Neil couple of yves before st. Patricks day, folks they are not worried about the selloff on the corner of wall and broad. We are not worried about it. We have Kendall Fisher coming up. Work with me. This is as long as i can do the irish accent. Im neil cavuto. Lets get to it this prest. Patricks day show. A lot to get to, not a lot of green between wall and broad, a lot of selloffs in effect. Meridian equity partner. Always good to see you. What is going on here today . I understand the backandforth stuff, maybe the rate cuts we want to see on wall street get pushed back to june and beyond but where are you on this . Lets break it down in different segments which weve seen a selloff the last two trading seconds. The market is at significant returns into this year. Weve seen the market trend higher and higher. A little bit of a pullback is healthy for our markets putting aside Interest Rate talks. That is what we are seeing, profittaking, we are getting close to the end quarter and we will see that type of activity taking money off the table. Lets talk Interest Rates. The fed meeting next week, we know what we are going to hear, they are not going to cut rates at this point, they will remain data dependent and look at all the issues and the economy. Talk about a june cut is on the table. I dont think they will give us insight on next week that would take the june cut off the table. That is what we are banking for, looking for june to see some sort of movement. The Economic Data we have seen so far, market activities weve seen so far is putting us on this path that we will see a cut in june. Neil what about technology . Technology stocks have been bumpy what people focus on nvidia and some of these others. That was living up a tad but the pressure we have with china over tiktok is spilling over between our countries, the apples and other technology lines, huge exposure, nvidia wants to expand business. What do you make of that . It certainly is. Prior to covid, march 2020 the biggest headline we were talking about was china towers. That went away with the covid headlines we had to deal with on a multiple basis but that is the pressure we have continually with china so from the Technology Sector, thats an issue, the relationship with china, the actual friendship is never going to be there and that plays into the Technology Sector. Weve seen significant move in the Technology Sector but we are getting to that point of what will move it lower and we will continue to have these import export issues with china as they use that on us. Neil following that from the floor of the stock exchange, we are talking to ken fisher about what he sees going on, still very optimistic, rate cut or no rate cut. Gasbuddy. Com guy has been focusing on this jump in gas prices weve been seeing and it is picking up steam. A lot of people say its deflection of the economy. Where are you on this . We are seeing something seasonal, something we expect a couple months ago in our fuel outlook. This is as we get closer to summer talking about refinery maintenance, thats the gist of this coupled with refinery maintenance that typically happens this time of year. Most of the nation is switching over to epa mandated gasoline, they are cleaner, part of the Clean Air Act amendments. Demand is going up, spring breakers are hitting the road. Its not a mystery to us, gas prices are up 345 just today, reaching of the year over year increase for the first time in the last few months. Talking about inflation gas prices where they were a year ago but we should stop of 4 a gallon once we see peak price in april or may. Lauren 1 normally what happens gas gets to an essential level, people say im not going to drive as much. It is its own behavior change. How do you see it this see this year as we get into summer . In light of where the economy has been, we see gdp growth, consumers canceling their plans because gas prices wont be as high as it was in 2022 when we saw the 5 price, we will keep an eye on the middle east and opec policy, weve seen Us Oil Inventories continue to decline, that could push prices up a little more in the next couple months. All in all i think 2,020 was shaping up to be something more affordable than last year, a slowdown in growth, we could see more people opting to stay closer to home this summer. Neil i was thinking of the problems evs, when elon musk says it will be troublesome for a while and you have this correct in and out of talks that might apply for bankruptcy and all that, got to wonder if thats good for traditional fossil fuel powered cars, increasing demand, pushing up prices. How do you see that as a factor . Great question. Will weve been talking about the last two years in light of record high gasoline prices was how Many Americans are transitioning to evs. With gas more affordable than last year and is expecting more affordability this year compared to last year, we see the transition decelerating. Thats not a huge surprise. More americans according to gas buddy, a lot of americans are staunchly against buying and if he. They might be good for big city but you tend to take a summer road trips and it becomes more about planning. Neil i always knew you would gain weight. When you stop it takes a long time to fill things up and you get some food and i think people are getting ridiculously fat on these vehicles. I will continue to pursue that. Have a wonderful st. Patricks day weekend. Her run in with Bernie Sanders is the stuff of tv legend and it started with his plan to look at a 32 hour workweek and then it escalated. Reporter it did because senator sanders thinks that everybody should have a 3 day weekend every weekend which sounds kind of nice. He has this bill that proposes changing the 40 hour workweek to a 32 hour workweek and you still get the same paycheck, forcing businesses to pick up the tab and pay their workers not to work so i tried to ask how this would all work on top of Everything Else democrats are proposing businesses do. Let me ask you a question about that. It seems like democrats want businesses pay their workers more, lower prices, pay people not to work. What i would like to see reporter how are businesses going to survive that . How can businesses survivors proposals . Jeff baezas pace and effective tax rate lower than the average worker, we have a real problem in our tax system. Billionaires have to start paying their fair share of taxes. Reporter republican say this is into realistic proposal. They are accusing democrats floating this idea to churn out more support headed into november. I apologize if this hearing gives anyone false hope. Mandatory 3012 workweek is bad policy, not even democrats unanimously support this but it may give us an understanding where the Biden Administration is headed for a tough reelection. Reporter you must have some thoughts. He worked we 6 days a week, dont know what senator Bernie Sanders would have to say about that. Neil i wouldnt take him on like you did. That was broadcasting gold. I love it. Big plans, we will see how they turn out. Hillary vaughan on capitol hill. Mike rowe knows a thing and has devoted his life to recognizing the value of traditional skill jobs, people who get their hands dirty. We have a country and hes trying to save that. Good to see you. I didnt realize it was the same st. Patricks day show. Ive got green i could one. I could talk like that. Neil too much of a regal star. When i first heard it i thought a lot of people have been pushing a four day workweek, working 40 hours in four days and 5 days and then i discover it would still be 32 hours for 40 hours and that got a little sticky. What do you think . You are asking a guy who started the foundation you kindly referenced 16 years ago, work is not the enemy. Everything we have seen. Everything i have seen, granted, our brains tend to find what we tell it to look for but example after example after example of what our country and society is doing to vilify work. Work has become the proximate cause of all our pain, all our on fulfillment, our misery, you can see that by the fact that retirement is still the brass ring, the thing everybody is working toward. In my view the whole thing is upside down. I dont want to paint with too broad a brush but the senator is a great example. How old is he . Doesnt matter. He is still working. Neil you dont have to agree, he has been consistent on this. Is it catching on . Are you afraid it is catching on . Yeah. I am afraid, and we are not born with work ethic. If someone doesnt make a case for it, we are going to default to our default positions. We are like rivers trying to get to the ocean. When we ran to a mountain we go around it. If you want to make a case for work ethic we got a work ethic curriculum into a big public school. It has taken three years. We been taxed 5 million for the top people in that class to go to any trade school they want. Im not patting myself on the back for this but we need better examples of people who will cheerfully take hold of the thing and lift. It is not to say work is drudgery. We have to push back against the notion that the more work, the more miserable you are. Its antithetical to everything i believe and antithetical to everything that i think is logical on a micro and macro basis. Neil you go abroad and talk vocations and trades, electricians, those who are good at fixing cars, they are golden. Here, not so much. Why is that . Because we are in control of the definition of a good job. Theres a lot of stuff we cant control. We didnt have to take shop class out of high school but we did. The unintended consequences that have trickled down, i know that is a triggering word, but the unintended consequences of taking shop class, i can draw a Straight Line from that one. 7 trillion in Student Loans to 11 million open positions that dont require four years agree to the very ethos we are talking about right now. South korea, germany, switzerland, they have a Guild Systems that put all the options on the table early on and dont put their thumb on the scale, none of this is to say a four year degree is bad, just that it is expensive and it isnt the best path for the most people. Thats a lie we should stop. Neil to your credit, you are spreading that, you are trying to entice people to vocations and trades, my partner when i try to call him, you are waiting a while, when he does come, people scream things out first and he comes like the pope. We dont appreciate that. These are honored and valued positions, when we dont have them around we are in a world of hurt. I had the image of a plumber in my mind with a scepter like a plunger coming down the street. But it is. Look. Weve entered a new phase. Its no longer about oh no, the poor Plumbing Company doesnt have enough people to higher or kids, look at all the opportunity you can have been a plumber. The question is how long do you want to wait for one . My foundation has trained 2000 people. Many are plumbers, some are pipefitters and electricians. They are making 6 figures a year right now. They are living proof the stigmas and stereotypes and myths and misperceptions that keep kids out of these fields need to be debunked, shameless plug but weve got 1 million right now today, we are giving away in work ethic scholarships. Neil you do beautiful work for that. Youre not wearing green today, nor should you but so grateful to have your forgiveness. I look forward to talking to you at the next possible opportunity. Neil mike rowe following all this. Charlie gasparino is monitoring this back and forth, sort of like a trade war could be triggering right after this. Students. Students of any age, from anywhere. Using our technology to power different ways of learning. So when minds grow, opportunities follow. i got injured, um, my back got injured very bad. I was off work for about a year. Did physical therapy, did. You name it i did it. I heard about relief factor from my wife. She basically made me take it. Relief factor is a daily supplement, developed by doctors, to help your body fight pain naturally. It doesnt just mask pain, it helps reduce or even eliminate it. I took it every day, three times a day, for three weeks. Woke up, laying in bed, roll over and look at her and i said, the pain is gone. And she said, im glad it helped. I said, no, you dont understand. Its gone. See how relief factor can help you feel better every day. Call or go online to try it for yourself and get our 3week quickstart for just 19. 95. My wife making me take relief factor literally changed my life. When i was your age, we never had anything like this. My wife making me take relief factor what . Wifi . Wifi that works all over the house, even the basement. The basement. So i can finally throw that party. And invite shannon barnes. Dream do come true. Xfinity gives you reliable wifi with walltowall coverage on all your devices, even when everyone is online. Maybe well even get married one day. I wonder what i will be doing . Probably still living here with mom and dad. Fast reliable speeds right where you need them. Thats walltowall wifi on the xfinity 10g network. Municipal bonds dont usually get the Media Coverage the stock market does. In fact, most people dont find them all that exciting. But, if youre looking for the potential for consistent income thats federally taxfree. Now is an excellent time to consider Municipal Bonds from hennion walsh. If you have at least 10,000 to invest, call and talk with one of our bond specialists at 18002173217. Well send you our exclusive bond guide, free with details about how bonds can be an important part of your portfolio. Hennion walsh has specialized in fixed income and Growth Solutions for 30 years, and offers highquality Municipal Bonds from across the country. They provide the potential for regular income are federally taxfree and have historically low risk. Call today to request your free bond guide. 18002173217. Thats 18002173217. Adam the battle over tiktok, where the saga goes, we go to charlie gasparino. Charles my irish today, i think. I grope with irish students from the bronx. They were really irish. Irish feasts, cant remember. There was a whole thing and my dads union was heavily irish. The westys controlled it and my father worked for guys who i knew. I know a lot of irish people. Neil there is a kinship. The tiktok thing. Where is this . Charles wall street guys who are following this, this could be a big deal. Neil is at such a given . Charles all of tiktok is worth Something Like 200 billion. Low us the us thing is all over the place. The whole thing. A portion of that, 20 million, a huge deal. If we could do it. It is right there and that is one thing. Wall street is salivating. Talking to people like dan ives, dan gives it a 25 chance, he thinks of the senate will sit on it. Neil by could dance might not do it. Sends a bill to biden. Then its up to the chinese to say we will solve this thing and the secret sauce of our spyware. They dont do that anymore. Neil given the sheer lopsided vote in the house, Chuck Schumer wont have any choice. Charles with all these wall street folks. And there is a momentum building here and are we going to go back to arguing if they are stealing espionage for tiktok. This thing stalls, Chuck Schumer will ask why are you stalling it, that there is espionage. Neil china get so upset, leaves more trade friction, extends beyond the social Media Companies to the chip players because theres tension with china back and forth. Neil we have essentially deescalated our involvement in the chinese economy, not fully but because law is big there, they should be less big. They find other places. Ukraine, and and is tiktok or not . Todd neil my belief which is not backed up by dan ives, Chuck Schumer will sign it. The chinese give up the algorithm and at some point they are gone. Thats my view. Neil Steve Mnuchin is orchestrating this. Charles with microsoft. The committee has allowed the saudis to have a say in tiktok. Neil thank you. Charles he hasnt returned a call. Neil doesnt like you. Charles that is a guarantee. Neil have a wonderful st. Patricks day. Charles Saint Patrick was italian. He was italian. I had an irish friend whose father said, he said to me, and italian snakes out of anywhere. Neil thank you. Charlie gasparino on that. Count for sure will rescue us from all of that next. Were talking about cashbackin. Were talking about cashbackin. Were not talking about practice . No. Were talking about cashbackin. Were talking about cashbackin. Were talking about cashbackin. Not a game weve been talking about practice for too long. Word. No practice. Were talking about cashbackin. Were talking about cashbackin. I mean, were not talking about a game cashback like a pro with chase freedom unlimited. How do you cashback . Chase. Make more of whats yours. Adam i wonder what Kenneth Fisher does for of st. Patricks day. Despite being an investment genius, plugging his multibillionaire aspects, he is here, can fisher, good to see you, my friend. Always a pleasure to be here. Neil right back at you. These celebrate st. Patricks day . How do you feel about this holiday . I pray for luck, im not irish. I am all for luck. Green, depends what green you are talking about. Beauty is in the eyes of the beholder. I mostly try to take holidays one day at a time. Neil thats very profound. You have more than luck when it comes to investment success, you were way ahead of this market rally, still saying the rally continues. You heard people were getting concerned now. What do you say . I say the same stupid stuff but let me rattle through some stupidity. You dont need to be a genius to figure this out. Most people cant do it. When a bull market, i told you this before, gets 1yearold which this one did last october, they always, no exceptions, get a second birthday, thats next october. Why are people getting exercise now . Let me go a different direction. I told you this before. When the second year of a president s term is negative like 2022 was, a fourth year like 2,024 is has been positive, every single time no exception since the great depression. Neil can i ask about Technology Stocks . Magnificent seven, the false notion that everything is ending on the magnificent seven, disproportionately accounting for whats going on. You said cooler on that. But i want to ask about how vulnerable those tech stocks might be of things widen out with china. What do you think . I am a longterm china pessimist and i have written about that in one of my New York Post columns. China past the period of decent and see. I am concerned what happens with tech. I said recently that later this year we will see value stock leading to growth and the thing i look for most that would help, not up. Versus bear argument but value versus earth argument would be actually cutting of short rates, steepening the yield curve, increasing Bank Incentives to lend. Value stocks, if they get more lending they actually have more growth like capabilities and deepen the yield curve. Its not necessary for the bull market to go on. I thought that was stupid. But i do think rate cuts would help value stocks and we made the starting that right now. The market may be pricing. Lauren 1 if they are no rate cuts this year . Than i think bull market continues as it has. You dont need rate cuts. Ive been adamant on this point. Most of the rate hike we have seen, stocks have been up since then. If you look at when the fed started hiking rates are they didnt get going until may. By october you get the bull market going, halfway up the hike cycle and stocks, the rest of the hike cycle, stocks can rise, why do you need cuts to make stocks . When you look at the longterm history, there is no correlation between short or longterm rates doing anything in particular and stocks doing anything in particular. Neil you run a successful Investment Firm and i know your views on annuities, you are not superkeen on that. I talked to those who heard i was going to have you on, they remind me to say Something Like this, you know what the Interest Rate situation, you do well with annuities and he should stop saying nasty things about annuities. And you say . I saying if you like the annuity sales, want to put kids to harvard lauren 1s all right . People like the safety of income. They are saying in this environment where rates, its a possibility the fed cuts Interest Rates the rest of the year, they stay relatively high and you do pretty well in cds and savings accounts, annuities, it is good for you. You say . What i say is people never get this, an annuity is a contract. A complicated contract, the devil is in the details. Read the contract. If you dont fully understand the contract, dont do it and 98 of the people arent going to understand the contract, the sales guy is going to say it is this, this, and this. Not saying anything about it. The fact is read the contract. It is big and complicated. Theres a lot in there. It is in the sales guy to ask questions. Something you shouldnt do in the first place. Neil let me get your take on the election. Would it make a difference to you if next january 20th, President Biden or donald trump, theres always a possibility an outside event, my to be neither of those guys but between those we will do this before then. Neil for you as a market guy does it make sense . Everybody looks at everything in their own ideological lens, and thats wrong. The way it works, you can see this in market history pretty quietly, in the years when we elect a republican as president , markets tend to do above average, the inaugural year of republican president s to belowaverage. Democrats, markets tend to be belowaverage and in inaugural years do above average. Why . Its pretty simple, people dont get it. The perverse inverse. Why . Most people believe republicans are probusiness, less prone to be in favor of regulation. Maybe antibig government. So when they see a republican elected they get hopeful and find out in the inaugural year he is only a president , they cant do as much as you thought and they get disappointed. Of a democrat, is the reverse, they fear democrats can do all this terrible stuff, and bad as a democrat may be when he gets elected president , he cant do as much either and people are positively surprised because he isnt as terrible as they thought in the inaugural year. It doesnt change too much overall. It is a tiny matter. Neil donald trump said when he was looking at the market, that it was wall street getting excited about donald trump coming back. What do you say to that . I wouldnt go that person only. A lot of people including a huge amount of wall street was hoping the republican nominee would be somebody other than donald trump. The fact of the matter is, back to what i said a couple minutes ago, look at these two, the republican, the democrat or a theoretical they have the view that the republicans, more probusiness, antibig government, regulation, the other way around, those applied to trump and biden the same way. It will make the market more in favor of a good year this year with a tougher time in trumps inaugural if he wins. If biden wins which i dont think will happen, i think trump will win, if biden wins, i could be wrong about that you have a worse year this year and stronger inaugural year when people find out he cant do as much terrible as they feared he would do. Neil who am i to offer you advice but i think you should stick to this market, you showed great promise. I will keep practicing, keep trying and after that you will have me back sometime. Neil ken fisher of fisher investments, enormous success, reading history, getting it and the politics stuff, more after this. After advil lets dive in but. What about your back . Its fineeeeeeee [splash] before advil advil dual action fights pain two ways. Advil targets pain at the source, acetaminophen blocks pain signals. Advil dual action. Ive got to go. Ok. Bye. Mom thanks mom. Yeah. You were made to dream about it for years. We were made to help you book it in minutes. Businesses go further with 5g solutions. Thats why they choose tmobile for business. Pga of america and tmobile are partnering on 5gpowered analytics to help improve player performance. Tmobiles Network Helps aaa stay connected nationwide. To get their members back on the road. And Las Vegas Grand Prix chose tmobile to help fuel operations for one of the Worlds Largest racing events. Now is the time to see what americas largest 5g network can do for your business. She runs and plays like a puppy again. His 2s are perfect hes a brand new dog, all in less than a year. When people switch their dogs food from kibble to the farmers dog, they often say that it feels like magic. But theres no magic involved. dog bark its simply fresh meat and vegetables, with all the nutrients dogs need instead of dried pellets. Just food made for the health of dogs. Delivered in packs portioned for your dog. Its amazing what real food can do. vo what does it mean to be rich . Maybe rich is less about reaching a magic number. And more about discovering magic. Rich is being able to keep your loved ones close. And also send them away. Rich is living life your way. And having someone who can help you get there. The key to being rich is knowing what counts. Neil what if there are no rate cuts this year . I think the bull market continues as it has. I dont think you need rate cuts. Ive been adamant on this. Most rate hike that we have seen, stocks have been up since then. Neil i want to explore that with gary counkaltbaum. Whether the fed cuts rates or not, he doesnt seem to be looking at that as a possibility but likes the market. What do you think . Gary i have been one note. I dont care what the fed does right now. They are behind. If the 10 year yield backs up toward 5 the market will have problems again. If the oil market starts rising, Oil Prices Start a little bit ago, the market will have some problems. There is no bigger head wind than Higher Oil Prices and higher yields but so far so good. Right now we are having a correction and a pool and a pullback in the vertical Technology Stocks which is fine and dandy for now. Dont think it turns into anything worse, and other areas coming on now so i dont think the end of the world is here and i hope Mister Fisher is right. I never argue with billionaires. Neil let me ask about the Technology Part of it. I wonder whether china and the friction over tiktok, how it sucks in the social media stocks and Everything Else but what if it gets meaner and goes on longer and all of a sudden affects companies that have ample exposure still, and not as much in the future . Apple is pulling back from the region but desperately needs china. You could argue nvidia the same way wants to expand. What about that fear . Nothing more affairs good trade friction. We found out the first six years, apple and iphone down 24 . We have a lot of businesses doing a lot of business there and there are 1. 4 billion people to go after them in china. The powers that be right here need to think twice. Theres this tiktok thing going on, these leaders are great negotiators, great talkers. Xi is a tough guy is a communist but they have to realize the business of business is business and try to figure things out and lower the temperature at this time because it only hurt us in the long run. Neil you mentioned the magnificent seven. I dont know if you decouple that but tesla is the lowest it has been in ten months and there is growing concern that it cant fight this tape here. The notion that they are running into head winds. Elon musk conceding sales dont look good. Fisk automotive on the brink of bankruptcy. This is not looking good. What do you say . When demand drops you lower prices and there goes your margins, your profits and there goes your stock prices. That is what is happening, the whole industry, everybody overdid it, you have everybody pulling back. Hurts will no longer sell rent evs, ford is backing away, seems like hybrid may be the way to go and tesla has to figure things out. They have space x which is gargantuan, Getting Better and better by the day. Hopefully this works out in the end. It is a demand situation, they forced it on people and a lot of people like their gas guzzlers as they call him. Them. Lauren 20 that does seem to be the case. There is some good news out there. Mortgage rates slide toward the second consecutive week. Its been a bit of a turnaround. Whether that gets real estate boom going on is anyones guess. The redfin ceo is next. As a fiduciary, i promise to put your interests first, always. I promise that our relationship will go well beyond just investment decisions. Its the intersection of your money and your life where we can make the biggest difference. [announcer] Charles Schwab is proud to support the independent Financial Advisors who are passionately dedicated to helping people achieve their financial goals. Visit findyourindependentadvisor. Com vo sail through the heart of historic cities and unforgettable scenery with viking. Unpack once, and get closer to iconic landmarks, local life, and cultural treasures. Because when you experience europe on a viking longship, youll spend less time getting there and more time being there. Viking. 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And we could all unexperience this whole session. Okay, thats uncalled for. I suffer with Psoriatic Arthritis and psoriasis. I was on a journey for a really long time to find some relief. Cosentyx works for me. Cosentyx helps real people get real relief from the symptoms of Psoriatic Arthritis or psoriasis. Serious allergic reactions, severe skin reactions that look like eczema, and an increased risk of infections, some fatal, have occurred. Tell your doctor if you have an infection or symptoms, had a vaccine or plan to or if ibd symptoms develop or worsen. I move so much better because of cosentyx. Ask your rheumatologist about cosentyx. I suffer with Psoriatic Arthritis and psoriasis. I was on a journey for a really long time to find some relief. Cosentyx works for me. Cosentyx helps real people get real relief from the symptoms of Psoriatic Arthritis or psoriasis. Serious allergic reactions, severe skin reactions that look like eczema, and an increased risk of infections, some fatal, have occurred. Tell your doctor if you have an infection or symptoms, had a vaccine or plan to or if ibd symptoms develop or worsen. I move so much better because of cosentyx. Ask your rheumatologist about cosentyx. Neil two weeks do not a trend right because weve seen Mortgage Rates in and out of 5 week lows. How long it lasted the impact it has on those trying to buy or sell their homes, good to have you back. Great to be here. Thanks for having me. Edward let me ask about the rate situation. We get under 7 or little more under 7 , you at least see more people refinancing get or looking to put applications to that extent. What do you make of what is going on now . Its a volatile situation so there is still Inflationary Pressure in the economy. The likelihood of a cut has come down. Rates have been sticky. I dont think we will see significant refinancing. The market for purchases has been better driven in part by the fact that people were putting off their homebuying plans for so long, largely a 26 increase in listings. As long as i can remember. Neil what is the most promising part of the country right now in terms of this . Its promising the west coast markets are making a comeback. So many people are leaving washington state, california, oregon. Some are going back because amazon and other major employers are no longer allowing work. Thats probably the first promising trend. I have been concerned these smaller markets boomed and going through a bust. Austin, texas is a good example of so many people trying to move there, such a small town. It went crazy. That the place of that has been hit the hardest. Neil thinking about florida dealing with tax advantages, the pellmell rush to get down there and property valuations a sword, real estate taxes, Condo Association fees, people looking and saying i made a wrong move. What do you make of that . Plenty of people want to move to the sunbelt, to lower tax states, that the longterm trend that isnt going to reverse anytime soon but one factor affecting it is insurance that has gotten harder to ensure properties in places where hurricanes or wildfires, we have so many buyers trying to borrow money, it was a theoretical issue tour 3 years ago, now it is really real and very hard to find any insurer for certain types of properties in places like florida. Neil ken fisher thinks theres a good possibility they do not ease rates at all this year. There are others saying there are reasons for the fed to hold off. If it does not cut, then what . The market will be bad but not as bad as it was in the second half of 2,023. Buyers coming into the market know what they are getting into. The people who started their homebuying process in january or february 2023, Interest Rates, they didnt know how far the money would go and then they pulled out, this year people coming into the market, they seem to be more willing to go with the sales. If rates dont come down, it would be better than it was in the second half of last year. Neil we shall see. The ceo of all of that after this. bobby my store and my Design Business . Were exploding. But my old internet, was not letting me run the show. So, we switched to Verizon Business internet. They have business grade internet, nationwide. vo make the switch. Its your business. Its your verizon. Rsv is out there. For those 60 years and older protect against rsv with arexvy. Arexvy is a vaccine used to prevent lower respiratory disease from rsv in people 60 years and older. Arexvy does not protect everyone and is not for those with severe allergic reactions to its ingredients. 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