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Is Interest the Price of Time?

Just a thought - but in our course we say that if: 'time is money' then 'time management is money management'. Me I was reading...

Chart Storm Hero - July 2023 - Be a Mortgage Advisor

1 min read

Chart Storm Hero - July 2023 - Be a Mortgage Advisor

My favorite charts from this past month and the stories they tell us about what's going on in financial (real estate, lending and...

2 min read

Housing Values Keep Going Up

Black Knight August 2023 Mortgage Monitor Report Highlights - Home prices are at record highs, both nationally and locally. - The lack...

3 min read

More Credit Card Debt Than Savings?

The Rising Trend of Credit Card Debt Among US Adults A recent study conducted by Bankrate has highlighted an alarming trend in the...

July 2023 - What's Happening in Real Estate and Lending

1 min read

July 2023 - What's Happening in Real Estate and Lending

What's happening in the real estate, lending and wealth creation landscape. Each month I'll highlight what I find interesting, and why in...

4 min read

HEY Mom... Where Does Debt Come From?

When we talk about debt pulling spending power forward, it means that people can buy things even if they don't have enough money saved...

Understanding Nominal Versus Real Property Value Growth

2 min read

Understanding Nominal Versus Real Property Value Growth

Nominal growth and real growth are two concepts used to measure the increase in real estate values over time. They represent different...

Homebuilders - A Thought Experiment (ITB)

1 min read

Homebuilders - A Thought Experiment (ITB)

I wonder if home builders are a good investment here, or did they front run all this building that they are doing and the recession takes...

3 min read

Yield Curves that Invert in the Night

What's an inverted yield curve and why should you care? Imagine you have a lemonade stand, and you sell lemonade to your friends....

1 min read

Cash and Liability Management

Now on YouTube. We've had people ask about this in the past - as a convenience we have posted as a playlist. This series from niofe.org...

1 min read

The Power of 5.31% and 20 Years

There are many 'hacks' we use when communicating powerful concepts to borrowers to help them understand compound interest, etc. An old...

What Cycle are We In, and What Works Now?

1 min read

What Cycle are We In, and What Works Now?

This is a simple, but profound history of the typical cycles we go through with markets. The housing cycle tends to 'lead' which means...

1 min read

The Tale of Two Tellers

How banks make money, and how you can too! I wrote a short e-book based on some prior blog posts to talk about concerns I was having with...

11 Reasons Articles Consolidated - Ebook

1 min read

11 Reasons Articles Consolidated - Ebook

After putting together my thoughts about the last published version of the Ric Edelman - 11 Reasons to Carry a Big Long Mortgage, I've...

11 Reasons to Carry a Big Long Mortgage - Reason 11

3 min read

11 Reasons to Carry a Big Long Mortgage - Reason 11

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 10

6 min read

11 Reasons to Carry a Big Long Mortgage - Reason 10

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 8 & 9

5 min read

11 Reasons to Carry a Big Long Mortgage - Reason 8 & 9

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 7

3 min read

11 Reasons to Carry a Big Long Mortgage - Reason 7

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 6

2 min read

11 Reasons to Carry a Big Long Mortgage - Reason 6

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 4 & 5

3 min read

11 Reasons to Carry a Big Long Mortgage - Reason 4 & 5

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 3

2 min read

11 Reasons to Carry a Big Long Mortgage - Reason 3

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 2

4 min read

11 Reasons to Carry a Big Long Mortgage - Reason 2

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 1

3 min read