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XRP Data Shows 'Bulls in Control' as Price Craters... Who Are You Supposed to Believe?

Here’s a story as old as crypto itself: the price is doing one thing, and  the data is telling you the exact opposite. Today’s protagonist is XRP, which finds itself once again dangling precariously over the crucial psychological support level of $3. For any rational trader, seeing an asset repeatedly test a major support level is a clear sign of weakness, an indication that sellers are gaining the upper hand.

The more a floor is tested, the more likely it is to break. But, of course, that’s not the full story, is it? The headlines, fueled by on-chain analytics firms, are telling us a completely different tale: that data shows bulls are still in control.



And this is where the profound sense of fatigue sets in for anyone who's been in this space for more than a minute. We’ve been fed this exact narrative with XRP for years. The price may be stagnant for months on end, bleeding out against Bitcoin and Ethereum, but just look at the on-chain metrics! Look at the wallet accumulation! Look at the  positive social sentiment !  This feels less like objective analysis and more like weaponized  hopium.


It's a carefully crafted narrative designed to keep a fiercely loyal community emotionally invested and holding on through brutal, soul-crushing price action. It's a way to rationalize holding an underperforming asset by pointing to abstract data while ignoring the most important data point of all: the price. So what are we supposed to believe? The cold, hard reality of the price chart, or the comforting 'data' that promises a comeback is just around the corner?

2025-09-22
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Blockchain
Crypto Investment
2025-08-15 ·  3 months ago
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  • EIN Lookup: Find a Company's EIN or Your Own (Free)

    Whether you're a business owner who's misplaced your own tax ID or an administrator needing to verify a vendor's information, the "EIN lookup" is a common and crucial task. A Federal Employer Identification Number (FEIN or EIN) is a unique nine-digit number assigned by the IRS to identify a business entity.


    But finding one isn't always straightforward. The method you use depends entirely on one simple question: are you looking for your own EIN or someone else's? This guide provides a clear, step-by-step process for both scenarios.


    Part 1: How to Find Another Company's EIN

    When you need to perform a federal tax id number lookup on another company, your success depends on whether the company is public, private, or non-profit.


    1. For Publicly Traded Companies (The Easy Way)If the company is publicly traded on the stock market, its EIN is considered public information.

    • Method: Use the SEC's EDGAR (Electronic Data Gathering, Analysis, and Retrieval) system. Search for the company's name, and its EIN will be listed on its official filings (like a 10-K or 10-Q report). This is the most reliable EIN lookup free tool for public corporations.

    2. For Non-Profit OrganizationsNon-profits are also required to make their information public to maintain their tax-exempt status.

    • Method: Use the IRS Tax Exempt Organization Search tool. You can search by name and location to find details and filings. The organization's EIN will be on its Form 990, which is publicly available.

    3. For Private Companies (The Hard Way)Finding the EIN for a private company is difficult, as it's not public record. You cannot simply look it up online.

    • Method: The most professional way is to ask the company directly. Request a Form W-9, "Request for Taxpayer Identification Number and Certification," from their billing or accounts payable department. This form officially provides their EIN and is standard practice for vendor and contractor payments.


    Part 2: How to Find Your Own Lost EIN

    Misplacing your own company's EIN is incredibly common. Before you spend hours on the phone, follow these steps to check EIN number using documents you likely already have.

    1. Check Your Business DocumentsYour EIN is printed on numerous documents. This is the fastest and easiest way to find it.

    • Original EIN Confirmation Letter: The original SS-4 confirmation letter you received from the IRS when you first applied.
    • Previous Tax Returns: Your EIN is on all federal tax returns you've filed for the business.
    • Business Bank Account Statements: Most banks require an EIN to open a business account and may list it on your statements or in your online banking portal.
    • Business Licenses and Permits: Check local, state, or federal license and permit applications.

    2. Call the IRS (The Last Resort)

    If you've exhausted the options above, you can call the IRS Business & Specialty Tax Line.

    How: Call them at 1-800-829-4933, available from 7 a.m. to 7 p.m. local time, Monday through Friday.

    Be Prepared: You must be an authorized person (e.g., a corporate officer, partner, or sole proprietor) to receive this information. They will ask you security questions to verify your identity before providing the number over the phone.


    Don't Get Stuck on Paperwork

    Whether you're verifying a vendor or trying to track down your own records, a FEIN lookup doesn't have to be a roadblock. By knowing whether to check public records, ask for a W-9, or simply review your own documents, you can find the number you need quickly and efficiently.


    Bookmark this guide for the next time you need to find an EIN. It will save you time and point you in the right direction every time.

    EIN (Employer Identification Number)
    Business Verification
    2025-07-25 ·  3 months ago
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  • Current Mortgage Rates in 2025: What Homebuyers Need to Know Before Locking In

    Are You Ready to Lock in Your Dream Home?

    Mortgage rates are the talk of the town, and if you’re a prospective homebuyer or homeowner looking to refinance in the United States, you’re likely asking,  What are mortgage rates today?  or  Will mortgage rates go down?  The housing market is a wild ride right now, with mortgage rates fluctuating and impacting affordability. In this article, we’ll dive deep into current mortgage rates, explore whether mortgage rates are going down, and provide actionable insights to help you make informed decisions. Whether you’re chasing the dream of homeownership or strategizing a refinance, this guide is your go-to resource for navigating mortgage interest rates in 2025.




    Understanding Mortgage Rates Today: What’s Happening in 2025?

    As of July 9, 2025, mortgage rates today are hovering in the mid-6% range for a 30-year fixed-rate mortgage, with some lenders quoting rates as low as 6.125% for well-qualified borrowers. According to industry sources like Bankrate and NerdWallet,

    the average 30-year mortgage rates stand at approximately 6.74% APR, while 15-year fixed rates are around 5.89% APR. Adjustable-rate mortgages (ARMs), such as the 5/1 ARM, are slightly higher at about 7.49% APR.

    These numbers reflect a slight decline from earlier peaks of 7.04% in January 2025, but they remain a far cry from the ultra-low 3% rates seen during the 2020–2021 pandemic era. Why are current mortgage rates so high? Several factors are at play:


    Federal Reserve Policies: The Federal Reserve’s decision to hold the federal funds rate steady in June 2025, coupled with concerns over inflation from new tariff policies, has kept borrowing costs elevated. Mortgage rates often follow the 10-year Treasury yield, which is currently around 4.3%.

    Inflation and Economic Uncertainty: Inflation rose to 3.5% in April 2025, up from 2.6% the previous month, prompting caution from lenders.

    Market Dynamics: A strong labor market and rising home prices continue to pressure affordability, keeping mortgage interest rates in a higher range.

    For U.S. homebuyers using USD, these rates translate to higher monthly payments. For example, on a $350,000 30-year fixed loan at 6.74%, your monthly principal and interest payment would be approximately $2,270, excluding taxes and insurance. Compare that to a 3% rate from 2020, where the same loan would cost about $1,475 per month—a difference of nearly $800




    Are Mortgage Rates Going Down? The Big Question for 2025

    Everyone wants to know: Will mortgage rates go down? The short answer is, it’s complicated. Experts are divided on the trajectory of mortgage rates in 2025, but here’s what the latest forecasts suggest:

    Mortgage Bankers Association (MBA): Predicts 30-year mortgage rates will average 6.8% through Q3 2025, dropping slightly to 6.7% by year-end.

    Fannie Mae: More optimistic, forecasting rates could dip to 6.5% by the end of 2025 and 6.3% by mid-2026.

    Market Sentiment: Posts on X reflect frustration among homebuyers, with some noting rates  stubbornly above 6.6%  and no immediate relief in sight.




    When Will Mortgage Rates Go Down?

    The million-dollar question is, when will mortgage rates go down significantly? Unfortunately, a return to 3% rates is unlikely in the near future. The Federal Reserve’s cautious stance on rate cuts, combined with global economic factors like tariff policies, suggests mortgage rates will remain in the 6.5%–7% range for the rest of 2025. However, a potential rate cut in September 2025 could provide some relief, though experts caution it may be modest.

    For now, homebuyers and refinancers should focus on strategies to secure the best possible rate rather than waiting for a dramatic drop. Timing the market is risky, as Fred Bolstad from U.S. Bank notes: If you find a home you love and can afford the payments, there’s no need to wait.




    How to Navigate High Mortgage Rates: Tips for U.S. Homebuyers

    High mortgage interest rates can feel daunting, but there are ways to make homeownership or refinancing more affordable. Here’s how to tackle the current market:

    1. Shop Around for the Best Rates

    Not all lenders offer the same current mortgage rates. Comparing offers from multiple lenders can save you thousands over the life of your loan. For example, a 0.25% difference on a $360,000 30-year loan could save you $22,000 in interest. Use platforms like Bankrate or NerdWallet to compare personalized rates.


    2. Improve Your Financial Profile

    Your credit score, debt-to-income (DTI) ratio, and down payment size directly impact your rate. Here’s how to optimize:

    • Boost Your Credit Score: A score of 750 or higher often secures the lowest rates. Pay down debt and correct credit report errors before applying.
    • Lower Your DTI Ratio: Aim for a DTI below 36% by paying off credit cards or increasing your income.
    • Increase Your Down Payment: A larger down payment (20% or more) reduces the lender’s risk, potentially lowering your rate.


    3. Consider Alternative Loan Types

    If 30-year mortgage rates are too high, explore other options:

    • 15-Year Fixed Loans: These typically have lower rates (around 5.89% as of July 2025) but higher monthly payments.
    • Adjustable-Rate Mortgages (ARMs): A 5/1 ARM starts with a lower rate but adjusts after five years, which could be risky if rates rise further.
    • FHA, VA, or USDA Loans: These government-backed loans offer lower down payments and competitive rates for eligible borrowers.


    4. Lock in Your Rate Strategically

    Mortgage rate locks protect you from rate increases during the homebuying process. Locks typically last 30–60 days, but longer locks may cost more. If you believe rates might drop soon, consider a shorter lock or a float-down option if your lender offers it.


    5. Explore Down Payment Assistance

    First-time homebuyers may qualify for grants or low-down-payment programs, like the Downpayment Toward Equity Act, which could provide up to $25,000 in assistance (pending availability.




    The Impact of Mortgage Rates on Your Homebuying Journey

    High mortgage rates affect more than just your monthly payment—they influence how much home you can afford. For instance, at a 6.74% rate, a $3,000 monthly budget buys you a home worth about $450,000. At a 3% rate, that same budget could afford a $600,000 home. This gap highlights why current mortgage rates are a critical factor for U.S. buyers.


    Should You Buy Now or Wait?

    The decision to buy now or wait depends on your financial situation and goals:

    Buy Now If: You find a home you love, can afford the payments, and plan to stay long-term. Locking in a rate now protects you from future increases.

    Wait If: You’re stretching your budget or expect your financial situation (e.g., credit score or savings) to improve significantly in the next 6–12 months.




    Refinancing in 2025: Is It Worth It?

    If you’re a homeowner with a rate above 7%, refinancing could save you money if you secure a lower rate. For example, refinancing a $360,000 loan from 7% to 6.5% could reduce your monthly payment by about $100 and save you $36,000 in interest over 30 years. However, refinancing makes sense only if:

    • You plan to stay in the home long enough to recoup closing costs (typically 2–5% of the loan amount).
    • Your current rate is significantly higher than mortgage rates today (e.g., 1% or more).
    • Your credit and financial profile qualify you for a competitive rate.




    Final Thoughts: Take Control of Your Mortgage Journey

    The question on every homebuyer’s mind Are mortgage rates going down? doesn’t have a clear answer, but one thing is certain: preparation is key. By understanding mortgage rates today, shopping around, and optimizing your finances, you can secure the best possible deal in 2025’s volatile market. Whether you’re a first-time buyer or a seasoned homeowner, staying informed about current mortgage rates and acting strategically will help you achieve your homeownership goals.




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    Home Loans
    Financial Planning
    Mortgage Rates
    2025-07-14 ·  4 months ago
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