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Random Thoughts
A day and a half since I left Unchained Orlando, but my head is still spinning.  Maybe it was Orlando - the home of Disneyworld - that added to the surreal nature of the experience.  If you haven’t been there, Orlando is beautiful in a Disney kind of way: everything is clean and bright [...]

A week or so ago I was out for an early morning run through Balboa Park.  This is one of San Diego’s gems and part of what makes living here worth the cost.  It was daybreak and quiet; mostly the sound of my own footsteps echoing across the Spanish style buildings that house the many [...]

With a little over a week to go in this election, we can finally all come together in agreement on one issue.  Whether you are voting for McCain: the logical vote, or voting for Obama: the emotional vote, or voting third party: the non-viable vote (unfortunately) - one thing has become clear.  The mainstream press [...]

Michael Cook wrote a thought provoking post earlier entitled What Happens to the Early Worm.  So thought provoking that I found my comments drifting to post length.  So how about a little point/counter-point?
Michael, a very detailed and thoughtful post. I would not disagree with you that cautiousness is a safe strategy (although not always a [...]

There are a great many rewards to being a commission-based, self-employed entrepreneur.  Freedom has to be number one.  Even in the limited form it takes within our system of centralized decision making, pointless licensing laws and oppressive, regressive taxation, there is still freedom.  Another, decidedly less esoteric benefit, is the inherent unlimited income opportunity.  To [...]

The stock market came back with a vengeance yesterday.  On Friday’s episode of Mortgage Radio we noted that the market was vastly oversold from a fundamental perspective and suggested a rebound after the weekend.  This was prescient enough that the Mortgage Cicerone made note of it, which is high regard indeed.  So why am I [...]

If you are a mortgage holder who is either struggling with crushing payments, bitter for having overpaid for your home during the bubble, or who has extravagantly refinanced when prices were rising, the government’s landmark $700 billion bailout package has an important message for you: stop making your mortgage payments.
So says Peter Schiff, president of [...]

The “new, post-bail-out era of real estate” is how Cheryl Johnson describes things going forward amidst the “collapsing global financial markets” in Back At The Ranch. In a comment to Friday’s edition of the Radio Mortgage program Brian Brady and I co-host, the optimistic view I have for real estate practitioners was gently questioned.  I believe [...]

Last week, while watching the House contort itself in a self-serving round of navel-gazing over the bailout package, I pondered two connotations of their disconnect with the populace.  Taken together they are a question really, that looks at the motivation behind politicians’ decisions; the metaphysical understanding of a Representative if you will.  This question in [...]

We may or may not be in favor of the bailout.  We may or may not fully understand what the bailout will or won’t do.  We may or may not be any smarter than the politicians who (in my humble opinion) don’t have a clue what the bailout will or will not do.  But I [...]