Angela Kroemer Mortgage Professional
1.250.650.4182
Thursday, September 29, 2011
About Mortgage Brokers
As mortgage brokers we do not work for a bank. We work for a Mortgage Broker that owns the firm and that firm goes out to secure Lenders that will work with mortgage brokers from that firm. It is like working in a mall with only Lenders as occupants. The people working under the mortgage broker firm are known as sub brokers. But since alot of people don't know that term you will see other terms like mortgage professional, specialist,expert,agent (in Ontario)and consultant. They all mean the same thing . Mortgage sub Broker.
Now to be a sub broker you must pass a course and an exam. You must apply to FICOM which is a government agency over looking the mortgage brokers. They check out your past including credit, criminal and work history. Once you have past this scrutiny then you become registered as a sub broker. Being a sub broker you are tied to uphold ethics of this profession or you will lose your licence.
A sub broker that is licensed in BC can write mortgages anywhere in Canada. Our training is so through that we can pass any provinces standards. Which gives us a huge market to choose from.
Canada is very proactive in keeping the mortgage broker profession , professional. We are required to keep educating ourselves each year by participating in online courses, trade shows, and seminars. We are encouraged to get our AMP designation with means Accredited Mortgage Professional. This means we do even more education. The brokers that are over achievers are in this group. They go that extra mile for their client.
I get comments from some people stating that the mortgage brokers in the United States were all crooks. From the news reports you would think so cause they never reported on a good mortgage broker, no news worthy story there. What happened in the United States is that in most States you did not need a license. That lead the way for many not so nice people to take advantage of many nice people.
In Canada the government being the way they are , are proactive in not having this industry go bad. We have seen what bad looks like in the United States from a few years ago.
That is why we have to pass exams and continue our education, which is documented if you have the AMP designation. We are strictly regulated.
The whole mortgage profession encourages the public to come forth if they think they are dealing with a sub broker that doesn't seem like they are doing their job or you have an uneasy feeling about the job they are doing.
You the client always comes first.
Where can you get more information about Mortgage Brokers?
MBABC ---http://www.mbabc.ca/
CAAMP --http://caamp.org/index.php
FICOM ---http://www.fic.gov.bc.ca/
TMG ---http://www.mortgagegroup.com/site/bc/brokerpage.asp?id=3011
My website ---http://cvmortgages.ca/
Monday, September 26, 2011
Canadians Realistic About Household Debt
In the past decade consumer confidence in Canada was much higher than what would
be expected based on certain household fundamentals including Real Disposable
Income Growth, Debt-to-Income Ratios and Consumer Capability Indices. It appears
that pre-2008, consumers were confident they could increase and manage their
household debt when indicators pointed against this.
Then, since the global financial crisis of 2008, Canadian consumers have become more realistic about their debt. Yes, they continue to borrow; however, the pace of that borrowing has slowed down. This change in mindset is happening during a time when their capacity to manage their debt has increased.
A recent report by economist Benjamin Tal of CIBC, analyzed this new trend on seven household fundamentals. He found that as of the second quarter of 2011, the Consumer Capability Index was back to the level seen before 2008, with the gap between confidence and capability narrowing notably, relative to the wide gap seen during most of the decade. This improvement in the capability index was not due to a strong growth in income but reflects the fact that while the level of the debt-to-income ratio is still rising, the speed at which it is, in fact, slowing.
"The key here", Tal wrote, "is the notable softening in the pace of growth in personal non-mortgage credit which is currently expanding at the slowest pace since the early 1990s. In fact, the ratio of consumer credit to disposable income has been stable over the past year."
According to the report, other factors contributing to the recent improvements include:
1. A higher savings rate which, while easing lately, is still double the rate seen before 2008
2. Personal bankruptcies are down
3. Relatively low and stable debt service costs
4. A stabilizing long-term unemployment rate at a relatively low level
"While consumers will continue to take advantage of historically low borrowing costs," Tal said. "The practical implication of their more realistic approach is that spending in the near future will be slower but more balanced growth as it will be based on fundamentals as opposed to wishful thinking."
as per TMG website
Then, since the global financial crisis of 2008, Canadian consumers have become more realistic about their debt. Yes, they continue to borrow; however, the pace of that borrowing has slowed down. This change in mindset is happening during a time when their capacity to manage their debt has increased.
A recent report by economist Benjamin Tal of CIBC, analyzed this new trend on seven household fundamentals. He found that as of the second quarter of 2011, the Consumer Capability Index was back to the level seen before 2008, with the gap between confidence and capability narrowing notably, relative to the wide gap seen during most of the decade. This improvement in the capability index was not due to a strong growth in income but reflects the fact that while the level of the debt-to-income ratio is still rising, the speed at which it is, in fact, slowing.
"The key here", Tal wrote, "is the notable softening in the pace of growth in personal non-mortgage credit which is currently expanding at the slowest pace since the early 1990s. In fact, the ratio of consumer credit to disposable income has been stable over the past year."
According to the report, other factors contributing to the recent improvements include:
1. A higher savings rate which, while easing lately, is still double the rate seen before 2008
2. Personal bankruptcies are down
3. Relatively low and stable debt service costs
4. A stabilizing long-term unemployment rate at a relatively low level
"While consumers will continue to take advantage of historically low borrowing costs," Tal said. "The practical implication of their more realistic approach is that spending in the near future will be slower but more balanced growth as it will be based on fundamentals as opposed to wishful thinking."
as per TMG website
Sunday, September 25, 2011
Interest Rates-- Mortgage Brokers vs Banks
Why is it Mortgage Brokers can often offer lower rates than Banks?
Mortgage Brokers have several Lenders to choose from. At any time at least 1 Lender has a rate on sale , so to speak. With TMG we have over 50 lenders to choose from. Not all Lenders will be a fit for every client. Each Lender has their own policies. Some look for excellent credit, some look for fast closings, some look for okay credit and it is as varied as there are Lenders.
While the Bank only has one to choose from. Themselves.
The best way to find out which rate you qualify for is to sit down with a Mortgage Broker and fill out an application. The bonus with using a Mortgage Broker is they only have to check your credit rating once for all of their Lenders which is over 50 with TMG. Every time you go into a different bank they each have to check your credit rating which will take a small hit on your credit rating. This is not the end of the world type of problem but do limit how many Banks do this as you want to be in the best position in your credit rating to get the best rates available. Rates are directly tied to your credit rating.
Once you have a free and no obligation quote from your Mortgage Broker find a Bank with great rates and get a quote from them. If you really want to stay with your Bank they may match what the Mortgage Broker quoted you. Not what we as Mortgage Brokers want to happen but our client comes first and we want to see our client happy and satisfied with any choice they make. The end result is a client who is happy with their mortgage choices.
A sample of rates being offered is below.
RATE COMPARISON
Mortgage Term TMG Rate Bank Rate
1 Year Open 6.30% 6.30%
1 Year Closed 2.75% 3.50%
2 Year 2.99% 3.85%
3 Year 2.89% 4.35%
4 Year 2.99% 4.19%
5 Year 3.39% 5.24%
7 Year 4.49% 6.35%
10 Year 4.79% 6.75%
All rates are provided for information purposes only and are subject to change at any time. All rates are calculated semi-annually, not in advance. E & E.O.
Mortgage Brokers have several Lenders to choose from. At any time at least 1 Lender has a rate on sale , so to speak. With TMG we have over 50 lenders to choose from. Not all Lenders will be a fit for every client. Each Lender has their own policies. Some look for excellent credit, some look for fast closings, some look for okay credit and it is as varied as there are Lenders.
While the Bank only has one to choose from. Themselves.
The best way to find out which rate you qualify for is to sit down with a Mortgage Broker and fill out an application. The bonus with using a Mortgage Broker is they only have to check your credit rating once for all of their Lenders which is over 50 with TMG. Every time you go into a different bank they each have to check your credit rating which will take a small hit on your credit rating. This is not the end of the world type of problem but do limit how many Banks do this as you want to be in the best position in your credit rating to get the best rates available. Rates are directly tied to your credit rating.
Once you have a free and no obligation quote from your Mortgage Broker find a Bank with great rates and get a quote from them. If you really want to stay with your Bank they may match what the Mortgage Broker quoted you. Not what we as Mortgage Brokers want to happen but our client comes first and we want to see our client happy and satisfied with any choice they make. The end result is a client who is happy with their mortgage choices.
A sample of rates being offered is below.
RATE COMPARISON
Mortgage Term TMG Rate Bank Rate
1 Year Open 6.30% 6.30%
1 Year Closed 2.75% 3.50%
2 Year 2.99% 3.85%
3 Year 2.89% 4.35%
4 Year 2.99% 4.19%
5 Year 3.39% 5.24%
7 Year 4.49% 6.35%
10 Year 4.79% 6.75%
All rates are provided for information purposes only and are subject to change at any time. All rates are calculated semi-annually, not in advance. E & E.O.
Friday, September 16, 2011
Canadian Home Income Plan
This week I learnt about the CHIP plan and now I am pleased to be able to offer it to all my past, present and future clients.
CHIP stands for Canadian Home Income Plan. In a nutshell it is a plan for seniors (55 and up) who own their homes, are able to borrow equity from their homes and use the equity for anything they like.
As you read the information below and find you may be interested in this plan contact me and we can see if this will work for you.
akroemer@mortgagegroup.com
www.comoxvalleymortgagestoday.com
1.250.650.4182
More information below:
ABCs of CHIP
You
receive the money tax-free. It is not added to your taxable income so
it doesn't affect Old Age Security (OAS) or Guaranteed Income Supplement (GIS)
government benefits you may receive.
No payments are required while you or your spouse live in your home. The full amount only becomes due when your home is sold, or if you move out.
You maintain ownership and control of your home. You will never be asked to move or sell to repay your CHIP Home Income Plan. All that's required is that you maintain your property and stay up-to-date with property taxes, fire insurance and condominium or maintenance fees while you live there.
You keep all the equity remaining in your home. In our many years of experience, 99 out of a 100 homeowners have money left over when their CHIP Home Income Plan is repaid. And on average, the amount left over is 50% of the value of the home when it is sold.
Your estate is well protected. We guarantee that the amount to be repaid will never exceed the fair market value of your home at the time it is sold. If your heirs want to keep your home, they can repay the CHIP Home Income Plan from other funds.
You can save on taxes. If you decide to use the money you receive to buy non-registered investments such as GICs and mutual funds, you may be able to deduct the CHIP Home Income Plan interest charges from the income those investments earn. Be sure to consult a financial or tax advisor.
CHIP stands for Canadian Home Income Plan. In a nutshell it is a plan for seniors (55 and up) who own their homes, are able to borrow equity from their homes and use the equity for anything they like.
As you read the information below and find you may be interested in this plan contact me and we can see if this will work for you.
akroemer@mortgagegroup.com
www.comoxvalleymortgagestoday.com
1.250.650.4182
More information below:
ABCs of CHIP
Wouldn't it be nice if you had the money to do more of the
things you want to do? A CHIP Home Income Plan could be just what you need. It's
the simple and sensible way to unlock the value in your home and turn it into
cash to help you enjoy life on your terms.
Let us introduce you to CHIP - Canada's leader in reverse
mortgages:
A CHIP Home Income Plan is a reverse mortgage secured
by the equity in your home. Unlike a traditional mortgage in which you
make regular payments to someone else, a reverse mortgage pays you.
The big advantage with CHIP is that you do not have to
make any payments – principal or interest - for as long as you or your spouse
live in your home. That's what has made reverse mortgages such a
popular solution in Canada, the U.K., the U.S., Australia and other
countries.
A CHIP Home Income Plan is designed exclusively for
homeowners age 55 and older. This age qualification applies to both you
and your spouse.
You can receive up to 50% of the value of your
home. The specific amount is based on your age and that of your spouse,
the location and type of home you have, and your home's current appraised value.
You can choose how you want to receive the
money. CHIP gives you the option of receiving all the money you're
eligible for in one lump sum advance, or you can take some now and more later,
or you can receive planned advances over a set period of time. You can even
combine a lump sum advance at the beginning with ongoing advances over time.
Rebalancing Assets of $400,000
You
receive the money tax-free. It is not added to your taxable income so
it doesn't affect Old Age Security (OAS) or Guaranteed Income Supplement (GIS)
government benefits you may receive.
You can use the money any way you wish. Maybe
you want to build up your savings or cover unexpected expenses. Perhaps you want
to update your home or help your family without depleting your current savings.
The only condition is that any outstanding loans secured by your home must be
retired with the proceeds from your CHIP Home Income Plan.
No payments are required while you or your spouse live in your home. The full amount only becomes due when your home is sold, or if you move out.
You maintain ownership and control of your home. You will never be asked to move or sell to repay your CHIP Home Income Plan. All that's required is that you maintain your property and stay up-to-date with property taxes, fire insurance and condominium or maintenance fees while you live there.
You keep all the equity remaining in your home. In our many years of experience, 99 out of a 100 homeowners have money left over when their CHIP Home Income Plan is repaid. And on average, the amount left over is 50% of the value of the home when it is sold.
Your estate is well protected. We guarantee that the amount to be repaid will never exceed the fair market value of your home at the time it is sold. If your heirs want to keep your home, they can repay the CHIP Home Income Plan from other funds.
You can save on taxes. If you decide to use the money you receive to buy non-registered investments such as GICs and mutual funds, you may be able to deduct the CHIP Home Income Plan interest charges from the income those investments earn. Be sure to consult a financial or tax advisor.
Posted Rates: Our interest rates start at just
4.75%
We have a variable rate option with no fixed term or if you
prefer a fixed rate, we can offer you six-month, one-year, three-year, or
five-year terms. Your interest rate will be based on the length of term you
choose.
| Annual Percentage Rate (APR) * | |||||||
| Term | Rate | Effective | Reset Date | 10 Years | 5 Years | 3 Years | 1 Year |
| Variable Rate | 4.75% | September 9, 2010 | As Posted Rate Changes | 4.88% | 4.98% | 5.11% | 5.82% |
| 6 months | 4.90% | September 9, 2010 | March 15, 2012 | 5.03% | 5.13% | 5.27% | 5.97% |
| 1 year | 4.99% | February 14, 2011 | September 1, 2012 | 5.12% | 5.22% | 5.36% | 6.06% |
| 3 years | 5.45% | August 25, 2011 | September 20, 2014 | 5.90% | 6.00% | 6.13% | 6.85% |
| 5 years | 5.95% | August 25, 2011 | September 5, 2016 | 6.41% | 6.51% | 6.65% | 7.36% |
* APR is based on a CHIP Home Income Plan of $150,000.The
annual percentage rate (APR), is calculated as the rate of interest of the plan
plus closing costs.
Rates are subject to change and will be posted on this
site.
You can lower your borrowing costs with an interest
rate discount.
- Interest payment discount - if you choose to pay your full annual interest, you will receive a 0.50% discount for the following year. You can pay in a single lump sum or make regular payments.
You have a number of payment options.
- No principal or interest payments are required for as long as you or your spouse live in your home.
- You can choose to pay all or part of the annual accrued interest ($1,000 minimum/year) without signing up for the interest payment discount plan. You can pay once every calendar year when it's convenient for you. If you pay the full year's accrued interest, you will qualify for a 0.50% discount on your next discount review date.
- The full amount only becomes due when you and your spouse pass away, when the home is sold, or if you both move out.
- You have the option to repay the principal and interest in full at any time. When you repay, an interest rate differential may apply. If you repay within the first three years, a prepayment amount will apply. These may be waived or reduced in the event of death or a move to a long-term care facility or retirement residence.
Set-up costs
Appraisal Fee
- Typically from $175 to $400 as an out-of-pocket cost.
- Actual amount varies by province and for urban and rural properties.
- Request for an independent appraisal is ordered through CHIP.
Independent legal advice is required
- Typically $300 to $600 as an out-of-pocket cost.
- Price range assumes no title issues.
- At your request, CHIP can provide a list of legal advisors in your area.
- It is recommended that you discuss fees with the legal advisor before proceeding.
Legal, closing and administrative costs
- Costs are $1,495 for all of our interest rate options.
- These costs will be deducted from your CHIP Home Income Plan funds so they are not an out-of-pocket expense.
- Includes title search, title insurance and registration.
 |
 |
Monday, September 12, 2011
Down Payment not Required
You read the ads. No Down Payment. What does this mean?
First of all, in most cases to not have a down payment you need a excellent credit history. Which means you pay your bills on time and have income.
Next step is you need to be able to borrow the down payment. The ways in which you can borrow are:
personal loans
lines of credit
credit cards
grants as long as not involved property purchase transaction. Example cannot be a builder loan.
The easy step is to call or email so we can set up a time to go through an application and see if you qualify. This can be done over the phone or person to person. Which ever is more comfortable for you.
If it is person to person then I usually meet with you at your home, but it can be at the library, coffee shop, your office, restaurant, etc.
If you are an outdoor type of person I enjoy meeting my clients at a park. Especially on a nice day. I even bring the coffee.
Angela Kroemer Mortgage Professional
1.888.679.0190
akroemer@mortgagegroup.com
www.comoxvalleymortgagestoday.com
First of all, in most cases to not have a down payment you need a excellent credit history. Which means you pay your bills on time and have income.
Next step is you need to be able to borrow the down payment. The ways in which you can borrow are:
personal loans
lines of credit
credit cards
grants as long as not involved property purchase transaction. Example cannot be a builder loan.
The easy step is to call or email so we can set up a time to go through an application and see if you qualify. This can be done over the phone or person to person. Which ever is more comfortable for you.
If it is person to person then I usually meet with you at your home, but it can be at the library, coffee shop, your office, restaurant, etc.
If you are an outdoor type of person I enjoy meeting my clients at a park. Especially on a nice day. I even bring the coffee.
Angela Kroemer Mortgage Professional
1.888.679.0190
akroemer@mortgagegroup.com
www.comoxvalleymortgagestoday.com
Thursday, September 8, 2011
What About Insurance?
What about Insurance--- I have my mortgage now should I also get insurance to cover me if I should get sick or have an accident.
Well the stats are
Almost half of all the mortgage foreclosures in Canada occur because of an accident, illness or death. Consider these statistics in Canada:
A life threatening cancer is diagnosed every four minutes
Someone dies of heart disease or stroke every seven minutes
Every day 144 people suffer a stroke - 21 of them will die and 110 will be left with some form of permanent damage
For an item as expensive as a house, insurance can make a lot of sense. Somethings are just out of your control.
As a mortgage professional, I offer you advice, competitive rates, and tailor your mortgages to fit your unique situations.
And because my goal is to build long term relationships with my you, it makes sense for me to advise you on how to protect your home in case of accident, illness or death. As I do for your mortgage I will give you all the information about the insurance we are offering , including a 1-800 number for questions related to health so you can make an informed decision.
The TMG Mortgage Insurance product is 100% portable!
Where other insurance products may not be portable and that becomes a problem when you want to refinance or do a switch. The insurance may be cancelled which means you must reapply. What if your health has deteriorated? Can you still get coverage? Will the premium be higher?
Contact me to discuss your insurance needs.
Angela Kroemer Mortgage Professional
1.888.679.0190
akroemer@mortgagegroup.com
Well the stats are
Almost half of all the mortgage foreclosures in Canada occur because of an accident, illness or death. Consider these statistics in Canada:
A life threatening cancer is diagnosed every four minutes
Someone dies of heart disease or stroke every seven minutes
Every day 144 people suffer a stroke - 21 of them will die and 110 will be left with some form of permanent damage
For an item as expensive as a house, insurance can make a lot of sense. Somethings are just out of your control.
As a mortgage professional, I offer you advice, competitive rates, and tailor your mortgages to fit your unique situations.
And because my goal is to build long term relationships with my you, it makes sense for me to advise you on how to protect your home in case of accident, illness or death. As I do for your mortgage I will give you all the information about the insurance we are offering , including a 1-800 number for questions related to health so you can make an informed decision.
The TMG Mortgage Insurance product is 100% portable!
Where other insurance products may not be portable and that becomes a problem when you want to refinance or do a switch. The insurance may be cancelled which means you must reapply. What if your health has deteriorated? Can you still get coverage? Will the premium be higher?
Contact me to discuss your insurance needs.
Angela Kroemer Mortgage Professional
1.888.679.0190
akroemer@mortgagegroup.com
Wednesday, September 7, 2011
Why Refinance and go Through all that Hassel?
Very good question !!! This article will answer questions as to refinancing to save money on your mortgage payments.
To alot of us refinancing is a major headache. You start off checking all the banks rates and then the credit unions and then private lenders rates and by the time you decide on one lender all the rates have changed and you start all over again.
But, usually you give up and try again in 6 months or a year later, or when the 6 pm news tells you rates are down again.
If you contact a Mortgage Broker they do all that work for you and it is at no cost and no obligation. The lender pays the mortgage broker.
Your broker will let you know if you should refinance or stay at the rates you are at now.
The service is fast and takes all the stress away from you. You know the saying "work smarter , not harder". Mortgage brokers allow you to do this.
Why should you refinance:
There are a few reasons why you should look into refinancing. The reason most people know is if the rates go down enough it is better for you to refinance. You can have a lower mortgage payment, saving you money, or you may want to keep your mortgage payment at what you were paying and then pay off your house sooner.
Another reason not so well known is when you bought your house your credit rating was not perfect, which means to get your mortgage you had to pay alittle extra because you could not get the best interest rate. But now since you have been paying on the mortgage and all your other bills on time your credit rating is much better, now you can qualify for the best rate. Saving you money.
When buying your house you just went with what the bank offered you as the interest rate. Most banks will offer you a higher rate because they know that you will go along with it because you are not a seasoned home buyer. You were just happy to get a mortgage and questioned nothing. Taking a good look at your mortgage may reveal this and now because you have a mortgage broker on your side you can get better rates, saving you money.
If you fit into any of the above categories, contact me. I will go over your mortgage and let you know if you should refinance or stay where you are. No cost--No obligation.
There are other reasons to refinance so that you can buy something in return using the equity that you have built up in your home.
Such as :
to buy investments
to go back to school
to buy another property
debt consolidation
financing a renovation
Combining 2 mortgage payments into 1
Angela Kroemer Mortgage Professional
1.888.679.0190
akroemer@mortgagegroup.com
To alot of us refinancing is a major headache. You start off checking all the banks rates and then the credit unions and then private lenders rates and by the time you decide on one lender all the rates have changed and you start all over again.
But, usually you give up and try again in 6 months or a year later, or when the 6 pm news tells you rates are down again.
If you contact a Mortgage Broker they do all that work for you and it is at no cost and no obligation. The lender pays the mortgage broker.
Your broker will let you know if you should refinance or stay at the rates you are at now.
The service is fast and takes all the stress away from you. You know the saying "work smarter , not harder". Mortgage brokers allow you to do this.
Why should you refinance:
There are a few reasons why you should look into refinancing. The reason most people know is if the rates go down enough it is better for you to refinance. You can have a lower mortgage payment, saving you money, or you may want to keep your mortgage payment at what you were paying and then pay off your house sooner.
Another reason not so well known is when you bought your house your credit rating was not perfect, which means to get your mortgage you had to pay alittle extra because you could not get the best interest rate. But now since you have been paying on the mortgage and all your other bills on time your credit rating is much better, now you can qualify for the best rate. Saving you money.
When buying your house you just went with what the bank offered you as the interest rate. Most banks will offer you a higher rate because they know that you will go along with it because you are not a seasoned home buyer. You were just happy to get a mortgage and questioned nothing. Taking a good look at your mortgage may reveal this and now because you have a mortgage broker on your side you can get better rates, saving you money.
If you fit into any of the above categories, contact me. I will go over your mortgage and let you know if you should refinance or stay where you are. No cost--No obligation.
There are other reasons to refinance so that you can buy something in return using the equity that you have built up in your home.
Such as :
to buy investments
to go back to school
to buy another property
debt consolidation
financing a renovation
Combining 2 mortgage payments into 1
Angela Kroemer Mortgage Professional
1.888.679.0190
akroemer@mortgagegroup.com
Sunday, September 4, 2011
My Long Weekend
Not so exciting.
I loaded up the bookkeeping disk and started looking through all my receipts. Time to tackle this job. It took a couple of days because each receipt was different . I had to stop and go look on the web for the answers to my questions.
Then I decided that my computer was too cluttered with programs, pictures and games. I dug out the external hard drive I have had for awhile and found the cords( tricky part was to find the right cords) and plugged it in.
So I did a back up, deleted the programs I never used, also the games I never played and put all the pics onto the hard drive.
Now I have a computer that feels new again.
Next was all the emails I was saving for I don't know what. But first I had to get a white board to write all the events coming up. I found a white board at Costco with a calender, a place to write notes and a place that has cork board on it-- all in one board.
So as I was deleting the emails I could mark a date on the calender or jot down a note on the board.
Now I am organized.
Remember now that the children are going back to school and you have a few minutes of free time. Call me for a check up on your mortgage. I may be able to save you money because the rates are low . If your mortgage is coming up for renewal you can renew with me and save yourself money. You don't have to renew with your last lender and why would you if I can get you a better deal.
I loaded up the bookkeeping disk and started looking through all my receipts. Time to tackle this job. It took a couple of days because each receipt was different . I had to stop and go look on the web for the answers to my questions.
Then I decided that my computer was too cluttered with programs, pictures and games. I dug out the external hard drive I have had for awhile and found the cords( tricky part was to find the right cords) and plugged it in.
So I did a back up, deleted the programs I never used, also the games I never played and put all the pics onto the hard drive.
Now I have a computer that feels new again.
Next was all the emails I was saving for I don't know what. But first I had to get a white board to write all the events coming up. I found a white board at Costco with a calender, a place to write notes and a place that has cork board on it-- all in one board.
So as I was deleting the emails I could mark a date on the calender or jot down a note on the board.
Now I am organized.
Remember now that the children are going back to school and you have a few minutes of free time. Call me for a check up on your mortgage. I may be able to save you money because the rates are low . If your mortgage is coming up for renewal you can renew with me and save yourself money. You don't have to renew with your last lender and why would you if I can get you a better deal.
Thursday, September 1, 2011
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