September 15, 2026
Good Morning. The rate you've never checked just touched 5%, and it could add about $160 a month to a $400,000 mortgage. Plus, trauma releasing exercises, living like The Gilmore Girls, and Sweeney’s nude ad controversy (first time here? Join 523,000 Betterists ).
Yesterday’s most clicked link : How they made Band of Brothers
TOP STORY TODAY
Treasury Yield Peaks
The 10-year Treasury yield touched 5% yesterday , a level briefly hit in 2023 and otherwise unseen since 2007. Energy prices, expected rate hikes and government debt pushed it up from 4.15% in January.
The 10-year sets the tone for mortgages and car loans. The average 30-year mortgage rate hit 6.76% last week, up from 6.15% in January. On a $400,000 loan, that adds roughly $160 a month.
The Federal Reserve announces its next rate decision this week. Lenders quote different rates for the same borrower, and shaving even a fraction of a point can save thousands over a 30-year mortgage.
The move: compare Loan Estimates from several lenders before locking a rate | See rates offered to borrowers like you
Ballot Rule Paused
The Supreme Court on Monday blocked a Trump administration plan to restrict mail ballots for November's midterms. Two justices, Samuel Alito and Clarence Thomas, dissented. Voting is already underway, and mail ballots account for nearly a third of votes cast .
The plan would have required uniform envelopes and voter lists uploaded to an online portal, letting the Postal Service refuse noncompliant ballots. A whistleblower report warned one bar code error could scrap an entire batch.
Justice Brett Kavanaugh signaled he could back the plan in a future case. For now, ballots go out as usual, and many request deadlines fall one to two weeks before the November 3 election. Every state's absentee ballot request deadline .
▲ Russian disinformation campaign sets sights on US midterms
Oldest App Trail Hiker
Dale Sanders, 91, finished the 2,193-mile Appalachian Trail on Aug. 31, reclaiming his title as the oldest person to complete it . He first set the record at 82 in 2017, then lost it to a friend in 2021.
He fell 71 times along the way, including a tumble 200 yards from the finish. On one 12-mile day, he lay down on the trail, napped for two minutes, then got up and kept hiking.
A pinched nerve hospitalized him in Maine, and he nearly quit. His wife talked him into finishing. He also holds the record as the oldest person to paddle the Mississippi River, a trip he began at 87.
▲ Best book* about hiking the App Trail | The movie version
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Read 200 Books a Year (Without Speed Reading)
Ryan Holiday reads a couple hundred books a year while running a bookstore, writing books, and raising two kids. No audiobooks, no summaries, no hacks. In this 16-minute video , he breaks down his rules.
Some of these rules include:
- Always carry a book, so it replaces scrolling
- Read with a pen and argue in the margins
- Quit bad books early using his rule: 100 pages minus your age.
- And when a book grabs you, buy it on the spot
Also in this video : why speed reading is a scam (11:42), how to keep a commonplace book (6:36), why you should reread your favorites (4:14), and the "anti-library" on his nightstand (12:06)
A Doctor Swapped Meditation for “Shaking”
Yousef, a medical doctor, spent two years doing TRE (tension and trauma releasing exercises) for 20 minutes a day. He says it did more for his mind than two decades of meditation.
The big idea : animals shake off stress after a scare. Adults learn to suppress it. TRE uses a few exercises, like a wall sit, to tire your hip muscles until they tremor on their own.
In week one, his ring's recovery score jumped from the 70s and 80s to 95. His advice: give it five or six hours total before judging, and see a practitioner if you're carrying heavy trauma.
Also in this video : w hy shaking works (4:45), week-by-week results (10:37), how to do it (18:49), and his exclusive cheat sheet (21:16).
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TOGETHER WITH SUNDAYS FOR DOGS
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