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1 min read
Recession - Ready or Not?
These are some new experiments - I read a paper, and translate it into a short video. Source - Andrew Cohn
2 min read
What do you see?
I've talked about the RAS in more detail, but we all see things very differently based on our experiences over time. Those experiences...
1 min read
FOGG of WAR (aka Motivating Consumer Behavior)
Sharing an interesting model that could be applied to a client deciding to engage in a mortgage transaction. The idea, is essentially...
2 min read
The Real State of Real Estate
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...
2 min read
Hard Landing or Soft Landing - What is a Rate Anyway?
We see everywhere the impact of higher interest rates, but we often don't fully consider what interest rate is relevant to return, and...
2 min read
Thinking About the Rock That's Not In My Shoe
"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...
1 min read
New Financial Literacy Learning Journey
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...
2 min read
Tale of Two Tellers - the House - vs - Home
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...
3 min read
Tale of Two Tellers - Part VI
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...
3 min read
Tale of Two Tellers - Part V
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...
2 min read
Tale of Two Tellers - Part IV
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...
2 min read
Tale of Two Tellers - Part III
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...
2 min read
The Tale of Two Tellers - Part II
Building on the last post - we shared that over a lifetime relationship of a client - their contributing $80,000 in (checking, savings,...
2 min read
The Tale of Two Tellers - Part I
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...
1 min read
House or Home - Sentiment is Key
As we've shared the cycles of real estate are driven by real facts (eligibility) and (suitability) is now the right time to buy......
1 min read
Why Rate Discussions Create Tension
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...
2 min read
Why do Consumers Care About Rates?
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...
2 min read
4 Phases of Real Estate Cycles
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...
2 min read
Housing as a Luxury Good?
"When I started in this business, there was a broad consensus around making the American dream accessible to middle and lower income...
2 min read
Waiting for Rates to Drop? Think Different
Freddie Mac reports in their Primary Mortgage Market Survey that 99% of all locked mortgage rates are below current rates, you can see...
2 min read
Surprise - You Might Be Equity Rich!
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...
2 min read
Simple Calculators to Answer Complicated Questions
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...
2 min read
Where's the Money for the 99%?
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...
2 min read
Debt and Borrowing are Relative
Hopefully, if you are reading my blog, https://www.borrowsmartuniversity.com/single-post/information-arbitrage-the-heart-of-most-decision...
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