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KMBZ>Audio & Video on Demand>>Life As You Own It 8.10.14 Segment 3

Life As You Own It 8.10.14 Segment 3

Aug 10, 2014|

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  1. Life As You Own It 10.10.14 Segment 2

    Audio

    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

    Audio

    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

    Audio

    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)

Yeah. -- got to be honest mark. Please don't. But let me know if that's you know but you know that consumers with excessive optimism. -- shadow -- -- and I think you'll agree you've got excessive optimism in in your financial affairs. It will possibly lead to what we'd rather you be a little bit the bit pessimistic about that's gonna force you to -- so our friends at the National Foundation for Credit Counseling we've got some mature for animal wanna share with you went out were asking the question what's in your budget these -- the things that should be. If you're planning for the unexpected. We recommend you've got to six to twelve months minimum in what we say reserves it's not. It's usually not the daily routine expenses that wreck people's budgets. It's the emergencies. Out prepare for these by socking away 10% of each paycheck into a rainy day fund net. Men mommy years are safe but you gotta start somewhere tackle the six months high five your partner or high five yourself and then get it towards that one year. Right and next -- So you Boettcher periodic expenses. -- -- known periodic expenses so that's a party your budget but budget for the -- thing birthdays and anniversaries and holidays and things like that that most illegal kennel my gas bill is my house payment car payments under the think about the months of the year that you have people we always celebrate by buying them a gift or. Having holiday dinner at your home arena sings -- he's -- extra money on those are the months that sneak up on people ease your expenses spike -- them. While minding your plan on spending yet to month too much month of the end of your money. On the next is obviously long term savings we talk about it a lot that's a party your budget that's something you've got to be -- put aside money for retirement etc. On household vehicle maintenance is that in your budget are you accounting for the the 20300. To 600 to 1000 dollars a month it's gonna cost. Much for your car but also for your home maintenance. -- -- -- You've got to travel what about travel the GOP budget for that family vacation and that vacation you have that his party -- normal budget or don't take the trip. Don't decide on a wind tunnel green we can save some money -- specialties plane taking its analyst stated budget place in the law. I hear people say all the time they decide at the last minute take a vacation getaway defaming needed it. And they spent about three times more money -- their plan so in a budget they didn't plan for right major purchases buying a home buying a vehicle remodeling your house. Are you planning for battery charging and credit card if you didn't plan. What else charitable giving. It always set aside something to help. He got a little bit of excess give back folks just give back the first thing we remind you those you gotta give yourself if you don't I it's it's great to be charitable. But if you're not if you don't have enough money in reserves and have a button down on the other expenses the you have. Don't don't throw that extra money in the collection basket necessarily. If it's gonna cause you know run up credit card to pay for your expenses for your groceries. Next is a health insurance choices. Are you going to making sure -- taken advantage of what your employer offers you -- you look at your personal -- yourself entering a painter entrance outside of work and making sure it's covering you -- appropriately but most cost effective through your employer. There -- a lot of options and I guarantee can save you money leaving money on the table. What -- -- your actual investments you get a budget to invest money not just your long term savings. But your actual investments themselves higher -- but true here for a one K. Any other -- domestic stocks bonds mutual funds those things so make treatment that's in the budget as well alright folks all of that should be in your budget in if you wanna check it out in more detail you can get to web -- like these you own it dot com we will share this -- Rosa. Thank you so much -- do you -- your sweetheart I'm OK so last thing is your house. Is it -- -- load the -- -- melodious now that's music melodious it's is it different so rigorous work. Yeah mode Mal motorists. Milan Italy as he feels a little later on -- we're gonna stay in Vegas folks out what it thinks it comes at a firehouse if it smells like. These two things -- the most common pets and cigarette smoke those who we hope it's not the though it could be but those are the third top two -- pets -- cigarette smoke I'm telling it. Scrub the house get the pets out get the cigarette smokers out you're trying to sell your house nothing will turn off of prospective homebuyers even if their smoker you'd be amazed. -- what I don't want to live in this house smells like where you sort of dirty laundry the hampering your closet and get that. And it dirty laundry smelling your closet and net finally depression that -- as well speaking of fresh tune in next week for another fresh episode of why did you -- remember too. -- that it.

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