“I believe that through knowledge and discipline, financial peace is possible for all of us.”

Jan has lived in her home with her husband for forty years. Sadly, he passed away recently and she was now living in the home alone. She decided it was time to downsize and move into an active senior living community. Her home was in a wonderful community. She went to...

This week had a lot of data points but they were fairly benign compared to last week. Still the 30-year-fixed came and the FHA 30-year-fixed came down a little, but the rest of the rates stayed the same.  On Tuesday the February CPI (consumer price index), one of the...

Buy and Hold forever? Or not… This week I want to share a story from my portfolio.  I bought a duplex in 2015 for $120,000 in the Miami, Ft. Lauderdale, in an area called Hollywood.  The property needed fixing and rents were low. Yes! As some of you know I am a value...

Thursday, March 14th was Pi Day (3.14), which is a celebration of mathematics around the world. For those of us who love numbers and cash flow, I thought it would be appropriate to share some quotes from Albert Einstein.  His insights were prescient, as he said these...

Imagine your lease is up. You want to buy units in a high-priced area, live in one of the units for free, but you only have $50,000 to invest.  What do you do?  This was the call I got on a Friday at 4pm.  A Realtor I have been working with for over 10 years, had a...

What do you do if suddenly, the perfect house comes up for sale and you weren’t even thinking of buying a new home? You tried but had given up.  Problem and Road Blocks:  Your current home is “lived in” and you haven’t talked to your Realtor® about...

Five years ago, a newly married couple came in to get a loan for their first home. I was thrilled because I had been working with the bride’s mother, and aunt for nearly 20 years.  Today, this same couple has two kids and careers that are humming along. To add to...

What do you do if you have a borrower who has a 50% down payment, no credit, not much income, but can afford the payments on a home because they have a lot of money in the bank and family to help?   I got a call from a realtor friend who was frustrated and sad for her...

This week’s success was not about a loan, but saving $1000s in legal fees by correcting your paperwork.  I receive calls every once in a while from people who read one of my blogs, after they found me in a google search. This week I got a call from a gentleman who...