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KMBZ>Audio & Video on Demand>>Life As You Own It 4.23.14 Segment 3

Life As You Own It 4.23.14 Segment 3

Apr 23, 2014|

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  1. Life As You Own It 10.30.14 Segment 1

    Audio

    Fri, 31 Oct 2014

     

    retirement planning found at 10:58

    five years ten years twenty years. Take a look at your general retirement planning and they knew it. Make your financial decisions based upon that working in Q a sensible plan. Unfortunately with mortgages what most
  2. Life As You Own It 10.30.14 Segment 3

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    Fri, 31 Oct 2014

     

    craig miller found at 3:32

    this. Break in wyandotte Michigan ominous unique little known if not completely. Unknown effect for our listeners that is where I was born interest in. All right so so what's the fact frank that's where you're down one point 01 point early in Brett by Detroit there's so get through it you gotta all right frank you've probably. Gosh maybe you can drive by the birthplace of Craig Miller the guy I think his wyandotte how's that that regional hospital there's south Detroit maybe. OK so let's talk about your first of all your comment about your budget being tight frank chemists say. You gonna I wanna stay. He may be able to refinance to save money I don't think you're refinance and save enough money considering in a tight budget you don't wanna go shorter term. Mortgage in fact you could find yourself being hurt by that. It sounds good to get that low rate folks this goes to all of the other being enticed by that low rate but if your budget is all tiger not saving enough for retirement you're actually cheating yourself. Out of long term asset growth and additional money retirement. Even though he'd be paying your house off faster you're given up something that you could be earning
  3. Life As You Own It 10.30.14 Segment 2

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    Fri, 31 Oct 2014

     

    building home found at 2:23

    are gonna. But your battery cell homer a new home or your building home from scratch is this a lot that goes into the focus on his let's face it that's where you go to bed
  4. Life As You Own It10.24.14 Segment 2

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    Fri, 24 Oct 2014

     

    interest rates found at 1:48, 2:48, 7:54

    May be conventional but there's going to be some significant adjustments to interest rates . In a situation like this you're gonna wanna have a significant down payment if you're trying to go conventional because most mortgage
    a little bit now you're able to get a little bit better interest rates you're able to get the mortgage insurance products that are out there. And and it's going to be more formal process remind them home now 700 above is is really ideally where you wanna beat. And we tell you there's adjustments 707 when he sat between a 7474. You know above typically 760 or higher. He would qualify for the lowest PMI rates if you're not put in 20% and you can get the lowest mortgage insurance rates. Just gonna qualify for the lowest interest rates . 74760. There are some minor adjustments and once you get under 740 even though somebody with a 725 would be considered good credit score . He will pay slightly higher interest rates may even an eighth of a point higher the somebody with a 740 some odd score. You're over 700 but not quite the 720. You're probably paying about a quarter point higher rate than your neighbor who might have that 74575760. Score how much is an impact. Q well a 200000 dollar loan now thirty bucks so month. And I overtime nets in and a so it's important maximize the scores folks into get your foot in the door and deeply wanna be keep in mind to use that if you have a 76 year our credit score . Or 740 or seven when he or anything in there. Government loans there's not an adjustment so once you qualify for getting
    ugly Chris or what's gonna happen well you got some real pretty credit score a threat to get through pretty Chris the war. Anyway that much of the southern accent housing you got a real pretty credit score I don't know which your hand what's that mean mighty sale like that. Because I'm from the south right so all it does happen well we get this question a lot mark and you've got the answer what's it gonna be the effect with that. Lower spouse score well it is going to impair your ability possibly be at alone and it's definitely gonna hate you or interest rates they're gonna take the anyone who's gonna take the lower. Median score some median is gonna be that middle score. So if you've got to if you personally have a. 76740. And a 750. Your mid score is 750 if your spouse has a 68630. You know 610. His or her mid score is 630. So that means they're gonna have to they're gonna grade you as credit worthiness of a 630. Credit score which is going to make you work. Deal not real attractive if you even qualify. So yes it can edit what what
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Automatically Generated Transcript (may not be 100% accurate)

Our friends we are back we are back to life as you own it. Final segment. So hang in there -- this you don't have much time we're gonna fill your brain with more useful information before we -- the tee adding here for the week all right mark. We have that would -- -- seeking status and easy you know always -- gives me info that you can be reminded of rupture of a lot of that you heard before some of my being YouTube it's out. Here five no brainer money saving tips that you could implement today. Number one is I just that thermostat fact I recommend get a a thermostat that is. But either it's a nest or it's a similar one where you can set on auto pilot were at certain times of the day it's gonna kick it up a few degrees during the summer. Not gonna cool all day working hard. And then in the and during -- winner it's going to take it and a few degrees when you're snug on your blankets or -- not gonna be home either one and on weekends when you're not there. You get an opportunity can save you 10152025%. On your heating bill just by monitoring your thermostat so. Turn that thermostat regardless of time here if you don't have allergies. Watch just freshen up -- crank open those windows here during the spring months if it's if it's. Reasonable to have treatment you can control your thermostat back open and close your windows. But number two is. Is when your mind close and it's ditzy -- when we say but purchase month's -- how many times how offer clothes on -- I don't buy. Anything close wise unless it's on sale meet in the same way now I did for pay full price for a allies unity certain. Those are good SP you know life is gonna T shirts. We don't really have -- were were completely out of them but if you'd like a truth in lending showed teacher or go retro those people off 50% -- will give you went for zero dollars 50% -- -- you know if if you call any emails etc. you'd like a really vintage cool look and -- show which is the predecessor to life if you want to we've done from we did for four and a half years before we changed names. Same show same great contents same good looking West Coast citadel is not are still with -- -- listed exactly. Though we -- and T shirts left over retro callers emails will give you one. But our rights number three is you could. Participate in the the the bulk buying clubs says he's Costco Sam's Club a senator but make sure you don't do what I do. On don't -- -- by Mayo and eggs and milk and all that stuff that might perish. Mean I hate to even count and I got to be careful in our house and looking under their arms in this ketchup expired a month ago could you about. Four packs sixteen gallon kitchen sink so by. Nonperishable. Items in -- -- be careful the pair -- taste of towels toilet paper that has deficit a lot of money argument that the quantity all right this is a classic when we always we always tell our our our friends and listeners to try to save you bucks what -- -- -- -- the Starbucks app or any other expensive coffee for that matter the place that you like to stop on the way to work. Maybe on the way home. Or sit and Chad on Saturday. Pack your own third as stated explicitly that have hit her third or dollars or five dollars for -- yeah. Caught what do you do -- we did you wake people doing out there -- spent a little more money get that that special blend copies but a few more bucks. To buy it at the store make your own you want to exotic. You know of -- the ideal spent if you wrote the by the copies -- in the make your -- you gonna save about 80% on that a copy. If you were stopped by the let me just studio we'll use our courage thing year we do we have one little right outside the studio you can tell. Craig and I get it up on him before the show. Yeah maybe now we're just kept up on life and the last one is son number five is my favorite gestures to get his whether it's of whether you write a bike where you walk. Either way on any form of alternative transportation whether you should shocking that we alt -- connected. So we've got our Smartphones we've got a right we've got -- we connected the all the time. It's a little easier to conceptualize writing public transportation for me now -- mama because I can keep on working and I'm not drag it right so there's benefits and if you're markets were very using public transportation. Brought Tony you don't know teacher but use a bike. Saves you may get a little excited safety -- Walk walk a little more do you need to drive three -- -- -- score yeah work could you pick up a nice spring day walk to -- health etc. I make less of a big cup of generic coffee cup on my bike and -- -- -- legible paper towels and he's a month after you turned down to a C people are talking you can citing democratic ticket. In -- -- -- just directives Cushing is the trash so. I mean it's it's multifaceted money -- adventure for me yeah all right folks we appreciate Jane Allen as we -- yet but we hope you are just a little more educated than before we began the hour. And that we wanna remind you to always. -- -- --

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