These are some new experiments - I read a paper, and translate it into a short video. Source - Andrew Cohn

I've talked about the RAS in more detail, but we all see things very differently based on our experiences over time. Those experiences...

Sharing an interesting model that could be applied to a client deciding to engage in a mortgage transaction. The idea, is essentially...

A great article from Amanda Hoover and Ashwin Rodrigues that is worth a read, and I simply want to take a few of their illustrations and...

We see everywhere the impact of higher interest rates, but we often don't fully consider what interest rate is relevant to return, and...

"I can picture in my mind a world without war, a world without hate. And I can picture us attacking that world because they'd never...

I created this for those that want to sharpen their financial literacy by organizing some of our best content in the order I think a loan...

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...

As we've shared the cycles of real estate are driven by real facts (eligibility) and (suitability) is now the right time to buy......

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...

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

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...

When you look to make an impact financially - you go where the money is. Willie Sutton was famously asked 'Why do you rob banks?' Then...

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