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...
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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...
1 min read
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...
1 min read
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...
1 min read
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...
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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...
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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!' ...
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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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