Why don't we all drink room temperature coffee? It's really easy, just pour water into a cup, and add your coffee and stir. Easy,...

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...

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...

This has been an amazing journey, being in a position to learn the lending industry, the financial advice industry and the real estate...

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

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

Looking to find the perfect AI tool for the job? https://library.phygital.plus/?ref=producthunt allows you to search over 1,000 AI...

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

Some thoughts on the banking crisis and recent issue with Silicon Valley Bank. There are continued cracks in the confidence game that is...

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...

Yes, it's a typo, but with all the concern about AI eating our lunch (it can't by the way as far as I can tell)... McKinsey maps out key...

Wow, ever just hear a concept and have it stop you in your tracks... Wait for it! Pun intended here, but It was something (as legend has...

Since I get questions about what I use, etc. I'm going to start a directory here of my favorite tools by category. I'll update these...

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

I was recently talking to an acquaintance that had been wanting to buy a house... something became available for them in their market,...

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...

https://fred.stlouisfed.org/graph/?g=10alK Looking at the FRED data, there are only two times inflation rates were higher than the 30...

After putting together my thoughts about the last published version of the Ric Edelman - 11 Reasons to Carry a Big Long Mortgage, I've...

As part of the Certified Liability Advisor™ designation process, we require that our students to interview at least 3 financial...

I was asked by one of our students to do a quick overview on this AI presentation that they might be able to share with industry...

Talking about talking about what we do to differentiate yourself from other lenders. Full version: Short recap version:

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...

This article has been around since I was originating loans and it was recently updated on Ric's site. I thought I'd take each one of his...