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...
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1 min read
CLA Interview Format - Mike Slaughter - MSFS, NSSA, AEP, CFP®, CRPC®, CLU®
As part of the Certified Liability Advisor™ designation process, we require that our students to interview at least 3 financial...
1 min read
Questions for Financial Advisors
We're working on a new podcast based on a simple format - we'll interview financial advisors to better understand their thoughts about...
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How Can You Add More Value to Advisors
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...
2 min read
Personal Growth is a Stair Climb
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? ...
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What do you see?
I've talked about the RAS in more detail, but we all see things very differently based on our experiences over time. Those experiences...
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A Beginner's Mind - Working with Advisors
In the beginner's mind, there are many possibilities, but in the expert's mind, there are few. Suzuki Beginners mind is like beginners...
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Cycles and Working with Advisors
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...
4 min read
Information Arbitrage - the Heart of Most Decisions
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...
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...
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...
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Welcome to the Borrow Smart Blog
My Objectives: /Post regularly and concisely... and /Simplify real estate, lending and financial concepts... to /Promote greater clarity...
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A Financial Advisor Walked Into a Bar
when stocks go down, people get scared about their financial future
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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
Cycles
Had a nice conversation with Dave Savage for his project to support loan officers in this unique environment... I wanted to share some...
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What's the real problem?
"Some 36% of households taking in nearly four times the median US salary devote nearly all of their income to household expenses". ...
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What will higher interest rates produce?
Inflation caused by an easy money policy leads to a cure of inflation with a tighter monetary policy. What’s the expectation? Higher...
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The Real Estate Dilemma
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...
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How Much Land Does a Man Need?
'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?...
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The Housing Price Gap
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...
1 min read
Need and Opportunity
A Certified Liability Advisor is going to look at all your liabilities as part of a broad solution. There are two reasons to borrow: ...
1 min read
Financial Literacy Education in Schools
I was surprised this year that my daughter had to take Personal Finance as a 10th grader. It was required because of new state...
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Recession and Borrowing Growth
Another simpler look - we are continuing to grow our borrowing since the last financial recession. Most borrowing is related to the...
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Assets and Liabilities
Update of the Borrow Smart University quarterly graphic on Assets/Liabilities - this shows you a rough estimate of the balances of all...
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