Do you still have to file a tax return if you don’t owe any tax?

Mortgage rates just ticked up after six straight weeks of declines, with the average 30-year fixed rate now sitting at 6.72%. It’s not a huge jump, but it breaks a downward trend that had given homebuyers a bit of relief.

Editor’s Note: If you’ve been waiting to lock in a mortgage, this uptick might make you rethink your timing. Rising rates can squeeze budgets, especially for first-time buyers already dealing with high home prices. Even small increases add up over a 30-year loan, so this shift could push some buyers to act fast before rates climb further. For sellers, it’s a reminder that affordability challenges aren’t going away anytime soon.

The Dow Jones Industrial Average eked out modest gains today, but all eyes were on the bond market as Treasury yields climbed higher. Meanwhile, Brazil's currency managed to recover slightly after taking a hit when former President Trump floated the idea of slapping massive tariffs on the country.

Editor’s Note: Even small moves in the markets can signal bigger shifts—rising Treasury yields often hint at changing investor expectations, and political noise (like tariff threats) can send currencies reeling. For everyday folks, this stuff might feel distant, but it affects everything from mortgage rates to the price of imported goods.

California’s Central Valley, a global agricultural powerhouse, is facing uncertainty as immigrant farmworkers grapple with fear over President Trump’s policies. While his recent overtures have offered a sliver of hope, the overall mood remains tense, with farmers and laborers caught in the crosshairs of shifting immigration rules.

Editor’s Note: This isn’t just about politics—it’s about the people who put food on our tables. The Central Valley’s farms rely heavily on immigrant labor, and if workers are too scared to stay or new policies disrupt the workforce, it could ripple through food supply chains and local economies. The "glimmer of hope" might ease some worries, but the bigger picture is still messy and unresolved.

Nutella and Kinder chocolate maker Ferrero is snapping up WK Kellogg (the cereal spinoff of Kellogg’s) in a $3.1 billion deal. Think of it as a breakfast aisle power move—combining sugary cereals with Ferrero’s snack empire. The deal hints at big shifts in how big food companies are jockeying for shelf space and consumer cravings.

Editor’s Note: This isn’t just about chocolate meeting cereal—it’s a sign of how food giants are scrambling to stay relevant. Ferrero’s betting that pairing its treats with Kellogg’s morning staples will give it more clout in supermarkets and maybe even healthier-ish options (or at least, more ways to tempt us at breakfast). For shoppers, it could mean more combo promotions or new products, but for the industry, it’s another domino in the consolidation game.

Despite Nvidia's jaw-dropping $4 trillion market cap—making it one of the most valuable companies ever—Wall Street analysts are still telling investors to buy more. They see the chipmaker as the unstoppable face of the AI revolution, with even more room to grow.

Editor’s Note: Nvidia’s meteoric rise isn’t just about chips—it’s a bet that AI will keep reshaping the economy. When analysts double down like this, it signals they think the AI gold rush is far from over. But for everyday investors, it’s also a reminder: when hype reaches this level, the stakes (and risks) get higher too.