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Current Mortgage Rates: December 26, 2024
Current mortgage rates main takeaways:
- According to Moneyâs daily survey, the average rate on a 30-year fixed-rate mortgage is 7.171%.
- Moneyâs 30-year refinance rate is averaging 7.254%.
- Freddie Macâs average rate for a 30-year fixed-rate mortgage increased by 0.13 percentage points to 6.85%, its highest level in a month.
- Freddie Macâs current rate for a 15-year fixed-rate mortgage is averaging 6.00%, up by 0.08 percentage points.
Mortgage rate trends
Mortgage rates increased for the second week in a row, with the 30-year rate moving closer to 7% once again. Higher rates are likely to keep some prospective buyers off the market. However, there could be good news in 2025 if economic conditions remain healthy.
Sam Khater, Freddie Macâs chief economist, wrote in a press release that âA strong economy can help build momentum heading into the new year.â
Average mortgage and refinancing rates for December 26, 2024
Average mortgage rates for December 26, 2024 |
|
Loan terms |
Latest rates |
30-year fixed-rate mortgage |
7.171% ? 0.061% |
15-year fixed-rate mortgage |
6.555% ? 0.058% |
7/1Â ARM |
6.494% ? 0.01% |
10/1Â ARM |
6.869% ? 0.016% |
Average mortgage refinance rates for December 26, 2024 |
|
Loan terms |
Lastest rates |
30-year fixed-rate refinance loan |
7.254% ? 0.061% |
15-year fixed-rate refinance loan |
6.568% ? 0.039% |
7/1Â adjustable-rate refinance loan |
6.615% ? 0.013% |
10/1Â adjustable-rate refinance loan |
6.875% ? 0.017% |
 |
Beginning on July 31, Moneyâs daily mortgage rates are a national average and reflect what a borrower with a 20% down payment, no points paid and a 780 credit score â considered an excellent score that qualifies a borrower for the best rates â might pay if they applied for a home loan right now. Each dayâs rates are based on the average rate 8,000 lenders offered to applicants the previous business day. Your individual rate will vary depending on your location, lender and financial details.
These rates differ from Freddie Macâs, which represent a weekly average based on a survey of quoted rates offered to borrowers with strong credit, a 20% down payment and discounts for points paid.
If youâre offered a higher rate than expected, make sure to ask why and compare offers from multiple lenders. (Moneyâs list of the Best Mortgage Lenders is a good place to start. Homeowners considering a mortgage refinance should consider our list of the Best Mortgage Refinance Companies.)
Use Moneyâs mortgage calculator to estimate your monthly payment, considering different rate scenarios.
Freddie Macâs mortgage rates for the week ending December 26, 2024
Freddie Mac mortgage rate trends
For its weekly rate analysis, Freddie Mac looks at rates offered for the week, ending each Thursday. The average rate roughly represents the rate a borrower with strong credit and a 20% down payment can expect to see when applying for a mortgage right now. Borrowers with lower credit scores will generally be offered higher rates.
Current mortgage rates guide
Mortgage rates, along with home prices, are an important part of the formula for homeownership. Most importantly, they can be key in determining how much home you can afford to buy. This guide answers some of the most common questions about rates and how they affect the housing market.
Types of mortgage rates
When shopping for a mortgage, you may be offered two types, each with a different interest-rate arrangement: fixed-rate and adjustable-rate loans. Understanding the difference between the two is important to decide which will best suit your needs.
Fixed-rate mortgages
As the name implies, fixed-rate loans have a stable interest rate which wonât change for the loanâs duration. The most common term lengths are 30 and 15 years, although some lenders offer other options. Generally, the interest rate on a 30-year loan will be higher than that on a 15-year loan, but the monthly payment will be lower because youâre extending the payback period.
Most home buyers prefer fixed-rate loans because they donât change; the monthly mortgage payments are relatively constant throughout the life of the loan. However, other costs typically rolled into the mortgage, like homeowners insurance and property taxes, can change, leading to variations in your monthly payment over time.
Adjustable-rate mortgages (ARMs)
The interest rate on adjustable-rate mortgages does not adjust from the beginning. Rather, the rate will be fixed for a predetermined number of years. Once that fixed period ends, the rate becomes variable and adjusts at a regular interval, known as the âadjustment periodâ â with the period length defined in the mortgage terms. Depending on market conditions, rates could increase or decrease at the end of each period.
The most common terms for ARMs are 5/6 loans, in which the interest rate is fixed for five years and then starts to adjust every six months. There are also options for 7/6 loans and 10/6 loans. Because the interest rates on ARMs tend to be lower than those on fixed-rate loans during the initial (fixed-rate) phase, these adjustable loans are a good option for borrowers who donât plan to stay in the home beyond the fixed-rate period of the loan.
Other information you should know about mortgage rates
When comparing rates from different lenders, youâll see two different numbers: the interest rate and the annual percentage rate (APR).
The interest rate is what a lender will charge on the principal amount being borrowed. Consider it the basic cost of borrowing money for a home purchase.
An APR represents the total cost of borrowing money. It includes the interest rate plus any fees associated with generating the loan. The APR will always be higher than the interest rate.
For example, a $300,000 loan with a 3.1% interest rate and $2,100 in fees would have an APR of 3.169%.
When comparing rates from different lenders, look at the APR and the interest rate. The APR will represent the true cost over the full term of the loan and includes other costs like loan origination and lender fees. The interest rate is how much interest the lender charges on the borrowed loan amount, not including additional fees. Youâll also need to consider what you can pay upfront versus over time.
Mortgage refinance rates
Homeowners may decide to refinance for any number of reasons, including lowering their interest rate, changing the term of their loan, or tapping into their home equity. Refinance rates tend to be higher than purchase rates, so carefully consider the pros and cons when determining whether a ârefiâ is the right step.
Factors affecting todayâs mortgage rates
Rates alone do not fully determine the cost of the loan and the size of your monthly payment. The following factors, which are detailed in the loan disclosures provided by your lender, also come into play.
Loan term
As a general rule, the longer the loan, the smaller the payments, but the more costly the loan overall. Choosing a 15-year mortgage instead of a 30-year one will increase the monthly mortgage payment but reduce the amount of interest paid throughout the life of the loan.
Loan type
With a fixed-rate mortgage loan, payments remain the same throughout the loanâs life. The mortgage rates on adjustable-rate mortgages reset regularly (after an introductory period), and the monthly payment changes with it.
A mortgage whose size exceeds the federal loan limit is known as a âjumboâ or ânon-conformingâ loan. Such mortgages usually have lower rates but more stringent credit requirements.
Taxes, HOA fees, insurance
Home insurance premiums, property taxes and homeowners association fees are often bundled into your monthly mortgage payment. Check with your real estate agent to get an estimate of these costs.
Private mortgage insurance
Private mortgage insurance can cost up to 1.5% of your home loanâs yearly value. Borrowers with conventional loans can avoid private mortgage insurance by making a down payment of at least 20% of the cost of the property or by accumulating equity thatâs equal to 20% or more of the mortgage principal. FHA borrowers pay a mortgage insurance premium throughout the life of the loan.
Closing costs
Closing costs include origination fees and other loan expenses. These extra charges typically total between 2% to 5% of the mortgage value, and are usually paid upfront. Some buyers finance their new homeâs closing costs into the loan, adding to the principal and increasing monthly payments.
Loan-to-value ratio (LTV)
The LTV measures the risk a lender is taking by financing a property. The figure compares the loan amount to the homeâs value. The higher the LTV, the higher the risk for the lender â and, ultimately, the higher the mortgage rate for the borrower.
Economic factors
Lenders use several factors to set mortgage rates every day. While every lenderâs formula will be slightly different, it will factor in the current federal funds rate (a short-term rate set by the Federal Reserve), competitorsâ rates and other factors â sometimes including how many staff they have available to underwrite loans. Your qualifications as a borrower will also affect the rate you are offered.
In general, rates track the yields on the 10-year Treasury note. Average mortgage rates are usually about 1.8 percentage points higher than the yield on the 10-year note. In times of economic uncertainty, such as periods of high inflation, Treasury yields tend to rise. That, in turn, pushes all types of interest rates higher, including those on home loans.
How mortgage rates affect affordability
The rate on your mortgage can make a big difference in how much home you can afford and the size of your monthly payments. Thatâs true whether buying your primary residence, an investment property or refinancing an existing loan.
Hereâs an example. If you bought a $250,000 home and made a 20% down payment â of $50,000 â you would end up with a starting loan balance of $200,000. On a $200,000 home loan with a fixed rate for 30 years, hereâs what you would pay:
- At a 3% interest rate = $843 in monthly payments (not including taxes, insurance, or HOA fees)
- At a 4% interest rate = $955 in monthly payments (not including taxes, insurance, or HOA fees)
- At a 6% interest rate = $1,199 in monthly payments (not including taxes, insurance, or HOA fees)
- At an 8% interest rate = $1,468 in monthly payments (not including taxes, insurance, or HOA fees)
Experimenting with a mortgage calculator allows you to find out how much a lower rate or other changes could impact what you pay. A home affordability calculator can also estimate the maximum loan amount you may qualify for based on your income, debt-to-income ratio, mortgage interest rate and other variables. The Consumer Financial Protection Bureau can also provide a range of rates being offered by lenders in each state.
How to get the best mortgage rate
One of the most effective ways to find the best mortgage rate is to shop around. According to Freddie Mac, borrowers who get a rate quote from just one additional lender save an average of $600 over the life of the loan. Those savings go up to $1,200 if you get three quotes. A larger down payment amount will also result in a lower interest rate.
The best mortgage lender for you will be the one that can give you the lowest rate and the terms you want. Your local bank or credit union is one place to look. Online lenders have expanded their market share over the past decade and promise to get you pre-approved within minutes.
You can also lower the offered rate if you buy discount points, which are also known as mortgage points. A point typically costs 1% of the loan amount and can reduce the interest rate by 0.25 percentage points.
Compare loan options, rates and terms, and make sure your lender has the type of mortgage you need. Not all lenders write FHA loans, USDA-backed mortgages or VA loans, for example. If youâre unsure about a lenderâs credentials, ask for its NMLS number and search for online reviews.
Once you find the best rate, get a rate lock to guarantee it wonât change before you can close the loan. Getting a preapproval letter can also help.
Current mortgage rates FAQ
When will mortgage rates go down?
Mortgage rates have been trending lower after hitting a high of 7.08% last November. While most experts believe rates will eventually move into the 5% range, borrowers should expect them to remain between 6% and 7% for the foreseeable future.
Should I lock in my mortgage rate today?
Yes. Obtaining a mortgage rate lock as soon as you have an accepted offer on a house (and find a rate you’re comfortable with) can help guarantee a competitive rate and affordable monthly payments on your loan. A rate lock means that your lender will guarantee your agreed-upon rate, typically for 45 to 60 days, regardless of market fluctuations. Ask your lender about “float-down” options as well, which allow you to snag a lower interest rate if average rates drop during your lock period. This option usually comes with a fee that ranges between 0.50% and 1% of the loan amount.
What are discount points on a mortgage?
Discount points are a way for borrowers to reduce the interest they pay on a mortgage. By buying points, you’re basically prepaying some of the interest the bank charges on the loan. In return, you get a lower interest rate, which can lead to lower monthly payments and additional savings on the cost of the loan over its full term. Each mortgage point normally costs 1% of your loan amount and could shave up to 0.25 percentage points off your interest rate.
Why is my mortgage rate higher than average?
You may have a higher-than-average mortgage rate for a number of reasons. Credit scores, loan terms, interest rate types (fixed or adjustable), down payment size, home location and loan size will all affect the rate offered to individual home shoppers. One of the best ways to lower your rate is to improve your credit score.
Different mortgage lenders offer different rates. It’s estimated that about half of all buyers only look at one lender, primarily because they tend to trust referrals from their real estate agent. But shopping around for a lender will help you snag the lowest rate out there.
Should I refinance my mortgage when interest rates drop?
Refinancing your mortgage when interest rates drop could make sense if it provides a tangible benefit; be it lower monthly payments or a shorter loan term. Determining whether now is the right time to refinance your home loan involves a number of factors. Most experts say you should consider refinancing if your current mortgage rate exceeds today’s rates by at least 0.50 percentage points. But since there are fees involved, it doesn’t make sense to refinance every time rates inch down.
Summary of current mortgage rates
- According to Moneyâs daily survey, the average rate on a 30-year fixed-rate mortgage is 7.171%.
- Moneyâs 30-year refinance rate is averaging 7.254%.
- Freddie Macâs average rate for a 30-year fixed-rate mortgage increased by 0.13 percentage points to 6.85%, its highest level in a month.
- Freddie Macâs current rate for a 15-year fixed-rate mortgage is averaging 6.00%, up by 0.08 percentage points.
Christmas with Zenith: A Season of Precision
As the festive season casts its magical glow, there is no better time to celebrate moments that matter. Zenith, master of chronographs and precision, brings brilliance to this time of year. From their iconic chronographs to contemporary marvels, each Zenith timepiece is a reminder to cherish every second.
Santaâs not the only one who knows how to keep perfect time. Meet the Master of Chronographs!
Zenithâs legacy in precision chronometry takes centre stage this festive season with a trio of chronographs that epitomise the art of timekeeping, blending heritage with contemporary elegance. Across Zenithâs family of creations, the El Primero remains a constant throughout, existing as the pride and eternal soul of the Le Locle-based manufacture.
The Chronomaster Sport Green Dial is a vibrant tribute to Zenithâs pursuit of precision. Its striking green ceramic bezel and matching lacquered dial are paired with the iconic tricolour counters in shades of grey and blue. Whether the watch is fitted on the classic steel bracelet or the green rubber strap, this sporty yet refined chronograph is ideal for those who appreciate precision and performanceâ in one compelling watch. For those seeking the extraordinary, the gem set Chronomaster Sport redefines opulence. A rose gold case adorned with baguette-cut diamonds, sapphires, and spinels and a meteorite dial bring celestial sparkle to your wrist.
Conversely, the Pilot Collection channels the adventurous spirit of aviation pioneers. The Pilot Automatic, featuring a 42.5mm black microblasted ceramic case, horizontal-grooved dial, and oversized crown, merges precision with timeless style. The high-frequency El Primero 3620 movement ensures flawless timekeeping accuracy, while the quick-change strap system adds versatility, making it a perfect companion for dreamers and adventurers alikeâ.
Architectural design meets high-performance engineering in the DEFY Skyline Chronograph. Its 42mm stainless steel case features a dodecagonal bezel, reflecting an urban and edgy aesthetics. The âstarry skyâ patterned dial is rendered in captivating shades of blue, black, or silver tones that pair perfectly with the watchâs geometric design. The exceptional high-frequency El Primero 3600 movement boasts a 1/10th-second chronograph and delivers a 60-hour power reserve that can keep up with even the busiest holiday schedules.
âHow fast is too fast? Discover El Primeroâs lightning speed, faster than that of a reindeer on Christmas Eve!â
When it comes to sheer precision and unmatched chronograph recording speed, Zenithâs chronographs are in a league of their own. At the heart of it is Zenithâs iconic high-frequency El Primero chronograph movement designed for those who thrive on dynamic energy and cutting-edge performance. This festive season, embrace the exhilaration of perfect timing with models that exemplify Zenithâs El Primero ethos that is as swift and spectacular as Santaâs sleigh.
Housed within the extraterrestrial-like fully mirror-polished stainless steel exterior of the DEFY Extreme Mirror is the pinnacle of Zenithâs chronograph innovations, the El Primero Calibre 9004. The double escapement movement features two independent high-frequency regulating organs for the timekeeping (5Hz) and chronograph function (50Hz) that offer unparalleled levels of precision. While the extra 1Hz over industry standards of 4Hz does not seem much, the current holders of the worldâs fastest automatic high-frequency chronograph calibre in production will certainly be a party trick to impress Christmas guests. Once activated, the chronograph hands whizzes in double quick time and can record 1/100th of a second.
The most recently launched DEFY Extreme Jungle houses the same El Primero Calibre 9004, albeit in a different case execution. The monolithic design makes way for an expressive design reminiscent of jungle scapes with a green and brown colour combination. Part of the collectionâs allure is incorporating exotic materials into the case structure, which sees the dodecagonal bezel and pusher protectors fashioned from precious tigerâs eye quartz. While the burly 45mm timepiece might seem like a wrist weight, its titanium case significantly reduces heft without compromising robustness and toughness.
Zenithâs Watches & Wonders 2024 poster child, the DEFY Extreme Diver, rounds up the Le Locle manufactureâs high-frequency movement showcase. Unlike its two counterparts, the DEFY Extreme Diver is powered by the 5Hz three-handed El Primero 3620 SC movement. This might raise an eyebrow or two, but not all El Primero calibres are chronographs after Zenith introduced the time-only iteration of the calibre in 2022 DEFY Skyline. Given the watch resides firmly within the DEFY Extreme lineup, much of its aesthetic appeal lies in the robust construction and the characteristic dodecagonal bezel. Water resistance is naturally higher since this is a dive watch, coming in at 600m, three times that of the chronograph duo mentioned here.Â
âTime to reach for your star? The limited and boutique edition watches might just outshine the Christmas star.â
The holidays are a time to celebrate brilliance, and Zenithâs exclusive creations embody the spirit of reaching for something extraordinary. These limited and boutique edition watches are more than just timekeepers â they are celestial statements that capture the magic of the season. And as apt as Zenithâs slogan âTime to reach your starâ gets, it is time to gift yourself or a loved one a piece of the stars.
After Zenith unveiled the DEFY Skyline Chronograph at Watches & Wonders 2024, the slate grey and gold iteration takes the honours as the collectionâs first-ever boutique-exclusive edition. The collection known for its âstarry skyâ dial sees gold stars, watch hands and hour indices juxtaposed against a slate grey base. While this combination is not new in the watch world, it is still a unique enough palette that departs from Zenithâs bread-and-butter blue, black and white trio and lends a touch of sophistication to the sports chic chronograph.
One of Zenithâs âreturn to formâ sees the iconic Chronomaster Triple Calendar reprise its appearance amongst Zenithâs contemporary offerings. The Chronomaster Original Triple Calendar takes the much-loved double complication, a chronograph and triple calendar, and makes it even better with a neo-vintage touch. An olive green reverse panda chronograph execution reserved solely for Zenith boutiques comes in a 38mm case in line with its 1969 predecessorâs blueprint. Within the watch lies the high-frequency El Primero Calibre 3610.
Blue is one of Zenithâs signature colours, and it only fits that the boutique exclusive Pilot Automatic, imagined for the skies and horizons, comes in a deep blue dial. The revamped Pilot collection sees all but one detail changed: the âPilotâ signed dial, which only Zenith holds the right to mark its dials with the term. Apart from that, the telling differences include a rounded stainless steel case with a flat-top round bezel and a corrugated-inspired grooved dial with a big date. The patented complication is powered by the El Primero 3652, which is geared to allow the date change to jump and stabilise within 0.007 and 0.02 seconds, respectively.
âDid you know Zenith watches get special treatment too? Wrapped with care, straight from Santaâs elves to your wrist!â
Pop by the Zenith Marina Bay Sands boutique to discover the wide range of chronographs for yourself. There is something truly magical about unwrapping a Zenith watch during the festive season. With thoughtful packaging and a touch of holiday charm, each timepiece is prepared with the same care Santaâs elves give to their most cherished gifts. Let Zenithâs craftsmanship make your celebrations unforgettable, right down to the details.Â
Visit the Zenith Marina Bay Sands boutique at Marina Bay Sands Singapore, 2 Bayfront Ave, B2M-205 Bayfront MRT Exit C, Singapore 018955
This article was first seen on Menâs Folio Singapore.
For more on the latest in luxury watchmaking reads, click here.
The post Christmas with Zenith: A Season of Precision appeared first on LUXUO.
Meet Charmaine Poh, The Singapore Artist Examining Social Relationships Through Art
Itâs been a busy time for Singapore-born, Berlin-based artist Charmaine Poh. With a practice spanning photography, media and performance, Poh explores ideas of agency, repair, and the body. Earlier this year, Poh was one of the first Singaporean artists to be shown in the 60th International Art Exhibition at the Venice Biennale 2024, one of the celebrated events in the international art world. More recently, Poh was announced as Deutsche Bankâs âArtist of the Yearâ 2025 and will debut a new commission at a solo exhibition at Berlin Art Week in September 2025.
As we speak, Poh tells me that she has freshly returned from a trip to Thailandâwith the team behind independent media platform Jom, of which she is the head of visual culture and mediaâand is about to jet set off to Italy, where sheâll be taking part in Visio â European Programme on Artistsâ Moving Images.
Ahead, Poh tells us more about her beginnings as an artist, the process of making her art, and how the notion of family ties into her practice.Â
Can you tell us how you began your artistic practice?
Charmaine Poh (CP):Â I didnât think Iâd become an artist. When I was studying International Relations at Tufts University, I took a class in documentary practice, which involved documentary photography, video, audio, and text. It was set up by a lecturer who was a war photographer. I quickly became obsessed with it, poring over photo books day in and day out, and thinking about the still image and its potential.Â
I was so riveted by how being a photographer can change your life: when youâre embedded in a situation, youâre engaging with the world around you. Youâre living in that moment with other people and that changes your life. This wasnât my major, but I spent virtually all my time on this.
I started with the performing arts, and I loved acting because it took me to another world. You have to be fully absorbed in the characterâs world and I found that photography and acting have that similarity.Â
I didnât understand what it meant to be an artist. I didnât come from any background with any generational influence over the arts, so it was certainly a gradual process.
When I graduated, I started to undergo mentorship programmes and youth opportunities to find a voice aesthetically and philosophicallyâall while finding some jobs to make money. It was really about cobbling together different parts of my life, and in 2015-2016, one of my projects Room was exhibited a lot more. So that was my start, and it took a long time, but then everything slowly came together.Â
What are your favourite things about the mediums of photography and film?
CP: (Compared to photography), video is not a static thing you hang on the wall. The type of ideas you want to execute have different facets as you tie together audio, moving image, and possibly performance. It becomes a lot more complex technically. Thatâs what my practice came to after working solely in photography for five years. I started to hunger for other ways to execute my ideas, so it seemed like a natural progression. Kin was my first video work.Â
Youâre currently based in Berlin pursuing your PhD in Visual and Performing Arts at Freie Universität Berlin. How has this fed into your artistic practice?
CP:Â In terms of grounding my thoughts theoretically, the programmeâs really helpful. Independent artistic work can feel unstructured and endless. With theoretical references and grounding, you can build a foundation for where youâre going, because thereâs an [artistic] canon and methodology. If you want to break the canon, thatâs fine, because you always have a point of reference to return to.
Much of your earlier works feature photographing portraits of womenâbe it school girls (Room (2016)); the ma jie (Chinese female migrant workers who served as domestic helpers in Singaporean households from the 1930s-1970s); Taiwanese butch culture (Pretty Butch (2018)); and women in the Singaporean workforce (All in her dayâs work (2017-2018)). What compelled you to tackle such a broad variety of subjects?Â
CP: I didnât really think about them as broad; I felt like each portrait spoke to a part of the human psyche. Room was about memory, youth, and adolescence, while Pretty Butch was a lot about the performance of identity and coming to terms with masculinity.Â
The ma jie project came through as an initial commission about Chinatown. Some artists and I were asked to make a work about Chinatown. The programme tried to connect us with different parts of Chinatown and I heard someone say there was a ma jie in a community centre, and I was like, âWhat is this?â
I started to research and look for them, and I was quite struck by their radical way of living. These ma jie stepped away from marriage and dedicated their lives to hard work, labour, and migration. [Their lives] entailed celibacy and they underwent a ritual of honour where they tied their hair up in a sor hei (combing up) ceremony. Itâs very under-recognised, and I felt passionately about it because I knew there were very few ma jie left. There were very few ma jie [when I shot the project], and even fewer now.
I find a personal connection to each project. Even if itâs not the lived experience, thereâs an emotional resonance. I find them quite personal, despite spanning backgrounds.
Themes of queerness, care, and belonging take centre stage in Kin, one of your recent works. Filmed in 2021, the short film proposes an imaginary safe space for queer life in Singapore. What drove you to explore this idea â especially during the pandemic?
CP: This was another accident. I had a friend who had a few commercial-grade lenses for a few extra days and they asked me if I wanted to do something with them. That was how it started. It was two weeks from the day I learned about the lenses to the shoot. We borrowed someoneâs house and we shot for half a day. We gathered cars and everyone did it for free. Everyone was also itching to do something.
This was potentially in response to the pandemic; the idea of the importance of safety in shared spaces and finding belonging. A lot of queer people, if they live with their family, may not have the support they need. So this film was a gesture towards a possibility. It was one of those instances where I felt photography wouldnât suffice.
The concept of family plays a major role in Whatâs softest in the world rushes and runs over whatâs hardest in the world, which offers a glimpse of the struggles of queer parenthood in Singapore. What was your inspiration behind pursuing the project?
CP: I had been discussing an expansion of Kin with Adriano Pedrosa (the Curator of the 60th International Art Exhibition at the Venice Biennale 2024) and I thought the best approach would be a part two. With queer parenthood, I thought it would be an opportunity to expand on the narrative of the nurturing of new life. It felt more cosmological, because debates surrounding nature and nurture are always placed upon queer people.
I had been reading Ursula K. Le Guinâs rendition of the Chinese classical text, Dao De Jing, and spending a lot of time in the lakes around Berlin. All this subconsciously flowed into how I approached the project. I didnât want to focus on the queer parents solely as documentary subjects, but to bring out these questions about world-making, the natural world, and how weâre all interconnected.Â
I already knew one of the parents, so I slowly contacted the rest from there. I had been working on these related stories for a few years, and I felt that it was necessary for this topic as some people were a little wary of having their identities knownâespecially when it comes to protecting their children, worrying about their children getting bullied or people in their workplace knowing.Â
I think thereâs still this fear because [these parents] sit in a grey area, where one of them is legally not related to the child. So there are a lot of question marks around family-making in Singapore, which informed this approach not to show faces in the work.Â
What does âfamilyâ mean to you?
CP:Â To me, family is a communal exercise of generosity, solidarity, non-judgment and care. These principles have really helped me in my life; I couldnât have been able to do any of this alone.Â
Youâre also a member of the Asian Feminist Studio for Art and Research (AFSAR), which archives contemporary feminist discourse and artist research. How did you get involved with that and why was this an important cause for you to be a part of?
CP:Â I got involved with that by joining AFSARâs study group for the book Art and Cosmotechnics by Hong Kong philosopher Yuk Hui. AFSAR is part collective, part network, and part platform that has these study groups based on theory and artistic practice. From there, it opened a lot of ideas of how we view the world.Â
Thereâs also another study group called Asia as Principle, which is about disentangling previous notions of what Asia is, as well as what feminism and queerness are. It goes into these non-Western notions of these important questions.Â
To round out the interview, how would you describe your practice in three words?
CP:Â Buoyant, tenacious, and emotive.
This article was first seen on Grazia Singapore.
For more on the latest in art and leader interviews, click here.
The post Meet Charmaine Poh, The Singapore Artist Examining Social Relationships Through Art appeared first on LUXUO.
Does Melatonin Make You Groggy? Try These 3 Supplements for Quality Sleep Instead
Melatonin isn’t for everyone. These are the three expert-approved sleep aids you can use to fix your sleep troubles.
The 5 Stages of a Quarter-Life Crisis & What You Can Do
The quarter-life crisis is a well-defined set of stagesâTrapped, Checking Out, Separation, Exploration, Rebuildingâone goes through in breaking free from feelings of meaninglessness, lack of fulfillment, and misalignment with purpose. I detail the stages and interweave my story below.
If youâre in the trenches of this crisis, read on.
Thoughts from 14,000 FtâHow A Quarter Life Crisis Starts
Iâm high in the Andes somewhere in Ecuador. Everything has a yellow tint to itâthe mountains, vegetation, even the Andean animals.
Itâs foggy, rainy, and fucking frigid. Iâm drenched, freezing my ass off, and have fallen in the mud multiple timesâand Iâm having the time of my life.
It was December of 2021, and Iâd never had this much fun or felt this freeâcertainly not in my five years of helping a large oil and gas company generate profits.
Back at the hostel, warm and surrounded by people and mountain dogs, the most common question wasââhow long you in Ecuador for?â
Seemingly everyone responded with something like âah, Iâm traveling this entire continent, Iâve been at it for nine months.â Six months here, four there, another guy doing a year.
It was my turn to answer.
âUh, five⌠days.â
I was cramming everything Ecuador had to offer into one week before I had to be back to my job in the US. The standard approach for los gringos.
If these European, Israeli, and Asian cats could scrape together the change and take the plunge into long-term travel, why couldnât I?
Dedicating all of my life energy, mental capacity, and focus to pushing the agenda of Big Oil, and expending any leftovers on getting drunk to escape it, I was void of anything resembling exploration, purpose, and wander.
I was sitting on a mountain of cash from not doing shit while making a healthy oil salary. Money wasnât the issueâfear of letting go was.
Little did I know, Iâd just planted to seed that would grow into a fully blossomed, standard set of stages of a quarter life crisis.
Only later, after Iâd clawed my way out of the final stage, would I realize how closely my journey matched this framework.
Side NoteâData
According to a LinkedIn study, 75% of 25- to 33-year-olds have experienced a quarter-life crisis, so youâre not alone if you feel this way (stressed, numb, depressed, lonely, purposeless, withdrawal, restlessness, aimless).
The Quarter Life Crisis In Stages
Stage 1: Trapped
I wake up. I drive to work. I work. I drive home. Pick up my dry-cleaning. Work out in to stay âhealthy.â Listen to a podcast. Cook. Shower. Sleep. Repeat.
âWe do this for two years and then sayâis this life?â
Dr. K, an expert on mental health and personal growth, describes this stage as trapped: the suffocating monotony of a life on autopilot.
My job gave me lots of approval from family and friends. Theyâd pat me on the back and say âyou did it!â
Like many, Iâd exited college hungry to touch a real check.
The checks were big, especially compared to my ramen-and-40s diet in college.
Yet, the novel money and lifestyle lose their shine over time, and things like purpose, passion, and a great life take the drivers seat.
Life became a predictable script. Grind all week, blow off steam on the weekend to escape.
For many, the script is tolerableâuntil it isnât. The shift is subtle at first: a nagging voice asking, âIs this it?â But over time, the voice grows louder, pushing you toward a breaking point.
Stage 2: Checking Out
Iâm over this shit.
Pointless meetings. Incompetent managers. Coworkers whose lives are terrifyingly similar to the one Iâm hurtling toward. Except you, Willâyouâre a real one.
At this stage, the mental break happens. Youâre done. But physically, youâre still showing up.
This is a critical point in the overall process, and as Dr. K points out, it is a common, major mistake to try to check back in.
This is where many people stay stuck, forever fantasizing about what could be but never making a move. We tell ourselves, âItâs not so bad. I should be grateful. $100k a year isnât nothing.â
That internal justification keeps us trudging forward, but the emptiness only deepens.
For months, I toyed with the idea of leaving it all behind. Iâd sit at my desk and daydream about trekking solo through South America with just a backpack and a burner phone. At first, it felt like just thatâa fantasy.
Most people stop here and remain for decades. Paralyzed by fear, inertia, and the illusion of safety.
But some of usâdriven by an unrelenting dissatisfactionâreach a breaking point.
Stage 3: Separation
âYou need spaceâpsychological and physicalâto get away from what youâre checked out from.â
The daydreams of South America turned into plans. Budgets. Timelines. A fear-setting exercise sealed the deal.
I timed it perfectly: my annual bonus would hit in April, my lease would end in May, and Iâd resign in June. A week later, Iâd be on a plane to Mexico.
And just like that, it was real. I landed in LeĂłn with a black duffel bag slung over my shoulder and a buzzcut, looking exactly as sketchy as Iâd intended.
Iâd spend a month in Mexico, and then roughly one month per country in Colombia, Peru, Chile, Argentina, and Brazil for a total of six months of lone backpacking. [I didnât make it to Brazil.]
This stage isnât glamorous. Itâs gritty, uncomfortable, and lonely at times. But thatâs the point. Only by stepping away from whatâs familiar can we create space for something new.
Stage 4: Exploration
Town after town. Mountain after mountain. Long, solo bus rides. Conversations with locals and fellow travelers. No Microsoft Teams pings, no meetings, no deadlines.
I was alive again.
But the real exploration wasnât just of landscapes or cultures. It was of myself.
Spending extended time alone and learning to rely on yourself to make it home each night in foreign, at-times-sketchy places, teaches you about yourself.
What do I enjoy when no oneâs watching? What do I value? What am I willing to tolerate? What brings me joy? What kind of life do I want to build?
When the noise of a high-stakes job, social obligations, and city living is stripped away, the signal becomes clear. In that clarity, I began redefining who I was.
Dr. K says, âPurpose isnât discovered; itâs crafted.â And during those months, I was quietly building a blueprint.
Stage 5: Rebuilding
By the final months of my trip, my journal was full of plans for the life I wanted to create.
âIâll join a menâs group. Train Muay Thai. Go to bachata socials. Take Spanish classes. Mentor a kid through Big Brothers Big Sisters. Start my own business.â
When I returned home, I did all of itâand more.
Iâd built a new life, and arguably, a new me. I wasnât the same timid, burnt-out corporate drone whoâd left. Iâd faced fears, dismantled insecurities, and proven to myself that I could craft a life worth living.
It sounds glamorous, but trust meâit was earned. Every skill, every connection, every moment of joy was a direct result of the painful work done in those earlier stages.
The Reframe
If youâre feeling trapped or checked out, youâre not failing. Youâre waking up. A quarter-life crisis isnât a sign youâve lost your way; itâs a sign youâre fighting for a life thatâs truly yours.
The fact that youâre questioning things means you care. And thatâs the first step toward building something real.
Feeling purposeless isnât a curseâitâs a gift.
So, what stage are you in? Let me know. You can DM me on IG, or hit me up however you like.
And definitely share the article if you got any value, and have friends in a similar place.
Thanks for reading.
The post The 5 Stages of a Quarter-Life Crisis & What You Can Do appeared first on Addicted 2 Success.
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The type of minimalist living and design associated with Japan, thought to be influenced by Zen Buddhism, is one that the world keeps returning to with fascination. In the early 2000s, the influential work of Japanese product and furniture designer Naoto Fukasawaâcelebrated this December at the Philadelphia Museum of Art, and perhaps best known for his work designing for lifestyle brand Mujiâhelped ignite an international interest in minimalism, in the belief it could help people live simpler and happier lives at home.Â
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Dry January: How It Creates Space for a Better Life
âI think this is the start of something really big. Sometimes that first step is the hardest one, and weâve just taken it.â ~Steve Jobs
Iâve had a dysfunctional relationship with alcohol for almost as long as Iâve been drinking. I was mostly a binge drinker through college and into my twenties and thirties. I could drink ânormallyâ sometimes, but I never really knew if I would stop at two or ten. Two felt okay, but ten would land me blacked out and barefoot on the bar, which was never a good look for me.
It scares me now to think about all the things I did after too many Crown and cokes, but I didnât think much of it at the time. Everyone was drinking heavily. It was part of the culture of the people I surrounded myself with. Hangovers were badges of honor, and blackouts, provided nothing horrible happened, became funny stories to tell the next day over greasy fast food eaten to soak up the vodka from the night before.
It wasnât until I got into my forties that I really started to question my relationship with alcohol. In 2016, shortly after turning forty, my drinking went off the rails. At the time I was raising four young children in a blended family, and I was trying to stay afloat in a job that expected more of me than I was capable of giving.
Despite the stress, by all appearances, I had it all together. Good job, healthy family, a roof over our heads, and a minivan in the garage. But on the inside, I was deeply struggling with depression and anxiety, both worsened by the extent of my drinking.
As the year went on, things got steadily worse.
My weekend drinking morphed into drinking one, sometimes two, bottles of wine every night. The hangovers started to last days, taking me out of work and keeping me from showing up for my family. My blackouts got scarier and more frequent, once landing me walking down MacDill Avenue alone and barefoot in the middle of the night with no memory of it the next day. My depression and anxiety became completely unmanageable, to the point that I made attempts on my life twice that year, both times incredibly drunk.
I tried multiple times over the course of 2016 to stop drinking. But each time, in the back of my mind, I was, as Laura McKowen talks about, looking for the third door. I was sure there was an option between drinking like I was and stopping completely. I wanted so badly to be able to drink ânormally,â but every time I stopped and then tried drinking again, I went straight back off the rails.
Interestingly, it was an ordinary night (or day, really) of drinking in early January 2017 that finally brought me to my knees.
On January 1, 2017, my husband took the kids to the pool so I could recoup from a cold that Iâd been fighting. Instead of resting, I sat on the back porch and drank two bottles of wine. Nothing terrible happened, but I woke up the next morning with a deep knowing that something had to change. I was, quite literally, sick of my own bullshit.
I once heard John Mayer talk about getting sober, and he said that he asked himself, âOk John, what percentage of your potential would you like to have?â He decided he wanted 100%, and that couldnât happen if he kept drinking.
That January morning, after an ordinary night of drinking, I asked myself the same thing, and it became clear that I was only living up to a fraction of my potential because I spent so much of my time drinking, thinking about drinking, and recovering from drinking.
I lay in bed that morning for hours with tears of fear and relief streaming down my face. I was terrified I wouldnât be able to stay sober but so relieved that I was calling myself on my own shit. I was finally ready to be done for real.
Because I was ready at that point, I threw the kitchen sink at it. I journaled, meditated, moved my body, stayed close to quit lit and podcasts on living alcohol-free, and so much more. I made it my number one priority.
For a while, nothing got as much attention as my recovery. Not my husband. Not my kids. Not keeping up with housework. Nothing. I focused all of my energy on saving my life for several months. And there was guilt around focusing so hard on myself at the expense of giving attention to my family, but, as I look back now, Iâd do it again the same way. My husband and my kids have so much more of me now than they did when I was drinking.
Dry January doesnât have to be just a month of not drinking; it can be the start of something bigger. It can be the start of building a life that you love. A life that doesnât have room for alcohol because it is so much better and brighter without it.
I was able to see this process of getting sober as additive (adding in the practices that support and nourish my whole being) rather than just a subtractive process of giving up alcohol. And this is how I encourage you to look at it. As an opportunity rather than a life sentence. As something joyful and meaningful rather than something punitive. As a chance to build a life you donât need or want to numb out from.
Choosing to stop drinking is one of the most courageous decisions you can make. But courage alone isnât enough; it takes tools, support, and a willingness to try new things to truly thrive.
If youâre reading this and thinking, âThatâs me,â I want you to know youâre not alone. The road to living alcohol-free isnât easy, but it is possibleâand itâs worth every step.
When I started my journey, these tools became my lifeline. They gave me the structure I needed to reclaim my life, and they can do the same for you.
Find Connection
Johann Hari famously said, âThe opposite of addiction isnât sobriety. Itâs connection.â Go to meetings (and there are so many options other than AA these days, my favorite being an online meeting platform called The Luckiest Club founded by Laura McKowen).
Find a sober friend to help you stay accountable.
Search for sober Facebook groups in your area and post a query for anyone wanting to meet for coffee.
Lean into the love of your family and friends who may not be sober but support your journey.
Whatever connection looks like for you, find a place where you can talk about your decision to not drink. Find people who know what itâs like to navigate a world soaked in alcohol without drinking. Talk about the challenges and talk about the triumphs. Whatever you do, donât keep it inside.
Find Support
There are so many avenues for support these days. You can reach out to a therapist or coach. You can engage the help of your primary care doctor. You can find medication-assisted therapy and talk therapy online.
Itâs important to reach out to professionals who can help guide you in the right direction. With so many ideas and recommendations out there for how to quit, it can be incredibly helpful to talk with someone who can help you sift through your options and figure out what will move the needle the quickest.
Try New Things
Dry January is the perfect time to try new things. If something sounds interesting, give it a go.
I tried watercolors, knitting, pulling tarot cards, every type of meditation known to humans, and so much more. Not everything stuck, but trying out different things occupied my time, challenged my mind, and gave me some useful distractions for when cravings hit. The things that did stick (Muse Headband meditations, journaling, and pulling tarot cards) are still the things that I credit with keeping me sober today.
Meditate
Meditation has been a game-changer for so many in recovery, and thereâs a good reason for that. The smart and rational part of our brain (our prefrontal cortex) largely goes offline when weâre drinking excessively. Meditation is the best way to regain access to this part of the brain that makes healthy decisions.
There are so many techniques to try. Emotional Freedom Technique, binaural beats, biofeedback (MUSE headband or the like) meditations, guided meditationsâŚjust to name a few. It doesnât matter how you do it, just that you do it. Aim for three to five minutes to start and build from there.
Educate Yourself
There are tons of amazing books on sobriety these days. Memoirs and âhow toâ guides abound. Two of my favorite books for early sobriety are This Naked Mind by Annie Grace and Quit Like a Woman by Holly Whitaker. There are also some great podcasts out there (a quick Google search will point you in the right direction).
Itâs important to hear stories of other peopleâs struggles and successes. Itâs useful to learn about the effects of alcohol on the brain and body. We all know that knowledge is power, and knowing the truth about alcohol very often gives you the power you need to be done.
As you move into January this year, remember, itâs not about what youâre giving up but what youâre making space for. This month could be the beginning of a deeper transformation, one that helps you uncover the best version of yourself. The tools, support, and determination you need are within reachâthis is your moment to take a breath and leap.
About Whitney Combs
Whitney is a nationally board-certified health and wellness coach with nearly a decade of experience guiding women to reclaim control over their relationship with alcohol. Through her personalized one-on-one coaching, Whitney empowers women to create a lasting, sustainable recovery with a clear, structured approach. You can find Whitney on Instagram (@whitney.combs) and you can read more about her approach to recovery and schedule a discovery call on her website, www.whitneycombs.com.
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