Month: February 2026

Wasn’t it just New Years Eve? Time flies, this morning Punxsutawney Phil “saw” six more weeks of winter, and “the IMB” is already here. What is the chatter in the hallways at the MBA’s Independent Mortgage Banker’s conference in Florida? “Holy smokes it’s cold in Florida (Jacksonville’s low is 26 F today; everyone is bundled up to even go to the hotel lobby). The Ritz is relatively small, so the room block sold out quickly. As a result, many people are staying at hotels in the vicinity (such…

“Six out of seven dwarves are not Happy.” Much of life is based on probability, and/or a gamble. For example, I can’t believe that I put my entire 401(k) into bitcoin last summer. Bitcoin has since plummeted… I thought that the only thing it could do is go up! Looks like I’ll be working til I’m 90. But back to the topic. Casino owners make a fortune off of people who are convinced that they’re going to win… but we all know that the dollars don’t always work that way. Las Vegas, home of the…