African American? Pick Me! I Promise I’ll Respond.

OK, everyone knows that there’s still discrimination. In fact, there probably always will be. But in a slightly weird piece of data, from a slightly weird source (phys.org), it would seem that the big discrimination still happening in the mortgage industry comes...

Thinking on Stephen Karam’s New Play: The Humans

This is slightly off-topic for this blog, but I think it has some relevance, and I think that for those of us who think long-term, it might be very important to the industry. The New Yorker has a piece on the play, which focuses on the challenges of longer life,...

Time to Invest? Look at a HELOC.

I’m not an investment advisor — so don’t take this as advice; this is just me thinking out loud. Berkshire-Hathaway’s shareholder letter came out last week. As always, it’s well worth the read, if for no other reason than to be...

5% Housing Price Increase This Year

Crystal balls are great. Averaging everyone’s crystal ball together makes them even better. That’s kind of the way I look at polls about the future. Kind of a meta crystal ball. And to make things even more meta, Reuters has gone and looked at more...

Where’s The Debt?

MarketWatch reporter Andrea Riquier wrote a great article last week, covering the New York Fed’s quarterly report. She makes a lot of great points, and the article is well worth the read. But my question is, where’s the debt? Overall debt is down from...

More Than 50% of Adults Have Subscription VOD

Four out of five U.S. homes have a DVR, subscribe to Netflix, or use video-on-demand (VOD) service from their TV provider. That’s up from three out of four, last year. And, more significantly, now more than half of adults (57%) get a subscription VOD service...