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Category Archives: Time Value of Money
I just posted an article “Decreasing Spending versus Increasing Income“, which talks about why increasing your passive income is better than decreasing your spending.
Many so-called “personal finance experts” are too focused on decreasing expenses. In general, decreasing “bad spending” is good. I just think that you should focus more on increasing your income by acquiring […]
Risk Spread Premium
I just read a short article from a real estate guru. He was talking about the “Risk Spread Premium” on real estate Capitalization (CAP) Rates compared to the 10-year US Treasury bond.
His basic assertion is to compare the difference (spread) between the average CAP rate of income properties to the yield on the […]
I’ve added a short video tutorial about Income Analysis. I sometimes get upset when real estate Guru make mistakes. I take exception to Guru teaching erroneous methods of analysis.
The Guru was basically saying to analyze the income and expense as advertised and then decide whether the property is being offered at a good asking price. […]
The Power Debt Plan spreadsheet has added video tutorials 7 & 8 that demonstrates an advanced concept of using leverage to pay down your debt much faster. Check out the sales page to see the YouTube versions of the videos.
I just released my latest information product! I am sure you’ve heard of “Debt Snowball” and “Mortgage Accelerators”. If you are struggling with bad debt and don’t know how to dig yourself out of it, then this product is for you.
It is a Microsoft Excel 2007 spreadsheet. It has powerful macro software that calculates the […]
Many folks, even seasoned finance experts, misunderstand the meaning of “front loaded” interest. They are confused by charts and graphs that show over time the interest portion of an amortizing mortgage loan payment. The chart shows the interest portion starting out high and then curving downward eventually to zero at the end of the amortization […]