Reduce Your 30 Year Mortgage To 10 Years Using Mortgage Cycling

Written by Ted Kushner


Continued from page 1

Mortgage cycling allows a homeowner to build up equity in their home fast using a patent pending technique. So fast that it ends up paying off a traditional 30 year mortgage in just about 10 years.

At first I was skeptical on how powerful mortgage cycling is until I compared using a typical $150,000 loan for thirty years at 7% interest. After runningrepparttar figures thoughrepparttar 112040 difference between a bi-weekly mortgage versus mortgage cycling is dramatic.

Bi-weekly Mortgage Cycling Equity 1 year $1,520 $14,061

Equity 3 years $4,900 $44,972

Equity 5 years $8,787 $74,179

Equity 9 years $18,397 $136,429

No matterrepparttar 112041 loan amount, interest rates or mortgage term, mortgage cycling showed to dramatically cut downrepparttar 112042 payment time and interest payments to your mortgage company overrepparttar 112043 life ofrepparttar 112044 loan.

Imagine what you could do with all that extra money that you can put back in your pocket instead of your mortgage company.

Now mortgage cycling may not be for everyone. But for someone who hasrepparttar 112045 discipline it can be a very effective way of building uprepparttar 112046 equity in your home and to pay it off extremely fast versus using a standard bi-weekly option.

Ted Kushner writes about consumer issue topics of interests. If you would like to learn more about Mortgage Cycling and how it can benefit you visit: http://www.affiliaterevenuesources.com/mortgage-cycling .

© 2004 Affiliaterevenuesources.com


FIVE QUESTIONS TO ASK YOURSELF BEFORE BUYING A STOCK

Written by Tanner Larsson


Continued from page 1

Measures like return on equity and return on assets help you understand how efficiently a company allocates its resources, and they allow you to look beyond raw profit numbers. Companies withrepparttar same earnings figures might have very different returns on equity and returns on assets, depending on how well they have turned their assets into profits.

4. How Healthy Are Its Finances? Earnings and cash flow are two different things. You could earn a very generous salary but still run into cash-flow problems if you get paid only twice a year. Because of quirks in accounting practices, a company’s reported earnings often differ fromrepparttar 112039 amount of cash it brings inrepparttar 112040 door. The statement of cash flows, which is part ofrepparttar 112041 annual report, will tell you just how much ofrepparttar 112042 money a company pocketed.

It’s also important to see howrepparttar 112043 company uses that cash. Digging intorepparttar 112044 cash flow statement to find out whererepparttar 112045 money’s going can shed light on management’s strategy and give you additional insight intorepparttar 112046 company’s future. Is it building aggressively forrepparttar 112047 future by opening new stores or building new manufacturing facilities? Is it buying other firms, paying off debt, building up cash reserves, buying back stock, or paying dividends?

Companies can also issue debt to finance new plants and research efforts or to bail itself out of short term cash problems. Companies need to watch their debt levels, though. Too much borrowing can forcerepparttar 112048 company to use its cash to pay interest, instead of applying it to more productive ends.

No hard-and-fast rule will tell you how much debt is appropriate for a particular company, because levels of indebtedness can vary across industries. To get an idea of whether a company is overburdened by debt, divide its assets by its equity. The result isrepparttar 112049 company’s financial leverage.

5. Is It Worthrepparttar 112050 Price? A company might clear all these hurdles, but sell at too high a price to be an attractive investment. It all depends on how much its prospects are worth.

To figure that out, look at its forward Price/earnings ratio, for example General Electric has a forward P/E of 41, which means thatrepparttar 112051 shareholders now pay $41 for $1 ofrepparttar 112052 company’s future earnings.

Another widely used measure isrepparttar 112053 price/book ratio. That shows how much shareholders are paying for $1 ofrepparttar 112054 company’s assets.

Whichever ratio you use, compare it with its parallels for other companies in its industry and forrepparttar 112055 market as a whole. That will tell you how expensiverepparttar 112056 stock is, relatively speaking. Remember, stocks with very high P/E and P/B ratios can fall dramatically when any little thing goes wrong.

Analyzing stocks isn’t easy, but you will be off to a solid start if you ask these questions first before buying a stock.

Tanner Larsson is a veteran entrepreneur and the publisher of the award winning Work At Home Success Newsletter. Subscribe to his newsletter and recieve 4 EXCLUSIVE Bonuses valued at $276. http://www.work-at-home-resource-center.com


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