Interest Rates, Inventory & Random Thoughts

The Federal Reserve is behind the curve and off the rails. I don’t believe they can control inflation at this point. It’s not in their charter. They have no control over fiscal policy and federal spending.

That said, if interest rates are rising and you think you should wait to buy property, you may be a victim of faulty reasoning. Inflation is running hotter than 5%. Your arbitrage opportunity is that difference between current interest rates and future inflation. You are at a sweet spot right now, where you can get in and reap the benefits as inflation trends higher, which it will. Your ability to get a fixed rate loan will lock in advantages for you. I can strategize with you on methods for reducing your transaction costs.

If you’re selling, always look at your net proceeds from selling when comparing brokerages, offers, etc. Don’t leave your money on the table.

Owning property now is more about the type of lifestyle you want to live and where. Being aware of the net present value (NPV) of a financial move is imperative to keeping your wealth growing and intact.

More wealth will be created in the next couple of years before we get to a more dangerous phase in the real estate market. There may be more multi-family and single family built to rent neighborhoods in progress right now, but your best move in most cities and towns is to own or move up. If you’re not an owner you will need to make more risky and speculative moves placing your funds in a stock market that will be more volatile going forward.


It’s been a monster 3 years. Trying to recover from losing a large number of family members (before the pandemic) with the inability to travel for funerals beginning (just after losing a son) and then dealing with everything this pandemic has dished out, as well as reaching full retirement age in the middle of this mess, well let’s just say that I’m retired.

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You Are Who You Choose To Be

This time of year many people who made New Year resolutions are either proud of their efforts or disappointed in themselves.

It’s dangerous territory for you. If your self talk is negative you will have difficulty reaching your goals.

Think of it this way. Every time you have a negative thought, do you also think that it’s true (facts)???? It isn’t! Your thoughts are not you, they are just your stories. So every time you have a negative thought, think about it. Don’t automatically assume that any negative thought about yourself is true.

Ask yourself what could change a thought like that into a positive thought? Thoughts are like software. The negative self-talk is a glitch. Fix it to make it positive so you can move forward toward your goals.

Build a life that makes you happy and excited for every new day. Real estate is one vehicle to enable your desired lifestyle.

What if you’re confused about your goals? If you’re not crystal clear on what your true goals are, you will allow whatever gets in the way to drive negative thoughts, driving you away from making progress.

When you’re very clear on what you want (the outcomes) your goals will provide you with a spark of enthusiasm that makes it easier to stay positive. When you have a setback, it’s easier to reframe any negative thinking by turning it around into a positive thought.

It takes a little practice to become aware of any negative, self-defeating thought patterns.

They become habitual; sometimes from a very young age. Just by becoming clear on your goals and learning to examine your thought patterns so you can transform them into positive thoughts, you’ll be able to get yourself un-stuck, if you feel you’re not making progress.

A positive frame of mind is necessary for most anything worthwhile. Remember that anything worthwhile also usually takes time, so don’t let yourself become discouraged by keeping yourself in negative thought patterns.

You have a choice in what you think. You can change your thoughts at any given moment.

It’s not what you say to others that determines your life; it’s that self-talk! Don’t belittle yourself! Don’t allow your stories to sabotage the success you are seeking! Your negative thoughts can limit every part of your life if you do not take notice of them and change them immediately.

You may have repeated comments made by others as your own negative thoughts from being bullied, doing something embarrassing or failing at something important to you. But knowing that you can change these thoughts immediately (because, really, they could be someone else’s thoughts) you’ll realize that if you have them, others do too.

That means if you have internalized someone else’s negatives into your own stories, and you further embellished them, you need to understand that whatever is said to you in a negative light has more to do with the party who said it than it does with you. We tell ourselves all kinds of crazy stories!

Enough! Others’ negative thoughts, statements and actions toward us say more about them! So change your thoughts anytime! You do not have to accept what anyone else says about you!

You choose who you want to be!

So be clear on your goals and change your negative thought patterns. Once you think you are clear on your goals, examine them again! Is that really the life or business you want to build? Is it big enough? If you can dream it you can achieve it!

We do not dream outside the realm of our potentialities. You wouldn’t even be able to conceive it! Don’t allow others close to you to trash your dreams with their negative talk. Remember, it has more to do with them, than it does with you.

If you deal with procrastination or perfectionism, these thoughts can be changed as well. The new perfect is “good enough!”

Implement, take action, keep going, get started. Perfection for us mere mortals is a story from an imaginative mind! It’s a myth, a story you told yourself to avoid something else, such as feeling “not good enough.”

As it is often said, “Done is better than perfect!” On the other hand, do your best, because when will you find time to do it over? We all have limited time.

You are perfectly you!

What are your strengths? Concentrate on them. Trying to be “perfect” may be unleashing fearful emotions and thoughts.

Nothing good has ever come from unwarranted fear. Fear of not being good enough or being judged by others.

If you are putting out your best, why do you even care what others think? Most people will value your authenticity.