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client advice: Are You Trying to Pay Off Your Mortgage Faster? If so, Read This...(Part 2) - 05/09/07 12:17 PM
(If you did not read Part 1, please go back and read it as that is the basis for this post.)
In the last post, we left John without a job the couple was forced to sell their home at a loss to avoid foreclosure.  We also mentioned how they regretted their decision.
So, with continued analysis, let's first look at how they could have done better even with a 15-year mortgage and we will assume the couple has no financial difficulties.  John and Jane made a decent amount of money and found themselves in the 31% tax bracket and stated they planned … (4 comments)

client advice: Are You Trying to Pay Off Your Mortgage Faster? If so, Read This...(Part 1) - 05/09/07 09:30 AM
Most Americans dream of owning their own home, and owning their home free and clear of a mortgage.  While that may be a noble goal, they go about it the wrong way.  To assist in emphasizing this fact, we will take a look at a couple who are trying to decide which loan is better for them.  Here is their scenario...
John and Jane are in their early thirties and expect to be working for another 30 to 35 years before retiring.  Traditionally, most couples in their position would have gone for the 30-year conventional home mortgage.  John and Jane, however, have … (5 comments)

client advice: Watch Out for Falling... - 05/08/07 01:28 AM
I was doing some research today and looking into the future of the mortgage market.  It never seems to fail that technical indicators portray a good glimpse of the future, and with that in mind, I am off to predict the future of interest rates.
Many of you may know that I run another blog off my main mortgage site that posts updates on the mortgage market and provides locking guidance for those that choose to float.  I get this information from several different resources as I do not like any one opinion, another thing many of you may already know about … (30 comments)

client advice: How to Earn Money by Borrowing at 6.0% and Investing at 4.0% - 04/25/07 02:23 PM
This article is about the benefits of proper mortgage planning and how they can lead you down a path to true financial freedom faster than you thought possible, even faster than an MMA can get you there.  The goal is to show you how you may be able to use your mortgage to accelerate your financial and investment plans and grow your wealth more over time.
For starters, and to make calculations simple, we will say you take out a $100,000 mortgage at 6.5% (30 year fixed, fully amortizing) and invest the money in an investment vehicle earning 4%.  This scenario is … (21 comments)

client advice: Knowing When to Place Limits on Your Business - 01/20/07 11:13 PM
The New Year came in full force for me this year and I am faced with a dilema I am sure most of you would like to have.  The problem is that I allowed myself to bite off more than I could chew.  Actually all this happened last month which is why my blogging, comments, and free time disappeared for a while, except sporadic appearances.  It is also the reason I am posting this late Saturday night.
What happened?  While I do not know exactly what caused the rapid increase in my business as the year wound down, but I can say … (10 comments)

 
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Robert D. Ashby

Miramar, FL

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Address: 11758 SW 26th CT, Miramar, FL, 33025

Office Phone: (954) 674-6864

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Florida Mortgage Specialist provides "thought provoking" topics and strategies for proper mortgage planning. MEDS™ is a unique mortgage process that properly integrates your mortgage into your financial plan.

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