Inflation Rises Lower Than Expected In July

• August 14, 2023
• realestatelife
• Podcast

Inflation is looking a lot better, but that doesn’t mean we’re truly out of the woods. While inflation rises lower than expected in July, we still need to put our best foot forward to combat this inflationary environment and its effects. Michael Harris guides you with the perfect financial GPS to help you plan Your Real Estate Life and make it a reality! In this episode, join Michael as he gives updates and insights on the current state of the market. How can you save more money? What can you do to churn down your interest volume? How do you navigate out of debt? Tune in to find out the answers. Plus, Michael sits down with Marisha Charbonnet to discuss some basic estate planning tools to utilize to make sure you can still protect your kids even when they’re past their legal age.

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Inflation Rises Lower Than Expected In July

I want to know what kind of loan you have. I want to be on your team. I want to be your teammate. I’m a mortgage banker. I’m here to help save you money, whether you’re looking to finance your first home, moving up, moving down, moving sideways, or adding to your portfolio. I’m here to provide financing in five states, which are California, Colorado, Montana, Texas, and the state of Washington.

I can also help with what is called DSCR loans or Debt Service Coverage Ratio loans for investors. I can do that in 30-plus states. Give us a call at (888) 543-3980. Go to our website at YourRealEstateLife.com or United4Loans.com. Thank you to our audience on News Talk 1590 KVTA streaming us at KVTA.com and our audience on K-EARTH 101 at KEARTH101.com. You can catch all of our past programs afterward. They’ll be posted on our website. You can check out our past programs. Let’s have your very own show. Let’s talk at (888) 543-3980.

We’ve had a huge influx of volume of individuals, readers, past clients, and future clients who are in the debt space. When I say debt space, what does that mean? You have a mortgage. You have maybe a car loan. You have credit card debt. You got student loans coming back to haunt you again. You got all these items. You have monthly items that you need to pay for. You’re looking at your gas, electricity, and water. All these items add up. Have you seen grocery prices? Look at the gas prices again. I was driving into the station and seeing things at $5.99.

Inflation is still there even though some of the inflationary news has come in looking a little bit better. I don’t think the Fed’s going to raise it in the next meeting. They’re going to hold tight. They’re in this raise and hold. We’ll see what happens. We’re off the hook this time. We’re seeing mortgage interest rates up again. We had a slew of clients that we got closed on purchases and we got them a little bit in the dip. We also did it at a lower cost.

Getting a home loan with less cost is the idea if we can do it. In the future, I do see interest rates coming back down but not to where it was. We’re not going to see 2s and 3s. I’d be happy to see fives. We may not even see that in 2023. We’d be happy to see those sixes. If we can gain a loan or a payment that is affordable while keeping our money in our pocket and doing it even with less than 20% down or in some cases, 0% down, that’s the name of the game.

We have investors who are buying properties that have rent that is offsetting the mortgage. There’s positive cashflow. We’re getting those loans closed. We have ITIN loans, the taxpayer identification loans. These are individuals who have taxpayer identification, ITIN, who are here legally working in the states without a social but we can get that financing done with 11% down. We are getting the financing done.

We’ve been educating a lot of our audience and consumers regarding interest volume versus interest rate. You’re very proud of your 3%, 4%, 5%, or in some cases, 6% interest rate but have you looked at your mortgage statement? Have you glanced at it? Have you gone online and looked at it? How much of that mortgage payment is interest? What is your interest volume versus interest rate?

Back in 1970, they changed the way the mortgage and lending was because they looked at it and said, “People are living in a home 5 to 7 years and maybe move or redo something. We have to collect our interest so let’s frontload this interest. Let’s collect a majority of it in years 5 through 7, the first half dozen years, and let’s load it up. Let’s amortize the loan and collect it now.” When you look at your mortgage statement, you’re not even 50/50 until 18 to 22 years in depending on your rate. Let’s talk about this. Let’s knock off early interest by getting your principal reduced. Let’s talk at (888) 543-3980. I’m passionate about this.

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We’re talking money and saving money. We’re churning up your frequency by churning down your interest volume. By churning up your frequency, it’s attacking early interest, eliminating interest so we can go after the principle. We are reducing the amount of years you owe on your debt. I had four appointments in one day on the computer, eye to eye.

We were chatting and going over their current position, where they were, and what was going on. We had individuals who had a mortgage, a car, a motorcycle, a student loan debt, and then credit cards. We were looking about where they were, what their income is, and where it’s going. We were looking at what was their discretionary money at the end of every month after groceries and everything household-related as well as those monthly payments.

We had an individual who at the end of the month had maybe an extra $89 but these are after all the items, necessities, and everything he needs to do for his family. We ran his numbers. We wanted to see what we could do with a perfect financial GPS program, something that’s going to help him and his family succeed. We ran the program. We reduced his obligation of debt of interest by six figures. You’re going, “How do you do that? Why can’t I do that? What do I need you for?” It’s the discipline.

When you’re driving in your car and utilize, whether it’s a phone or you use your car or whatever device and you’re using a GPS program, it’s trying to get you to the destination the quickest way possible. If you make a wrong turn, it recalculates and tries to get you back on course in the most efficient way possible. That’s what I’m talking about with your finances. It is having an item that will guide you through the process of transfer, payments, and when.

When you use a GPS, you’re still driving the car but you have a guide that’s getting you there in the most efficient manner. That’s what I’m talking about. I’m doing this as well. My 26-plus years is down to 7.9. I’m saving money. I want you to save it as well. When I was looking to do it myself, I was leaving almost four years on the table. I was getting down to twelve and change. I was like, “I can do a pretty good job. I love numbers. You may not but I do.”

I was looking at four years of my obligations continuing longer. It’s a lot of money. Six figures are going to be gone. I want to run your numbers, talk to you, and educate you about the process. I want you to understand where we are and what we’re looking to do. I want to gain your information and run your numbers at no cost. I want to put you on the map to understand where you could be debt-free.

We had a 61-year-old who we ran his numbers. We were saving multiple six figures. We were going to have him debt-free at the age of 70. For his current plan, he would’ve been 90 years of age. We had another couple that we were going to have them debt-free before their kids were 18. We had a 75-year-old woman debt-free in seven years. Her current plan puts her at 102.

Your reasons and priorities may be different. You may be a professional. You want to extend this to your group of clients, family members, and team members. If you are a realtor, can you imagine if you had an investor who was able to show that they can pay off loans in four years? As an investor, that’s not your priority. Your priority is gaining another door.

We had an individual that has their primary property and a rental property as well. We were able to take them down to eight years for both properties to be debt-free. They like the idea. They were like, “Why don’t we buy another property?” We bought another property. We forecasted that 1 year or 2 down the line, maybe we buy another property. Maybe it’s an anniversary. Every year, you buy a new property. It’s a nice thought. We had them debt-free on all 4 properties in 17 years, 2 of them they hadn’t even bought yet.

These are the kinds of things that you can do with technology and leverage technology for your benefit when it comes to your finances. Call (888) 543-3980. I could send you some information and some links for you to watch. We can set a time for an appointment when you’re ready. We can go comfortably and have a conversation. There are no obligations.

We can then look to run your numbers. That’s what I’d like to do. If there’s a program to eliminate most of the interest in your life, pay off all your debts, personal and/or business, or even mortgages, in as little as 1/3 or 1/2 the normal time without refinancing and changing your lifestyle, would you want to learn more? You would.

I talk about not refinancing. Refinancing has its purpose. Sometimes, certain debts can be consolidated. This way, we can attack them even better. I’ve said a few things here on the radio that people have some issues with. I’ve been saying a 10% line of credit, an equity line, is a lower rate and payment overall to your finances than a 3% amortized loan. How is 10% better than 3%?

Interest rates are not equal. Depending upon how they are set up, they are paid differently. An interest-only line of credit is 10% for the period that it is. It is maybe 10 years on the draw and then it gets fully amortized afterwards. For those 10 years, you’re paying 10%. Interest volume. In 1970, they started amortizing loans, setting loans up differently, and having them frontloaded where you’re paying more interest earlier.

Some will say, “It’s all about cashflow. If I can afford the payment, this works.” It might be true but if you can take that step and then take another step by eliminating and not having to pay that early interest and get to the meat of the principle much sooner, that’s what I’d like to show you. That’s one of the principles of money that will get you further down and advance you through the process. Let’s get smart about your finances together. Let’s talk at (888) 543-3980. Interest volume versus interest rate.

We have also a growing amount of individuals over the last few years who started businesses. We had the pandemic and people who got self-employed. They had difficulty getting financing and doing what they needed to do because they didn’t have a history. We have a growing amount of individuals getting their second year under their belt on their self-employment job.

With that said, we have the ability to utilize non-qualified mortgages, non-Fannie Mae, non-Freddie Mac, non-Jennie Mae, which is FHA, or even VA. We can utilize those for individuals who are self-employed and write down income. We had an individual. He had been two years self-employed and had his anniversary. We were able to talk about tax returns but as a self-employed individual, he’s writing off qualified write-offs to bring down his taxable income. He had terrific cashflow.

With his money coming in minus expenses that we need to subtract, we had great cashflow for qualification. We are qualified to utilize bank statements. Even 24 months bank statements showed great cashflow. We’re in the process of writing an offer for a property. I don’t list or sell. I refer. I handle lending. We have a referral realtor who’s handling the transaction, writing an offer for acceptance, and moving forward on his first purchase.

Two years after starting a business, having terrific cashflow, having affordability, and moving forward is what I’m talking about. He was getting pre-approved at the right time for the right reason because he was paying rent and making a mortgage payment. It was not his own. It was his landlord’s. With what he’s doing, he’s going to engage and still have additional write-offs that he can take on his income because he’ll have interest in other items he can deduct. He got together with his CPA, tax preparer, and enrolled agent for that.

That’s not the advice I give. I give you a thought and then you check it out. We are helping individuals move forward. An interesting statistic that I saw is it is 37 years of age for the first-time home buyer. It’s that dream of, “I got this. I got married in my twenties and I got a home.” The affordability factor is getting difficult but the value of homes is not going down because, in high demand, there’s still low volume. There’s not a lot of listings and enough availability.

We’re seeing 1%, 2%, or 3% increases still. We’re still seeing stability and multiple people making offers on properties that are priced right. We’re not seeing drastic drops. We’ve seen interest rates move back up. We’ve seen rates over 7% again on a 30-year fixed. It’s about getting qualified. We’ve had a number of individuals writing offers. We’ve been able to obtain values for the properties knowing that we’re going to get the property appraised.

We have sellers who are then paying money towards closing costs to move their sale and get the price they want. They are paying money towards closing costs also to have a buyer who’s able to come in and save some money upfront in the hope of maybe a better rate in the future, affording the current payment and making sure their debt-to-income ratios are good and affordable. You’re not stretching out on the top of the ladder, watching the ladder go back and forth like you’re a circus act. You want stability. We’re going to look to have a stable and affordable item and have you move forward.

The alternative is renting. Rents have not been going down. I want to show you how to purchase a property with 0% down, 3% down, or 3.5% down, look at various grants that are eligible, and look at the area median income items depending on the ZIP code and where you’re buying. Let’s explore these items together. Call (888) 543-3980. You could email the program at any time. Let’s go to my direct email this time. Let’s go to Michael@United4Loans.com. You can reach me directly at any time. I mean business. I want you to mean business. We want to take care of things.

We saw things happen with the inflationary rate. We saw 3.2% on the inflation. That’s a far cry from the 9% that it was. We are looking at these items month after month. It’s getting tighter to see this number continue to go down. Some of the statistics look good with the CPI but some of the larger numbers are already in the rearview mirror. It was well over a year. We’re going to slowly turn, step by step. Do you remember that cartoon, The New 3 Stooges? I remember all that fun stuff. We’re going to watch these inflationary numbers and see the Fed moves coming through the system, and see how it takes.

We’re already getting to the tail end of 2023. By looking at the numbers and the Fed meetings, what’s going to happen, and how it’s going into the election cycle, it might be difficult to get anything below 6 this calendar year on a 30-year loan. Sometime in early 2024, we still could peek into that low 6 or high 5. We may see some directional moves depending on the markets, the economy, and some of the items that occur. The mortgage market’s going to read into that so we’re going to watch that very carefully.

Inflation is down from 9% hitting the 3s. We are in the right direction and moving in the right way but we’re still feeling the pain. We’re seeing homeowners insurance and your prices on renewal. Some insurers are pulling out of the market, making it more difficult to gain that insurance. You have individuals who have $2,200 a year going up to $3,400 a year. You have individuals that are going from $4,000 or $5,000 a year to $18,000 or even nowhere to be found because they can’t get the insurance. That’s happening in multiple states.

As interest rates are holding steady at these higher levels of history, we’re also looking at other factors adding to the mix. Even as you have your existing home at 2.75%, 3%, or 3.99%, you need to take a look at where your insurance is going. Maybe it’s raising the deductible to an allowable level. Maybe it’s talking about your homeowner’s insurance more as catastrophic insurance versus something you’re going to make a claim to. You need to get it more affordable but you need to make sure it’s acceptable with your lender based on the deductible that you’re placing.

You need to get with your homeowner’s insurance agent. You need to find out, first of all, whether they’re renewing and what the renewal directions have been with the ones they’ve seen. Don’t wait for that to happen. You need to make a choice that you need to be proactive rather than reactive. As we do on the lending side, we want to know and understand what we can do to save you money.

If you have a home loan, and I don’t care if it’s 2.75% or 7%, I want to talk to you and find out what I can do to retire that interest that you’re paying earlier. You owe what you owe. You borrowed what you borrowed. It doesn’t mean you have to pay back all that money in interest. We had an individual who borrowed money at 6.5%. He borrowed $600,000.

Over the life of his loan, he was going to pay back $1.3 million plus. That’s over almost $800,000 in interest. We ran his numbers and brought his number down tremendously. We took a 30-year loan down to 8.2 years. You’re going, “That’s ridiculous. How can you do that?” You need to see it. I like to run your numbers and show you what can be done. I’ll give you a guarantee. Call me at (888) 543-3980.

Interest rate versus interest volume is how the banks want you to pay. They want you to pay that interest rate at that payment. Even if you make an extra payment, you need to specify to go towards the principal because they’re going to set it aside and keep you on the plan. That’s how that’s set up. They honestly would like you to refinance every few years because you start that cycle at the higher interest volume. Even if you go from 6% down to 3%, your volume is still in the 60%-some-odd level on that refinance because it’s frontloaded.

I like to show you how you can utilize the principles of money, equity lines, and even insurance-related items to become the bank. Turn the tables. Let’s get that interest volume skewed the other way and let you be better off in the first 5 to 7 rather than the bank. Let’s talk at (888) 543-3980. We saw inflation at 3.2% in July 2023. As the prices take higher for the first time in a year, we saw certain prices go up rather than down. We’re watching it carefully. The Fed stays on the sideline. We’ll have more with Marisha Charbonnet.

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It’s been a busy show already. We’ve had many phone calls calling in regarding their interest volume. It is not their interest rate but their interest volume, how much they’re paying on their current mortgage payment as a result of the overall. It’s not with taxes and insurance but the principle and interest. How much of that is interest?

Your principal may not be higher than your interest unless you’re into your loan for a good amount of time, maybe 18 to 22 years, or maybe you paid down a decent chunk with a larger amount of money that came available. We can show you how we can have a program that can take your obligations and interests and eliminate 1/2 or 1/3 of that. Let me show you how. Let’s talk at (888) 543-3980. Each and every month, we have Marisha Charbonnet who joins us on our program. She talks to us about very particular items that are important to your family and your future. Marisha, what do you have for us?

Thank you for having me on the show. When you think about the people who need an estate plan, you often think of parents, elderly people, or high-risk professionals like police and firefighters. It’s often a surprise to learn that teenagers should also be counted in that group. Since it’s that time of year when parents are sending their kids off to college, it’s important to keep in mind that in addition to a laptop and it was annoyingly hard to find extra-long twin sheets, you should probably think about your child having an estate plan.

Don’t get me wrong. I’m not suggesting they need a full-blown trust. However, your baby is all grown up. The moment they turn eighteen, the law recognizes them as an adult. In doing so, they no longer recognize you as having any legal authority over them, including the authority to act on their behalf. Fortunately, there are some relatively simple steps your child can take to restore some of the power you lost on their eighteenth birthday. Let’s face it. While they’re eager for freedom, they still need you. While it is entirely their decision, here are some basic estate planning tools they can utilize to make sure that you can still help protect them.

First, a HIPAA authorization. HIPAA is the patient privacy law that prevents medical providers from sharing a patient’s information without consent. It’s not hard to imagine the agony of a parent who gets a call from their child’s college roommate telling them that their kid has been in a car accident and is in the hospital. The parent then calls the hospital in a panic wanting to know what’s going on, only to be told by the hospital that they can’t release any information as it would be a violation of the patient’s privacy rights.

Most children would want the hospital to provide their parents with information and would willingly consent if given the opportunity. The problem is that if the child was taken to the hospital unconscious, signing a consent form isn’t an option. The parents are left in the dark, fearing the worst. An easy workaround to this problem is for your child to have a HIPAA authorization, which is a document that designates those people with whom their medical providers are allowed to share information. As long as you’re included on the list, you should be able to communicate with your child’s doctors.

Importantly, HIPAA authorization only provides access to information and does not provide the authority to make medical decisions. If a child wants to make sure that his or her parent can make medical decisions, it would be wise for the child to complete an advanced medical directive naming the parent as an agent.

In addition to HIPAA authorization and a medical directive, college kids can also benefit from having a durable power of attorney so that someone has the ability to make financial decisions for them if they become incapacitated. Most people wouldn’t think of estate planning as something an eighteen-year-old needs to worry about. Most people assume that estate planning is only about death. The reality is there are a lot of estate planning issues that have nothing to do with death and everything to do with your ability to control important decisions while still alive.

Arming yourself as well as your children with the legal documents needed to protect your decision-making authority can be critical when there is an emergency. If anyone has questions about how they can use an estate plan to protect themselves and their college-bound kids, I can be reached at (805) 496–4681 or FamilySecurityLawGroup.com.

Thank you so much, Marisha. This is such great information as I have two kids. It is very important to have these plans in place and think about what you need to do or inform your children what they should be doing to move forward to be responsible adults. Sometimes somebody’s got to be responsible in the room. Maybe that is you. Let’s talk at (888) 543-3980.

We saw the 10-Year Treasury. It’s 4.168%. We’re over 4% and comfortably there. I was so happy. When we were getting below 4%, we were seeing 3.70%. We’re at 4.168%. That puts the mortgage interest rates right at that 7% level. We are looking for alternatives depending on your timeline and what you need to do for your affordability.

On your purchase, that potential refinance for a reason, we’re taking a look and matching what makes sense. Sometimes, staying patient and holding steady makes sense. If that’s the case, let’s attack that interest and retire the debt sooner. Let’s get interest out of the picture faster. Let’s retire that interest rate and interest volume much sooner. Let’s talk at (888) 543-3980.

We saw that the Dow Jones Industrial Average is up 213. The NASDAQ is down 262 and moving in opposite directions. The S&P is down twelve. We saw these things occurring. We’re watching what’s going on in the news each and every single day. As we look at the market, not much is scheduled. It could be quiet. We’ll see who opens their mouth and says something.

We have US retail sales minus autos, port prices, and fuel. We have the Empire State Manufacturing Survey, business inventories, and the Minneapolis Fed President, Kashkari. He is speaking. We’ll see what he has to say about the direction of the Fed. Maybe he has some hints, whether they’re hold and steady or they’re going to maybe move. Steady is the idea. We had a unanimous increase in the last meeting but it’s getting a little different. It’s starting to get meandering around. With that being said, holding steady seems to be the next move.

We have housing starts, building permits, industrial production, and capacity utilization. We will see those minutes from the July 2023 meeting that I referenced. We have initial jobless claims coming out as always from the Philadelphia Fed’s manufacturing survey and US leading economic indicators. We then bookend it. There is nothing on the docket. We’ll see how we shape when we come back and speak with you.

Whether it’s 7:00 or 8:00 in the morning, as these items come out, we will look at the general trend of the bond market, the mortgage-backed securities. For our audience and our clients who are moving forward with a transaction, the timing is important. It depends on what you’re looking to do. Do you have a 30-day escrow or a 2-week escrow? We closed a purchase transaction within two weeks from start to finish.

When we look at locking in a loan, the general market, and what’s going on, do we lock in for 8, 11, 15, or 21 days? How long do we lock a loan? What’s our thought process of where interest rates are going? We’ve been closing loans and then following up. We are utilizing the perfect financial GPS program to get them months, even years, into the process much faster, retiring the debt and showing a difference.

We’re watching loans. Instead of paying $19,000 in interest and only reducing your principal by 30-something hundred dollars, we’re seeing that get leveled out a lot sooner and then turning the tables much faster. This is you gaining more equity faster rather than the bank taking on that interest. Let’s talk at (888) 543-3980.

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We are here to save you money when it comes to one of the largest items you have and a decision you make, which is buying a home. Where you live, what you pay, and what you can afford, we are setting up your finances in a way that allows you to qualify for a home loan. Getting a home loan is a little bit more difficult maybe than it was before because interest rates are higher and more income needs to be shown. For those who are self-employed, we’re going with bank statements on a number of our loans.

We have individuals who think they have to put at least 20% down to buy a home. That’s not the case. We have individuals who are using FHA financing, 3.5% down, or maybe a grant even behind it. We are getting sellers covering closing costs, VA loans at 0% down, or USDA loans with grants behind them using the area median income. We can talk about that in the ZIP code that you’re looking to buy. We have individuals who are buying second homes or vacation properties as well as investment properties. Under the investment property side, we’re doing DSCR loans or Debt Service Coverage Ratio loans, which means the rent is offsetting the mortgage payment.

If you buy a home and don’t have it rented, then you have an extra mortgage payment. If the rent is coming in and offsetting it, somebody else is making that mortgage payment for you. You need to have some reserves. You have to have the idea that if there’s a vacancy or a change in tenant, you need to be able to cover and carry. That’s very important. You need to have the right coverage. The right insurance coverage and everything else comes with the transaction. That could be discussed. We can go over that together.

We have individuals that are adding doors and creating additional cashflow as well as income for their future. We have individuals who are utilizing reverse mortgages. We have 55 years of age and older utilizing a reverse mortgage to eliminate the need to make a mortgage payment. Payments are optional. It’s a reverse mortgage. You may owe eventually more than what you originally borrowed but you have the equity position. You’ve worked hard for your home. It’s time for your home to work hard for you.

We have individuals who are creating income by eliminating that mortgage payment, maybe even getting or buying a rental property to gain additional rental money coming in. They may even be buying 2-unit, 3-unit, or 4-unit properties with a reverse mortgage purchase utilizing the equity that they had from their previous sale. They can live in a unit, rent out the others, and create income and cashflow. There are a lot of ways and directions that can be gone for financing.

ADU or Accessory Dwelling Units, we have individuals that are buying those, building those, and creating additional rents to their properties that allow that to be done. We are financing and taking care of that. We’re doing purchases and refinances. We’re doing commercial and construction. We have non-qualified mortgages. We have ITIN, FHA, and VA. We are handling it from start to finish. We want to make sure we map out what you are looking to do. What is your why?

Ultimately, I want to eliminate interest. I want to make sure you are debt-free at the earliest day possible. I want to set yourself up and your family for financial security, to have less stress and more sleep. What keeps you up at night? I’m hoping it’s not your debt. If it is, let’s have a conversation. I want you to sleep better. Let’s talk at (888) 543-3980.

We are making a difference and that’s what I like to do. I have one-hour appointments that I do with individuals. We find out what’s going on. That’s what the conversation is. It is who I am, who you are, what you’re looking to do, and what you’ve got, and then we have another conversation. The goal is to gain your information, run what we can do, show your debt-free date, and then put a plan together. In some cases, maybe it is looking at an equity line so we can utilize that simple interest to take care of amortized interest that started in 1970.

That’s when the banks looked at this going, “We need to collect a lot more of our interest upfront. We need to frontload this item so we can amortize and collect our interest earlier. If they sell, we’ve already got a good boatload of our interest at 60%, 70%, or 80% clip on that monthly mortgage payment.” That’s how you got to look at this. I want to show you how we can eliminate that early interest faster. Let’s reverse the tables. Let’s talk at (888) 543-3980. You could email me directly at Michael@United4Loans.com.

I didn’t talk about this because I’ve been so busy with appointments but on Tuesdays, we have a webinar that we’re doing at 6:00 PM. On Tuesday night, we’ve been sending invites directly to individuals who have contacted us but I’m opening it up to you. On Tuesday evenings, I want you to email me at Webinar@AHeadForMoney.com. When you send there, let me know who you are. I want to get you a personal invite to a 6:00 PM webinar. It’s a fact-finding informational webinar regarding a perfect financial GPS program. There’s no obligation. It’s information.

Once you go through that one-hour webinar, if you choose and want to gain more information, meet with me one-on-one. I want to do that with you. I can send you information. If you can’t attend at 6:00 PM, I understand. Things are going on in your life. Send me an email, “I cannot attend but can you send me some information to look at?” I will send you some links and information that you can review. Understand that but know that that’s not you.

Your numbers are your numbers. Your debt is your debt. Your mortgage is your mortgage. Your student loans, car payments, personal loans, and credit cards are yours. Your equation is different from that of others. We want to show you from A to Z the best route and the fastest and the most efficient route possible to become debt-free. We’re going to evaluate this together but it starts with you. Let’s talk at (888) 543-3980. You can register for that webinar and get the information on where to head at Webinar@AHeadForMoney.com.

If you cannot attend at 6:00 PM on Tuesday, I understand but let me know. Maybe we set up a one-on-one. We have that meeting and skip the step of me sending you more information. I can send it so you can watch it on your own. There’s no obligation. It’s information and education. I want you to finish on top. We have football season ready to start again but your favorite baseball team is shaping up. You got playoffs and wild cards. You have teams that are clear-cut looking like they’re getting in already first-place teams but only one team finishes on top.

You had a trade deadline that passed. The teams made differences and changes. Not every team is going to finish on top because they made the trades. Some have already eliminated themselves even after those trades. Where are you with your finances? Would you be in the playoffs? Would you make the playoffs? Would you be on top? Do you have a chance to win the championship? Are you doing that well? Can you do better?

I am a product of this opportunity and it has shaved another four years off my time. I was very proud to go from 26 years down to 12.3 on my own but I’m down to 7.9. That additional four years was a lot of money. If I could save four years of your money, that’s a lot and also a lot of headaches. Wouldn’t it be nice to have someone smarter in the room who doesn’t talk back? That’s awesome. You have customer service, support, teams, and coaches. You have everything there to help guide you through the process. It’s not like, “Here you go. Goodbye.” You have support.

Let’s talk at (888) 543-3980. I want to hear from you. Email me directly at Michael@United4Loans.com. Register for the webinar. Get me your information so I can get you the location. We can get that done at Webinar@AHeadForMoney.com. I’m giving a lot of websites, emails, and fun stuff but the bottom line is let’s take some action. You’ve had enough. You’re watching interest as your biggest expense.

Let’s start eliminating that. Let’s get something more affordable and make sure you’re covered correctly. You may have the right mortgage already. I’m not here to talk to you about refinancing. If that’s the case, you’re protecting that 3% or 4% rate. I got it. Let’s attack that because you need to pull out your mortgage statement and take a look at how much interest is going into that monthly payment. Look at the interest volume and what’s going on since 1970 when they made that change.

Take a look at it and tell me you’re happy about it. You’re not. I want to hear your reaction and response. If I showed you that there was a program to eliminate most of your interest in your life, pay off all your debts, personal and business, or even mortgage, in as little as 1/3 or 1/2 the normal time without that refinance and changing your lifestyle, would you want to learn more?

You still need to drive the ship. If you’re missing the rudder, you’re aimlessly going around in circles. You might hit your destination. I want to give you the rudder and the navigation device. I want to give you the most efficient way possible to hit zero when it comes to your debts. I want you to be looking at a debt-free income item, whether you’re trying to take your debt, eliminate debt, and then create wealth, or you’re looking to eliminate debt to create a comfortable cashflow.

Where you are in your journey matters. We’re taking investors to newer heights and first-time investors getting started. We’re talking to CPAs, financial planners, realtors, attorneys, bankruptcy attorneys, mediators, and divorce attorneys. We’re talking to all these professionals who have the ability to speak with their clients and have a better outcome.

Can you imagine if you’re going through a divorce and someone values the debt differently than the other because they can pay it off in 1/3 or 1/2 the time? That’s an interesting advantage. We’re talking to professionals who are able to show this to their clients. It’s making a big difference. We’re doing this with insurance individuals. You are becoming your own bank. It allows you to borrow your own money and pay yourself back. You are making money at the same time that you’re earning money. It sounds interesting, doesn’t it?

These are the things that I’d like to talk to you. We’re talking about credit professionals who are helping people clear credit and have a better future. We are putting into a program an opportunity that allows them to have a better future going forward. After you fix it, it doesn’t mean it gives you the license to break it again. Let’s find a better way. Let’s get that discipline started and have an opportunity that allows you to move forward comfortably.

Whether you’re a professional looking for yourself or your clients, someone you care about, I want to hear from you. Let’s talk at (888) 543-3980. It truly is that simple. I’m making a difference. I’m feeling good about it. With the 29 individuals that I’ve spoken to since August 1st, 2023, many of them already started to move forward. They’re sleeping better at night. They’re seeing a future and a change. They have a direction to head and they see a better time going forward. They may have had some ideas but we’re showing a better decision-making process.

I’m a product of the same opportunity. I’m saving money. I want you to save money. I don’t want you missing the line altogether. Find out more about it. Email me directly at Michael@United4Loans.com. You could register for the webinar or tell me the best time that maybe we can set up a meeting. Register on my Calendly. We can talk about that. Register at Webinar@AHeadForMoney.com.

I’m very passionate about this. I’ll spend a good amount of time with you. There’s no money in it on my side. If you go forward, there’s a small amount. My time is worth something. I hope you can understand that. We can show how you’re recovering all that much faster than any refinance would even in the best of times.

If I can show you how money works a little bit differently and you have more options than door number 1, door number 2, and door number 3 can open for you, you can have choices that you can move forward. I want to show you how that’s done. When you were in school, no one showed you unless you were a major in that arena. Even then, it wasn’t touched on too much because it wasn’t instructed that well.

I was a finance major in college. A lot of these items and principles I understood but they weren’t taught. These are things that I was doing in my twenties that people said, “You’re in your twenties. You’re going on your 40s.” I’m not sure what I’m going on but I did my items of life, health, disabilities, and all the fun things I needed to do at an early age to make sure my family was set up properly.

My kids have graduated college. My daughter’s starting her Master’s. They have no student loan debt. We were able to work out those items at an earlier time to allow that to occur. I don’t say that to say, “Gee.” I want to make sure you are in that position if that’s where you are. If you have student loans, I want to help eliminate those as soon as possible with the best method. You signed on for certain obligations in debt but it doesn’t mean you have to pay all that interest. That’s why I’d like to design a way to make that go away faster.

Let’s talk and work together. I want to be on your team and be your teammate. This is what I do. I love numbers. I put them in the middle of my desk. You may push them off to the left or the right or hope they go away altogether. I got it but let me take this on with you. You don’t have to have a degree in finance. Have an open mind to understand if the wind is blowing hard in your face, you need to change the direction of your sails.

If you can’t change the wind, you can change the direction of your sails. I want to show you how you can move from now and have a different ending. You made it to the end of the program but it doesn’t mean the end of what we talked about. Thank you for joining me. Until the next episode. What kind of loan do you have?

Important Links

• United4Loans.com
• KVTA.com
• KEARTH101.com
• Michael@United4Loans.com
• FamilySecurityLawGroup.com
• Webinar@AHeadForMoney.com