the Borrow Smart BLOG

The Borrow Smart Chronicles

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

Housing and Lending

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...

Bonds, Bills, Notes - What's The Difference?

2 min read

Financial Literacy

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

Financial Literacy

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...

Chart Storm Hero - July 2023 - Be a Mortgage Advisor

1 min read

Financial Literacy

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 and Lending

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...

Boomers Are Winning a Battle for Housing

2 min read

Housing and Lending

Boomers Are Winning a Battle for Housing

Short video pointing out some key points around leverage. If you are in the housing game you can trade up or down, but with leverage...

3 min read

Housing and Lending

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...

July 2023 - What's Happening in Real Estate and Lending

1 min read

Financial Literacy

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...

2 min read

Housing and Lending

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...

Understanding Nominal Versus Real Property Value Growth

2 min read

Housing and Lending

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...

Homebuilders - A Thought Experiment (ITB)

1 min read

Investing for Wealth Creation

Homebuilders - A Thought Experiment (ITB)

I wonder if home builders are a good investment here, or did they front run all this building that they are doing and the recession takes...

3 min read

Financial Literacy

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

Housing and Lending

House Value w/out the Lag

House values are dynamic and all real estate is local... but we often see values measured at a large aperture, like 'national' house...

1 min read

Financial Literacy

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...

Do you know how to surf the AI wave? You better learn...

2 min read

Life Literacy

Do you know how to surf the AI wave? You better learn...

We don't know what the future may look like, but I bet it's going to look more like this than we might expect: (image of housekeeper...

Doing More with Less - AI for lending and real estate!

2 min read

Life Literacy

Doing More with Less - AI for lending and real estate!

When is less more? When you can use less time to provide a greater output. Technology has already been doing this for us, but the...

1 min read

Housing and Lending

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...

What Cycle are We In, and What Works Now?

1 min read

Investing for Wealth Creation

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

Financial Literacy

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

Financial Literacy

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

Investing for Wealth Creation

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...

Is Data the new Defining Input in the next Mortgage Age?

2 min read

Life Literacy

Is Data the new Defining Input in the next Mortgage Age?

In Carlota Perez's book - Technological Revolutions and Financial Capital she talks about key inputs that are the fuel of change. These...

1 min read

Housing and Lending

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,...

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The Borrow Smart Chronicles

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