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KMBZ>Audio & Video on Demand>>Life As You Own It 5.30.14 Segment 3

Life As You Own It 5.30.14 Segment 3

Jun 6, 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

    Audio

    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

    Audio

    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

    Audio

    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)

All right we're back live if you own it and it's the it's the final segment we hope you tuned in for the entire he didn't pitch at all. Remember you can go to podcast show you can night -- and iTunes obviously I heart radio tune in radio. And remember. And to call their local radio station. If you're not catching is on your stations and other picking it up some more miles on driving to a a community that has the ship now. Tellem and we want life as you -- it we demanded to morrow lot. Okay and that's happening -- we have that it people who podcast show over the like you know what there's nothing like. The snowball in the radio -- bowl ice cream and a hot and they have the front porch and then I'm not a -- fresh lemonade but if we can't have that. Ranked I wanna kick back in a lawn chair and listen to life as you own it. But ranked ball me summer day since the trees so that's right all right before we took the break we were giving you what we've got options for -- young that people. On end and may -- not young people those abused its are gonna go get your degree and you don't want to get a bunch of student loan you don't have to. While we've got five in their more than five on college you can attend and you cannot. You can actually have your tuition paid on your behalf and get a fantastic education that most of these. I'm so we gave college those -- was one of them. And US coast guard academy by the -- institute in Glen Cove New York that tuition is free for all admitted US citizens and green card holders. It's not include room or how to do it -- -- finds much of its funding to endowments but also saves money by only offering to select majors. At this at this engineering college. All students double majoring naval architecture and marine engineering and take on went to work intern ship. Every year that provides them with the real world experience in maritime in the maritime industry result is extremely focused education Lance jobs for one. 100%. -- graduating class. I'm also -- we've got the most -- McCauley honors college. Probably not an option for mean whenever I was I -- but to those of you crack in the books that -- -- don't have a full ride scholarship available to you. It's free for in state residency after news New York among all McCauley enrollees also receive a laptop and 7500 bucks in opportunity funds that can be used for research projects. Study abroad programs in -- ships. And service initiatives how to do it well they select the cram it did the creme of the students and so maybe it would have made it. I'm not in the Barkley college and have a -- Kansas City saint creamy it's incredibly Trent Green the entry mechanical. Three -- and whatever picture -- and Barclay College. The free tuition for all doesn't have a happy and that's right free tuition for all tenth time on campus residents full time off campus students receive partial scholarships. On this incredibly small Christian college only caters to students who know they want to work and pastoral and religion. Based professions. Limited to a couple hundred students. Campus focuses on keeping its community cohesive in keeping its expenses low so folks if you are they're similar colleges would be Brigham young university in Provo. That offers half tuition. And of course that's a significantly harder student body and there are other colleges throughout the United States that may have if you're going to Cuba. Walked away at the clock. Then you may be of these Humphrey. If you caught that no other way to claw -- Is that -- tackle that there's a silent about this whale that has of the clocked off this way and it looks like a lady was your -- it was there one idea and I don't play well it. Every time walking the -- and a place in my head. I read folks initially had on the you know what it's been another installment of life as you won't it we hope that you enjoyed the show when you've got a little it's the first time. You get a little taste of what we bring each each and every week our goal is that you walk away with a real tips how you don't want cracked. Was Christmas for the most import relationships we've got five tips what where they it was five to improve your vice basically. And they are five ways to increase your credit score. They are simple they're straightforward. And we're gonna -- them to you real quickly you have paid record time ready one to copy your credit score report and make sure the information is correct you pay your bills on time of course folks that's right. Number three correct understand you're -- report to understand how your credit score is determined that number -- -- -- legal steps to improve your credit report to take those little steps to get it done. He aware of credit repair scams is number five. Watch those that we funny and -- stepped in to begin next week and remember generally make legacy.

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