John The Data Man

Most Common Time Traps

You probably know some people who have raised time wasting to an art form. They have mastered the ability to fall into every time trap they […]
John The Data Man

Glossary

Adjustable-rate mortgage (ARM) A mortgage that does not have a fixed interest rate. The rate changes during the life of the loan in line with movements […]
John The Data Man

Predatory Lending

Over the last several years, our nation has made enormous progress in expanding access to capital for previously under served borrowers. Despite this progress, however, too […]
John The Data Man

Five Questions To Answer Before You Refinance Your Home

With interest rates still near historical lows, it may be tempting to refinance to a lower rate. Here are five questions you should ask yourself before […]
John The Data Man

Homeowner’s Advice: Focal Pointing

Now that you own your home, you’re ready to put your personal stamp on the décor. But how do you start? Whether you’re decorating a living […]
John The Data Man

HOA: Mother Lode Committees

Committees are an untapped gold mine available to a homeowner association board. Besides benefitting the board by spreading the work around, committees are an excellent training […]
John The Data Man

Breach of Lease Must Be Material To Warrant Eviction

A typical residential lease agreement will contain a variety of provisions specifying what the tenant must do and what the tenant must not do. Many of […]
John The Data Man

How Canadian Homeowners Are Handling Debt

The bad news is that only 43 per cent of Canadian homeowners say they are happy with the way they’ve managed their debt and day-to-day finances […]
John The Data Man

What Is a Reserve Study In Your HOA?

The Reserve Study analyzes repair and replacement needs like roofing and painting that happen every year and provides a funding plan for accumulating money to perform […]
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