In Q3, 2019 and Q4, 2021 real estate was on top. It move around like all asset classes. Watch what happens - when real estate was on...

Consumers are using credit card debt to make up the difference between current earnings and the inflationary rise in spending on food,...

Are you better than you were a year ago? At something? Your house is... it took a masters class in wealth creation (or maybe it was...

NO, and then YES. NO, as you can see interest rates were raised in 1970 to about 8.5%, and inflation abated, rates dropped for a few...

Here's what I'm seeing daily: 1) Housing prices are not going down, they only go up. Because of x,y,z... 2) Housing prices are going...

I found an old drawing on my iPad when I was first playing around with my new apple pencil. It's simple but there is a lot you can draw...

Years ago working on a project for Ameriprise, we looked into the dynamics of equity creation from home ownership. Equity development...

in the mean time there is a lot going on out there that makes this an interesting time in our financial history - as a country, and for...

When you look at the overall strength of the borrow, their debt as a % of income is the lowest in measured history. Notice the peak in...

Dave Savage is doing such an incredible service to the mortgage industry with his work, and I was fortunate to get to spend some time...

American's a really great at making money. We are the most efficient nation on the planet in turning an hour into productivity that...

There are times to rent, but only in short term time frames. Over time the average person is making income that is keeping pace with...

When interest rates rise, it puts pressure on things that require borrowing (leverage) and there is nothing bigger in that category than...

I bought my dog, so I get to name it whatever I want. Her name is Lucy if you are curious. Who gets to name our economy a 'Recession'?...

If you look at how we value a stock - there is book value (cash, equipment and machinery, any real estate, inventory, etc.) plus revenues...

Ray Dalio - the founder of Bridgewater Capital say that with stocks down over 20% and bonds falling as well, the market is difficult, but...

The GenZ crowd is excited and optimistic about money. It's interesting to see how others define wealth, and wealth has so much and so...

In one picture, think of these colored blocks as the building blocks of our entire financial global world. Each block represents the...

Let's face it, real estate is the 'gold standard'. If you have assets, you've probably got real estate. Why? Because as Maslow said...

My Objectives: /Post regularly and concisely... and /Simplify real estate, lending and financial concepts... to /Promote greater clarity...

Earnest Hemingway was interviewed about his successes and his failures - including his ultimate bankruptcy after being such a successful...

when stocks go down, people get scared about their financial future

What do you do if you are the FED and you want to lower inflation... you have to get people to stop buying so much stuff. Option 1: ...

This video is something I watched when I felt my problems were too big to handle. (aka - 2007-2008 business cycle). This old but...