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Soaring Home Prices and Relatively Flat Income

Inflation drives house values up, and if income is keeping pace, most of us are happy. When income stay relatively flat - as you can see...

Visualizing the Dynamics of Housing Affordability

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Visualizing the Dynamics of Housing Affordability

Great resource to visualize the dynamics of housing affordability... https://dqydj.com/historical-home-affordability/

The Incompatibility of Rates and Housing Prices

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The Incompatibility of Rates and Housing Prices

Housing Prices - YOY change in the S&P CoreLogic Case-Shiller Home Prices. Inflation (driven by low rates and high demand + low...

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Recent Volatility of Rates

Talking to one of our CLAs recently we discussed the speed at which rates have moved up. Researching it further - I was surprised to see...

Thought Experiment on Price of Goods and Services

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Thought Experiment on Price of Goods and Services

Thought experiment - You live on an island with a fixed number of people, goods, and services. Every year a plane flies over the island...

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Thoughts on Inflation

"Inflation feels like paying interest on money you didn't borrow." Todd Ballenger

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US Housing Affordability Downtrend

When rates go down, buying power goes up. This means if the house prices stay the same - you can buy a bigger house or have a lower...

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3-Legged Stool of Investing

We talk about Safety, Liquidity and Return as the 3-legged stool of investing. CASH is a version of sitting on the sidelines with your...

Understanding Cycles and Maximizing Your Liability Asset Gap

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Understanding Cycles and Maximizing Your Liability Asset Gap

Things move in cycles, and one of my favorite Macro econ gurus is Marco 42 - Darius Dale. He has studied what works well in each market...

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Working With Advisors

Understanding Market Structure Cycles

The market moves in cycles, rates move in cycles, the sun and moon move in cycles... Knowing where you are in the cycle is key.

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Entrenchment of Inflation

I am writing a new ebook as part of a series - and that includes this hot topic of inflation. When they say 'sticky' they mean that once...

Interest Rate Increases and Market Strength

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Interest Rate Increases and Market Strength

Interest rate increases are often a sign of market strength... in the past the increases slowed the market, but the market easily...

A Look at the Impact of the Financial World Changes

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A Look at the Impact of the Financial World Changes

Wonderful look at what's happening right now with the financial world, and the financial world does impact just about everything we do...

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Focusing Wealth in the House

If you've followed my work, you know that I crossed the balance sheet because I felt I could have a bigger impact on consumers growing...

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A Borrower Perspective

Just for fun, how did you see your borrowing experience?

Stimulus Payments - Effect on Inflation and Housing Affordability

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Stimulus Payments - Effect on Inflation and Housing Affordability

We peaked at close to 5% personal savings during the COVID recession, mainly from stimulus payments directly to the consumer. This...

How much will you spend to live indoors?

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How much will you spend to live indoors?

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The Illusion of Appreciation

When we talk about housing - the only way buying a house makes you money directly is through appreciation. This appreciation is real,...

Long-term Unsustainability of Purchasing Houses Purely for Return

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Long-term Unsustainability of Purchasing Houses Purely for Return

We teach that your house is an investment - it has properties that reduce your cost of living indoors over time (like appreciation of...

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Mortgage Payment Over Time

What story does this graph tell? HINT: Real income goes up over time, Real rents go up over time, what goes down over time? Your real...

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The Reality of Investment Returns

When you invest, you are used to seeing a chart like this - this shows investments returns since 1926. Note the reason we invest in...

PIN/FIN Challenge for Your Personal Financial Journey

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PIN/FIN Challenge for Your Personal Financial Journey

NIFE has released new consumer financial education. Aren't you a consumer? Click and take the PIN/FIN Challenge to see how you are doing...

Why Should We Be Concerned About Rising Interest Rates?

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