Archives for January 2022

Rising Mortgage Rates Will delate the Market, if rates are allowed to follow their natural trajectory (Up).   This is really a fact that is impossible to dispute if you understand macroeconomics, credit, and markets.   Let's begin by looking at how mortgage rates come to be at a given moment in time:   How are interest rates set and why are they going up?  Mortgage Rates Continue Reading

We may have reached "Peak FOMO" this month in Denver Real Estate.  If you haven't heard the term before, FOMO is the Fear of Missing Out. FOMO is a very real thing, it's a byproduct of the human psyche and the human condition to want to fit in, to want to feel successful, to want to have as much or more than the next person.  What I did not realize is that this term is a relatively Continue Reading

You may be familiar with the term Ponzi scheme, which admittedly I wasn't familiar with until the Great Financial Crisis in 2008/2009.  A high profile case of Bernie Madoff made headlines for the level of scam and fraud that bilked investors out of millions or billions of dollars.  Put simply, a Ponzi scheme is an investment scheme that pays "profits" to "investors" out of funds Continue Reading