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How DEI Investing Has Changed Under Trump

How DEI Investing Has Changed Under Trump

While companies such as Target have blamed DEI backlash for lower sales, others, such as Costco , are seeing boosts to foot traffic. So how can companies' DEI commitments affect investors with a socially conscious approach to investing?
In this bonus episode of WSJ's Take On the Week, we are joined by Rachel Robasciotti, founder of investment firm Adasina Social Capital. She discusses the importance of diversity and inclusion efforts, particularly in light of the Trump administration's crackdown. 🎧 Listen to the podcast here, or watch the video above.

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Your Kids' Homework Just Found a New Best Friend—This HP Printer Is 22% Off
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Your Kids' Homework Just Found a New Best Friend—This HP Printer Is 22% Off

This site may earn affiliate commissions from the links on this page. Terms of use(Opens in a new window) . We all have that moment when we need to print something urgently and realize we've basically been living in a paperless fantasy. The HP DeskJet 2855e is here to fix that. It's compact, wireless, easy to set up, and right now, it's just $69.99, a clean 22% off its usual price. Honestly, it's one of those home upgrades that quietly saves your sanity over and over. This printer keeps things simple in the best way. You get crisp color and black-and-white prints without fussing with complicated drivers or connections. It plays nice with all your devices through wireless printing and has an app that actually works, so you can hit print from your phone and move on with your day. Also, the scanner and copier are built in and super easy to use, so you're not jumping between machines just to scan a single receipt. Beyond the basics, the HP DeskJet 2855e quietly handles the kind of annoying tasks that usually trip up cheap printers. It has a surprisingly fast wake-up time from sleep mode and doesn't waste ink like a drama queen every time you turn it on. The included HP+ features even unlock cloud-based printing and security updates, which is a fancy way of saying it stays useful long after the honeymoon phase ends. And because nobody wants to think about ink until it's already too late, this printer comes with three free months of Instant Ink, which automatically sends you new cartridges before you run out. You'll also love that it works just as easily with Chromebooks and tablets as it does with laptops and desktops. For something that sits quietly in the corner, this thing is more of a team player than half the people on your group project. At $69.99, the HP DeskJet 2855e feels less like a tech purchase and more like a minor life hack. And with that 22% savings, you might even feel oddly responsible for once.

This 50-Inch 4K Smart TV With Alexa Included Is 40% Off, No Need to Wait for Prime Day
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This 50-Inch 4K Smart TV With Alexa Included Is 40% Off, No Need to Wait for Prime Day

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Mortgage Rates Today, June 20, 2025: 30-Year Rates Drop to 6.82%
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Mortgage Rates Today, June 20, 2025: 30-Year Rates Drop to 6.82%

Mortgage rates are down and still under 7%. Today's national average on a 30-year fixed-rate mortgage is 6.82%, according to Bankrate. If you choose a 15-year fixed-rate mortgage, the average rate is 6.00%. Interest rates for new mortgages and refinances continue to hover near 7%, contributing to a stifling summer for the economy. The labor market appears to have stalled, with many companies opting not to fill open positions. At the same time, rising costs have put pressure on consumer spending, contributing to a weak real estate market during the spring and summer. These risks have many business owners hunkering down for an uneasy few months ahead. The economic uncertainty has some analysts making the case that it's time for the Fed to cut interest rates, but Fed officials kept rates unchanged at their June meeting. The policymakers held the federal-funds rate to a range of 4.25% to 4.50%, but indicated that rate cuts might be possible later in the year. 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Term Today's average mortgage rate Last week's average mortgage rate Average mortgage rate change 30-year fixed 6.82% 6.87% -0.05% 15-year fixed 6.00% 6.04% -0.04% 5/1 ARM 6.15% 6.26% -0.11 30-year fixed jumbo 6.89% 6.92% -0.03 Source: Data reflects interest rates, not APRs. Term Today's average mortgage rate Last week's average mortgage rate Average mortgage rate change 30-year fixed 6.79% 6.83% -0.04% 15-year fixed 6.11% 6.14% -0.03% 30-year fixed jumbo 6.77% 6.69% -0.08% Source: Data reflects interest rates, not APRs. During the last three years, mortgage rates have been on the rise. In early 2022, the average 30-year fixed rate was 4.72% and the 15-year fixed rate was 3.91%. Rates reached a recent peak in late 2023 at 7.79% for 30-year fixed-rate mortgages and 7.03% for 15-year fixed-rate mortgages. Since then, rates have fallen as far as 6.08% (30-year fixed) and 5.15% (15-year fixed), but then began moving higher again. While these rates represent relatively recent heights for mortgage rates, average 30-year rates peaked above 16% in the early 1980s. The lowest-ever 30-year fixed rate, slightly below 3%, appeared in 2021. Today's mortgage rates are influenced by economic and market conditions, as well as personal factors. The rate you're quoted by a lender might be higher or lower than the national average. Here are some of the items considered when calculating your mortgage rate: 10-year Treasury yield: Current mortgage rates, especially on a 30-year fixed-rate mortgage, are related to movements in the 10-year Treasury yield. Current mortgage rates, especially on a 30-year fixed-rate mortgage, are related to movements in the 10-year Treasury yield. Mortgage-backed securities: The rate investors earn on mortgage-backed securities also plays a role. Spreads between mortgage-backed securities and Treasury yields, as well as between what lenders offer borrowers and mortgage-backed security rates, impact current mortgage rates. The rate investors earn on mortgage-backed securities also plays a role. Spreads between mortgage-backed securities and Treasury yields, as well as between what lenders offer borrowers and mortgage-backed security rates, impact current mortgage rates. Investor sentiment: Perceptions about fiscal policy and economic conditions can affect how Treasuries move, as well as how much risk lenders feel comfortable taking on. Perceptions about fiscal policy and economic conditions can affect how Treasuries move, as well as how much risk lenders feel comfortable taking on. Personal credit history: The information in your credit report and your credit score influence your mortgage rate quote. The information in your credit report and your credit score influence your mortgage rate quote. Income: Lenders look at your income relative to your potential mortgage payment and other debts you have. If it appears you can handle your mortgage payments with relative ease, they feel more comfortable lending you money. Lenders look at your income relative to your potential mortgage payment and other debts you have. If it appears you can handle your mortgage payments with relative ease, they feel more comfortable lending you money. Down payment: Your mortgage rate might be lower if you make a larger down payment; often, the best results are when you put at least 20% down. Your mortgage rate might be lower if you make a larger down payment; often, the best results are when you put at least 20% down. Points paid: Mortgage points, also known as discount points, are fees paid upfront as a way to directly reduce your rate and lower your monthly payments. Each point, which represents 1% of your loan amount, can potentially reduce your rate by up to 0.25 percentage points. Mortgage points, also known as discount points, are fees paid upfront as a way to directly reduce your rate and lower your monthly payments. Each point, which represents 1% of your loan amount, can potentially reduce your rate by up to 0.25 percentage points. Loan term: A 15-year mortgage rate is usually lower than a 30-year rate. By choosing a shorter term, you might be able to get a lower interest rate, but your monthly payment might be higher. How to choose the right mortgage for your financial goals When considering a mortgage, review your financial situation and goals. Often, 30-year fixed-rate mortgages are chosen because they spread a large payment over a longer period of time, making monthly payments more affordable. Even though the loan costs more overall, it might be more affordable on a day-to-day basis. If your main concern is becoming debt-free sooner while paying less interest and you can afford a higher monthly payment, a shorter-term loan might make sense. Let's say you get a $350,000 loan. Here's what you might pay with different mortgage terms: 30-year loan (6.97%): Monthly payment of $2,321.51 and total interest amount of $485,744.05 Monthly payment of $2,321.51 and total interest amount of $485,744.05 20-year loan (6.74%): Monthly payment of $2,659.19 and total interest amount of $288,206.46 Monthly payment of $2,659.19 and total interest amount of $288,206.46 15-year loan (6.20%): Monthly payment of $2,991.45 and total interest amount of $188,461.10 Monthly payment of $2,991.45 and total interest amount of $188,461.10 10-year loan (6.16%): Monthly payment of $3,913.90 and total interest amount of $119,667.88 These scenarios don't include other costs, like insurance and property taxes, that you might also be subject to. It's important to consider those costs as well. For example, you might think you can afford the payments on a 20-year or 15-year mortgage, but once you add in other homeownership costs, your budget might feel tight. Don't forget other homeownership costs that might impact your monthly budget, including maintenance, repairs, utilities and other expenses that might be higher once you move into a house. When choosing a mortgage, the principal and interest payments aren't the only considerations. One strategy might be to choose a longer loan, but make extra payments to pay down the debt faster and reduce the amount of interest you pay. With this approach, you can choose to pay extra each month, but if you need to cut back due to emergency, you can revert to the required lower monthly payment with a lower risk of not being able to meet the obligation. If you lock into a shorter loan term with a higher payment, you can't scale back payments later without risking the loss of the home.

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