Chart of the Day: US Almost 50% of the World

Today’s Chart of the Day from Torsten Slok with Apollo shows that the United States now makes up almost 50% of the world’s total stock market value.

More

Why Do I Need a Budget?

At its core, a budget is a plan that tracks your income and expenses. It's a tool to ensure you can cover your monthly expenses and save for future goals. If you have a regular income and want to manage your finances better, creating a budget is a smart choice.

More

Chart of the Day: Good News for Last 200 Years

Today's Chart of the Day, from Our World in Data, shows how the world has improved per 100 people since 1820.

More

Chart of the Day: Mind the 15% Gap

Today’s Chart of the Day is from a Morningstar article named, “Why Investors Missed Out on 15% of Total Funds Returns.” They call it the “gap,” which is comprised of losses experienced by typical investors from excess trading, buying high-flying funds and conversely, selling low-flying ones.

More

How to Strengthen Your Commercial Real Estate Loan Application

Commercial real estate (CRE) loans are critical for business owners and investors looking to acquire, develop, or renovate properties. Whether you're expanding your portfolio or investing in your first property, understanding what lenders consider before underwriting a loan can make a significant difference in your loan application’s success. Preparation can be the key to a smoother process, better terms, and increased approval chances. Let’s break down the primary factors that CRE lenders evaluate and how you can position yourself for success.

More

Chart of the Day: 1988 Home Prices to Now

Today’s Chart of the Day is data from Case-Shiller Adjusted Home Price, charted by Mish.

More

Chart of the Day: Value of $100

Today’s Chart of the Day from GoBankingRates shows the cost-of-living differences between the states. Oddly in Florida, $100 is worth $100.

More

Must-Ask Questions Before Selecting Your Commercial Real Estate Loan Partner

The choice of commercial real estate (CRE) lender can significantly influence the outcome of your investment. Partnering with the right CRE loan provider ensures that you have the support, financial structure, and flexibility needed to navigate the complexities of the commercial property market. Choosing a CRE lender isn’t just about securing funds; it’s about establishing a relationship that will support your real estate endeavors now and in the future. This guide outlines key questions you should ask when selecting your CRE loan partner to help you make an informed decision.

More

Chart of the Day: Land Owned By Government

Today’s Chart of the Day deviates from our usual financial topics and comes from the Bureau of Land Management.

More

DON’T CLICK THE LINK! How to Prevent Falling Victim to Phone Scammers

According to Consumer Affairs, in 2023, there were over 310 million smartphone users in the US. Text message open rates are estimated to be as high as 98% compared to only a 20% open rate for emails, so it’s no wonder cyber criminals are focusing on texts! If you own a smart phone, you’ve likely been the recipient of a smishing text. Would you be able to tell?

More

Chart of the Day: Growth of $100 Since 1970

More

Chart of the Day: More Mortgage Free

Today’s Chart of the Day from ResiClub shows the percentage of homes that are mortgage-free.

More

Ten Tips for Refinancing Your Mortgage

Refinancing a mortgage can be a smart financial move when done right. It offers the potential for lower interest rates, better loan terms, and even access to home equity. However, it’s essential to approach it with careful planning and awareness of the factors that can impact your long-term financial health. Here are 10 tips to consider before you refinance your mortgage:

More

Chart of the Day: Manufacturing Decline

Today’s Chart of the Day comes from GlobalData and shows the percentage of manufacturing jobs in the US, from 1948 to 2023.

More

Chart of the Day: More 401(k)'s Than Ever

Today’s Chart of the Day comes from Torsten Slok who is the Chief Economist with Apollo. It shows the increase of defined contributions (401K’s and the like) and decline in defined benefit (aka pensions) since 1984.

More