Musings of a Certified Liability Advisor - Not Investment Advice

Do you know how to surf the AI wave? You better learn...

We don't know what the future may look like, but I bet it's going to look more like this than we might expect: (image of housekeeper...

Doing More with Less - AI for lending and real estate!

When is less more? When you can use less time to provide a greater output. Technology has already been doing this for us, but the...

The Power of 5.31% and 20 Years

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

What Cycle are We In, and What Works Now?

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

Will Money Make You Happy?

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

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...

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...

Is Data the new Defining Input in the next Mortgage Age?

In Carlota Perez's book - Technological Revolutions and Financial Capital she talks about key inputs that are the fuel of change. These...

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,...

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...

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