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Strategy News
Forbes
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Private Student Loan Rates: March 18, 2025—Loan Rates Rise
- The average interest rate on 10-year fixed-rate private student loans increased last week.
- The average fixed interest rate was 7.60% for borrowers with a credit score of 720 or higher.
- The average interest rate on a five-year variable-rate loan was 6.04%.
- Variable interest rates fluctuate over the course of the loan term, but may start lower than fixed rates.
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Forbes
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High-Yield Savings Account Rates Today: March 18, 2025 – Rates Are Steady
- High-yield savings account rates remain steady, with the highest rate at 5.84% on a $2,500 minimum deposit.
- Online banks and credit unions offer higher rates compared to brick-and-mortar banks.
- For high-yield accounts, the best interest rate on a $10,000 minimum deposit is 4.88%.
- The average rate for both traditional and high-yield savings accounts is 0.22% and 0.23% respectively.
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Forbes
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Current Mortgage Refinance Rates: March 18, 2025 – Rates Dip
- The current rate on a 30-year fixed refinance is 6.82%, while a 15-year mortgage refinance is at 5.73% and a 20-year mortgage refinance at 6.56%.
- For a 30-year fixed-rate mortgage refinance of $100,000, the monthly payment is $654 for principal and interest, totaling about $135,269 in interest over the loan's life.
- The average interest rate for a 20-year fixed refinance mortgage is 6.56%, with an APR of 6.61%, costing around $79,815 in total interest for a $100,000 loan.
- A 15-year fixed refinance mortgage has an average interest rate of 5.73%, with an APR of 5.78%, resulting in about $49,271 in total interest for a $100,000 loan.
- Refinancing a jumbo mortgage above the federal conforming loan limit would have rates like 7.18% for 30-year fixed and 6.13% for 15-year fixed.
- Refinancing rates are usually higher than purchase loan rates due to increased lender risk, with cash-out refinances also having higher rates.
- Consider refinancing to lower interest rates, monthly payments, pay off mortgages sooner, access equity, or eliminate PMI, but be aware of closing costs.
- The Forbes Advisor mortgage refinance calculator can help determine if the savings from a new mortgage surpass the closing costs, known as the 'break-even point.'
- Refinance to lower monthly payments, stop paying annual fees, fix rates, or opt for a cash-out refinance, but note the potential increase in total interest with longer loan terms.
- Maintain a solid credit score, manage debt, and keep an eye on fluctuating mortgage rates to secure the lowest refinance rates.
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HRKatha
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Following protests, BMRCL withdraws recruitment notification
- Kannadiga activists and Namma Metro employees union protested against BMRCL's recruitment notification for 50 loco pilots.
- The activists believed the recruitment favored outsiders and demanded the notification be withdrawn.
- The notification relaxed the condition for knowledge of Kannada language and gave preference to candidates from North India, Hyderabad, Chennai, and Kochi.
- The Karnataka government intervened, requesting BMRCL to alter the hiring process for fair representation.
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HRKatha
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Forever 21 commences bankruptcy proceedings; thousands of employees face uncertainty
- Forever 21, the apparel retail chain, has filed for bankruptcy for the second time as it faces stiff competition, rising costs, and changing consumer preferences.
- The company is gradually closing all its US stores and looking for a buyer while trying to sell its assets.
- Employees at corporate offices, stores, and warehouses are uncertain about their future.
- The brand, founded in 1984, struggled to keep up with the e-commerce boom and declining mall footfall.
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HRKatha
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7,500 jobs to be cut at Audi over 4 years
- Audi, the German luxury carmaker, plans to cut 7,500 jobs in Germany over the next four years.
- The layoffs, which will primarily affect the administration and development divisions, account for around 14% of Audi's workforce.
- The factory workers will not be impacted by the job cuts.
- Audi aims to save $1.1 billion annually by implementing cost-saving measures.
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HRKatha
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Meet Conneqt’s new AI-driven chief listening officer
- Conneqt has appointed Nikki, an AI-driven employee experience platform, as its chief listening officer.
- Nikki will provide real-time sentiment analysis and personalized experiences for Conneqt's 50,000-strong workforce.
- The AI-powered listening partner will offer proactive recommendations for engagement and data-driven HR decision-making.
- Conneqt aims to create a culture of engagement, productivity, and learning with the help of AI-driven insights provided by Nikki.
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Medium
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5 Tips to Simplify your Product
- Simplicity is deceptively difficult, but when executed well, it feels like magic.
- Product managers should use the product as customers would and test it globally.
- Creating a tight-knit team with a shared vision of simplicity is crucial.
- A product should focus on the top needs of users and tell a clear, compelling story.
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Medium
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5 Attributes of Customer Obsession
- Customer obsession requires stepping back, questioning assumptions, and shifting from an internal mindset to an external mindset.
- The best way to understand customers is to experience the product as they do and live with it daily.
- Customer behavior, feedback, and pain points provide valuable insights into whether a product solves a problem.
- Simplification, fighting against complexity, and using the right metrics are key to achieving customer satisfaction and long-term growth.
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Medium
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5 Rules to maintain your product roadmap
- A flexible roadmap guided by overall goals is critical to the product team.
- Define core deliverables that are specific and aligned with overall goals.
- Plan resources based on the requirements of the roadmap and ensure availability of necessary expertise.
- Establish a roadmap intake process to evaluate new asks and their alignment with the overall plan.
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Livebitcoinnews
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Strategy Adds 130 BTC, Achieves 6.9% BTC Yield YTD
- Strategy adds 130 BTC for $10.7 million at an average price of $82,981 per coin.
- Company holds 499,226 BTC purchased for $33.1 billion at an average price of $66,360 per coin.
- Michael Saylor calls Bitcoin a 'Digital Energy Network'.
- Strategy aims to acquire $2 billion worth of 0% convertible senior notes for further funding.
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Rockpapershotgun
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Marvel Rivals Season 2 will add more Team-Up skills, plus the usual new heroes
- Marvel Rivals Season 2 will introduce new Team-Up skills and additional heroes, as confirmed by game director Guangyun Chen.
- The content for Season 2 is ready, and the designs for Seasons 3 and 4 are already in development.
- Although there have been layoffs and controversy regarding the reset of player ranks, Marvel Rivals continues to attract a large player base.
- The new Team-Up skills will allow characters to combine their abilities, providing balancing and strategic opportunities.
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Pcgamer
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Age of Empires 2 team continues to cook while delivering 'legendarily long' 8,000-word patch notes about 'the biggest updates' the 26 year-old game has ever had
- The Age of Empires 2 fanbase remains devoted to the 26-year-old game, with one player exclusively playing it for 25 years.
- The game's latest massive patch notes, spanning 8,229 words, tease one of the biggest updates ever.
- Updates include bug fixes, 25 new castle visuals, animation improvements, and new gameplay options.
- Notable patch features include reorganizing the technology tree layout, balancing individual units, and focusing on the Chinese civilization.
- A new free scenario 'Xie An' and significant updates for the Chinese civilization are highlighted.
- Additional changes cover herdable and huntable animals, map improvements, new trees, and the introduction of the 'Panda Rock' and 'Red Crowned Crane.'
- The upcoming expansion will add five new civilizations for ranked multiplayer, generating excitement among fans.
- PCG's Fraser Brown praises Age of Empires 2: Definitive Edition, stating it is the best version of the game after 26 years.
- Developers Forgotten Empires and World's Edge maintain a robust pace of expansions, enhancing the game's longevity.
- The continuous updates and dedicated fanbase demonstrate the enduring popularity and evolution of Age of Empires 2.
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Global Fintech Series
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Fiserv Announces the Appointment of Stephanie Cohen to Board of Directors
- Fiserv, Inc. appoints Stephanie Cohen to its Board of Directors.
- Cohen is the Chief Strategy Officer at Cloudflare.
- She brings expertise in strategy, innovation, and technology.
- Her appointment enhances Fiserv's global leadership and commitment to growth.
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HRKatha
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Image Credit: HRKatha
Why Indian woman in London refused to return to office
- A 25-year-old Indian woman living in London has refused to return to the office five days a week, citing high commuting costs and stagnant salaries.
- Spending a significant portion of her salary on commuting made little sense, especially when most office work still involves virtual meetings.
- Financial stability is a concern for the woman, as rising costs and low pay have made it difficult for Gen Z employees to save money and own homes.
- Her post on LinkedIn has gone viral, resonating with many young professionals struggling with the financial realities of city life and workplace expectations.
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