In my book - Borrow Smart Repay Smart I use the 30-year time frame for most examples. As as a liability advisor I knew most people would...

Investor s are really negative (blue line), but in being so frustrated by the stock market they have largely done nothing (black line),...

We're working on a new podcast based on a simple format - we'll interview financial advisors to better understand their thoughts about...

One of my favorite short videos of all time. I've always wanted to do a parody of this called: 'It's not about the rate'. In the...

Sharing an interesting model that could be applied to a client deciding to engage in a mortgage transaction. The idea, is essentially...

We see everywhere the impact of higher interest rates, but we often don't fully consider what interest rate is relevant to return, and...

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...

This chart had a profound impact on me when I was first starting out as a young loan officer -as I began calling on financial advisors. ...

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...

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...

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...

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...

Building on the last post - we shared that over a lifetime relationship of a client - their contributing $80,000 in (checking, savings,...

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...

As we've shared the cycles of real estate are driven by real facts (eligibility) and (suitability) is now the right time to buy......

There are many simple things that are easy to remember that can help you teach others about powerful financial concepts. We've shared...

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...

"When I started in this business, there was a broad consensus around making the American dream accessible to middle and lower income...

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...

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...

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...

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...

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...

Consumers are using credit card debt to make up the difference between current earnings and the inflationary rise in spending on food,...