Mortgage rates have been slowly rising since the start of this year, and are expected to increase throughout 2022. Rates are now closer to 2018 levels than the historic lows seen during the height of the pandemic. Interest rates are dynamic — they rise and fall on a daily basis depending on economic factors. In general, now is a good time for prospective homebuyers to lock in a lower rate rather than later this year. Speaking with multiple lenders will help you find the best rate available for your financial situation.

“The pandemic put distortions on both the demand and supply side of the US economy,” Bivens said. “On the demand side, it channeled tons of spending into the narrow channel of durable goods. And then, of course, that’s the sector that needs a healthy supply chain in order to deliver goods without inflationary pressures. We haven’t had a healthy supply chain overwhelmingly because of COVID.”

Impatient shoppers won’t need to wait for July, however: Early Prime Day deals will begin on June 21. Some of the early teases include up to 55% off Amazon devices including the Echo Show 5, Kindle Paperwhite, Ring Alarm, Halo Band, Eero Wi-Fi systems and more. There will also be Fire TVs on sale, with prices starting at $90. 

What’s happening

Economic headwinds are prompting questions about whether the US is headed into a recession.

9. Verify connected devices

How to boost dopamine: 

There are some not-so-healthy habits that increase dopamine like drinking caffeine, eating sugar or taking certain recreational drugs. But you can find ways to kick this hormone up without turning to potentially unhealthy or addictive substances. 

Take a small step toward someone each day.

Loretta Breuning, author of Habits of a Happy Brain

“Social trust is what triggers oxytocin. If you hug someone you don’t trust, it doesn’t feel good. Trust comes first. You can build social trust by taking small positive steps toward people,” Breuning says. 

Apple

You can even set up multiple customized lock screens with different widgets and easily swipe to switch between them. There’s even a photo-shuffle option that automatically changes the pictures on your lock screen.

Place your router in a central location

Strong network security starts with a smart setup. If possible, place your router at the center of your home. Routers send wireless signals in all directions, so strategically placing your router in a central location will help keep your connection to the confines of your home. As a bonus, it will likely also make for the best connection quality. 

What’s the best loan term?

When picking a mortgage, it’s important to consider the loan term, or payment schedule. The most common loan terms are 15 years and 30 years, although 10-, 20- and 40-year mortgages also exist. Mortgages are further divided into fixed-rate and adjustable-rate mortgages. For fixed-rate mortgages, interest rates are set for the life of the loan. Unlike a fixed-rate mortgage, the interest rates for an adjustable-rate mortgage are only set for a certain amount of time (commonly five, seven or 10 years). After that, the rate adjusts annually based on the market rate.

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