Change comes to America. Barack Obama said it, and the American people was open to his message. Are you willing to place bets on a diet? Hold on for the ride. A paradigm shift is necessary. Ment tools and make every dollar received either interest or cancel interest is best debt Buster and wealth builder.
Are you open to changing the way you pay off debt and build wealth? Start by changing the way you pay 30-year mortgage. Did I say 30? It is a relic of the past. Forty and fifty year mortgages are now available in both the U.S. and Canada. In fact, 50% mortgages in Canada today are depreciated over 40 years (in the past, that figure was usually 25). Who would have ever dreamed? Change continues, whether in America or Canada. Canadian Government said recently that it would no longer back mortgages over 35 years. How many of you used the card in the past to help you reach your destination? If you are near my age (55), I imagine a lot of you nodding approval. Maybe you remember better days AAA Trip Tickets guiding you to your destination? Even younger? You probably used MapQuest. If you've never known anything other than GPS for easy navigation, a sound card probably old, and me, old. What did we do before GPS systems? I can hardly stand to think about these days. We have changed the way? You bet we have. While 40/50 year mortgages at the beginning of the surface at high interest rates of 80 in the U.S., today they are the result of higher property prices in both Canada and the United States. They offer the only way many can afford the monthly mortgage payment that allows them enough extra to put food on the table. There is good news. The bad news is that these loans to create not only more long-term, but life-long debt. A borrower with a 50-year mortgage builds equity very slowly. USA Today (May 2006), mortgage experts warned that they are best suited for those who intend to stay in her home for about five years, the loan rate remains fixed. Do you desire financial freedom? If you answered yes, you must choose the best debt busters and wealth builders:
Think and act as banks, to learn to take advantage of banking tools retention rates, floating interest rates and cancellation
* Use Personal Financial GPS creates discipline and calculates a more complex way
* Understand the bottom line consequences of your spending habits, noting that it can change your life
As the GPS in the car, Personal Financial GPS mine do not ask, Where have you been? or how long have you been there? It is a deterrent. The only task is to get me where I am where I want to be. Once you start, the system gives a certain direction, taking the fastest and most efficient way as it leads you to a new location, financial freedom. I ask people questions like "How much are you earning from equity in your home?" They often look perplexed and answered, "Nothing." I nod my head in agreement, saying "Yeah ... ZERO!" If the banks were doing what most of us have done all of our lives, they would be fired by the board of directors. Ouch! The truth hurts. It's when you know you need the best debt Buster, the Mortgage Diet.Most people realize that you can do the following:
* A large lump sum payments to principal and pay off the mortgage sooner
* Make biweekly payments and pay thirty-year mortgage for twenty-three years
* Refinance and pull out your cash
* Selling your home and keep your cash
What is a caveat to the above scenario? You need to pull money from their own pockets in the first two cases. Do you have "under the mattress" money or winnings from lotteries to apply against the principal balance? It would apply to number one. I am a clone of 98% of Americans. I do not make biweekly payments because it means pulling money out of my pocket. It takes a second. Number three? Good luck with this approach in today's economic climate. You're damn lucky if the bank will make a HELOC (Home Equity line of Credit) to 80% LTV (loan to value). With nearly one in five homeowners in negative equity position, meaning they owe more than their home is worth, you can kiss that opportunity goodbye. The problem with the fourth one is obvious. Homes are selling quickly, or are they selling for what the homeowner is asking. This brings us to number four. The answer is the same at number three. Far as the capital?
As an investor, I like to achieve by using OPM (other people's money). I'm paying off my mortgage and debt in record time without taking a penny from my pocket. I can not refinance, modify my mortgage payments, or change the spending habit of mine. Sound too good to be true? I opened my mind to think like a bank. I realized that there are things I can do to stop growing and managing cash flow of my using my Personal Financial GPSto significantly affect the way my financial freedom. It's just math ... not magic.
Did I also mention that invest in very conservative 6% cash from years of "no mortgage payments" will make me a millionaire, rather than simply a bona fide home owner? It fits my idea of financial freedom more than just dancing in the street on my mortgage burning party. Not everyone was meant to be the Lewis & Clark, capable of navigating their way across terrain that is difficult. Let's face it. I need some help. America needs a little help. I'm not too proud to ask for it. Watch out Canada. It's right behind us. I welcome a tool that offers a financial dashboard, and shows me the bottom line consequences of my debt and spending habits, as it adapts to real life situations. I like a mirror I can not ignore. I never had it before. Now I do. As a real estate investor, I research and will be available to tools to create financial freedom mine. Likewise, I have responsibilities to customers, as well as those who rent from me option, offering the finest in the market. Personally, I did not want to talk about change, but continue down the old financial planning. I found myself saying, "It's got to be a better way!" I'm excited about a system that levels the playing field and creating equality for all. That is what the American dream is supposed to incorporate. Carpe Diem!
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Monday, January 9, 2012
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