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US Housing Affordability Downtrend
When rates go down, buying power goes up. This means if the house prices stay the same - you can buy a bigger house or have a lower...
1 min read
Entrenchment of Inflation
I am writing a new ebook as part of a series - and that includes this hot topic of inflation. When they say 'sticky' they mean that once...
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Interest Rate Increases and Market Strength
Interest rate increases are often a sign of market strength... in the past the increases slowed the market, but the market easily...
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Focusing Wealth in the House
If you've followed my work, you know that I crossed the balance sheet because I felt I could have a bigger impact on consumers growing...
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Stimulus Payments - Effect on Inflation and Housing Affordability
We peaked at close to 5% personal savings during the COVID recession, mainly from stimulus payments directly to the consumer. This...
1 min read
The Illusion of Appreciation
When we talk about housing - the only way buying a house makes you money directly is through appreciation. This appreciation is real,...
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Long-term Unsustainability of Purchasing Houses Purely for Return
We teach that your house is an investment - it has properties that reduce your cost of living indoors over time (like appreciation of...
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Mortgage Payment Over Time
What story does this graph tell? HINT: Real income goes up over time, Real rents go up over time, what goes down over time? Your real...
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Why Should We Be Concerned About Rising Interest Rates?
For every 1% increase in rates - a buyer loses about $30,000 of buying power. That loss of buying power makes it harder to pay 'up' for...
1 min read
Why Manage Liabilities?
They asked Willie Sutton, a famous bank robber, 'why do you rob banks?' and his simple response: 'because that's where the money is!' ...
1 min read
Housing Demand and Supply Imbalance
Orange is Case Shiller Home Values Blue is Housing Starts Green is US Population Growth There are more people, and there are less houses,...
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