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Tag Archives: expense
Bitcoin (BTC) has been hacked several times, mostly for “proof of concept” and not for nefarious intent. The algorithms for creating new BTC are now so difficult to compute that most BTC farmers are out of that business. The processing power to break the global BTC ciphering ledger is well within the reach of organized […]
Booms and busts always happen. You can’t defy the Law of Gravity. What goes up must come down. Today, the real estate market is a Sellers’ Market in most areas. Most average folks view real estate investing as speculating in price appreciation. The real objective of real estate investing is passive positive cash flow.
The next […]
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 30 years. Change the interest to Rate=6% and recalculate PV=79,628.87. That’s 20.4% decline for the […]
Low interest rates are very enticing. I want to suggest caution, because an increase in interest rates will dramatically affect the value of real property. Real estate is a “borrowed money” business. The cost and structure of financing determines the income valuation of the property. Similar to bonds, the value varies inversely to the yield […]
I just updated my Property Analysis Worksheet Short Form product. I added more detail lines to the RepairEstimates worksheet. If you purchased this product within the last 12 months, then you will receive an email with your free download link for the update.
If you want to learn more about analyzing properties for quick-turning (fix-and-sell or […]
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 […]