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...
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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...
2 min read
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
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...
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...
1 min read
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
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
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
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...
2 min read
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...
2 min read
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
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...
2 min read
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
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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