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KMBZ>Audio & Video on Demand>>Life As You Own It 4.30.14 Segment 3

Life As You Own It 4.30.14 Segment 3

Apr 30, 2014|

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    cold weather found at 1:08

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    interest rates found at 0:44

    you go to include your mortgage but also list out those associated interest rates and number three is. Identify lumps those together what's the number you can once you have that total number what's the number you can apply words that each month commit to it. Is it a hundred bucks is a 150 bucks is 200 bucks. On the next is going to be identifying which of those you can pick off first he got to go to the highest interest rates and while we're talking about the interest rates . Call each of those lenders and see if you can negotiate lower interest rates . On credit cards this can be done if you're paying on time and you're not maxed on the credit card. You may be able to lower your credit rating if you're really in a bind and you know it's eat your your maxed out earlier credit cards. You're having trouble just making the minimum payments. The and we recommend UTY credit counseling. You can go to credit counseling services that are are. Government provided to agencies that will provide that will assist in out credit counseling. And we call it's CC CS consumer credit counseling services is a good when you can now look up. You can also go to our website and you can find a couple
  4. Life As You Own It 11.13.14 Segment 2

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    jack crawford found at 9:13

    that is. Hard sometimes it is a fan when your skit where Jack Crawford sister right here off when you when you feel that coming on. Remind yourself you know what everyone's and tell their opinions
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Automatically Generated Transcript (may not be 100% accurate)

All right folks we are act like you -- it ramped up with yes this week in the final 45 minutes -- hang in there with us let's have some fun this last 45 minute mark -- Bring a little bit still color that some are. Oh okay so let's start there to start with fun okay. All right and it runs on that Venezuela is to crush their crushing cars and bikes to build houses. They are that as well as that until they were struck crushing abandoned cars and bicycles provide Rochus housing construction and supplement drastically reduced amounts of local steel. They had to say they have 101045. Automobiles 9601. Motorbikes and 530 yard bicycles. And they got -- so yeah that's the whole thing but I don't know rush that we had -- going to they're gonna turn into materials that they can build houses. So it's not technically folks is not that they're gonna use those to build the houses that would send a little better at the open of the show they're gonna use these to come up with the steal the shortage of the raw materials. And re purpose them for four construction materials you know. That would be -- huge improvement with the -- Hugo Chavez they're usually. In his dictatorship most of his people are living in this crash hopefully he lets the people get out of the car before they traction because they live in this cars down there off again. That's those are their houses right now that's right guy she she stayed out there aren't. All right also we talked about and we had a -- should he stay or should you -- segment where. We insulin it may -- could use a sub prime mortgage but of course our advice to that to her was you know -- The unity is sub prime -- -- need to do his first rolled sleeves and get back credit -- and cleaned up. On and and get that part done then. Look at buying a house and also -- -- a little tip to have two is if you're renting. Consider tried to identify a property that you can do at least purchase or potentially contract for -- and understand contract birdied. It is a mortgage on so if you can if if you're the buyer and you can negotiate the same kind of terms. Four they give -- the same rights of appreciation as -- as a lease purchase gives you more flexibility. Tony it is seller. -- -- -- -- -- If your cellar of the house you order to a contract for deed you always want to you create at least purchase contract but do not do contract pretty good if you're held to all of the the legal. Requirements -- that are a foreclosure. Just like a mortgage company would be all right so -- The sub prime what do you think of sub prime making a -- well I don't have a problem with it. I'm coming gives him advice to those -- here who have literally are used legitimately struggled with your finances if you legitimately struggled. You budget well to make sound financial decision you find yourself where you get to -- -- -- and finally get that car -- you know -- get approved for maybe even a mortgage. In yet you find yourself in financial trouble again a year later years -- three there you there's usually your reason for that. The only problem I have of the sub prime loan market that. I believe was a big problem before when we had a lot of it is that it allowed many people who were not financially. Savvy enough disciplined enough educated enough. And I don't mean education in general come -- financial education financial acumen to go heading into something it sure seemed like a good idea at the time. And it worsen their financial struggles that they've already constantly dealt with here's the deal folks. A sub prime loan could potentially be a solution for you. But you better make sure that you square yourself away in all other aspects of your financial plan before you choose to go that route. Oftentimes my opinion is. It's better to get everything squared away savior monies to save your time were on your credit and everything but to where you've become. The best version of your financial so if you can be before you take on homeownership rather than just -- in because there's now -- -- available to get you to the house. Yeah but that the other areas. You'll probably find yourself struggling not only those areas still. Now you've added house into the mix it's gonna it's too I think that's great advice dragon is -- reporting view that there's an increasing number of opportunities for you with larger down payments 25 to 35% down. You need to have an interest traded eight to 10%. And we're not saying as a terrible interest rates if your credit is is that that -- were saying you know what. May not make sense for you. On the -- to jump into that get the credit score cleaned up a little bigger financial house in order and recognize that with the 600 greater score. You can do an FHA loan with screen half percent down it's gonna give you very affordable housing payment yeah all right another installment of life that you -- it we appreciate you hanging out doesn't remember. To call 877301536. And eight at ten questions in the state assi.

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