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...

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...

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...

It depends. What was the last number you can remember hearing? I taught a course years ago about the book 'Priceless' which was written...

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...

Investor s are really negative (blue line), but in being so frustrated by the stock market they have largely done nothing (black line),...

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...

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...

As a follow up to our post on questions for financial advisors. We use a specific process of giving clients questions they should ask...

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

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...

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? ...

Experiment Playing around with a new format of communication. Sharing a few key slides and thoughts about them in a video format.

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...

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...

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...

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...

These are some new experiments - I read a paper, and translate it into a short video. Source - Andrew Cohn

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

Sharing an interesting model that could be applied to a client deciding to engage in a mortgage transaction. The idea, is essentially...

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

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...