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...

Visit: https://www.facebook.com/NIFECLA for more charts and updates. The Fed may slow or stop increasing rates as term premium in bonds...

What if you are forced to buy a smaller house because of higher rates... Key consideration: Appreciation (offsets cost of ownership...

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...

Just a thought - but in our course we say that if: 'time is money' then 'time management is money management'. Me I was reading...

My favorite charts from this past month and the stories they tell us about what's going on in financial (real estate, lending and...

Black Knight August 2023 Mortgage Monitor Report Highlights - Home prices are at record highs, both nationally and locally. - The lack...

The Rising Trend of Credit Card Debt Among US Adults A recent study conducted by Bankrate has highlighted an alarming trend in the...

What's happening in the real estate, lending and wealth creation landscape. Each month I'll highlight what I find interesting, and why in...

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...

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...

Nominal growth and real growth are two concepts used to measure the increase in real estate values over time. They represent different...

What's an inverted yield curve and why should you care? Imagine you have a lemonade stand, and you sell lemonade to your friends....

Now on YouTube. We've had people ask about this in the past - as a convenience we have posted as a playlist. This series from niofe.org...

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

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

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

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

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...

I was recently talking to an acquaintance that had been wanting to buy a house... something became available for them in their market,...

Your mortgage is your largest expense (at least it is for 85% of US Citizens) and it is subsequently the largest debt for about that same...

https://fred.stlouisfed.org/graph/?g=10alK Looking at the FRED data, there are only two times inflation rates were higher than the 30...

After putting together my thoughts about the last published version of the Ric Edelman - 11 Reasons to Carry a Big Long Mortgage, I've...

Talking about talking about what we do to differentiate yourself from other lenders. Full version: Short recap version: