(c) All Rights Reserved - KendallTodd, Inc.

Simple Calculators to Answer Complicated Questions

At https://www.niofe.org/calculators we are adding back all our old calculators. About 9 years ago we received a $10,000 per month...

3 min read

Life Literacy

Questions Change Your Life

Created withDALL·E, an AI system by OpenAI I heard George speak at an Ameriprise conference years ago. His approach, is to dig into the...

2 min read

Where's the Money for the 99%?

When you look to make an impact financially - you go where the money is. Willie Sutton was famously asked 'Why do you rob banks?' Then...

2 min read

Debt and Borrowing are Relative

Hopefully, if you are reading my blog, https://www.borrowsmartuniversity.com/single-post/information-arbitrage-the-heart-of-most-decision...

1 min read

Financial Literacy - a curiosity study...

After talking to Dave Savage about financial literacy, I realize I hadn't looked into the recent research in some time, and there is a...

Your Income and Expectations are Programmed (good and bad)

3 min read

Life Literacy

Your Income and Expectations are Programmed (good and bad)

With a network of loan officers spanning 7 states, I as the CEO was keenly focused on their success and performance. We had a pacesetter...

1 min read

Just For Fun!

Loan Officer Stress Test

Please study the photo carefully: "The picture posted here has 2 identical dolphins in it. It was used in a case study on stress levels...

2 min read

Housing Just Gotta Be Like That...

The average monthly mortgage payment is us 62.2% from a year ago, per Zillow... driven by higher mortgage rates and higher house prices....

Information Arbitrage - the Heart of Most Decisions

4 min read

Life Literacy

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...

Is an Auto Crisis the Next Housing Crisis Jr?

2 min read

Is an Auto Crisis the Next Housing Crisis Jr?

I had a 2003 Suburban, loved it but we'd replaced it with a newer one. The KBB value on the car was $3,500 and that's what the dealer...

3 min read

The Renter Savings Trap - Wait to Buy?

It can be really difficult for renters to save for a down payment. If saving up to buy a house is your plan it may have some...

Returns Cycle - Real Estate On Top... What's next?

2 min read

Returns Cycle - Real Estate On Top... What's next?

In Q3, 2019 and Q4, 2021 real estate was on top. It move around like all asset classes. Watch what happens - when real estate was on...

2 min read

When You Must Borrow, Borrow Smart

Consumers are using credit card debt to make up the difference between current earnings and the inflationary rise in spending on food,...

Housing Has Been a Productive Wealth Generator

2 min read

Housing Has Been a Productive Wealth Generator

Are you better than you were a year ago? At something? Your house is... it took a masters class in wealth creation (or maybe it was...

Did Increasing Rates Bring Down Inflation in the 1970s?

2 min read

Did Increasing Rates Bring Down Inflation in the 1970s?

NO, and then YES. NO, as you can see interest rates were raised in 1970 to about 8.5%, and inflation abated, rates dropped for a few...

Housing Price Musings - Don't Believe the Hype

3 min read

Housing Price Musings - Don't Believe the Hype

Here's what I'm seeing daily: 1) Housing prices are not going down, they only go up. Because of x,y,z... 2) Housing prices are going...

2 min read

Where is Wealth Housed?

I found an old drawing on my iPad when I was first playing around with my new apple pencil. It's simple but there is a lot you can draw...

2 min read

Working With Advisors

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...

I'll Get Back To Lending and Housing - But...

3 min read

I'll Get Back To Lending and Housing - But...

in the mean time there is a lot going on out there that makes this an interesting time in our financial history - as a country, and for...

1 min read

Good News for The Economy

When you look at the overall strength of the borrow, their debt as a % of income is the lowest in measured history. Notice the peak in...

State of the Mortgage Industry - Half-Time Report

1 min read

Working With Advisors

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...

2 min read

We're Rich! er' than Ever...

American's a really great at making money. We are the most efficient nation on the planet in turning an hour into productivity that...

2 min read