Profit from Mortgage Loan Business

American Mortgage Loan Secrets

American Mortgage
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Learn the secrets you need to know in order to profit from a 1% mortgage loan.

While there are several different types of 1% mortgage loans, there are really only two major keys to winning with a 1% mortgage loan according to the American Mortgage Association.

The first key is to make sure the loan is set up correctly from the beginning.

And the second is to make sure you are using the loan correctly to gain the most benefit.

First, lets talk about how the loan works. Then we will get into how to set the loan up correctly so you can reap the financial rewards these American Mortgage loans have to offer.

To start with, 1% mortgage loans have payment options. Each month when you get your mortgage statement you will have the option to make a 30 year fixed payment, a 15 year fixed payment, an interest only payment and a minimum payment at 1%.

Although you are given several payment options, you should only select the 1% minimum payment.

Why Take This Route?

Because if you wanted to make a 30 year fixed, 15 year fixed, or interest only payment, you would be better off getting that type of loan. Typically, these payments are higher with a payment option mortgage loan.

If you select the 1% minimum payment your first benefit will be a significant monthly payment reduction. Your mortgage payment will likely be cut in half. Of course, this is a pretty attractive first benefit for most home owners.

To compound the effectiveness of selecting the 1% minimum payment you should save what you save. For instance, lets say you refinanced your home with a 1% mortgage loan, paid off all your credit cards, and reduced your monthly payment by $1,000 a month.

Now, if you save that $1,000 a month for yourself instead of giving it to your creditors, you will have $60,000 in cash at the end of five years – And that’s with a zero percent return.

Here is the second benefit to selecting the 1% minimum payment option:

Tax savings.

According to the American Mortgage Association, if you make an interest only payment your mortgage balance will stay the same. If you make a 1% minimum payment you are actually paying less than interest only. Therefore, you are creating deferred interest which makes your mortgage balance increase each month.

Before you get too concerned, keep in mind that deferred interest is mortgage interest and is therefore tax deductible.

Lets say your home is going up in value $2,000 a month. The 1% mortgage loan will allow you to take a small piece of that appreciation, say $500 a month, and turn it into a tax deduction.

So you are taking a small piece of your equity each month and turning it into a tax deduction. If you did not do this, all of your appreciation would be locked up in equity.

Equity is terrific and is certainly one of the many benefits to home ownership. But investing in equity will get you a zero percent return.

No one is going to cut you a check each month for the equity in your home. As a matter of fact, if you wanted to get the equity out of your home you would have to sell your home or get a loan. And you better qualify or you will not be able to get a loan.

So why not take a small piece of your equity each month, turn it into a tax deduction, and at the same time save $1,000 a month for your self? You will still have plenty of equity but with a 1% mortgage loan you will have cash AND equity.

If you do this for any length of time you will come out way further ahead financially than if you did a regular 30 year fixed or an interest only mortgage loan.

By the way, if the deferred interest is a concern, try making bi-weekly payments. Making a bi-weekly payment will reduce, and in some cases eliminate the deferred interest all together. Which means your mortgage balance would not increase.

How to set the loan up correctly:

1) The 1% payment option on these loans is only available for the first five years. But you could actually keep one of these loans for 30 or 40 years. If you select a 40 year loan your monthly payment will be lower but the payment options will not last for five years. The name of the game is to keep the 1% payment for as long as possible. So get a 30 year amortization.

2) The 30 year, 15 year and interest only payments are tied to an index. Select a slower moving index like the MTA (Monthly Treasury Average) instead of a faster moving index like the Libor (London Inter-Bank Offered Rate).

So how can you lose with a 1% mortgage loan?

Answer- depreciation.

If homes in your area are rapidly going down in value, deferred interest could cause you to become upside down in the home.

But if your area is experiencing a 3% to 5% rate of appreciation and you save what you save by making the minimum payment, a 1% mortgage loan can have an incredibly positive impact on your financial future.

For more information about 1% mortgage loans and other mortgage related topics, please visit:

https://American-Mortgage.org

 

Sell Your Life Insurance Policy for Cash

Selling Your Life Insurance

Selling your life insurance policy could save you from expensive premiums and lapsing. You should first learn what to do before taking this action.

single life settlement option

Things You Need to Know Before Selling Your Life Insurance Policy

There are a number of reasons why a senior may choose to sell their insurance policy to a life insurance broker. Some of these reasons include qualifying for Medicaid, planning for retirement, or just no longer needing a policy. A very common cause is that life insurance premiums are becoming too expensive to pay for with a limited budget.

What Happens When Premiums Can’t Be Paid

A premium can get so expensive that you won’t be able to afford to pay them anymore. When a premium is not paid, the insurance provider could stop providing you with coverage. They might even take away your death benefit. If you know that you can’t pay your premiums, then you could sell your policy before this happens by taking advantage of fixed amount settlement option.

The Types of Life Insurance Policies That Qualify for Being Sold
You must first learn what kind of life insurance policy you have. The types that can be sold are term, universal, and whole life insurance policies. If you are unsure, then check with your financial advisor or policyholder. Once you know you qualify, you can sell your life insurance policy.

How a Life Settlement Is Done

When you sell your life insurance policy to a broker, you’re receiving more money than the cash surrender value of the policy. At the same time, it’s less than the total death benefit. The death benefit is then owned by the broker. You could talk with your financial advisor about making a split decision. You may not have to give up the entire value of the death benefit if you want to save some for your children. Understand that eligibility may vary, especially if you’ve had that policy for years.

In addition to helping you gain more money right now, a life settlement can prevent you from losing coverage and your whole death benefit. You could save yourself from spending too much on premiums, provided you have the right kind of policy. If you want to sell your insurance policy, then be sure to contact your financial advisor or a life insurance settlement company so they can set you on the right track.

Internet Millionaires Online

Online Millionaires

Internet millionaires don’t acquire their wealth and success by luck of the draw. They know the secrets to success. These secrets are so valuable that if you implement them, you will succeed in your own Internet business and make money online fast.

There are two general types of secrets that Internet millionaires know which include external and internal secrets. We will discuss these secrets in detail in hopes that you will use them to your advantage and become an Internet millionaire yourself.

make money online fast

First, let’s look at the external secrets that Internet millionaires have in their tool kit.

Internet Millionaire Secret #1:

Internet millionaires recognize that strategy should be the foundation of any marketing plan. It is critical to have a marketing strategy and not just jump into marketing techniques. For example, we don’t have to use mass advertising anymore because mass advertising doesn’t have strength because consumers have choices. You would have wasted valuable time and money if you used mass marketing techniques without first strategizing about the state of the market.  It’s imperative that you learn to make money online with the right strategies if you want to succeed.

Internet Millionaire Secret #2:

Internet millionaires are not generalists. They focus on selling their products and services to specific niche markets. The business market in general is going in the direction of niche markets because customers have more choices regarding places to buy their products.

Internet Millionaire Secret #3:

Search for and grab untapped markets. Seek out people that have not been able to have access to your product in the past. In untapped markets, you don’t have to deal with competitors which helps keep the marketing costs down. In addition, you will be able to establish a rapport and trust with your customers.

Internet Millionaire Secret #4:

Your back end strategy is crucial to success.
You want several profit centers that allow you to sell your products and services to more customers. The back end part of your company supports these profit centers. It diversifies your business so you are bringing in money through many different areas. You can’t rely on retiring early if you only have one profit center.

Internet Millionaire Secret #5:

Try to automate as many services as possible. This will allow you to sell services 24 hours a day 7 days a week online. Automate your service centers to cut down on costs and help your customers at all hours of the day.

Internet Millionaire Secret #6:

Set up your business so that you are replaceable. You can make yourself replaceable by branding. Branding encompasses yourself or the value that you provide. Branding yourself is lucrative, but it doesn’t allow you to take a break because you have to make every decision. Branding your value, on the other hand, sells your expertise and not your time and is a very valuable asset if you want to learn to make money online.

Internet Millionaire Secret #7:

Don’t work alone; build a team to support your business venture. Create a team of marketing, business, a mentor and accountability individuals. Remember, two heads are better than one so you can discuss ideas and strategies you have for your business.

Internet millionaires also have internal secrets. An Internet millionaire has self confidence and believes in their product. They are able to make decisions quickly. They have learned the correct information and modeled others that have proven success. They are not afraid to make a mistake and realize that their job doesn’t define who they are. One of the most vital secrets is that Internet millionaires persevere and never give up no matter what obstacles cross their path.

Sell My Life Insurace

Selling Life Insurance Policy

Instead of letting a life insurance policy lapse, it may be easier to sell it for cash. Learn more about how the process works with a single life settlement option.

A Guide to Selling a Life Insurance Policy

Having a life insurance policy is important for many people because it helps families cover expenses after the death of a loved one. However, there may come a time when you can no longer afford to pay the premium or simply don’t want or need the coverage anymore. Instead of paying for something that you don’t want or need, it could be possible to liquidate it.

single life settlement option

Who Can Sell a Life Insurance Policy?

As a general rule, you must be 65 or older to sell your policy. However, exceptions can be made for those who have a terminal illness or in the event that a life insurance purchaser feels like a deal is worthwhile. While policies of any amount can be sold, those that have a value of $100,000 or more tend to sell the fastest.

What Types of Policies Can Be Sold?

Most brokers or insurance providers who buy policies prefer to purchase universal or whole-life policies. However, it is possible to find a buyer for a term-life policy or other types of policies that only provide coverage for a defined period of time. Typically, whoever acquires the policy is mostly concerned about getting more in benefits than what they will pay out while you are still alive.

What You Should Consider When Selling a Life Insurance Policy?

When you choose to sell a life insurance policy, it is important to know that the proceeds received from the sale could be taxable. However, any death benefit that is passed on to your beneficiaries is given to them tax-free. It is also important to consider that fees and commissions could reduce the amount that you get from the sale of the policy.

Selling a life insurance policy can be an effective way to make money in a short period of time. It may be possible to use that money to finance your retirement, take care of your children or create a liquid savings account. Whether you are interested in selling now or sometime in the future, it is always a good idea to know what your options are with a fixed amount settlement option.

Life Insurance Settlements

Life Insurance Settlements

 

Learn three reasons why taking life insurance settlements while you are still alive makes sense if you’re a senior and you can receive a lump sum payment with a single life settlement option.

Reasons to Settle Your Life Insurance While You’re Still Alive

Many seniors fail to realize that they can enjoy some of the proceeds from a life insurance policy while they are still alive. While the payout will not be as high as that given to their heirs upon their death, it is still often more than the cash surrender value. In many cases, life insurance settlements may be 20 percent of the policy’s face value. Here are some reasons that a senior might want to cash in their life insurance policy:

single life settlement option

It’s No Longer Needed

Many adults bought life insurance policies to make sure that their families were taken care of if something happened to them. This made a lot of sense at the time, but now the children have grown and become independent adults who do not need the money. Therefore, the senior may want to consider the impact that selling their policy could have on their own lifestyle.  One option you may want to consider is a single life settlement option.

It’s Reaching the End of the Coverage Period

Adults who bought term life insurance policies may be unaware that these policies have a finite coverage period. Many agents may suggest that you convert your policy to a different type of life insurance. For many seniors, however, it makes more sense to take the percentage of the face value and use the money for living expenses. Stop and think for a moment what difference 20 percent of a $1 million policy could do for your retirement plans by taking advantage of fixed amount settlement option.

It’s Hard to Make Payments

You may have struggled to faithfully pay your life insurance payment each month, but that struggle may be getting even harder. You may discover that your Social Security payment never seems to reach far enough, or perhaps you want to set aside some of the money to take care of final expenses while enjoying the rest of it. Instead of continuing to struggle, consider selling your life insurance settlement. You may discover that this gives you the money that you need to enjoy life well into the future.

Life Settlements

Life Insurance Settlements

Learn three reasons why taking life insurance settlements while you are still alive makes sense if you’re a senior.

Reasons to Settle Your Life Insurance While You’re Still Alive

Many seniors fail to realize that they can enjoy some of the proceeds from a single life settlement option for life insurance policy while they are still alive. While the payout will not be as high as that given to their heirs upon their death, it is still often more than the cash surrender value. In many cases, life insurance settlements may be 20 percent of the policy’s face value. Here are some reasons that a senior might want to cash in their life insurance policy:

single life settlement option
It’s No Longer Needed

Many adults bought life insurance policies to make sure that their families were taken care of if something happened to them. This made a lot of sense at the time, but now the children have grown and become independent adults who do not need the money. Therefore, the senior may want to consider the impact that selling their policy could have on their own lifestyle.

It’s Reaching the End of the Coverage Period

Adults who bought term life insurance policies may be unaware that these policies have a finite coverage period. Many agents may suggest that you convert your policy to a different type of life insurance. For many seniors, however, it makes more sense to take the percentage of the face value and use the money for living expenses. Stop and think for a moment what difference 20 percent of a $1 million policy could do for your retirement plans.

It’s Hard to Make Payments

You may have struggled to faithfully pay your life insurance payment each month, but that struggle may be getting even harder. You may discover that your Social Security payment never seems to reach far enough, or perhaps you want to set aside some of the money to take care of final expenses while enjoying the rest of it. Instead of continuing to struggle, consider selling your single life settlement option life insurance policy. You may discover that this gives you the money that you need to enjoy life well into the future.

Opiate Addiction Rehab Center

Opiate Addiction Rehab Center

Opiate abuse and addiction can be hard to overcome on your own, but recovery is possible with the help of an inpatient opiate addiction rehab center.  Qualis Care are one of the drug rehab centers in Louisiana that accept Medicaid.

Inpatient Treatment for Opiate Addiction

When opiate use spins out of control, a rehab program can help. If you or a loved one needs help to break free from heroin, morphine, or prescription painkillers, a stay in an inpatient treatment facility can provide the fresh start that is needed for recovery.

Prescription painkillers can be useful. However, they can also be abused. Rehab is important if you have started using opiates in ways that they weren’t intended. Opiate abuse may also involve using larger or more frequent doses than the doctor prescribed. It is easy to become addicted to these drugs.

Inpatient Drug Rehabs in Louisiana that Accept Medicaid

Opiate Withdrawal

If you have become addicted to opiates, it can be difficult to stop using them on your own. Your body may go through withdrawal symptoms when you stop taking the drugs. These symptoms can include insomnia, aches, and stomach upset. Because withdrawal is unpleasant, it is easy to give up if you don’t have support.

Withdrawal and detoxification are necessary for recovery, however. Pushing through this phase will set you on the road toward freedom from opiates.

In an opiate addiction rehab center, you will be supported by caring professionals who are experienced in helping people just like you through withdrawal. They’ll equip you with the encouragement and tools to help you keep going, even when withdrawal is tough.

After Opiate Detox: Find the Help You Need To Live Drug Free
The period in which your system is cleared of opiates is known as detox. It is the beginning of the rehab process, but it should not be your entire treatment.

In an opiate addiction rehab center, you can continue your recovery by moving on to the next step of treatment. Through therapy and other support programs, a team of knowledgeable professionals will help you learn to break the patterns that contributed to your opiate addiction.

Your time at the treatment facility will help prepare you for life after rehab. You will be equipped with tools for making drug-free choices as you go about your everyday life and now Qualis Care is an inpatient drug rehab Medicaid facility.

With supportive treatment, you can find hope for a future that is free from addiction to heroin, morphine, or prescription painkillers.

Drug Rehab Near Me

Drug Rehabs

Find out how a drug rehab center that is located close to where you live could help you to end an addiction and start living your life to the fullest.  Qualis Care are one of the drug rehab centers in Louisiana that accept Medicaid and offer inpatient immediate services.

drug rehab centers in louisiana that accept medicaid

Start Your Drug Rehab Treatment Today

When you realize that you have an addiction, it is time to get started with drug rehab as quickly as possible. Realizing that you have a substance use disorder is the first step toward recovery. Let us help you live a drug & alcohol free life you’ve always dreamed of. If you have wondered, “How can I get help from a drug rehab near me?” the answer is clear. We offer an intensive inpatient drug rehab program that is customized to each person’s needs.

How Drug Rehab Works

Drug rehab New Orleans addiction centers aims to break the cycle of addiction. The first step of it is an assessment of your physical and mental well-being. This assessment provides our addiction-medicine specialists with the information that is needed to customize your care and make an individualized treatment plan for your stay with us. The program includes a physician-supervised detox, individual counseling, group counseling, supportive aftercare and it is one of few drug rehab centers in Louisiana that accept Medicaid.

What Are the Benefits of a Drug Rehab Near Me?

Starting a drug rehab program is a big first step toward living a life free of drugs. To make that step go as smoothly as possible, choosing a drug rehab center that is close to where you live is a wise option. The logistics of getting to a nearby center are easier. If you would like visits from your family during your rehab treatment, it will be easier for them, too.

Who Should Consider a Drug Rehab Program?

Anyone who has a substance use disorder should consider a drug rehab program. Perhaps your family has encouraged you to seek treatment for a substance use disorder. Maybe you would like to move past your addiction and start working toward your dream of a career or satisfying personal relationships. We assist people from all communities and all walks of life. Our conveniently located center is ready to help you to live a life free of addiction. Today is the day to start your drug rehab and put an end to the addiction that has stopped you from living the life that you want.

90 Day Rehab

90 day rehab

During a 90-day rehab program, you have time to acquire valuable skills that will help you live a drug-free life.

For Extended Treatment, Enter 90-Day Rehab

Addiction recovery is a process that requires a time commitment. First, you must clear the substances from your body. Next, you must retrain your brain and body to operate in healthy ways.

Because recovery is not an overnight process, you need a treatment program that will allow you the necessary time to get well. In a 90-day inpatient drug rehab medicaid program, you will receive three months of inpatient treatment, during which you can go through detox and complete additional steps of the recovery process.

drug rehab centers in louisiana that accept medicaid

Extra Time to Learn New Ways of Thinking

Detox and withdrawal are important parts of the recovery process. These are how your body begins to live without drugs. However, detox alone has not been proven to be a sufficient treatment regimen for most people.

Detox must be followed by additional treatments and therapies that will help you break the patterns of drug use. The things that you learn in rehab can help you make different choices after you leave the residential facility. During a 90-day program, you will have many helpful weeks of workshops, exercises, 12-step programs, studies and therapies to help you get well.

90 Days for a Second Chance

Addiction is a chronic disease. It is not uncommon to relapse after a period of being drug- or alcohol-free. This doesn’t make you a failure. It means that you need to go through treatment again, perhaps using a different approach.

A 90-day rehab may be the right choice for relapse treatment. Such a program gives you three months to learn and practice new skills for drug-free living. The longer you stay in rehab, the more distance you can put between your old life with drugs and the new life you plan to live when you go home.

Ninety days of treatment can also be valuable for people who have been living with addiction for a long time. Long-held habits and patterns can be hard to break, but during a 90-day program, you will have ample time to work with program staff and therapists to help prepare you for life after rehab.

Qualis Care is committed to your drug recovery. Get started on your road to recovery during a 90-day inpatient rehab program.  Also, Qualis Care are one of the few drug rehab centers in Louisiana that accept Medicaid.

Drug Rehab Centers Medicaid

Drug Rehab Centers That Accept Medicaid

Addiction to drugs or alcohol can interfere with everyday life. Luckily, help is available at drug rehabilitation centers.

inpatient drug rehab medicaid

Addiction Recovery Begins With Rehab Centers

Drug addiction is a difficult challenge to overcome. On your own, you’ll probably struggle to break free. Instead of trying to beat addiction by yourself, turn to the help of drug rehab centers.

The professionals who staff a rehab center understand what you or your loved one is going through. They are on your side to help you overcome drug or alcohol addiction and the struggles that come with this disease.  Qualis Care offers inpatient drug rehab Medicaid.

Signs of Addiction

How do you know whether drug rehab centers are right for you or your loved one? Look for the signs of addiction.

People who are addicted will go to great lengths to obtain and use drugs. They may hurt those that they love or do things that they would have never dreamed of doing outside of their addiction. They may also run into financial issues because they spend all their money on drugs.

Those with addiction issues may struggle with performing well at work or school because they may no longer care about putting forth a good effort. In fact, it may seem that they no longer care about anything, including the people they love.

Addiction can be detrimental to a person’s overall mental health. Often, people dealing with drug abuse show signs of anxiety or depression.

If this describes you or someone you care about, you can find the help you need. Qualis Care is committed to your drug recovery and are one of few who offer inpatient drug rehab Medicaid programs.

The Drug Rehab Experience

Recovery from addiction can be challenging, but in rehab, you can go through recovery in a safe, supportive environment. Inpatient drug rehab centers are designed to separate you from the influences and stresses of daily life. While you’re in rehab, your meals are prepared for you, and you can lean on the support of others in a similar situation as yourself.

The therapists, medical professionals, and other staff understand what happens to your body and mind as you learn to live without drugs. These people help you endure detox and withdrawal. Next, they provide therapy and tools that will help you retrain your brain to break free from addiction.

If you’re ready to start working toward recovery, let us help you live a drug- and alcohol-free life you’ve always dreamed of. You don’t have to try to beat addiction alone. You can find help at a drug rehab center.

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