certified mortgage planner: Finally! A BIG Day Today for Everyone! - 11/25/08 09:05 PM
Happy Week of Thanksgiving Everyone!
READ THIS!!
Are you sick of getting all of your information about the economy from the media, newspaper, and your neighbors?
Puhhhhlease say "Yes, Kurtis...I really am. But, Kurtis, WHERE ON EARTH can I go to get reliable and up to date information that … (0 comments)
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certified mortgage planner: Mortgage rates and the market... - 11/20/08 07:48 PM
Lot's happening in the market, but here's what I'm writing about. Stock market loses money yesterday and today and Wall Street is selling, but when they sell... where do they put their money? No, it doesn't go into savings or cash, because Wall Street will always put their money where they … (2 comments)
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certified mortgage planner: Yes... you can get a mortgage today! - 11/20/08 07:43 PM
Despite what some people think or believe... most people can get a mortgage today. And no, it's not hard either. Unlike the past few years when just about anybody could get a mortgage, the difference today is a buyer has to qualify and fit into fairly easy guidelines. Here are the … (0 comments)
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certified mortgage planner: I'm Mad! - 11/18/08 08:23 PM
Quote of the Week: "The person interested in success has to learn to view failure as a healthy, inevitable part of the process of getting to the top." Dr. Joyce Brother Psychologist and Television Personality Have you heard of Corporate Financial Benefits? Look what's happened to families' individual wealth in the … (0 comments)
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certified mortgage planner: What the market did.. and what's happening this week? - 11/17/08 10:35 AM
Here is a quick snapshot of what the market did last week and what's happening this week.
This is a good, quick read. Just Click Right Here.
Courtesy:
Ken PedersonCertified Mortgage Planner, CMPSFAIRWAY Independent Mortgage Corp.717-431-9299
PA's Best Lender
… (0 comments)
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certified mortgage planner: What the market did and what's ahead for mortgage rates... - 11/03/08 06:12 AM
What happened last week?What to look out for this week?
And some financial tips on leasing versus buying an automobile.
Click on the link to my weekly "Market Update".
Courtesy of Ken PedersonCertified Mortgage Planner, CMPSwww.FairwayPA.com717-431-9299
… (3 comments)
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certified mortgage planner: Investment and rental property news... - 10/16/08 06:45 PM
Investment property purchases have been fairly strong this year, for good reason. Less people are buying homes which means more are renting and this trend may continue for a little while due to more standardized underwriting guidelines.There is one change that has just happened to make it safer for the investor … (4 comments)
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certified mortgage planner: What's this? 100% Financing, No Monthly PMI Payments and it's not VA... - 10/14/08 06:22 PM
In the past few months we have written a lot about FHA loans and the benefits of this "in vogue" mortgage product. We have also talked about the tightening of the industry, especially in the Freddie/ Fannie Conventional world.
So if I told you that there was a Conventional loan that … (4 comments)
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certified mortgage planner: Is now the right time to buy Real Estate? - 10/02/08 07:26 PM
If you read my other blog, MortgageScribe, you will know that I have been strongly in favor of purchasing real estate for quite some time now. There are too many strong factors that all point towards being a buyer or investor... Today, right now.
1. Strong supply of homes on the market in all price … (4 comments)
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certified mortgage planner: What Is Happening (For Real This Time!)? - 10/01/08 07:08 PM
Only Successful People Fail "When you make a mistake, don't look back at it long. Take the reason of the thing into your mind, and then look forward. Mistakes are lessons of wisdom. The past cannot be changed. The future is yet in your power." ~Phyllis Bottome1884-1963, Novelist and LecturerGood Afternoon!Well, what … (0 comments)
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certified mortgage planner: For Realtors Only... - 09/08/08 07:47 AM
Any feedback you have on this website would be greatly appreciated. We have invested in this site that is designed to help us and our Realtor clients with their business. There is information here, available in various formats to help you. You will recognize most of the contributors, as they are … (4 comments)
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certified mortgage planner: Where are mortgage rates heading??? - 09/08/08 07:38 AM
Mortgage rates are volatile and can turn on a dime these days. Up one morning and down in the afternoon and vice versa. There has been some good movement and general "trending" since earlier in August though which could be a positive sign for mortgage rates as we head into the … (1 comments)
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certified mortgage planner: Where are mortgage rates heading??? - 08/29/08 07:21 AM
Check out the bond chart below. As bond prices go down (see the red), mortgage rates go up. As bond prices go up (see the green), mortgage rates go down. (please note, there are many factors that push rates one direction or the other, but mortgage rates do tend to move … (0 comments)
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certified mortgage planner: FHA Financing Changes... - 08/29/08 07:13 AM
FHA financing is undergoing some changes as a result of the "Housing and Economic Recovery Act" or HERA. Here are a few of the major changes. *No more seller-funded Down Payment Assitance programs. Grants and gift money is still OK. *Buyer contributions will be increased from 3% to 3.5% *The recent credit-score … (0 comments)
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certified mortgage planner: Hurry Up and Buy? - 08/29/08 03:15 AM
Not to be a downer but can you believe Summer is almost at an end???
be+DO=have "My greatest point is my persistence. I never give up in a match. However down I am, I fight until the last ball." ~ Bjorn Borg, tennis playerWashington has been busy lately. In one of the most … (0 comments)
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certified mortgage planner: Nehemiah and other Down Payment Assistance Programs are going away... - 08/06/08 07:23 PM
Another "hot" item in the Housing Reform Bill signed by President Bush last week was the elimination of Down Payment Assistance (DPA) Programs. A Down Payment Assistance program was allowed by FHA and some conventional loan programs. What started as a way for non-profit groups like churches and such to gift funds … (7 comments)
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certified mortgage planner: 1st Time Buyers find money in new Housing Bill - 08/06/08 07:07 PM
I'm writing to let you know about one part of the new Housing Reform Bill that President Bush signed last week that may be of interest to you. The Bill was almost 800 pages long, so our resources are still deciphering it. But, there is one part that will be of … (1 comments)
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certified mortgage planner: Mortgage Calculator - 07/31/08 08:55 PM
We have a vibrant Mortgage Calculator that offers various scenarios and options. You may forward this friends or clients if you wish.
Ken PedersonCertified Mortgage Planner, CMPSFAIRWAY Independent Mortgage Corp.
Serving all of PA and surrounding States.
… (4 comments)
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certified mortgage planner: Mortgage Calculator - 07/24/08 07:19 PM
Click on the link for some great Mortgage Calculators.
Posted by Ken Pederson Certified Mortgage Planner, CMPSFAIRWAY Independent Mortgage Corp in Lancaster, PA
PA's Best Lender
… (0 comments)
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certified mortgage planner: Volatile Interest Rate Market - 07/24/08 07:14 PM
Take a look at the chart below and you can see the volatile movement of the bond market and mortgage interest rates will correspond accordingly. As bond prices go down, as shown in RED below... mortgage rates go up. As bond prices go up, as shown in GREEN... mortgage rates go … (0 comments)
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certified mortgage planner: The Housing and Finance Bill - 07/24/08 07:07 PM
This Bill synopsis was provided to us by Lenders One. See bottom of article for full credits. Dated 7/23/08. The House and Senate reached agreement on a massive housing bill that affects FHA, Fannie and Freddie, tax policy and many changes involving the housing market. We have previously briefed you by … (0 comments)
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certified mortgage planner: The Fed and Mortgage Rates - 06/27/08 06:59 AM
The Fed left the Fed Funds Rate unchanged when they met on Wednesday. The Fed is in a tough position right now... Inflation is hitting us all with higher prices at the gas pump and food and almost everywhere we turn. And the Fed's best way to combat inflation is to … (1 comments)
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certified mortgage planner: FHA is filling the void... - 06/26/08 08:04 PM
Freddie/Fannie (conventional loan lenders) tiered interest rates higher for lower credit scores and eliminated many of their No-Down Payment loans. Sub-prime doesn't really exist anymore and the Mortgage Insurance Companies won't insure 100% loans or buyers with less than 620 credit scores. These actions over the past 4-5 months have left … (2 comments)
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certified mortgage planner: Good read for just about everybody - 06/26/08 07:48 PM
"The Go-Giver" is an excellent read. Fast and in story mode, a good parable. This is the kind of book you can read in just a couple of hours, one good sitting if you can find the time. "A Little Story about a Powerful Business Idea." Writeen by Bob Burg and … (1 comments)
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certified mortgage planner: 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)
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certified mortgage planner: More changes from the Mortgage Insurance Industry... - 05/29/08 07:36 PM
Here are a few the NEW changes, effective 6/2/08, coming from MGIC, the oldest and largest mortgage insurance company in the world. And when MGIC makes changes, the rest of the industry follows.1. MGIC will no longer insure a low or no-doc type of loan. 2. Negative amortization loans, those which can the … (2 comments)
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certified mortgage planner: Lenders V. Mortgage Insurance - 05/29/08 07:28 PM
One of these days, the real estate lending industry will be on the same page with their friends in supporting industries. However, until the lenders are on the same page with the mortgage insurance company's, the real estate environment is going to stay a bit confused. Here's what's happening...On one side … (0 comments)
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certified mortgage planner: Taxed or Tax Deferred? - 05/15/08 09:01 PM
It's not hard to realize that money accumulating in an account will grow more if it's not taxed on an annualized basis. If you are in the accumulation phase (building wealth), maximizing contributions to tax advantaged/tax deferred or tax free accounts is important. Not taxed versus taxed is much better. Take … (1 comments)
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certified mortgage planner: Are you a Mortgage Strategist? - 10/04/07 10:26 AM
A Mortgage Strategist should help clients discover how their mortgage Fits into their overall Financial Plan. They should understand how to use Leverage to Create Wealth, Achieve Goals, and Protect Against Financial Disaster.
… (0 comments)
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certified mortgage planner: 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)
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certified mortgage planner: Florida Mortgage Market Update - 05/17/07 10:39 AM
We remain in a LOCKING stance. Mortgage Bonds = -16bp
Mortgage bonds traded flat yesterday in the absence of any major economic news. Today shows a different picture.
As we informed you that the 200-day MA failed to maintain support and keep bond pricing above this critical level, price erosion was likely to … (4 comments)
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certified mortgage planner: Money Merge Accounts Vs Equity Harvesting: Harvesting Wins by Over $1.5M - 05/16/07 10:14 AM
This is actually another look at the whole Money Merge Account, Mortgage Acceleration post I did a while ago that spawned a lot of debate. Click the link below to see that post if you have not already read it.
Money Merge Accounts: Are They Really the Best Thing for You?
Now … (43 comments)
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certified mortgage planner: With Foreclosures on the Rise, Is Your Home Really Safe? - 05/15/07 10:20 AM
Well, if you are paying your monthly mortgage payments, your home is safe, for now. Unfortunately, many home buyers have the misconception that paying down their mortgage quickly is the best method of reducing risk of foreclosure on their homes. That's right, even the Money Merge Accounts (MMAs) and other Mortgage … (11 comments)
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certified mortgage planner: 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 … (4 comments)
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certified mortgage planner: 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 … (3 comments)
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certified mortgage planner: 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 … (30 comments)
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certified mortgage planner: Are America's Housing ATMs All Tapped Out? - 04/30/07 02:44 PM
Today saw the release of the US Savings rate, which improved from the last reports. It is still in negative territory at -.8%, but is up from -1.2%.
I know, many of you probably don't follow this number, and some may not even know what it means. Basically, its interpretation is that … (3 comments)
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certified mortgage planner: 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 … (21 comments)
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certified mortgage planner: Lower Interest Rates Ahead? - 04/24/07 09:23 AM
At 10am EDT this morning, two normally moderate impact reports were released that is currently moving the markets.
Both Existing Home Sales and Consumer Confidence were released this morning and both missed expectations. What does that mean?
Continued weakness in the housing market is apparent based on the Exisitng Home Sales numbers, but … (5 comments)
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certified mortgage planner: How to Make $125K Tax-Free in Addition to Rental Income - 02/26/07 09:05 AM
If you are an avid real estate investor who likes to keep rental properties for a reasonable period before selling, then there is a way for you to make $125K tax-free over and above the rental income you receive. For this scenario, we will assume you are single simply because those … (6 comments)
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certified mortgage planner: Money Merge Accounts: Are They Really the Best Thing for You? - 02/21/07 09:37 AM
This revolutionary product is a good product for some, but the reality is that it may prove more costly to you over time.
Money Merge Accounts, or whatever else companies would like to call them, are good loan products for certain families. However, if you are a disciplined family and want increased … (144 comments)
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certified mortgage planner: Which is the Safer Investment - Home Equity or Burying Your Money in the Backyard? - 01/28/07 07:07 PM
Your first reaction to this title is what the heck is he comparing these two for, it is clearly home equity, right? Well, let's take a closer look at these two "investments". In order to do this, we have to understand the three areas that determine a good investment...liquidity, safety, and … (9 comments)
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certified mortgage planner: Even the Wealthy Need Financial and Real Estate Education! - 01/24/07 12:07 PM
I was reviewing an article in the Wall Street Journal and how it highlighted the fact that even the wealthy are heading back to school to learn about how to manage their money. The article highlighted several courses at various colleges and some companies that offer specialized courses. The biggest question … (2 comments)
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certified mortgage planner: 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 … (10 comments)
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certified mortgage planner: Interesting Way to Forecast the Destruction of a Market - 01/09/07 09:13 PM
In the January issue of Money magazine, there was a small little feature which showed the correlation between the movies coming out of Hollywood and the following devestation on the markets portrayed in the movie. While the snippet focused on how hedge funds are going to meet their turmoil soon, it … (7 comments)
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certified mortgage planner: Is Your Nest Egg Cracked? - 12/26/06 01:49 PM
When it comes to your retirement nest egg, are you certain that you will have enough. There are a few things that may causecracks in your nest egg that you may not have planned for. Things like rising health care costs, your planned life expectancy and social security (or lack thereof). … (2 comments)
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certified mortgage planner: Need Long Term Care? Mortgage Planning May Help - 12/20/06 03:16 PM
About a month ago, an issue of Investment News contained an article discussing the importance of long term care options for clients. According to a study by the American Society on Aging, more than 70% of all Americans reaching age 65 will need long-term care at some point in their lives.
Common … (5 comments)
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certified mortgage planner: Everybody's Gonna Get Memed!!! - 12/18/06 09:50 PM
Jeff Belonger just contacted me today and said I had been memed. My first reaction was, what the heck is that? Is it good? Is it bad? I need more information.
Fortunately, Jeff included a link to his blog where he memed me. He did a brief explanation and that gave … (11 comments)
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certified mortgage planner: Be Prepared for Tax Season - 12/18/06 09:58 AM
The Kiplinger Tax Letter for Dec. 15 is, as always, chock full of tax information that everyone needs to know. With the year coming to a close, and tax returns arriving in about two weeks or so, it is time to start preparations for the upcoming income tax filings. Even if … (2 comments)
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certified mortgage planner: Have You Done Your Annual Mortgage Checkup Yet? - 12/16/06 02:35 PM
Most people do not know that their mortgage, being a huge part of your financial plan, needs to have an annual checkup to ensure it still fits. Just like you need to have an annual physical done to ensure the health of your body, you need to seek a true mortgage … (4 comments)
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certified mortgage planner: How to Get a Tax Deduction on Your Roth IRA - 12/15/06 11:21 PM
OK, many of you have heard my response when people start talking about out of the box thinking. In case you don't remember, my response was that I like to think out of the box, but sometimes I like to blow the box up. This is an example of me blowing … (17 comments)
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certified mortgage planner: Welcome to the Mortgage Planning Strategies Group! - 11/28/06 10:21 PM
Hello and welcome to the Mortgage Planning Strategies group. This group is designed for posting mortgage strategies and information related to mortgage strategies (ie. tax deductability). As you can see, I have gone through some of my old posts and added them to the group already. Please use them as examples … (0 comments)
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certified mortgage planner: How to Receive Your Retirement Money Now, Penalty Free! - 11/27/06 09:04 PM
Now that I am back from my AR rehab experience (which I will blog about later), I decided to start with a post about a little known concept regarding retirement accounts. The information below is for reference, education and added thought only. Seek appropriately qualified individuals for guidance specific to your … (4 comments)
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certified mortgage planner: How to Solve a Home Purchase Problem When Your Current Home Doesn't Sell - 11/15/06 09:36 PM
There have been numerous articles published recently providing their endless litany of suggestions about how to deal with the slowing real estate market. These magazines and journalists have now become the so-called experts.
The articles are making a lot of hoopla about how homes are taking longer to sell and people are … (22 comments)
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certified mortgage planner: Interest Rates and Their Effect on Potential Homebuyers - 11/12/06 09:28 PM
When reviewing a survey that was conducted about a year ago, it reminded me of what really drives potential homebuyers to make that home purchase. In light of the fact interest rates may start rising again, what effect would that have on the real estate market during a recovery, or any … (9 comments)
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certified mortgage planner: Planning to Retire a Few Years Later? - 11/10/06 09:08 PM
Most financial planners will lead you to believe that your only hope of being able to retire is to delay your retirement a few years in order to gain full social security benefits. The extra time also allows your 401(k), IRA, or other retirement investments to grow more. They will tell … (4 comments)
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certified mortgage planner: The Taxes are Coming...The Taxes are Coming... - 11/08/06 10:15 AM
OK, the polls are closed (and the recounts pending), but the Democrats have taken over the House and the Senate is still up for grabs. Leaving the issues other than taxes on the table, let's look at the drawbacks to this.
Historically speaking, this means higher taxes to come. The Democrats don't … (4 comments)
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certified mortgage planner: Rules for Calculating Retirement Income Have Changed - 11/06/06 11:01 AM
In the September issue of Journal of Financial Planning there was a study that illustrated how more Americans at the later stages in life are carrying a home mortgage than was the case in the 80s and 90s.
Here are some of the highlights shown in the report...
For Americans that are … (0 comments)
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certified mortgage planner: How Much Money Would You Deposit in this Investment? - 10/31/06 09:48 PM
Many Americans have been maximizing their contributions to this investment and don't even know it. Additionally, the ones that realize they are doing it, don't realize the truth!
So, I ask you, how much money would you put into this investment?
The customer determines the amount and length of time for monthly contributionsThe … (4 comments)
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certified mortgage planner: Mortgage Interest Tax Deductability - Revisited - 10/30/06 08:23 AM
Many of you have read my post on the deductibility of mortgage (Mortgage Interest Tax Deductability - What Are The Limitations?). Here is what you may not know that I didn't cover and why you may want to start reviewing what changes you may need to make.
First off, the IRS has … (6 comments)
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certified mortgage planner: Top 10 Home Equity (and mortgage) "Myth Conceptions" - 10/24/06 04:20 PM
Ok, keeping in line with the format of Top Ten Lists, I decided to share some common misconceptions about our home's equity and mortgages. Here they are...
#10 - When a married couple sells their home, they are required to use the cash proceeds to purchase a new home in order to receive the … (4 comments)
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certified mortgage planner: Mortgage Advice from Telenovelas? - 10/23/06 09:25 AM
Yes, your read it correctly. People can now learn about mortgages and take advice from telenovelas. What next? Days of Our lives teaching us how about mortgages as well?
OK, some of you may not know what telenovelas are, so let me explain. Simply put, they are the Spanish version of … (18 comments)
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certified mortgage planner: Exotic Loans Being Mistreated... - 10/22/06 09:10 PM
This topic seems to be hot and rather than post comments on others blogs, I decided just to post an article I wrote a while back and released via PRWeb. I titled the article Are Interest-Only, Option ARMs, and other "Exotic" Loans Really any Riskier than Fixed Rate Loans? Here is … (2 comments)
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certified mortgage planner: Make $1.3M Without Spending an Extra Penny! - 10/19/06 09:24 PM
OK, chances are by now that you know I think outside the box. After seeing the comments (many thanks to those of you who did comment) it seemed to me that you all hungered for more examples of how the proper integration of your mortgage into your financial plan can put … (6 comments)
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certified mortgage planner: Become a Banker! - Well not literally... - 10/16/06 10:11 AM
According to R. Nelson Nash, author of Becoming Your Own Banker, The Infinite Banking Concept, the average American is losing 35% of their net income to interest paid on various loans (auto, home, credit cards, etc.). Even if a person saves 10% of their income, they still have a 3.5 to … (4 comments)
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certified mortgage planner: A Tale of Two Brothers - 10/14/06 02:50 PM
I wanted to do a follow up on my $25,000 mistake post and present another example straight from my seminars. This topic is titled "A Tale of Two Brothers" and shows the different ways of thinking and the benefits of adapting to today's rules of money. In fact, it is an … (32 comments)
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certified mortgage planner: Mortgage Interest Tax Deductability - What Are The Limitations? - 10/13/06 03:43 PM
Ok, I know I am not a tax advisor per se, but this is one area that I know a lot about since it is a huge part of my profession. I am willing to bet though, that none of you (well there might be a few) have thought about this … (14 comments)
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certified mortgage planner: Do Airline Pilots Make Better Mortgage Planners? - 10/12/06 09:01 AM
Being an airline pilot myself (furloughed), I wanted to provide insight in how we do things on a daily basis flying planes, especially across the oceans.
Few undertakings require the level of preparation necessary to ensure a safe flight. Although we tend to take many things for granted, each time we take … (0 comments)
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certified mortgage planner: The $25,000 Mistake caused by the "Myth-Conception" of Mortgages - 10/11/06 09:20 PM
Let's take a look at costly misperceptions held by millions of Americans.
Most people believe making extra principal payments on their mortgages saves them money. Most believe mortgage interest is an expense that should be eliminated as soon as possible. Most believe home equity has a rate of return and enhances … (40 comments)
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certified mortgage planner: Mortgage Planning Case Study - 5 Year Interest Only Refi Every 5 Years - 10/09/06 09:22 PM
This is the third and final scenario that I presented to one of my clients and is the last of three posts on this topic for educational purposes.
As with the previous posts (2 others on the exact same client), I will review the power behind seeking professional guidance when it comes to … (0 comments)
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certified mortgage planner: Mortgage Planning Case Study - Refinance every 5 years (pay Option ARM) - 10/08/06 10:11 PM
This is the second in a series of three scenarios related to one of my actual clients.
As with the previous post and the next (3 on the exact same client), I will review the power behind seeking professional guidance when it comes to your mortgage and not just "rate shopping." Please … (4 comments)
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certified mortgage planner: Mortgage Planning Case Study - Single Equity Out Refinance - 10/07/06 06:17 PM
I wanted to share a little about the power of properly integrating your mortgage into your overall financial plan. I mentioned in a previous blog post that financial planners, like Suze Orman may be giving bad advice, advice costing those who implement their advice a lot of money over time.
In this post … (0 comments)
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certified mortgage planner: Are Financial Planners Giving Erroneous Advice? - 10/04/06 09:08 PM
PEMBROKE PINES, FL – In an article titled “Five More Mistakes to Avoid,” Suze Orman, the “guru” of personal finance, claims that “not paying off your mortgage early” is a “dumb move.” Following this guidance may actually be the exact opposite of what you should be doing!
Ms. Orman bases the fact … (4 comments)
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certified mortgage planner: How Big is Your Web Presence? - 10/03/06 07:58 AM
I got to thinking about how big of an impact I am having on the web. Then it came to me...one of the best ways to see your web presence is to "Google" your name in quotes. I did this and here is the result:
"Robert D. Ashby" returned over 2oo references, … (3 comments)
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certified mortgage planner: Inspirational Story of the Month (Names and Details changed to Protect Privacy.) - 10/02/06 03:45 PM
"We never saw it, or anything, before it bit. It shook me. It lasted about three seconds long. All I saw was, like, a gray blur. It let go and I just looked at the red blood in the water." The night before Halloween, the top female surfer in her … (2 comments)
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certified mortgage planner: Can a Mortgage Actually Save Your Life? - 09/27/06 08:11 AM
Almost everyone has savings in the bank, right? Well, the data from the Bureau of Economic Analysis (BEA) shows that despite our personal income increasing, our personal savings has decreased .2 percent during the months of October and November of 2005. That was even before the Christmas season.
What does this … (2 comments)
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certified mortgage planner: Don’t Pay Off That Mortgage, It Could Be the Biggest Mistake! - 09/25/06 10:13 PM
Paying additional principal toward your mortgage, or even getting a bi-weekly mortgage program, could be detrimental to your financial health?
That’s right. In most cases, instead of paying extra principal, there may be a better way to pay that mortgage off and experience financial freedom faster. “The truth is, you may … (0 comments)
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