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...
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the Borrow Smart BLOG
Musings of a Certified Liability Advisor - Not Investment Advice
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- 1 min
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...
- 1 min
Using a 401(k) for Buying a House
I was recently talking to an acquaintance that had been wanting to buy a house... something became available for them in their market,...
- 2 min
How about a $6.79 Trillion Dollar Off Payment Coupon
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...
- 2 min
30 Year -vs- Inflation - What's the next step?
https://fred.stlouisfed.org/graph/?g=10alK Looking at the FRED data, there are only two times inflation rates were higher than the 30...
- 1 min
11 Reasons Articles Consolidated - Ebook
After putting together my thoughts about the last published version of the Ric Edelman - 11 Reasons to Carry a Big Long Mortgage, I've...
- 1 min
Interview with Dave Steinberg
Talking about talking about what we do to differentiate yourself from other lenders. Full version: Short recap version:
- 3 min
11 Reasons to Carry a Big Long Mortgage - Reason 11
This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...
- 6 min
11 Reasons to Carry a Big Long Mortgage - Reason 10
This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...
- 5 min
11 Reasons to Carry a Big Long Mortgage - Reason 8 & 9
This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...
- 3 min
11 Reasons to Carry a Big Long Mortgage - Reason 7
This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...
- 2 min
11 Reasons to Carry a Big Long Mortgage - Reason 6
This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...
- 3 min
11 Reasons to Carry a Big Long Mortgage - Reason 4 & 5
This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...
- 2 min
11 Reasons to Carry a Big Long Mortgage - Reason 3
This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...
- 4 min
11 Reasons to Carry a Big Long Mortgage - Reason 2
This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...
- 3 min
11 Reasons to Carry a Big Long Mortgage - Reason 1
This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...
- 2 min
Is 2 Minutes a Good Read Time For This Blog?
It depends. What was the last number you can remember hearing? I taught a course years ago about the book 'Priceless' which was written...
- 1 min
The 30 Year Time Frame
In my book - Borrow Smart Repay Smart I use the 30-year time frame for most examples. As as a liability advisor I knew most people would...
- 2 min
TINA -vs- TARA
Investor s are really negative (blue line), but in being so frustrated by the stock market they have largely done nothing (black line),...
- 1 min
Simple Amortization - a Powerful Teaching Tool
When I first started out as a loan officer, my 'boss' had me to a 30 year amortization by hand. No excel, just a simple calculator and a...
- 3 min
Understanding Where the Loan Officers Fit In the Macro Universe
Ray Dalio is a jedi and understanding the macro (big picture) and how to apply to to the daily (practical engagement). If you aren't...
- 2 min
How Can You Add More Value to Advisors
Advisors are always looking for ways to add value to their clients - but how do you add more value to financial advisors? Here are 101...
- 1 min
Consumers Under Stress
Experiment Playing around with a new format of communication. Sharing a few key slides and thoughts about them in a video format.
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