Recently, I saw this gentleman at the gym whose upper body was almost entirely covered in tattoos. I struck up a conversation with him and learned that it took well over 100 hours, and it cost $85/hour. As we continued to chat, I was doing the math in my head: $85 X 100 hours = […]

Practically every time you turn on the news and hear the talking head discuss the economy, you usually get about six words into their spiel and your brain explodes – because they’re always talking about “mitigating factors” and “behavioral predictors”. Why do they employ such gobbledygook (that’s a word) when they talk about the economy? […]

Later this month, Fannie Mae will start requiring Trended Credit Data (TCD) as reported through Equifax and Transunion. At present, this will not affect FHA or VA loans – but that could change. So, what is Trended Credit Data, and how will it affect you? While Fannie Mae, Equifax, and Transunion all use English words […]

There’s absolutely nothing earth-shattering about this week’s edition of our lovely newsletter. That doesn’t mean you should stop right here and not read it; I’m just helping you set a suitable level of expectations. Not everything I write can be a literary masterpiece on par with To Kill a Mockingbird or The Lord of the […]

A friend of mine, when he was a young man, had the chance to go on a tour of a Catholic seminary, which is a school where men train and prepare to become priests for the church. A young priest in training was asked to be my friend’s tour guide, and the two immediately fell […]