Contribute
Please help support my efforts to spread financial literacy. Any contribution is greatly appreciated. I'm sorry that it's not tax deductible. Thank you for your support!
Category Archives: General
What is inflation?
Inflation means the increase in the supply of fiat currency caused by the central bank printing (counterfeiting) currency to buy bonds, thus reducing the yield (effective interest rate) and increasing the bond price. Reducing interest rates reduces the Capitalization Rates … Continue reading
Posted in General
Comments Off on What is inflation?
CAP Rate is determined by the cost and structure of financing
I wrote a short article about this over at LinkedIn. Click here.
Posted in General, Real Estate Investing, Time Value of Money
Comments Off on CAP Rate is determined by the cost and structure of financing
Fractional Reserve System versus Central Banking System
There is a world of difference between the “fractional reserve system” (FRS) and the “central banking system” (CBS). FRS merely spreads out the money deposits in the form of loans, and the total sum of deposits plus debt never changes. … Continue reading
Posted in General
Tagged bank, banking, bonds, cash, central, coins, competition, counterfeit, credit, currency, debt, default, deposit, distilled, economy, fiat, fractional, gold, lend, liquidity, loans, money, price, redeem, redemption, reserve, silver, stocks, system, withdraw, work
Comments Off on Fractional Reserve System versus Central Banking System
Tips Are Cheerfully Accepted!
Well, I’ve finally come to it. My costs are increasing for maintaining this website, adding features to my products, writing free articles and posting free YouTube videos. The time has come to add a PayPal Donate button. I hoped it wouldn’t … Continue reading
Posted in General, Real Estate Investing, Time Value of Money, Wealth Creation
Tagged cash, contribute, course, credit, currency, debit, debt, donate, equity, flow, guarantee, guru, lender, money, profit, real estate
Comments Off on Tips Are Cheerfully Accepted!
Preparing for another economic crisis
Housing prices will collapse with a nominal increase in interest rates. Get your financial calculator: N=360 (30 years), Rate=4% per year, PV=100,000, PMT=477.52, FV=0. Those are the numbers for a $100,000 mortgage debt at 4% per year, fully amortizing over … Continue reading
Posted in General, Real Estate Investing, Wealth Creation
Tagged cash flow, credit, crisis, debt, depression, expense, income, leverage, recession
Comments Off on Preparing for another economic crisis
Thank You for your well-wishes!
In early January 2013, I became very ill with Labyrinth-itus, which is a viral infection of the inner ear that affects balance. I was very disoriented and nauseous. A family member is a doctor in another state and she said … Continue reading
Posted in General
Comments Off on Thank You for your well-wishes!
Are You Ethical?
Most folks like to think that they are acting ethically and with integrity. The real test of whether you are ethically conducting your affairs is by looking from the other person’s point of view, as if what you are doing … Continue reading
Posted in General, Property Analysis Worksheet Short Form, Real Estate Investing, Time Value of Money, Wealth Creation
Tagged advocate, agreement, business, community, contract, duty, ethics, integrity, legal, negotiate, negotiating, perform, personal, prosperity, quality, responsibility
Comments Off on Are You Ethical?
Website restored (again)
I must be cursed. I tried a few real estate plug-ins from WordPress.org that totally killed my website. The culprits are: Firestorm Real Estate Plugin Great Real Estate Plugin Simple Real Estate Pack When I say “killed”, I mean “KILLED”. … Continue reading
Posted in General
Comments Off on Website restored (again)
Website Back In Business!
I finally found a commercial shopping cart that supports the Amazon S3 remote hosting of very large download files, and it has a free WordPress plug-in. The shopping cart costs $18/month to support remote product files. Go to my Products … Continue reading
Posted in General
Comments Off on Website Back In Business!
Website wiped
My website was wiped clean after a commercial WordPress back-up/restore tool failed to restore my website. I was hunting down a bug and I needed to restore my website. I had already made a full back-up about an hour earlier. … Continue reading
Posted in General
Comments Off on Website wiped