Yes, You Should Pay Off That 3% Home Mortgage

I frequently hear people debating whether to pay off a home mortgage, which usually has a relatively low interest rate, or invest the money. Often the misguided answers to this question stem from only looking at the interest rate for the decision, as if it were the only valid variable. The following are the mistaken … Read more

The High Cost of Being Out of the Real Estate Market?

I recently attended a real estate conference where several speakers talked about investing in syndications. (Groups that pool money from multiple investors to flip big real estate projects for quick profit.) Syndications all go “full circle,” meaning they will collect capital, purchase a property, fix it up to raise its value, and sell the property. … Read more

Reflections of a Physician Turning 60

Last March while we were traveling home in our RV from our snow birding trip to Mesa, Arizona, I turned sixty. On our way to Southern California to meet some friends, we stopped at a bakery to pick up a cake. We enjoyed celebrating my birthday that evening with our friends, but it didn’t set … Read more