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Two people can look at the same parcel of land and come away with wildly different ideas and “facts” that determine how to value it. While there are more than three categories of landowner, most can be characterized in broad terms as developers, speculators or small parcel farmers/passive heirs.  Each land-seller category has its own valuation process and formulas. The value creator A […]

Inflation didn’t just make things “more expensive.” It broke household planning—because the largest line item in most budgets, housing, is still shopped with the wrong unit of measure. When families budget by monthly outflow but search by list price, the market becomes inefficient, stress rises, and mobility collapses. The fix is straightforward: make monthly payment