HERE'S SOMETHING TO CONSIDER ... Even if your home is completely paid for before you retire in 10 or 15 years or more, you will still have to pay for property tax and homeowner's insurance. With the cost of both of them going up every year, it's entirely possible that the monthly expense may be almost as much as your current house payment is!
HERE'S A TIME-SAVING TIP .... If you're an Insurance Agent or a Mortgage Broker ANYWHERE in the country, scroll down to the information on Mortgage Acceleration (with a black background), Read the information CAREFULLY, then click on the GREEN BUTTON to contact us for details.
Tax laws are changing, and understanding and utilizing these changes are very important! We've been in our profession since 1962. Over the years, we have built a loyal following of clients who appreciate our sincere interest in them and their financial future. We've helped with their small business and personal tax accounting, and with their retirement planning. Put the current tax law changes to work for you, and put most of the money you save toward your own retirement! Give us a call, and let's develop an effective and affordable financial strategy. What are YOUR financial goals?
It's never TOO EARLY to plan for retirement, but it can be TOO LATE! Social Security alone will NOT provide enough for your needs. We've helped our clients plan ahead since 1962.
Pay off your mortgage and other large loans early, then put the money you SAVE toward your own retirement plans! Let us show you just how effective and affordable this strategy really is.
John Bradshaw in his weekly TV ministry recently had a guest speaker who spoke about the "3-10 Rule." It says we need to tithe the first 10% of everything we earn, and another 10% for offerings to provide for others. Finally, 10% should be SAFELY set aside for OUR OWN future. The picture shows a person putting coins in a glass jar. Later on in the website, you'll see the jar again with a leaf growing out of the top. That's how it WORKS with MONEY! What plans have YOU made for a comfortable retirement? We don't know how long we'll LIVE, or what it will COST, but we know we need to PLAN AHEAD.
Today, far too many of us, especially our young people, are inclined to think, plan for, and spend a great deal of money on "material things," such as expensive vehicles, "big boy's toys," etc. There's nothing wrong with living a MODERATE and comfortable lifestyle, but when we live "from paycheck-to-paycheck" and have far too much debt, that's NOT good planning!
Proverbs 3:5 and 6 says...
"Trust in the Lord with all your heart, and lean not on your own understanding; acknowledge Him, and He shall direct your paths."
Take time to study God's word, and use it daily to help others.
Get in the habit of saving AT LEAST 10% of every paycheck toward your future financial security. When you START early enough, with reasonable growth , the old man or woman you'll be someday will look back in time and say "THANK YOU!"
With a background in accounting & taxation, and extensive experience in financial services, we offer many advantages. In today's UNCERTAIN ECONOMY, people really need help in achieving financial success! What will YOUR future hold?
You can find hundreds of offers today about "How To Get Rich Quickly." The ONLY people who make money are authors and publishers. We take a much different approach. YOU know a lot of people, and WE understand Goal Achievement.
Over 80% of all home mortgages in America today are 30-year fixed-rate loans. They do two things: They keep the payments lower for the buyer than many other types of loans, but they generate much more interest for lenders than most loans. How can you AVOID this problem?
In several ways. You could refinance to a 15-year loan and pay HIGH closing costs. Or, enroll in the Preferred Biweekly Payment Plan and NOT refinance, NOT pay the expense, and KEEP your present lender! You can pay for 15 YEARS and SAVE up to 60% of the interest!
Economist Harry Dent predicts that there WILL BE a long over-due "correction" in the markets VERY SOON. Economist and author, Porter Stansberry, refers to these very troubling coming events in his new book "The American Jubilee." Are YOU prepared if they're RIGHT?
Our national economy isn't as good as the economic conditions are in Wyoming. We can be very thankful for that. Still, we need to do all we can to keep EXPENSES and DEBTS under control during "good times" so that we have a MARGIN OF SAFETY during "bad times!"
Over 80% of Americans today are not certain that their retirement funds will be adequate. Some people have a 401(k) or other pension plan at work, but many don't start their plans early enough, or they under-fund them. Or, perhaps they change employers and take their funds out for whatever reason. It takes TIME for money to GROW, and the end result is they may have to postpone their retirement or settle for a lower standard of living during it. Neither of these choices is easy to live with! We help provide precious metals, a proven SAFE INVESTMENT and an excellent hedge against future inflation. With us, you'll take physical possession of the gold or silver you purchase!
Over 80% of all mortgages in America today are 30-year fixed-rate loans. If you have one of them, we can help you pay off your mortgage in less than half the time (under 15 years), WITHOUT refinancing or changing lenders! You can save thousands of dollars in interest by using a Biweekly Mortgage Program nationwide. And, if you are interested in offering the program to others as a part-time or a full-time business opportunity, we would like to talk to you about it. Anyone with a mortgage or other large loan can be a prospect for you. Your earnings are virtually unlimited! We can help you INCREASE your INCOME and DECREASE your INCOME TAX at your own pace! Give us a call.
When you consider working with a Financial Planner or other Advisor, you should take many factors into account. Not only their education, experience and their reputation, but the way they are compensated as well. Are they motivated by your interests or by their earnings? Many stockbrokers or mutual funds salespeople may suggest shares of stock or a mutual fund based on various "strategies." However, all you'll have is a PIECE OF PAPER that's a "PROMISE TO PAY." Ask yourself, "What happens if the company has serious financial problems and PART or ALL of my money disappears?" It's YOUR money and it's YOUR future. KEEP BOTH OF THEM AS SAFE AS POSSIBLE!
Most of us have two very important financial goals: own our home free-and-clear, and retire in comfort. Will your mortgage be paid off BEFORE you retire? Do you have a 30 year fixed-rate mortgage loan? After making payments for 10 YEARS, only about 15% of the principal will be paid. At age 62, 80% of us will STILL be making payments! Most loans are for a first mortgage, but at age 55, 20% of us will also have a second mortgage with 15 years of payments.
If you make regular monthly payments for 30 years, you'll pay from 2 to 3 times what the home cost. Do the math. Multiply the payment times 360 months. It's no wonder that so many people today think "Can I really AFFORD to retire when I want to on LESS income, and still make my payments?" Or "Should I just postpone my retirement, and keep working until I CAN?"
It's difficult to retire in comfort while making mortgage or loan payments. Retirement funding and accelerating mortgages go "hand-in-hand." You should work on both at the same time. If you wait on either of them, neither goal may be achieved. Accelerating loans is a VERY smart solution, but only 3% to 5% of them are paid that way. So, 95% to 97% of us pay too much interest!
It would make more sense to pay loans off sooner and put the money you SAVE in your retirement plans. We offer a VERY effective biweekly plan that does NOT require refinancing. It's a SIMPLE and PROVEN method of making automatic payments every two weeks. You gain one full payment each year (or more ), you save both time and interest and you do NOT change lenders.
ARE YOU ABOUT READY TO TAKE A SHORT BREAK FROM READING?
We have three VERY informative short videos to explain how biweekly programs work. Click on the GREEN LINK here www.BWMA.com. When the site comes up, go to the center of the page (under the Apple) and click on "Biweekly Programs." That will bring up the BWMA website. Then, click on Main Menu and then on "How It Works."
There's a LOT of helpful information there. ANY of the three videos will explain the biweekly program, but it isn't really necessary to watch ALL of them. We suggest you watch the SECOND video carefully. It's also called "How It Works." Call with any questions you have. We'll provide a FREE illustration of your mortgage, or other loan(s).
How many years until you RETIRE? You can shorten payment times to match your goals. When you enroll, we'll also include FREE lifetime annual mortgage audits to help make certain lenders are applying ALL payments correctly (and on time) every month. If you live in the Casper, WY area, click on the GREEN TAB below. We'll help you begin.
You can use these plans to help "accelerate" many types of loans, including second mortgage loans on homes, commercial loans, student loans, loans on expensive items like a motor home, large boats, or even an aircraft. Most of us think only of home mortgages when it comes to loan acceleration, but the plans work on almost ANY loan! A "rule of thumb" might be an item costing $30,000 or more, with payments for about 10 YEARS or LONGER.
Let's talk about YOUR future! Just click on the GREEN BUTTON.
We suggest you plan to pay off your home and other large loans 5 to 10 years BEFORE retirement. Why? To give you time to put an amount equal to or greater than your monthly mortgage payment into your retirement savings for even more financial security. How many years are there from today until the day you plan to retire? Do the math. If you wait too long to begin, YOU WON'T MAKE IT! BWMA says "Do what others don't do, so you can do what others can't!"
As effective and as important as these programs are, how could they be BETTER? Simply if they could be done at NO COST to you, right? The Biweekly Mortgage Association (or BWMA) who underwrites the programs, has been in business since 1984. We've worked with them for over ten years. In order to see as many SERIOUS Wyoming home buyers and real estate investors as we can, WE'LL PAY YOU $50 for everyone who lives in Wyoming that you refer to us who enrolls in a program. Refer us to ten people who enroll with us, and your's is FREE!
And, that's in ADDITION to the benefits shown on the BWMA website, such as free gift cards, etc.
If you live in the Casper, Wyoming area, call the numbers shown under the GREEN TAB (above), and we'll come to you. If you live anywhere else in America, you can enroll on the internet directly thru our website. When your enrollment forms are received by BWMA, they will be carefully reviewed to make certain that they have been done correctly. The Customer Service Department at BWMA provides exceptional service. And, you'll become an important CLIENT FOR LIFE!
Approximately 90% of the people who invest in precious metals do NOT have them in an IRA or other "qualified plan." Instead, these people are usually hard-working Americans who'll invest as much every month as they can afford, and who are skeptical of most mutual funds and the very uncertain stock market right now. When you put money into a non-qualified plan, there's no tax deductions on it. When you take it OUT, you pay only on the GAIN.
When it comes to investing in self-directed IRA accounts, including Roth IRA's, we can provide a great deal of information and assistance. For example, you can use Precious Metals, certain Real Estate, and other assets to fund these qualified accounts as long as they are properly set up and administered. In any event, we do NOT sell real estate, we do NOT give legal advice, nor do we offer securities products of ANY kind. If you have questions, call us.
Warren Buffett (with a net worth of $82.9 billion dollars), gave some excellent advice regardless of WHAT you invest in, when he said: "Don't ever LOSE what you ALREADY HAVE!" Let me add this: ALWAYS KEEP YOUR MONEY SAFE! Gold and silver have proven to be two of the most valuable and most stable investments available. They're not only a great hedge against inflation, but they provide liquidity and security against stock market and other losses.
With us, you actually take physical possession of what you buy. All orders are shipped securely and promptly to you at your home or office, or to a secure Depository for safekeeping. We'll provide all the information and answer any questions you have. We "practice what we preach," and we believe honesty and integrity are absolutely essential for your financial success.
In addition, we would like to tell you about an exceptional opportunity to not only save money on your OWN Precious Metals investments, but help others save on theirs and EARN MONEY simply by referring others to us! Click on the GREEN BUTTON at the bottom of the page to find out how to start making EASY MONEY by telling everyone you know about us.
Discreet / Cost-Effectve / Beginner-Friendly / Secure.
YOU'LL BE VERY IMPRESSED !
From early 1962 thru March of 2017, I offered life insurance, annuities and small business pension plans in Wyoming. I've also provided Precious Metals for over ten years. Today, we are affiliated with The Money Metals Exchange. They provide the experience, the products and the service our clients need and deserve. You need to know a few things about them.
First, they're NOT a "coin shop." If you are a coin collector, but not an investor, they're not for you. Second, you will be able to buy gold and silver coins and bullion on their website. Click on the link (below) to visit it. Many people today want to "get on the Internet, and cut out the MIDDLEMAN." In this case, there is NO MIDDLEMAN! You'll learn more on their site.
For example, they even have a monthly gold and silver savings plan for as little as $100 a month! If you are concerned about how to go about getting started purchasing Precious Metals, here's the way to do it. You can even put your purchases on your credit card account. If you like, you can also set up a specific monthly purchase thru a checking account, and more.
If you're a "seasoned" precious metals investor, or if you are just beginning, you'll find a lot of very helpful information on the website. One of the real concerns many beginning investors have is the fear of what might happen if they want to sell all or part of their metals QUICKLY and at a FAIR PRICE.. Their website shows current purchase price.and minimum buy-back prices
Call from 8:00 until 5:00 M/F TOLL-FREE at 1-800-800-1865.
You will have access to a number of different types and sources of precious metals thru them that help assure you of getting the best deal available every time! Whenever you are ready to make a purchase, open your own account and order directly on their website. You can call the TOLL-FREE number for guidance to get the BEST PRODUCTS at the BEST PRICES!
Their website is very well done, the information is accurate and timely, and it's EASY to navigate thru. It's very helpful and rewarding, even for a beginning precious metals investor. There's current information and excellent videos to help you learn to safely invest in precious metals, Much of it's found under "Resources" in the "Education Center."
There's also important information on IRA accounts, plus secure storage for precious metals, and more. For example, COMEX (the precious metals exchange reporting service) gives current prices on the most popular metals. It's updated every minute, 24/7. If you are interested in metals as an investment, or to refer people for them, click on the green button below.
In that regard, to receive your valuable silver "referral reward" you need to remember to ALWAYS tell Money Metals Exchange WHO YOU HAVE REFERRED TO THEM! Make sure the company has the contact information for BOTH YOU and the people you have REFERRED. Otherwise, the company has no way of knowing WHO TO PAY. The system works!
Finally, several well-known economists predict that with on-going stock market volatility, problems with the "petro-dollar" competition in China, etc., gold and silver could experience a 300% to 500% INCREASE in value by mid-2019. If that happens and stock market values FALL as precious metals values RISE, what may happen to YOUR financial security?
To learn more about safeguarding it, click the GREEN BUTTON below.
THANKS for your TIME and for your TRUST and CONFIDENCE in us!