A Practical Guide to Paying off Your Mortgage Early
A Practical Guide to Paying off Your Mortgage Early

Author: Lien Luu

Publisher: Taylor & Francis

Published: 2024-10-22

Total Pages: 108

ISBN-13: 1040134025

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Owning a property is a dream for many people, and borrowing from banks is often essential to achieve this. However, having a mortgage can cause real anxiety because of the latent fear of losing our home if we cannot keep up with mortgage payments. Traditionally, homeowners repay their debt over 25 years, but high house prices have made it necessary to increase the term up to 40 years to make monthly payments affordable. Spreading the debt over a longer period of time not only means that borrowers have to pay more interest, but they are also exposed to other risks such as potential interest rate rises and changes in personal circumstances affecting their mortgage eligibility. These can lead to financial worries, financial stress, and reduced well-being. There are few practical guides available to show borrowers how to manage their mortgage debt more effectively, and how to repay their mortgage quickly so that they are debt-free. This book seeks to empower consumers, young and old, by providing a roadmap to help borrowers achieve financial security through planning for the future, insuring their income, and setting up an emergency fund. It also outlines simple strategies for an early repayment of debt, including paying off the capital, making extra payments, and monitoring their mortgage debt. In doing so, it aims to help readers improve their general well-being, enhance their financial security, reduce their financial worries, and eliminate their ‘mortgage insomnia’.

Lienlord
Lienlord

Author: Eric Scharaga

Publisher:

Published: 2020-10-26

Total Pages: 170

ISBN-13: 9780578768090

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Optimize your investment portfolio using the same strategies banks do! Real estate may be a popular investment, but most investors want to avoid the stress and financial risks of landlording. The strategy behind Lienlord is simple: Individual investors can purchase residential mortgage loans secured by a lien on the borrower's home. Investing as a lienlord is a low-risk way to create reliable monthly income without worrying about stock market uncertainties, meager bond yields, or the constant headaches that come with real estate ownership. Inside this book, you'll discover: How mortgage loans compare to traditional investments The simple calculation used to lock in yield Strategies for diversification How to outsource to industry experts The due diligence, bidding, and buying process How mortgage loans and an IRA can create a perfect synergy Questions to ask before investing in a mortgage loan fund How to safely get started And more! Eric Scharaga is an expert in creating passive income through investment in residential mortgage loans. After thirteen years spent dealing with the hassles and unpredictability of landlording, he realized he would never achieve his goal of financial freedom through rental real estate. In his book, Lienlord, Eric shares his story of achieving financial independence and gives an introduction to the power of investing like a bank in owner-occupied mortgage loans.

The CSI Project Delivery Practice Guide
The CSI Project Delivery Practice Guide

Author: Construction Specifications Institute

Publisher: John Wiley & Sons

Published: 2010-12-07

Total Pages: 645

ISBN-13: 0470940190

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Get the must-have reference on standards and best practices for the delivery of a construction project. The CSI Practice Guides are a library of comprehensive references specifi cally and carefully designed for the construction professional. Each book examines important concepts and best practices integral to a particular aspect of the construction process. Laying the foundation for this series, The CSI Project Delivery Practice Guide provides fundamental knowledge for the documentation, administration, and successful delivery of construction projects. It also serves as the pivotal starting point for understanding CSI's core values, as well as a useful study aid for those wishing to obtain the Construction Documents Technologist certificate. This easy-to-follow guide: Is a great introduction to the construction process for the new practitioner. Functions as a ready reference for the experienced construction professional. Packaged with the book is an access code which allows access to a password-protected web site with bonus content, including a PDF of the printed book and samples of CSI format documents, such as UniFormat and SectionFormat/PageFormat. The CSI Project Delivery Practice Guide offers general information all construction professionals need for understanding their roles in the delivery of a construction project. Key principles are presented and discussed in detail to allow the reader to take full advantage of material covered in depth by the more specialized CSI Practice Guides. If you can own only one Practice Guide, this is the one to get.

Foreclosure Investing For Dummies
Foreclosure Investing For Dummies

Author: Ralph R. Roberts

Publisher: John Wiley & Sons

Published: 2011-02-10

Total Pages: 386

ISBN-13: 1118051327

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A practical guide that helps you thoroughly research properties, so you know what you’re getting into before you buy or bid on a property With the housing bubble of recent years bursting and interest rates on the rise, there has been an upsurge in the number of foreclosures across the country, creating many opportunities for profit. But investing in real estate foreclosures can be a tough job, especially when a negative stigma is attached. How do you make money while preserving your morals and trust? Foreclosure Investing For Dummies shows you how to invest in foreclosures ethically without being accused of stealing homes from “little old ladies.” When you approach the process in a fair-minded way, presenting homeowners with various options and offering a reasonable price for their home, you can walk away with your integrity intact—and potentially a reasonable profit, too. This step-by-step guide helps you research property, find the best opportunities, purchase foreclosures, and avoid misleading distressed homeowners. If you’re committed to success, dedicated to mutually beneficial solutions, can treat foreclosure investing as business, and you can talk to people, this book is for you, but it doesn’t promise quick profits through minimal work. This book will provide you with invaluable information to become a successful investor, including how to: Identify opportunities and understand risks Obtain information, tools, support, and resources Locate properties prior to foreclosure Assist homeowners through the foreclosure process Acquire properties below market value prior to the auction Buy property at an auction, from lending institutions, and government agencies Repair, renovate, and sell or lease property A hands-on guide with tips and strategies for refinancing your property and maximizing your profits, this book also provides advice on how to assist homeowners, have them work with you, and avoid common mistakes. It even contains an appendix that covers foreclosure rules and regulations. It’s time to go out and make the most of foreclosure investing, and with Foreclosure Investing For Dummies by your side, your hard work and devotion will bring tons of success!

Practical Guide to Estate Planning 2009
Practical Guide to Estate Planning 2009

Author: Ray D. Madoff

Publisher: CCH

Published: 2008-11

Total Pages: 844

ISBN-13: 9780808092339

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Practical Guide to Estate Planning provides an overview of estate planning, offering the widest variety of discussion on planning principles and tools from the simple to the sophisticated. This book is not lacking in detail, witnessed by its well-annotated collection of forms that will appeal to many experienced estate planners. The layout of this book reflects its emphasis on simplicity and clarity. It is divided into four major sections, the first of which provides a general view of the estate planning process.

Practical Guide to Buying Property in Mexico
Practical Guide to Buying Property in Mexico

Author: Garry Neil Musgrave

Publisher: JaliscoCondosOrg Publishing

Published: 2011-09

Total Pages: 284

ISBN-13: 0981353339

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A guide to Mexico's civil law system helps foreigners learn the property buying process. A bonus section provides tips on how to choose a real estate agent plus practical matters such as utilities, fees, and insurance.