Bill Joyce

Low interest rates don’t make housing more affordable.

Supply and demand are the biggest determining factors in housing values.  While getting a lower interest rate loan will reduce a payment in a specific house purchase, the long term effect of low interest rates is simply housing inflation.  From a macro/market perspective, interest rates have a supplemental and often artificial impact on values. Rate …

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Sacrificing for the Life You Want: An Interview with Christian Dy

Christian Dy is a financial planner, but he prefers the term “financial educator.” In addition to guiding his clients on issues around financial planning, investment, and insurance, Christian also gives workshops to educate the public on how to make better financial decisions. He works in Vancouver, BC where the cost of housing is prohibitively high, …

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“Truing up” Your Personal Values On A Home Purchase: An Interview with Divorce Coach Laura Bonarrigo

As a certified divorce coach, Laura Bonarrigo specializes in helping people during times of transition in their lives.  Her focus is to aid them in considering the ramifications of those changes and to hold them accountable to becoming the best possible versions of their true selves, living a life based on their values. I talked …

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Subprime Loans

Is the real estate industry to blame for the mortgage/housing meltdown?

In the comments section of a reputable housing blog, someone complained that the ‘real estate industry’ was to blame for the collapse in housing (2005-2010).   Along with some general complaints about agents costing too much and doing too little, one of this commenters main points was that sometimes buyers should not buy a house …

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Finances and Intentionality in a Home Purchase: An Interview with Michael Palazzolo

Michael Palazzolo has a varied background. After his first career as a software engineer, he worked for a national credit housing counseling agency. In this role, he counseled clients in both the pre-purchase phase as well as others who were trying to keep their homes during the housing meltdown ten years ago. He is now …

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Personal financial fitness, Choice and Intentionality in Home Buying. Surviving The American Dream: Stacey Powell of www.TheFinanceGym.com

Stacey Powell is a former financial auditor and founder of The Financial Gym, a small business which helps people get out of the cycle of living paycheck to paycheck. She believes that simply by spending more time focusing on finances, it’s possible to break free of this cycle. She confesses that the idea for the …

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There’s more to life than being stuck in a house payment. Becky Wolfe On Paying Down Debt, Income Properties & Financial Freedom

BECKY WOLFE ON FINANCIAL FREEDOM I recently sat down to talk with Becky Wolfe, a physician’s assistant, blogger, and mom from Ohio. Besides her experiences as a home buyer, she is also the author of Simply Intentional Life a blog about achieving a debt-free lifestyle. In addition, I talked with her about her experience of building …

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How much is that house really worth? Appraisals in the Home Purchase Process

So it’s time for the appraisal.  An appraiser is someone that is hired by the buyer but essentially works for the lender to investigate the property.  Most importantly, an appraiser determines the value of the property as security for the loan that you (the buyer) are going to get on the property. Why is the …

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Budgets, Accountability & Values: Interview with Life Coach Elizabeth Farrell

As a real estate broker, I’ve witnessed a lot of pain and suffering as a result of poor choices about home ownership. I often wonder how to help families take more control of their financial future to avoid that. I sat down with Elizabeth Farrell to discuss this question. Elizabeth gracefully balances many responsibilities as …

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