Download or read book Turn Your Mortgage Into a Pension written by Gordon P Johnson and published by . This book was released on 2016-11-23 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: After years of thinking outside the "financial box," finance expert, Gordon Johnson, has written a book on the topic of how to turn a mortgage into a pension. It presents a unique strategy aimed at enabling the average Canadian to enhance their financial well-being without having to sacrifice their current standard of living. Outlined in this book through simple step-by-step actions, this strategy has been embraced by both financial industry professionals, as well as their clients.

Download or read book Journey Towards Early Retirement Through Real Estate Investing written by Michael Steven and published by Independently Published. This book was released on 2020-12-18 with total page 142 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to make enough passive income from your properties to retire in 10 years, even if you have zero investments today Do you want to shorten your years working a 9-to-5 job and increase the years you'll spend doing what you love, while you can still do it? Traditional wisdom advises us to keep toiling, scrimping, and saving until we finally reach the retirement age of 60, after which we can live off what we've saved and hope we die before it runs out. But what if you can hustle more today so you don't have to wait until you're a senior citizen to enjoy life's freedoms? What if you can continue making money in retirement so that you can afford to leave a significant nest egg to your children? Real estate is lauded by many financial experts as a key to building wealth. It's a reliable means of beating inflation, a tangible investment that can be leveraged and can exponentially increase its value through capital appreciation. One of the best benefits of real estate is its income-producing opportunities. There are a lot of ways real estate can make you money, from flipping, rentals, and more. You can take advantage of these opportunities to build a regular pension that will provide a steady source of income -- and replace your day job -- way sooner than it would take with stock investments. If you're willing to put in the research and the leg work, retirement can come sooner rather than later by investing smartly in real estate. Get to know the fundamentals and processes involved in starting a real estate portfolio for retirement income in this handy guide to real estate investing. In Journey Towards Early Retirement Through Real Estate Investing, you will discover: How to determine exactly how much you need in order to retire (it might not be as much as you think!) How to buy your first investment property with limited funds and minimal experience The indispensable step you should never skip when selecting an investment property, which will save you time and money down the road How you can live in your property for free while easing into the world of real estate rentals How taking out a loan and paying interest can help you save money and earn a higher return on investment How you can upgrade to a bigger and more profitable property without having to pay additional taxes 5 resourceful value-adding ideas to add significant dollars to your rental income without having to shell out more money How to shorten your mortgage by as much as 13 years, while continuing to invest in more properties And much more. Nothing worthwhile will come without some effort and commitment. Even though early retirement doesn't seem like an achievable goal right now, if you're truly serious about changing your life's trajectory, you can make it happen. There will be some lifestyle changes involved, a lot of hard work to be done, and a huge amount of patience required. But in the end, all that will be worth it to live the life you've always wanted. If you want to set yourself up for a retirement that continues to provide you with steady income, without having to work forever, then scroll up and click the "Add to Cart" button right now.

Download or read book Your New Retirement Nest Egg written by Ken Scholen and published by N C H E Press. This book was released on 1996 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Reverse" mortgages turn every home into a new source of RETIREMENT INCOME, without having to sell or make monthly loan payments. This "ideal study book rates a ten"--(SF Examiner) & "guides homeowners through the reverse mortgage maze"--(Minneapolis Star Tribune). It's "an easily understood nuts & bolts guide"--(N.Y. Times) that's "clearly written"--(Library Journal). It compares all the newest varieties of REVERSE MORTGAGES: how much cash you can get, what it really costs, what to look out for. By "The LEADING AUTHORITY on reverse mortgages"--(L.A. Times). Practical STUDY GUIDE for retirees & pre-retirees. Also of interest to attorneys, accountants, financial planners, care managers, senior service providers & adult children of aging parents. A basic reference & directory, with 58 tables, locations, phone numbers. Includes Glossary, Bibliography, Index, Appendixes. Order from: Baker & Taylor, Brodart, The Bookmen, Blackwell, or directly from NCHEC Press, Suite 115, 7373 147th St., W., Apple Valley, MN 55124; Telephone 612-953-4474.

Download or read book The Charles Schwab Guide to Finances After Fifty written by Carrie Schwab-Pomerantz and published by Crown Currency. This book was released on 2014-04-01 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

Download or read book Pathway to a Pension written by Jack Sutherland and published by iUniverse. This book was released on 2021-01-27 with total page 119 pages. Available in PDF, EPUB and Kindle. Book excerpt: PATHWAY TO A PENSION: Follow My Rules of Engagement to A Lifetime Retirement Paycheck If you don’t have a traditional pension and you don’t want to outlive your money, PATHWAY TO A PENSION offers some practical guidance on how to create a lifetime paycheck. This is good news for those who think they will have to work until age 75 or longer to retire. Follow my Seven Rules of Engagement to create a more secure retirement plan: #1 Create a 50-20-30 budget plan. #2 Build a contingency fund. #3 Decide whether to pay off your mortgage early. #4 Start a 529 savings plan. #5 Save early, often, and regularly. #6 Understand opportunity costs. #7 Create multiple sources of income in retirement. Enjoy the benefits of your personal pension plan, achieving peace of mind and a fulfilling retirement. Make the most of your retirement assets by following PATHWAY TO A PENSION. We can rewrite your retirement story together, so you can enjoy a lifetime retirement paycheck.

Download or read book A Practical Guide to Paying off Your Mortgage Early written by Lien Luu and published by Taylor & Francis. This book was released on 2024-10-22 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt: Owning a property is a dream for many people, and borrowing from banks is often essential to achieve this. However, having a mortgage can cause real anxiety because of the latent fear of losing our home if we cannot keep up with mortgage payments. Traditionally, homeowners repay their debt over 25 years, but high house prices have made it necessary to increase the term up to 40 years to make monthly payments affordable. Spreading the debt over a longer period of time not only means that borrowers have to pay more interest, but they are also exposed to other risks such as potential interest rate rises and changes in personal circumstances affecting their mortgage eligibility. These can lead to financial worries, financial stress, and reduced well-being. There are few practical guides available to show borrowers how to manage their mortgage debt more effectively, and how to repay their mortgage quickly so that they are debt-free. This book seeks to empower consumers, young and old, by providing a roadmap to help borrowers achieve financial security through planning for the future, insuring their income, and setting up an emergency fund. It also outlines simple strategies for an early repayment of debt, including paying off the capital, making extra payments, and monitoring their mortgage debt. In doing so, it aims to help readers improve their general well-being, enhance their financial security, reduce their financial worries, and eliminate their ‘mortgage insomnia’.

Download or read book The New Mortgage Investment Advisor written by Peter D. Mitchell and published by . This book was released on 2007 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the Baby Boom generation on the cusp of retirement and younger Americans increasingly worrying about the future viability of social security, the issue of retirement planning is prominent in the collective consciousness of Americans. Unfortunately, some Americans have stuck their heads in the sand and simply assume that the future will take care of itself. Perhaps more tragic, according to authors Pete Mitchell and Jim Pidd, many Americans are actively trying to prepare for retirement but they are missing out on a dynamic wealth building opportunity that is resting at their financial feet. In their new book The New Mortgage Investment Advisor Mitchell and Pidd tackle the conventional wisdom regarding how Americans view their home mortgage and turn that wisdom on its head. Examining the historical, social, and psychological motivations for why Americans aggressively pay down their home mortgages, the authors demonstrate the serious financial impact that this traditional financial strategy has on accumulating wealth. With in-depth analysis to serve the financial professional, yet practical enough to stimulate and provide clarity to the financial layman, the authors address key issues such as: How mortgages can be structured to maximize income tax deductions. The financial viability of interest only, Traditional Option ARM, and Secured Option ARM loans. Arbitrage and the powerful savings techniques that can generate tremendous wealth without any additional investment capital than what you are already using. How accumulating equity in one's home is NOT an investment. How to unlock the investment potential of trapped home equity. Preparing one's retirement nest egg to avoid or minimizetax liability upon withdrawal or inheritance. Why traditional 401k and IRA investments may leave you tens of thousands of dollars short of your expectations when it comes time to retire and withdraw funds, and much more. Whether you are a Baby Boomer with retirement looming, a younger American with decades still to prepare for retirement, or a financial professional looking for new and improved ways to better serve your client's retirement needs, The New Mortgage Investment Advisor can provide strategies to help make the golden years of retirement truly golden.

Download or read book Can I Retire Yet written by Darrow Kirkpatrick and published by StructureByDesign. This book was released on 2016-05-20 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: You've worked hard, lived carefully, and saved diligently. You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. ""Can I retire?"" This book will help answer that question by showing you.... The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security's role in your retirement: when you should claim and how much it's worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical "retirement fuel gauge" alerting you to problems while you still have time to act Backup plans: the "lifeboat strategies" for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later

Download or read book The Procrastinator s Guide to Retirement written by David Trahair and published by Cormorant Books. This book was released on 2021-03-06 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: Let’s face it, planning and saving for retirement is not easy. We are told that the earlier we start the better and that the “magic of compounding” will make our dreams come true if we simply trust the stock market and our investment advisor. ​But for most people it’s simply not possible. People in their twenties are often saddled with student debt and may be struggling to find suitable full-time employment. Saving for retirement is the last thing on their minds, as it should be. ​Then in our thirties and forties we tend to do things like get married, have kids, and buy houses. All these things cost a lot of money! So for many people there simply isn’t any money left to put away for retirement. Therefore many of us become procrastinators when it comes to saving for retirement. ​But there is hope. This book will take you step-by-step though planning and saving for retirement starting in your fifties and the best way to fund your retirement years. It is designed for people approaching retirement who want to ensure it is comfortable and stress-free.

Download or read book Housing Wealth written by Don Graves and published by Housing Wealth Institute. This book was released on 2018-02-27 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the current retirement income crisis facing baby boomers and existing retirees, today's asset mangers, insurance agents and hybrid advisors need every viable resource to help their clients and sustain their practice. In Housing Wealth, American College instructor and reverse mortgage expert, Don Graves, distills more than 20,000 advisor/client engagements over two decades into practical, back-of-the-napkin, common sense strategies. Through simple case studies and easily applied concepts, the advisor will learn how today's reverse mortgage can: Increase Clients' Cash Flow and Preserve Assets from Premature Erosion Reduce the Most Common Risks to Retirement Income Optimize Retirement Outcomes for the Mass Affluent Improve Liquidity and Add New Dollars to Retirement Savings Help Advisors Create More Planning Opportunities from Existing Clients and Gain Access to New Ones Manage Tax Brackets and Keep Clients within Lower Adjusted Gross Income Boundaries Housing Wealth serves as the companion guide for The Certified Housing Wealth Advisor (CHWA) Curriculum. Learn more at www.HousingWealthInstitute.com

Download or read book Emergency Home Financing written by United States. Congress. House. Committee on Banking and Currency and published by . This book was released on 1970 with total page 788 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book How to Save Thousands of Dollars on Your Home Mortgage written by Randy Johnson and published by John Wiley & Sons. This book was released on 2002-08-08 with total page 307 pages. Available in PDF, EPUB and Kindle. Book excerpt: Find The Home Mortgage That's Right For You Finding the right mortgage can be complex, confusing, and frustrating. But that doesn't mean you have to settle for anything other than the terms you want. This indispensable and newly updated second edition of How to Save Thousands of Dollars on Your Home Mortgage spells out everything mortgage hunters need to know in clear and accessible terms. It covers more loan alternatives than any other book and examines the importance of discount points. It offers complete details on virtually every mortgage option currently available, what advantages each option offers, how to choose the right one for your needs, and how to save money in the process. New information in this edition will help you use the Internet to find a home and get a mortgage, examine automated underwriting models and conforming loan limits, and weigh new shopping strategies. Easy-to-read charts and graphs, helpful sample forms, and numerous examples will help you understand: * First-time buyers programs * APR, buy-downs, reverse mortgages, accelerated payoffs, and zero point loans * Refinancing strategies * Closing costs, lender fees, and other expenses * How to dispute credit report errors and fix credit problems * How to use the Internet for loan analysis

Download or read book 100 Questions Every First Time Home Buyer Should Ask Fourth Edition written by Ilyce R. Glink and published by Crown. This book was released on 2018-02-13 with total page 480 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the most trusted name in real estate, a new and fully updated edition of the indispensable guide that helps first-time buyers land the home of their dreams What does "location, location, location" really mean? How do I decide what to offer on a house? What exactly is the closing? Buying a home is one of the most important decisions in any person's life. It will be the place where you plant your roots, come home after a long day, raise a family, or make a successful investment. But how, with everything from student loans and an uncertain marketplace stacked against you, do you get to that idyllic future? In 100 Questions Every First-Time Home Buyer Should Ask, Ilyce Glink, one of the most trusted names in real estate, answers all of your questions about home buying--and some you didn't know you had--and takes you on a personal journey from open houses to moving day. Weaving together advice from top brokers around the country with illustrative stories and her own unparalleled expertise, 100 Questions is a one-stop shop to getting the home of your dreams.

Download or read book The Dream Planner written by Cadbury Jones and published by Lulu.com. This book was released on 2008-12-31 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you aged 25-55 and worried that you won't have enough money when you get older? You should be. Around the world, thousands of working people like you are discovering that they can no longer depend on a pension or the value of their home for a decent retirement. With a dwindling number of workers supporting an increasing number of Baby Boomers,YOU are heading for a Pension Crisis.But wait. This book has a proven original plan used and tested by the author for over 25 years. He now has a high, six figure savings account and so do his friends and family. This plan works! You can even use his original spreadsheets to help you achieve your wealthy retirement dream.Retire Rich - the Cadbury Jones way!Cadbury Jones IS The Dream Planner!

Download or read book How to Make Your Money Last Completely Updated for Planning Today written by Jane Bryant Quinn and published by Simon & Schuster. This book was released on 2020-01-07 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt: NOW COMPLETELY UPDATED to reflect the changes in tax legislation, health insurance, and the new investment realities. In this “highly valuable resource” (Publishers Weekly, starred review) Quinn “provides simple, straightforward” (The New York Times) solutions to the universal retirement dilemma—how to make your limited savings last for life—covering mortgages, social security, income investing, annuities, and more! Will you run out of money in your older age? That’s the biggest worry for people newly retired or planning to retire. Fortunately, you don’t have to plan in the dark. Jane Bryant Quinn tells you how to squeeze a higher income from all your assets—including your social security account (get every dollar you’re entitled to), a pension (discover whether a lump sum or a lifetime monthly income will pay you more), your home equity (sell, rent, or take a reverse mortgage?), savings (how to use them safely to raise your monthly income), retirement accounts (invest the money for growth in ways that let you sleep at night), and—critically—how much of your savings you can afford to spend every year without running out. There are easy ways to figure all this out. Who knew? Quinn also shows you how to evaluate your real risks. If you stick with super-safe investment choices, your money might not last and your lifestyle might erode. The same might be true if you rely on traditional income investments. Quinn rethinks the meaning of “income investing,” by combining reliable cash flow during the early years of your retirement with low-risk growth investments, to provide extra money for your later years. Odds are, you’ll live longer than you might imagine, meaning that your savings will stretch for many more years than you might have planned for. With the help of this book, you can turn those retirement funds into a “homemade” paycheck that will last for life.

Download or read book Residential Mortgage Investment Act of 1983 written by United States. Congress. Senate. Committee on Finance. Subcommittee on Taxation and Debt Management and published by . This book was released on 1984 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Mortgage Investments by Pension Funds and Tax Treatment of Certain Church Retirement Annuities written by United States. Congress. Senate. Committee on Finance. Subcommittee on Savings, Pensions, and Investment Policy and published by . This book was released on 1982 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: