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// 845.371.2222 neyInterest rates are back in the headlines, and it’s not just financial analysts paying attention anymore. From mortgages and auto loans to savings accounts and everyday purchases, the cost of money is affecting us all. But what exactly drives those numbers and how are they shaped by the events rippling through global markets and policy decisions? In this short guide, we’ll break down how interest works, why rates swing up and down, and what it means for your wallet. LIBBY KLEIN 125

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