Even a slight change in a home loan’s interest rate can accumulate into major savings for homeowners over time. This article explores the value of locking in your mortgage rate and why every fraction of a percentage point matters.

The U.S. Mint ended penny production on November 12, 2025, drawing to a close over 230 years of minting America’s smallest denomination coin. The Treasury Department projects this will save approximately $56 million annually, prompting debate on the penny’s sentimental and economic value.