Many will tell you that one's home is not an asset... If that's true, then how did I spend the past 7 years leveraging my home's equity to acquire 3 additional income properties, worth a combined $2.6M, that cash-flow more than $6K/mo...?

The amount of time it takes to walk to and from the lobby, including elevator wait times, at a hotel... is probably 10-15 minutes per night. The amount of time if takes to strip one's bed at an AirBnB, and start a load in the dishwasher... is probably 10-15 minutes. Time is money, folks.

So my annual dividend from Northwestern Mutual just hit. Here are the facts: - I contributed $0.00, plan is self-sustaining - $19,472.64 in total dividend and interest received - $5,577 in fees and insurance premiums - $13,895.64 in cash-value growth* - 5.268% return* *AFTER all fees and insurance premiums And before the haters flood in (they always do), please remember that In addition to covering my life insurance needs, I look at this account as my emergency fund. And in that, I am very pleased with a near-gaurenteed 5.268% tax-free return, as it beats any checking, savings, or money market account, and I can access my cash-value in 24-48 hours. In fact, that 5.268% return beats out what I could reasonably hope to make by investing in real estate these days. And if anyone cares. The cash-value in this policy accounts for about 3.3% of my entire net worth.

If your AirBnB host offered you a $40 refund, if you stripped the beds, started a load of towels, and started a load in the dishwasher... would you take it, or pass?

Listening to @billmaher kiss Trump's ass, while Trump proceeds to call Bill Maher a complete and total loser, reminds me of this brilliant SNL skit from the 80's. youtu.be/O0w2R2JvZ7U?si=F2Pl…

When you arrive at your AirBnB, only to find that the previous guest didn't strip the beds, or dispose of the dead body.

Bizarre thing happened today... I received an envelope in the mail that was addressed to "JEFF BEZOS", but it had my home's mailing address on it. I opened the envelope, and it was a legit credit card, with Jeff Bezos name on it. I do use that credit card provider, but I didn't apply for a new card with them, and nothing fishy is going on with my credit or my accounts. I called the credit card provider, explained what happened, and they are going to look into it. I'm not super concerned, but it is my mailing address, so that is weird. Has anyone seen this before, or does anyone know what the scam is? Very odd...

The problem with this fairy tale, is thinking the economy can crash that hard, and it will only hurt those who currently own homes... Please realize that all these first-time homebuyers, waiting on the sidelines, will also get crushed? Their investments will be kneecapped, they will lose their jobs, and be forced to tap into whatever down-payment funds they had saved up.

A crushed tomato is just a regular tomato that didn't make the the cheerleading squad.

One of the best things about attending a high school varsity football game, is that you can get nachos, a pretzel, a hot dog, and 3 beverages for less than $20.

As a professional AirBnB host, with over 500 5-star reviews... my take is that its all in how you phrase it. We don't demand that our guests do anything. But we do mention in our departure literature, that "if you have time before your departure, it would help our team if you [insert reasonable task]..." This includes: - loading and starting the dishwasher - starting a load of towels - strip any used beds - making sure windows are closed - place the lid back on the hot tub - turn off the fireplace They don't have to do any of these things, and if a guest has to ship out at 4:15am for a early flight, I totally get if they are rushed out the door and leave things a bit of a mess. But the vast majority of people dont like to leave messes, they like to lightly tidy up a space before they depart. I truly think the problem was that too many hosts were assigning mandatory unreasonable chores, and people wanted to push back.

The home I mentioned below, received a full price offer after 1 week on the market. Just closed for $1,500,000. Granted they listed it for $133,000 less than they purchased it for, but even so, I was worried they may have to lower the price. I'm happy to see they found a buyer so quickly.

Imagine an elected official increasing their net worth by $2,200,000,000, and shrugging it off based on the idea that the elected official was already super-wealthy... 🤡

Earning $50 (10%) on $500 isn't addictive. Earning $5,000 (10%) on $50,000 is addictive. As parents, if you can seed your child's investment account through the boring, non-addictive phase... and hand over the reigns to the account once its growing by $4-6K per year, it will be much easier to get them hooked on investing for the rest of their life.

Pro Tip: keep a Bic razor in your car, because for some reason, you're much more likely to identify a rogue whisker in you rear-view mirror, than your bathroom mirror.

If you're gonna roll the dice on an adjustable rate mortgage, you better do the following: 1. Plan to aggressively pay down the principal in the first 5-7 years. This will guard you against a sizable increase in payment, if the interest rate adjusts up significantly. 2. build up a sizable cash reserve, so that you can either buy down the principal when the loan reprices, or have the ability to absorb the new higher monthly payment amount for the forseeable future. I fear that a majority of the people who went with an ARM, as part of their plan to "date the rate" over the past 4-5 years... did neither of the two things listed above.

I own a SFH rental in a Denver suburb, that rents for $3,240/mo. I estimate the current market value of the home is about $500,000. If I sold the home at this price, to a buyer with 20% down, and a 7.5% interest rate, their 30yr P+I payment would be $2,797/mo. Add in taxes and insurance, and their total payment would be $3,155, or $85 less than what they are paying in rent. Interest rates are always a variable, but I do feel like this is a good sign that the Denver-metro mousing market is starting to level off. Hopefully this is, or is close to the bottom.

Anyone who bought in the last 24-36 months, who is trying to sell in 2026... is gonna get absolutely clobbered.

Very well appointed home in my neighborhood just listed for sale this week, with an asking price that is $140,000 less than what they bought the home for just over a year ago... Ouch! redfin.com/CO/Denver/5880-Be…