Retirement Mortgage Planning or Mortgage Retirement Planning. Strategies to improve your bottom line and become Cash Rich and House Rich.
Okay, you have come to the website for a few more answers.
Order the free no obligation Audio CD and/or Special Report.Buy Low - Sell High
We always want to know a little more. Humanity is a race that seeks knowledge and answers. Let us look at a simple concept that we call "Buy Low - Sell High." This strategy is what makes the wheels of Wall Street spin. The mere idea of it makes some people goo-goo eyed at the enormous profit potential! The problem with this strategy in the stock market is the risk and guess factor. Will XYZ stock be the next super stock?
We also know the principle of OPM (Other People's Money). Your banking institution or credit union has successfully married these two concepts into a multi-trillion dollar empire. Your bank or credit union uses your money (here is the OPM part), pays you a small dividend for its use and then lends it out in the form of a loan; auto loans, home loans, personal loans and credit card loans. (This is the buy low-sell high portion.) The bank buys low (your dividend payment) and sells high (your mortgage, auto and credit card loans.) This strategy is called arbitrage. So how can I, the little guy, implement these strategies?
Order the free no obligation Audio CD and/or Special Report.Is Home Equity a Safe Investment?
Let us look at home equity and the safety factor. Let us look at homeowner Joe. Joe has a great job at a stable company. He owns a $500,000 home and bought it a few years ago. He has a mortgage of $200,000. With his original down payment and real estate values appreciating Joe has $300,000 worth of equity. Not bad Joe! Joe is a Quarter-Millionaire. Every month Joe pays all his bills on time, in fact he even pays extra principle to pay off his mortgage early. Joe is an average American and has an average savings account.
Suddenly disaster strikes. Joe finds himself unemployed due to lay-offs, downsizing, the company folds, is forced to shutdown by government intervention, a merger, or (pick one of many reasons). Joe finds himself unemployed for 6 months and has not paid his mortgage. The bank starts the foreclosure process. Joe says to the bank, "But I have paid extra principle all these years, can't we make a deal?" The bank looks at his defaulted loan, looks at his property and says, "No". Why? The bank can sell Joe's house for $400,000, well below the market (and it will sell fast). The bank can recoup its losses and make a tidy profit. Banks may be more apt to foreclose in the event there is significant equity in the property. How can I protect myself and my equity from disasters and unemployment? What is the best and fastest way to pay off my home?
Order the free no obligation Audio CD and/or Special Report.Mother Nature and Your Home
Let us look at Joe again. Same house, same mortgage and equity, same company. This time disaster strikes in a different way. Mother Nature unleashes all her fury via an earthquake, tornado, hurricane, tsunami, fire or some other "Act of God." Joe's home is utterly destroyed. More than likely insurance will cover a portion of it and the bank may or may not "forgive" the debt as the asset (Joe's home) is completely gone. Some of our fellow American's homes were destroyed in Louisiana and Mississippi due to hurricane Katrina, fires that ravaged the San Diego area and the mud slides of the Los Angeles area.
What if Joe had separated his equity from his home into a safe interest bearing account? Add the beauty of compound interest into this equation and we have a wonderful thing, exponential growth. Do you want to know how to protect your home from disasters, unemployment illness and death?
Order the free no obligation Audio CD and/or Special Report.Uncle Sam vs. Your Retirement
Learn how to plan your retirement, not Uncle Sam's. The IRS requires their fair share to run this great country, but no more than that. Here is a question, "If you were a farmer would you rather pay tax on the seed or the harvest?" Up front on the seed with no tax on the harvest or no tax on the seed and taxed on the back end, the harvest. Let's look at Joe's traditional 401K retirement accounts. He put his money in tax-free and it grew tax-free. What a good deal! Or is it? Let us say that Joe over his lifetime made deposits totaling $100,000 into his retirement account. Joe has been diligent, watching over his account and it has grown to $1,000,000. Good job, Joe! Joe's a Millionaire. Wait a minute, wait a minute. Joe is not taxed on the $100k (the seed) but on the withdrawals from the full million (the harvest). Are Uncle Sam and the IRS going to reap more tax income from Joe's measly $100k or from Joe's million? These 401k and other "qualified" retirement programs were written so that the IRS comes out ahead. So I say "what a good deal...for Uncle Sam." Do you want to know how to plan your retirement, not Uncle Sam's?
Order the free no obligation Audio CD and/or Special Report.The equity management program is a dynamic strategy. However, it is not for everyone. It is only for disciplined homeowners who have accumulated equity, have good credit and have the earning power sufficient to put their equity to work. This is a planned long-term financial concept that when applied in the proper settings will generate tremendous results.
Order the free no obligation Audio CD and/or Special Report.Are you ready for your free one hour no obligation consultation?
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