Change comes to America. Barack Obama told the American people has proven to be an open message. Are you ready to put your mortgage on a diet? Keep the ride. A paradigm change is needed. Taking advantage of the bank assets and that every dollar of interest or cancel interest or the best buster debt and asset builder.
Are open to changing the way pay off debt and build wealth? Begin to change 30 years to pay off the mortgage. I said 30? This is a relic of the past. Forty and fifty year mortgages now offer both the United States and Canada. In fact, 50% of mortgages in Canada today, amortized over 40 years (in the past, this number was usually 25). Who would have ever dreamed of? Change will continue, whether in America or Canada. The Canadian government recently announced that it would no longer back mortgages for more than 35 years. How many maps used in the past to help you reach your goal? If you are close to my age (55), I think a lot of nodding in recognition. You may remember the better days of AAA Travel Tickets guiding you to your destination? Even younger? Likely to be used MapQuest. If you have never known anything other than a simple GPS navigation, maps probably sound ancient, and I, old man. What should we do before GPS systems? I can hardly stand to think of those days. I managed to change along the way? You bet we have. Although the 40/50 year mortgages first surfaced during the high interest rates in the 80s in the U.S. today are a result of rising real estate prices in both Canada and the United States. They offer the only way many people can afford a monthly mortgage payment, which allows them to have enough extra food on the table. This is good news. The bad news is that they set up the mortgage, not only the larger, long-term debt, but the life-long debt. The borrower is a 50-year mortgage builds equity very slowly. USA Today (May 2006), mortgage experts warned that the most suitable for those who want to stay on their own for about five years, while the loan interest rate remains fixed. Do you have what you want financial freedom? If the answer is yes, you must choose the best debt busters builders and property:
Think, and finally as a bank, learning that takes advantage of the accumulation of interest on bank assets, interest on floating interest rates and no
Use to create personal financial discipline to the GPS, and calculates a more complicated way
To understand the bottom line of the consequences of spending habits, recognizing that you can change your life
As the GPS in the car, my personal financial GPS is not asking, where were you? or how long were you there? This proactive. One task is to me from where I am where I want to be. To begin, the system provides specific directions, taking into account the fastest and most efficient route leading to the new location to financial freedom. I ask people questions, like: "How much are looking for in your own home?" Often they look confused and reply: "Nothing." I nod my head in agreement, saying: "That's exactly ... zero!" If the banks are doing what most people have done all our lives, they are not fired by the Board. Oh! The truth hurts. This is when you need the best debt buster, a mortgage Diet.Most people realize, you can:
Have a large amount of the principal payments and pay off the mortgage sooner
Make biweekly payments and pay the 30-year mortgage in 23 years
Refinance and pull equity
Sell your home and hold shares
What is the caveat of the above scenarios? Then pull the money from his own pocket for the first two cases. Is it "under the mattress" money, lottery winnings or apply the principal balance? This would apply to the number one. I'm a clone of the 98% of Americans. I do not make payments every two weeks, because it means pulling out the cash in my pocket. Remains the number two. Three? Good luck with this approach in today's economic climate. You're damn lucky, if a bank is a HELOC (Home Equity credit lines) to 80% LTV (Loan to value). Almost one in five homeowners in a negative cash position, which means you owe more than home is worth, you can kiss that possibility goodbye. The problem with the fourth obvious. Homes are not selling fast, and is not for sale, which the homeowner is asking. This brings us to number four. The answer is the same number three. WHAT'S CAPITAL?
As an investor, I like to win, using OPM (other people's money.) I'm paying off my mortgage and debt in record time without a penny in my pocket. I do not refinancing, mortgage payments on a variable, or change my spending habits. Sounds too good to be true? I opened my mind to think like a bank. I realized that there are things I can do to eliminate the interest rate and the cash flow to handle my personal financial GPSto significantly change the path to financial freedom. It's just math ... not magic.
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Tuesday, April 10, 2012
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