The Fed just raised interest rates—what it means for your money

Here's what will get more expensive.

VIEW IN BROWSER | SUBSCRIBE WED, FEB 1, 2023 This week's newsletter was written by Mike Winters, a reporter covering money and real estate for CNBC Make It. You can follow him on Twitter @MikeWintrs.   The Federal Reserve raised the federal funds rate by 25 basis points Wednesday, further increasing how much you'll likely pay for mortgages, auto financing, credit cards and loans.   With its eighth consecutive hike, the federal funds rate — which influences the interest rates banks charge — has been raised to a range of 4.5% to 4.75%. That's the highest it's been since 2007.   This means that monthly costs for new or variable-rate mortgages will rise a bit more, after doubling last year due to a series of rate increases. Interest on credit cards will likely climb from 19% to 20%. While the amounts will vary, costs for auto financing and personal loans will rise slightly as well.   "The impact of a single, quarter-point interest rate hike is pretty minimal, but when we look at the cumulative effect of rate increases, the impact on households becomes clear," says Bankrate chief financial analyst Greg McBride.   "Credit card interest rates have reached record highs, rates on home equity lines of credit have nearly doubled in the past year, and the doubling of mortgage rates brought the housing market from red hot to ice cold in the span of a few months," McBride adds.   Interest rate hikes are meant to reduce inflation by making the costs of borrowing more expensive, but they also slow economic growth, which can lead to a recession. A recent poll of economists puts the chance of a recession in 2023 at 61%.   The rate of inflation has dropped from its year-over-year June peak of 9.1% to 6.5% in December 2022, which is still well above the Fed's benchmark target of 2%.   For that reason, Federal Reserve Chair Jerome Powell reaffirmed his commitment to keeping interest rates elevated until inflation is further tamed.    Check out the full story on CNBC Make It. Trending articles from CNBC Make It Here's how much money you'd have if you invested $1,000 into McDonald's 10 years ago Early retiree says breaking these 6 'society rules' helped him save $1 million: 'I wasn't born rich' Netflix's password sharing crackdown is coming: What we know so far about how it will work The Fed just raised interest rates 25 basis points—why they'll stay high and what it means for your money 'Because I said so' isn't enough: Kids find some excuses more understandable than others, new study finds Unsubscribe Manage Newsletters Digital Products Join the CNBC Panel Feedback Terms of Service Privacy Policy   © 2021 CNBC LLC. All rights reserved. A property of NBC Universal. 900 Sylvan Avenue, Englewood Cliffs, NJ 07632 Data is a real-time snapshot *Data is delayed at least 15 minutes. Global Business and Financial News, Stock Quotes and Market Data and Analysis. Data also provided by THOMSON REUTERS

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Julien, a 17-year-old high school student, deploys all his charms to conquer Nathalie.

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The firm also expects crypto adoption to increase further and mentions chains and NFTs might go in a new direction in 2023.  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

	Open in app or online M31 Capital bullish on BTC price, adoption in 2023 predictions The firm also expects crypto adoption to increase further and mentions chains and NFTs might go in a new direction in 2023. Feb 1   Save ▷  Listen   Happy Wednesday! The global crypto market cap is $1.04 trillion with a 24-hour volume of $43.14 billion. The price of Bitcoin is $22,988.57 and BTC market dominance is 42.6%. The price of Ethereum is $1,574.49 and ETH market dominance is 18.5%. The best performing cryptoasset sector is Cannabis, which gained 6%. Latest News M31 Capital bullish on BTC price, adoption in 2023 predictions The firm also expects crypto adoption to increase further and mentions chains and NFTs might go in a new direction in 2023. 2 min read → BNB chain introduces new web3 storage product ‘BNB Greenfield’ The storage system will use BNB as its native token and will become the third blockchain in the BNB ecosystem that already comprises of BNB Beacon Chain and BNB Smart Chain. 1 min read→ ApeCoin’s on-chain metrics point to local top following 78% climb over 6 weeks – Santiment On-chain analysis of ApeCoin's active addresses, network growth, whale behavior may indicate that a local top is in, according to Santiment. 2 min read → CoinShares CEO says lack of political will hindering US regulatory landscape Jean-Marie Mognetti wants clarity on which agency should take the lead in crypto regulation. 2 min read → HSBC seeking new product director to steer tokenization efforts The move comes despite HSBC CEO Noel Quinn's recent warning about the dangers of crypto. 1 min read → Decentralized social network Nostr launches mobile app ‘Damus’ Twitter co-founder Jack Dorsey said Damus' launch is a "milestone for open protocols." 1 min read → Shredded Apes LP drained, 78M tokens liquidated Roughly 78 million WHEY tokens have been drained from the Shredded Apes royalties wallet in a breach. 1 min read → CryptoSlate Daily wMarket Update: Market sentiment green in anticipation of Fed rate hike The wMarket Update condenses the most important price movements in the crypto markets over the reporting period, published 07:45 ET on weekdays. 3 min read → FTX Group interim financial update contradicts court filing, shows exchange had $1.43B in cash Roughly 40% of FTX Group employees have been cut since the end of 2022 as administrators continue to sift through bankruptcy aftermath. 1 min read → Celsius publishes eligible users’ list for withdrawals The crypto lender emphasized that eligible users must update their accounts with certain information before any withdrawals can be processed. 1 min read → $588M worth of unlocks scheduled for February 17 projects, including 1inch, Tornado Cash, Moonbeam, ApeCoin and Aptos will unlock a portion of their tokens throughout the month. 2 min read → Market Data + News 🗞 Top Crypto News + Movers 🌚 Cryptocurrency Rankings 📈 Biggest Gainers - 24h 📉 Biggest Losers - 24h 🆕 Recently Added Coins Top Crypto Sectors 🚜 DeFi Tokens 🧠 AI Tokens 🕸 DEX Coins 💵 Stablecoins ⚛️ Cosmos Ecosystem 👨🏻‍🌾 Yield Farming Coins 🖼 NFT Coins 🔮 Oracle Tokens Connect Twitter Telegram YouTube   Like Comment Share   Read CryptoSlate in the app Listen to posts, join subscriber chats, and never miss an update from CryptoSlate. © 2023 Zenzio Incorporated 11010 Harbor Hill Dr NW, STE B405, Gig Harbor, WA 98332 Unsubscribe

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