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1 min read
Missing Money
There are so many ways you may be missing money. Missed opportunities are a big one, but there is literally missing money you can find...
1 min read
Term Premium and Tightening Market Conditions
Visit: https://www.facebook.com/NIFECLA for more charts and updates. The Fed may slow or stop increasing rates as term premium in bonds...
2 min read
Is Buying a Smaller House a Good Idea?
What if you are forced to buy a smaller house because of higher rates... Key consideration: Appreciation (offsets cost of ownership...
2 min read
Bonds, Bills, Notes - What's The Difference?
It is no secret that the government is 'making money' literally by issuing debt. As we've discussed on prior posts, when the bank loans...
2 min read
Is Interest the Price of Time?
Just a thought - but in our course we say that if: 'time is money' then 'time management is money management'. Me I was reading...
1 min read
Chart Storm Hero - July 2023 - Be a Mortgage Advisor
My favorite charts from this past month and the stories they tell us about what's going on in financial (real estate, lending and...
2 min read
Housing Values Keep Going Up
Black Knight August 2023 Mortgage Monitor Report Highlights - Home prices are at record highs, both nationally and locally. - The lack...
3 min read
More Credit Card Debt Than Savings?
The Rising Trend of Credit Card Debt Among US Adults A recent study conducted by Bankrate has highlighted an alarming trend in the...
1 min read
July 2023 - What's Happening in Real Estate and Lending
What's happening in the real estate, lending and wealth creation landscape. Each month I'll highlight what I find interesting, and why in...
4 min read
HEY Mom... Where Does Debt Come From?
When we talk about debt pulling spending power forward, it means that people can buy things even if they don't have enough money saved...
2 min read
Amortization Table
A simple amortization table is a handy resource if you don't have one lying around. We talked about how powerful this can be as an...
2 min read
Understanding Nominal Versus Real Property Value Growth
Nominal growth and real growth are two concepts used to measure the increase in real estate values over time. They represent different...
3 min read
Yield Curves that Invert in the Night
What's an inverted yield curve and why should you care? Imagine you have a lemonade stand, and you sell lemonade to your friends....
1 min read
Cash and Liability Management
Now on YouTube. We've had people ask about this in the past - as a convenience we have posted as a playlist. This series from niofe.org...
1 min read
The Power of 5.31% and 20 Years
There are many 'hacks' we use when communicating powerful concepts to borrowers to help them understand compound interest, etc. An old...
1 min read
What Cycle are We In, and What Works Now?
This is a simple, but profound history of the typical cycles we go through with markets. The housing cycle tends to 'lead' which means...
1 min read
Will Money Make You Happy?
We have a common denominator in what we do with our precious life energy... Realtors, Lenders, Financial Advisors all interact with...
3 min read
Banking is a Confidence Game
Some thoughts on the banking crisis and recent issue with Silicon Valley Bank. There are continued cracks in the confidence game that is...
1 min read
The Tale of Two Tellers
How banks make money, and how you can too! I wrote a short e-book based on some prior blog posts to talk about concerns I was having with...
1 min read
Using a 401(k) for Buying a House
I was recently talking to an acquaintance that had been wanting to buy a house... something became available for them in their market,...
2 min read
How about a $6.79 Trillion Dollar Off Payment Coupon
Your mortgage is your largest expense (at least it is for 85% of US Citizens) and it is subsequently the largest debt for about that same...
2 min read
30 Year -vs- Inflation - What's the next step?
https://fred.stlouisfed.org/graph/?g=10alK Looking at the FRED data, there are only two times inflation rates were higher than the 30...
1 min read
11 Reasons Articles Consolidated - Ebook
After putting together my thoughts about the last published version of the Ric Edelman - 11 Reasons to Carry a Big Long Mortgage, I've...
1 min read
Interview with Dave Steinberg
Talking about talking about what we do to differentiate yourself from other lenders. Full version: Short recap version:
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