Term Premium and Tightening Market Conditions
Visit: https://www.facebook.com/NIFECLA for more charts and updates. The Fed may slow or stop increasing rates as term premium in bonds...
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- 2 min
Is Buying a Smaller House a Good Idea?
What if you are forced to buy a smaller house because of higher rates... Key consideration: Appreciation (offsets cost of ownership...
- 2 min
Bonds, Bills, Notes - What's The Difference?
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...
- 2 min
Is Interest the Price of Time?
Just a thought - but in our course we say that if: 'time is money' then 'time management is money management'. Me I was reading...
- 1 min
Chart Storm Hero - July 2023 - Be a Mortgage Advisor
My favorite charts from this past month and the stories they tell us about what's going on in financial (real estate, lending and...
- 2 min
Housing Values Keep Going Up
Black Knight August 2023 Mortgage Monitor Report Highlights - Home prices are at record highs, both nationally and locally. - The lack...
- 2 min
Boomers Are Winning a Battle for Housing
Short video pointing out some key points around leverage. If you are in the housing game you can trade up or down, but with leverage...
- 3 min
More Credit Card Debt Than Savings?
The Rising Trend of Credit Card Debt Among US Adults A recent study conducted by Bankrate has highlighted an alarming trend in the...
- 1 min
July 2023 - What's Happening in Real Estate and Lending
What's happening in the real estate, lending and wealth creation landscape. Each month I'll highlight what I find interesting, and why in...
- 2 min
Amortization Table
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...
- 2 min
Understanding Nominal Versus Real Property Value Growth
Nominal growth and real growth are two concepts used to measure the increase in real estate values over time. They represent different...
- 1 min
Homebuilders - A Thought Experiment (ITB)
I wonder if home builders are a good investment here, or did they front run all this building that they are doing and the recession takes...
- 3 min
Yield Curves that Invert in the Night
What's an inverted yield curve and why should you care? Imagine you have a lemonade stand, and you sell lemonade to your friends....
- 1 min
House Value w/out the Lag
House values are dynamic and all real estate is local... but we often see values measured at a large aperture, like 'national' house...
- 1 min
Cash and Liability Management
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...
- 2 min
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...
- 2 min
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...
- 1 min
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...
- 1 min
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...
- 1 min
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...
- 3 min
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...
- 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...
- 2 min
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...
- 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,...
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