Higher Rates Could Actually Help Housing Supply – Here’s How.


You may have heard the number of homes for sale isn’t growing like it was. And maybe that has you worried you won’t find a home you love when it’s time to make your move.

But that may be about to change. Here’s why your pool of options may actually start ticking back up again.

Growth Has Slowed, But It Hasn’t Stopped

Active listings were up 2.1% year-over-year in July, according to Realtor.com. Back in January, inventory was up 10%. And in May of 2025, it was up 31.5%. So, growth has cooled off a lot over the last year.

The past 3 months, though, have all seen inventory growth land in roughly the same range, which is a sign this slowdown may be nearing its floor (see graph below):

a graph of growth in a blue background

So, what does that mean for you?

Homes are still coming onto the market. Every single one of these bars shows a period where inventory grew. So, don’t be discouraged or let this make you think you’re out of options. Plus, we’ve seen more stability in the numbers lately, which is a good sign.

The Most Homes for Sale Since 2019

Compared to the rock-bottom lows of 2021, inventory has climbed back substantially. Nationally, the number of homes for sale has been up year-over-year consistently now for 33 months. And inventory has almost doubled in just a few years. So don’t get too hung up on the pace of that increase.

This July was actually the best July for inventory since 2019 (see graph below):

a graph of blue bars with white text

Now, the market still needs about 150k listings to get back to pre-pandemic levels, but things are quickly approaching normal. And experts think we may even be back to 2019 levels by the end of this year, even with the slowdown we’ve already seen.

And that’s thanks to one unlikely factor: mortgage rates. 

Why Higher Rates May Actually Help Inventory Grow

It works like this. When mortgage rates climb, inventory tends to climb with them. As Mike Simonsen, Chief Economist at Compass, explains:

“When rates rise; inventory rises. When rates fall; inventory falls. So, from July last year to March this year, rates ease lower and all the inventory growth of the past several years evaporated. If rates move higher from here or stay elevated for [a] longer period of time, then we should expect supply to build again.”

Well, rates are expected to hold in the mid-to-upper 6% range for a while longer, and Realtor.com‘s latest forecast has inventory ending 2026 up 3.6% year-over-year.

That means 2 things:

  • Inventory growth is forecast to pick up a little bit throughout the rest of the year.

  • And, inventory is projected to close the year at a historically normal level, right about where it stood at the end of 2019.

For buyers, that’s a win. Even if today’s rates aren’t your favorite, they’re helping the number of homes on the market to grow. And more homes for sale means more choices, more room to negotiate, and less pressure to rush your search.

Bottom Line

The number of homes for sale is growing slowly but surely, and that means more options for your move. Want to see what’s available in your area? Reach out to a local real estate agent.




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Get a full-size Keychron mechanical keyboard for just $29 — 50% off this 104-key wired keeb with your choice of Keychron Super Brown or Red switches



If you’re in the market for a full-size mechanical keyboard and don’t want to spend a lot of money, Woot has a deal for you. Keychron’s C2 Pro full-size mechanical keyboard is on sale for only $29.99 (50% off) when using the code KEYCHRON at checkout and is at an all-time low price. If you’re new to Woot, you get an additional $5 off with the same code, bringing the price down to an incredibly low $24.99.

The C2 Pro wired keyboard uses a full-size (100%) layout. It includes premium features like QMK support for per-key programming, a 1,000 Hz polling rate, and south-facing RGB to reduce potential interference with Cherry-profile keycaps. It also supports Windows and Mac OS systems, and you can even configure different keymaps for Mac and Windows devices. It uses double-shot PBT caps with a curved OEM profile, while underneath you can choose between Keychron Super Brown (Tactile) or Super Red (Linear, quiet) switches, both pre-lubed for a better feel and sound profile.


The C2 is one of Keychron’s budget models, so you won’t find fancy displays or knobs. In that light, it uses a plastic frame to house all the internals, but I found it to be surprisingly rigid for a plastic full-size. My wife used this keyboard with the red switches, and I could barely hear the clickity-clack of keys from her home office down the hall from mine. The RGB lighting offers a soft glow from under the keys, and you can easily cycle through 22 pre-programmed light shows to match your mood (or just shut it off). It’s also ergonomic with three levels of adjustable typing angles.

While there are tons of inexpensive no-name keyboards out there, finding a name brand like Keychron for under $30 ($25 if you’re new to Woot!) means you don’t have to worry about buying something that’s hands-down worse than the C2 Pro. Woot deals don’t last long, so jump on this deal before it disappears.



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Tom’s Hardware Innovation Awards 2026: Progress amid turmoil


The tech industry faces unprecedented challenges as the continued disruption from AI-driven shortages has driven pricing to record highs and supplies to record lows.

However, even amidst the damage we’ve seen in the PC market, the industry is still moving forward, giving us plenty of new devices over the last year that continue to push the bar higher.



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DDR5 scalper bots now outnumber shoppers 10 to 1 — automated scraping hits listings every 6.5 seconds as 32GB kits surge from $72 to $392, DataDome researcher says


Bad bots account for 91% of the traffic reaching one retailer’s DDR5 memory product pages, roughly 10 automated requests for every legitimate visit, according to a LinkedIn post this week from Jérôme Segura, VP of threat research at bot-mitigation firm DataDome. The figure updates research DataDome published in March, which measured the ratio at about 6:1 across several e-commerce sites.

Over the same period, the cheapest 128GB DDR5-6400 kit tracked by Tom’s Hardware has reached $3,399, ten times its record low pricing. The Thales 2026 Bad Bot Report puts bad bots at 40% of all web traffic, less than half the share Segura reports on DDR5 listings.



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Cooler Master V Platinum 3000 power supply review: Verified Platinum efficiency for workstations, with a stellar 12-year warranty


Why you can trust Tom’s Hardware


Our expert reviewers spend hours testing and comparing products and services so you can choose the best for you. Find out more about how we test.

Cooler Master occupies an unusual position in the power supply market. Founded in Taiwan in 1992 and best known for the cases and coolers that made its name, the company has spent more than two decades selling PSUs without ever being a PSU manufacturer in the strict sense. Like most brands in this space, it commissions platforms from a rotating cast of OEMs, and the quality of a given Cooler Master unit has historically tracked the quality of whoever built it. The V series sits at the top of that catalog, and it is the line where Cooler Master has consistently spent money on the platform rather than on the sticker.

The V Platinum 3000 Workstation is something else again. Announced at the end of July 2026, it is Cooler Master’s entry into the multi-kilowatt category that SilverStone opened with the Hela 3000RZ, and Thermaltake followed with the AX-3200, aimed squarely at multi-GPU AI development boxes and rendering workstations rather than at anything that could reasonably be called a home and/or gaming PC. The headline numbers are a single 12V rail rated at 250A, four native 12V-2×6 connectors, twelve PCIe 6+2 connectors, twelve SATA and four Molex, all fed from a 202 mm chassis with a twelve-year warranty behind it. The catch is on the input side: this unit accepts 220-240 VAC only, drawing up to 16A through an IEC C20 inlet, and it shuts down when the AC line drops below roughly 170 VAC. There is no 115 VAC operating mode, which is why every measurement in this review was taken at 230 VAC. We await the pricing announcement to ascertain where the V Platinum 3000 Workstation ranks among our list of best power supplies today.

Specifications and Design

Swipe to scroll horizontally
Cooler Master V Platinum 3000 Workstation — Power specifications ( Rated @ 45 °C )

RAIL

+3.3V

+5V

+12V

+5Vsb

-12V

MAX OUTPUT

22A

22A

250A

3A

0.3A

Row 2 – Cell 0

120W

120W

3000W

15W

3.6W

TOTAL

3000W

Row 3 – Cell 2 Row 3 – Cell 3 Row 3 – Cell 4 Row 3 – Cell 5

AC INPUT

220 – 240 VAC, 50 – 60 Hz, 16A

Row 4 – Cell 2 Row 4 – Cell 3 Row 4 – Cell 4 Row 4 – Cell 5

MSRP

TBA

Row 5 – Cell 2 Row 5 – Cell 3 Row 5 – Cell 4 Row 5 – Cell 5

In the Box

The V Platinum 3000 Workstation ships in a plain kraft carton wrapped in a deep blue sleeve, with a render of the unit on the front and the badges laid out along the bottom edge: 80 PLUS Platinum (230V EU), the twelve-year warranty shield, a Japanese capacitor callout, and the ATX 3.1 with 12V-2×6 and PCIe 5.1 Ready logos. It is a restrained, business-like presentation, and appropriately so. Nobody buying a 3000W workstation supply rates shelf appeal as top priority. We should note that the 80 PLUS certification is not published on CLEAResult’s public database at the time of this review.

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Cooler Master V Platinum 3000 Workstation

(Image credit: Tom’s Hardware)



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One Number Could Change Everything About Your Next Move


When’s the last time someone told you what your house is worth? Not what some online valuation tool guessed. Not what your neighbor’s house sold for. What yours is actually worth right now.

For a lot of homeowners, it’s been years. And if you’ve been thinking about moving, but higher home prices or mortgage rates have made you hesitate, here’s why it’s time to take a second look at that number.

Your House May Be Worth More Than You Think

Home values have climbed significantly over the past 5-10 years. And even though today’s market is more balanced, homeowners are building wealth every day just by owning their homes. That’s how equity works. As home values rise, and as you make your monthly payments, your equity grows. And it adds up fast.

According to Cotality, the typical homeowner with a mortgage now has $310,500 in equity. That’s not a small number. It’s six figures.

And that’s only the national average. In many states, homeowners have built even more equity than that. Take a look at the map below and see where your state stands. The darker the blue, the more equity the typical homeowner has there (see map below):

a map of the united statesEven though every local market is different, the question you should be asking right now is the same: How much equity have you built up?

Because if you don’t know that number, you’re missing out.

This Could Be the Missing Piece in Your Move

Most people assume that because prices are higher and rates aren’t at 3% anymore, moving just isn’t realistic right now, especially if they already have an ultra-low rate. And that’s understandable – those are real factors.

But they’re not the only factors.

When you have that much equity in your house, you’re not starting from scratch. You’re not scraping together a down payment or hoping the numbers work. You’re walking into your next move with more of an advantage than you think. And that changes the math. 

What Your Equity Can Do for You

Maybe you’ve outgrown your current house or you’re ready to downsize… The equity you’ve built could help bridge the gap between where you are today and where you want to be next.

Yes, your next house may cost more than your last one did. But your equity could cover a big chunk of that difference. Depending on how much you’ve built, it could help you:

  • Lower your monthly payment on your next home. The bigger your down payment on your next place, the less you have to borrow. And with today’s rates, borrowing less can make a big difference in what you pay every month. 

  • Buy your next house with all cash. This surprises a lot of people, but some homeowners have built enough equity to buy their next home outright, in cash. According to the National Association of Realtors, more than one-quarter (26%) of repeat buyers paid all cash for their home in July. 

  • Transform the home you already have. Love your neighborhood but not your floor plan? You don’t have to move. Your equity could help fund renovations that make your home fit your life today while potentially adding value for tomorrow.

Your equity doesn’t erase the challenges of the current market. But it does mean you’re walking into your next move with a lot more power and flexibility than you think.

That’s why the value of your home isn’t something you should have to wonder about. 

If you’re even thinking about a move – or if you’re just curious what your options might be – the smartest thing you can do is get a Professional Equity Assessment. It’ll give you a real, market-based evaluation of what your house is really worth right now and how much equity you’re working with.

Because once you see the number, maybe it’s not about whether you can afford to move – it’s about what kind of move makes sense for you.

Bottom Line

If it’s been a while since you’ve gotten a professional look at your home’s value, it’s time to change that. 

Reach out to a local real estate agent for a free, personalized Home Equity Assessment that estimates what your house could sell for, how much equity you’ve likely built, and what that could mean for your next move.

You may have six figures of equity without even realizing it. And that’s enough to change everything about your next move.




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Emergency Fund 101 – A Realistic Savings Plan


Most people know they need an emergency fund. Few people have one that can survive a real crisis. A cracked laptop screen, a sudden medical bill, or a few weeks without pay can turn into a financial spiral. The reason is simple: there was no cushion in place.

The good news is this: you do not need a high income to build one. You need a plan that fits your life, and a clear reason to follow it.

This guide covers what an emergency fund is for, how much you need, where to keep it, and how to build one on a tight budget.

What an Emergency Fund Is For

An emergency fund covers costs that are sudden, urgent, and needed. A holiday sale is not an emergency. A leaking roof is. A new phone because the old one feels outdated is not an emergency. A phone that breaks and is needed for work is.

This money stops sudden costs from turning into debt. Without a fund, one bad month can push you toward credit cards or loans with high interest. That debt often outlasts the emergency that caused it.

An emergency fund also changes how you handle stress. People with a buffer make calm choices when something goes wrong. Without one, every bill feels like a crisis. With one, the same bill becomes a task. You handle it and move on.

Think of the fund as a shock absorber. It does not stop bumps in the road. It just stops them from breaking the car.

How Much You Need

The standard advice is three to six months of basic costs. That target is useful, but it can feel out of reach when you start from zero. A better plan is to break it into stages.

Stage one: a starter fund. Save a few hundred dollars to cover small problems like a car repair or a broken appliance. This stage stops minor issues from landing on a credit card.

Stage two: one month of costs. This covers rent, bills, food, and transport for a full month. Once you reach this stage, a missed paycheck will not cause a crisis right away.

Stage three: three to six months of costs. This is the full safety net. It covers job loss, a long illness, or a major cost you did not see coming. If your income changes month to month, aim closer to six months.

Work through the stages in order. Reaching stage one in a few weeks builds more drive than waiting years to hit stage three.

Where to Keep the Money

Keep the fund somewhere you can reach, but not somewhere you touch every day. A regular checking account makes it easy to spend the fund without noticing. A retirement account locks it away with fees, which defeats the point.

A separate savings account works best. Pick one that pays some interest if you can. Keeping it apart from daily spending makes it easier to leave alone. Some people use a savings account at a different bank. This adds a small gap between the money and a debit card at checkout.

Build the Habit, Not Just the Balance

The habit matters more than the amount at the start. A fixed transfer on payday, even a small one, beats deposits made only when money feels spare.

A few methods that work:

Automate the transfer. Move money into the fund the same day your income arrives. Treat it like a fixed bill. This removes the need for willpower.

Start small. A transfer that feels too small to matter is easier to keep up than one that strains your budget. Steady deposits build the fund faster than a burst of effort that stops after two months. Small and steady wins over big and short.

Redirect windfalls. Put tax refunds, bonuses, or gifts toward the fund, since these amounts were never part of your regular budget. Even half of a windfall moves the fund forward without touching daily spending.

Cut one recurring cost. Check your subscriptions and memberships. One unused service, once cancelled, can fund a steady monthly transfer without any change to your daily life.

Track your progress. Use a spreadsheet or a savings app to watch the balance grow. Progress you can see is easier to stick with than progress that stays in your head.

Mistakes That Slow You Down

A few habits tend to slow progress, even with good aims.

The most common mistake is spending the fund on non-emergencies. Once it covers a trip or a sale, it stops working as a safety net. The next real emergency finds an empty account.

Waiting for extra money before you start is another mistake. Emergency funds grow through steady habits, not through a perfect moment that rarely shows up.

Putting the fund in stocks or other risky assets is a quieter mistake. This money needs to stay stable and easy to reach. A market drop at the wrong time can shrink the fund right when you need it.

Chasing a full six-month target before you deal with high-interest debt can also backfire. In many cases, a small starter fund paired with steady debt payments works better than a large fund sitting next to growing interest charges. Pick the path that clears the most costly debt first, then build the fund back up.

Rebuild After You Use It

Using the fund is not a failure. It is doing its job. What matters next is the rebuild. Restart the automatic transfer right away, instead of waiting for a better time. This keeps the habit alive and stops the fund from sitting empty for months.

Write down what the money went toward. Over time, this record shows which costs count as real emergencies. That makes future plans more exact and cuts down on guesswork.

Treat the rebuild like the first climb. Start with a small, steady transfer, and let the balance grow one deposit at a time.

Final Thoughts

An emergency fund is not about hitting a perfect number. It is about the calm it gives you. It turns a sudden cost from a crisis into a task you handle and move past.

Start small. Automate the process. Keep the fund apart from daily spending. These steps turn a good aim into a safety net. You can count on it when life takes a sharp turn.



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Player builds working AI chatbot in vanilla Minecraft using 445K command blocks — clever approach shrank initial block count from over 1 million, requires no mods, plugins, or datapacks to work


Anyone who’s played Minecraft for a while is familiar with community creations like in-game graphing calculators, QR code generators, and Tetris games built using command blocks, mods, and far too much free time. Building AI tools is a logical next step, and several complicated projects have arisen in that vein using redstone. Reddit user Objz, however, implemented an LLM using only 445,782 command blocks and no mods, plugins, or datapacks. By its creator’s description, the project was “a headache.”

Objz’s LLM isn’t actually that large. It only has a 64-dimensional embedding space, a 256-neuron hidden layer, and a tiny vocabulary of 2,048 words, and was trained on 11,118 DailyDialog conversations. Users can talk to it using the game’s “/dialog” functionality, and the output stream comes back one word at a time, as with typical chatbots.



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