<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[KendallTodd, Inc. ]]></title><description><![CDATA[Borrow Smart]]></description><link>https://www.borrowsmartuniversity.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Thu, 12 Mar 2026 22:27:33 GMT</lastBuildDate><atom:link href="https://www.borrowsmartuniversity.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Boosting Clientele with Advisor Referral Strategies]]></title><description><![CDATA[You want to grow your business FAST. You want to build a network that keeps delivering clients without chasing leads every day. Guess...]]></description><link>https://www.borrowsmartuniversity.com/single-post/boosting-clientele-with-advisor-referral-strategies</link><guid isPermaLink="false">68e3e1a64a2f8583aa9ae39f</guid><pubDate>Mon, 06 Oct 2025 16:57:40 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_95555a08760746aea78f1a1da6bb6aa3~mv2.png/v1/fit/w_1000,h_768,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Enhancing Financial Literacy with the Right Tools]]></title><description><![CDATA[Financial literacy is not just a buzzword. It’s the backbone of success in the mortgage industry. You know that, right? But how do you...]]></description><link>https://www.borrowsmartuniversity.com/single-post/enhancing-financial-literacy-with-the-right-tools</link><guid isPermaLink="false">68d1408ad500dd3ed0e42539</guid><pubDate>Mon, 22 Sep 2025 14:49:15 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_1805ff8de25e4b55a657b770c511e1e2~mv2.png/v1/fit/w_1000,h_768,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Understanding Certified Liability Advisors]]></title><description><![CDATA[If you want to level up  your mortgage game, understanding liability risk management is non-negotiable. You’re not just closing...]]></description><link>https://www.borrowsmartuniversity.com/single-post/understanding-certified-liability-advisors</link><guid isPermaLink="false">688cd441b1a898220b9babb2</guid><pubDate>Fri, 01 Aug 2025 14:52:53 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_e75559921c61468cbe8a0676521f03f1~mv2.png/v1/fit/w_1000,h_768,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Missing Money]]></title><description><![CDATA[There are so many ways you may be missing money.  Missed opportunities are a big one, but there is literally missing money you can find...]]></description><link>https://www.borrowsmartuniversity.com/single-post/missing-money</link><guid isPermaLink="false">65295951c3bd1f138f61f2a3</guid><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Moved]]></category><pubDate>Fri, 13 Oct 2023 15:02:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_d2b089454f2c4bfba468d07e6d2bcf82~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Term Premium and Tightening Market Conditions]]></title><description><![CDATA[Visit:  https://www.facebook.com/NIFECLA for more charts and updates. The Fed may slow or stop increasing rates as term premium in bonds...]]></description><link>https://www.borrowsmartuniversity.com/single-post/term-premium-and-tightening-market-conditions</link><guid isPermaLink="false">6528507a2771b493d7e21eb9</guid><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Housing and Lending]]></category><pubDate>Thu, 12 Oct 2023 21:13:37 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_baaa355452c44dee91759a392627dea3~mv2.png/v1/fit/w_565,h_495,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Is Buying a Smaller House a Good Idea?]]></title><description><![CDATA[What if you are forced to buy a smaller house because of higher rates... Key consideration:  Appreciation (offsets cost of ownership...]]></description><link>https://www.borrowsmartuniversity.com/single-post/is-buying-a-smaller-house-a-good-idea</link><guid isPermaLink="false">64e759c0aaa32f4f8d2a2114</guid><category><![CDATA[Housing and Lending]]></category><category><![CDATA[Investing for Wealth Creation]]></category><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Moved]]></category><pubDate>Thu, 24 Aug 2023 16:47:17 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_e1116304991b47c5acb025237bf0e186~mv2.png/v1/fit/w_1000,h_529,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Bonds, Bills, Notes - What's The Difference?]]></title><description><![CDATA[It is no secret that the government is 'making money' literally by issuing debt.  As we've discussed on prior posts, when the bank loans...]]></description><link>https://www.borrowsmartuniversity.com/single-post/bondbillnotedifference</link><guid isPermaLink="false">64e37b2dd26969aa11c9f5f1</guid><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Housing and Lending]]></category><category><![CDATA[Moved]]></category><pubDate>Mon, 21 Aug 2023 15:05:04 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_8951ef43edfd4c9d9e7a96df20449f8b~mv2.png/v1/fit/w_642,h_481,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Some Favorite AI Tools by Category]]></title><description><![CDATA[The research category is new to me, but I'm finding helpful when writing quick posts or summaries. Personal Assistant/AI Tools: ChatGPT -...]]></description><link>https://www.borrowsmartuniversity.com/single-post/reference-ai-tools-by-category</link><guid isPermaLink="false">64dbadda8e62b0ecabbe087f</guid><category><![CDATA[Life Literacy]]></category><category><![CDATA[Moved]]></category><pubDate>Tue, 15 Aug 2023 17:14:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_f242c4cea50747b8ab4e0aebeadec380~mv2.jpg/v1/fit/w_640,h_832,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Is Interest the Price of Time? ]]></title><description><![CDATA[Just a thought - but in our course we say that if: 'time is money' then 'time management is money management'.   Me I was reading...]]></description><link>https://www.borrowsmartuniversity.com/single-post/is-interest-the-price-of-time</link><guid isPermaLink="false">64d7999515f6052ae0ea5040</guid><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Housing and Lending]]></category><category><![CDATA[Investing for Wealth Creation]]></category><category><![CDATA[Moved]]></category><pubDate>Sat, 12 Aug 2023 14:57:20 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_9db4d9d655ca420e9a5450186cc0b274~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Chart Storm Hero - July 2023 - Be a Mortgage Advisor]]></title><description><![CDATA[My favorite charts from this past month and the stories they tell us about what's going on in financial (real estate, lending and...]]></description><link>https://www.borrowsmartuniversity.com/single-post/mortgageadvisorjuly2023</link><guid isPermaLink="false">64d2facfc3f33926318308c7</guid><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Investing for Wealth Creation]]></category><category><![CDATA[Housing and Lending]]></category><pubDate>Wed, 09 Aug 2023 15:11:02 GMT</pubDate><enclosure url="http://youtu.be/_ftxdv0bL8o" length="0" type="video"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Housing Values Keep Going Up]]></title><description><![CDATA[Black Knight August 2023 Mortgage Monitor Report Highlights  - Home prices are at record highs, both nationally and locally. - The lack...]]></description><link>https://www.borrowsmartuniversity.com/single-post/housing-values-keep-going-up</link><guid isPermaLink="false">64d129544bce8719df96857e</guid><category><![CDATA[Housing and Lending]]></category><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Investing for Wealth Creation]]></category><category><![CDATA[Moved]]></category><pubDate>Tue, 08 Aug 2023 15:00:07 GMT</pubDate><enclosure url="http://video.wixstatic.com/video/275909_7d34749ca2f649d3872102c9437952f1/1080p/mp4/file.mp4" length="0" type="video"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Boomers Are Winning a Battle for Housing]]></title><description><![CDATA[Short video pointing out some key points around leverage.  If you are in the housing game you can trade up or down, but with leverage...]]></description><link>https://www.borrowsmartuniversity.com/single-post/boomers-are-winning-a-battle-for-housing</link><guid isPermaLink="false">64d10b901fda70569cdaff28</guid><category><![CDATA[Housing and Lending]]></category><category><![CDATA[Moved]]></category><pubDate>Mon, 07 Aug 2023 15:31:34 GMT</pubDate><enclosure url="http://video.wixstatic.com/video/275909_6ea6b9fff263441084d5d4a52623024c/1080p/mp4/file.mp4" length="0" type="video"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[More Credit Card Debt Than Savings?]]></title><description><![CDATA[The Rising Trend of Credit Card Debt Among US Adults A recent study conducted by Bankrate has highlighted an alarming trend in the...]]></description><link>https://www.borrowsmartuniversity.com/single-post/more-credit-card-debt-than-savings</link><guid isPermaLink="false">64cb9d792a28bf40d2dc5a85</guid><category><![CDATA[Housing and Lending]]></category><category><![CDATA[Investing for Wealth Creation]]></category><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Moved]]></category><pubDate>Thu, 03 Aug 2023 12:51:07 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_4604ec5103ac4b2193183226f34cd4d7~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[July 2023 - What's Happening in Real Estate and Lending]]></title><description><![CDATA[What's happening in the real estate, lending and wealth creation landscape. Each month I'll highlight what I find interesting, and why in...]]></description><link>https://www.borrowsmartuniversity.com/single-post/july2023realestateandlending</link><guid isPermaLink="false">64b975072b325c41dda94a2c</guid><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Housing and Lending]]></category><category><![CDATA[Investing for Wealth Creation]]></category><pubDate>Thu, 20 Jul 2023 18:36:16 GMT</pubDate><enclosure url="http://video.wixstatic.com/video/275909_63e775491b9e4e71aadc509729f973f2/1080p/mp4/file.mp4" length="0" type="video"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[HEY Mom... Where Does Debt Come From?]]></title><description><![CDATA[When we talk about debt pulling spending power forward, it means that people can buy things even if they don't have enough money saved...]]></description><link>https://www.borrowsmartuniversity.com/single-post/hey-where-does-debt-come-from</link><guid isPermaLink="false">64b46e2ac85e44d1faea99a3</guid><category><![CDATA[Investing for Wealth Creation]]></category><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Moved]]></category><pubDate>Sun, 16 Jul 2023 22:41:53 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_a90543835bce4e70aff635ce12cdc125~mv2.jpg/v1/fit/w_680,h_513,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[How To Do Great Work?]]></title><description><![CDATA[http://paulgraham.com/greatwork.html Working with and coaching students, adults and even retirees, this question comes up in many ways....]]></description><link>https://www.borrowsmartuniversity.com/single-post/how-to-do-great-work</link><guid isPermaLink="false">64aabf5b9ef57452e7ea308e</guid><category><![CDATA[Life Literacy]]></category><category><![CDATA[Moved]]></category><pubDate>Sun, 09 Jul 2023 14:17:37 GMT</pubDate><enclosure url="http://video.wixstatic.com/video/275909_a56250eaaa69405584525e23c1f1aff1/1080p/mp4/file.mp4" length="0" type="video"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Amortization Table]]></title><description><![CDATA[A simple amortization table is a handy resource if you don't have one lying around.  We talked about how powerful this can be as an...]]></description><link>https://www.borrowsmartuniversity.com/single-post/amortization-table</link><guid isPermaLink="false">64a5c78d59780cf0b46ec9f2</guid><category><![CDATA[Housing and Lending]]></category><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Moved]]></category><pubDate>Wed, 05 Jul 2023 20:02:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_b2652a97cc1d44018004a003bf537f9a~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Understanding Nominal Versus Real Property Value Growth]]></title><description><![CDATA[Nominal growth and real growth are two concepts used to measure the increase in real estate values over time. They represent different...]]></description><link>https://www.borrowsmartuniversity.com/single-post/understanding-nominal-versus-real-property-value-growth</link><guid isPermaLink="false">649dc38b723671daa111ac2c</guid><category><![CDATA[Housing and Lending]]></category><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Investing for Wealth Creation]]></category><category><![CDATA[Moved]]></category><pubDate>Thu, 29 Jun 2023 18:02:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_7de0dfbf90f946a3a6ecaed8de4d50e3~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Homebuilders - A Thought Experiment (ITB)]]></title><description><![CDATA[I wonder if home builders are a good investment here, or did they front run all this building that they are doing and the recession takes...]]></description><link>https://www.borrowsmartuniversity.com/single-post/homebuilders-a-thought-experiment-itb</link><guid isPermaLink="false">649351388852dbe2069e0a70</guid><category><![CDATA[Investing for Wealth Creation]]></category><category><![CDATA[Housing and Lending]]></category><category><![CDATA[Moved]]></category><pubDate>Wed, 21 Jun 2023 19:44:41 GMT</pubDate><enclosure url="http://video.wixstatic.com/video/275909_fd2280def21344878f5b276d0aafa401/1080p/mp4/file.mp4" length="0" type="video"/><dc:creator>Todd Ballenger</dc:creator></item><item><title><![CDATA[Yield Curves that Invert in the Night]]></title><description><![CDATA[What's an inverted yield curve and why should you care? Imagine you have a lemonade stand, and you sell lemonade to your friends....]]></description><link>https://www.borrowsmartuniversity.com/single-post/curves-that-invert-in-the-night</link><guid isPermaLink="false">64909be7f3dd68cac3adc7b6</guid><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Housing and Lending]]></category><category><![CDATA[Investing for Wealth Creation]]></category><category><![CDATA[Moved]]></category><pubDate>Tue, 20 Jun 2023 15:11:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/275909_2740b9f018e949b587b133a3c494f6a6~mv2.jpg/v1/fit/w_1000,h_994,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Todd Ballenger</dc:creator></item></channel></rss>