What happens to mortgage rates when the U.S. national deficit keeps climbing and credit ratings drop? In this episode, Quinton breaks down how Moody’s recent downgrade impacts 30-year fixed rates, why rising treasury yields hurt homeowners, and where rates might be headed next. Get clarity on the rumors about China selling off U.S. treasuries and find out which countries are actually increasing their positions. Homeowners and buyers will want to hear how market volatility and delayed Fed rate cuts could affect affordability this summer.

“Every time you hit a height, there’s only one way to go — and it’s usually back down.” — Quinton Harris

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Special thanks to MBS Highway: https://www.highway.ai/

If you are interested in obtaining a home loan feel free to reach out to Texana Bank Mortgage at https://mortgage.texanabank.com

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your One More!

Thank you for being part of our community!

Hey, subscribe to What’s Your 1 More Podcast for key insights!

What's the deal with Trump, Powell, and the Fed? This episode dives into the Fed Funds meeting, inflation data, and the labor market. Is the Fed going to lower interest rates, and what does this mean for homeowners? Quinton discusses the impact of tariffs and the uneasiness in the market.

"I think we have some significant signs of weakness in the labor market" - Quinton Harris

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If you are interested in obtaining a home loan feel free to reach out to Texana Bank Mortgage at https://mortgage.texanabank.com If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your One More! Thank you for being part of our community!

00:00:00 Intro to Fed Watch   

00:00:20 New sponsor alert   

00:00:50 Trump vs. Powell   

00:01:03 Labor over inflation   

00:01:24 PCE and Labor data   

00:01:44 Fed likely to do nothing   

00:02:19 Fed is independent   

00:02:45 Trump/Powell relationship   

00:03:43 Trump's banter   

00:04:30 PCE data details   

00:05:59 Inflation at 2.3%   

00:06:09 Focus on labor market   

00:06:44 Private sector jobs   

00:07:34 Job cuts not improving   

00:07:54 ADP report: uneasiness   

00:08:39 Market volatility   

00:08:43 Signs of weakness   

00:09:10 Potential runaway train   

00:09:44 Tariffs impact on prices   

01:10:59 Trump administration pressure   

01:11:24 Rate cut forecasts   

01:11:44 Trump's reaction   

01:12:14 Scott Besson's job   

01:12:54 Fed Funds meeting preview   

01:13:19 Subscribe to the channel   

Don’t forget to like, comment, and subscribe to the “What’s Your 1 More” Podcast for more stories that inspire and challenge the way we think.

What does it take to go from hitting worn-out golf balls in Fiji to winning The Masters and becoming World #1? In this episode, we sit down with PGA Hall of Famer and legend Vijay Singh to hear how the game of golf—and the road to greatness—has changed over the years. From self-taught swings and practicing without cameras to his thoughts on LIV vs PGA, Vijay shares what the game looked like before the money and tech took over. Golf lovers, competitors, and homeowners alike will take something from this conversation about grit, focus, and what it means to stay committed when no one’s watching.

“The only way to stay ahead is to stay ready.” — Quinton Harris

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00:00:10 – Intro & Vijay’s Hall of Fame career
00:01:25 – Growing up in Fiji & discovering golf
00:02:35 – Self-taught swing & learning from observation
00:04:05 – Practicing without tech or coaches
00:06:30 – From hitting worn-out balls to Rookie of the Year
00:08:35 – Obsession with practice & focus
00:10:50 – Competing against Tiger, Phil & legends
00:13:25 – Golf is younger now: early training & tech
00:14:45 – Equipment changes & course evolution
00:18:05 – LIV vs PGA: the merger & fallout
00:25:20 – What happens to LIV players now?
00:26:10 – Greg Norman’s long-standing tension with the Tour
00:26:30 – Favorite courses: Pebble Beach & Augusta
00:28:25 – Superstitions, lucky numbers & marking the ball
00:29:00 – Winning the PNC with his son
00:30:05 – The moment he won the Masters
00:32:55 – Vijay’s “one more round” pick

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What happens when mortgage rates spike more than 60 basis points in just five days? In this episode, Quinton Harris unpacks the shocking rebound in the 10-year Treasury and how it's driving mortgage interest rates into the 7s—just one week after nearing sub-4% territory. He explains how margin calls, treasury liquidations, and global uncertainty are affecting rates, and why this matters now more than ever for buyers and sellers. If you're thinking about waiting for rates to drop or fearing a recession, Quinton brings the facts—especially for those wondering whether now is still a smart time to buy.

💬 “If you're sitting on the sidelines waiting for the right time, you’re going to miss the opportunity—real estate always wins coming out of a recession.” – Quinton Harris

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00:00 – “What a Difference a Week Makes”
00:33 – 10-Year Treasury jumps 60–70 basis points
01:00 – Fear’s effect on markets & investor behavior
01:52 – Tariffs rolled back and impact on market sentiment
02:30 – “Trying to time the bottom is like catching a falling knife”
03:05 – Margin calls and treasury liquidation
04:15 – China dumping treasuries?
05:10 – Weakening US dollar and effect on treasuries
06:00 – Mortgage rates shoot back into the 7s
06:47 – “R” word: Recession and what it signals
07:28 – Real estate and recessions: Historical data from 1970–present
08:25 – Gray bars = recessions; blue line = real estate appreciation
09:00 – If you can afford the payment, now might be the time to buy
09:54 – Common objections to buying right now
10:29 – Inventory and demand pressures on home prices
10:52 – Recap of the risk trade and bond market reaction
11:35 – Gold prices surge—another safe haven sign
11:57 – Who’s the largest US debt holder? Not China
12:38 – Federal Reserve expected to return as buyer
13:25 – Why the Fed may be forced to act soon
13:59 – Rate cuts and treasury purchases as economic stimulus
14:40 – This could all change in five days—stay calm
15:00 – Real estate agents: Lead with facts to counter fear
15:35 – Call for comments and engagement from the audience
15:55 – Closing remarks and outro

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How do tariffs and trade policies quietly impact your wallet—and even your home purchase? In this episode, Quinton connects the dots between global economic moves and what they mean for U.S. homeowners. He breaks down how tariffs can increase the cost of construction materials, drive inflation, and influence mortgage rates. For buyers navigating today’s market, understanding these behind-the-scenes factors could be the edge you need when deciding if now is the right time to act.

“People think tariffs are just politics—but they hit your home faster than you think.” —Quinton

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Special thanks to MBS Highway: https://www.highway.ai/

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your One More! Thank you for being part of our community!

00:00:00 - Intro to Tariffs and Episode Overview

00:01:10 - Tariffs: US Trade Deficits and Reciprocal Actions

00:03:45 - Tariffs: Negotiation Tool vs. Escalation, Revenue Generation

00:05:35 - National Deficit and How Tariffs Could Impact It

00:08:55 - Tariffs Impact on Other Countries (Vietnam, China)

00:13:45 - Economic Impact: Potential Recession and Fed Response

00:17:30 - Tariffs and the 10-Year Treasury Yield

00:19:55 - Housing Market and Tariffs

00:21:00 - Podcast Outro

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How does your credit score really impact your ability to buy a home? This episode breaks down the key factors that shape your credit, common mistakes that lower scores, and how homeowners can protect their financial future. Learn why small financial habits can make a big difference when securing loans and getting the best interest rates. Credit isn’t just about numbers—it’s about unlocking opportunities.

"Your credit score isn’t just a number, it’s a tool—use it wisely." – Quinton Harris

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Special thanks to PARTNERS CREDIT

Credit Resources:

https://bit.ly/WY1MCredit 

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your One More! Thank you for being part of our community!

00:00:00 - Intro

00:00:45 - Defining Credit

00:01:49 - Defining Negative Terms

00:02:36 - Credit Karma vs. Lender Scores

00:04:14 - Types of Credit Reports

00:06:34 - Factors That Create Your Score

00:07:40 - Payment History (35%)

00:08:30 - Amount You Owe (30%)

00:09:59 - Length of History (15%)

00:10:40 - New Credit (10%)

00:12:00 - Type of Credit Used (10%)

00:12:44 - How to Hack Your Credit

 00:13:14 - The 1-2-3 Model

00:13:59 - Pro Tip #1: Renting

00:14:30 - Pro Tip #2: Installment Loans

00:15:10 - Pro Tip #3: Revolving Credit

00:17:00 - Largest Balances Carry Weight

00:18:14 - Fastest Ways to Establish Credit

00:19:49 - How Trade Lines Work

00:22:50 - Review of Five Factors

00:23:54 - Impact of Credit Utilization

00:25:39 - All About Collections

00:26:14 - Medical Collections

00:27:29 - Paying off Collections

00:30:09 - Maintaining a Good Score

00:30:44 - Pro Tip: Don’t Close Old Cards

00:32:39 - Credit Monitoring Systems

00:33:44 - Credit Pulls and Score

00:34:54 - Be a Conscious Credit User

00:35:39 - Outro

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How much is health insurance really costing you? In this episode, Quinton Harris sits down with Eric Ross to uncover the truth about rising healthcare costs, insurance industry tactics, and how homeowners can make smarter financial decisions. They break down why premiums keep increasing, how to navigate medical billing without overpaying, and what new policies mean for your household budget. Plus, Eric shares practical strategies for independent contractors and real estate professionals to access better health benefits.

"The American people are tired of fluff—they want transparency, good, bad, or indifferent." – Quinton Harris

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Book Reference: Never Pay the First Bill - Marshall Allen

Health benefits and coverage: https://www.venteur.com/ 

https://www.benefitbay.com/

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your engagement helps shape future episodes of What’s Your One More! Thank you for being part of our community!

📌 Timestamps:

0:00 - Welcome Back, Eric Ross!


1:02 - Eric’s Podcast & Milestone 100th Episode


2:47 - Health Insurance Costs Are Rising—Why?


4:05 - The Shocking Cost of Family Health Insurance


6:57 - Who Really Controls Your Healthcare Costs?


8:45 - New Administration’s Push for Transparency


10:30 - Medical Debt: The #1 Cause of Bankruptcy


12:15 - Why You Should Never Pay the First Medical Bill


15:00 - The Power of Negotiating Your Medical Bills


17:45 - Insurance Companies & Hospital Pricing Tactics


20:30 - Physician Shortages & the Rise of Concierge Care


23:12 - Real Estate Agents & Health Insurance Solutions


27:00 - Consumer Frustration with Healthcare Costs


29:40 - Vigilante Consumer Anger & Healthcare Executives


32:05 - Social Media’s Role in Public Perception


35:10 - The Reality of Podcasting—Why Most Fail


39:25 - Why Consistency & Patience Matter in Podcasting


42:50 - Healthy or Not Healthy? Rapid-Fire Segment


44:55 - Good Dad or Bad Dad? Coaching Your Kids


48:00 - Final Thoughts & Key Takeaways

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Is the economy heading for a slowdown, or are we just in a detox phase? In this episode, we break down Treasury Secretary Scott Bessent’s recent statements on government spending, mortgage rates, and how homeowners can navigate the shifting credit market. We discuss the rising delinquencies in auto loans and credit cards, what they mean for the housing market, and why the administration is focused on bringing down the 10-year treasury. Homeowners, this could be your opportunity to leverage home equity and stay ahead.

"The administration's turning its attention to the 10-year treasury… someone finally gets it!" – Quinton Harris

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If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of “What’s Your 1 More”! Thank you for being part of our community!

Data Resource: Fitch Ratings

Chart: Axios Visuals

[00:00:00] – Welcome to Episode 238

[00:00:10] – Is Scott Bessent the unsung hero of real estate?

[00:00:35] – The administration’s focus on lowering the 10-year treasury

[00:01:00] – Scott Bessent’s take on government spending and the economy

[00:01:40] – The “detox period” and expected economic slowdown

[00:03:25] – Rising delinquencies in auto loans and credit cards

[00:04:55] – Breaking down prime vs. subprime auto loan delinquencies

[00:05:50] – Why housing and consumer credit markets are different

[00:07:00] – Credit card debt, minimum payments, and household budgets

[00:08:10] – What does “canary in the coal mine” mean?

[00:10:30] – The administration’s strategy to lower mortgage rates

[00:11:00] – Will mortgage rates unlock the housing market soon?

[00:11:15] – Closing thoughts and how to stay connected

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What’s really driving the Federal Reserve’s decisions on interest rates— jobs or inflation? In this episode, we break down the latest job reports from ADP and the Bureau of Labor Statistics, revealing why the labor market could force the Fed to act sooner than expected. Homeowners, this matters—full-time jobs are shrinking, consumer sentiment is shifting, and rate cuts may be coming.

“Help is on the way because right now you've got an administration focused on driving the 10-year treasury down.” - Quinton Harris

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Facebook: /whatsyour1more

Twitter: /whatsyour1more

Instagram: /whatsyour1more

Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

🔑 Special thanks to MBS Highway. https://www.highway.ai/

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your One More! Thank you for being part of our community!

👍 Like and subscribe to What’s Your 1 More Podcast for the latest market updates!

How will the latest PCE report impact mortgage rates and home affordability? In this episode, Quinton Harris breaks down the Fed’s latest inflation reading, what it means for interest rates, and how the 10-year Treasury drop is shaping the housing market. Scott Benset’s comments on the private sector raise big questions about the economy’s real strength. Homebuyers and sellers—timing is everything right now. With mortgage pricing improving, should you act before the market heats up? Quinton also unpacks Governor DeSantis' proposal to eliminate property taxes and what it could mean for Florida homeowners.

"There’s an appetite in this market for homes, and buyers are willing to take action. If you’re waiting, you might miss the window."

Connect with us:


Youtube: https://www.youtube.com/@whatsyour1more

Website: 1Mpodcast.com

Facebook: /whatsyour1more

Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355

Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

If you are interested in or have any questions about how to obtain a home loan, feel free to reach out to LoanPeople at www.loanpeoplejax.com

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your One More!

Thank you for being part of our community!