We review both the Ring Doorbell and wider Ring Security setup. We share our experiences and ask our classic question – is it worth it? The post Ring Doorbell & Security Review (2026): Is the New Subscription Worth It? appeared first on The Financial Wilderness.

The Short Version: Over $500 billion in commercial real estate loans come due between 2025 and 2027. Operators who borrowed at 3% now face refinancing at 6-7%. The math doesn’t work anymore. When operators can’t refinance profitably, they sell. And when they need to sell before a loan matures, they don’t have the luxury of waiting for the perfect price. That creates motivated sellers. Distressed sellers don’t mean distressed properties. Often you’re buying a fundamentally sound asset from someone who got caught on the wrong side of a rate cycle. Their debt problem becomes your equity opportunity. This window won’t last forever. As the wall of maturities works through the system, the opportunity set will shrink. For patient investors, the next 12-24 months could be some of the best buying we’ve seen in years. A few weeks ago, we were vetting a deal in the Co-Investing Club that caught my attention. Not because of the property itself… (it was a solid workforce housing asset in a decent market)… what caught my attention was the price. It was priced well below what similar properties had traded for just two years ago. And the reason was the current operator needed to exit before their loan matured. They’d borrowed at 3.5% back in 2021. The loan was coming due and refinancing at today’s rates would have crushed their returns. So they were selling at a discount to get out clean. This isn’t an isolated situation. It’s happening across the entire commercial real estate market right now. And if you understand what’s going on, it creates some of the best buying opportunities we’ve seen in years. The Wall of Maturities Between 2025 and 2027, over $500 billion in commercial real estate loans are coming due. That’s not a typo. Half a trillion dollars in debt that needs to be refinanced, paid off, or… something else. Most of these loans originated between 2019 and 2022, when interest rates were at historic lows. Operators borrowed at 3%, sometimes lower, assuming they’d refinance into similar rates when the loans matured. That assumption aged poorly. Today, commercial real estate loans are pricing in the 6-7% range. For many operators, that’s a doubling of their interest expense. On a $10 million loan, that’s the difference between $300,000 in annual interest and $650,000. That extra $350,000 has to come from somewhere… and for a lot of properties, it doesn’t exist. The math simply doesn’t work anymore. Cash flow that looked healthy at 3% rates turns negative at 7%. Operators who were doing fine are suddenly underwater. What Happens When the Math Breaks When an operator can’t refinance profitably, they have a few options. None of them are great. They can try to negotiate an extension with their lender, kicking the can down the road and hoping rates drop. Some lenders are playing along because they don’t want to foreclose and deal with the asset themselves. But extensions aren’t free… lenders typically

Investors have a disparate standard for winning than the New York Yankees. Creating wealth is all about consistency, not championships. The Yankees, on the other hand, have defined a successful season as winning it all; nothing less will do. This edict rings hollow since their last championship was in 2009. Delusion runs rampant in the Bronx. This point brings us to their beleaguered manager, Aaron Boone. Since taking ove…The post Investors Don’t Need To Win The World Series appeared first on A Teachable Moment.

Summary  Welcome to our January spending post! This month, we spent a total of £4,717.   The total spending for January is high! However, it includes payments for two holidays which helps explain the peak. Hopefully some lower-spend months to come!  We’ve sorted our spending into the essentials—housing, food, and transport—plus a catch-all entertainment and miscellaneous category. As always, we’ll break down each area and give you the story behind any standout expenses.  CategoryAmount Housing£409 Food£1,057 Transport£295 Entertainment/misc£2,956 Total£4,717

Due to the U.S. and Israel’s bombing of Iran, oil prices temporarily shot up to $120 per barrel (WTI crude). If the Straits of Hormuz gets completely shut down, perhaps oil prices might go to $150+ a barrel. This would create a tremendous tax on consumers everywhere. With yet another increase in a core living expense, […] The post How to Survive Higher Oil Prices After The Bombing Of Iran appeared first on Financial Samurai.

What is the cost of a speed pedelec? Based on experience of a friend, more than the cost of a car! But this was a few years back, speed pedelec’s have gotten a bit cheaper. Furthermore, the second-hand market has also improved. About 2 years ago I started my current job as a public servant, a few months later I bought a speed pedelec. Time to check how expensive it has been to travel to work. Image by Moshe Harosh from Pixabay What is a speed pedelec? For those of you that are unfamiliar with a speed pedelec, it’s a really quick e-bike. On the Dutch roads you are permitted to go up to 45km/h. You need your speed pedelec fitted with a number plate (same as scooters and mopeds), you need insurance and you need electricity to charge the battery. Other than that, it’s just a big bike. After some research I landed on a Stromer ST3 with regular chain (no Pinion belt unfortunately, was too expensive at the time). I bought used from a gentlemen that only used it for 6 months and then switched jobs and needed a car. I purchased it for €4.800, including lock, helmet, and only 500km on the odometer. The previous owner had bought it new for about €6.000. Turns out that I never made a picture of it, but it looks roughly like this, and with these specs (it was even bought from the same store): The cost of a speed pedelec: Stromer ST3 The speed pedelec experience I love it! It’s fun to ride, it’s fast and for my commute it is brilliant! Only regrets, not going for a bike with suspension under the seat and in the front fork. On asphalt roads it’s fine but when you ride on street tiles, or on spot where there are lots of tree roots making the driving surface rough, it’s not fun. Especially not at higher speeds! But commuting with this bike is near perfect. No traffic jams, never any delays, bit of exercise and a clear head when you get at your destination. To work I do just over 20km one-way, taking me usually about 33-35 min (maximum spread is between 31 and 38min depending on wind, rain and some traffic lights). We have showers at work, which I do need, as I push for the max speed usually. I cycle up to 2 times per week to work (the rest I work from home or use the car if I need to go to work locations) and take the occasional trip elsewhere. I Highly recommend one! But not for use in city’s. It works best outside major centres on longer stretches of bike paths. The operating costs Okay, let’s break down the operating costs for the past 18 months. Is it indeed more expensive than a car? The cost of a speed pedelec: an overview The cost of a speed pedelec: a pie chart of the percentages of costs Is

In this episode, I’m excited to welcome back Kristy Shen and Bryce Leung from the Millennial Revolution. Since the last time they were on the show, they’ve become parents and recently released a new book called Parent Like a Millionaire (Without Being One). In this conversation, we talk about how their perspective on money and financial independence evolved after having a child and how parents can raise financially resilient kids without feeling pressure to overspend. […]

So much has changed in my life from doing the inner work and using coaching tools, that I thought it would be fun (and helpful) to talk more about my story in hopes that it inspires you, too. If you’re a mom, you’re in the right place. This is a space designed to help you overcome challenges and live your best life. I’d love for you to join me inside the Mom On Purpose Membership where we […]