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KMBZ>Audio & Video on Demand>>Life As You Own It 7.16.14 Segment 3

Life As You Own It 7.16.14 Segment 3

Jul 18, 2014|

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  1. Life As You Own It 10.10.14 Segment 2

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    Fri, 10 Oct 2014

     

    real estate found at 4:50

    to. Just get it done now by the way I'm really instant real estate and learning all about the topic to talk about us thanks so much for putting on a great show each weekend. Way to go Emilia -- -- he's just so -- or lady would be great lady writes. Okay Craig says that the should Easter should you go is should they should be cell at the peak. Look for the peak or sell now you know it's interesting you brought up what she brought up earlier about interest rates the same thing applies to real estate values and prices well. Nobody can tell with the markets Kennedy for sure. There's there's obviously people on both sides of the debate that say that housing prices are gonna stagnate. Some say they're gonna continue to go up some -- gonna take way off some say they're gonna drop. So how are you gonna know when you're at compete how's your husband and an owner at the -- out anchor how many amazing intelligent genius level radio talk show guys you listen to -- Or on TV shows that you may watcher -- every -- not going to become some overnight period it can just tell what the market especially
  2. Life As You Own It 10.10.14 Segment 1

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    Fri, 10 Oct 2014

     

    kansas city royals found at 2:41

    you that are -- -- the boys in -- are there in Kansas City Royals . That's home base no pun intended for Craig and I Axworthy intergalactic headquarters where life is you own -- are based here
  3. Life As You Own It 10.10.14 Segment 3

    Audio

    Fri, 10 Oct 2014

     

    tax deductible found at 2:47

    times barring money for your home equity going to be the most tax efficient money you can borrow. Taking had a personal loan Carolina credit using other types of credit likely will not be tax deductible . Whereas depending on. Following the RS guidelines and you've got a note they are won't go until now with the limited time we have. If you follow along those guidelines and you've got that benefit especially. Do you there's always that 100000 dollar. One time you know benefit your your exemption is a 100000 dollars or anything above that he need to do it tax repairs CPA count but. And we folks it's tax efficient money your bar and another big one. All right last bit is from our friends at midwest professional insurance services 3COM and home insurance. Gaps that many of our listeners may have number one is up. Understand the replacement cost of
  4. Life As You Own It 9.30.14 Segment 2

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    Mon, 6 Oct 2014

     

    interest rates found at 1:48, 2:47, 6:00

    programs. Maybe conventional but there's going to be some significant adjustments to interest rates . In a situation like this you're gonna wanna have a a significant down payment if you're trying to go conventional because most
    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 at home -- 700 above is is really ideally where you wanna beat. And we tell you there's adjustments 707 when he -- between 74740. And above typically 760 or higher. He would qualify for the lowest PMI rates if you're not put in 20% and -- -- mortgage insurance rates. You're also gonna qualify for the lowest interest rates . 74760. There are some minor adjustments -- 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 -- scored. You're over 700 but not quite the seventh when he you're probably paying about a quarter point higher rate than your neighbor who might have that 74575760. Score. How much is an impact you well a 200000 dollar loan now thirty bucks so month. And I overtime -- in and a so it's important maximize the scores folks into get your foot in the door and if we wanna beat. Keep in mind to do that if you have a 76 -- our credit score . Or 740 -- seven when he or anything in there. Government loans there's not an adjustment so once you qualify for getting
    mortgage insurance. And realize a savings of 50810200. Dollars. At the same interest rates all about having one educate you and teaching you how to break down the numbers he can do it. Greg Craig what's not -- the agenda will keep your agenda have thought let's let's spouse's credit score and that how to actually what happens if I I just -- is there incumbent on their credit score and I do that no you can't if you're going on the more folks in you winning is allowing them we --
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Automatically Generated Transcript (may not be 100% accurate)

All right is the final segment of this installment of the likes you and thanks for checking is that we hope you've had fun we hope you've learned something. And now we a lot of information governed the last segment slightly -- around fast OK we've got does some of the ways that you can go -- -- -- to the show because you're not gonna go broke. But if you choose to and this is this first one Craig and I can't help focus on looking good. So you know -- is has had a lot of work done. And -- make any spends it's not cheap you can't look at bag did that good you know going to the discounts. The discount laser. Whenever. I've had on all rhino last Steve that was -- you know -- and I know blasting IE as their last d.s other plastic every plastic you know. I don't -- come -- all did you know it's it's eight you know style over substance bottom line is. -- -- most of America's millionaires do not live out like we would think a millionaire lives they live within their means -- live below are -- -- below their means. So -- that's number one as well things look good being shaped to -- your body groom yourself to cure the nice thing that you have -- don't try to beat. Have the latest and greatest that it will catch on living paycheck to paycheck seems an obvious one and some analysts say gosh I just can't help -- live paycheck to paycheck 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 you have that the chance of you. You know wait for an income statement that credit -- seem to get that shock or. A lot less likely and then the last -- what once Lebanese shall be evicted you wanna go -- be a victim the victim mentality -- blame us for whatever goes wrong your life so -- US currency when you get this promotional work is so and so nudged me now outer I didn't do this right -- you that is happening to have folks don't be a victim be a winner bee champion. And you do better in life and it doesn't matter if your credit score doesn't matter -- -- matter what it is some if you if you do the homework and you -- at things happen to good people we agreed that. Even some of the most devastating out of medical circumstances that people have undergone. They have come out stronger person stronger person it's amazing to see some of the people that have. Have a physical limitations. That I accomplished more than any of -- -- -- for yet and so -- -- -- and it may -- one last one last little tip. Is if it's moving time if you negotiate the deal on the purchase of the home with a -- -- and purchased. And one of the things we've told you for insurance purposes you need to do is take inventory why take inventory. You bring in moving company and assure they may be bonded and insured and all those things but if you don't know we lost it until a year and a half later. -- YouTube and good luck trying to last settled a claim with them so just for insurance purposes and -- -- combination -- no -- what its move with this the position it's in etc. Take inventory for your goods take pictures of them email those to yourself. And it again to revisit -- couple months ago -- a month ago is. Make sure that that inventories utilized for insurance purposes that it's updated -- and you've got the stuff available in the event disaster strikes on you are prepared so. -- That's all I got that's all we have we have try things that British this year we you next week so what will you be our next week here and wanna tune into the show same time same place same marking Craig to same bat station same -- replaced. Next week we will -- refi at home purchase missteps that your lender builder will think to tell you that is forget it's not that they don't wanna quipped you. It is easy step that slip through the cracks and I can tiny. We share those fighting me because -- can make you -- -- one more -- and post those to the web site. Prior to next week's show will single running or swimming encouraging go out there give the advance down low. On what we're discussed on next weekend show. And I doubt we appreciate you hanging out as we hope Jose a fantastic -- for you because I know it was good for me. It's good to meet him Barack America Nancy everybody's.

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