In my previous post, I wrote concerning greed. If one were to look at that post only, one may think that the government is greedy because many believe the 2008 market crash was caused by a combination of the government’s mis-handling of regulations, the insurance companies, and lending institutions racing to the bottom. Does this…

Several chapters in various books concerning California Real Estate Finance list reasons for past lending failures. When you take the time to read these reasons, they tend to put the onus on the purchaser. I am going to take a different approach. My opinion is that greed was a major cause of these failures. All…

Taxes should be part of your financial plan; they are a fact of life. You pay taxes on each paycheck and when you purchase an item at a store. It is not a healthy plan to only figure taxes immediately before April 15. Still, many people do just that. Your tax planning should be considered throughout…

There are seven steps to the process of financial planning, though many on this subject say there are six. Credited old telephone free photo by asb For examples of considering the alternative, I use the historical account of Alexander Gram Bell. There are tales Mr. Bell was not trying to invent the Telephone, but I…

Basic Financial Planning Basics Goal Achievement Monthly Budget I have been writing concerning the need to purchase real estate and, in the future, I am planning to write about construction. After discussing my blog with a few people, I discovered that it may be wise to write concerning personal finances. Every person has some form…

External influences affect the money flowing through our system and therefore we need to be vigilant and adjust our plans to reach financial stability.  Not only do we need to watch what we are doing with our finances, we need to watch what everyone is doing with their finances as well. The ways other use…

There have been many articles written on this subject. These articles argue both sides of this question. In an article Written by Dan Green titled Is Now a Good Time to Buy a House?[September 2023 Data] The opening two paragraphs are: “If you’re a first-time home buyer, September 2023 is a good time to buy…

I am still determining if this approach to Real Estate will work for you. It only works with some. However, who do you know is open-minded and needs Real Estate? For years, people have instructed their friends and loved ones to purchase the best property they can afford or to buy the worst house in…

Real Estate Markets and Participants Real Estate values come from interaction of three sectors of our economy: The real world is in completion among its users for physical locations and space. The players in this realm are the potential occupants, both the owner occupant and their renters. The demand for Real Estate come from the…

Because of its magnitude, Real Estate is essential in shaping the economic landscape of individuals, families, and firms throughout our nation. Real Estate is the foundation on which generational wealth is built. Real Estate greatly influences a family’s ability to finance its members’ ability to further their education, needed medical care, and many other substantial…