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Returns Cycle - Real Estate On Top... What's next?
In Q3, 2019 and Q4, 2021 real estate was on top. It move around like all asset classes. Watch what happens - when real estate was on...
2 min read
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When You Must Borrow, Borrow Smart
Consumers are using credit card debt to make up the difference between current earnings and the inflationary rise in spending on food,...
2 min read
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Housing Has Been a Productive Wealth Generator
Are you better than you were a year ago? At something? Your house is... it took a masters class in wealth creation (or maybe it was...
2 min read
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Did Increasing Rates Bring Down Inflation in the 1970s?
NO, and then YES. NO, as you can see interest rates were raised in 1970 to about 8.5%, and inflation abated, rates dropped for a few...
2 min read
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Housing Price Musings - Don't Believe the Hype
Here's what I'm seeing daily: 1) Housing prices are not going down, they only go up. Because of x,y,z... 2) Housing prices are going...
3 min read
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Where is Wealth Housed?
I found an old drawing on my iPad when I was first playing around with my new apple pencil. It's simple but there is a lot you can draw...
2 min read
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Lifecyle of Equity Development
Years ago working on a project for Ameriprise, we looked into the dynamics of equity creation from home ownership. Equity development...
2 min read
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I'll Get Back To Lending and Housing - But...
in the mean time there is a lot going on out there that makes this an interesting time in our financial history - as a country, and for...
3 min read
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Good News for The Economy
When you look at the overall strength of the borrow, their debt as a % of income is the lowest in measured history. Notice the peak in...
1 min read
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State of the Mortgage Industry - Half-Time Report
Dave Savage is doing such an incredible service to the mortgage industry with his work, and I was fortunate to get to spend some time...
1 min read
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We're Rich! er' than Ever...
American's a really great at making money. We are the most efficient nation on the planet in turning an hour into productivity that...
2 min read
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The Renter Challenge
There are times to rent, but only in short term time frames. Over time the average person is making income that is keeping pace with...
2 min read
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