Podcast Episodes
Back to SearchCommunity Over Profit: The History and Power of Credit Unions
Episode 1350
In this episode, we explore the world of credit unions, which are member-owned, nonprofit financial cooperatives that offer services similar to commercial banks. We discuss how these institutions dif…
Published on 11 hours ago
Locked In: The Mechanics, Risks, and Global Variations of Fixed-Rate Mortgages
Episode 1349
In this episode, we deep dive into the fixed-rate mortgage (FRM), a financial tool defined by its stability. We explain how these loans lock in a single interest rate for the entire life of the loan,…
Published on 11 hours ago
Demystifying Mortgage Insurance: PMI, LMI, and the Hidden Costs of a Low Down Payment
Episode 1348
Are you planning to buy a home with less than a 20% down payment? In this episode, we break down Lenders Mortgage Insurance (LMI), known in the U.S. as Private Mortgage Insurance (PMI). While this in…
Published on 11 hours ago
The Two Sides of Amortization: Intangible Assets & Mortgage Math
Episode 1346
In this episode, we break down amortization, a core financial concept that describes the spreading of payments over multiple periods. We explore its two distinct applications: managing business expen…
Published on 11 hours ago
Demystifying the Down Payment: Risk, Rates, and Real Estate
Episode 1347
In this episode, we break down the fundamental concept of the down payment (known as a "deposit" in British English), an initial up-front partial payment used to finalize the purchase of expensive go…
Published on 11 hours ago
Refinancing 101: Lower Rates, Cash Outs, and the Hidden Costs of New Debt
Episode 1345
Are you considering a "refi"? Join us as we break down the mechanics of refinancing—the process of replacing an existing debt obligation with a new one to secure different terms. Whether you are look…
Published on 11 hours ago
Decoding the Adjustable-Rate Mortgage: Teaser Rates, Payment Shock, and the "Index Plus Margin"
Episode 1344
In this episode, we break down the complex world of the Adjustable-Rate Mortgage (ARM), known internationally as a variable-rate or tracker mortgage. Unlike fixed-rate loans, ARMs shift interest rate…
Published on 11 hours ago
Death Pledges & Down Payments: The Global Guide to Mortgages
Episode 1343
Join us as we decode the mortgage loan, a fundamental financial tool used worldwide to fund real estate purchases by securing the loan against the borrower's property,. We begin by exploring the term…
Published on 11 hours ago
Under the Hood: Dealer Markups, Yo-Yo Sales, and the Truth About Car Finance
Episode 1342
Buying a vehicle is often the second-largest purchase a person makes, yet the financial machinery behind it remains opaque to many consumers. With over 85% of new cars and half of used cars in the U.…
Published on 11 hours ago
The Borrowing Blueprint: From Mortgages to Payday Loans
Episode 1341
In this episode, we explore the complex landscape of lending, defining the fundamental agreement where money is tendered in exchange for future repayment and interest. We break down the critical dist…
Published on 11 hours ago