So you’re finally at that age where you can retire, but the question is, can you? Most rush to leave the workforce, in years past up to half of retirees left their jobs by the age of 63. Because really, who wants to wait? You’ve been planning and saving and scraping for your retirement fund and now it’s finally time for you to relax and for all of that hard work to pay off. That is, if you did save and scrape and plan. A rising number of individuals in America now state that they do not feel confident that they will be able to retire by the age of 60; in fact only 13% of American employees feel confident that they will be able to live comfortably on their retirement fund. The financial doubt even reaches out to those who are already retired; over 70% have expressed worry that they do not have sufficient funds to support themselves for the rest of their retirement.
These days it isn’t simple to retire by any means but there are ways for you to get back on track with your plan. 9 Year Mortgage is here to help you take the first few steps towards the financial stability you deserve. Let’s take a look at some helpful advice and ideas to help you get to where you need to be.

Filed under Retirement, 9YM Blog by on . Comment#

9 Year Mortgage Baby

The joy of expecting a new edition to your family is astounding! What will he or she sound like? Will I see my eyes when I look at my baby, or will I see my husband’s chin? The moments after you find out this spectacular news your mind reels at what lies ahead with your little infant. You imagine a nursery full of books, colorful toys and soft blankets along with a rocking chair in a cozy corner just for you to hold and admire your new little angel. Having a baby is a remarkable experience and should be well thought out… this includes budgeting for your expanding family! You have an estimated nine months to plan and prepare, maybe less! 9 Year Mortgage is here to assist you in beginning on the right path to your new baby budget.

Filed under 9YM Blog, Budgeting by on . Comment#

9 Year Mortgage couple

9 Year Mortgage recognizes that financial issues are the most common reason for divorce in the United States of America and would like to step in and make a few suggestions. Yes adultery, abuse, addiction, those are also reasons for divorce but the standing highest explanation and root of the separation is money. Communication and understanding should always be implemented into the conversation with a loved one while discussing finances. For example do not overlook the fact that you both grew up in very different homes therefore you have learned different budgeting and saving strategies from your parents. Here are a few pieces of advice that can help you and your spouse from allowing your finances to get the better of your relationship.

Filed under 9YM Blog, Budgeting by on . Comment#

9 year mortgage cart money

9 Year Mortgage Shares 5 HORRIBLE HABITS To Conquer
Hearing the words “debt addiction” may sound like a joke given that addictions are commonly associated with food, drinking, and drugs but it is an issue that is rising in America and across the world that should be addressed. 9 Year Mortgage is here to help with 5 horrible habits that you can overcome before it develops into a bigger issue.

9 year mortgage budget

Do you begin your new year with a new budget and optimism towards your finances… only to reach December right back where you started? Some quick and easy (but different than in the past) approaches can change your entire outlook on the budgeting dilemma. 9 year mortgage has some advice that will ensure you don’t disappoint yourself this year.
Smiling While Saving With 9 Year Mortgage
Did you begin your New Year with the optimism of a new budget towards your finances… only to reach December right back where you started? Some quick and easy (but different than in the past) approaches can change your entire outlook on the budgeting dilemma. 9 year mortgage has some advice that will ensure you don’t disappoint yourself this year.

For couples nearing retirement you may want to start thinking of a strategy to help you meet your financial goals, while still having the ability to travel along as you are crossing things off of your long- awaited wish list. 9 Year Mortgage can help you get there.

If you’re having a hard time imagining yourself for the next 30 years with the same job, and in the same financial position that you are in now then it’s time to make some changes. Here are some ways to cut costs and fast forward your retirement options.

Filed under Retirement by on . Comment#

9 Year Mortgage on Renting out Spare Rooms

More often than not in today`s society, more homeowners are taking in lodgers and renting out rooms to make some extra money then one might expect. However, there are some potential problems with renting a space that a person should consider before doing so. 9 Year Mortgage has some advice on how to avoid these things and make an investment through renting out an extra room.

In the 1800s and even early 1900s it was a very common thing to have boarders in ones home. Many middle class families with extra space would rent out to make extra cash and make payments easier as well as financial responsibilities. This trend is coming back in as many American families now are starting to do the same. There are great benefits to renting out unused space. According to the Census Bureau states that unrelated adults living in anthers home jumped 12% since 2008 and in 2010 there were 7.3 million people doing this.

Why are there so many boarders in the United States these days? That is a valid question; with today’s uncertain economy and high unemployment rates, more people are delaying buying homes of their own, for these same reasons, those that have homes are starting to offer their open space to those who will pay per month to live with them which helps everyone in the long run.

There are many unwise choices to be made when it comes to retirement savings, and risks that shouldn’t be taken. See, the problem is that we live in financially unstable times, times in which people are making investments they wouldn’t normally out of fear for security, but there are other options. Here are some tips about areas not to invest or spend your money in:

Filed under Retirement by on . Comment#

9 Year Mortgage - FICO

If you’re worried about your credit score, join the club! As you know, it takes one minute to hurt your credit score and normally years to repair it. You may be in a better financial situation now than you used to be, but somehow your past two years of prompt payments has done little to raise your credit score. For years, credit repair clinics have been assisting clients who find themselves in this same predicament by using a method called “piggybacking”. In the following passage, 9 Year Mortgage will continue to discuss what this “piggybacking” entails as well as what the new FICO 08 program does to stop such actions from occurring.

9 Year Mortgage Tips on Fixing Your Finances This Holiday Season

Christmas is a time where people max out credit cards and get into debt just to please a friend or family member with a gift that in the upcoming months wont be used anymore. Let me suggest this Christmas season that you try and do things differently. Give practical gifts, inexpensive gifts, or even give the gift of financial advice.

It might come as a surprise to some that the amount of money a family can potentially save through state taxes for college savings varies tremendously on the location of the person. Although many people believe 529 plans to be the best way to save money for their children`s education in the future, there is a risk depending on where a person lives that should help determine if this plan is worth investing in.

Does the idea of reaching retirement seem impossible for you? does it provoke fear and anxiety because of debt or lack of savings? With today’s declining economy, too many people are fearing retirement and in response delaying it. But these fears can be done away with once you learn simple strategies that can help you prepare for retirement and eliminate debt. Nine year mortgage has been successfully helping thousands of people over the years become debt free and ready for retirement with confidence in a financial plan that will work for them. Read on and 9 year mortgage will help lessen your fears about retirement.

In a move that could discourage some merchants from accepting debit cards for small transactions, Visa Inc. and MasterCard Inc. are raising the fees merchants pay for small ticket debit purchases. So what does this mean? Read on and 9 Year Mortgage will tell you.

Filed under News, 9YM Blog by on . Comment#

U.S. house prices have plunged by almost one-third in five years and the nation’s home ownership rate is falling at the fastest pace since the Great Depression. Two key measures now suggest it is an excellent time to buy a house as a long-term residence or an income property. Read on and 9 Year Mortgage will tell you what to look for.

9 Year Mortgage believes over the next decade, new products, technology and adviser practices will make retirement look a lot different than it does today. The more things change, the less they will be the same. When things will change is possibly open to debate. Three of the nations leading experts recently said the changes will be radical. Curious about these changes? Read on and 9 Year Mortgage will tell you about them.

Lenders are cutting closing costs and offering other discounts to go along with low rates, but what is the catch? 9 Year Mortgage says as mortgage rates continue to fall, lenders are rolling out flashy discounts and promotions to inspire hesitant home buyers. However critics say the newest offers still stop short of the best deal for borrowers….lower rates. Read on with 9 Year Mortgage and we will give you the details.

While the option to upgrade your credit card to Gold-status is becoming more available to average bankers and the new monthly $5 dollar charge for debit card users that Bank of America has announced, it is becoming harder to decide what the best financial decision is for you and your family. If you are hearing the rumors that your bank is going to start charging you for using a debit card or you seriously considering applying for one of the five credit card applications you get in the mail daily, 9 Year Mortgage would like to discuss the options and alternatives you have to debit cards or credit cards.

9 Year Mortgage believes that one of the bigger challenges for parents of college students is teaching them how to handle money. A checking account is a necessity, as is some kind of budget for books, supplies and living expenses. Then there is the big one…credit. So how do you go about getting a credit card for a college student and what are your best options, so that they don’t rack up a ton of debt? Read on and 9 Year Mortgage will give you some suggestions.

9 Year Mortgage believes that when children move out on their own many boomer parents seize the opportunity to splurge on themselves. The way most Americans see it, is they have finally reached their empty nester years, they have gotten over life’s biggest spending hump or has their spending only begun? Are these empty nesters spending all of their life savings and putting retirement off a couple more years by splurging on themselves? Continue reading and 9 Year Mortgage will give you the answer.

It’s not shocking that home values are still falling, and unfortunately there are no reports of it getting any better any time soon. To those of you who are hoping to sell your home, for more than it’s worth, in order to buy a new one that you can comfortably live the rest of your days in, 9 Year Mortgage doesn’t see this as the attainable dream it once was. With home values expected to drop another near 3% by the years end, the luxury of making a profit on the sale of your home will be a rare occurrence. Such reality is actually causing a spark among a plethora of homeowners, who have indeed caught the “renovating-bug”.

9 Year Mortgage knows of the difficulties that plague our nation at this point in time; housing market woes, high unemployment rates, increasing gas prices, and a drastic leap in general living costs. Although 77 percent of the married couples in the U.S. both hold current jobs, there are also nearly 25 percent of families that are struggling to survive on one income. Even some of those families who are fortunate enough to have two incomes are pulling in what one person could make, so the struggles of meeting ends needs are applicable to a range of people regardless of job status. 9 Year Mortgage has compiled a list of steps that one might want to take if you are considering to start living on one income.

We’ve all heard the stories of the disgruntled children who have received nothing from a deceased parent’s will or they were only given a smidgen of what they expected. The decision of who should get what, in terms of your will, is something everyone must decide someday; for many this is easier said than done. In many cases parents want to leave a larger portion of their estate to one child over another, but there are hurt-feelings and legal issues that end up thwarting their plans. 9 Year Mortgage understands that there are numerous reasons for leaving uneven amounts to inheritors and we’d like to give you pointers on how to do this without your will causing family-drama or possible legal fees.

Worried about the future of Social Security? You are not alone. The Social Security Administration has said that unless something is done to change the system, it will go through all its funds within the next few decades. Getting worried even more? So are we! If you continue reading on 9 Year Mortgage will give you the low down.

9 Year Mortgage with Resources to Avoid Investment Scams Looking for investments with good returns and not so much risk? You are not the only one. 9 Year Mortgage says that scam artists know the  people that are hankering for such products and they are more than willing to serve up financial opportunities that, surely, […]

Not so long ago, countless jobs came with a pension, monthly checks paid upon retirement for the rest of an employee’s life. However more and more pension plans are not being offered. Pension plans are often used as retirement plans, but it is also possible to receive a pension based on disability or other circumstances. However, more and more companies are no longer offering them. Read on and 9 Year Mortgage will give you all the information you need to know about pension plans.