On this episode of The Rate Guy, JP makes his lead pipe lock guarantees for 2025. We also take a look at his 2024 forecast and analyze what he got right and what was a big miss.

Thanks for listening this year! We'll see you in 2025 as we kick off our 5th season.

Happy New Year!

On this episode of The Rate Guy we discuss what to expect at this week's FOMC meeting and recite JP's Interest Rate spin on 'Twas The Night Before Christmas. 

JP will send out a newsletter Wednesday with his analysis of the meeting. If you'd like to recieve that subscribe to the Pensford Newsletter here. 

On this episode of The Rate Guys we discuss the Jobs Report and.how it will affect the Fed Meeting. Also, what data point can you not trust right now. And we of course had to touch on the heartbreak of the Penn State loss. So if you want to skip the football, fast forward to about the 3:45 mark.

For those that want to check out the the CME Fed Match link  that JP discussed. Here you go!

On this episode of The Rate Guy it's all about inflation, jobs and how the data this week may impact the Fed's decision to cut or not at this month's meeting.

On this episode of The Rate Guy we draw a parallel between our family’s driving mishaps and the Fed’s approach to monetary policy. With inflation cooling and jobs slowing, the Fed is cautiously navigating an economic intersection, but are they pressing the brakes too hard—or not enough? Tune in to hear what’s ahead for rates.

This week on The Rate Guy, we explore whether deficits could push the 10-Year Treasury to 7% and why Fed policy, not just debt, drives long-term yields

Not much happened last week...just an Election and a Fed meeting. On this episode of The Rate Guy we cover both of those and talk tariffs, their potential inflation impact, projected cuts in 2025 and whether McConnell might be Trump’s biggest obstacle. 

On this episode of The Rate Guy, we discuss the frustration of Penn State football and draw parallels to the economy. Just like Penn State’s repeated mistakes, the labor market shows signs of weakness despite misleading headlines. We dive into the latest disappointing jobs report, rising unemployment, and the increasing likelihood of Fed rate cuts. Plus, we look ahead to a potentially volatile week with the election and Fed meeting on the horizon.

We're baaaaack! On this week’s episode of The Rate Guy, we talk about why we can’t take vacations! We step away for a moment, and everything goes haywire. An exasperated JP dives into the current market craziness, and reassures everyone that we're back for a while, and things will (hopefully) settle down.

Tune in as we break down Core PCE, GDP forecasts, and what to expect from the next jobs report. Is inflation really making a comeback? Can strong GDP calm the markets? And what’s the Fed's next move?

Plus, highlights from our Iceland adventure—stunning waterfalls, elusive northern lights, and why the Blue Lagoon left us seriously underwhelmed.

To see a few shots from our trip check out the Pensford Newsletter. 

On this episode of The Rate Guy we discuss how to view the latest Jobs print and how it won't impact the Fed's move in November. 

FYI the graph is full of orange representing the Unexplained Employment.(not red as Sarah remembered on the podcast) To view in the Pensford newsletter click here.