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2 min read
Neighborhood Watch! - We Have Reached Stage 3 of 4
When interest rates rise, it puts pressure on things that require borrowing (leverage) and there is nothing bigger in that category than...
2 min read
"Recession" - Says Who?
I bought my dog, so I get to name it whatever I want. Her name is Lucy if you are curious. Who gets to name our economy a 'Recession'?...
2 min read
Hopes and Dreams
If you look at how we value a stock - there is book value (cash, equipment and machinery, any real estate, inventory, etc.) plus revenues...
2 min read
Cash is Trash - Buy Real Estate and Gold?
Ray Dalio - the founder of Bridgewater Capital say that with stocks down over 20% and bonds falling as well, the market is difficult, but...
1 min read
Optimistic About Their Financial Future
The GenZ crowd is excited and optimistic about money. It's interesting to see how others define wealth, and wealth has so much and so...
1 min read
Global Relative Values
In one picture, think of these colored blocks as the building blocks of our entire financial global world. Each block represents the...
1 min read
Got Real Estate?
Let's face it, real estate is the 'gold standard'. If you have assets, you've probably got real estate. Why? Because as Maslow said...
1 min read
Welcome to the Borrow Smart Blog
My Objectives: /Post regularly and concisely... and /Simplify real estate, lending and financial concepts... to /Promote greater clarity...
2 min read
Inflation Getting Stickier
I shared a post on Inflation and Borrow recently that has garnered many questions. A few people asked if inflation would come back down...
2 min read
Equity Lines of Credit - A Critical Cash Flow Management Tool
Earnest Hemingway was interviewed about his successes and his failures - including his ultimate bankruptcy after being such a successful...
2 min read
Housing Appreciation
I believe housing is going to adjust and 'cool off' but that doesn't mean 2008 style cooling off, that means cooling down from 20% growth...
1 min read
When Do Stonks Stop Going Down?
It depends... on a lot of things. If Tesla's were $100, everyone would drive them. When things are cheaper people get more interested...
1 min read
A Financial Advisor Walked Into a Bar
when stocks go down, people get scared about their financial future
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More Money in Real Estate than Equities
Why manage liabilities? Because there is more money there to be managed in Real Estate than there are Equities. The majority of real...
1 min read
Destroying Your Desire to Buy, Buy, Buy
What do you do if you are the FED and you want to lower inflation... you have to get people to stop buying so much stuff. Option 1: ...
1 min read
18,000,000 Buyers now 'on hold'
When rates go up, it drives affordability down. According to a recent John Burns article, 18M people that were looking to buy have been...
1 min read
Perspective
This video is something I watched when I felt my problems were too big to handle. (aka - 2007-2008 business cycle). This old but...
1 min read
Cycles
Had a nice conversation with Dave Savage for his project to support loan officers in this unique environment... I wanted to share some...
1 min read
Chicken or Egg?
Do interest rates start to come back down, or do house prices start to come back down? Either way, you can't have you cake and eat it too!...
1 min read
Are You Richer Than Rockefeller?
There is something to be said for the quality of life we have as American citizens. You can be a millionaire in many countries and still...
1 min read
Squeeze - Renters - a Rock and Hard Place
When interest rates go up, and we have inflation - people can afford less. New listings are dropping their list prices for the first...
1 min read
What Happens When You Borrow More than you can Afford?
As a macro tourist - think of the US Balance Sheet in these terms: RED LINE = Cash Flow from the gross domestic product (all the...
1 min read
Stocks / Real Estate Values Index
This is a fascinating way to think about valuation. If the entire stock market was worth $100,000 and you were the only investor - and...
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