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2 min read
Hard Landing or Soft Landing - What is a Rate Anyway?
We see everywhere the impact of higher interest rates, but we often don't fully consider what interest rate is relevant to return, and...
2 min read
Thinking About the Rock That's Not In My Shoe
"I can picture in my mind a world without war, a world without hate. And I can picture us attacking that world because they'd never...
1 min read
Expected Key Numbers for 2023
These are expected Key Numbers for the coming year 2023. Notice standard deductions are increasing, capital gains threshold are...
1 min read
New Financial Literacy Learning Journey
I created this for those that want to sharpen their financial literacy by organizing some of our best content in the order I think a loan...
2 min read
The Interwhat?
What's it really feel like to be presented with a new concept? Let's listen to a panel of experts that have no place (mentally) to put...
2 min read
Returns Over Time (aka - 'stonks' go up)
This chart had a profound impact on me when I was first starting out as a young loan officer -as I began calling on financial advisors. ...
2 min read
Tale of Two Tellers - the House - vs - Home
What does this have to do with the Tale of Two Tellers? Remember when I say there this the financial decision, which is logical, and the...
3 min read
Tale of Two Tellers - Part VI
We began with a simple example. You walk into a bank, you give money to one teller and you borrow money from the other teller. This is...
3 min read
Tale of Two Tellers - Part V
Do things change when you buy a house? It depends. While you wouldn't go to the teller for a mortgage, you are still ultimately...
2 min read
Tale of Two Tellers - Part IV
We agreed you aren't spending, and that decision creates options! The options are to save, or repay If we look at this simple decision to...
2 min read
Tale of Two Tellers - Part III
We have a decision to make - one you face every single day - whether you realize it or not. If you have more money than month, and you...
2 min read
The Tale of Two Tellers - Part II
Building on the last post - we shared that over a lifetime relationship of a client - their contributing $80,000 in (checking, savings,...
2 min read
The Tale of Two Tellers - Part I
We'll do a series of posts talking about a concept I created in 2007 to help consumers understand the real cost of their money - EPR...
1 min read
House or Home - Sentiment is Key
As we've shared the cycles of real estate are driven by real facts (eligibility) and (suitability) is now the right time to buy......
1 min read
Saving Early and Being Consistent => Wealth
There are many simple things that are easy to remember that can help you teach others about powerful financial concepts. We've shared...
3 min read
How to 'Create' Content and Control the Upstream Narrative
I get asked a lot by peeps out there - 'can I use your content?' and 'how can I share your content?' and 'where do you get your...
1 min read
Why Rate Discussions Create Tension
In my prior post, we talked about dynamics around interest rate and ways (at a minimum) to move it to a discussion about payment. From...
2 min read
Why do Consumers Care About Rates?
If you were a consumer, what have you been trained to ask about? When I started in the business the interest rates were published in the...
2 min read
4 Phases of Real Estate Cycles
We move from phases where we are in a buyers market and move to a sellers market and back again. It depends on your location, property...
2 min read
Housing as a Luxury Good?
"When I started in this business, there was a broad consensus around making the American dream accessible to middle and lower income...
2 min read
Food, Clothing, Transportation, Shelter
In our series here, the 'Life Literacy' aspects of these posts will tend to focus on Esteem and Self-actualization. When it comes to our...
2 min read
Waiting for Rates to Drop? Think Different
Freddie Mac reports in their Primary Mortgage Market Survey that 99% of all locked mortgage rates are below current rates, you can see...
2 min read
Are You Watching Others Change?
Am I the one who is changing, or do I find myself watching others change? Change is hard, and one of my favorite definitions of a...
1 min read
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...
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