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KMBZ>Audio & Video on Demand>>Life As You Own It 6.3.14 Segment 3

Life As You Own It 6.3.14 Segment 3

Jun 3, 2014|

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  1. 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
  2. Life As You Own It10.24.14 Segment 1

    Audio

    Fri, 24 Oct 2014

     

    john mark found at 10:16

    its keep on keep it on him. All right we're back live John Mark McDougal that I joined by Rosa vote you're filling in for Craig Miller we thank you for hanging out with a as
  3. Life As You Own It10.24.14 Segment 3

    Audio

    Fri, 24 Oct 2014

     

    tax efficient found at 4:23

    have more complexity but you have more opportunity. To put things any tax efficient fashion into you were the state. And to you know that's all we want avoid tax man pass on the warriors take
  4. Life As You Own It 10.17.14 Segment 2

    Audio

    Thu, 23 Oct 2014

     

    investment properties found at 12:36, 13:08

    hearts go South Carolina called the hotline to ask I purchase cheap investment properties in the last year and a and a total of five properties now. Including my house I live. I had mortgages on
    it to work at a higher rate of return and what does investment properties are yielding. And ideally they were cash flowing before you got this inheritance if not need to sell it anyway. And if they were your major money there. Get this inheritance to work for you at a higher rate of return then now what's writing off that expense for those investment properties is costing him so. You need to go you need to stay stay stay stay invest that money work with the financial
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Automatically Generated Transcript (may not be 100% accurate)

We're back friends. Are we are where we are back or their friend's life as you own it so we could be both. Well of the -- -- Our folks. We. Back for the last segment we hope is that -- -- show when he we wanna make sure that you check out the show aren't lying you go to YouTube -- you can now also listen goes on satellite radio you've got iTunes you can now. Watch the video podcast that life -- you owed it dot com we've got questions you've got suggestions. We wanna hear from you and obviously we are very social when you've got comments on FaceBook connect post pictures of you in your first home or if you've got. Your first investment property listened to Shaquille O'Neal opt not to avoid I would avoid those rookie mistakes and I'm gonna rent out my house. Take a copy of your first check from that that deposit check that Tenet. Yeah and then call -- six months later and let us know that did you follow those you're still successful yes are so. 87731536. Is the number to call Craig jump on -- it is easy at any vacation plans for the summer again and usually go out thousand time by -- who. Probably do let me tell you is like to swim that's for sure maybe do little camp and do little swim in some basic things like that and maybe go to Idaho. Yeah that would be awesome let's try to you know what if we -- -- idol -- do we can -- of a little life you know we will do a video podcast from Idaho of the show. Debbie fund the campaign by death -- and by the rivers or mountain I'm up there that we're gonna go keep pregnant Kiffin. Haven't yet with our families. And it is in over the fourth John trying to get Craig to end his team to come with my group up to where my wife is from -- -- beautiful country up their merged into the camp and around fourth of July. I'm would be a lot of fun would -- yeah analyst the always -- -- the student okay I will spend less money on gas folks have about it. Don't wait to lead media actually have to have gassed by guess that's number one on the list tell us about that mark. Tell us how quiet what -- -- -- -- that little weight city today designate it and she would let down there was no you wouldn't want to clarifies don't wait TS needed gas is our Internet. Number two is map tiger route via Smartphones so there there are ways to Lessig a few bucks by making sure you get the most cost efficient rude to her location. -- few bucks also stick to the maintenance schedule folks it's proven. That if you maintain your car you maintain your vehicle regular oil changes proper air in -- right inflation in the tires all those things. Will save you money on gas. Number four Craig earn gas cards that you're grocery store you do this right roses not nervous why do -- -- an ass I don't do very good job yes so -- many. Many seventeen cents a gallon which you say and so folks remember you you buying the groceries if you got one were all things are relative Kostis is. Recent on the groceries you can save a few extra bucks on your gas spiked just -- one of their programs. But number five number six is we'll -- number five to stay cool without the air conditioning. I don't know man I'm probably gonna need to burn a few extra gallons of gas per year because I like my VCR and I've had a long hot day at work but. If it's seventy degrees out 75 maybe eighty you know eighty degrees out in the evening. Wind blowing through your your long mane of hair like I have if you've seen me on the video podcast and that's that's actually refreshing to me. So save -- -- -- -- -- air conditioning all right Craig there's another -- -- -- reload the -- I don't know exactly what that means that means if you -- -- stuff on top of the -- -- luggage if they're on the luggage rack -- have major aerodynamic you know want to wish you -- -- read that because that's how you're gonna join as in not in Idaho -- now we -- and I -- in the family -- you get the kids we'd -- down there may be an ivy -- On top I can do that all right and another one is here's a cool option is using gas applications there's one called gas buddy. Which -- help you find the cheapest gas one thing you wanna consider those depending on your car is. If you're an ethanol fan or not -- obviously ethanol is usually cheaper. Especially here in Atlanta or -- mileage on clearly there's one thing I think it's there's a look at notebook but gas buddy is what you need. Range of gas buddy crazy cash back credit card as the final and folks in what we're gonna DC uses cash back in over orgy he'd be Smart about -- Those cities where homes on the market or in the lightning round are about to be done your Denver Colorado is number one of the -- toys that days. But on the fly out there Oakland California. San Jose California San Francisco California Seattle Washington. Anchorage Alaska stocking California Sacramento California Boulder, Colorado Boston Massachusetts. And it. Bring it up there in Texas at Dallas they got there all right folks if you hit it any of those places you're in good shape realistic -- if you're moving -- go find a -- quick. All right another installment of -- unit we appreciate you hanging out with -- and -- next weekend remember to speak legacy.

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