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2 min read
11 Reasons to Carry a Big Long Mortgage - Reason 3
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...
4 min read
11 Reasons to Carry a Big Long Mortgage - Reason 2
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...
3 min read
11 Reasons to Carry a Big Long Mortgage - Reason 1
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...
2 min read
Is 2 Minutes a Good Read Time For This Blog?
It depends. What was the last number you can remember hearing? I taught a course years ago about the book 'Priceless' which was written...
1 min read
The 30 Year Time Frame
In my book - Borrow Smart Repay Smart I use the 30-year time frame for most examples. As as a liability advisor I knew most people would...
2 min read
TINA -vs- TARA
Investor s are really negative (blue line), but in being so frustrated by the stock market they have largely done nothing (black line),...
1 min read
Simple Amortization - a Powerful Teaching Tool
When I first started out as a loan officer, my 'boss' had me to a 30 year amortization by hand. No excel, just a simple calculator and a...
3 min read
Understanding Where the Loan Officers Fit In the Macro Universe
Ray Dalio is a jedi and understanding the macro (big picture) and how to apply to to the daily (practical engagement). If you aren't...
2 min read
Give Clients Questions they should ask Mortgage Lenders
As a follow up to our post on questions for financial advisors. We use a specific process of giving clients questions they should ask...
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...
2 min read
'IF-' Rudyard Kipling
Upon reflection of the 2022 year that is ending - this seems a solid reminder from Rudyard Kipling - a poem that stands the test of time...
2 min read
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? ...
1 min read
Consumers Under Stress
Experiment Playing around with a new format of communication. Sharing a few key slides and thoughts about them in a video format.
1 min read
It's Not About the Nail (Rate)!
One of my favorite short videos of all time. I've always wanted to do a parody of this called: 'It's not about the rate'. In the...
2 min read
Lion of Lyin?
The worst thing we can do to ourselves is start lyin' to ourselves. There is a big difference between a Lion and Lyin'. We could say...
1 min read
NAR - YUN Forecast is Very Positive for 2023-204
I read a lot, and one of my favorite things to do is try to distill the key information down into smaller digestible bites. I also enjoy...
2 min read
Same Storm - Different Boats
Illustration: Barbara Kelley There's an old saying 'we are in the same boat' and it means we are in the same situation. Damian Barr...
1 min read
Recession - Ready or Not?
These are some new experiments - I read a paper, and translate it into a short video. Source - Andrew Cohn
2 min read
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...
1 min read
FOGG of WAR (aka Motivating Consumer Behavior)
Sharing an interesting model that could be applied to a client deciding to engage in a mortgage transaction. The idea, is essentially...
2 min read
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...
2 min read
The Real State of Real Estate
A great article from Amanda Hoover and Ashwin Rodrigues that is worth a read, and I simply want to take a few of their illustrations and...
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