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...

https://fred.stlouisfed.org/graph/?g=10alK Looking at the FRED data, there are only two times inflation rates were higher than the 30...

After putting together my thoughts about the last published version of the Ric Edelman - 11 Reasons to Carry a Big Long Mortgage, I've...

Talking about talking about what we do to differentiate yourself from other lenders. Full version: Short recap version:

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

It depends. What was the last number you can remember hearing? I taught a course years ago about the book 'Priceless' which was written...

In my book - Borrow Smart Repay Smart I use the 30-year time frame for most examples. As as a liability advisor I knew most people would...

When I first started out as a loan officer, my 'boss' had me to a 30 year amortization by hand. No excel, just a simple calculator and a...

Ray Dalio is a jedi and understanding the macro (big picture) and how to apply to to the daily (practical engagement). If you aren't...

As a follow up to our post on questions for financial advisors. We use a specific process of giving clients questions they should ask...

We're working on a new podcast based on a simple format - we'll interview financial advisors to better understand their thoughts about...

Advisors are always looking for ways to add value to their clients - but how do you add more value to financial advisors? Here are 101...

Experiment Playing around with a new format of communication. Sharing a few key slides and thoughts about them in a video format.

One of my favorite short videos of all time. I've always wanted to do a parody of this called: 'It's not about the rate'. In the...

I read a lot, and one of my favorite things to do is try to distill the key information down into smaller digestible bites. I also enjoy...