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I wanted to let you know about some dramatic changes in the federal government senior Home Equity Conversion Mortgage (HECM) program, which are commonly called Reverse Mortgages or the FHA insured reversed mortgage program. Many of you have heard me talk about the great benefits this program offers in the past for seniors aged 62 or older who want access to their home equity without having to sell or leave their homes.

This program was first launched under President Ronald Reagan to assist senior homeowners pay off their mortgages and other debts. It also allows seniors to take out cash for any reason including long term health costs, home improvements or to supplement their monthly income. In the past, the loan approval process was simply based on these factors: Your age and the value of your home. There was no requirement to prove your level of income or creditworthiness. Even if you had credit issues including a bankruptcy or foreclosure in the past, you could still get a reverse mortgage.

Staring March 3rd , all that is going to change. If you apply after that date you will be approved for a reverse mortgage based on your income, debts and credit rating. If your credit or income as shown on your tax return is not sufficient to meet the new guidelines set by FHA, the reverse mortgage lender will be required to hold back some of your loan proceeds to pay for future property taxes and property insurance. This might lower the amount you receive from a reverse mortgage by a large amount. Experts estimate that as many as 30% of the people who are now eligible for a reverse mortgage will no longer qualify after these new rules go into effect.

There is still time to apply under the existing guidelines, but you have to move fast. If you are interested in getting information on reverse mortgages and how they may be able to help you, I urge you to contact United Mortgage Bankers at www.smartmoneyreverse.com or call them at 855-979-0502 or 631-396-1809 and ask for Russell Silver.
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Jordan Goodman discusses how commercial mortgage bridge loans work with Lynette Robbins of Knowles Systems. Commercial Mortgage Bridge Loans allow you the investor to earn a guaranteed 6% annual yield in monthly checks and then receive your principal back in a completely secure way in one year.

To find out more and sign up for a mortgage bridge loan, contact Knowles Systems.

Resource: Knowles Systems Website: www.knowlessystem.com

Phone: 888-518-3113 ext 1

Learn More by Watching the Video Below:

https://www.youtube.com/watch?v=XtMvA0j_7FA

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As most of you know, a home has become one of the largest investments people make.

If you would like to get more out of what you own and what you earn, put your money to work by saving interest with Equity Optimization. Your bank will not tell you about this program.

A great resource on Equity Optimization, I recommend on my radio shows is Truth In Equity. The typical Truth In Equity customer saves 10’s of thousands in interest and 15 or more years off a 30 year and 10 or more off of a 15 year mortgage.

Truth In Equity is not a mortgage company. Truth In Equity is a financial strategy company that is fluent in all aspects of financial strategies helping you get more out of what you own and what you earn.

When you visit Truth In Equity you will immediately discover just how much unnecessary interest you have paid and will be paying with conventional practice. Many discover that paying more toward principal isn’t an advantageous practice since it COSTS money before you can SAVE money. Get out of debt years sooner than you ever imagined and discover how you can save and build a stronger financial future for you and your family by visiting http://www.TruthInEquity.com.

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As many of you know, I spend my days looking for exciting investing opportunities that free you from fluctuations of stocks and bonds and provide high safe yields. That is exactly what I have discovered with First Position Commercial Mortgage Bridge Loans. You've heard about these on my radio shows and during National TV appearances on CNN, MSNBC and other news channels. I've been getting so many questions about them, I thought it would be good to send a short email outlining the benefits and where to get more information about them. Commercial Mortgage Bridge Loans are safe and profitable. Not only that, but they satisfy the two key strategies I recommend: Stabilize your finances. Incorporate secure opportunities with a high yield into the overall mix to ensure steady growth. Keep the duration short. Don't lock up your money for the long term: leave the door open for emerging opportunities. Find out more information here on how you can earn a guaranteed annual yield of 6%, paid in monthly installments, with Commercial Mortgage Bridge Loans or request information from my trusted partner: Knowles Systems.

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As many of you know, I am passionate about helping people increase their savings and reduce debt. For most people their biggest debt is their mortgage. That's why it's so important to take action when there are "windows of opportunity" - specifically when mortgage rates take a sudden, and often short-lived DROP. In the past month, mortgage rates have fallen nearly 1/2%! These types of sharp drops occur once in 18 to 24 months. So please read below and see if you should take action. That means you could have significant savings available if you act. 15 Yr. rates as low as 3.125% (No Closing Cost options ~ 3.5%) 30 Yr. rates as low as 3.75% (No Closing Cost options ~ 4.125%) FHA & VA Government rates are EVEN LOWER ! (No Closing Cost options below 4%) If you or anyone you know can answer yes to any of the items below: If Your Current Rate is Over 4.25%, Or You Have an A.R.M. ACT NOW ! If You Currently Pay Mortgage Insurance If You Currently Have an FHA Mortgage You May Be Able to Change and Save Then you should consider Switching to a 15 Yr. Loan to Save on Interest or consider switching from to a 30 Yr. Loan to Save on Cash flow. Remember - reducing your rate by 1/4% for NO COST can save you 2 years of mortgage payments! Visit www.YouCanRefi.com to learn more information on this extraordinarily rare opportunity.

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If you’ve never invested in stocks or have only limited experience with them, you might be harboring a COMMON MISPERCEPTION of the stock market: It’s a dangerous, volatile place where thousands of sophisticated professional traders and brokers lurk to steal your hard-earned money.

The reality is there are millions of small investors like you who have been able to finance their dreams by successfully buying and holding for years shares of profitable companies and of mutual funds that buy such shares.

This report will help you learn how to micro-manage your funds so that your money multiplies itself. Each section contains useful tips, techniques and action strategies you can implement right away.

Read on and reap the financial rewards!
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For your children to have a bright economic future, they will need a college education. Years ago, most employers expected workers to have a least a high school diploma; today, a college degree is considered a minimum requirement for most well-paying jobs.

This report will help you learn how to micro-manage your funds so that your money multiplies itself. Each section contains useful tips, techniques and action strategies you can implement right away.

Read on and reap the financial rewards!
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Achieving financial security in your retirement years has never been more important. The key to achieving a financially secure retirement is to start early. The younger you begin, the more you capitalize on your biggest ally: time.

Massive changes in society mean that more people than ever before in human history will live in retirement for longer periods of time. The only solution to the coming retirement crunch is to understand your options, plan carefully to meet your goals and follow through on your plan.

You can learn to micro-manage your funds so that your money multiplies itself. Use the techniques and tips and action strategies included here in combination with those included in the other sections and watch your money grow.

Read on and reap the financial rewards!
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The two-thirds of Americans who do no estate planning might be shocked to learn that when people die without wills, the probate court takes over and can dominate survivors lives for years. The small amount of time and money you must invest now to dictate what happens when you die is well worth the effort.

Combined with the tips, techniques and action strategies included in the other sections of this report, you can learn how to micro-manage your funds so that your money multiplies itself.

Read on and reap the financial rewards!
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Along with purchasing a home and funding college tuition, buying a car numbers among the largest investments you will ever make. Long gone are the days when you could spend $5,000 for an economy car that would last for years. Today, cars come in a staggering variety of styles and price ranges and offer an incredible array of options. Use this report to help you determine whether now is the right time for you to make such a great investment.

This report will help you learn how to micro-manage your funds so that your money multiplies itself. Each section contains useful tips, techniques and action strategies you can implement right away.

Read on and reap the financial rewards!
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