Musings of a Certified Liability Advisor - Not Investment Advice

What is the Purpose of Life?

Stan Hayward turns this around for us, in a lovely poem. I've taken the liberty of using AI and turning his poem into a video.

Room Temperature Coffee is 'Easy'

Why don't we all drink room temperature coffee? It's really easy, just pour water into a cup, and add your coffee and stir. Easy,...

Do you know how to surf the AI wave? You better learn...

We don't know what the future may look like, but I bet it's going to look more like this than we might expect: (image of housekeeper...

Doing More with Less - AI for lending and real estate!

When is less more? When you can use less time to provide a greater output. Technology has already been doing this for us, but the...

Think Different - We're Just Getting Started...

This has been an amazing journey, being in a position to learn the lending industry, the financial advice industry and the real estate...

The Power of 5.31% and 20 Years

There are many 'hacks' we use when communicating powerful concepts to borrowers to help them understand compound interest, etc. An old...

What Cycle are We In, and What Works Now?

This is a simple, but profound history of the typical cycles we go through with markets. The housing cycle tends to 'lead' which means...

New AI Tools / Massive Transformation / Resources

Looking to find the perfect AI tool for the job? https://library.phygital.plus/?ref=producthunt allows you to search over 1,000 AI...

Will Money Make You Happy?

We have a common denominator in what we do with our precious life energy... Realtors, Lenders, Financial Advisors all interact with...

Banking is a Confidence Game

Some thoughts on the banking crisis and recent issue with Silicon Valley Bank. There are continued cracks in the confidence game that is...

The Tale of Two Tellers

How banks make money, and how you can too! I wrote a short e-book based on some prior blog posts to talk about concerns I was having with...

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