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Education & Training - Independent Leadership & Financial Fitness Consultant
“Whoever does not wish to render history incomprehensible by departmentalizing it – political, economic, social – would perhaps take the view that it is in essence a battle of dominant wills, fighting in every way they can for the material which is common to everything they construct: the human labor force.” – Bertrand De Jouvenel I used to be part of the problem, now I'm hoping to be part of the solution. For 20 years I've helped families in Utah acquire loans. I refinanced hundreds if not a thousand mortgages, I've also helped hundreds of home buyers throughout Utah and other locations. Though I didn't realize at the time I was part of a economic system that is strangling and subjecting millions to economic slavery. I'm not suggesting that mortgage lending is "evil" or unnecessary, however, even after the Mortgage Meltdown in 2007, we still give money to millions who are not ready, nor have the "thinking" or "habits" they need to pay down their mortgage. I always knew that the posted rates we gave our borrowers were based on our customers paying their entire loan off over 15 or 30 years. What the borrowers never realized is what the "REAL" interest rate they were being charged by their banks. This blog will hopefully help those ethical mortgage and real estate agents who understand the great responsibility they have in helping their customers acquire what we call the "American Dream". I hope this blog also gives the prospective homeowner prepare themselves financially for making such an important purchase decision. I also want to caution those homeowners considering their mortgage as a giant piggy bank to draw against for expenses that will never provide any type of long lasting return. Thanks for reading my blog.

ARCHIVED BLOG POSTS

2008 

To beign with, I'm a red as they come Republican.  I've voted for every Republican cannidate since I could vote in 1988.  I understand why Republicans feel government messes up everything it touches, so the following possible solution to our current energy crisis maybe considered liberal to some ...
06/19/2008
Reality is that when the worlds #1 consumer spending economy takes it in the chin, the rest of the world is soon to follow.  As the United States has delt with one of the most severe deflationary real estate spirals in recent history, Europe and Asia have not witnessed slow downs as of yet in the...
06/18/2008
It interesting watching the media mourn one of their own.  Tim Russert has become an icon in political coverage and journalism.  He was well respected among his peers and those whom followed his career.  Personally I enjoyed hearing Russerts analysis during election events or watching Meet The Pr...
06/17/2008
If you've been watching O'Reilly (June 12) this eveningm then hopefully you watched his interview of former speaker of the house, Newt Gingrich.  Let me say this for Newt, if he's not a serious consideration for president in 2012, then I'm moving to another country.  The guy just makes allot of s...
06/12/2008
I used to love politics.  Sure it can be rough, and I haven't met many politicians that can keep a promise longer then they can tie their shoes.  But atleast you felt that you always had a choice.  This election is making me sick to my stomach. In one corner you have a die in the wool Democrat, w...
06/11/2008
This week is just one example of how ridiculous the global markets are these days.  First comes a report that the stimulus package is working for retail sales....Hurrah!!!  Then today we hear about poor labor numbers....DEPRESSION!!!  Oh come on already!!!  I loved this article off of bloomberg t...
06/06/2008
I write about politics, real estate, mortgages, financial planning, the state of the economy.  I've also typed out motivational posts, and sometimes just posts that vent my current state of mind.  So why should I change with my 200th post.  So here it goes.... What is the difference between optim...
06/05/2008
I'm not sure there are many that would disagree that our economic system is in serious need of an over haul. But serious over hauls can be exteremly painful.  The following article I stumbled across while searching for the estimated value of the US real estate market.  But I think most of you wil...
06/05/2008
Hydrogen!  You know, that perodic table substance that is easy to remember.  It's also the first component in Water, and yes it's cheap, abundant and actually researchers have been tinkering with it for years. Why isn't it being used in mass now?  That's a really good question.  I guess the simpl...
06/05/2008
Listening to Rush Limbaugh this morning, one caller really had my wheels turning. Basically it was in regards to who are the rising talent in the GOP.  Who would lead the party after the disaster that is looming this election.  Here are some interesting Republican possiblities and it almost makes...
06/04/2008
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