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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...
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...
3 min read
I'll Get Back To Lending and Housing - But...
in the mean time there is a lot going on out there that makes this an interesting time in our financial history - as a country, and for...
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
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...
1 min read
When Do Stonks Stop Going Down?
It depends... on a lot of things. If Tesla's were $100, everyone would drive them. When things are cheaper people get more interested...
1 min read
More Money in Real Estate than Equities
Why manage liabilities? Because there is more money there to be managed in Real Estate than there are Equities. The majority of real...
1 min read
Destroying Your Desire to Buy, Buy, Buy
What do you do if you are the FED and you want to lower inflation... you have to get people to stop buying so much stuff. Option 1: ...
1 min read
Perspective
This video is something I watched when I felt my problems were too big to handle. (aka - 2007-2008 business cycle). This old but...
1 min read
Cycles
Had a nice conversation with Dave Savage for his project to support loan officers in this unique environment... I wanted to share some...
1 min read
Chicken or Egg?
Do interest rates start to come back down, or do house prices start to come back down? Either way, you can't have you cake and eat it too!...
1 min read
Are You Richer Than Rockefeller?
There is something to be said for the quality of life we have as American citizens. You can be a millionaire in many countries and still...
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