Oct 6, 2025
On this episode of The Rate Guy we explore the private data sources around the job market and what they might mean in the absence of official government statistics. We also talk about projected rate cuts and when they will likely happen.
For those of you that want to read along with the stats here is the link to the...
Jul 27, 2025
We take one week off and everything goes haywire. What in the world?!
This week on The Rate Guy, we’re unpacking the chaos of last week, previewing a data-heavy week ahead, and digging into how markets and rates might respond.
Also, a heartfelt RIP to the icons we lost. Our childhood nostalgia definitely took a...
Nov 25, 2024
On this episode of The Rate Guy we draw a parallel between our family’s driving mishaps and the Fed’s approach to monetary policy. With inflation cooling and jobs slowing, the Fed is cautiously navigating an economic intersection, but are they pressing the brakes too hard—or not enough? Tune in to hear what’s...
Apr 29, 2024
Happy 15 years to Pensford! On this episode of The Rate Guy we take a walk down memory lane with JP. Hearing about the times he thought Pensford was going under, where the name comes from, our competitors and most importantly our team.
If you want to skip the story and get straight to the FOMC meeting, inflation and...
Feb 27, 2023
On this short and sweet episode of The Rate Guy we discuss what Friday’s Core PCE report did to rate hike odds, what The Fed is doing to manage expectations, and the effects on Caps and the 10T. Our Webinar is this Thursday! Here is the link to register to attend the Pensford quarterly markets and interest rate update...