Stop Sitting on Your Assets

Most Expensive Mortgage? It isn’t what you think...

What kind of mortgage do you have?  A 30-year fixed? 15-year fixed?  Well, if you do … your bank loves you.

Those old traditional 15-year, pay-it-off-quicker type of home finance tools are excellent for your bank’s bottom line. It’s evident because they offer slightly lower rates to lure you to take them. The shorter time they tie up their invested cash, the lower their risk of market change. They know time has a large affect on money, so they want to tie up or lock in their money for shorter terms whenever possible.

Banks also love bi-weekly payments. Most banks servicing your mortgage will happily set up a bi-weekly payment plan for free. They want movement of cash toward them whenever possible.

Money received today is worth far more to banks than money received tomorrow. That’s a basic fact of finance.

But isn’t it funny? Most borrowers don’t know this and the bank certainly isn’t going to tell them. The effects of inflation and the shrinking of a dollar over time make banks want to scramble for cash now. They know future dollars will be worth much less.

Wouldn’t it, therefore, make sense to put off paying for your house as long as possible? If you could buy a house for $300,000 today and delay handing over that $300,000 cash until 30 years from now, wouldn’t those dollars look like a wool sweater after going through the dryer by then?

You’ve probably heard your older relatives talk about buying a steak for a nickel or a car for $1000.

“The dollar ain’t what it used to be” … and the future holds the same fate.

Time is your greatest ally when it comes to accumulating our life’s wealth. So should you build your wealth or eliminate debt by paying off your mortgage? While the bank is growing stronger and receiving a slow and steady monthly cash infusion, you are doing away with your own opportunities to invest your valuable dollars elsewhere. Your personal wealth is not being enhanced in this process.

To learn more about how to maximize your mortgage for optimal wealth read page 148 in Chapter 8 of
Stop Sitting on Your Assets.

There you’ll learn how to leverage your cash and tax deductions to make the most of your money and increase your wealth.

Well ... if you had your personal copy of Stop Sitting on Your Assets today, you could have your hands on these great strategies outlined for you step-by-step inside the book ... right in front of you ... all in one place.

Don’t wait any longer.

Don’t send another unnecessary dime to the IRS.

But more importantly, certainly don’t send another unnecessary dime to your lender.

Read this book first!

Begin by listening to the online preview of Stop Sitting on Your Assets

It's always nice to receive a gift from a friend!

So ...

let your friends and family in on this valuable information, don’t forget you have the power to instantly send several GIFT copies of the preview book. If they aren’t readers, remember … even this preview includes full color illustrations AND an imbedded audio book. They can just listen while they work or play.

Your Deal of the Century

The truth of the matter is that mortgage money is absolutely the cheapest borrowing you can get today. Even with all the media about the mortgage industry issues, it still can't be beat as the source of low cost cash.

Because the quasi-government agencies standardize the huge pools of mortgages on the market, mortgage-backed securities (MBS) become attractive investment vehicles for institutional money.

This means pension funds, insurance companies and banks make billions of dollars available for mortgages. In short, the money is there and readily available for you to borrow.

The money is available at the low cost and is also highly liquid.

Liquidity created by this massive source of money along with a competitive marketplace make this type of borrowing extremely cheap compared to any other kind of financing you could ever acquire. Even though mortgage borrowing has become a little more difficult these days, it is still the lowest cost borrowing you are going to find anywhere.

The home loan market created in our modern mortgage industry provides readily available money that is traded just like stocks and bonds.  This highly liquid environment is the reason for such low rates. With cheap money so easy to get, you the consumer are the winner.

Let’s take a look at just what a great deal this really is:

Let’s say you are in a combined federal and state tax bracket of 33% and your mortgage interest paid in one year is $10,000. That money spent on interest didn’t cost you $10,000.

When the smoke cleared, you really paid only $6,667 because the IRS sent you a refund for 33% of it. Our government encourages homeownership so the cost of mortgage borrowing can be deducted from your income at tax time.

No other personal borrowing you do will give such a marvelous benefit.

There are even mortgages out there where the entire payment can be deducted. These are called interest-only loans. Combine tax deductibility with low market rates and the availability of mortgage instruments where your entire payment can be deducted from your income … you end up with a sure bet in wealth creation.

What’s the number one reason mortgage financing leaves all other forms of financing in the dust?

It’s the great tax advantages offered by good old Uncle Sam.

Those with Real Wealth Vision™ use all tools available to create and enhance their life’s wealth. Stop Sitting on Your Assets doesn’t just outline these tools for you, it tells you step by step how to take advantage of them to build incredible wealth, the kind of wealth you’ve only imagined until now.

Stop imagining it and start living it.

To get your hands on a full version digital audio book of Stop Sitting on Your Assets, by going to my website or visiting Amazon.com.

If you’d like some great dinner conversation, stay tuned for next week’s lesson. Not only will you find out why the inventor of chess lost his head, but you’ll also get some great insights into building your wealth the way the wealthy do.

Before you forget and get caught up in the excitement of seeing your financial status improve by leaps and bounds, don’t forget to send your loved ones a no-cost GIFT preview copy. It costs you nothing and you’ll be giving them one of the most valuable resources
they’ll ever see.

How to Profit from the Rise and Fall of Interest Rates

Over the course of your life, you’ll probably experience times with high rates and with low rates. This happens because interest-rate markets are cyclical.

This is very normal and something you can capitalize on.  By now, from your own experience, you may have noticed that when the interest you’re receiving is high, the borrowing rates are also high.

Conversely, when interest income is low, borrowing rates are low. Since these two sides of the equation mirror each other, the H.E.R.O. Solution™, which is explained in “Stop Sitting on Your Assets,” will work pretty much all the time.

For example, let’s say you set up your own plan and, after a few years, mortgage rates fall. It’s quite simple to refinance your balance into a lower rate and, possibly, pull out even more equity.

In fact, refinancing and getting your idle cash out every few years is a fantastic strategy, which is discussed in depth in Chapter 5 of "Stop Sitting on Your Assets."  

In an environment when the borrowing rates go up, and you are locked into your loan rate for a decent amount of time, you’ll have the chance of receiving higher yields resulting in an improved spread on your arbitrage.

Of course, any time the stock market does well and you are indexed to that market return, your arbitrage is quite dramatic.

In each of these scenarios, because interest-rate markets on the borrowing side and the lending side tend to move together, your H.E.R.O. Solution™ plan should continue to work well for you in most all environments over time. 

Sure, once in a while you’ll have a brief time when the stock market is taking a hit … but if you’re in the right vehicle, your asset account is protected and will never lose a dollar due to market loses.

The H.E.R.O Solution™ plan is introduced in Chapter 5 of "Stop Sitting on Your Assets." 

If you’re ready to begin market-proofing your money … no matter what the current interest rate is … then get your full copy of “Stop Sitting on Your Assets” right now.   It’s digital, it’s audio, it includes a button to change into a Spanish translation … so once you have it, you can read it one day and get started building your wealth the next. 

Let’s get started building your successful future, today!  Speaking of looking ahead, how are you going to explain your new found wealth to your friends and family?  Why not share this great insider information and send them their own free preview copy of this book?  It also has audio and Spanish!

Never Violate Real Wealth L.A.W.

May I ask you three very important questions?

The answers you give to these questions will tell you if your money is in the right place.

1) Is your money locked in? Is your money in a safe place? Is it protected from risk of loss? Will you ever lose principal?

2) Is your money accessible? Are your funds easy to reach? Can you get to your money quickly and without penalty?

3) Is your money working? Does the place that holds your money provide a way for your assets to continuously earn a respectable compounding return?

To be sure you’re making the right choices when deciding where you put every dollar you control your financial vehicle should have “yes” answers to all three questions.

- Locked-in?

- Accessible?

- Working?

If you add the bonus that the vehicle you choose has a positive tax treatment, then it’s a sure winner. Almost a “no-brainer,” some might say.

If you ask yourself these three questions before every financial decision, you’ll be well on your way to creating the wealth you long for.

On page 86 of Stop Sitting on Your Assets, a term called “critical cash” is presented. This is the money extracted from the equity in your real estate.

It is considered critical and simply cannot be spent, used frivolously or handled lightly.

In other words, removing your equity and using your “critical cash” for any purpose other than strategic asset growth would be disastrous for your financial health.

You must nurture this asset and place it where the principal is always protected. Spending your “critical cash” on depreciating assets or everyday consumption would destroy the success of your conservative plan for becoming financially secure and comfortable for the rest of your life.

With your “critical cash,” it’s vitally important that you place it in a S.A.F.E.T.Y. Fund™. This is a tax favored financial vehicle or investment introduced in Stop Sitting on Your Assets that will enable you to answer yes to the three L.A.W. questions presented earlier.

The acronym S.A.F.E.T.Y. stands for: “Side Account Faithfully Earning Tax-favored Yields”.

For more information on the S.A.F.E.T.Y. Fund™ and how to protect your “critical cash,” placing yourself on the road to greater wealth, read Chapter 5 in Stop Sitting on Your Assets.

Get your no-cost digital preview copy of Stop Sitting on Your Assets now and begin using the same wealth-building strategies the financially affluent have been using for decades.

As always, I look forward to talking to you next time.

But why wait? Let’s get started building your successful future, today! Go to my website if you want to know more about how the principles in “Stop Sitting on Your Assets” can transform your own future.

Don’t forget to send a Gift Copy of Stop Sitting on Your Assets to your family and friends. Share the wealth by giving them a great no-cost audio book with full online color illustrations!

They’ll thank you for the great gift!

What do the inventor of chess and compound interest have in common?

I’ll bet you haven’t been asked that question before.

Well, unfortunately for the inventory, he didn’t understand the power and paid for it with his life. Here’s how the story goes …

“The Emperor of China was so excited about the game of chess that he offered the inventor one wish. The inventor replied that he wanted one grain of rice on the first square of the chessboard, two grains on the second square, four on the third and so on through the 64th square. The unwitting emperor immediately agrees to the seemingly modest request. But two to the 64th power is 18 million trillion grains of rice — more than enough to cover the entire surface of the earth. The clever inventor did not gain all the rice in China; he lost his head.”

- Recently recounted by George Gilder

Don’t lose your head, too!

Understand the concepts of compound interest and you’ll not only keep your head, you’ll be financially set for the rest of your life. Let’s take a seriousStop Sitting on Your Assets look at compound interest and it’s affect on your finances.

The spectacular wealth achieved over time using the H.E.R.O.. Solution™ plan is made possible by the application of two basic, yet different mathematical principles of finance. The extreme success of this method lies in using “other people’s money” (OPM) based on simple interest and investing this cash acquired, or lending it out, using compound interest.

With simple interest, the amount charged for borrowing is only calculated on the capital owed in that month. Should another month go by, the amount of interest charged in that month is only calculated on the outstanding loan balance remaining.

When you borrow mortgage money, your balance remains the same using an interest-only loan or it declines with an amortized loan.

Why is compound interest such a crucial factor?

Compound interest is interest paid on interest. It is exponentially more profitable to receive compound interest, if you are the one lending out the money or, in other words, investing it.

Real Wealth L.A.W.™, which is talked about in lesson 12 and in Stop Sitting on Your Assets, should be applied to your choice every time you make the decision on where to put your critical cash. If each must pass these tests, which investment and savings vehicles out there would:

- Lock-In your principal,
- leave your funds Accessible and
- keep your assets Working?

To learn more about Real Wealth L.A.W. and how to keep your critical cash growing and protected, read Stop Sitting on Your Assets.

There you’ll not only find proven step by step wealth building strategies, you’ll find interesting and helpful facts about how the government taxes and how you can position yourself to make the most of these tax laws.

Get your personal digital copy of Stop Sitting on Your Assets to dig into all the lessons taught.

Did you realize that traditional wisdom would have you work for up to 5 weeks every year for free! (And it’s not donating your time to charity.) Find out about this travesty in the next lesson to come.

To make sure your loved ones don’t lose their head, send them a no-cost GIFT preview copy of Stop Sitting on Your Assets audio books are great to listen to in your down time. Send them this great free gift. They’ll thank you and remember you.

Early Mortgage Payoff Without Extra Payments?

One of the most dramatic results you can accomplish with the H.E.R.O. Solution™ (which is a concept explained in Stop Sitting on Your Assets) is to achieve a financial position where you could pay off your mortgage years ahead of schedule.

That’s right, I said “years” ahead of schedule … and do it without making extra payments.

This system actually taps non-functioning cash, applies the magic of compound interest and creates a leverage situation identical to financial arbitrage, which is the lifeblood of the banking industry.

Financial arbitrage is what huge banks and Wall Street firms do to strategically profit by recognizing price differences of identical or similar financial instruments and using that difference to make money.

For example if you borrow money from the bank to pay for your house, you can then use the money you gain (whether it’s from tax savings you gain or the actual cash you borrowed) to invest at a higher rate than the rate you’re paying to borrow.

Remember, when you borrow for your home, your interest is usually tax deductible and you’re really coming out ahead of the game if you also invest your tax savings. Why just blow “found free money”? Leverage it too…

In just the last few years, there has been a significant shift in the way forward-thinking people manage their assets to create wealth. Much of this shift has involved techniques of cash-flow management on the liability or debt side of their balance sheets that produces financial leverage … just like the big Wall Street moguls.

Most of us don’t tend to think we can use our debts to create more assets like the big guys.

Ultra-conservative arbitrage (the system banks use every single day) is created inside your own finances by the H.E.R.O. Solution™.

So, how does it work? You acquire other people’s money at simple interest and invest that cash in a principal protected and extremely safe vehicle that nurtures it in a tax favored and compound interest environment.

The results will amaze you.

The H.E.R.O. Solution™ puts you in a position to pay off your mortgage years earlier than you could have using traditional methods.

And what’s more miraculous? The investing rate doesn’t even have to be higher than the borrowing rate to achieve success. This means you can reach your goal no matter what mortgage rates are doing.

If you’d like to create this kind of wealth and opportunity for yourself, don’t just listen to me … take a look at what DAVE MUTI, an attorney and the President of ForgottenEquity.com, said about Stop Sitting on Your Assets:

“I have read dozens, if not hundreds, of financial books during my 16 years in the real estate industry and none of them have summed up such an easy to follow strategy for retiring wealthy as STOP SITTING ON YOUR ASSETS. Ms. Snow lays out a methodical approach that is full of “inside secrets of the wealthy” in an easy to read format. Not only does she explain “why” you need to do this she describes “where” your money needs to go in order to retire wealthy. If you are concerned at all about being able to retire; this is the book for you.”

The online preview version has the audio book imbedded right in it.
Take a look at the no-cost preview with audio at this web address.

Don’t put off starting the engine of your faster more efficient vehicle for the expressway to financial security.

While you’re going on the wonderful journey why not invite your family and friends along for the ride?

Send a FREE GIFT preview copy of Stop Sitting on Your Assets

Any time you’re reading or listening to your own digital copy of the preview or full version, you can always glance up at the top of the page and notice the “Tell a Friend” link.

Use it often…

Your Personal Fort Knox ... with Bulk Like the Hulk?

Many are asking this important question right now ...

"What do I do with my cash once I’ve liberated it from inside my house’s walls using the H.E.R.O. Solution™ plan? How do I protect it and make it grow?"

Your critical cash must be put somewhere safe while it does its magic. The best place to put it is in what I call the S.A.F.E.T.Y. Fund™.

The S.A.F.E.T.Y. Fund™ is an acronym for a: “Side Account Faithfully Earning Tax-favored Yields.”

Your S.A.F.E.T.Y. Fund™ requires a tax-favored environment in order to function at top performance over time and provide tax-favored access when you need it for emergencies or for monthly income after retirement.

Your critical cash should include the following:

• Equity from sale of real estate
• Extracted current equity
• Non-qualified retirement funds
• Major money you wish to grow and protect for long-term wealth

To protect your critical cash look for a vehicle that doesn’t violate Real Wealth L.A.W.

Remember we talked about Real Wealth L.A.W. in a previous post and you can read all about it on page 93 of Stop Sitting on Your Assets. You need a vehicle that is tax-favored. If you gain positive tax treatment on the dollars you put into your S.A.F.E.T.Y. Fund™, they will function best.

You might be wondering why it matters “when” you pay the taxes since you’ll have to eventually pay them anyway, right?

Historically, advisors have chanted the same mantra: “Defer all taxes. Postpone until you are in a lower tax bracket.” But will you actually be in a lower bracket? Is deferring for some yet-to-be-seen better time really
a prudent idea?

Choosing where you grow your wealth is entirely up to you and it must be based on your tolerance for risk, however it’s a good idea that your critical cash be placed somewhere safe and secure … somewhere where you earn tax-favored access and top performance.

For more insight on how to secure your critical cash in an optimal vehicle, read Chapter Six (6) of Stop Sitting on Your Assets today.

Stop waiting to win the lottery or hoping for a wealthy relative to come out of nowhere and leave you his fortune. You already have what it takes to achieve this ... within your reach.

Get your hands on a copy of Stop Sitting on Your Assets right now and get started on your fortune. Just pop over to my site and snag the book that will change your future.

If you’re a late night email reader …

Just pop over and let me know if you’d prefer to get the entire book in the full online digital or the printed bestseller. Don’t forget, the digital one has the professionally produced full audio book built into it.

Don’t let your friends, your family ... or even your co-workers waste another dollar on the lottery either. Do you know folks from church, from clubs or even from bowling or card night who want to be smarter with their money? Help them now! Instantly send them a GIFT preview copy.

We’ll talk again, soon.

Until then, enjoy the great weather. Go sit under a tree and read, read, read!

A Never-Before-Seen Opportunity … How Can You Benefit?

Three unique occurrences have come about. Each is completely unrelated to the other, yet when they are combined, something amazing has been created. How can these supposed separate events come together to create magic for your future?

Synergy is defined as:

“The interaction of two or more agents or forces so that their combined effect is greater than the sum of their individual effects.”

The events are from the areas of tax law, mortgage lending and financial vehicles for your assets. Independently, these opportunities create a tremendous advantage but when they’re combined –

Wow! The opportunity for wealth building is unprecedented.

Here are two of the three opportunities you can act on today.

#1 Tax-free Income

Since the Taxpayer Relief Act of 1997, we no longer have to buy a more expensive home to protect our gains from taxes. These strategies went into effect at the end of the last decade and, prior to that law we were limited to a once-in-a-lifetime $125,000 exclusion if we were over age 55. Under the new law when a primary residence is sold for more than it cost you, the gain is not taxed as long as it’s less than $500,000 for married taxpayers and $250,000 for a single taxpayer.

This means you can now take all your gains, cash them in and use them completely tax-free within those limits. You won’t be able to do this more often than once every two years, because you must have lived in the house for at least that long.

#2 Interest-Only Mortgages

This type of mortgage offers the ability to pay only the interest in the beginning years, which means you have lower monthly payments. Because the payments are lower, you often qualify for a larger mortgage amount. These programs began to emerge in the 1990s as a variation of regular amortized adjustable-rate loans. You could get them with your interest fixed for periods that ranged from 6 months to 10 years.

Now, these pure-genius loans are available in 30-year fixed versions offered by Fannie Mae and Freddie Mac. With an InterestFirst loan, which is the name given to Fannie Mae’s program, you can pay interest only for the first 15 years! This frees up monthly cash for other uses and maximizes your tax deduction for the longest time.

The third component is a new type of vehicle that can be created that acts just like a Roth-IRA, but avoids the limits on income and amount deposited. Then it offers incredible tax advantages.

Sound interesting? ...

Unbelievably interesting!

#3 New Stair-Step Vehicles That Prevent Market Losses

The third opportunity is a place to grow your wealth that locks-in stock market gains in good years and avoids losses in bad years. You can find out more about these opportunities and implement them into your personal wealth building program, read page 79-84 of Stop Sitting on Your Assets.”

Grab a copy of the digital preview book right here instantly.

It offers up full color illustrations and professional audio narration for 4 complete chapters of the 18 chapters of the book. If you like those chapters and want to see more, you can request the full digital online book instantly.

Of course you can always order up the bestselling printed version of the book on Amazon.com or at BarnesAndNoble.com ... or you can just pop over to my website to grab the printed book at a discounted price, too.

You could be reading, and applying these strategies to build your wealth in no time.

Please let me know what you think about any of these three opportunities.  Did you realize how extremely unique they area together?  Do you know that our parents and grandparents never were offered this type of financial synergy ... ever?

Leave me a comment below...

Don't forget to send a no-cost GIFT preview copy of Stop Sitting on Your Assets to your friends.  It's free and they will love it that you thought about them.  It's great to be the "friend who finds cool stuff first!" 

$1.00 Training for Financial Professionals ... Lasts 4 weeks!

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Check out this Stop Sitting on Your Assets video about the training from Marian Snow for details:

Use Your Home to Retire A Millionaire

Did you know you can use your debt to create more assets?

Today’s financial opportunities, mortgage options, and tax laws make it possible for you to manage your assets in a manner that actually uses your debt to create more assets. We’re talking about cash flow techniques that leverage your debt into financial gain.

Yes, debt into financial gain. In the book Stop Sitting on Your Assets, an asset is ...