11 Reasons Articles Consolidated - Ebook
After putting together my thoughts about the last published version of the Ric Edelman - 11 Reasons to Carry a Big Long Mortgage, I've...
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- 1 min
CLA Interview Format - Mike Slaughter - MSFS, NSSA, AEP, CFP®, CRPC®, CLU®
As part of the Certified Liability Advisorâ„¢ designation process, we require that our students to interview at least 3 financial...
- 1 min
Questions for Financial Advisors
We're working on a new podcast based on a simple format - we'll interview financial advisors to better understand their thoughts about...
- 2 min
How Can You Add More Value to Advisors
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...
- 2 min
Personal Growth is a Stair Climb
When you do anything new, learn any new skill, you do it with an understanding that it would be easier to do nothing. Or is that true? ...
- 2 min
What do you see?
I've talked about the RAS in more detail, but we all see things very differently based on our experiences over time. Those experiences...
- 2 min
A Beginner's Mind - Working with Advisors
In the beginner's mind, there are many possibilities, but in the expert's mind, there are few. Suzuki Beginners mind is like beginners...
- 1 min
Cycles and Working with Advisors
As house prices go up... Down payments go up. When house prices go up, more Realtors enter the market... this will likely shift if house...
- 4 min
Information Arbitrage - the Heart of Most Decisions
I haven't posted much here about why I write, and I haven't promoted the CLAâ„¢ course in the Blog, but I wanted to share a few thoughts...
- 2 min
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...
- 1 min
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
Welcome to the Borrow Smart Blog
My Objectives: /Post regularly and concisely... and /Simplify real estate, lending and financial concepts... to /Promote greater clarity...
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A Financial Advisor Walked Into a Bar
when stocks go down, people get scared about their financial future
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More Money in Real Estate than Equities
Why manage liabilities? Because there is more money there to be managed in Real Estate than there are Equities. The majority of real...
- 1 min
Cycles
Had a nice conversation with Dave Savage for his project to support loan officers in this unique environment... I wanted to share some...
- 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
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
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?...
- 1 min
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...
- 1 min
Need and Opportunity
A Certified Liability Advisor is going to look at all your liabilities as part of a broad solution. There are two reasons to borrow: ...
- 1 min
Financial Literacy Education in Schools
I was surprised this year that my daughter had to take Personal Finance as a 10th grader. It was required because of new state...
- 1 min
Recession and Borrowing Growth
Another simpler look - we are continuing to grow our borrowing since the last financial recession. Most borrowing is related to the...
- 1 min
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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