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☆ I used to rely on grocery delivery services to save time. Now, I shop with my kids — they love it, and I save money.
▼ + stars: | 2024-06-21 | by ( Elliott Walker | ) www.businessinsider.com time to read: +4 min

After my kids were born, my love for online grocery ordering grew even more. While I used to use a grocery delivery service nearly every week, I only use it in a pinch now. On top of that, there can be things like pick-up fees, service fees, delivery charges, and tips if you use a grocery delivery service. All of this means that I end up having to go to the grocery store anyway, usually stressed because I was counting on the grocery delivery service to save time. Using a grocery delivery service can save time and energy, but it also comes with added costs and, oftentimes, frustration.

Persons: —, Elliott Harrell's, Elliott Harrell, I'm, I've Organizations: Service, Business

☆ Overpaying for Medicine
▼ + stars: | 2024-06-21 | by ( Reed Abelson | Rebecca Robbins | ) www.nytimes.com time to read: +1 min

But there’s another reason: middlemen known as pharmacy benefit managers, or P.B.M.s. But in their quest for higher profits, they are quietly driving up prescription drug costs. Your pharmacy benefit manager is often invisible to you unless you’re having trouble filling a prescription. (You probably rely on one of the big three: CVS Health’s Caremark, Cigna’s Express Scripts or UnitedHealth Group’s Optum Rx.) Today, we published a story about these companies, how they affect drug spending and how they amassed so much control with so little transparency.

Persons: you’re Organizations: Cigna’s

☆ A Bay Area county gave low-income moms of color $1,000 a month. 2 years later, more families could put food on the table and afford stable housing.
▼ + stars: | 2024-06-21 | by ( Allie Kelly | Noah Sheidlower | ) www.businessinsider.com time to read: +7 min

With basic income, families had more housing and food securityUpTogether reported that basic income positively impacted participants' financial stability, well-being, and food and housing security. The percentage of participants with housing stability rose from 45% to 60%, while the participants reported an 8% decline in homelessness. More basic income programs are aimed at parentsMarin County's pilot isn't the only basic program to focus on low-income mothers. A basic income program in New Mexico also gave $500 a month to mixed-citizenship status immigrant families with children. Compared to federal safety nets like SNAP, Medicaid, or rental vouchers, basic income allows families more flexible spending.

Persons: —, Claudia Muralles, San Francisco Bay — Muralles, Muralles, UpTogether, Community Action Marin, Marin County's, Flint, Jesús Gerena, Marin, Gerena Organizations: Service, Marin County , California —, Business, UpTogether, Marin Community Foundation, Marin Housing, Community Action, Children, Child Tax, Local, Medicaid Locations: Marin County , California, San Francisco Bay, Marin, Marin County, America, Flint , Michigan, New Mexico, GBI

☆ US home prices just hit a record high. Americans are still buying
▼ + stars: | 2024-06-21 | by ( Bryan Mena | ) edition.cnn.com time to read: +3 min

The situation could improve somewhat later this year, when the Federal Reserve is expected to begin paring back interest rates from a 23-year high, which should bring down mortgage rates. But Fed officials have penciled in just one rate cut for this year, and the days of ultra-low interest rates are long gone. Economists don’t expect the average mortgage rate to fall below 6% in 2024. However, there have been some steps in the right direction: Total housing inventory has steadily increased throughout this year, according to NAR data. New home construction also contributes to housing supply, but high interest rates seem to have pumped the brakes on homebuilding.

Persons: ”, Lawrence Yun, “, don’t, That’s, NAR’s Yun Organizations: Washington CNN — Homes, National Association of Realtors, NAR, “, Federal Reserve, Fed, Housing Locations: America

☆ What to Do if You’re Overpaying for Prescriptions
▼ + stars: | 2024-06-21 | by ( Reed Abelson | Rebecca Robbins | ) www.nytimes.com time to read: 1 min

If you’ve ever had trouble getting a prescription drug, chances are you’ve run into a pharmacy benefit manager. These companies, known as P.B.M.s, play a crucial but often hidden role in deciding which drugs you can get and how much you will personally have to pay. They are middlemen in the maddeningly complex American health care system, working on behalf of your employer or government insurance programs like Medicare, which cover most of the costs of prescription drugs. is to save money on your medications. But The New York Times found that the three biggest P.B.M.s are often making you pay more than you should.

Persons: you’ve Organizations: New York Times

☆ The US job market is fiercely competitive and student debt is a huge problem. I'm glad I left for Australia.
▼ + stars: | 2024-06-21 | by ( Charissa Cheong | ) www.businessinsider.com time to read: +7 min

My parents, who still live in the US, always talked about how much we could save if I went to university in Australia. AdvertisementIn Australia, I've benefited from financial support from my parents and partner. I don't pay rent or utilities except for WiFi. I don't think my job outcome would have been as good if I were in the US. My parents plan on coming back to Australia when they retire, so I am very much looking forward to that.

Persons: —, Aolin Xu, I've, I, they're, Australia doesn't, Ernst & Young Organizations: Service, Business, University of New, UNSW, Australian, US, Ernst & Locations: Australia, Washington, Canada, America, University of New South Wales, Sydney, Bali, Malaysia, EY

☆ How much money Americans need saved for emergencies to feel comfortable, and how much they have
▼ + stars: | 2024-06-21 | by ( Cheyenne Devon | ) www.cnbc.com time to read: 1 min

Although many Americans know much money they would need in their emergency fund to feel comfortable, reaching that goal is easier said than done. Nearly 90% of Americans agree with the traditional rule of thumb: Save enough money to cover at least three months of expenses, according to Bankrate's "2024 Annual Emergency Savings Report." And many feel like they would need about double that amount. A little over 60% of Americans say they'd need enough money saved to cover six months of expenses or more, per the report. Regardless, in reality, most respondents fall short, according to the report, and wouldn't be able to cover a $1,000 emergency expense using their savings.

Persons: wouldn't

☆ If you’re grabbing tax-free income from this asset, you may be sacrificing yield
▼ + stars: | 2024-06-21 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +5 min

Though municipal bonds generally offer income that's free of federal income taxes – and state taxes if the investor resides in the issuing state – they also come with lower yields compared to other bonds. When it comes to muni bonds, the higher your tax bracket, the more valuable the tax-free income is. A tax-conscious approach to fixed income You don't have to bulk up on municipal bonds to get the best yield for your tax scenario. Municipal bonds are good contenders in taxable brokerage accounts, where investors can benefit from their tax-free income. Some fund families offer "tax-aware strategies" either in mutual funds or ETFs, which can include some exposure to municipal bonds, as well as equities.

Persons: Wells Fargo, aren't, Nisha Patel, That's, Collin Martin, Michael Carbone, it's, Beth Foos Organizations: Wells, Wells Fargo Investment Institute, Federal Reserve, SEC, Bond, Corporate Bond, York Life Investments, Schwab Center, Financial Research, Morningstar Locations: Wells Fargo, Chelmsford , Massachusetts

☆ Ángeles Flórez Peón, Spanish Civil War’s Last Militiawoman, Dies at 105
▼ + stars: | 2024-06-21 | by ( Adam Nossiter | ) www.nytimes.com time to read: +1 min

Ángeles Flórez Peón was 17 when she braved mortar and artillery fire to bring food to her fellow Republican volunteers in the trenches of northern Spain during the Spanish Civil War. At 18, she was a nurse tending to the wounded in the doomed effort to save Spain from a military takeover. Ms. Flórez Peón died on May 23 in a hospital in Gijón, Asturias. The Spanish press, which first reported her death, called her the last remaining militiawoman of the Spanish Civil War. Pedro Sánchez, Spain’s Socialist prime minister, paid tribute to her on social media, writing, “105 years of dignity, commitment and struggle for equality, liberty and social justice.”

Persons: Ángeles, Peón, Flórez Peón, Pedro Sánchez, ” Organizations: Republican, Nationalist, Socialist Locations: Spain, Asturias, Gijón

☆ I've been flying ultra-low-cost airlines for years and have never been charged extra — these are my 4 tips for avoiding fees
▼ + stars: | 2024-06-21 | by ( Taylor Rains | ) www.businessinsider.com time to read: +8 min

AdvertisementMy backpack fits perfectly inside the personal item size checker on both Frontier and Spirit. Further, the carry-on bag restrictions vary slightly at 24 x 16 x 10 inches and 22 x 18 x 10 inches, respectively. These rules are found on the airline's websites, and the same goes for other global ULCCs like Ryanair and Allegiant Air. AdvertisementDo the math before you book a ULCCI only pay for an extra bag or a seat when absolutely necessary on a ULCC. Once you add the cheapest seat for $39 each way and a carry-on bag for $69 each way, the total price is $413.

Persons: —, Taylor Rains, I've, Joey, Hannah Towey Organizations: Service, Business, Frontier Airlines, Spirit Airlines, Frontier, Ryanair, Allegiant Air, Priceline, United, Delta, Google, Las, Spirit Locations: New York City, Orlando, Denver, Seattle, Delta, Las Vegas, Chicago, Buffalo

☆ Extreme heat takes toll on outdoor workers
▼ + stars: | 2024-06-21 | by ( Alicia Wallace | ) edition.cnn.com time to read: +11 min

There’s little to no escape from sweltering temperatures for construction workers like Eva Marroquin, who cleans work sites in Austin, Texas, and has worked in the industry for 17 years. Since 2010, she’s worked closely with the Workers Defense Project, an organization that advocates for protections for low-wage, immigrant workers in the Texas construction industry. Slowing down small businessesIt’s barely just now summer, and heatwaves are already slowing down small businesses, according to Homebase, which provides payroll software to more than 100,000 small businesses, covering 2 million hourly workers. “I think anything that impacts small businesses is affecting the economy as a whole,” he said, noting how small businesses account for half the jobs in the country. For herself, the high heat is more of an inconvenience; the car’s hotter and she just needs to pack some extra water.

Persons: Eva Marroquin, ” Marroquin, Christine Bolaños, she’s, Chris Lafakis, ”, Joshua, Gina Ferazzi, Gregory P, Casey, Jenny Schuetz, Brian Snyder, aren’t, “, John Waldmann, They’re, Katie Parent, Joseph Prezioso, Greer, Denise Greer Jamerson, Norman, Greer Jamerson, you’ve, ‘, “ It’s, it’s, Tamara Lovewell, café, panini, Tamara Lovewell “, Lovewell Organizations: CNN, Capitol, Workers Defense Project, Moody’s, Federal Reserve Bank of San, Williams College, Triple, Los Angeles Times, Environmental Protection Agency, Brookings Metro, Reuters, University of California, Stanford University, Getty, National Weather Service, Ruska Coffee Company Locations: Austin , Texas, Washington ,, Texas, Federal Reserve Bank of San Francisco, Massachusetts, Joshua Tree , California, Boston, Greater Boston, AFP, Princeton , Indiana, , Maine, United States, Caribou .

☆ I left the US for Australia. Here are the differences I've spotted in the culture and job market.
▼ + stars: | 2024-06-21 | by ( Charissa Cheong | ) www.businessinsider.com time to read: +7 min

AdvertisementIn Australia, I've benefited from financial support from my parents and partner. I don't pay rent or utilities except for WiFi. AdvertisementI also think that this culture has allowed me to feel less pressure to go out and I've performed better academically. I don't think my job outcome would have been as good if I were in the US. My parents plan on coming back to Australia when they retire, so I am very much looking forward to that.

☆ For the Price of a Police Helicopter, New York Could Save the Arts
▼ + stars: | 2024-06-21 | by ( Ginia Bellafante | ) www.nytimes.com time to read: +2 min

The multiplier effect of culture in New York is huge both in economic and human terms. But arts funding does not consistently rise to meet it. From one vantage, the city’s cultural funding can look robust. Over the past decade, the money allocated to the Department of Cultural Affairs has increased considerably, as City Hall officials will point out. And at any rate, between 2023 and 2024, the overall budget decreased by $7 million to $241 million, as the migrant crisis required cuts across municipal divisions.

Persons: Mark Morris’s, Burt Bacharach, Shakespeare, Kathleen Chalfant Organizations: Broadway, Brooklyn Academy of Music, Department of Cultural Affairs, City Locations: New York, America, Forest Hills, Queens

☆ Protecting pink river dolphins: Fernando Trujillo’s quest to save aquatic life in the Amazon
▼ + stars: | 2024-06-20 | by ( Michelle Cohan | ) edition.cnn.com time to read: +5 min

When Trujillo asked what he should focus his research on, Cousteau told him he should go study the river dolphins, which had not been investigated in depth. “This is a very aggressive environment, very difficult to survive,” Trujillo told CNN of the Amazon. Video Ad Feedback Saving the dolphins and manatees of the Amazon River 03:22 - Source: CNNThere are two types of freshwater dolphins found throughout the Amazon: the Amazon River dolphin – or “pink dolphins” due to their color – and the smaller tucuxi, Trujillo said. “They told me ‘we all believe that you are a dolphin that became a human to protect the dolphins,’” Trujillo said. Fernando Trujillo, right, pictured here in 1991 scouting for dolphins along the Amazon River.

Persons: Fernando Trujillo, Jacques Cousteau, Trujillo, Cousteau, ”, ” Trujillo, “, ’ ” Trujillo, he’s, María Jimena Valderrama, CNN Trujillo Organizations: CNN, Initiative, Amazon, International Union for Conservation of Nature, Omacha, Geographic, Rolex Locations: Colombian, Bogotá, Puerto Nariño, South America, ”, Colombia, Trujillo

This year, Capitol Hill Block Party fills the streets with music from multiple stages from July 19 to 21 in Seattle. While some tickets are already sold out for the July event, Capitol Hill Block Party still has some original tickets, including three-day passes and VIP tickets. Capitol Hill Block Party 2024 festival scheduleThe Capitol Hill Block Party is a three-day music festival scheduled for July 19 through 21. How much are Capitol Hill Block Party tickets? All three days of Capitol Hill Block Party are packed with popular artists from various genres.

Persons: Remi Wolf, Woozy, Chappell Roan, Becky Hill, Annie Dirusso, Alice Longyo Gao, Akira Galaxy, Oble Reed, Juliette, King Sheim, Jaiden Grayson, Chisme, Camille Saturday, Flyana, Tkay, Carol Ades, Cherry Ferrari, Tinsley, Anna Thompson, Blksknn, Linda, Aryana Leon, Fleetwood Snack, Terra, Joey Valence, Mette, Frost, Saint Deon Organizations: Business, Block, Capitol, Capitol Hill Block, Hill Block, Capitol Hill, Block Party, Vivid, Hill Block Party, Power, Force, Warren Locations: Seattle, Capitol Hill, Hill, here's, StubHub, Mindchatter, Tezatalks, Jaywop, JNA, The, Brae, Vansire, Maeta, Fiji, Saint, Warren Dunes

☆ Trump calls Biden's student-loan forgiveness efforts 'vile' — and voters shouldn't count on that relief if he's elected
▼ + stars: | 2024-06-20 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

Read previewFormer President Donald Trump is making sure voters know how he feels about student-loan forgiveness. He also used that time to criticize President Joe Biden, particularly Biden's efforts to enact student-loan forgiveness for millions of Americans. Should Biden win, his administration will continue carrying out its broad and targeted debt relief efforts such as one-time account adjustments for borrowers on income-driven repayment plans and Public Service Loan Forgiveness. After the Supreme Court decision, his campaign posted a statement on his website saying that "these wins were only made possible through President Trump's strong nomination of three distinguished and courageous jurists to the Supreme Court." AdvertisementStill, Biden's Education Department is moving forward with its relief efforts and has maintained that all of its actions are in accordance with the law and the Supreme Court decision.

Persons: —, Donald Trump, Trump, Joe Biden, I'm, Biden, Biden's, It's, Trump's Organizations: Service, Business, Trump, Biden's Education Department, Higher, Biden, Public, Supreme, Education Department, GOP Locations: Wisconsin

Keep reading to learn all of your watch options, including a free Argentina vs. Canada live stream. Where to watch Copa America in the USCopa America matches will be spread across Fox, Fox Sports 1 (FS1), and Fox Sports 2 (FS2) in the US. View at FuboWhere to watch Copa America in CanadaCopa America is available on TSN in Canada. Where to watch Copa America in the UKCopa America streams on Premier Sports in the UK. Where to watch Copa America in AustraliaCopa America streams on Optus Sport in Australia.

Persons: Lionel Messi, ViX, ExpressVPN Organizations: Business, teams, South America, Copa America, CONMEBOL Copa America, North, CONCACAF, Argentina, Canada, Argentine, Inter Miami, US Copa America, Fox, Fox Sports, Canada Copa America, TSN, Premier Sports, Australia Copa, Optus Sport, Mexico Copa, TV Azteca, Azteca Locations: America, South, South America, Japan, Qatar, Uruguay, Argentina, Canada, Australia, Australia Copa America, Brazil Copa America, Globoplay, Brazil, Mexico, Mexico Copa America

Although original tickets have sold out, there are still a few options to explore when it comes to how to get Gracie Abrams tickets. If you're hoping to find Gracie Abrams tickets, you've come to the right place. Gracie Abrams 2024 tour scheduleGracie Abrams' "The Secret of Us" tour spans from Portland to Portland. How to get Gracie Abrams ticketsOriginal standard Gracie Abrams tickets were available through Ticketmaster in early June but quickly sold out. Original tickets for Gracie Abrams' concert tour have sold out, but the cheapest tickets for several dates began at around $39.50.

Persons: Gracie Abrams, Abrams, Olivia Rodrigo's, Swift, Irving, Taylor Swift Organizations: Business, Spotify, Swift, Ticketmaster, Irving, Interscope Records Locations: Portland, Oregon, Maine, Seattle, WA, Berkeley, Los Angeles, CA, Denver, Houston, Austin, Kansas City, Minneapolis, Chicago, Nashville, TN, Atlanta, Washington, New York, NY, Philadelphia, Boston, Irving , TX, North America, Canada

This guide has everything you need about where to watch a free Spain vs. Italy live stream wherever you are in the world. How to watch free Spain vs. Italy live streams from anywhereWith a quick and easy workaround, you can catch all Euro 2024 action for free, including Spain vs. Italy today. ET / 8 p.m. BST / 3 a.m. AWSTWhere to watch Spain vs. Italy in the USAFox has picked up the rights to the vast majority of games in the USA, including Spain vs. Italy. ITV specifically has the free Spain vs. Italy live stream today. Where to watch Spain vs. Italy in AustraliaOptus Sport, a paid streaming service, exclusively holds all the Euro 2024 live streams in Australia.

Persons: you'll, ExpressVPN, That's Organizations: Business, BBC, ITV, Olympics, Wimbledon, USA Fox, Fox, Fubo, Nations, Australia Optus Sport, Optus Locations: Spain, Italy, Ireland, USA, Slovakia, Ukraine, Georgia, Australia

☆ Live Updates: Heat Wave Pummels Eastern U.S. for 4th Day
▼ + stars: | 2024-06-20 | by ( Andy Newman | Robert Chiarito | ) www.nytimes.com time to read: +5 min

Prolonged exposure to or physical exertion in excessive heat can cause heatstroke, according to the Mayo Clinic. Starting Tuesday, cooling centers — indoor, air-conditioned spaces for public use — will be open during the day in New York. At night, because heat can disrupt sleep, 60 to 67 degrees is recommended by the Cleveland Clinic. A technician will typically check for and diagnose issues with the system, clean it and change out the filter. New York Times Cooking has a list of “No-Cook Recipes for a Heat Wave” so you can prep a meal without turning on your stove top.

Persons: you’re, Patrick Junker, Wirecutter, Steer Organizations: Chicago, Mayo Clinic, Cleveland Clinic, American Kennel Club, The New York Times, York Times Locations: New York, Dallas, New York City, Ronda Kaysen

☆ Exclusive: A16z-backed Knownwell is buying AI-powered Alfie Health to supercharge its obesity care
▼ + stars: | 2024-06-20 | by ( Rebecca Torrence | ) www.businessinsider.com time to read: +6 min

With that market shaking out this year, one obesity care startup just scooped up another. Knownwell, which provides obesity-centered primary care and weight management, has acquired Y Combinator startup Alfie Health, Business Insider has learned exclusively. But many investors leaned away from backing obesity care startups as the virtual prescription-focused model clashed with medication shortages. AdvertisementKnownwell has taken a different approach to weight management, with in-person providers alongside its virtual care services, and primary care in addition to obesity care. Alfie HealthGetting obesity care rightBoyarsky Pratt founded Knownwell alongside Dr. Angela Fitch, the president of the Obesity Medicine Association and the former associate director of Massachusetts General Hospital's weight care center.

Persons: —, Alfie, Alexander Singh, Ozempic, Knownwell, It's, Andreessen Horowitz, Alfie Health, Y Combinator, Nina Capital, Brooke Boyarsky Pratt, Boyarsky Pratt, it's, Angela Fitch, Vineeta, Kindbody, Agarwala Organizations: Service, Health, Business, Alfie Health, Knownwell, Flare Capital Partners, Nina, Obesity Medicine Association, Massachusetts, Oak, Carbon Health Locations: WeightWatchers, Plenty, Needham , Massachusetts, Boston, Massachusetts, Rhode Island, New Hampshire, Dallas, Minneapolis

☆ French Business Leaders See Threat to Economy From Macron’s Opponents
▼ + stars: | 2024-06-20 | by ( Liz Alderman | ) www.nytimes.com time to read: +1 min

Both the far-right National Rally party in France and its competing left-wing New Popular Front coalition are promising to save the country from financial ruin. But French executives gave a chilly reception Thursday to competing economic platforms from the rival parties, warning that both could endanger the French economy and distance France from the European Union. With less than two weeks before pivotal legislative elections, members of MEDEF, the main employers association in France, held an “audition” for candidates from the main political parties that are vying to seize power from President Emmanuel Macron, whose government has been severely weakened after his party was battered by the far right in European Parliament elections. Mr. Macron called for snap parliamentary elections, gambling that voters would reject extremes and embrace his centrist Renaissance party. The first round of voting is slated for June 30, and the final round for July 7.

Persons: MEDEF, ”, Emmanuel Macron, Macron Organizations: Popular Front, European Union, Renaissance Locations: France

☆ New York governor signs bill regulating social media algorithms, in a US first
▼ + stars: | 2024-06-20 | by ( Brian Fung | ) edition.cnn.com time to read: +4 min

CNN —Big changes are coming for New York’s youngest social media users after Gov. The unprecedented move makes New York the first state to pass a law regulating social media algorithms amid nationwide allegations that apps such as Instagram or TikTok have hooked users with addictive features. New York officials hailed the legislation as a critical check on social media platforms’ influence over teens. “Algorithmic curation makes teenagers’ feeds healthier, and banning algorithms is going to make social media worse for teens.”The legislation’s signing sets the stage for another in a long string of court battles over state social media laws. States such as Arkansas, Florida, Louisiana and many others have passed laws clamping down on social media companies’ approach to teens.

Persons: Kathy Hochul, Vivek Murthy, ” Hochul, Letitia James, ” James, ”, Adam Kovacevich Organizations: CNN, New, Gov, New York Child Data, New York, of, Industry Locations: New York, “, Arkansas, Florida , Louisiana, Ohio, Texas, Florida

☆ Paying off my debt will make it easier to get my dream home, so I took on a side hustle to pay off $5,000
▼ + stars: | 2024-06-20 | by ( Choncé Maddox | ) www.businessinsider.com time to read: +4 min

I took on a seasonal job that allowed me to rapidly pay off my credit-card debt and start saving. In 2022, we ended up draining most of our emergency fund, and I quickly racked up close to $5,000 worth of credit-card debt. I picked up a seasonal jobOne of the best things I did last winter to streamline paying off my credit-card debt was getting a seasonal part-time job. All of this went toward my credit-card debt, along with any money I budgeted for extra debt payments from my main income. Paying down credit-card debt was just one thing I needed to do.

Persons: —, I'm, I've, homeownership Organizations: Service, Amazon

☆ Mortgage rates fall to their lowest level in almost three months
▼ + stars: | 2024-06-20 | by ( Bryan Mena | ) edition.cnn.com time to read: +4 min

Washington CNN —Mortgage rates fell this week to their lowest level since early April, taking some pressure off America’s unaffordable housing market. “These lower mortgage rates coupled with the gradually improving housing supply bodes well for the housing market.”Still, mortgage rates remain higher than anything seen in the decade before 2022, the year the Federal Reserve began to raise interest rates to combat inflation. Economists don’t expect the average mortgage rate to fall below 6% this year. Homebuilding constrained by high interest ratesWhile mortgage rates have eased recently, the US housing market overall remains hamstrung by elevated interest rates, which seem to be taking a toll on homebuilding. “Persistently high mortgage rates are keeping many prospective buyers on the sidelines,” NAHB Chairman Carl Harris said in a release.

Persons: Freddie Mac, ”, Sam Khater, Freddie Mac’s, don’t, America’s homebuilders, “, Carl Harris, ” Skylar Olsen Organizations: Washington CNN —, “, Federal Reserve, Treasury, National Association of Home Builders Locations: ., Wells Fargo, America, San Diego , Los Angeles and New York, California, Honolulu

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