🏡 Good news for homeowners, bad news for homebuyers

The Bank of Japan just stunned markets | Good news for the UK housing market | [TOGETHER WITH]( Hi {NAME}, here's what you need to know for December 21st in 3:14 minutes. 😎 Your fashion sense is trendy, you know all the hottest bars, and you’re totally up to date with TikTok. You’re just missing one thing: join us for [How to Tactically Invest in 2023]( on Wednesday, and find out how to really gain an edge as a young investor today. [Grab your free ticket]( Today's big stories - The Bank of Japan just pulled the financial equivalent of an Uno reverse card - …And our analyst explored what Japan’s pivot means for markets – [Read Now]( - The UK housing market could hold its own through a recession, according to a major building society Inflation Enters Japan’s Vocab [Inflation Enters Japan’s Vocab] What’s Going On Here? The Bank of Japan (BoJ) stunned markets on [Tuesday]( after switching up its deep-rooted deflation-fighting policies. What Does This Mean? “Inflation” could be most of the globe’s word of the year, but Japan’s been focusing on the exact opposite for decades now: deflation – yup, falling prices. That might sound like the dream these days, but – believe it or not – it’s actually a bigger problem than inflation. It’s such a problem that Japan brought in an interest rate control policy back in 2016, allowing the country’s government to load up on cheap debt and keep spending to stimulate the economy. The BoJ seemed to stick to those guns just last week, saying it would be premature to shake up those policies without evidence of inflation-fueling wage growth. So it was pretty shocking when the bank announced that it’s now lifting its interest rate cap, signaling that it could be more concerned about inflation than deflation. No wonder stunned financial markets sent the Japanese yen skyrocketing against the US dollar after the news. Why Should I Care? For markets: America’s watching. The “carry trade” is a common tactic that involves borrowing in Japan at cheap rates, changing that borrowed yen into dollars, investing the dollars into US government bonds with higher rates, and pocketing the difference. That makes traders a quick buck, but it hurts the yen against the US dollar. Now the yen’s on the rise, though, carry traders might throw their strategy into reverse – giving Japan’s currency another leg up. Now, that could really tempt any US investors with wandering eyes… Zooming out: We can’t afford this. Japan’s built up a Mount Fuji-sized pile of debt over the years, and with IOUs totalling nearly 250% of the economy, it’s the most indebted country in the world ([tweet this](). So let’s be real, the BoJ’s unlikely to start jacking up rates at the same pace of its American central bank counterpart anytime soon. You might also like: [Buffett’s Berkshire Hathaway has a monstrous Japanese bet.Â]( Copy to share story: [( 🙋 [Ask a question](mailto:questions@finimize.com?body=Ask us a question: Where are you writing from? Let us know and we'll mention it when we reply.&noapp=true&subject=Inflation Enters Japan’s Vocab&utm_campaign=daily-global-21-12-2022&utm_source=email) Analyst Take Investing In Japan Just Got A Lot More Interesting [Investing In Japan Just Got A Lot More Interesting]( By Russell Burns, Analyst Japan sure is looking [more and more interesting](. For two decades, it’s been doing the same thing: keeping [interest rates at zero]( in its seemingly never-ending battle against deflation. But, as the surprising move from the Bank of Japan on Tuesday morning very clearly demonstrates, the picture is beginning [to change](. So hey, let’s take a look at how you might [take advantage](. That’s today’s Insight: [what the Bank of Japan’s latest move may mean for markets.]( [Read or listen to the Insight here]( Finimize x Revolut Pretty good stuff, right? Our analysts write Insights like this every day, and you can read every single one of them with [Finimize Premium](. There’s no better time to get started: our new partnership means you can get [six free months of Finimize Premium]( and [three free months of Revolut Premium]( if you [sign up for Revolut today](. We’ll even send you £10 (or equivalent) to your Revolut account to get you started. SPONSORED BY UPEXI Finally, a brand aggregator that you can invest in It’s easy to start an online business these days. But growing it to peak levels is no small feat. You’re taking on product development, marketing, and distribution… to name just a few. There are tons of small brands with great ideas and healthy sales. They just lack the resources to scale to their potential. And that’s where [brand aggregators like Upexi]( shine. Upexi [buys brands, grows sales, and cuts costs](, which means more profit. Put a bunch of these brands together, and you have a diversified portfolio – one that you have the chance to invest in. That’s kind of a big deal: brand aggregators are usually private companies. And the private ones alone have [raised over $12 billion](: the market is big, and it’s growing. Upexi, though, is [listed on the Nasdaq (ticker: UPXI)](. Now could be the perfect time for you to get involved. [Find Out More]( Disclaimer: This content is for US investors only, if you are not a US investor please ignore this content. This content is a paid advertisement for Upexi (NASDAQ: UPXI) from Interactive Offers and Finimize. This is not Finimize editorial content. Finimize received a fixed fee for producing, hosting and promoting this content on behalf of Upexi, totalling $23,000. Other than the compensation received for this service, Finimize and its principals are not affiliated with either Interactive Offers or Upexi. Finimize and its principals have no ownership in Upexi. The content on this page should not be taken as advice, an endorsement, or a recommendation from Finimize and its principals to buy or sell any security. Finimize and its principals have not evaluated the accuracy of any claims made on this page. Finimize and its principals recommend that investors do their own independent research and consult with a qualified investment professional before buying or selling any security. Investing is inherently risky and capital is at risk. Past performance is not indicative of future results. Unlucky, Big Bad Wolf [Unlucky, Big Bad Wolf] What’s Going On Here? A recession can huff and puff all it likes: Nationwide said on [Tuesday]( that the UK housing market could be pretty stable next year. What Does This Mean? The saying “safe as houses” might be about to prove itself: British building society Nationwide believes the UK housing market could survive next year’s recession relatively unscathed. There are a few reasons for that, but let’s start with the biggie: around 85% of mortgage-laden Brits fixed their rates on longer-term deals before the biggest rate hikes, and that should shield them for a while. Layer on that wages are pretty solid right now, and that housing already looks a tad more affordable, and panicked price drops should be avoided. In fact, Nationwide predicts prices might dip just 5% next year. Why Should I Care? Zooming out: Get your wallet out. The housing market’s like a single domino in a precarious lineup. Homes are usually the biggest asset that we own, after all, so changes in their prices can really affect how we feel about our finances. That has a knock-on effect for consumer spending, which just so happens to be the biggest driver of the economy. So if house prices do manage to hold up, Brits – bolstered with a spot of financial confidence – might be up to task of spending enough to stave off a more painful recession. The bigger picture: It’s a London thing.Plenty of economists will tell you the UK has a housing supply problem. That makes sense: the country hasn’t built fast enough to keep up with demand, especially in major cities. Case in point: [research]( by Sky News shows that the population in certain London boroughs has grown at double the speed of homes built over the past decade. That squished supply has been sending prices to the heavens, and it could limit any potential falls – bad news for homebuyers hoping for a bargain, but a comforting fact for concerned homeowners. You might also like: [Where Finimize analysts are investing right now.]( Copy to share story: [( 🙋 [Ask a question](mailto:questions@finimize.com?body=Ask us a question: Where are you writing from? Let us know and we'll mention it when we reply.&noapp=true&subject=Unlucky, Big Bad Wolf&utm_campaign=daily-global-21-12-2022&utm_source=email) 💬 Quote of the day “We are all here on Earth to help others, what on earth the others are here for I don’t know.” – W. H. Auden (a British-American poet) [Tweet this]( Our community wants to know your name Building a good brand is hard work. So if you’re proud of the work you do, you best make sure everyone knows about it. You could start by [introducing yourself to our one-million-strong community](: they’re a global bunch of switched-on, savvy retail investors who want to take their investing skills up a notch. And if your tips, tools, or platform – plus whatever else you have up your sleeve – could help them do that, then this might be just the right spot for you to [show off what you have to offer](. Make sure everyone knows your name: [introduce yourself to over one million retail investors](. 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