Nine Year Mortgage on the 2011 Tax Changes Nine Year Mortgage welcomes you into the year 2011! It is important as a taxpayer to know what changes were made this year and what to expect in the upcoming years. We know it can be difficult to keep up on all the changes that have been […]
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Marriage can provide a significant financial advantage. For instance, you can double your income without doubling your expenses. If you and your spouse have the same financial goals, you can reach them much more quickly together than you could have working alone.
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Who is teaching your child about money? If your not, then chances are that no one is. 9 Year Mortgage recognizes that personal finance is not taught in schools and the only way they are learning is by example. Children often do not see their parents paying their mortgage or utility bills; what they do see is a piece of plastic that pays for most of your daily activities. The moment your child starts noticing the connection between money and purchases, you as their parent, have the obligation to teach them the truth about money; the earlier the better.
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In this article, Nine Year Mortgage will share a few options that you have in helping your children start saving for their future education. We all know that education is widely thought of as a key to our future success. In order for us to get that key, we must have money to fund our educational endeavors. Starting to invest early helps money to grow over time. These plans will help your child’s money grow, so you can stress less about how they will end up pay for college.
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The holiday season is over, but stores are not seeing a major decrease in spending by consumers like they have seen in the past. Contrary to thought, consumers are not planning on slowing down when it comes to their spending. Don’t be fooled with all this talk of increased sales and large savings accounts; credit card applications have been rising since 2009 and have been soaring since the fourth quarter of 2010.
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WHEN INCOME IS CUT, HOW SHOULD I PRIORITIZE CASH FLOW?… 1. Pay the Rent/Mortgage First: Regardless of your financial circumstances, you need a roof overhead, a place to call home, a sanctuary from the world at the end of the day. So, your housing comes off the top of your check. If your check is […]
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If you are thinking of tying the knot with “The One,” then 9 Year Mortgage suggests that you first learn how they feel about finances. This may potentially be an awkward conversation, but it will help you form a much more solid foundation when it comes to your financial future together. 9 Year Mortgage has compiled a list of questions that you can ask your partner to instigate a conversation.
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Whether you are a homeowner or a renter, there are probably a few insurance policies you are skimping out on. You might simply believe you do not need it, are unaware it exists, or think that it is already covered in your current policies. The truth is, for most of us, it will take a major disaster or unfortunate event to make a majority of us realize we should have bulked up on insurance coverage: better safe than sorry!
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Students must be patient in their investing years, remembering that they are saving for the future and not the near present. They must wisely put their money into sound investments now to help themselves along in their financial pursuits for their future.
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When we think of identity theft, we most commonly think of a wealthy person who has had massive amounts of money stolen from them. While this does happen, most of the time the average American is the one who is most at risk of having their identity stolen. Every 3 seconds someones identity is stolen, making 1 in 6 Americans victims of identity theft each year. So, we are an easier target than you might think.
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Are you struggling to make ends meet or to continue to live the same lifestyle? Well, you’re not the only one. The trend of cutting expenses wherever possible is going to be a lasting one, not only because of the shaky economy but also from a feeling among Americans that the government and big corporations are not going to be reliable contributors during a financial crisis. If you are in this situation, don’t get discouraged, there are ways to cut your costs.
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Many people have diligently put their money away into their 401(k) plan’s for years in hopes to have a comfy retirement. In the recent years, people’s perfect plans have turned out to be their greatest concern. The once glorified perception of care-free retirement years is now plagued with the stark reality that their retirement accounts will simply not satisfy their standard of living, or their long hoped for financially stable future.
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9 Year Mortgage is aware of the economic crisis and we highly recommend taking a fine toothed comb to your expense budgets, as you can see from our other posts, but there is another way you can help make ends meet–consider taking on a second job. Studies estimate that 27 million Americans are already taking advantage of a second part-time job, but before you take the plunge, here’s what 9 Year Mortgage suggests you consider.
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If you are seeking to balance your career and family or you just want some flexibility within your occupation, a home based business may be your answer. 9 Year Mortgage believes that a home based business may just give you that incentive to increase your income by being 100% responsible for you financial well being. If you are intrigued with the idea of being your own boss and having maximum independence within your career, then you may be the perfect candidate for a home based business. But before you quit your current job or decide to run a business while your child takes a nap, there are plenty of things you need to consider.
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In the April issue of the 9 Year Mortgage Financial Newsletter learn how to save on home and auto insurance, how you compare with the finances of the average American, and why you should be concerned about compound interest and minimum credit card payments.
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Have you noticed how many children in middle school have cell phones, and how this trend is trickling down to elementary aged kids too? By chance have you noticed the child in the store holding his mom’s iTouch and playing Angry Birds to pass the time? How about a teen glued to their TV, lap top, or gaming system? Ever seen one of them totally zoned out while walking with their ear buds in and their cell phone glued to their thumb? This is what 9 Year Mortgage calls talented multitasking! Now, have you ever shook your head at any of these scenarios and questioned what the parents were thinking?
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What teenager does not have a cell phone these days? Teens use their phones to download music, access email, and to send endless text messages to the world. To cut back on costs, suggest to your children that you will pay the basics of their plan, but they are on their own for the rest of the bill. Kids will be a lot more responsible with their phone if they know they will have to pay for overage charges, ring tones, and exceeding their texting limit.
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9 Year Mortgage realizes that credit card debt can be a heavy burden on even the strongest shoulders. It piles up day after day almost imperceptibly! After a few years you find it hard to make anything more than the minimum payment. All the while you hate seeing that the interest is racking up, leaving you feeling financially depleted—like there is nothing you can do to get back on top again.
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Now that you have filed your taxes, or are about to before Tax Day April 18th, it’s a waiting game for your refund. 9 Year Mortgage is interested in what its readers will be doing with their refund this year. Haven’t put much thought into it? Well, then let 9 Year Mortgage give you some pointers on some smart things to do with your tax money in 2011.
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If you had been on the ball right when the market crashed in 2008, you could have bought silver around $9 an ounce. Now, 2.5 years later (April 2011) silver has shot to over $40 an ounce! So if you had started to invest when the market was at its lowest, you could have quadrupled your money by now! That is only 2.5 years of investing for what would normally take you decades to accomplish through interest given to you by the bank!
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9 Year Mortgage knows it’s no secret that most Americans are struggling with their debt. Our country is in a down economy and we as citizens are scraping to make ends meet. There are many great ideas out there on how to reduce your debt, but after reading about how to do it, do you feel drained and overwhelmed? Are the debt reducing strategies more time consuming or involved than you had hoped for? Many times they are, leaving you where you were before- still in need of a solution.
We understand this is a problem and concern, so 9 Year Mortgage has compiled a list of simple things you can do that will help you save money and start to pay down some of your existing debt. These tips are simple and easy to complete! Pick a few that you feel you can conquer this month and actually do them! Take baby steps and you’ll be fine!
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For the first time ever China is about to pass the US in percentage of World GDP. Meanwhile, banks are expected to send out 3.2 billion credit card offers this year. 9 Year Mortgage also expounds on negotiating the best deals on six common fees and expenses, and the dangers of only making the minimum payments on your debts. Don’t miss out on the May 2011 edition of the 9 Year Mortgage Financial Newsletter.
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You have a mortgage and a load of other debt, and you wish it would all just go away. Why should you call 9 Year Mortgage? What makes our program different, and better, than other programs that are designed to help you eliminate your debt and prepare for retirement? Every potential client should be asking themselves these very questions, and today we’re going to answer them.
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I have wanted to retire and move to Florida for a long time but just couldn’t ever get there because of my debts. I am proud to say that in 1 year and 11 months, everything will be paid off but my mortgages. I will continue to use all the principles and money skills I have learned and want to thank the people at Nine Year Mortgage for all their help.
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Saying you will do something is one thing, but having someone behind you like Nine Year Mortgage makes it happen a lot easier. I will be out of debt in less than half the time I expected, and I will save over $120,000 in interest and future payments!
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Before finding 9 Year Mortgage we were just spinning our wheels, never making any real progress with our debts. Now we will be done in 9 years, including our mortgage!
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It isn’t new news to any of us that the housing market is currently not the best, nor do we have any promising information that is leading us to believe it will make a fast recovery. As always, regardless of the U.S.’s economic or housing situation, our lives continue to go on and moving may become necessary for a lot of us. For this reason, 9 Year Mortgage has created a “must-do” list if you are hoping to sell your humble abode for its market value, or more.
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As a truck driver, we are always out on the road and paying bills is not easy. Then on one of our runs we were passing through Utah and called in to make arrangements to stop at the 9 Year Mortgage Office. We were given a personal tour of the office. We were so impressed by your staff that we got started with the program right away. Our only regret is that we waited a year to take action.
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Over the years as we continue to increase in age, we have watched our debt slowly increase as well. We realized that if we were going to enjoy any kind of retirement we had to take action now or never. We pretty much knew the theory behind making this work but realized we’d never do it […]
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People are taking a look at their retirement account statements and realizing a startling fact–there’s just not enough money in there to retire. Your options are to save more money, invest in more aggressive funds, or to just keep working. Many are forced to just keep working.
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