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Investing for Wealth Creation

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...

What Cycle are We In, and What Works Now?

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...

New AI Tools / Massive Transformation / Resources

1 min read

Just For Fun!

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

Investing for Wealth Creation

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...

1 min read

The Tale of Two Tellers

How banks make money, and how you can too! I wrote a short e-book based on some prior blog posts to talk about concerns I was having with...

2 min read

How Will You ThrAIve in the Future?

Yes, it's a typo, but with all the concern about AI eating our lunch (it can't by the way as far as I can tell)... McKinsey maps out key...

2 min read

WAIT - Why Am I Talking?

Wow, ever just hear a concept and have it stop you in your tracks... Wait for it! Pun intended here, but It was something (as legend has...

AI Tools for the Real Estate and Lending Industry

5 min read

AI Tools for the Real Estate and Lending Industry

Since I get questions about what I use, etc. I'm going to start a directory here of my favorite tools by category. I'll update these...

Is Data the new Defining Input in the next Mortgage Age?

2 min read

Is Data the new Defining Input in the next Mortgage Age?

In Carlota Perez's book - Technological Revolutions and Financial Capital she talks about key inputs that are the fuel of change. These...

1 min read

Using a 401(k) for Buying a House

I was recently talking to an acquaintance that had been wanting to buy a house... something became available for them in their market,...

How about a $6.79 Trillion Dollar Off Payment Coupon

2 min read

How about a $6.79 Trillion Dollar Off Payment Coupon

Your mortgage is your largest expense (at least it is for 85% of US Citizens) and it is subsequently the largest debt for about that same...

30 Year -vs- Inflation - What's the next step?

2 min read

30 Year -vs- Inflation - What's the next step?

https://fred.stlouisfed.org/graph/?g=10alK Looking at the FRED data, there are only two times inflation rates were higher than the 30...

11 Reasons Articles Consolidated - Ebook

1 min read

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...

CLA Interview Format - Mike Slaughter - MSFS, NSSA, AEP, CFP®, CRPC®, CLU®

1 min read

Working With Advisors

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

AI - Additional Intelligence

I was asked by one of our students to do a quick overview on this AI presentation that they might be able to share with industry...

1 min read

Interview with Dave Steinberg

Talking about talking about what we do to differentiate yourself from other lenders. Full version: Short recap version:

11 Reasons to Carry a Big Long Mortgage - Reason 11

3 min read

11 Reasons to Carry a Big Long Mortgage - Reason 11

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 10

6 min read

11 Reasons to Carry a Big Long Mortgage - Reason 10

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 8 & 9

5 min read

11 Reasons to Carry a Big Long Mortgage - Reason 8 & 9

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 7

3 min read

11 Reasons to Carry a Big Long Mortgage - Reason 7

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 6

2 min read

11 Reasons to Carry a Big Long Mortgage - Reason 6

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

11 Reasons to Carry a Big Long Mortgage - Reason 4 & 5

3 min read