equity management: Money Merge Accounts: More Misleading Information - 05/20/09 10:12 AM
It is hard to believe that I have been talking about these programs for more than two years now, bringing to light the misleading, even false, information presented by the Money Merge Account sellers. Don’t get me wrong, these bits of misinformation spread out on occasion to other mortgage acceleration product … (3 comments)
equity management: "Would you like a side of hyper-inflation with your job loss and reduced-fat retirement?" - 02/24/09 09:59 AM
That is the question our government would be asking you if they were your waiter. While I was doing this morning's mortgage market update, that thought came to mind as a great way to sarcastically explain the government's actions thus far.
With job losses mounting, the government claims they need to … (7 comments)
equity management: The High Cost of Waiting for Lower Mortgage Rates - 02/13/09 03:33 PM
Many of you reading this have been waiting for those government promised mortgage rates of 4.5%, or even lower. Do you realize those rates may never come in actuality? Can you comprehend how much money you are wasting by not refinancing or outright purchasing a property right now?
First, let's look … (3 comments)
equity management: Your Mortgage: Liability or Asset? - 01/30/09 05:40 PM
Most of you reading this would answer the above question quickly and label your mortgage as a liability. After all, it is a debt, isn't it? But if there was more to it than that, or even if your mortgage could become one of your greatest assets. You may think I … (2 comments)
equity management: Money Merge Accounts: Abusing Einstein’s Quotes - 01/28/09 09:27 AM
I have seen this repeatedly in marketing materials from United First Financial (UFirst Financial/UFF) and their agents, another example of the misleading material provided to sell their product, the Money Merge account (MMA). Throughout the history of this company, they have provided nothing but false and/or misleading statements into their advertisements, … (38 comments)
equity management: Florida Mortgage Rates Hit 4.5% - 12/05/08 09:07 AM
Florida Mortgage Rates have reached the lowest they have ever been on a 30-year fixed rate mortgage, as mortgage rates have dipped to just 4.5%, falling below even the lowest rates seen in 2003. Now, more than ever, homeowners should be rushing to refinance or purchase homes as these rates may … (10 comments)
equity management: An "Obama Nation" Brings New Life to Mortgage Planning - 11/05/08 01:07 PM
Ever notice how Obamanation, a term being thrown around a lot, sounds eerily similar to abomination? OK, we won't dwell on that, but let's look at Barack Obama's past and how his actions speak for him more than his words. Then we will relate them to how that equates to an … (4 comments)
equity management: The Financial Crisis, Your Emotions, and Your Money - 10/06/08 09:34 AM
These days, all you have to do is read the paper or turn on your TV and you will think that your money, especially your investments, are rapidly becoming worthless. Even many of the so-called financial gurus, such as Suze Orman, are telling you to get out of the markets, especially … (4 comments)
equity management: Emotions and Finances (Including Mortgages) Should Not be Mixed - 08/25/08 03:30 PM
Hopefully, you have not learned this rule the hard way. The bottom line is whenever you make any financial decisions allowing your emotions to enter into those decisions, you will lose money, and usually lots of it.
I know that all of you are likely emotional about your finances. Those … (3 comments)
equity management: Just How Hard Is It to Make Money? - 06/06/08 04:35 PM
You know I am an advocate of investing versus paying off your mortgage, at least until you have your entire financial and investment plans fulfilled. You know that the reasons come down to liquidity, safety and rate of return, the latter being the point I am going to target today. … (4 comments)
equity management: Mortgage Acceleration: Is the Latest Fad Right for You? - 04/19/08 01:37 PM
Many of you know that I contribute over at Agent Genius, and that is what this particular post is about. I added a post with the above title over at AG and rather than repeating the same content, I decided to just inform you about it and supply this link. Take … (5 comments)
equity management: This is a "Be Careful What You Wish For" Post - 12/04/07 09:37 PM
Recently, I began asking for more testimonials, something I usually do not do as I would like to think I would receive them when my services warranted. Then I read something, somewhere that showed statistically that if you do not ask, you will not receive. Well, being the numbers kind of … (9 comments)
equity management: Really Simple Currency Investing Creates More US Money - 11/29/07 11:17 AM
Ok, as promised, here is what would have happened with your $10,000 investment when converted back to today's USD during the same time as my previous post's housing comparison. For a quick overview, this chart is based on you simply converting $10,000 USD to another currency and switching it back to … (6 comments)
equity management: Would You Rather Spend $6 to Save $4 or Spend $4 to Earn $6? - 11/28/07 01:57 PM
When you look at these numbers, it doesn't seem to really matter, does it? After all it is only a difference of a couple of dollars. Yet, look closer and you will see that in the first scenario you are losing $2 while in the second scenario you are gaining $2. … (5 comments)
equity management: Is Your "Lost Home Equity" Working for You? - 09/18/07 11:22 AM
I am sure you are asking yourself, "what the heck is this guy talking about?" Well, if you have been focusing on paying off your mortgage, you probably have no clue. Here is what I am talking about. You may have missed this stat recently released...US 2Q Homeowner's Equity Falls to 13 … (0 comments)
equity management: Were Americans Really Saving Less Last Year? - 07/31/07 11:42 AM
You may have missed the report that came out this morning and do not realize there was a revision to last year's analysis. The Bureau of Economic Analysis (BEA), which gives out accounts of personal savings rates, made several upward revision's in the personal savings rates for 2004, 2005 and 2006. In … (2 comments)
equity management: How to Borrow Money at 4.875% and Fairly Conservatively Earn up to 12.0% - 07/27/07 11:35 PM
Opponents of proper equity management, as well as those who push mortgage acceleration programs, argue about the ability to earn even 6% tax-free in conservative investments. I will show you how spreading your horizons and investing in CDs based on World Currencies can do that and more, with fairly little risk … (13 comments)
equity management: Money Merge Accounts: Are They Really Worth It (Another Case) - 07/19/07 04:14 PM
A UFF agent placed the following scenario of a client he was putting into a Money Merge Account on one of my blog posts... The client had just closed on a $244,000 mortgage at 6.875% Fixed for 30 years, which creates a $1,602.91 monthly payment since it is fully amortizing. I wish … (17 comments)
equity management: Are You Responsible for the Subprime Mortgage Debacle? - 07/11/07 07:52 PM
Every day, the media talks about the problems in the hosuing market. Most of the talk centers around the loss of homes due to "exotic mortgages", dishonest lenders, among others. People who are marginal borrowers, those we call the subprime market, are often the subjects of the stories. They will also … (11 comments)
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It is hard to believe that I have been talking about these programs for more than two years now, bringing to light the misleading, even false, information presented by the Money Merge Account sellers. Don’t get me wrong, these bits of misinformation spread out on occasion to other mortgage acceleration product … (3 comments)
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