindset?
• Importance of self care

Does Mindset Matter?
Mindset is a set of beliefs that shape how you make sense of the world and yourself. It influences how you behave, think and feel in a situation. What you believe about yourself will impact your success or failure.

Fixed and Growth mindsets
Fixed you believe that your abilities and traits cannot change. A growth mindset is the opposite, talents and abilities can through effort and persistence be developed over time.

Transforming into a growth mindset
Focus on the journey. Incorporate “yet” into your vocabulary. You may not master something but by using yet it implies it is possible. Pay attention to words and thoughts. Put positive thoughts into your mind. Take on challenges. We learn from mistakes and get better. As we mentioned in our Go for No episode – fail faster to find success quicker.

Important of Self Care
Often times we are wired to have a limiting belief system or negative self talk. By caring for yourself and putting in the work you can transform into a growth mindset and overcome our social programing of a fixed mindset.

Wrap Up
Find us on our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored

Link for our website: www.allinuncensored.com Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch how lips on our instagram and youtube channels!

Thanks again for tuning in! It’s another great day!

Welcome to Episode 22: What Moves Mortgage Interest Rates?. In this episode Ryan and Bryon are bridging the gap by asking the question what moves mortgage interest rates?

Some of the topics we will touch on in this episode:
• What causes interest rates to go up or down?
• How does inflation affect rates?
• What is currently going on with inflation?
• What is our take on inflation and future of rates?

What causes interest rates to go up or down?
Mortgage rates are tied to the mortgage backed securities bond market. Investors move their money into bonds to protect the value of their dollar. In an inflationary environment, dollar is stronger and as a result investors sell their bonds or mortgagage backed securities in favor of higher return investments like CD’s. When the 30 year MBS goes down, rates go up.

How does inflation affect rates?
Inflation means more dollars competing for less goods so demand is higher than supply which cause the cost of something to go up. In this case investors have opportunities for bigger returns in different investment vehicles other than mortgage backed securities so they unload their positions causing the bond market to fall which inversely causes rates to go up.

What is currently going on with inflation?
We have higher energy costs, shelter costs and vehicle insurance costs whichare the three main drivers of inflation right now. Until the Fed sees inflation stabilize at no more than 2% we will continue to see them hold their position to not cut rates. The reality is inflation is likely to remain stubborn and we have less than a 47% chance of a rate cut by July.

What is currently going on with inflation?
We believe that it will likely take higher unemployment numbers to move the needle with the Fed to cut rates. While we continue to see unemployment numbers remain low, it is mostly because people are taking on 2nd jobs and part time work to supplement their income. The jobs data is not really a solid indicator of what is actually happening in the market. With a likelihood of a global monetary crisis on the horizon we believe unemployment will spike which will force Feds hand to have to cut rates. Right now the Fed is walking a fine line between trickery and divinity.

Wrap Up
Find us on our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored
Link for our website: www.allinuncensored.com Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch how lips on our instagram and youtube channels! Thanks again for tuning in! It’s another great day!