Blog, YouTube & Content Monetization

Want more housing market stories from Lance Lambert’s ResiClub in your inbox? Subscribe to the ResiClub newsletter. Heading into the fall last year, the average 30-year fixed mortgage rate slipped to a low of 6.07% by September 17, 2024, as the market reacted to weaker-than-expected labor market data. At that point, there was a noticeable upswing in refinances as some 2022–2024 borrowers took the opportunity to get payment relief. However, it was short-lived and quickly fizzled out once labor market data tightened a bit and mortgage rates popped back up. Fast-forward to September 2025, and we’re once again seeing a mini “refi boomlet.” Similar to early las…

Starting next week on Tuesday, September 30, the Social Security Administration (SSA) will no longer issue paper checks for benefit payments, and instead move exclusively to electronic payments: either direct deposit or a pre-paid debit card. The change is part of a broader government-wide initiative to modernize its services and improve efficiency and security, to ensure some 70 million Americans receive their monthly benefits promptly. However, this could mean trouble for some older Americans who do not know how to set up direct deposit or will have trouble using a pre-paid debit card. In March, President The President issued Executive Order 14247, which man…

I think these hiring managers are playing in my face. I’ve been on the hunt for a new gig for a large chunk of this year, and it feels like I’ve seen it all. I’ve watched some appealing job listings be pulled down within hours, while others sit stagnantly for months. I’ve heard tales of scammers trying to dupe job seekers; legit employers advertising phantom roles to collect talent data and present an illusion of company growth. These days, the job market is feeling like the wild wild west out here — and there’s no catchy Will Smith bop to dance along to. Navigating that treachery is hard enough. But I’ve managed on a few occasions to escape the black hole of applicati…

Electronic Arts has announced plans to go private in what will be the largest leveraged buyout in history. The $55 billion purchase of the entertainment giant behind franchises that include Madden NFL and Battlefield is set to close in the first quarter of fiscal year 2027. Saudi Arabia’s Public Investment Fund (PIF) will be, by far, the majority investor in EA, one of the largest third-party publishers of video games. Silver Lake and Affinity Partners (whose CEO is Donald The President’s son-in-law Jared Kushner) will own minority interests. CEO Andrew Wilson will continue to head EA. The all-cash deal calls for a buyout of EA stock at a price of $210 per share. …

Every holiday season feels high stakes, but 2025 may be the most unforgiving yet. Consumer demand remains resilient, but retailers are facing a tangle of economic headwinds, from tariffs and supply chain volatility to rising ad costs and leaner teams. In an uncertain economy, the margin for error shrinks, and the cost of a slow site or a fragile storefront grows even steeper. For years, retailers have measured holiday readiness by promotions, inventory planning, and staffing strategies. But there’s a blind spot: performance readiness. How fast, resilient, and visible your digital storefront is when shoppers show up can determine whether you hit your holiday forecast o…

If you handle hiring, generic AI-generated cover letters are probably a familiar foe by now. Nearly two-thirds of job seekers are using AI to help craft their applications. It’s understandable. In a world where some job seekers are having to send up to 50 applications to land a role, tools like ChatGPT enable them to cast their net wide and increase their chances. But this spray-and-pray approach to job hunting is a headache for hiring managers. It’s driving the volume of applications up and the quality down, making it harder to spot great candidates. The natural knee-jerk reaction from HR is to start playing a game of “I spy AI.” If we can just root out the …

Last month, more than 450 artists designed a custom sticker to support Zohran Mamdani’s New York City mayoral campaign—and, pretty soon, you’re going to be seeing the winning design everywhere. On September 25, Mamdani’s campaign announced through an Instagram video that it would be hosting a sticker design contest to get New Yorkers registered to vote before the October 25 deadline. The competition gave followers just 36 hours to submit their designs, during which hundreds of pieces of art flooded the campaigns’ submission portal. Now that a winner has been selected, anyone who is registered can submit a form on Mamdani’s website and pick up the sticker at one of Mam…

With foot traffic down and Target’s stock still slumping, Taylor Swift’s new album release might be the shot in the arm the retailer needs. Target may be in the crosshairs of the culture wars, but the brand’s relationship with Taylor Swift still stands in 2025. The release of “The Life of a Showgirl” again brings a suite of special editions to Target as exclusives, luring Swifties to spread their cash around to pick up their favorite variants. But between the retailer’s faltering reputation and a smorgasbord of album options, will Swifties take their business elsewhere? Target’s very bad 2025 In January, Target announced that it would abandon longstanding initiatives t…

Democrats believe health care is an issue that resonates with a majority of Americans as they demand an extension of subsidies in exchange for their votes to reopen the shuttered U.S. government. But it is also one of the most intractable issues in Congress — and a real compromise amid the government shutdown will not likely be easy, or quick. There are some Republicans in Congress who want to extend the higher subsidies, which were first put in place in 2021 amid the COVID-19 pandemic, as millions of people who receive their insurance through the Affordable Care Act marketplaces are set to receive notices that their premiums will increase at the beginning of the year. B…

A new study out Wednesday in the journal Nature from the University of California, Berkeley found that women are systematically presented as younger than men online and by artificial intelligence—based on an analysis of 1.4 million online images and videos, plus nine large language models trained on billions of words. Researchers looked at content from Google, Wikipedia, IMDb, Flickr, and YouTube, and major large language models including GPT2, and found women consistently appeared younger than men across 3,495 occupational and social categories. (Note: It’s possible that filters on videos and women’s makeup may be adding to this age-related gender bias in visual cont…

“How did you get to where you are in your career?” My interest in this question dates back 45 years to when I was an MBA student at Northwestern University’s Kellogg School of Management. Whenever corporate executives were guest speakers at our classes, I would listen intently as they described what contributed to their career advancement. In the same vein, as I speak with leaders today, I always make a point of asking them what they consider to be the main drivers of their success. Over more than four decades, the two most common responses are: (1) “I worked hard” and (2) “I have several unique skill sets.” As I look back on my corporate career, including as chai…

With no end in sight to the political impasse in Washington that has shut down the government, the U.S. IPO market is expected to experience a significant slowdown just as it was beginning to show signs of life again. Some companies are nevertheless forging ahead with their listings. Phoenix Education Partners, parent company of the for-profit University of Phoenix, which announced its IPO plans one day before the shutdown began, said on Wednesday that it has priced its shares at $32. That’s the midpoint of its earlier targeted range of between $31 and $33 a share. The company intends to list on the New York Stock Exchange (NYSE) under the “PXED” ticker sy…

Abu Dhabi carrier Etihad said Friday it is launching flights to Kabul, making it the latest airline to offer direct routes to the Afghan capital. Etihad, which announced a record $476 million profit in 2024, said the new service responded to “growing demand” for travel between the United Arab Emirates and Afghanistan and that the three weekly flights starting in December would support “trade, travel, and community ties.” “The UAE hosts one of the largest Afghan communities in the Gulf, with around 300,000 Afghans living and working in the country, according to the Afghan Business Council,” the airline said in a statement. “The new flights will further strengthen these e…

Connecting with Gen Z is crucial for brands, especially as teens and twenty-somethings gain spending power and influence. But doing so can be a bit of an art. That’s why a new crop of companies are offering “translation” services for brands that want to speak Gen Z’s language and, as they say, get “locked in.” While many Gen Z translation businesses are still in their infancy, the Wall Street Journal reported that it already represents a multi-million-dollar industry. Some analysts estimate that Gen Z’s spending power is set to grow to $12.6 trillion by 2030, up from $9.8 trillion in 2024, according to the Journal. At the same time, Gen Z is far more digitally n…

Every year, new productivity hacks promise to save us from burnout, inefficiency, and disconnection at work. We reorganize calendars, color-code to-do lists, and install apps that track keystrokes and hours. And yet, despite all the hacks, employees are exhausted, disengaged, and creatively stuck. What if the problem isn’t that we need more productivity tools—but that we need more play? That’s not a metaphor. I mean literal play. The kind that is open-ended, imaginative, and unconcerned with outcomes. In my decades as a play designer and educator, I’ve watched executives, engineers, and designers from companies like Google, Nike, and Lego light up when they are gi…

Want more housing market stories from Lance Lambert’s ResiClub in your inbox? Subscribe to the ResiClub newsletter. A recent Zillow analysis suggests it would take a drop of more than one percentage point—to 4.43%—for the median-income U.S. homebuyer to comfortably afford the median-priced U.S. home. And that assumes a 20% down payment, which many first-time buyers are unable to make. Even more striking, in several high-cost coastal metros, not even a 0% mortgage rate would make the median-priced local home affordable for a household earning the local median income. This includes New York, Los Angeles, Miami, San Francisco, San Diego, and San Jose, where taxes, in…

When companies undergo a major change, such as a CEO transition, reorganization, merger, or acquisition, most leaders default to one well-worn instinct: control the message. Lock down talking points. Tighten the language. Make it polished and official. In working with executive teams across industries, from tech to retail, we’ve seen time and again that simply trying to control the message isn’t enough. In fact, it often has the opposite effect, creating more confusion and mistrust than clarity. Because in every high-stakes moment, your audience—employees, customers, investors—is asking the same unspoken question: “What’s in it for me?” And if you’re not answe…