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

As part of the Certified Liability Advisor™ designation process, we require that our students to interview at least 3 financial...

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

Advisors are always looking for ways to add value to their clients - but how do you add more value to financial advisors? Here are 101...

When you do anything new, learn any new skill, you do it with an understanding that it would be easier to do nothing. Or is that true? ...

I've talked about the RAS in more detail, but we all see things very differently based on our experiences over time. Those experiences...

In the beginner's mind, there are many possibilities, but in the expert's mind, there are few. Suzuki Beginners mind is like beginners...

As house prices go up... Down payments go up. When house prices go up, more Realtors enter the market... this will likely shift if house...

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...

Years ago working on a project for Ameriprise, we looked into the dynamics of equity creation from home ownership. Equity development...

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...

My Objectives: /Post regularly and concisely... and /Simplify real estate, lending and financial concepts... to /Promote greater clarity...

when stocks go down, people get scared about their financial future

Why manage liabilities? Because there is more money there to be managed in Real Estate than there are Equities. The majority of real...

Had a nice conversation with Dave Savage for his project to support loan officers in this unique environment... I wanted to share some...

"Some 36% of households taking in nearly four times the median US salary devote nearly all of their income to household expenses". ...

Inflation caused by an easy money policy leads to a cure of inflation with a tighter monetary policy. What’s the expectation? Higher...

Here's a dilemma: Consumers feel now is the worst time to buy real estate. Consumers now feel real estate is the best investment you can...

'How Much Land Does a Man Need?' One of the most profound short stories I've ever read. We use this as part of our What is Enough?...

How does this gap get filled? When housing prices rise as quickly as they have over the last 15 years a huge part of the market gets...

A Certified Liability Advisor is going to look at all your liabilities as part of a broad solution. There are two reasons to borrow: ...

I was surprised this year that my daughter had to take Personal Finance as a 10th grader. It was required because of new state...

Another simpler look - we are continuing to grow our borrowing since the last financial recession. Most borrowing is related to the...

Update of the Borrow Smart University quarterly graphic on Assets/Liabilities - this shows you a rough estimate of the balances of all...