Foggy Forecast

Splits and Caps Daily: Action for Agents

August 13, 2025

📈 Market Move:

Tricky Trends

Inflation numbers came in… not terrible, not great. July’s CPI held steady at 2.7%, but core inflation ticked up to 3.1% — its biggest jump since January. Translation: The Fed’s still likely to cut rates in September, but don’t start planning your victory lap on mortgage rates just yet.

History lesson: Last year, the Fed cut rates three times — and mortgage rates actually went up twice afterward. That’s because mortgages dance to the tune of 10-year Treasury yields, market vibes, and inflation expectations… not just Jerome Powell’s scissors.

Tariffs are quietly lurking in the background, but so far, the impact is a whisper, not a roar. Stock market loved the report (Dow +1%), but the 30-year fixed stayed flat at 6.58%.

Bottom line: Fed cuts might make headlines, but they don’t guarantee cheaper mortgages. This is one of those “cloudy with a chance of rate drops” kind of forecasts.

🌟Quote of the Day:

“Be louder than your excuses.” — Jay Shetty

⚡ Quick Win:

Micro-Mentor Move – DM someone you admire with a single, specific question. Way better than “can I pick your brain?”

🎉 Fun Fact of the Day: 

Roost Rules: 🐔 Some HOAs actually ban roosters but allow hens. Translation: fresh eggs, no 5 a.m. wake-up calls.

📚 Book Recommendation:

“Marketing Rebellion” by Mark Schaefer — Most marketing advice is like a 1990s aerobics tape — cheesy, repetitive, and painfully out of date. Mark Schaefer’s Marketing Rebellion is the antidote.

Here’s the gist: Customers are in control now. They block ads, ignore your “Buy Now” spam, and trust their friends more than your shiny brochure. The old playbook — shove your message down their throat until they buy — is dead. The new game? Earning trust by being useful, human, and worth talking about.

Schaefer drops hard truths, real-world case studies, and a simple idea: stop fighting your customers, start joining them.

If you’re tired of yelling into the marketing void and ready to actually get people to care, this is your playbook.

Win the day. Stack enough, and you win the year.

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