Appreciation - Slowing but Positive
Appreciation is slowing exactly as forecasted, but it's still a positive expectation. So the rapid increase wasn't sustainable, but that...
top of page
the Borrow Smart BLOG
The Borrow Smart Chronicles
Search
1 min read
Inflation and Borrowing
Inflation is so painful, but we often overlook the positive impact of inflation on borrowing. The government understands this and...
1 min read
Homebuyer Demand Slowing as Predicted
This is the softening that will allow some a greater chance to enter the real estate market. Homebuyer Demand is dropping below 2020...
1 min read
Periodic Table of Investment Types
There are as many ways to save as there are ideas about money. Keep it simple - find something you know about and find interesting and...
1 min read
Housing Price Increase
Great share by John Wakefield @realestatedecoded https://public.tableau.com/shared/ZGMPK3MWD?:showVizHome=no Interactive link above: It...
1 min read
Housing Affordability Index
Great share by John Wakefield @realestatedecoded https://public.tableau.com/views/Case-ShillerCustom_2/RealMMPPC-SHPI1990?:showVizHome=no...
1 min read
What's the real problem?
"Some 36% of households taking in nearly four times the median US salary devote nearly all of their income to household expenses". ...
1 min read
Confidence in Buying a House
Reaching all time lows - higher rates are hurting that, but as house value stay to soften I'd expect this to turn up - then we'll need...
1 min read
Who Flinches First?
Will the house price index start to move down toward hourly earnings, or will hourly earnings catch up with prices?
1 min read
What will higher interest rates produce?
Inflation caused by an easy money policy leads to a cure of inflation with a tighter monetary policy. What’s the expectation? Higher...
1 min read
Real Wealth -vs- Inflation
Real wealth is the difference between the net growth of your assets and the loss of purchasing power from inflation. If you had $10 in...
1 min read
The Real Estate Dilemma
Here's a dilemma: Consumers feel now is the worst time to buy real estate. Consumers now feel real estate is the best investment you can...
1 min read
Fed Rates -vs- Fed Chair Height
Don't worry, as soon as we get a shorter Fed Chair rates should start coming back down again... and the market will grow taller!
1 min read
How Much Land Does a Man Need?
'How Much Land Does a Man Need?' One of the most profound short stories I've ever read. We use this as part of our What is Enough?...
1 min read
Recession
I think we are just starting into a recession - one that could be more lengthy and difficult. A recipe of two parts low rates (now...
1 min read
The Housing Price Gap
How does this gap get filled? When housing prices rise as quickly as they have over the last 15 years a huge part of the market gets...
1 min read
Need and Opportunity
A Certified Liability Advisor is going to look at all your liabilities as part of a broad solution. There are two reasons to borrow: ...
1 min read
Ask yourself where we are in the cycle on housing prices?
This is a solid visual on the cycles of markets...
1 min read
Financial Literacy Education in Schools
I was surprised this year that my daughter had to take Personal Finance as a 10th grader. It was required because of new state...
1 min read
Housing Appreciation and Income
Something to ponder - the highest we've ever been in this 'ratio' was 2006 when the average appreciation was about 55% of the median income.
1 min read
Renting vs. Owning
Consumers are now feeling the rent equivalent increases as landlords start to exercise their ability to offset higher costs in the form...
1 min read
Builders to the rescue!
We drastically need new inventory - but any shocks to the economy would slow the builders down again as it did in 2007...
1 min read
Recession and Borrowing Growth
Another simpler look - we are continuing to grow our borrowing since the last financial recession. Most borrowing is related to the...
1 min read
Remedying a Bear Market
Looking at prior bear markets, the sickness that drove the market lower was economic and the medicine was lower interest rates. What...
(c) All Rights Reserved - KendallTodd, Inc.
bottom of page