🏠 Mortgages Doubling Overnight—WTF???
Plus: NEW Diabetes Study Has Big Pharma Shook, FDA Fast-Tracks Biotech That Holds $930M in Cash
This week’s market, investing, and business insights from insiders and experts outside the mainstream media:
Imagine your mortgage doubles overnight—happening to many.
University close with Big Pharma just dropped a bombshell study.
$930M in cash, very little debt, and FDA fast-tracked—who am I?
THIS unheard-of beauty product mopped the floor with Estée Lauder.
And more. Let’s get to it!
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Top Insights of the Week
1. 🏠 Mortgages Doubling Overnight—WTF???
Imagine waking up, and your $2,100 mortgage is now $4,100—it’s happening to many. There’s a scary number that recently came out and is surprisingly not getting enough attention. It’s from a word most are avoiding…prime rates…and it’s still at a scary high, 7.75%...
What the hell is a prime rate? It’s the interest banks offer to their safest bets—big, low-risk companies—for short-term loans. But here’s the kicker, this rate sets the bar for everyone’s credit card, loan, and mortgage rates. When it goes up, borrowing costs generally jumps for everyone.
Why 7.75%? In a nutshell, when the Fed raises or lowers its rate, the prime rate typically follows suit.
7.75% = bigger monthly payments, less spending power…
So, if you snagged an adjustable-rate mortgage a few years back at a sweet 3%-4%, refinancing now means facing a 7.75% rate hike. Absolute madness!
Regional banks are feeling the squeeze too…
With the prime rate at 7.75%, regional banks are sitting on loans and securities with losses in the Billions. Not a typo.
~$46B in office debt is coming due by 2025, and only 26% of last year’s office loans were fully paid off.
What are regional banks doing to avoid disaster? A little game of “extend-and-pretend”—stalling for time, hoping for rate cuts and better market conditions. In other words, "Jesus, take the wheel."
A glimmer of hope?
Fed recently cut rates by 0.25% to 4.5-4.75%, prime rate went from 8% to 7.75%.
Trump’s back. He’s pro-business and could give commercial real estate a lifeline. He might push the Fed to cut rates, but they don’t have to listen.
2. 😳 NEW Diabetes Study Has Big Pharma Shook
A university with close ties to Big Pharma just dropped a bombshell study revealing that stress might actually be the root cause of type 2 diabetes.
Their discovery…Fatty foods trigger stress signals, flooding your body with fatty acids, causing insulin resistance—leading to type 2 diabetes.
Two fat mice, 1 develops diabetes the other doesn’t…
Researchers tested two groups of mice: normal ones and others altered to block stress signals. Both ate fatty foods and gained weight, but only the normal mice got diabetes. The altered mice stayed healthy.
Who’s behind this research that challenges old assumptions? Rutgers University. And they have 2 major players turning heads…
Novo Nordisk could use this research to tackle insulin resistance at its source.
Eli Lilly is known for going after novel ideas in the diabetes field—don’t be shocked if they’re first to jump on this.
Regardless of who runs with this research, we're watching closely—economic impact could be huge…
Cost the U.S. ~$412/year due to healthcare and lost productivity.
Insulin costs alone tripled, ~$8B in 2012 to ~$22B in 2022.
~537M people are living with diabetes.
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4. 💸 $930M Cash. Little Debt. FDA Fast-Tracked—Who Am I?
FDA is laser-focused on ending obesity and they’re all in on this one drug that top investors are calling a “goldmine”. And, The Wall Street Journal called it a “gold rush”. The drug sucking up all the attention…GLP-1.
GLP-1 mimics a gut hormone, telling your brain you’re full, so you eat less.
There's a small biotech who sees this as their opportunity to explode in growth. In fact, FDA "nudged" them to pick up the pace, fast-tracking their GLP-1 drug to Phase 3. Investors heard—and their stock shot up 30%…Viking Therapeutics.
Here’s why we’re paying close attention…
Helping patients lose AND keep the weight off, unlike Ozempic.
Swimming in $930M cash and very little debt.
Good relations with FDA, entering Phase 3 trials.
Offers both an injectable and pill, broader patient appeal.
Share are up 531% in the last 12 months, with no approved drugs—plenty of room for more growth.
Fascinating research…
Patients taking Viking’s drug saw 14.7% weight loss in 13 weeks. Ozempic took 68 weeks for similar results.
All the benefits of GLP-1s for weight loss with very little side effects.
Improved blood sugar levels could help those at risk of diabetes or with metabolic issues.
Weight-loss market: ~$274B in 2024, projected ~$405B by 2034.
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Top 3 Charts of the Week
1. 📈 Insane Revenue Growth by e.l.f
e.l.f. Beauty’s sales jumped 40%, smashing expectations, while big names like Estée Lauder saw drops.
Their low-cost "dupes" are winning over Gen Z and beyond.
e.l.f. is crushing it by selling great beauty products that don’t break the bank.
2. 💰 Berkshire's $325 Billion Cash Stack
Buffett's team sold $36B in stocks, boosting their cash stash to a record ~$325B, cutting Apple shares again.
Buffett’s cash move suggests he's waiting for better investment opportunities.
3. 🤔 First-Time Homebuyers Hit Record High Age
First-time homebuyers are now 38 years old—the oldest ever. High prices and mortgage rates are delaying homeownership.
More people are renting longer. Today’s buyers are older and paying cash.
Rent costs are climbing faster than wages, especially in big cities.
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