Top Personal Financing Services in Temecula, CA
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Rock Solid Wealth Designs
By Orr & Associates Insurance Services June 23, 2010
Thanks for your connection with Orr & Associates Insurance Services, the place where your protection is our business. If you are interested in a quote for your business insurance please call 800-460-1499. ...read more
United First Financial - The Dynamic Payoff Team
By Orr & Associates Insurance Services June 15, 2010
Thanks for your connection with Orr & Associates Insurance Services, the place where your protection is our business. If you are interested in a quote for your business insurance please call 800-460-1499. ...read more
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Wealth Accumulation Seminar in Murrieta CA June 17th
I would LOVE to have you join me at my Wealth Accumulation Lunch and Learn on Thursday June 17th, 2010 from 11:30AM-1:00PM at the Murrieta Chamber of Commerce at 41870 Kalmia Street, Suite 110, Murrieta, CA 92562.Will you join me?Allow me to show you how to recapture all the principle and interest that is currently flowing away from your business' cash flow making lenders wealthy.Would you like to be able to invest in real estate with a loan that requires a phone call and the only question you have to answer is where would you like the money sent instead of four pages of information, a blood and urine sample, and day or weeks or hoping to get a positive response?Would you like to learn how to fund your children's college expenses or weddings without sacrificing your own retirement?If I could show you how to recapture ALL the annual expenses of running your business is it worth a hour and a half of your time?Would you like to see how simple it really is to build a legacy to pass on to your children or a cause you love and support?Please RSVP to bonnie@retirement-planning-tools.comas seating is limited and lunch is on me! ...read more
By Rock Solid Wealth Designs June 15, 2010
Building Equity Even in a Bad Market
What Exactly is “Home Equity”?The equity in your home is the difference between what your home is worth is today’s market and how much you currently owe on your mortgage. For example, if your home’s current appraised value is $200,000 and you owe $100,000 on your mortgage you have $100,000 in home equity. Your LTV or loan-to-value would be 50% LTV. If you currently owe $220,000 on your mortgage you would have negative equity. That is not an uncommon problem right now.You can build equity slowly over time or speed up the process. How can you put your home equity to work for you? The current real estate slowdown will eventually pass and when the housing market recovers homes will begin to appreciate again.One option is to put a larger down payment on any home you plan to purchase. You start out with greater equity.Another option is to keep your home well maintained and stay on top of all needed repairs. That is a must if you don’t want to lose equity. Then consider upgrades for your home. There can be significant differences in the appraised value of “model-matched” homes because of upgrades and condition between the two. Check with local real estate agents and property appraisers to learn which home improvements give you the greatest bang for your buck. Refinancing to a shorter term mortgage is a very common action taken by people actively looking to build home equity faster. There are several hidden factors in refinancing that may need to be considered to determine if this common strategy is best for one’s financial goals and needs. See The Myth of Refinance Savings at http:www.paidofffaster.com. For many who do have negative equity this is currently not an option.There is another option available today to be proactive in building home equity while avoiding the pitfalls of a potential refinance. Learn more about theMoney Merge Account program to build home equity even in a down market. Don’t give up hope. Options are out there. It is always a win to increase your net worth by building greater equity. ...read more
By United First Financial - The Dynamic Payoff Team March 02, 2009
Give Yourself a Raise in 2009!
Anybody who doesn’t have finances in their 2009 goals or resolutions? It isn’t as hard as you think toMAKE MORE MONEY! Walk into work tomorrow morning and make a simple adjustment on your W-4 withholdings and immediately increase your take home income by potentially several hundred dollars a month! If you’re like most people, you overpay the IRS every year so they have been sending you a tax refund every year. Sound familiar? And most people are so happy to receive a big fat check. What is wrong with this picture? A big refund means you gave Uncle Sam an interest free loan all year. Why would you want to give Uncle Sam an INTEREST FREE LOAN? Wouldn’t you ratherearn intereston your own money or have access to that money toavoid paying intereston purchases financed because you didn’t have your income available due to the wonderful “forced savings” plan you have through the IRS? Don’t most savings plans include the option to earn interest? It is crucial to understand the major difference between those who know the rules and those who don’t. Most people… 1. Work 2. Pay taxes 3. Spend what’s left over (not much these days) The financially informed… 1. Work or have money/people working for them 2. Spend and invest all they need to increase their net worth 3. Pay taxes on what is left over The financially uninformed pay taxes FIRST, on the full amount they earn. The financially educated pay taxes LAST. Educate yourself in regards to the rules. Here is the “secret” that more and more people know by experience Start a home based business. Find something you are passionate about that allows you to makea profit from home. You will save money on gas, keep the highways cleaner and less crowded, save on child care, and legitimately enjoy the tax benefits the IRS extends to business owners. Many people are simply unaware of the thousands of dollars they are losing every year by not having ahome based business. Once you understand the money that can be saved just by minimizing your number one expense in life, TAXES, it may be something to consider. Most home based businesses are very inexpensive to start. Most range from about $100-$1000 unlike franchises which cost much more and has a far greater overhead. Of course do your due diligence to determine thebest home based businessthat interests you. Be willing to invest your time, energy, and effort. Alegitimatehome based business is in business to produce a profit, not just take write-offs. This can be started on a part time basis as you continue your job and built up with consistent effort even if it starts out with fewer hours. With corporate America downsizing this is an opportune time to secure something for you. You may even like your new boss and be rewarded for what you are worth! A write-off means the IRS allows for reimbursement for a portion or all of the cost you spent. Here are some expenses that can be write-offs… your cell phone your home phone home gas/electric bills dinners and entertainment your gasoline your car and related expenses seminars books, cd’s and other educational items part of your mortgage or rent, office supplies, business trips and much more Imagine what you would do with potentially an extra $3,000 to $6,000 a year in income? And that doesn’t include the income generated from the business itself. The $3,000 to $6000 represents possible tax savings alone! An extra $500 a month can make all the difference for many households in America. Happy New Year and make this your year to enjoy more of the fruit of your labors ...read more
By United First Financial - The Dynamic Payoff Team January 21, 2009