Scott D. Horner Financial Planner w/First Allied Securities

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This is my business page. I am a Financial Advisor with First Allied Securities Member FINRA/SIPC [www.finra.org/www.sipc.org].

• Securities offered through First Allied Securities, Inc., A Registered Broker/Dealer. Advisory services offered through First Allied Advisory Services, Inc. A Registered Investment Adviser.
• All third party posts are the responsibility of their respective authors. These opinions and information are subject to change at any time without notice or obligation of notification. The information is intended for informational purposes only and is not intended to provide tax, legal or investment advice.

10/16/2026

🏠 Homebuyers are stepping back as mortgage rates climb higher, fast.

Total mortgage application volume fell 4.1% last week, according to the Mortgage Bankers Association. Applications for a home purchase were down 1% for the week and 19% lower than the same week a year ago.

Refinance applications felt it even more, dropping 9% for the week and sitting 65% below year-ago levels.

The average rate on a 30-year fixed mortgage climbed to 6.97% last week, and by Tuesday it had moved even higher, to 7.22%, according to Mortgage News Daily. That's nearly a full percentage point above where rates sat a year ago.

🔑 Rates aren't the only pressure buyers are weighing. Home prices remain elevated in many areas, and while more homes have come on the market, much of that added supply sits at the higher end.

For many households, higher borrowing costs paired with higher prices are making the buy-or-wait decision a harder one to call.

This is exactly the kind of shift worth walking through together, especially if a purchase or refinance has been somewhere on your radar.

Source:

Mortgage rates have surged to the highest level since the start of 2025, causing a major pullback in mortgage demand.

10/15/2026

🏢 Warren Buffett has stepped down as chairman of Berkshire Hathaway, marking the end of another chapter in one of the most closely watched leadership transitions in corporate America.

His son, Howard Buffett, has assumed the role of chairman, while Greg Abel continues as CEO. Warren Buffett will remain on Berkshire’s board as chairman emeritus and continue offering his perspective to the company.

The change completes a succession process that has been years in the making. Howard Buffett has served on Berkshire’s board for more than three decades, while Abel took over as CEO earlier this year.

📌 For Berkshire, the transition now shifts attention to how the company preserves its culture and long-term approach to running the business while operating under a new generation of leadership.

Source:

The legendary investor, whose son Howard succeeds him as chairman, will remain on the board and become chairman emeritus.

10/14/2026

Read the latest issue of Retire Wise here:

October marks Cybersecurity Awareness Month, and for retirees and near-retirees, that awareness matters more than most people realize. Scammers increasingly…

10/12/2026

Inflation is back in the spotlight as the Fed prepares for its next meeting. This week's CPI and PPI reports are expected to tell two different stories: higher headline inflation driven by rising energy prices, but potentially softer core inflation beneath the surface.
Join CIO Gene Goldman on this week's episode of as he breaks down what the latest inflation data could mean for Fed policy, interest rates, and the path forward for markets.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

10/09/2026

🌕 Somewhere on the Moon, there's a crater that wasn't there two years ago, and it's the biggest one scientists have ever caught forming in real time.

A NASA researcher spotted it during what started as a routine check of lunar images. After comparing old and new photos, he realized he'd found the largest newly formed crater ever recorded anywhere in the solar system. It's now officially named McGetchin, after a pioneering lunar scientist, and it was carved out sometime between April and May of 2024, when a comet or asteroid roughly the size of a five-story building slammed into the surface.

The crater stretches about 728 feet across, roughly the length of two football fields, and drops 141 feet deep, enough to stack three school buses. 🔭 Scientists estimate that an impact this size only happens on the Moon about once a century.

There's more to it than just the hole itself. Researchers also found a patch of ground about four miles wide around the crater that stays noticeably cooler at night than the surrounding terrain, evidence of just how much a single impact can reshape the nearby surface.

It's a good reminder that even something as familiar as the Moon still has surprises waiting to be noticed; sometimes it just takes someone looking closely enough to catch them.

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Scientists have discovered a crater on the moon that's bigger than the Roman Colosseum, the result of a powerful impact two years ago.

10/08/2026

📌 Higher rates sting borrowers, but they can be a real win for savers.

As rates rise, banks may increase the yields they offer on savings products to attract deposits. The average U.S. savings account still pays just 0.64% annual percentage yield. Some high-yield accounts are paying more than six times that, up to 4.2%, for the exact same deposit.

🔎 Certificates of deposit, or CDs, can offer even higher rates, but the tradeoff is access: your money is locked in for a set term, and pulling it out early usually costs a penalty.

Higher yields don’t erase the effects of inflation, and they won’t necessarily transform household finances. But if your savings account is still earning close to that 0.64% average, that gap alone might be worth a second look.

Source:

The Federal Reserve recently raised interest rates for the first time since 2023.

10/05/2026

Yields have surged to multi-decade highs, raising questions about inflation, interest rates, and what's next for investors. Join CIO Gene Goldman on this week's episode of as he unpacks what's driving the move in bond yields, why higher rates aren't all bad news, and the key catalysts that could bring relief in the weeks ahead.

10/01/2026

This Quarterly Recap summarizes market performance, major events and news from Q3 2026. Read more here:

Markets carried their momentum into the third quarter, with the S&P 500 finishing near record highs. However, the Dow Jones Industrial Average ended 5.1% below…

09/30/2026

In Halberstadt, Germany, a small organ is performing what may be the world's slowest concert.

The John Cage Organ Project has been playing the same composition for nearly 25 years. It is scheduled to continue until Sept. 4, 2640.

The piece is called “ORGAN²/ASLSP,” short for “As Slow as Possible.”

A rare chord change recently took place inside the medieval Burchardi Church, moving the sound from seven notes to eight. That marked only the 17th chord change of the performance.

The full project will last 639 years, from 2001 to 2640. That time frame was chosen as a tribute to a historic organ in Halberstadt dating back to 1361.

The next chord change is scheduled for Oct. 5, 2027.

It is a remarkable reminder that not everything meaningful moves quickly. Some projects are built for patience, stewardship, and generations of people who may never see the ending but still help carry the work forward.

Source:

A small organ in eastern Germany is the headliner of the world’s slowest concert. It has been playing the same piece of music by composer John Cage at a glacial pace for nearly 25 years.

09/29/2026

In Cetera's latest commentary, they explore how higher rates, geopolitical uncertainty, and shifting market expectations are shaping today’s investment landscape. Discover what’s driving the recent volatility and how investors can navigate an increasingly temperamental market environment.

In our latest commentary, we explore how higher rates, geopolitical uncertainty, and shifting market expectations are shaping today’s investment landscape.…

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2618 E. Louise Drive
Phoenix, AZ
85032

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+16022633616

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http://www.scottdhorner.com/

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