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KMBZ>Audio & Video on Demand>>Life As You Own It 1.3.14 Segment 3

Life As You Own It 1.3.14 Segment 3

Jan 3, 2014|

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    paradigm shift here. Obviously for the past 34 decades if you're tracking interest rates on mortgages you'd notice that in general taking -- as at five every contain year. Average window of time decade over decade mortgage rates have typically. Trended lower lower lower so when moving up and home or. Refinancing your whatever has come along -- been -- the benefit at a lower interest rates usually it's is an additional motivate her for people that are looking at moving like -- you know we're. Seven and a quarter and my first home loan for example was eight and a quarter. And when I bought my is my next home I think I got seven or something so it was a huge. Different generate over just a couple of years period of time was when rates dipped down I was able to buy another home. For not a whole lot more money. Even those more expensive house because my interest was so much -- well. That's typically what we've seen. As a trend and people of enjoyed that now that might be changing so if you look at the Adam average rate of the past few years. Interest rates dip down to a record level on the low threes on a thirty year mortgage November 2012. And it took till about
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    vending machine found at 1:55

    but to others survey that shows. Virtually everyone who lives above the poverty line has the ability to -- twenty bucks a week saving. Is a habit. And it's something that if you develop at a young age. That it can become a part if you were financial DNA so you do you have the ability to save regardless how much money you make and that's when he dollars. On if you're -- just above the poverty line is a big chunk of money that will make a difference for you if and when you needed. I'm not people that play the lottery -- chances went in the water. Sitting him lynching so -- it's getting hit by lightning. Vending machine -- the Wall Street Journal analysis 95% of gamblers Li use in the end. You gotta know when to hold them and pull them. And what went on -- -- on -- -- of -- -- said they -- well I just -- that -- half truths to -- kind of -- and the dogs vet her for buying on credit folks don't get in the habit don't use this credit cards if you pay cash in your cognizant of and you're only spending what you have and I am not as much as
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    he wanted to circle that block a few times. -- and rabid dogs chase you down so. I drew that -- -- you -- -- all love don't fall for love at first sight drew says
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Automatically Generated Transcript (may not be 100% accurate)

Life as you own -- flat you don't have drivers aren't you glad you don't own library. Like buffer zone -- Again that's our next -- admit Nextel are abuzz noting -- arsenal it believes Craig Miller on this the final segment we hope you've enjoyed. What is the inaugural show -- 2014. And we want you to come back again so please give us your feedback what would you like to hear us talk about. And you know maybe we'll consider that an NHL it was during eight under point 24664. Or I should as she does an email. Questions that life -- joining Docomo are ranked four we took the break I was right went off. Money magazine set top five second city's retiring and and remember those are the ones that are. -- our cities that are 15500. In population. And these. These are based upon their affordability and some of the amenities -- a rally North Carolina Pittsburgh Pennsylvania gave you some of the details on those Lexington Kentucky population 300000. 29% of the population is over fifty. Median home price 162000. Rental is 900 box and the affordability index is 88. On the kind of the pros of like -- in -- -- team education and affordable downtown housing. The cons are limited arts venues and a small airports never flown in Lexington Kentucky you. Can't say that I haven't honestly so is it such you're such a big guy and it's a smaller airport that's our rights saint Petersburg Florida I'm dig in now when and folks if you listen to the shell for. It's been on for now over five years but if you listen to show before forgot the last 45 years would insane if you -- piece your beach front property to a beach -- property. The last five years have been the time to buy it's quickly appreciation in real estate in Florida for those each front or beach you properties is. On the upswing. War very quickly but say experts still is -- a fairly affordable place to live. Average the 39% of population is over fifty so it's a big. Big target market for Craig also the company did well -- the -- is 137000. That's pretty affordable. On average rentals -- thousand and the affordability index is 94. And my favorite on the list Boise Idaho. We've yet to be like I likes me some Idaho my Fam my wife's family is from Idaho and I've. Just spent a week up their over the holidays and and and love Idaho the very beautiful reassuring -- you where you weren't for years I Idaho. -- that sure does and appoint as an arrow pointing to my right. And of course you're always on the left so I I don't know where that's OK so loud it that. Fifty plus percentage is 32% average home price 137000. Rental -- box and affordability index is an off the charts. 94 folks. I looked at some of the pros are wide range about -- activities I can tell you it's beautiful mountains everywhere walking trails on that good health -- the cons are. On its not racially diverse cold winters prices -- are high so Craig rule quickly I want to mention it's if you go to the website you can now work. If you do we put on your home. And you left maybe need some resources were gonna -- some options were on the website -- what your options are if maybe not yet delinquents. Falling behind her or think you're gonna fall behind we've got this worry it will company takes a -- we overthrew yeah we will cover that men and -- we wanna make sure that you also. Obama understands that there are some great tools Rihanna on the Internet become a -- have all the facts the cool tool of the week. This week is they rent vs buy calculator that allows for most if not all the -- important variables this is tested by Craig and I. -- -- -- Myself. -- That you need to make the right decision for rule likely be the largest investment of you were life -- to what. Trulia dot com. -- slash rent vs buy folks check it out was -- -- on the site that's right folks in and really there's a lot of variables in there I encourage you work with a certified mortgage planner of go through this if you crow -- homeowner. And you're thinking of buying it. You can even put in the opportunity cost associate with the down payment if you rent vs buy it's the best one that I have found on the web and there's a lot of them out there. So check it out folks are Craig nothing I do dismantle people all the time and haven't used the tool which and in using the checked it out. It's super any folks in there is Samantha you're missing if you think you're just comparing payment to payments would definitely check it out. Next week bill will cover. We talked about. One thing for sure those of you were struggled through your mortgage we'll help you figure out ways to potentially get out of that situation and will update you on those refinance options that you may have been -- you can go through the break even formula for those are first time flyers. You want this tune in for the show. -- anything else. I would say happy new year to everybody up to tune in next week -- -- and -- think. Payment.

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