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...

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...

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...

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...

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...

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...

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...

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...

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...

It depends. What was the last number you can remember hearing? I taught a course years ago about the book 'Priceless' which was written...

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...

Investor s are really negative (blue line), but in being so frustrated by the stock market they have largely done nothing (black line),...

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...

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...

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...

Experiment Playing around with a new format of communication. Sharing a few key slides and thoughts about them in a video format.

One of my favorite short videos of all time. I've always wanted to do a parody of this called: 'It's not about the rate'. In the...

These are some new experiments - I read a paper, and translate it into a short video. Source - Andrew Cohn

Sharing an interesting model that could be applied to a client deciding to engage in a mortgage transaction. The idea, is essentially...

A great article from Amanda Hoover and Ashwin Rodrigues that is worth a read, and I simply want to take a few of their illustrations and...

We see everywhere the impact of higher interest rates, but we often don't fully consider what interest rate is relevant to return, and...

These are expected Key Numbers for the coming year 2023. Notice standard deductions are increasing, capital gains threshold are...

I created this for those that want to sharpen their financial literacy by organizing some of our best content in the order I think a loan...