This chart had a profound impact on me when I was first starting out as a young loan officer -as I began calling on financial advisors. ...

What does this have to do with the Tale of Two Tellers? Remember when I say there this the financial decision, which is logical, and the...

We began with a simple example. You walk into a bank, you give money to one teller and you borrow money from the other teller. This is...

Do things change when you buy a house? It depends. While you wouldn't go to the teller for a mortgage, you are still ultimately...

We agreed you aren't spending, and that decision creates options! The options are to save, or repay If we look at this simple decision to...

We have a decision to make - one you face every single day - whether you realize it or not. If you have more money than month, and you...

Building on the last post - we shared that over a lifetime relationship of a client - their contributing $80,000 in (checking, savings,...

We'll do a series of posts talking about a concept I created in 2007 to help consumers understand the real cost of their money - EPR...

There are many simple things that are easy to remember that can help you teach others about powerful financial concepts. We've shared...

In my prior post, we talked about dynamics around interest rate and ways (at a minimum) to move it to a discussion about payment. From...

If you were a consumer, what have you been trained to ask about? When I started in the business the interest rates were published in the...

We move from phases where we are in a buyers market and move to a sellers market and back again. It depends on your location, property...

"When I started in this business, there was a broad consensus around making the American dream accessible to middle and lower income...

In our series here, the 'Life Literacy' aspects of these posts will tend to focus on Esteem and Self-actualization. When it comes to our...

Freddie Mac reports in their Primary Mortgage Market Survey that 99% of all locked mortgage rates are below current rates, you can see...

Am I the one who is changing, or do I find myself watching others change? Change is hard, and one of my favorite definitions of a...

Equity rich is defined as having over 50% equity in the value of your house. If you own a $400,000 house and you have over $200,000 of...

At https://www.niofe.org/calculators we are adding back all our old calculators. About 9 years ago we received a $10,000 per month...

Hopefully, if you are reading my blog, https://www.borrowsmartuniversity.com/single-post/information-arbitrage-the-heart-of-most-decision...

After talking to Dave Savage about financial literacy, I realize I hadn't looked into the recent research in some time, and there is a...

With a network of loan officers spanning 7 states, I as the CEO was keenly focused on their success and performance. We had a pacesetter...

I haven't posted much here about why I write, and I haven't promoted the CLA™ course in the Blog, but I wanted to share a few thoughts...

I had a 2003 Suburban, loved it but we'd replaced it with a newer one. The KBB value on the car was $3,500 and that's what the dealer...

It can be really difficult for renters to save for a down payment. If saving up to buy a house is your plan it may have some...