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1 min read
Missing Money
There are so many ways you may be missing money. Missed opportunities are a big one, but there is literally missing money you can find...
2 min read
Is Buying a Smaller House a Good Idea?
What if you are forced to buy a smaller house because of higher rates... Key consideration: Appreciation (offsets cost of ownership...
2 min read
Bonds, Bills, Notes - What's The Difference?
It is no secret that the government is 'making money' literally by issuing debt. As we've discussed on prior posts, when the bank loans...
1 min read
Some Favorite AI Tools by Category
The research category is new to me, but I'm finding helpful when writing quick posts or summaries. Personal Assistant/AI Tools: ChatGPT -...
2 min read
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...
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...
2 min read
Boomers Are Winning a Battle for Housing
Short video pointing out some key points around leverage. If you are in the housing game you can trade up or down, but with leverage...
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...
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...
1 min read
How To Do Great Work?
http://paulgraham.com/greatwork.html Working with and coaching students, adults and even retirees, this question comes up in many ways....
2 min read
Amortization Table
A simple amortization table is a handy resource if you don't have one lying around. We talked about how powerful this can be as an...
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...
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
House Value w/out the Lag
House values are dynamic and all real estate is local... but we often see values measured at a large aperture, like 'national' house...
1 min read
What is the Purpose of Life?
Stan Hayward turns this around for us, in a lovely poem. I've taken the liberty of using AI and turning his poem into a video.
2 min read
Room Temperature Coffee is 'Easy'
Why don't we all drink room temperature coffee? It's really easy, just pour water into a cup, and add your coffee and stir. Easy,...
2 min read
Do you know how to surf the AI wave? You better learn...
We don't know what the future may look like, but I bet it's going to look more like this than we might expect: (image of housekeeper...
1 min read
Think Different - We're Just Getting Started...
This has been an amazing journey, being in a position to learn the lending industry, the financial advice industry and the real estate...
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...
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
New AI Tools / Massive Transformation / Resources
Looking to find the perfect AI tool for the job? https://library.phygital.plus/?ref=producthunt allows you to search over 1,000 AI...
1 min read
Will Money Make You Happy?
We have a common denominator in what we do with our precious life energy... Realtors, Lenders, Financial Advisors all interact with...
3 min read
Banking is a Confidence Game
Some thoughts on the banking crisis and recent issue with Silicon Valley Bank. There are continued cracks in the confidence game that is...
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