Kevin Caffery, Jr. Equitable Advisors

10/19/2026

Let’s work together to maximize after-tax returns and tax-free retirement income by strategically placing investments across accounts with varying tax treatments. See how it works: https://assetlocation.com?utm_medium=social-media&utm_source=MarketingSuite&utm_campaign=MS_0326_Asset_Location&utm_content=a-smarter-way-to-invest-video

10/16/2026

Life insurance is often framed as something you only think about "just in case."

But for many people, it can be part of a broader financial foundation—supporting both current flexibility and future considerations.

From how coverage works to what employer benefits actually provide, understanding the basics can make it easier to decide what fits your situation.

Several factors affect the cost and availability of life insurance. And any guarantees associated with a policy depend on the issuing insurance company's ability to continue making claim payments.

10/13/2026

🍁 From crisp mornings to cozy sweaters and pumpkin-spiced everything, this is the perfect season to reflect on your financial strategy. Whether you're savoring the autumn air or tackling your Q4 goals, take a moment to enjoy all the little things that make fall feel so special. ✨

Let the fall vibes fuel your focus and inspiration! Feeling inspired already? Comment the word “Ready” to get connected today!

10/08/2026

🌌 Scientists may have caught their first direct glimpse of one of the universe’s biggest mysteries.

Researchers with the LUX-ZEPLIN experiment detected a single-particle interaction that they can’t explain with known background signals. One possibility is that it came from a WIMP (Weakly Interacting Massive Particle), a leading hypothetical candidate for dark matter. 🔭

Dark matter is thought to make up about 85% of the universe’s mass, but scientists still don’t know exactly what it is.

The finding is intriguing, but it’s not yet a confirmed discovery. Researchers say the event isn’t statistically significant enough on its own, and there’s still a small chance it could be explained by known background activity.

✨ Still, because dark matter interactions are expected to be extremely rare, even a handful of similar events could move scientists much closer to an answer.


Source:

"We expect dark matter events to be extremely rare, so only a handful could mark the first detection of WIMP dark matter."

09/29/2026

Mortgage rates are rising again, but some buyers may be finding a little more room to navigate the housing market.

The average contract interest rate for a 30-year fixed-rate mortgage with a conforming loan balance rose to 6.69%, up from 6.65% the previous week.

That was the highest level since last August.

Even so, purchase mortgage applications rose 6% for the week. One reason may be that more inventory in some markets is giving buyers additional options.

Some sellers also appear more willing to cut prices as the market moves through its typically slower summer season.

Higher borrowing costs still matter. Mortgage rates can affect monthly payments, affordability, and how much buyers feel comfortable spending on a home.

For buyers and sellers, the broader takeaway is that multiple factors shape housing conditions. Rates, inventory, home prices, competition, and timing can all influence the market at once.

09/25/2026

09/22/2026

U.S. airlines spent more than $6 billion on jet fuel in May for the second month in a row.

According to government data, airlines spent $6.66 billion on fuel in May, up 84% from a year earlier.

The increase was driven mostly by higher fuel prices, not higher fuel use. U.S. carriers used slightly less fuel than they did a year ago, while the average price paid rose to $4.09 per gallon.

Fuel is typically one of the airline industry’s highest operating costs, which can make carriers especially sensitive to swings in energy prices.

In response to higher fuel costs, airlines have raised fares and fees in some cases and adjusted flight schedules.

For travelers and businesses, the broader takeaway is that energy prices can affect more than the cost of filling up a car. They can also influence airfare, travel budgets, company expenses, and inflation pressures.


Source:

Government data released Tuesday shows that U.S. airlines spent $6.66 billion on jet fuel in May

09/18/2026

A record number of U.S. adults under 35 are living with their parents, according to a recent Realtor.com study.

In 2025, 25.2 million adults under 35 lived at home, a higher share than during the COVID-19 pandemic.

Many are working, but wages are not always keeping up with the cost of living. Among adults ages 25 to 34 who live at home, roughly 7 in 10 have jobs.

Housing affordability is a major factor. Higher home prices, elevated mortgage rates, rent, student loan payments, car payments, and everyday expenses can make living independently harder to sustain.

For some families, moving back home may be a way to reduce expenses, rebuild savings, or create more breathing room before taking the next step.

The broader takeaway is that financial independence does not always follow a straight timeline. Cost-of-living pressures are reshaping what adulthood, housing, and household decisions look like for many families.


Source:

One woman in her mid-30s said her $60,000 annual income wasn't enough to cover all her bills after a breakup, leading her to move back home.