top of page
the Borrow Smart BLOG
The Borrow Smart Chronicles
Search
2 min read
Housing Just Gotta Be Like That...
The average monthly mortgage payment is us 62.2% from a year ago, per Zillow... driven by higher mortgage rates and higher house prices....
4 min read
Information Arbitrage - the Heart of Most Decisions
I haven't posted much here about why I write, and I haven't promoted the CLA™ course in the Blog, but I wanted to share a few thoughts...
3 min read
The Renter Savings Trap - Wait to Buy?
It can be really difficult for renters to save for a down payment. If saving up to buy a house is your plan it may have some...
2 min read
Returns Cycle - Real Estate On Top... What's next?
In Q3, 2019 and Q4, 2021 real estate was on top. It move around like all asset classes. Watch what happens - when real estate was on...
2 min read
When You Must Borrow, Borrow Smart
Consumers are using credit card debt to make up the difference between current earnings and the inflationary rise in spending on food,...
2 min read
Housing Has Been a Productive Wealth Generator
Are you better than you were a year ago? At something? Your house is... it took a masters class in wealth creation (or maybe it was...
2 min read
Did Increasing Rates Bring Down Inflation in the 1970s?
NO, and then YES. NO, as you can see interest rates were raised in 1970 to about 8.5%, and inflation abated, rates dropped for a few...
3 min read
Housing Price Musings - Don't Believe the Hype
Here's what I'm seeing daily: 1) Housing prices are not going down, they only go up. Because of x,y,z... 2) Housing prices are going...
2 min read
Where is Wealth Housed?
I found an old drawing on my iPad when I was first playing around with my new apple pencil. It's simple but there is a lot you can draw...
2 min read
Lifecyle of Equity Development
Years ago working on a project for Ameriprise, we looked into the dynamics of equity creation from home ownership. Equity development...
1 min read
Good News for The Economy
When you look at the overall strength of the borrow, their debt as a % of income is the lowest in measured history. Notice the peak in...
1 min read
State of the Mortgage Industry - Half-Time Report
Dave Savage is doing such an incredible service to the mortgage industry with his work, and I was fortunate to get to spend some time...
2 min read
We're Rich! er' than Ever...
American's a really great at making money. We are the most efficient nation on the planet in turning an hour into productivity that...
2 min read
The Renter Challenge
There are times to rent, but only in short term time frames. Over time the average person is making income that is keeping pace with...
2 min read
Neighborhood Watch! - We Have Reached Stage 3 of 4
When interest rates rise, it puts pressure on things that require borrowing (leverage) and there is nothing bigger in that category than...
2 min read
"Recession" - Says Who?
I bought my dog, so I get to name it whatever I want. Her name is Lucy if you are curious. Who gets to name our economy a 'Recession'?...
2 min read
Hopes and Dreams
If you look at how we value a stock - there is book value (cash, equipment and machinery, any real estate, inventory, etc.) plus revenues...
2 min read
Cash is Trash - Buy Real Estate and Gold?
Ray Dalio - the founder of Bridgewater Capital say that with stocks down over 20% and bonds falling as well, the market is difficult, but...
1 min read
Optimistic About Their Financial Future
The GenZ crowd is excited and optimistic about money. It's interesting to see how others define wealth, and wealth has so much and so...
1 min read
Global Relative Values
In one picture, think of these colored blocks as the building blocks of our entire financial global world. Each block represents the...
1 min read
Got Real Estate?
Let's face it, real estate is the 'gold standard'. If you have assets, you've probably got real estate. Why? Because as Maslow said...
1 min read
Welcome to the Borrow Smart Blog
My Objectives: /Post regularly and concisely... and /Simplify real estate, lending and financial concepts... to /Promote greater clarity...
2 min read
Inflation Getting Stickier
I shared a post on Inflation and Borrow recently that has garnered many questions. A few people asked if inflation would come back down...
2 min read
Equity Lines of Credit - A Critical Cash Flow Management Tool
Earnest Hemingway was interviewed about his successes and his failures - including his ultimate bankruptcy after being such a successful...
(c) All Rights Reserved - KendallTodd, Inc.
bottom of page