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30 Year Mortgages Aren't Always Best

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How to pay off a 30 year home mortgage in 5-7 years

SUMMARY:
In the above video I reveal a powerful strategy that is practically available to all, but is known and fully understood by a very few. If one takes the time to learn and implement this method of eliminating debt, one may find themselves pleasantly surprised of how quickly their home mortgage, auto loans, student loans or business loans can be completely paid off.

In the video I will demonstrate how a banking strategy can be used to pay off a 30 year home mortgage in just 5-7 years without sending double payments to the bank or changing one’s current level of income.

RECAP OF THE VIDEO:
I start off by creating a scenario of a financial situation by taking an average household net income in the United States combined with some of the basic monthly expenses: home mortgage, minimum payment on a credit card, car payment and living expenses which include groceries, utilities, gym membership…

Once all expenses are identified and subtracted from the net monthly income it is important to understand the impact of cash flow, the difference between a loan and a line of credit, how the interest of a loan and a line of credit is calculated, and how monthly payments on a mortgage are dispersed between interest and principal paydown. To help demonstrate these differences I create tables and an amortization graph. As I go on to unveil the main differences I also identify the biggest reason why nowadays most homeowners are unable to payoff their home mortgages due to the unstrategic use of home refinancing.

By this point having had identified the difference between a loan and a line of credit I can reveal the benefits of utilizing a line of credit to pay off a home mortgage in 5-7 years. This is where I get into the banking strategy which incorporates an unaccustomed method of moving one’s entire monthly paycheck into a line of credit instead of the accustomed checkings and savings accounts. By adopting this method one can leverage a line of credit to free up cash flow, gain cash back rewards, build credit history and improve credit score, but the greatest leverage created is the thousands if not hundreds of thousands of dollars in interest savings.

KARL'S MORTGAGE CALCULATOR APP:


Android version:

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► Financial Literacy & Real Estate Investing Course - Please email me at Laura@epcinvestments.com for more information.

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DISCLAIMER: I (Laura Pitkute) am not a financial advisor, real estate broker, a licensed mortgage broker, not a certified financial planner, not a licensed attorney, and not a certified public accountant, therefore please consult with a competent professional prior to engaging in any financial strategies. Not everyone will experience 100% success rate by using this strategy as it requires a commitment to keep applying this strategy over time until the desired result is achieved. I (Laura Pitkute) do not promise or guarantee any specific outcomes and/or results from the use of this strategy.

Are Japanese Homes Really Worthless After 30 Years?

Have you ever heard that Japan's houses only last 30 years? Is it because of earthquakes, Japan's love of new, clean things, termites, humidity, population decline, or bad construction materials?

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Music by Epidemic Sound
♪ Globetrotter 2 - Johannes Bornlöf
♪ Toad In A Hole 3 - Martin Landh
♪ Minor Indiscretions 3 - Gavin Luke
♪ Serene 3 - Johannes Bornlöf
♪ Incidental Encounter 3 - Gavin Luke
♪ Serene 2 - Johannes Bornlöf
♪ People Falling Down 4 - Gavin Luke
♪ Revelations Of A New Man 3 - Gavin Luke

Sources
🛈 30 year building shelf life -
🛈 Great Kanto Earthquake -
🛈 Earthquake building codes -
🛈 Lifespan of homes -
🛈 Secondary market for home sales -
🛈 Japan Real Estate Institute Website -
🛈 Inflation-Adjusted Japanese Land Prices -
🛈 Vacancy in Tokyo - and and
🛈 Vacant and abandoned homes in Japan -
🛈 Types of homes that are abandoned
🛈 Vacancy rate in the 23 wards of Tokyo -
🛈 Japanese population graph - By Demmo - This diagram was created with gnuplot., Public Domain,
🛈 Japanese low birth rate -
🛈 Japanese immigration -
🛈 Tokyo Population
🛈 Tokyo and Japan population declining
🛈 Life expectancy -
🛈 US Housing Vacancies -
🛈 Montreal c1900 By Jackson, William Henry -
🛈 Earthquake Brick House - By Nabin K. Sapkota - Own work, CC BY-SA 4.0,
🛈 Tokyo Firebombing -

🛈 Great Hanshin Earthquake - By Masahiko OHKUBO from Kobe, Japan - #19950117 Great Hanshin-Awaji Earthquake (HD), CC BY 2.0,
🛈 Termites / White Ants -

🛈 Abandoned Home Japan - By VoyagerMU, CC BY-SA 3.0,
🛈 Housing Units Vacancy in first quarter 2017 in the United States -
🛈 Map of Japan and popular cities - By Antonioga - Own work adding cities on this map., CC0,
🛈 Prefecture of Tokyo - By T.Kambayashi, OpenStreetMap [3] - OpenStreetMap [1],Ministry of the Environment Government of Japan[2],, CC BY-SA 3.0,
🛈 Supply and Demand Graph - By SilverStar at English Wikipedia, CC BY 2.5,
🛈 Supply and Demand Graph (More Supply) - CC BY 2.5,
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10 Financial Goals To Conquer in Your 30s

Today we are talking about setting goals. I am a certified ‘goal getter’. 😀

I am all about setting goals, reviewing those goals, and most importantly achieving those goals. 🍾

I wasn’t always like this.

There was a time where I would do my New Year’s resolutions and set goals, but I usually didn’t review them until the next year.

It wasn’t until I joined a business coaching program that emphasized the importance of setting and reviewing goals more than once a year.

Now, it is no surprise that most rich people are reviewing their goals and making goals.

Author Thomas Corley, Rich Habits, found that 62% of all rich people not just set goals but they review them every single day.

When is the last time you reviewed your goals? 🤔

If it wasn’t today or yesterday then chances are you are not on that path to building financial freedom.

I know it can be hard to believe that you can become rich. We are conditioned to believe that we are stuck where we are now.

I want to challenge you that you are not Stuck! You don’t have to be poor the rest of your life. You can achieve wealth, you can achieve freedom. It all starts with setting goals and working towards achieving them. 😀

Today I am going to give you my top 10 financial goals that you can start working on today.

➡️ 1. Have plenty of cash on hand [2:23] - We want to work towards $1,000.

➡️ 2. Have a debt reality check and a debt payoff plan [4:10] - You may think it is impossible to become debt free. It’s not, but you have to have a reasonable payoff plan.

➡️ 3. Plan an early retirement [5:21] - You have to decide when you want to retire, and then determine how much you need to save. Then, you have to start investing.

➡️ 4. Seek out mentors to help with your wealth building goals [7:34] - Whatever lifestyle you want to achieve, who do you know that has the level of success that you would like to emulate.

➡️ 5. Get your insurance in check [8:25] - Make sure you have the right kind of insurance to save you from financial catastrophes. This could include life insurance, auto insurance, homeowners insurance, etc.

➡️6. Build Multiple Streams of Income [9:41] - This is not something that happens overnight. You have to put in the work and build a business that allows for these multiple streams of income.

➡️ 7. Finding Content with what you have [12:53] - You have to learn to live on less. Be happy with what you have and don’t feel like you need to constantly buy the newest biggest things out there.

➡️ 8. Give Back [14:39] - Giving back could include donating money, time, or knowledge. You can help others achieve success.

➡️ 9. Get your financial house in order [15:32] - Do you have a will? Do your loved ones have access to your accounts? Make sure all of this is in order.

➡️ 10. Do the work you love [16:18] - Have an understanding of what brings you joy. Then start working towards doing the work that you love.

Those are my top 10 wealth building goals. If you are 20-30 years old and you don’t know where to start...I’ve just given you 10 goals to start on right now. 😀

Maybe you already are working on some of these goals? If so, let me know where you are in your process. What have you achieved? What are you struggling with? 🤔

Let us know in the comments so we can help you achieve them.

★☆★ Want More Good Financial Cents? ★☆★

💻 Check out my blog here:

Listen to my podcast here:

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Pick up my best selling book, Soldier of Finance, here:

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Connect with me on Twitter:



My most favorite inspiration T-shirt line, Compete Every Day:

👕

How to Pay Off your Mortgage in 5 Years

THIS IS OUR OLD VERSION...WATCH THE NEW VERSION HERE:

Check out the SEQUEL Video on how to use this strategy to CREATE Passive Income:

SUBSCRIBE for more helpful real estate related videos!

Ever wonder how you may be able to pay off your #mortgage within 5-7 years (depending on your situation) without adding a single penny to your payment and not #refinancing? Sam Kwak is going to show you a strategy in how you can use a different method/instrument to pay off your mortgage quicker! This strategy is called the Debt Free Acceleration Strategy. This strategy has many other names such as Velocity Banking, Mortgage Acceleration, Accelerated Debt Reduction, HELOC Strategy, and more!

We first need to understand how mortgages work. In this strategy, we are using a Home Equity Line of Credit (HELOC) as a leverage to pay off the mortgage quicker and still maintaining our income and expenses as how they are. You can also use other instruments such as Business Line of Credit, Personal Line of Credit, or Credit Cards for the purpose of this strategy. The beautiful thing about this strategy is that it allows us to take an inefficient debt and convert it over to a much efficient debt.

The emphasis on this strategy is mainly on cash flow and principal balance reduction. The adage strategy of taking your hard earned money you earn and paying extra toward the principle is an old school strategy. While it works, the Debt Free Accelerator Strategy is a much more efficient way of paying off an amortized debt. This strategy will also work on Student loans, car loans, personal loans and so forth! Don't let the banks trick you with their amortized products!!!

WATCH THE NEW VERSION HERE:
Be sure to subscribe to our YouTube channel for more Real Estate Investing tips and tricks!

FOLLOW US
@thekwakbrothers

#heloc #mortgagepayoff #helocstrategy

DISCLAIMER: Sam Kwak is not a licensed mortgage broker, not real estate agent, not a Certified Financial Planner, not a licensed attorney, and not a Certified Public Accountant. Viewers will consult with their professionals prior to engaging in any financial strategies. Not everyone will experience 100% success rate with using this strategy. This strategy does require equity, a good standing with your current mortgage and the patience to use the strategy. The result of paying off your mortgage within 5-7 years is atypical but it represents a likely possible outcome for individuals who use this strategy. We (Novo Elite and DBA The Kwak Brothers) does not warrant a promise or a guarantee any specific outcomes and/or results from the use of this strategy.
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How I retired at 36, and spent 20 years sailing (FIRE, Minimalism, and when "Enough" is Enough)

I retired young to live a life of travel and adventure. I thought people looking into early retirement or f.i.r.e (financial independence retire early) might like to hear from someone who has been living this way for 30 years.

Since this question gets asked a lot in the comments: I drive a 2001 Mercedes s500 (w220), the last really great model made. Emily drives a 1985.5 Porsche 944, which is currently for sale since we are about to leave the country for a long voyage.

FOLLOW-UP VIDEO:


SURVEY
if you are interested in organizing or joining an Enough is Enough community in your area, please fill out this form so we can keep you notified:

Many people have already signed up, and we are keeping a map and updating it regularly (with first names and cities only), here. Fill out the survey to be added to the map:

#enoughisenough #minimalism #earlyretirement

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PLEASE SUBSCRIBE!

Follow Emily & Clark's Tiny Adventure blog:
svtemptress.com
Facebook and Instagram: @emilyandclark
Patreon:
PayPal:

2019 Best Action Films - Newest Films Hd

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The Automatic Millionaire - Full Audiobook (2x speed + Alpha - Gamma Binaural Beats)

You don’t need a budget
You don’t need willpower
You don’t need to make a lot of money
You don’t need to be that interested in money
You can set up the plan in an hour

David Bach gives you a totally realistic system, based on timeless principles, with everything you need to know, including phone numbers and websites, so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home.

This one little book has the power to secure your financial future. Do it once--the rest is automatic!

The Workbook is available:

1:56 Session One: Meeting the Automatic Millionaire
01 A system that works while you sleep
02 Living the American Dream
03 About David Bach
04 Grandma Bach's Advice
05 Six powerful questions
06 What you will learn in the Automatic Millionaire
07 What you will love about this program
08 A powerful meeting of how the Automatic Millionaire Came to be
09 First action steps

29:39 Session Two: The Latte Factor: Becoming an Automatic Millionaire on Just a Few Dollars a Day
01 Breaking the myth of budgets
02 You cannot think your way to wealth
03 How the Latte Factor came to be
04 What's your Latte Factor
05 The Latte Factor math
06 A story about applying the Latte Factor
07 How this money adds up
08 Session two action steps

46:31 Session Three: Learn to Pay Yourself First
01 Why not pay yourself first
02 How the system is set up against you
03 A thought to consider
04 Six routes to wealth
05 The formula for paying yourself first
06 How David applied this formula
07 A challenge
08 Session three action steps

58:55 Session Four: Now Make It Automatic
01 The core principle of this program
02 Another example from Jim and Sue McIntyre
03 Establishing a 401(k) plan
04 A life-changing example
05 Reasons people don't establish a retirement account
06 Making paying yourself first automatic
07 A story that illustrates the power of paying yourself first
08 IRA's--what they are and aren't
09 The Roth IRA
10 The SEP IRA
11 The investment pyramid
12 Session four action steps

1:28:10 Session Five: Automate for a Rainy Day
01 Having an emergency basket of cash
02 When the going gets tough, cash is king
03 How much to put in your emergency basket
04 Where you shouldn't put this money
05 Shopping for a good interest rate
06 Money market accounts and brokerage firms
07 Inflation bonds and Patriot bonds
08 Dealing with debt
09 Session five action steps

1:42:45 Session Six: Automatic Debt-Free Home-ownership
01 A critical message
02 The six reasons a home makes a great investment
03 Dealing with real estate bubbles
04 Getting the down payment
05 Advice if you're a renter
06 How much home can you afford
07 Financing
08 Different types of loan products
09 The 30-year mortgage -- pros and cons
10 Debt-free home ownership made easy
11 Session six action steps

2:13:13 Session Seven: The Automatic Debt-Free Lifestyle
01 A Plan to Tackle Credit Card Debt
02 Getting into credit card debt
03 Operation No More Debt -- Step One
04 Renegotiating your interest rate
05 Consolidating your debt
06 DOLP - Dead On Last Payment
07 Determining your credit score
08 Debt Counseling
09 Making your debt payments automatic
10 Auto purchasing, financing, and leasing
11 Session seven action steps

2:30:31 Session Eight: Make a Difference with Automatic Tithing
01 A quote from Winston Churchill
02 An interesting thing about tithing\
03 There's more to life than money
04 Determining a percentage to tithe
05 Making your tithing automatic--steps 1-3
06 Making your tithing automatic--steps 4 and 5
07 Session seven action steps
08 Come out and play

2:46:21 Session Nine: The Finish Rich File Folder System

The Binaural Beats with this audiobook are Alpha Based
at 10.5 hz travelling to 40hz Gamma (genius frequency)
back to Alpha then Gamma once more.

Sincerely Hope You Enjoy!

How to Get Rich Quick in 2019 [3 Short-term Investments]

You can get rich in 2019 and I’m revealing three lottery-ticket investments that can make it happen. These aren’t guaranteed but if just one pays off, it could mean millions in less than a year.

We usually talk about long-term investing here on the channel but that doesn’t mean I don’t like to make some big bets to become rich fast. By investing just a small part of my portfolio in these three jackpot investments, I get the potential to double my money every couple of years.

I’ve been investing on Lending Club for three years and book double-digit returns on p2p investing. Get started and protect your money from a crash in stocks,

Invest more of your money in these investments and you can become wealthy much faster, like in a year or less.

In this video, I’ll share these three easy ways to get rich. I show you how to get started, why these investments could make you millions and the risks involved in each. I’ll then share the three secrets to getting rich on any strategy, rich people principles that will make you wealthy.

Investing in the Next Big Thing: How to Invest in Startups – Learn the step-by-step process I used working for venture capital firms to find startup investments and make triple-digit returns with this book.

Step by Step Dividend Investing – Get paid to invest! How to find income investments for fast cash flow and create passive income with dividends, REITs and MLPs with this book.

I want to stress that I’m not saying you should have all your money in these get rich investments. That’s not how I do it and I don’t think you should either. What I’m saying is invest a part of your money in each of these and you will make money fast without losing all your portfolio in one investment.

You see, knowing how to become rich also means understanding how to spread your risk around and not lose money. That’s why I’m sharing three ways to get rich instead of just my favorite investment (hint: it’s the first one in the list).

I’ve added an index to the video and those three easy ways to get rich but watch the entire video because there is a lot of information on how to invest, the risks in each and the secrets to getting rich and staying that way.

1:42 How to Get Rich in Leveraged Investments
2:00 How to Become Rich with Futures Trading
5:39 How to Become Wealthy with Options Investing
10:57 How to Get Rich in Bitcoin (how to value Bitcoin)
14:08 3 Secrets to Getting Rich on Any Strategy

SUBSCRIBE to create the financial future you deserve with videos on beating debt, making more money and making your money work for you.

YouTube Community Exclusive: 55% Off my Goals-Based Investing Strategy Course! Huge shift from traditional returns-based strategy of chasing stocks to a strategy designed around your goals – Coupon Code: COMMUNITY


Don’t invest another dime until you read this free special report - the 10 Lies Wall Street Tells Investors


Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.

Weekly Webcast #56: Office Hours with Chris Haroun (Please see description for links to questions.)

2:21
What your experience regarding investing in companies listed in different exchanges?

12:43
Do you think it's possible to build a large company ethicaly?

18:40
How would markets change if there was only 1 currency?

23:44
What are stop loss limits, how do you define them, how do you use them?

28:24
Do you think the quantified self-movement is a fad, trend, or do you think the lifestyle is worth the effort in the long run?

31:09
How much do you think one should save for retirement to live a comfortable life?

35:35
America is one of the most litigious countries in the world? why do you think that is? Culture thing?

40:24
What do you think about the European Central Bank negative interest rates politic? What will be the long turn consequences of this?

46:30
How did you start your own hedge fund? What are the technical requirements to start one?

55:50
Why don't you think colleges and universities teach the practicalities of owning your own business (regarding and MBA).

59:05
Sallie Mae and the student loan crisis.

1:01:48
Does craving attention make one less creative?

1:06:56
What's your advice for helping me find my YouTube voice?

1:08:52
What are the considering factors if our organization wants to increase revenue by 25 percent annually?

1:13:26
How do you develop a strong and reliable financial performance?

1:20:01
How do you know if you are fearful or if you're not passionate about it?

1:23:17
How do you know the difference between passion and fear?

1:24:02
What courses, degrees, books, and/or certifications do you suggest for someone who wants to be a trader?

1:28:45
How to pitch correct price to clients when services offered are flexible in terms and changes with countries and currencies!

1:30:02
If you have $100 Billion which world problem will you solve and how?

1:35:18
What Were Your Greatest Failures and What Did They Teach You?

1:40:10
Thoughts on the WeWork IPO?

1:42:36
Any opportunity to be a teaching assistant with the new MBA Degree Program?

1:43:32
Do you think it's a good idea to start a business during a recession?

1:50:20
What do we do in the Indian economy when it is slowing down and how do we start a startup?

1:53:14
How do you achieve consistency?

1:59:16
I'm having a bad experience with a company I outsourced one of my projects to, any advice?

2:08:48
What 5 qualities do you look for when hiring someone?

2:12:45
​Is Finance glorified? How to know you want to get into finance as a passion or for the money?

2:16:24
Thoughts on Gold?

2:20:44
Why did you choose to switch from Accenture to Goldman Sachs?

2:25:34
Any suggestions for how to better control your expenses?

2:30:05
​Did you get into Goldman Sachs before or after MBA?

2:33:03
How do you handle a manager who is a bully?

2:35:52
As a former wall street person, did you ever use calculus in your job? Is it ever used?

2:36:54
Are we close to a recession?

2:42:32
How do I convince my parents to let me move to a big city?

2:47:48
How is enterprise software sales representative job? Does it pay well?

2:50:59
What are your thoughts on qualities which make a Sales Person a great Sales Person!

2:56:45
How do I apply for another job outside my industry (precious metals) without my current company finding out? All my references would-be coworkers, or from companies I still work with.

3:00:05
What is the best recommendation for driving awareness of what your business does in the very beginning stages?

3:03:23
Does Yahoo finance provide the best and most reliable data for financial modeling?

3:06:52
​Are there jobs in investment banking in the Bay Area; compared to New York?

3:08:09
​How should we market your Udemy course certificate of MBA and other business courses?

3:14:28
Regarding Learning to say NO how can I apply that to the closest of your people especially your loved ones?

3:24:29
How do you deal with being scared of potential criticism and not taking it personally?

3:28:16
Is it possible for someone like me outside USA invest in US companies and business interested even though I don't wish to live in the States?

3:30:26
When you start investing in stocks, is it better to do it as a private person, or as a company?

3:34:26
Does the diversification depend on the amount of money you are going to invest?

3:39:47
Will you make any more content about cryptocurrencies?

3:41:19
Why Mac and not a Win PC?

3:43:47
How to better sell products and services as a middle man?

3:50:44
Aren't pills harmful to liver?

3:59:16
What is a typical Harvard or Stanford MBA graduate good at?

4:00:59
Is it worth becoming a day trader and then after some time become long term investor?

4:04:01
What are your thoughts on Trudeau's brownface and all the hoopla?

4:11:07
I haven't been able to secure funding for my startup, should I give up?

4:20:01
What is your advice on networking as a woman?

4:20:43
How do you define long term trading?

4:23:52
Do you think there is more room for on-demand type companies?

Беслан. Помни / Beslan. Remember (english & español subs)

Всем привет. Мы - в Северной Осетии, небольшой республике на самом юге России.

15 лет назад здесь случился самый страшный теракт в нашей истории. 1 сентября прямо во время праздничной линейки террористы захватили школу №1 города Беслан. В заложниках оказалось более 1000 человек, три дня их удерживали без еды и воды в душном, тесном и обвешанном взрывчаткой спортзале.

Когда случился штурм, большая часть заложников была освобождена, но 334 человека погибли, 186 из них - дети.

Про Беслан снято много видео, но это совсем не причина не вспоминать про эту трагедию вновь.

Когда изучаешь обстоятельства этого теракта, хочется кричать и плакать - от ужаса, злобы, сочувствия и боли. В этом выпуске мы покажем людей, которые продолжают жить нормальной жизнью, как бы сильно по ним этот теракт ни ударил. Мы покажем, что Беслан - это не только кошмар 2004 года, но и очень сильные люди, которые уже полтора десятилетия ведут героическую борьбу за свое здоровье и счастье.

Ну и вообще - чем чаще и громче напоминать про Беслан, тем лучше. Вот наша логика:
- когда-то государство допустило ошибки, которые привели к беде;
- теперь государство должно окружить максимальной заботой всех, кто пострадал.

И только через эту заботу оно может заслужить прощение, а после - и доверие людей.

Делает ли государство все, чтобы его простили?

Делает ли государство все, чтобы ему доверяли?

Или кто-то очень стесняется этой темы и делает все, чтобы никогда и никак ее не касаться?

Все это мы и хотели узнать. Все что узнали - рассказываем вам.

НАШИ ГЕРОИ:
Марина Дучко
Номер карты: 4276 6000 1871 0927
Получатель: Марина Сергеевна Д.
Купить у Марины фиалки -

Фатима Дзгоева
Для рублевых переводов
Получатель - Дзгоева Фатима Аликовна
Счет получателя - 4081 7810 5603 4254 4141
Банк получателя - Ставропольское отделение №5230 ПАО Сбербанк
ИНН банка получателя - 770 708 38 93
БИК банка получателя - 0407 02 615
Корреспондентский счет - 3010 1810 9070 2000 0615
Код подразделения банка по месту ведения счета карты - 528 632 015
Адрес подразделения банка по месту ведения счета карты - г. Беслан, ул. Дзарахохова, 23

Для валютных переводов
Получатель - Dzgoyeva Fatima Alikovna
Счет получателя - 4081 7810 5603 4254 4141
Наименование банка получателя и адрес - Sberbank (Yugo-Zapadny Head Office) Stavropol Russia Federation
SWIFT-код - SABRRUMMSP1
Код подразделения банка по месту ведения счета карты - 528 632 015

Стас Бокоев
Клип Lova
Творческое объединение reLove

Диана Муртазова


НЕ ПЕРЕВОДИТЕ ДЕНЬГИ на счета и карточки, которые вы увидите в комментариях или где-то еще. Настоящие реквизиты - здесь, в описании. Остальное - с большой долей вероятности, мошенники. Спасибо.
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How to Manage Debt



For thousands of years, people have borrowed money to buy things. It's how the banking business started. Debt is not necessarily bad, but if you're not reducing debt faster than you're accumulating it, then debt can be a disaster to your financial health. Here's a question: how much is too much debt for you? Banks evaluate your creditworthiness by calculating your total debt-to-income ratio. 36% is acceptable. Over 40% is a red flag for potential danger. Under 30% is where you want to be. Do your own calculations to see if you are debt-heavy. Here are some warning signs of carrying too much debt: you spend more than you earn each month; you skip payments on some bills in order to pay others; you make the minimum payments on your credit cards; you're maxed out on your credit card limits; you're receiving late payment notices. If you think you have too much debt, you probably do. Let's talk about a plan to better manage and minimize your debts. First, create a realistic budget and follow it. Only 39% of American set a monthly budget and stick to it. That's probably why the majority of Americans spent more than they earned last year. Have a debt reduction plan. It's smart to pay down the debts with the highest interest rate. Some people prefer to pay off their smallest debts first. Do whatever works for you, as long as you're constantly reducing what you owe. Adjust your lifestyle. Sometimes the single best strategy is to live more simply. Drive a less expensive car. Sell your house and get a smaller mortgage. Find ways to cut back, spend less, and save more. Earn more money. Look into your options for a higher-paying job, or get a second part-time job to increase your monthly income. Start saving. Make saving part of your monthly budget. It takes commitment and discipline, but most money-smart people save at least 15% of their income every month. Talk directly with your creditors. Many will work out a revised payment schedule. If they know you're committed to paying off your obligation, they sometimes reduce their fees, or won't report you to a credit bureau. Debt is not the problem - being responsible about it is. Minimizing your debt and managing your cash flow is crucial to your financial health. You can't get ahead if you're falling behind, and you want to get ahead.

Realty Glimpse LIVE - insurance

Tim Gassner is the manager of Western Financial Group in Grande Prairie. If you want to talk residential insurance, this is the guy! He and Celesté Joubert answer questions on Property Insurance and Mortgage Insurance. Get answers to your questions as it relates to buying and owning a home. When you buy a home, you need home insurance. If you need insurance, you need to watch this! (See also market place link below)

1:14 What is property Insurance?
2:01 Does an insurance company look at the history of a property before they insure it?
2:53 How does getting insurance from an insurance broker differ from getting insurance from a bank?
3:44 Do insurance companies [that the broker represents] specialize in different types of properties?
4:43 In addition to security systems, are there things that might qualify the customer for a break on their insurance costs?
5:35 Is the insurance company asking about the existing safety features (i.e., an automatic water shut-off valve vs. a manual shut-off valve) that may exist in the home that may qualify the customer for less expensive insurance (as the customer may not know what things to look for)?
6:29 There are two different kinds of insurance rates, what are they?
7:37 Having the property evaluated can lesson the cost of insurance, how do I evaluate the property?
9:27 Is the cheapest insurance the best insurance to get?
11:15 Are there specific things that you think customers should be getting covered that they commonly aren’t getting covered?
11:50 What is Cyber coverage?
12:40 What is another coverage that might be important to the customer that they may not think about?
14:44 When it comes to insuring specifics (such as the sewer line), are insurance companies looking deeper at what neighbourhoods might be more susceptible to problems (e.g., in the case of a sewer line, the material that the sewer line is made of could be paper, clay, varying plastics and metals)?
15:54 Does the insurance company ever request to see a copy of inspections, such as a sewer line inspection, or a property inspection?
16:40 Are there other things I can have in my house that is going to save me on insurance (e.g., a sump pump, or maybe not having a sump pump and having the line drain directly into the city sewer system)?
Talking Points
16:57 Sump pump battery back up, a second sump pump
17:06 Potential Rebates for different preventative measures such as back flow preventer valves
17:30 Three different kinds of discounts for Security Systems - Burglary, Fire, Water (temperature sensing)
18:06 Do insurance companies look at different home types differently – e.g., manufactured homes vs. houses?
19:40 Can a holiday make a property be considered “vacant” by an insurance company (and risk coverage or make it subject to a higher premium)?
19:45 Different property statuses, “Vacant”, “Unoccupied”, “Occupied”, “Away”
20:22 If you are away for 24 hours, do you risk not having coverage if something happens? (Importance of draining water out of pipes)
21:16 Is a house insured when the power is off (risk of sump pumps not working, heating etc.)
22:31 What can be particularly hard to insure (wood heating can change a premium from “regular” + add 25%)
Mortgage Insurance
23:39 What is Mortgage Insurance?
24:58 What is the difference between what the bank offers for mortgage insurance and what you can get from an insurance broker, like Western Financial Group?
26:20 What is Post Claim
28:00 How does the insurance rate you pay the insurance broker compare to what the bank is offering?
28:52 A big disadvantage to bank insurances that only cover for a term (e.g., 5 years) and then asks the same questions again, as opposed to the full amortization period (e.g., 25 years).
Link referred to by Celesté


31:31 How often should you be updating your property insurance?
33:34 Could you insure your house for $350,000 today, and then find out during a boom that the insurance you purchased won’t cover the replacement costs due to the more expensive trades or products? #inflation
34:11 How does an insurance company factor in the decreasing value of items such as shingles, hot water tanks, furnaces etc..?
35:56 Does replacement value include contents as well, for example, will the insurance company say your sofa is 10 years old, so we will give you $200 for it?
36:30 Does it need to be written into the policy that contents are covered at full replacement costs?
37:10 When making a claim, do you need bring receipts in that show what you paid?
38:11 Do you have to pay for the items first, and then be reimbursed by the insurance company (for contents)?
39:23 At what point should a buyer consider having a condition in their purchase agreement that the purchase is subject to finding insurance – when might someone risk not finding insurance?

#yqu #gpab
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How to Avoid the Mistake Millions of Americans Make | Live Abundant

Learn how the Live Abundant Strategies can work for you: -
Would you rather have two horses working for you or one? This example may seem obvious, but when it comes to real estate and equity, somehow everyone can't see it so clearly. Many people—and even financial experts—think one of the best ways to become financially secure is to invest in real estate and pay off the mortgage as quickly as possible. But just because it's common wisdom doesn't mean it's wise at all.

Doug Andrew and Live Abundant will empower you to live a more abundant life by replacing your old, outdated retirement philosophy with a predictable and abundant retirement lifestyle. We are committed to assisting you in optimizing your assets and redefining your retirement.

We do this through a unique and transformational three-step process that optimizes Authentic Wealth for you and your family, ultimately creating generational wealth.

Doug Andrew established his financial practice in 1974, and it has grown to serve clients in 47 of 50 states.

Below is a link that will give you access to our free Tax-Free Retirement Kit (a $97 value). The kit includes a 27-page report and audio download that gives you access to a little known retirement strategy used by the wealthy that can potentially make your retirement years the most comfortable and secure years you've ever experienced. It also includes a bonus 39-minute audio called Three Dimensions of Authentic Wealth, which talks about how wealth and retirement is more than just the money.

Link:

Visit or call (888) 987-5665 for more information.



Doug is also a New-York Times Best Seller with his Missed Fortunes Series:
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Last Chance Millionaire
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2 Hours of BEAST MODE Eric Thomas MOTIVATION!

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✎ Grab a snack and chew on today's lessons from a man who went from a high school drop out, living homeless and eating out of trash cans, to overcoming all of life's hardships and improving the lives of millions of people as one of the world's best motivational speaker! He's Eric Thomas and here's my take on his Top 50 Rules for Success!

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WINNERS MINDSET - Best Motivational Video

HOW TO BECOME SUCCESSFUL IN LIFE?
“WINNERS DON’T MAKE EXCUSES” - HARVEY SPECTER QUOTES
►Motivational Alarm Clocks


I made this video because a lot of people make excuses and they not pursue their dreams.
We can always find a reason not to pursue our dreams, not to take action, not to stick our neck out. Our reasons seem perfectly well reasonable. We can always justify why we can’t do something – especially to ourselves.
Living a life of excuses can have very serious and lasting consequences. Not only will excuses prevent you from reaching your full potential, but people around you will also hold you back from recognizing opportunities, talents and skills you might have, to help you overcome your problems.
If you don’t challenge yourself to reach new levels, you will never really know what you’re capable of. New opportunities lie hidden around every corner, however you will never find them if you riddle your mind with constantly finding reasons to make excuses.
If you think this video can help someone, please SHARE it.
I just hope this video will be helpful for somebody. Thank you!
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Doctor vs Plumber: Which person is WEALTHIER at Age 42

Here’s the surprising difference between two career paths which end up oddly similar in wealth, despite two widely different routes - a doctor and a plumber. Enjoy! Snapchat / Instagram: GPStephan

You have two people starting out at 18 years old. One decides to be a plumber, one decides to be a doctor. Who will have a higher net worth, all things considered?

Now to do this, for congruency, I’m considering that both professions end up saving 50% of their paycheck and invest it at an 8% return. I’m also considering that each salary increases over time with experience and inflation.

Let’s consider the plumber first. The plumber starts working at 18 years old at $12 per hour as an apprentice. Because the plumber never went to college, the plumber has zero student debt and can get right to making money and investing. We can also assume a 50 hour work week, meaning at the beginning, the plumber is likely pulling in about $2400 per month before taxes, $2000 per month after taxes, and can invest $1000 per month.

After 4 years, we’ll assume the plumber is now making $5,000 per month before taxes, $4000 after taxes, and can invest $2000 per month. After 10 years, we’ll assume the plumber is making $100,000 per year before taxes as an experienced full time plumber, $70,000 after taxes, and can save $3000 per month

At the age of 22, our plumber should be worth nearly $60,000 - investing $12,000 per year for 4 years.
At the age of 28, our plumber should be worth nearly $290,000 - this is the base $60,000 + $2000 per month, 8% interest, over an additional 6 more years.
At the age of 50, our plumber should be worth almost $3,800,000 - his base amount of $290,000 + $3000 per month invested over 22 years at the same 8% return.
So our 18-year old plumber became a 50-year-old with $3,800,000 net worth.

Let’s compare this to our doctor. The big thing here is that the doctor starts investing and earning later much later in life.

We’re going to assume 4 years of undergraduate education at $20,000 per year and that any income goes towards paying down debts before investing. After 4 years of undergraduate college, our doctor will be negative -$80,000 in education costs. After those 4 years, the doctor will be up against 4 additional years of medical school - let’s assume this is $50,000 per year. At the end of undergraduate and medical school, our doctor will be about $280,000 in debt - without earning or investing a single dime. I’m leaving out cost of living and interest just out of simplicity.

After 8 years of school, the doctor will then do 3-5 years of residency - so let’s assume 4 years, at a $60,000 per year salary. Remember, half of this goes to pay down debt. The doctor is now 30 years old. From 4 years of a $60,000 salary, $50,000 after taxes, the doctor has paid off $100,000 of the student loan, bringing the total debt down to -$180,000.

But after residency, the doctor begins to make significantly more…at the age of 31. Remember our plumber is making $100,000 before taxes….but our doctor starts out making $320,000 before taxes. After taxes, this should be about $250,000 - half of that pays off a student down. The doctor will have paid off the student loans by the age of 32 with $75,000 in investments and net worth. By the age of 40, assuming the doctor is still making $320,000 per year and investing half, the doctor will have a net worth of $1,575,000.

Now lets say the doctor gets a pay raise to $450,000 per year at the age of 40, or $350,000 after taxes - and again invests half of that. By the age of 50 years old, the doctor is worth over $6.1 million dollars, or $2.3 million dollars more than the plumber.

The break even point where the doctor and plumber have the same net worth, in this above calculation, is about 42 years old. That means when both our plumber and doctor are 42, they will be work exactly the same, even though they took dramatically different paths.

The purpose of this is to illustrate that the prestige of a career has less of an impact on how much you’re worth and it’s more about saving and investing early on that are going to make the biggest differences. It doesn’t matter what you do, you still have the potential to become wealthy and financially independent later on in life.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

Suggested reading:
The Millionaire Real Estate Agent:
Your money or your life:
The Millionaire Real Estate Investor:
How to Win Friends and Influence People:
Think and grow rich:
Awaken the giant within:
The Book on Rental Property Investing:

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How Voice AI Will Impact Business Decisions in 2020 | Financial Brand Forum Keynote 2019

Today's episode is a brand new keynote Gary did at the 2019 Financial Brand Forum in Vegas on April 15th. He was really on his game for this hour and talked a lot about putting the past on a pedestal, how technological advances are making brand more important than ever, speed and more. Tweet him @garyvee ;)

1:30 - 5:41 | Using Regulation as an Excuse to not Innovate is not a Sustainable Strategy
5:42 - 15:55 | Context of Gary’s Life/Background
16:00 - 25:52 | The problem with putting the past on a pedestal  
26:04 - 28:20 | Consumer’s Attention Is Clear
28:30 - 31:00 | Wish the Shopping App Makes $6-$12 Billion Dollar on Facebook Ads
31:02 - 31:25 | ROI of a Basketball for LeBron James
32:00 - 33:25 | Value of Podcast Pre-Roll Ads
33:45 - 35:25 | D-Wade Commercial and Why it Succeeded
35:30 - 39:39 | LinkedIn Content Strategy
39:40 - 42:00 | If You Are Buying Banner Ads Leave Now
42:05 - 43:50 | Toys R Us was Thrilled Before They Were Going Bankrupt
44:00 - 45:20 | Google AdWords and YouTube Pre-Roll Is Incredible
49:24 - 50:09 | Why Gary hates the Patriots
53:58 - 55:50 | Why Voice AI Will Be Dominant

Thank you for watching this video. I hope that you keep up with the daily videos I post on the channel, subscribe, and share your learnings with those that need to hear it. Your comments are my oxygen, so please take a second and say ‘Hey’ ;).

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Gary Vaynerchuk is the chairman of VaynerX, a modern-day media and communications holding company and the active CEO of VaynerMedia, a full-service advertising agency servicing Fortune 100 clients across the company’s 4 locations.

In addition to VaynerMedia, VaynerX also includes Gallery Media Group, which houses women’s lifestyle brand PureWow and men's lifestyle brand ONE37pm. In addition to running VaynerMedia, Gary also serves as a partner in the athlete representation agency VaynerSports, cannabis-focused branding and marketing agency Green Street and restaurant reservations app Resy.

Gary is a board/advisory member of Ad Council and Pencils of Promise, and is a longtime Well Member of Charity:Water.

Gary is a highly sought after public speaker, a 5-time New York Times bestselling author, as well as a prolific angel investor with early investments in companies such as Facebook, Twitter, Tumblr, Venmo, and Uber.

Gary is currently the subject of DailyVee, an online documentary series highlighting what it’s like to be a CEO and public figure in today’s digital world, as well the host of The GaryVee Audio Experience, a top 100 global podcast, and host of #AskGaryVee, a business and advice Q&A show which can be found on both YouTube and Facebook.

Gary also appeared as judge in Apple’s first original series “Planet of the Apps” alongside Gwyneth Paltrow, Jessica Alba and Will.i.am.

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How To Get Started Investing In Your 30s

Today we're talking about the challenges facing anyone who is a late starter and is getting started investing in their 30s. Check out the full article here:

Getting started investing in your 30s is more challenging because the late start requires more saving to achieve the same goals as a 20-something. Plus, many 30-something adults also have to balance investing for the future with life events today.

In this video, we talk about:
- The challenges facing 30 year olds when it comes to investing
- Why late starters even exist
- How to balance investing with life events
- Setting goals when investing
- Do you need a financial advisor
- What accounts should you be investing in
- How much do you need to invest to be successful

Hopefully by the time you're done watching this video, you'll have a good understanding of what it takes to start investing in your 30s.

After flipping land for a year - here's what Luke Harris has learned along the way...

Luke's website:
Investor Carrot (affiliate link):
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I recently had a chance to sit down and talk with Luke Harris about some of the highs and lows (and ultimately, the biggest lessons he has learned) from his first full year as a land investor.

Luke has done 21 deals to date (18 sold for cash and 3 with seller financing) with approx $100K in sales, while earning approx $50K in net profit. Not bad for his first year!

Luke has a good, well-rounded, down-to-earth perspective about the land investing business. He's been through a couple of educational courses, he has worked in multiples states and regions around the US, he's seen plenty of the challenges that come with the land flipping business - and he has some good, realistic feedback to share.

Why In-N-Out Isn't Coming to a City Near You

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