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KMBZ>Audio & Video on Demand>>Life As You Own It 7.24.14 Segment 3

Life As You Own It 7.24.14 Segment 3

Jul 24, 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

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    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 we're back live to join in this the last segment -- well. At some that's a mom school supplies buying tips for you and the big tip is going to be did you know Craig there -- seventeen states that. Have they they don't they don't charge you sales tax on a certain day of the year when you buy those school supplies some of map multiple days did you know Craig did you know -- that happen. We're gonna put the maps for those states on the life as you own its website to if you go to -- you wanna dot com and folks is a novel idea it's it's. Summer's winding down. When -- considered taking a road trip to one of these states now tell yeah. Most of Murray and not areas that it's pretty HOT. Right now. On the bike you get to -- re -- of the states on the atlas drag you got a couple of in the northeast that. Go right to the heart of the midwest southwest and southeast. Don't go go -- looks like Iowa is one of those it will help you out in that regard Missouri you know that -- Arkansas. Oklahoma. New Mexico Texas Louisiana Mississippi Alabama. Tennessee -- in -- -- so. Georgia South Carolina. We've got Florida. Virginia Maryland Connecticut and Maine so. Tennessee the company has an -- and he makes it wisely Tyson twice. Hi folks so why -- some states what might save you 567%. Now if you live in the states make sure that you was selects the days that it is you're eligible to. Save those sales tax holidays and if you're in a state that does charge sales tax there are some states that never charge sales tax but -- -- that does then it make sure that you go well. May purchase those a school supply goods some. Possibly they're bordering state might be worth the road trip might turn a little you might have just a school supply vacation. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- They're -- waiting later make a lot of big decisions a lot of big investments of one stay more mobile and not only in their personal situation. But also when there that are roof over their heads situation. So while what we will see is these as the millennial start to slow down we're gonna see and an increasing and increasing the age of the first time home buyers. Mom and we're gonna see a difference is those first time homers commend they're gonna be buying. Smaller houses and so I think we will see is that pattern changes were going to continue to see which we've seen because the housing market. A raise in the average age of first time homebuyers and the size of that home their purchasing. Impacted already by the financial on the turmoil of the last 45 years. But this additional little demographic is going to you while further drive the size in the timeframe of which people make their first purchased. I'm even more so. That's my take brother and I would agree and we find it's you know it is it's proving itself -- in dated -- and are working environment we see more and more people who say you know I'm. Really get -- hold off I don't need a whole lot I don't play and have kids -- don't -- any married I mean the marriage part of it is one thing we're also seeing in addition to that a lot of people are holding off. Choosing to never have children or have less children. Put off having children so. All those things affect what you said mark the size of the house that one might need. You in the area where you might choose to live as many people who are single. You -- -- -- -- but the school district or things like that may buy a smaller homered different on the they would buy otherwise if they're raising a family and -- morning and put it certain school district so. All those things have so she'll economic implications. And when -- -- Whether you should or shouldn't go out and tired and old not. But I will say if what you're afraid is the consequences of it not working to get a good solid -- that those might help how many healing -- By that now and -- laid -- -- -- and go -- to -- as we had a show a couple weeks you're talking about make sure you understand the crunch contractor signing and I won't argue that that's. Possibly viable and up prudent contract you have a in place but. I will say if you do put one in place or you're asked to sign one make sure you read it make sure you understand it and remember all's good when you're into with. -- unfortunately. All things don't work out like we planned it. Sure I like this show today that's track and car I drag -- into next week thank you letter Gloria real. Hey folks another summer of life is -- thanks for hanging out with this and know we want to remind you to always. -- -- -- The tennis.

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