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KMBZ>Audio & Video on Demand>>Life As You Own It 8.13.14 Segment 3

Life As You Own It 8.13.14 Segment 3

Aug 13, 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)

We're back sorry -- so we got the Smartphone devices and I -- and their collected all this kind of information that whether trauma TV my thermostats highlighting all that stuff my refrigerator. How to light how I protect myself so the bad info wouldn't shared with with some -- this lurking in the neighborhood in cyberspace sure -- couple -- but just cancel things here for all of your research folks before you purchase a Smart device. Investigate the company security policy. Make sure you know how easy will be for it to be outdated if you have any doubt consider contacting -- -- for clarification you've got to know. How good the security is on that particular device protect device of passwords. It seems like an obvious thing but amazingly a lot of people -- Internet and other Smart devices in their home they don't have a password on the think they're making it easy to use. In other people are -- writing an update software if and updates available. Running you need to keep an update you as much as possible because they do you update the security loopholes and try to figure out. How to make sure they you know compensate for things that have been popping up browse with caution. Make sure -- your access and Internet don't click on links that you don't understand where they're coming from a -- it's an unknown senders looks funny ignore it. Definitely do not click on anything that you don't intend to log into person you know just don't. Don't fall for the bait folks -- a lot of data out there when your browsing Internet and then it finally protect your mobile devices. Obviously -- of those devices are oftentimes now controlled by tablets and mobile phones. If you protective of all the above measures it will ensure that the Smart devices don't get compromise a -- Hewitt is a Smart house in some Smart click here now how to get in the U. Stuff. All right mark what's next. All right so cracked we've got to we got five states -- five yes I states we get a better deal on your mortgage. Right -- act. -- Rhode Island an average guy interest rates 3.4 percent. As of July on average Connecticut 3.4 one about a 3.4 six Pennsylvania 3.5 -- Maryland 3.5 nine the highest work. Nebraska. On at four point one known we'll say South Dakota and Wyoming just under four point four point eight so why. -- -- Over half -- percent difference in interest rates yet. Craig waters some of the things now folks say assailants UP go oh my gosh -- -- Rhode Island to get a better on the mortgage well just like anything. It it's the details that are important and there are several details Greg you can opine on -- I -- as to why. Getting a better deal on a mortgage in that Rhode Island is not necessarily true so Mythbusters time Craig ms. Madoff dust flip to Bob hey a lot of the first. Off renegade on the cover this mortgage backed security bond trading is what dictates that mortgage rates are going to be there's very little differentiation from state to state in some cases. There can be very very -- in our means like pricing and changes from Wednesday to another. And we're talking about at the very most and eight of a percent of interest on at the just the right date usually. Coast to coast north south east and west it's all the same fervor by so what's happening here -- tell you that first of all. Many states have higher propensity to pay buy down their rate with points in -- The I think this doesn't tell us in this article is what the average term of the mortgages and what the size alone in his. Folks if you're a small midwestern town. There's a couple things here hopefully -- in a -- and that's by your rate down with points and number two you're not gonna get. A loan that it may be slightly down a little bit lower because your -- so much made a lenders making a little more profit. So I can tell you that there is not a big difference in the rates from state to state but I can't tell you that the way people go about doing their mortgages does make a difference and in fact. Oftentimes is the states they can brag that they get the lowest average rate that -- -- the worst average deal desert paints a much more in fees and costs and points at they're not recovering before they -- -- to get -- letter to something else. So don't fall for this because it's not true that's right the average cost associate -- these these mortgages are based on a couple things as Craig mentioned one is. They're higher average loan amounts and two is they are paying more in fees and while if you take the term of the loan of thirty years and say oh. They saved half percent in if we compare day same month mortgage amount they would save that money that's how they saved 20000 dollars of our -- -- over the thirty year mortgage. There are gonna be in the house thirty years and turn -- -- mortgage thirty years so while it's interesting to report. It is a bogus it is article anyway myth myth that you can save money get your mortgage and now Rhode Island no offense Rhode Island a million hole -- the same deal there in Nebraska -- did all right folks you another installment of life John thanks for hanging out -- does have a -- fantastic rest of the weekend and a great week. Remember to left. -- --

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