Stocks / Real Estate Values Index
This is a fascinating way to think about valuation. If the entire stock market was worth $100,000 and you were the only investor - and...
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Appreciation - Slowing but Positive
Appreciation is slowing exactly as forecasted, but it's still a positive expectation. So the rapid increase wasn't sustainable, but that...
- 1 min
Periodic Table of Investment Types
There are as many ways to save as there are ideas about money. Keep it simple - find something you know about and find interesting and...
- 1 min
What's the real problem?
"Some 36% of households taking in nearly four times the median US salary devote nearly all of their income to household expenses". ...
- 1 min
What will higher interest rates produce?
Inflation caused by an easy money policy leads to a cure of inflation with a tighter monetary policy. What’s the expectation? Higher...
- 1 min
Real Wealth -vs- Inflation
Real wealth is the difference between the net growth of your assets and the loss of purchasing power from inflation. If you had $10 in...
- 1 min
The Real Estate Dilemma
Here's a dilemma: Consumers feel now is the worst time to buy real estate. Consumers now feel real estate is the best investment you can...
- 1 min
Fed Rates -vs- Fed Chair Height
Don't worry, as soon as we get a shorter Fed Chair rates should start coming back down again... and the market will grow taller!
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How Much Land Does a Man Need?
'How Much Land Does a Man Need?' One of the most profound short stories I've ever read. We use this as part of our What is Enough?...
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Recession
I think we are just starting into a recession - one that could be more lengthy and difficult. A recipe of two parts low rates (now...
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The Housing Price Gap
How does this gap get filled? When housing prices rise as quickly as they have over the last 15 years a huge part of the market gets...
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Ask yourself where we are in the cycle on housing prices?
This is a solid visual on the cycles of markets...
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Housing Appreciation and Income
Something to ponder - the highest we've ever been in this 'ratio' was 2006 when the average appreciation was about 55% of the median income.
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Remedying a Bear Market
Looking at prior bear markets, the sickness that drove the market lower was economic and the medicine was lower interest rates. What...
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Middle Class Aggregate Income
One of the biggest problems facing our society - all great societies end when the 'haves' and 'have nots' get too far apart. This has...
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Assets and Liabilities
Update of the Borrow Smart University quarterly graphic on Assets/Liabilities - this shows you a rough estimate of the balances of all...
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Impact of Interest Rates on Future Home Values
Here's a simple way to see the impact of interest rates on future home values. In January of this year, $1,000 per month would buy you...
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Stocks vs. Real Estate
Inflation-adjusted returns on Private Real Estate (homes) versus S&P 500 since around 1964. In another post we were talking about...
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Liability Asset Gap and REITs
We teach about LAG - Liability Asset Gap. One idea we share is putting less investment inside your house (private real estate) and...
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Households Debt and Cash
This is encouraging and a little surprising. The first time since 1980's that the US population has more cash than debt. There were...
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Everything Compounds...
Let's take a look at how compounding works based on the interest rate. Compounding works for or against you...
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Cash and Liability Mastery
Made it easier to remember: http://calmeducation.com/ Come take our 9 part class on Financial Literacy.
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More Cash and Liability Mastery
Share this with your employer, and ask them to reach out to us for an event in your office.
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House Values and Monthly PITI Payments
Since 1990, house values have gone up a great deal. What have monthly PITI payments done during that same time period? From 1990 the...
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