June 2011 Archives

The International Monetary Fund has just dropped a bombshell, and nobody noticed…

For the first time, the international organization has set a date for the moment when the “Age of America” will end and the U.S. economy will be overtaken by that of China.  And it’s a lot closer than you may think. 

According to the latest IMF official forecasts, China’s economy will surpass that of America in real terms in 2016 — just five years from now.  Put that in your calendar.

It provides a painful context for the budget wrangling taking place in Washington right now. It raises enormous questions about what the international security system is going to look like in just a handful of years. And it casts a deepening cloud over both the U.S. dollar and the giant Treasury market, which have been propped up for decades by their privileged status as the liabilities of the world’s dominant power.

May2011_9YM_Newsletter1 4
According to the IMF forecast, which was quietly posted on the Fund’s website just two weeks ago, whoever is elected U.S. president next year will be the last to preside over the world’s largest economy.  Most people aren’t prepared for this. They aren’t even aware it’s that close. Listen to experts of various stripes, and they will tell you this moment is decades away. The most negative will put the figure in the mid-2020s.  But they’re miscounting. They’re only comparing the gross domestic products of the two countries using current exchange rates.  That’s a largely meaningless comparison in real terms. Exchange rates change quickly. And China’s exchange rates are phony. China artificially undervalues its currency, the renminbi (or yuan), through massive intervention in the markets.

In addition to comparing the two countries based on exchange rates, the IMF analysis also looked to the true, real-terms picture of the economies using “purchasing power parities.” That compares what people earn and spend in real terms in their domestic economies. Under PPP, the Chinese economy will expand from $11.2 trillion this year to $19 trillion in 2016. Meanwhile the size of the U.S. economy will rise from $15.2 trillion to $18.8 trillion. That would take America’s share of the world output down to 17.7%, the lowest in modern times. China’s would reach 18%, and rising.  Just 10 years ago, the U.S. economy was three times the size of China’s.  We have lived in a world led by the U.S. for so long that there is no longer anyone alive who remembers anything else. America overtook Great Britain as the world’s leading economic power in the 1890s and never looked back.


Banks expect to send out 3.2 billion card offers this year…

The 3.2 billion card offers this year is up 15% from 2010, and more than double the 1.4 billion mailed out in 2009. “Issuers are actually sending the best offers we’ve ever seen in 20-plus years,” says Anuj Shahani, the director of competitive tracking services for Synovate Mail Monitor. As an aftereffect of the CARD Act, the attractive terms you see in pre-approved offers are also more likely to be those you get, according to a study by the Center for Responsible Lending. 

Still, finding a card that offers the best of the recent changes without the costs isn’t easy. Many of the drawbacks are buried in the fine print (yes, there’s still lots of that). We dug through the cards to find the best new ones that might be worth a place in your wallet.

First, some good news: consumers have less credit card debt to wrangle. The average household owes $7,490 — 9% less than at the recession’s onset in 2008, according to Synovate Mail Monitor. Spending cutbacks have helped, but so have CARD Act provisions that allocate payments of more than the minimum toward high-interest rate debt first and forbid issuers from raising rates on existing balances in good standing, says Odysseas Papadimitriou, the chief executive of CardHub, a comparison site for credit and prepaid cards. Of course, higher interest rates overall and rising minimum payment requirements can cancel out those friendlier practices, making carrying a balance just as expensive, if not more so. And balance transfer fees now range as high as 5%, up from 3% a few years ago.

Managing debt in a post-CARD Act world requires at least two different cards: one with a good balance transfer offer and another with a low ongoing rate on purchases, just in case you can’t always pay off your monthly balance, says Papadimitriou. Right now, the most generous balance transfer deals for consumers offer at least 18 months at 0%, and charge no more than a 3% fee. With 21-month offers and 3% fees, both Citi Diamond Preferred and Citi Platinum Select fit the bill. (The 0% rate applies to purchases made during the first 21 months, too.) Discover More offers more time — up to 24 months — with a higher 5% transfer fee. But for those who need more time to pay down their debt and don’t plan to make any new purchases on the card, it could be the better deal, Papadimitriou says.

For the occasional balance-carrier, the best bet is typically the card with the lowest rate available. The Simmons First Platinum Visa currently offers a 7.25% APR, but only for people with excellent credit. For those with average credit, there are cards with average rates that cut interest rates for on-time payments and offer rewards for months you pay in full. Citi Forward cardholders see their rate drop 0.25% every three months that they pay on time and stay within their credit limit, for up to a 2% total reduction. After 0% for 12 months on purchases, the APR ranges from 12.99% to 19.99%.  The higher interest rate and short introductory offers aren’t the best deal if you’re carrying a big balance. But the rewards, including 6,000 points for making $250 in purchases within three months and 2,500 for paperless billing (combined, worth $50 in cash or $60 in gift cards), can work out better for cardholders who only occasionally don’t pay off their balance in full.

How to negotiate the best deal on 6 common fees & expenses…

1. Credit Card Rates
• Why they are negotiable: Now that most of the dust has settled following the big credit card reform act, card companies are competing fiercely again for new customers. Issuers sent out 1.2 billion credit card offers in the third quarter of 2010 — more than three times the number sent during the same period in 2009. “Use the competition to your advantage,” says Ira Rheingold, executive director for the National Association of Consumer Advocates. “Don’t jump at the first offer. You should argue for the best rate.”
• Who to talk to: Call the 800 number associated with a new card offer (or the number on the back of a current card) and talk to the customer service rep. If the rep can’t — or won’t — adjust the rate, ask to speak with a manager.
• What to say: “I’ve gotten several credit card offers with lower rates. Tell me what you can do to beat those offers.”
• Possible savings: How much you’re able to lower your interest rate will depend on your credit and payment history, as well as your credit score. In a study conducted by the U.S. Public Interest Research Group several years ago, more than half of consumers who asked for lower rates got them, with their average APR dropping from 16 percent to 10.47 percent. 

2. Mortgage and Refinancing Rates and Fees
• Why they are negotiable: “Mortgage lending has gotten difficult, which means that a lender will work hard to make a deal,” says Rheingold. And that’s particularly true for consumers with credit scores of at least 750.
• Who to talk to: Mortgage brokers or lenders at banks and credit unions.
• What to say: Get several estimates in writing and ask, “Here’s the best deal I can get. Can you beat it?”
• Possible savings: In addition to offering better rates, lenders might reduce certain fees or even waive them altogether. To negotiate the lowest out-of-pocket costs, ask for discounts on all upfront fees, including application and origination fees. According to the Federal Trade Commission’s website, comparing and negotiating mortgage fees can result in thousands of dollars of savings.

3. Home Improvements
• Why they are negotiable: “Business is slow and that means contractors are willing to haggle over their prices,” says Greg Daugherty, executive editor of Consumer Reports. Plus, the prices of many common home building materials are down as much as 35 percent from their peak in the mid-2000s.
• Who to talk to: The contractor.
• What to say: “What are the options for less expensive materials? And what discounts can you offer me on labor?”
• Possible savings: Up to 20 percent of the cost of the project, according to a new survey by Angie’s List, a website that publishes surveys and consumer reviews of service businesses. Of the home improvement contractors who were surveyed in 2010, 80 percent were willing to drop their prices to get a job (compared with 43 percent in 2008). And more than half of the contractors surveyed said they were willing to lower prices by 10 percent, with nearly 25 percent willing to drop their fees up to 20 percent.

4. Home Appliances and Electronics
• Why they are negotiable: Store managers understand that a discounted deal done today is often better than a potential deal in the future (and definitely better than no deal at all). One trick is to go first thing in the morning or just before the store closes when there are fewer customers. “A manager will hesitate to offer a discount if he thinks he’ll have to make the same deal with all of the customers who overhear the negotiation,” says Consumer Reports’ Daugherty.
• Who to talk to: A store’s manager or assistant manager.
• What to say: “I like this model. If you can give me a discount and free delivery, I’ll buy it today.”
• Possible savings: Profit margins are generally fairly thin on appliances and electronics, so getting 10 percent off is a reasonable goal, particularly if you can also get them to throw in free delivery and installation. Consumer Reports found that three-quarters of shoppers were able to negotiate a better deal on major appliances, with an average savings of $100 per appliance.

5. Cars and Vehicles
• Why it’s negotiable: Car dealerships are one of the few places where price negotiations are not only acceptable, they’re expected, notes Philip Reed, senior consumer advice editor for car-buying site Edmunds.com. But instead of trying to negotiate your purchase price down from the MSRP (the sticker price), as you might for other items, ask to see the invoice price (the price the dealer paid for the car) and work your way up from there. You can look up dealer invoice prices for free on Web sites like IntelliChoice.com, Edmunds.com, and KBB.com.
• Who to talk to: Sales staff.
• What to say: “Another dealership has given me a better price on the same model. Tell me how you can beat their offer.”
• Possible savings: It’s possible to save more than $1,000 on a new car by negotiating smartly, according to Reed. And you’ll net even higher savings by also negotiating the value of your trade-in, as well as financing terms and the cost of extended warranties.

6. Medical Bills:
• Why they’re negotiable: Patients usually assume that the cost for various medical procedures and tests are set in stone, but often they’re not. And with health care companies shifting more out-of-pocket costs onto consumers, asking for potential discounts is essential, particularly since there’s often a huge variance in costs among providers, says Angie’s List spokeswoman Cheryl Reed. In Washington D.C., for example, the price for an MRI of the right knee ranges from $400 to $1,501, according to a recent report.. You can look up average prices in your area for various procedures at Healthcare Blue Book.
• Who to talk to: The billing administrator.
• What to say: “This is a significant expense for me. Is there a discount for paying upfront or in cash? What other kinds of discounts might be available?”
• Possible savings: Fifty percent or more. An Angie’s List poll found that 74 percent of respondents who negotiated their medical bills were successful, often paying less than half of the original cost.


What is the danger of making minimum credit card payments…

Gift cards: For the person who has everything (or whose tastes you simply cannot fathom), gift cards are a safe bet. You can find cards on discount at www.giftcardgranny.com.  The site pulls prices from six gift card discounters, which buy unwanted cards from other people that they then resell for less than face value. Discounts can be as much as 50%, although most are in the 15%-to-20% range. And the rules for gift cards just became more consumer-friendly (see Gift Cards: A Better Deal Now).

Checking accounts: Banks everywhere are eliminating free checking accounts, but with a little creativity you can still avoid paying that extra $8 to $15 a month. If you arrange for direct deposit or maintain a minimum balance, or bank online and skip the paper statement each month, your bank is likely to waive the fee.  About 750 community banks and credit unions offer free checking accounts with no minimum-balance requirement. They’ll also pay as much as 3.5% interest if you use your debit card ten to 15 times a month, arrange for automatic payment or direct deposit each month, and receive your statement electronically.  www.checkingfinder.com.

Groceries: For many families, a bulging budget is the result of excess spending at the supermarket. Ditch the gourmet grocers and shop at Trader Joe’s or warehouse stores.  While you’re at it, use coupons, which you can find online (at CouponMom.com, Coupons.com and CouponCabin.com). Or, for $5.95 a month, you can get customized coupons from Shopping Nanny. Shopping Nanny recently guaranteed that if you spend more than $90 a week at the grocery store, you’ll save $40 a month using its service — or your next month’s membership is free.

Connectivity: Bundling your cable-TV, phone and Internet service can save you — dare we say it — a bundle. For example, you pay just $85 a month for 12 months if you sign up online with Verizon for unlimited local and long-distance calling, high-speed Internet service and DirecTV with DVR service. That saves $50 a month compared with buying the same services separately.

Cell-phone plans: Wireless carriers keep you tethered to them with two-year contracts and tempt you to renew with snazzy new phones or monthly discounts. But you can slash your costs with a prepaid plan, especially if you’re paying extra for text messaging and data plans.  All of the major carriers plus a number of smaller firms offer prepaid plans. Compare them at www.prepaidreviews.com/compare , then check the carrier’s Web site for more details. Before you compare plans, decide what is most important to you.

Water: A low-flow shower head is easy to install — just screw off the old shower head and twist on the new. Because it restricts the water output to no more than 2.5 gallons per minute (older shower heads send as many as 5.5 gallons per minute down the drain), you can save 25% to 60% of the water and 50% of the energy it takes to shower and shampoo you and your family. The shower heads generally run $10 to $20 a pop (some utility companies give them away) and screw into existing fittings. The new fixtures — labeled WaterSense — go as low as 1.5 gpm, saving 7,300 gallons and $30 to $100 a year over their 2.5-gpm counterparts. 

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Why is 9 Year Mortgage Unique?

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?  You should be asking these very questions, and today we’re going to answer them.

Do I need help with my finances?

Without a doubt this is the first and most important question you should be asking yourself.  If you don’t need help, you should be reading your email or catching up on the news right now.  But if you need help with your finances, 9 Year Mortgage is not only the best solution, it might be the only solution that can help, depending on your circumstances.  What does that mean?  Simply put, not everyone qualifies for the 9 Year Mortgage Financial Plan.  The typical 9 Year Mortgage client has a mortgage, some credit card debt, and car loans or other debt.  They can afford their monthly payments and they are current on all of them, they simply need some help.  If this sounds like you, then you might qualify for the Financial Plan.  So, if you qualify, why should you choose us?

Advantages of 9 Year Mortgage

To understand the advantages of 9 Year Mortgage you need to understand what your other options are.  Here are the straight and simple reasons why our program is the best thing available to help people get out of debt.

95% Client Success Rate
If you qualify for our program and are invited to start, then you will succeed.  The proof is in the numbers and we guarantee our results. While many other programs, books, etc will teach you what to do, 9 Year Mortgage also makes sure you do it.  You will eliminate your mortgage, credit cards, car loans, tax liens, personal loans–ALL of your debt.  Now that’s success–guaranteed.

One-on-One Support
The world of personal finance can be a confusing and intimidating place, and you’re going to have questions.  If you ask a finance book a question, it’s pretty unlikely that you’ll get an answer.  The same is true with software programs and seminars.  And if at some point you are able to get in touch with someone it’s either a call center in a foreign country or someone on the line with no financial experience.  Every 9 Year Mortgage client gets one-on-one support through the life of the program.  If you have a question, we have an answer.  And if we don’t know it, we’ll tap into our vast network of financial professionals to make sure you get the most accurate and sound advice possible.  It’s like having a team of financial planners working for you.  Now that’s service.

Don’t want to ruin your credit?  Don’t worry
Many companies are offering help with your debt but you have to agree to go behind on your bills or skip a few payments so they can renegotiate with your creditors.  This destroys your credit.  The 9 Year Mortgage Program is designed to pay your creditors on time and in full, so your good credit will only get better as your debt load shrinks.  The program is completely confidential and there is no public record of your participation in the plan.   Not even your creditors will know unless you want to tell them.

Goal Setting and Follow Through
Working with you we identify your personal financial goals, and then design a plan to achieve them.  Your plan coordinator will work with you to ensure your success and together you will implement the Financial Plan.  We have found that having a third party involved with your goals dramatically improves results.  (see the 95% success rate previously mentioned)

Unload the Financial Burden
Let us take the burden of financial responsibility off of your shoulders.  You can be as involved or as hands-off in the execution of your plan as you like, but let us worry about the details so you can relax.  Many 9 Year Mortgage clients are relieved to focus on their professional and personal lives knowing that their finances are now under control and on track to meet their goals.  You’re marriage and close relationships aren’t strained with the weight of knowing that your financial future rests alone on your shoulders.  9 Year Mortgage is your partner in financial security.  Now that’s peace of mind.

Financial Services Network
Our financial consultants represent the best and the brightest of the financial community, but if you need help with a product or service we don’t offer, 9 Year Mortgage has you covered.  We partner with the best companies to provide exceptional products and services at discounted prices for mortgages, insurance coverage, retirement planning, investment advice, hardship solutions, and more.

Eliminate Failure Points
There are many reasons why people don’t succeed at reaching their financial goals, and most of the time it’s NOT because they don’t know how.  We understand these points of failure and eliminate them with the 9 Year Mortgage Program.  Whether your challenge is a lack of time, financial expertise, knowledge, initiative, discipline or communication, we will help you overcome it to ensure your success.

Your professionally managed financial solution

Finally, a professionally managed financial solution to eliminate your debt, manage your finances, and prepare for retirement.  At 9 Year Mortgage every representative is a seasoned financial professional with years of industry experience.  We understand your financial challenges and we know how to solve them, and we should–we’ve been doing this since 1996.    Enrolling with 9 Year Mortgage is like having a team of financial professionals, all working for you.  You’ve been working hard your entire life, now let us carry some of the burden to help you prepare for retirement and eliminate your debt.  If you’re ready to find out how soon you could be completely debt free, give us a call or complete one of our online forms and we’ll get started right away on your financial plan.


Will 9 Year Mortgage work for me?

Not everyone qualifies or will benefit from the 9 Year Mortgage program so there is no easy answer to that question.   We are very careful with who we let into the program.  We go through a qualification process to make sure we can provide you a viable financial plan that will work before we let you into the program.  Our representatives are trained to ask the right questions and gather the information necessary to quickly find out if we can help you.  If you would like to go through this process you can Click Here to begin filling out some basic information so that a 9 Year Mortgage representative can start working on your financial plan right away.

9 Year Mortgage - Click Here ButtonTo get started with 9 Year Mortgage today!


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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.  There simply would not have been enough money left over to enjoy life after paying Bank of America and my Credit Union each month.  I had just over $25,000 in debt plus my two mortgages. So I was stuck having to continue to work.  Then I came across 9 Year Mortgage.  They designed a Plan for me that would have me debt free in 7.7 years including  both of my mortgages and it would only require an additional $80 a month!  I had more than 26 years left on my 30 year mortgage at the time.    Most important was that in the financial plan I would have everything but my first mortgage paid off in just 5 years.  This became my goal so I could retire at that time.

It was a great plan, but I got excited and wanted to do it even faster. I spoke to my Plan Coordinator about it.  He said that it would be possible to get it done even sooner if I was willing to make a few minor changes.  He helped me look at my situation even closer and through many conversations and tracking where all my money was going, we made reductions in some of my living expenses.  I have really enjoyed working with everyone involved with Nine Year Mortgage and I am proud to say that in 1 year and 11 months, everything will be paid off but my mortgages; which means I am retiring early and moving to Florida!  I will continue to use all the principles and money skills I have learned and want to thank the people at 9 Year Mortgage for all their help.  I could not have done it so quickly without you guys and am so excited to reach my goal in such a short time frame.  I wish I had known about you 10 years ago.

Thank you so much!

Sherry S.

Pennsylvania

 

Will 9 Year Mortgage work for me?

Not everyone qualifies or will benefit from the 9 Year Mortgage program so there is no easy answer to that question.   We are very careful with who we let into the program.  We go through a qualification process to make sure we can provide you a viable financial plan that will work before we let you into the program.  Our representatives are trained to ask the right questions and gather the information necessary to quickly find out if we can help you.  If you would like to go through this process you can Click Here to begin filling out some basic information so that a 9 Year Mortgage representative can start working on your financial plan right away.

9 Year Mortgage - Click Here ButtonTo get started with 9 Year Mortgage today!

Now learn how to save even more, with the 9 Year Mortgage Money Saving Minute.


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I have always had good credit and paid my bills on time.  Sometimes I was even making lump sum payments to get my debt paid down faster, but then I would get into a jam and use my credit cards again. I felt like I was in a rotating cycle that would never end and I was not moving ahead like I wanted to. I have two kids and I want to have more, so getting my debts under control is extremely important to me.  Now that N9 Year Mortgage is helping, I have been able to completely stop using my credit cards.

Saying you will do something is one thing, but having someone behind you like Nine Year Mortgage makes it happen a lot easier.  I no longer have to worry about which bills are due and when they need to be paid, it’s all taken care of for me.

9 Year Mortgage is very different from other companies and I’m excited to be working with them.  Because their plan is flexible, it has allowed me to make changes as needed.  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!

Tara  S.

Florida

 

Will 9 Year Mortgage work for me?

Not everyone qualifies or will benefit from the 9 Year Mortgage program so there is no easy answer to that question.   We are very careful with who we let into the program.  We go through a qualification process to make sure we can provide you a viable financial plan that will work before we let you into the program.  Our representatives are trained to ask the right questions and gather the information necessary to quickly find out if we can help you.  If you would like to go through this process you can Click Here to begin filling out some basic information so that a 9 Year Mortgage representative can start working on your financial plan right away.

9 Year Mortgage - Click Here ButtonTo get started with 9 Year Mortgage today!

Now learn how to save even more, with the 9 Year Mortgage Money Saving Minute.


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Before finding 9 Year Mortgage over two years ago, we were making our payments OK each month, but it seemed like we were just spinning our wheels, never making any real progress with our debts. Month after month we would make payments on credit cards, then run to the store and charge the same amount we’d just paid off!  With this program we have completely stopped using credit cards.  It was going to take us 30 years (or more) to get out of debt, but now we will be done in 9 years (or less), including our mortgage!

It’s been very encouraging to see our debts eliminated, one by one, and with a program that keeps us on track.   We really enjoy working with your staff and feel as though we have been associating with friends.  There’s still plenty of room for us to improve, but we are leaps and bounds ahead of where we would have been on our own. Thank you!

Tracy and Sylvia F.

Nevada

 

Will 9 Year Mortgage work for me?

Not everyone qualifies or will benefit from the 9 Year Mortgage program so there is no easy answer to that question.   We are very careful with who we let into the program.  We go through a qualification process to make sure we can provide you a viable financial plan that will work before we let you into the program.  Our representatives are trained to ask the right questions and gather the information necessary to quickly find out if we can help you.  If you would like to go through this process you can Click Here to begin filling out some basic information so that a 9 Year Mortgage representative can start working on your financial plan right away.

9 Year Mortgage - Click Here ButtonTo get started with 9 Year Mortgage today!

Now learn how to save even more, with the 9 Year Mortgage Money Saving Minute.


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9 Year Mortgage Hints on How to Sell Your Home Faster

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 US economic or housing situation, our lives continue to go on and moving may become a necessity 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.

For some, selling their home seems like a nearly impossible and never ending task, while others sell with ease.  The question of “Why?” arises when your neighbor’s home sells in a couple months, while yours has been on the market for over a year. The answer may be as simple as curb appeal or how the home was decorated or “staged”.  9 Year Mortgage suggests that if you think you are ready to put your house on the market, pause and take your time to make it appealing to those who are looking to purchase it.  The following is a 9 Year Mortgage guide to selling a home.

The 9 Year Mortgage Guide to Selling Your Home

9 Year Mortgage - SoldStep 1: Disassociate Yourself With Your HomeYou must let go of your emotions and realize and accept that this house will no longer be yours. Recognize that your home is where you make it, not the house; a house is just a product, much like a candy bar in a grocery store. If moving to another house seems nearly unfathomable, 9 Year Mortgage suggests that you take the time to go through each room, study it, then say good-bye. This will help allow you to look to the future with comfort.

Step 2: De-personalize – You must start to think of the house as someone else’s. To do so, 9 Year Mortgage encourages you to take down all personal items: photos, souvenirs, religious items, alcohol, or anything that may not appeal to others. The point in doing this is to allow potential home buyers to imagine their own photos and items in the house, not yours. You never want a buyer to think to themselves “I wonder what kind of people live in this home?” Instead, you want buyers to think “I can see myself living here.”

Step 3: De-Clutter – Before you even start this task, 9 Year Mortgage proposes that you rent a storage unit. Nearly every home shows better with less furniture; a home seems bigger when there is less clutter or items blocking potential walk ways. It may be wise to empty rooms completely, putting everything in storage and only adding back in a few items that will allow buyers to recognize what the room is used for.  Rule of thumb is to only leave out a maximum of one appliances on the counter top and to remove any extra leaves in dining room tables. The less there is in a room to distract the buyer, the better. Basics only.

Step 4: Remove and Replace Favorite Items – When you de-personalized the rest of the house did you forget to take down your great-grandmothers crystal chandelier or your favorite pieces of artwork? Do it now! If a buyer comes into your house and see’s items like these, they too may fall in love with them and will demand to have them with the purchase of the house, or else they’ll look elsewhere. Do not let your beloved artwork and lighting be the make it or break it portion of selling your home; instead, replace those items with generic paintings or light fixtures. This will allow the buyers to see what they potentially could get with the purchase of the house.

Step 5: Make Minor Repairs – Do not neglect repairing or replacing anything that may be broken, worn, outdated, or needs attention. A potential home-buyer who notices these minor hiccups may believe that you did not take care of the property, which may lead them to wonder about what else is wrong with the house. 9 Year Mortgage strongly advises that you do not let this fatal error of thinking the new home owners can fix it cost you selling your home. A buyer may also deduct what they think it will cost them to do the repairs from their offer. The following is a list that you should most definitely check, but it is not limited to:

  • Replace cracked floor or counter tiles
  • Replace burned out light bulbs
  • Fix doors and drawers that do not close properly or jam
  • Fix leaky faucets
  • Patch holes in the wall
  • Repaint any walls with a lot of pin holes and the dreaded children rooms or bathrooms that are painted in bright colors (Neutral and earth tone colors tend to soothe and relax buyers).
  • Replace worn out bed spreads or couch covers that will still be in the home as buyers walk through

Step 6: Rearrange Bedroom Closets and Kitchen Cabinets – More often than not, buyers snoop through kitchen, bedroom, and bathroom closets, cupboards, pantries, and drawers. If a buyer opens a kitchen cupboard and spices fall out, it leads the buyer to think that there is not enough space, even for your spices! In order to allow a buyer to believe that there is plenty, if not extra, space 9 Year Mortgage suggests that you remove 3/4 of what is in your closets and 1/2 of what is in your pantries. Another helpful hint would be to alphabetize your spices, neatly stack your dishes, turn all the mug handles the same direction, line up shoes, and hang all your shirts in the same direction (with their buttons done up and strings tied). By doing these small tasks, it will lead the buyer to believe you are organized and took care of the house prior to selling it.

Step 7: Clean, Clean, and Clean Some More – Your house should sparkle when you’re through with it (and it should be kept that way until it’s sold)! Nothing turns a buyer away like a dirty, dusty house.

  • Wash windows inside and out
  • Pressure wash the exterior of your house and the sidewalks
  • Clean out cobwebs
  • Polish faucets and mirrors
  • Bleach dingy grout
  • Re-caulk the tub, showers, and sinks
  • Wax floors
  • Vacuum daily
  • Clean out the refrigerator and freezer
  • Dust furniture: including base boards, ceiling fan blades ,and light fixtures
  • Clean out the garage
  • Replace or remove worn out rugs
  • Have fresh towels hanging (bathroom towels especially look nice with a ribbon tied around them)
  • Most importantly- Remove all smells! Your house should never smell like cigarettes, trash, cooking, musty, and especially animals. Actually, it would be best to make it seem like there was never an animal in your house-then buyers won’t have to worry about soiled carpets and lingering surprises.

Step 8: Make the Entry Impeccable – When potential buyers are waiting to come into your house they will be spending a significant time on your front porch waiting for the door to be opened, this is your first impression. For this reason 9 Year Mortgage believes it would be a great idea to make sure the paint around the porch is in good condition, that there is nothing cluttering the entry, and even a new doorbell would be a wise investment. Once this is done, take it upon your self to scrutinize your work. Go stand on the front porch as a potential buyer: do you want to go inside the house? Once you enter the house, imagine how it would look to a new buyer. Is the entrance welcoming, with just enough enticement to make you want to look at the rest of the rooms? Does it look like nobody lives in the house?

Step 9: Most Importantly, Curb Appeal – If a buyer does not want to get out her car because she does not like the exterior of your house, you will never get her inside! Keep your lawn in impeccable condition by mowing, trimming the edges, weeding the garden, and trimming bushes. Add color to the exterior of your house by planting seasonal flowers and putting fresh mulch in garden areas. Take a look at the shutters and trim, are they fading? It’s time to pull out the ladder and paint the fading portions of your house.  One other important factor is to make sure your house number is easily readable so buyers can find your house.

  • Note that curb appeal can sometimes extend further than your9 Year Mortgage own home. We all know someone, whether it’s you or a friend, who has a neighbor who neglects  caring for their home. If a buyer comes down the road and sees a street full of nice homes, except your neighbor’s who refuses to cut their lawn or remove any trash from the yard- you may be in trouble. If you find yourself in this situation, there is a way to change it! 9 Year Mortgage suggests being direct and trying to approach your neighbor in a friendly, low-key manner saying something like this “We’re going to be putting our house on the market soon, and we really want it to show well. But we’re afraid people who don’t know what nice neighbors you are might be a little put off by the condition of your yard right now. It’s so hard to keep up on everything huh? We’d be more than happy to help you tidy up a bit if you’d like.” If this approach fails or is not possible because the house is a rental property, try finding the owner and telling him or her of your concern. If all else fails, try placing a formal request with your home owners association, a local government official, or a city representative. If worse comes to worse, put up a fence or tall hedge, and do what you can to make your house irresistible regardless of neighbors!

9 Year Mortgage Sums It Up

Selling your house is not just something you should decide to do on a whim. If you are serious about being successful in your efforts to sell, remember to take the time to make your house look its possible best. As 9 Year Mortgage has mentioned, de-personalize your home to make it look like neutral territory, not a family photo album. De-clutter the house to make it look bigger and to allow the buyer to envision themselves living there. Don’t allow your family heirlooms to stay in the home while it’s on the market, it may be the deal breaker for the buyer. Why wait and let the new homeowner make minor repairs? Do them yourself and add a bit more value to the house your selling and get a bigger profit! Remember to rearrange your closets and pantries while your doing your deep cleaning, putting all unneeded items into storage. Most importantly, give potential buyers a good impression by upping your curb appeal and making the entrance grand. If multiple buyers can see themselves living in your house, it will sell in no time!

Will 9 Year Mortgage work for me?

Not everyone qualifies or will benefit from the 9 Year Mortgage program so there is no easy answer to that question.   We are very careful with who we let into the program.  We go through a qualification process to make sure we can provide you a viable financial plan that will work before we let you into the program.  Our representatives are trained to ask the right questions and gather the information necessary to quickly find out if we can help you.  If you would like to go through this process you can Click Here to begin filling out some basic information so that a 9 Year Mortgage representative can start working on your financial plan right away.

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Now learn how to save even more, with the 9 Year Mortgage Money Saving Minute.


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We called in and got your free CD but for a year didn’t do anything about it.  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.

Working with 9 Year Mortgage has been like having a personal accountant taking care of everything.  We were amazed at how fast we could be out of debt and have been able to move up that date even sooner since starting with the program.

We have been working with you now for just over a year. I really like how easy it is to go to the  internet and see our progress.  We don’t want to have to work forever and with your help at 9 Year Mortgage we will not have to. We want to be able to retire in 8 years!

Thanks for making things so much simpler for us,

Ileen and William H.     Oregon

 

To read more visit our 9 Year Mortgage Client Experiences page.

 

Will 9 Year Mortgage work for me?

Not everyone qualifies or will benefit from the 9 Year Mortgage program so there is no easy answer to that question.   We are very careful with who we let into the program.  We go through a qualification process to make sure we can provide you a viable financial plan that will work before we let you into the program.  Our representatives are trained to ask the right questions and gather the information necessary to quickly find out if we can help you.  If you would like to go through this process you can Click Here to begin filling out some basic information so that a 9 Year Mortgage representative can start working on your financial plan right away.

9 Year Mortgage - Click Here ButtonTo get started with 9 Year Mortgage today!

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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 on our own.

We didn’t want to work with any of the other companies out there that wanted us to go behind and destroy our credit.  This is our debt and we want to be responsible for it.  With 9 Year Mortgage, we have been able to stay current on all our payments and nothing has hurt our credit.  We like how we can use the same money we were already paying and put it to work for us to accelerate our debt payoff.

It’s a huge relief not worrying about overlooking a payment anymore or having to remember who has been paid.  This plan has made it easier to not over spend.  9 Year Mortgage has a great support system and has made a big difference for us.

In just two years 9 Year Mortgage has helped us not only stop going further in debt, but also to pay down our debt by just over $49,000.  What a difference this has made.

We still have a way to go, 6 years and 1 month to finish paying all the credit cards and our mortgage, but we now feel like we will make it and be able to retire when the time comes.

Terry & Jane W.    Texas

To read more visit our 9 Year Mortgage Client Experiences page.

Will 9 Year Mortgage work for me?

Not everyone qualifies or will benefit from the 9 Year Mortgage program so there is no easy answer to that question.   We are very careful with who we let into the program.  We go through a qualification process to make sure we can provide you a viable financial plan that will work before we let you into the program.  Our representatives are trained to ask the right questions and gather the information necessary to quickly find out if we can help you.  If you would like to go through this process you can Click Here to begin filling out some basic information so that a 9 Year Mortgage representative can start working on your financial plan right away.

9 Year Mortgage - Click Here ButtonTo get started with 9 Year Mortgage today!

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9 Year Mortgage on Delayed Retirement

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.

Many Americans will be working into their 80s

Depending on your income bracket, you may have to keep working even longer.  A recent study by the Employee Benefit Research Institute found that the bottom 25% of wage earners (averaging under $12,000 per year), would have a 50% chance of being able to retire if they keep working until age 84.  If you make between $31,000 and $72,000 you get those same 50/50 odds if you keep working until you are 72 years old.  One problem with these numbers is that the World Bank estimates the average life expectancy in the US to be less than 79 years.

For 75% of Americans, the only option is to keep working past 65, and for many of them, that means retirement will never be a really–they will die before they are able to retire.  If you find yourself passing retirement age without sufficient funds to stop working, you need to take an inventory of your health and your career, you may need to keep them both in shape longer than you thought.

The 9 Year Mortgage Financial Plan

Your retirement is too important to trust to chance.  If you still have a mortgage and a load of other debt, and you’re approaching the age when you’d like to retire, it’s time to call 9 Year Mortgage.  Since 1996 thousands of clients have taken advantage of the 9 Year Mortgage financial plan.  The average client is able to eliminate their mortgage and all of their debt in about 9 years.  You owe it to yourself and your family to contact 9 Year Mortgage today.

 

 

Will 9 Year Mortgage work for me?

Not everyone qualifies or will benefit from the 9 Year Mortgage program so there is no easy answer to that question.   We are very careful with who we let into the program.  We go through a qualification process to make sure we can provide you a viable financial plan that will work before we let you into the program.  Our representatives are trained to ask the right questions and gather the information necessary to quickly find out if we can help you.  If you would like to go through this process you can Click Here to begin filling out some basic information so that a 9 Year Mortgage representative can start working on your financial plan right away.

9 Year Mortgage - Click Here ButtonTo get started with 9 Year Mortgage today!

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Thank you again for helping us login so we can track our progress.  We have only been working with 9 Year Mortgage for eight months and we can’t believe that our debt has already gone down by almost $11,000!  It is so nice to have you take care of everything for us. We can’t wait until August of next year (just 14 more months).  At that time your system will have paid off all of our credit cards and our car loan so we will only be left with the boat and the house.

I wanted to be able to log in so I could show some of my family.  If they are interested do I have them call you directly?

Jennifer H.   Alabama


To read more visit our 9 Year Mortgage Client Experiences page.

Will 9 Year Mortgage work for me?

Not everyone qualifies or will benefit from the 9 Year Mortgage program so there is no easy answer to that question.   We are very careful with who we let into the program.  We go through a qualification process to make sure we can provide you a viable financial plan that will work before we let you into the program.  Our representatives are trained to ask the right questions and gather the information necessary to quickly find out if we can help you.  If you would like to go through this process you can Click Here to begin filling out some basic information so that a 9 Year Mortgage representative can start working on your financial plan right away.

9 Year Mortgage - Click Here ButtonTo get started with 9 Year Mortgage today!

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