How to Pay off Your Mortgage Faster (The Truth) 

I have a HELOC and 8 credit cards at 0%

@@kevinburt8638 that is a beeautiful thing Kevin!!!

@@kevinburt8638 email gina@creditmasterfixllc,com she would help you increase your credit score

You will pay double for your property with that strategy!

If you had a $400,000 home would you take out $100,000 from your equity to invest into the stock market that answer would be "no" because their is risk in the stock market, paying off home principal is a 100% guarantee on your money. You cant beat that and a paid off mortgage!

Instead of extra payments, I suspect you would be better off putting the $782 per month into shares of Apple and Amazon. The video more or less describes how you can get out of being a debt slave When you have cash you have options. Smart people hold on to cash. They don't instantly shove it toward debt. Once it is used to pay on the debt, it is no longer accessible.

One part of this vid that I do like is the idea of not taking on a large debt in the first place. I think there should be a balance between the amount of debt you incur and the amount of cash you can invest. I would rather have a $1000 house payment and $1000 going into stocks than a $2000 house payment and no stocks. If you have cash and you’re confused I will suggest you contact a finance advisor

@@ralfbrown-kl1gp You should be doing both investing in shares and contributing to your mortgage “if you have one that is” Like the video says it's about reducing the compound interest that you get hit with over the life of the loan.

@@marcellasilva4015 Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?

Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?

That is so amazing, I’m trying to get onto the investing ladder at 40. I wish at 55 I will be testifying to similar success..

There are actually a lot of ways to make high yields in a crisis, but such trades are best done under the supervision of Financial advisor.

Thats true, I've been getting assisted by a FA for almost a year now, I started out with less than $200K and I'm just $19,000 short of half a million in profit.

@@theresahv That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?

Finding financial advisors like Julie Anne Hoover who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.

Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.

I will be happy getting assistance and glad to get the help of one, but just how can one spot a reputable one?

There are advisors in cities around you but I needed services of one who can guide me irrespective of location. Dawn Maureen Humphrey comes highly recommended especially in times like this. I am hedging and haven't lost much to the recession. I found her in 2020 when the market was at an all time low. Look her up and thank me later.

I am on her site doing my due diligence. She seems proficient. I wrote her an email and scheduled a phone call. Thanks for sharing

Many people are still getting fantastic returns on their investments during this time. Simply maintain a strong sense of reality or ask for professional assistance.

You will need a reliable FA to help you through the current market turmoil. I've been talking to an advisor for a while now, mostly because I lack the knowledge and energy to deal with these ongoing market conditions. I made more than $320K during this slump, demonstrating that there are more aspects of the market than the average individual is aware of. Having a Financial consultant is now the best line of action, especially for those who are close to retiring

@@Adukwulukman859 That does make a lot of sense, good for you though, unlike us, you seem to have the Market figured out. Who is this consultant?

I've spared myself the hassle that a disorderly market brings. Because of my line of work, I am unable to manage my portfolio, so I simply mimic the trades of Elise Marie Terry, a Financial consultant I watched on Bloomberg Business News. These days, the best approach to enter the market is through reading, researching, being patient, and getting advice when necessary. After that, everything went smoothly.

@@Adukwulukman859 Found her webpage by looking up her name online. She seems very proficient.

Nobody knows anything you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving.

I agree, that's the more reason I prefer my day to day invt decisions being guided by a init-coach, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a init-coach for over 2years+ and I've netted over 2.8million.

@@Alejandracamacho357 I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?

@@PhilipMurray251 The thing is that I really don't like making such recommendations. But there are many freelance wealth managers you could check out. I have been working with "Deborah Sue Bohn " for about four years now, and she's made decent returns. If she meets your discretion, then you could go ahead.

@@Alejandracamacho357 I looked up your advisor's full name and she appears to be trustworthy and knowledgeable. She is a fiduciary who acts in any individual's best interests. So I left a message on her website, and I'm hoping she responds soon.

Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.

Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes. If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.

Personally, I can connect to that. When I began working with Colleen Janie Towe’’ a fiduciary financial counsellor, my advantages were certain. In these circumstances, I would always advise getting professional help so they can steer you through choppy markets and just give you indicators and strategies for knowing when to enter and exit the market.

@@joshbarney114 Would you mind telling me how to contact this specific coach using their service? You seem to have the solution, as opposed to the rest of us.

@@eloign7147 You can quickly do a web check where you can connect with her, and do your research with her full names mentioned earlier..

Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in-depth market knowledge.

It all depends on how long you're willing to hold for, stocks might likely tank further, but making serious gains in this downtrend wouldn't be a problem if you're a pro.

@@clementhart760 The reason I decided to work closely with a brokerage adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had a brokerage adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.

@@carlosjohnson5457 Hi, please who is the expert assisting you and how do I reach out to them?

My financial advisor, *MARTHA ALONSO HARA* , is a highly qualified and experienced professional in the financial market. She possesses a broad understanding of portfolio diversification and is recognized as an expert in this field.

Find stocks with market-beating yields and shares that at least keep pace with the market for a long term. For a successful long-term strategy I recommend you seek the guidance a broker or financial advisor.

Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.

@@Stanleytucci819 Please can you leave the info of your investment advisor here? I’m in dire need for one.

my financial advisor is DIANA LUISE HINES. A middle aged lady from USA who really knows her stuff

@@Stanleytucci819 Thank you for this amazing tip. I just looked the name up, wrote her explaining my financial market goals and scheduled a call

As with any big financial decision , it’s important to keep your guard’s up for economic risks. However, smart planning ,time management and seeking advise from a financial adviser can help keep you and your money safe.

@@tatianastarcic Yes i agree and right now the markets are going berserk right now. This is the best time to watch them, get to know them better, and strike when the opportunity presents itself. I learned that from my mentor, Nicole Joi Anderson, a CFA, she's seen dozens of market cycles over the past few decades, and she has a feel for how they move, why they move, and what comes next.

@@maiadazz I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?

​@@richardhudson1243 My advisor is Melissa Scott Glazner, she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

Subscribe to dave ramsey, he'll get you on track

Did you do double payments or something else

Good for you. Me too…I paid my mortgage every 2 weeks, with my pay check, so I paid 26 times per year. In addition, I paid $50 more every 2 weeks plus an extra house payment annually. And I put a couple of thousand dollars with my annual bonus. So an extra $5k annually. I was able to cut the amount of interest in half and pay off my mortgage 8 years early. It’s easy when you just pay a little extra every month.

@@layy8069 since you went through it do you think this is a good idea Putting a down payment of 100k And set up a payment plan of 1100 every 2 week for a few years

What is the best way to make money from investing in crypto at the moment?

Yeah that's right I think the best way is to invest with a professional, at least it saves the trauma of too much losses. This just surprised me because I also invest with Karen Clara

Similar to any other investment avenue, the stock market requires a substantial level of expertise to sustain profitability. While my approach has predominantly involved buying and holding stocks, my portfolio has been in a state of decline for a considerable period. Achieving substantial gains necessitates consistency and the periodic restructuring of your portfolio to adapt to market dynamics.

I believe that holding was comparatively simpler in the 1960s, and the landscape has become more complex nowadays. Those who consistently generate gains in the present era are often seasoned pro. This is why, for the past five years, I've enlisted the services of a fiscal guide. Their expertise has been instrumental in consistently building and managing my portfolio, with an eye toward securing my fiscal

I fully recognize the significant advantages of collaborating with a pro, but thus far, I haven't identified the right one for myself. Could you provide more details about the fiscal guide who has been guiding you?

I've enlisted Stacey Lee Decker as my fiscal guide, and her expertise contributes significantly to the fiscal industry. Acknowledged as a reputable authority in the field, she holds a deep understanding of portfolio diversification. I encourage further exploration of her credentials. With her extensive experience, she proves to be an outstanding guide for those aiming to grasp the complexities of the fiscal market.

Stacey appears to be really knowledgeable. Her resume, educational history, and qualifications were all quite good when I found her internet page. She will act in my best interests because she is a fiduciary. I thus scheduled a session with her.

I'll suggest you find a mentor or someone with experience guide you especially in this recession. especially for your 401K, IRA and portfolio diversification.

@@LehmannAlicia I agree, I thought I was doing alright profit wise, until I needed assistance with diversification, I reached out to a financial advisor and in less than a year I was just $51,000 shy away from $640k which is like 7x more than I make on my own..

@@LukeDiogo I've been thinking of going that route been holding on to a bunch of stocks that keeps tanking and I don't know if to keep holding or just dump them, think your Inv-coach could guide me with portfolio-restructuring..

@@LehmannAlicia I've shuffled through a few advisors in the past, and KRISTIN GAIL CUNNINGHAM remains the most resourceful thus far. Her strategy proves profitable, and sustainable both in a bull & bear market. Most likely, her deets can be found on the net, so you can confirm yourself.

@@LukeDiogo I just looked her up on the internet and looked into her credentials. I wrote her a letter outlining my financial objectives and planned a call with her

Since I met DiscreetPhaseResolution I was able to resolve all my issues from my Account kudos to that great man behind my smile you’re the best!

Since I met DiscreetPhaseResolution I was able to resolve all my issues from my Account kudos to that great man behind my smile you’re the best!

Since I met DiscreetPhaseResolution I was able to resolve all my issues from my Account kudos to that great man behind my smile you’re the best!

Yeah I don't think you'll be a millionaire. You can barely even pay your rent.

FHA for Chapter 13 , you can apply now. Better make sure your credit is clean since so recent. Don't expect a bunch of big promises to be true. You can't erase something that is accurate from credit report , it has to fall off in time. Your score will not be in the high 700 or 800's , that will take time to re-establish

Consistency is the key to a successful investing journey as modest investments for longer periods of time will usually outperform larger investments over shorter periods. I’ll keep working with Mr Zach his ways are very defined and yields results

Who is Zach Micah Demers?

He is a financial analyst and the advisor who has helped me learn how to consistently secure wins from investing regardless the nature of the market

I've come across a lot of recommendations but this one stands out. Zach Micah Demers’ profile is sophisticated, and shows he has been actively contributing in the industry. Thanks for the info!

Zach Micah Demers is a highly knowledgeable investment advisor and financial planner who helps me navigate the complexities of investing. His insights and recommendations have been instrumental in growing my portfolio from 40K to 120K

There are many interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell stocks.

@@MarcusFred-wn3iv Having an investment adviser is the best way to go about the stock market right now, especially for near-retirees, I've been in touch with a coach for a while now mostly and I made over $800K within a short time

@@DavidAntony-gq7id That's impressive! I could really use the expertise of these advisors. how can I get to your advisor?

@@MarcusFred-wn3iv renowned for her proficiency and expertise in the financial market, *KRISTIN GAIL CUNNINGHAM* my financial advisor, holds a broad understanding of portfolio diversification and is recognized as an authority in this domain.

@@DavidAntony-gq7id I Found her online page by searching her full name, I wrote her an email and scheduled a call, hopefully she responds

@Inthemoment830 As I said, I was a novice when it came to investing before I got to know an astute fund manager, Herman W Jonas, who is guiding me through the process. I put in $35k as capital spread across stocks(etfs, index funds,) and forex with his guidance and I’ve made a return of $113k within the investing span. I'm slowly but perfectly building my portfolio by putting money into the market at a consistent pace.

Do people ever fall for this dumb shit? 😅

Yeah. I knew this when I bought a home. But what I neglected to do was compare it to the cost of renting. Now I have buyers remorse

Agree

Truth be told, Herman is indeed Legitimate. Looking back, I wish I had crossed paths with Herman long time ago. Because I would have invested under him rather than those so called gurus and liars. But it’s better late than never since I’m finally earning good ROI.

I get such GREAT service every time I go to the *850 CREDIT RESTORATION* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!

At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by *850 Credit Restoration* team lol, i didn't made it myself

Since I met DiscreetPhaseResolution I was able to resolve all my issues from my Account kudos to that great man behind my smile you’re the best!

Since I met DiscreetPhaseResolution I was able to resolve all my issues from my Account kudos to that great man behind my smile you’re the best!

Since I met DiscreetPhaseResolution I was able to resolve all my issues from my Account kudos to that great man behind my smile you’re the best!

He advised that I invest the extra money I pay on my mortgage into stocks , forex and crypto, that has been the best advise I've gotten in over a decade because my investments in cryptocurrency has changed my life.

I've made over $786k in barely 11 months of investing in cryptocurrency and forex, isn't that amazing !!!

Yes there are different approach to things , it's cool as long as your decision favours you

i have been making researches about crypto investment and i have read good stories about its money making potentials but the whole thing gets me confused as I do not have adequate knowledge of how the market ?

How are you able to make profits with your investment in crypto?

Hello, I am in London and am considering investing in real estate as a way to get some passive income. A few years ago, my brother purchased a home in a county outside of London. Because he was unable to find tenants, the property was eventually repossessed. As a result of this experience, I'm concentrating on purchasing real estate in London, where it's quite challenging to obtain a mortgage because of the high cost of the properties. Would you kindly recommend an easy way, where one may try to sustain these cost on mortgage?

First, Jessica you need to have a salary of at least 25k before you will be considered for a mortgage, that you need for properties. If you want to achieve a 75% yield yearly, try looking out for an investment management coach or else you will be competing against professionals themselves.

Generating returns are usually phenomenal. What would have been really interesting would be a proper breakdown showing their costs , services, investors return..

That's an intentional way to live, that's the only way to become debt free. I've already paid off two previous mortgages. Now I'm working on my third and I cannot wait since it has to happen before retirement in four years and I'm already getting there the proficient way, Luckily for me my trader and coach Frost Hilda has been using every opportunity to ensure I benefit from each turn the market takes. Good luck staying debt free as much as possible in the future.

I like the reward tip Jade! My husband and I are working on paying off our mortgage fast, and I think that will help motivate us. I can't wait to be mortgage free! We have a plan, and should be able to get there in 5 years or so, with extra effort.

American dream unlocked. What an achievement to have a paid for home in the richest country on Earth.

​@@williamlyons3947 9.5% in the last year? Where? Fantasies?

@@williamlyons3947 - “Brandon” 2024. Are you joking! Have you tried to build a simple storage shed in your backyard? (And don’t tell me you don’t need a shed - you know darn well what I’m talking about. Have you tried to make an omelette? I know what…have you tried to fill up your gas tank for your vehicle (watch this puppet come up w “I have an EV car.” All these simple every day items that affect regular middle class people ( lumber, gas, baby formula, even freakin’ eggs, etc) are all through thru the roof. Have you been living in the US for the last two years? That’s not to mention all the other fk-ups “Brandon’s” & his admin have done: the Afghanistan debacle, the southern border, the crime rate, this current train disaster (that he doesn’t have time for - along w his so-called transportation sec, his 10% “to the big guy” involvement that he denies & on & on & on & on … and you publicly advocate for another four more years !.? A pure embarrassment on the world stage & you write 2024. One more thing…& all the freaks he put in his administration: (trans this & gay that & non-binary [what ever the fk that means], & pronoun this & let’s have males compete in female sports & have males allowed in females’ locker rooms & then to top it all off, you have cackle Harris. That says it all. My goodness! What country are living in! 👊. Yeah I wrote it…”did you see what he wrote…he said “freaks.” KMA! That’s what you dems, & libs got out of my rant? No wonder.

@@williamlyons3947 - Ha! Didn’t I tell you readers that he was going to say he didn’t need a shed. Didn’t I tell you. Then he says he has an EV car - again lmao. I told you he would say that - geez! So typical these people. Then he starts mentioning how eggs are bad for you. Really! They just don’t get it do they? I don’t know why. As for why Biden is called “Brandon” - look it up, man. This guy has perfectly proved my point to the tee.

Congrats guys

Use 100% of your tax refund to cap the max on the I series of Treasury Bonds, adding 5K of paper bonds to the 10K annual max. The current interest rate is 6.89%. No one has a mortgage interest rate that high.

@@TheSubmissionChannel Have you checked current mortgage interest rates recently? People do have mortgage rates higher than the bond rate.

@@beckymathews8820 That's because they're idiots.

I do. 7 percent.

Very cool! Happy Birthday to your Mrs! Great gift, thank you for sharing your story.

Quicken loans does the bi-weekly for free,I had my mortgage thru them

If you have an unpaid mortgage and you have and no clue on how to clear it no matter the amount all you do is startup with a little investment which i can recommend you about

Real facts Ethan I had a business preposition that turned out to be a mess due to that I feel into huge depth with your words I realized that I needed an Investment expert. Like a pro to give me better guide on how to begin a successful investment. I'm also open to good recommendations. Any ?

@@Windarti30 All you need is a pro. Michael Adams Jay would help you out with all you need to know he is a guru. He is a financial Advisor

@@andresLK How can I reach out to this pro?? 🙏

@@Windarti30 reach out to him using the provided information..

Awesome!!! A little sacrifice goes a long way! Keep at it. Thanks for your comment 👍

So true

What was your strategy that helped you?

Thanks for your comment and congrats on your new home!!

It just transfer of learning. It's basic Math, and common sense.

and if they ever give you that first month of no payments if you can make a payment cause that will also go straight to principle

You just need a brain.

Congrats on your 1st 🏠

Thanks for this info, I'm also in Australia and your comments are very relevant to me.

Thank you Kim!!

Thanks! You got this!! 👍

Thanks Gerrie!

Thanks 🙏🤑👍

You also made the correct choice to be born soon enough to have bought a home during the best time in 20 years to have bought a home. If I would have known how badly the market was going to skyrocket after 2018, I would have focused on getting a mortgage on an affordable home with a good rate, then gone to engineering school later. I could have bought the house I’m renting for $150k at 3% in 2014, today it is 500,000$ at 7%. My annual income as a full time auto mechanic was roughly $50k, my salary as a mechanical engineer is $90k. School doesn’t seem like it was the best investment nowadays. lol

@@MechAdv unfortunately it usually never is

@@joshc7655 Well now that the economy is fucked and cost of living is through the roof, I definitely couldn’t afford to live on 50k/year in 2022. So 6 of one half a dozen of another. Being a millennial is just a never ending financial battering.

@@MechAdv we’re all screwed

@@MechAdv when I started out we bought a $43,000 house but the payment took a third to half of our monthly income. Interest was at 14.5% and had come down from 18.5% two years before. It’s all relative. People also spend money on a lot they don’t need. We seldom did dinner out and didn’t pay for cable. Don’t pay now either. My ‘rabbit ears’ give me over 100 stations. I pay for internet only and around $80 a month. I don’t buy things on credit. I either have the money or don’t.

I paid My 30 Year Mortgage In 11.9 Years, 100% Legitimate! Want To Know How I Did That?

Sounds like you are doing great!! Thanks for your comment! Make sure to check out my other videos about retirement savings and personal finance. Here is another one you might enjoy --> ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-sYRQva_fNQs.html

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Thanks Richard!! 🙏

Preach it brother!!

I have said this exact thing before. My favorite is when those same people tell me they pay someone to do their taxes aka a 1040ez form. So you can tell me every player and all their stats for the 1973 New York Giants but you just payed someone to do a 1040ez tax form? WTF!

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Thanks!! Glad you found it helpful.

Thanks so much!! Glad you found it helpful 😊👍

Yes!! Definitely!

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The whole point he made is that interest is calculated monthly. Multiple payments doesn't matter. Also, if your friends invested 30k into their retirement account or mutual fund they quite possibly made more on their money than paying down a low interest rate mortgage

@@stevenp25100 possibly but my investments took a shitkicking and mortgage rates here more than doubled so I’m pretty happy with the way things turned out.

Your mortgage rate doesn't change, I'm not following the logic.

@@stevenp25100 it sure as hell does if you’re on an open variable or renewing! I think you lack knowledge in general Steven.

@@beri232 cool... and if your investments are making you less money than your mortgage interest, you're an idiot and yeah should just pay off your mortgage

Thanks Quix!!

Doesn’t sound crazy to me!!

If you take the time to do the math on the velocity banking it pays down the debt much faster with your funds being liquid. The interest in the short and long term is much less. You only leverage what you can pay down in six months or less so if the banks yank the personal line my choice or the HELOC you can handle it. I can dip into savings and pay it off any time I like. Chunks of the banks' money to pay off your mortgage early not your money with much less interest. You use your pay each month to keep interested at bay and save thousands on the mortgage interest. Take a closer look at velocity banking you all are missing simple pieces of the puzzle. Think about how much you could invest every month if you did not have a mortgage in 6 0r 7 years! Velocity and I will see you on the Mountain!!

@@TommyleeATGMAILDOTcom-ws3wg great. What can go wrong?! Thanks so much

You'll be surprised how many people don't do it. My parents always moved and started their mortgage all over again every year. Pay heaps of interest

Exactly either pay more on the front end or more in the back and either way you're going to pay there is no way around it

That's the best way to go. It might feel good to say I have a mortgage'. It's more fun to say 'I own my home'!

How is it going now?

Thanks!!

Thanks NeeNee!!

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Thanks J S!!

Not!

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Congrats!! That is wonderful!

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Thanks 🙏 Appreciate it.

Awesome Paul!! Thanks for sharing.

How do you make a payment to the principal? Is it a payment to the mortgage and then add some?

@@Angelinuh2015I would just add like an extra $500 per month to the mortgage payment check. I would actually mail the check in each month. They should automatically apply the additional amount to the principal. Check with your lender. There are benefits to taking out a longer loan, then pay it off early with additional principal payments. That way, if you would hit a rough patch financially, you can revert to the original lower payment for a while.

@@pauljoseph2400 thank you!! just bought a house and I'm 30! I would love to do the same.

@@Angelinuh2015 Good luck Maria ! The first few years of payments tend to be mostly interest anyhow , so if you can pay some principal as well, it will make you feel better about it. 😃

Thank you 🙏

Hi Wontok 🐠. I grew up in the North Solomon Province. I remember the radio ad, “PNGBC, the bank for you and me” (from the 80s) lol 😆

Problem belong u

Glad it helped!!

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Man I try my best to get my wife on the same page with that but all she wants to do is blow money

Standard

Do more research to become comfortable with HELOC because if you want or need one, you will want to get your HELOC before you retire while you are at peak earning and highest credit score. You do not have to use it for uo to 10 years but it will be there in place just in case. Remember this rule of thumb: when you don't NEED credit, it is very easy to get credit but when you desperately need credit nobody will lend to you!!!

Thank you!!

Thanks Samoan Irwin! 👍

should you set up a HELOC before you start paying extra money into the principal? or is that even possible?

​@@hipmoma A HELOC can be created at any time but it is easiest to do so when first getting a mortgage or at renewal. The reason is because an appraised value of the property is needed, as it determines the max amount of the HELOC. Also, the increasing value of the property does not factor into the max amount of the HELOC until a new appraisal is performed. Also, any time the structure of a mortgage is changed, you have to re-qualify for that mortgage structure. If life circumstances have change, this may affect your qualification.

This velocity banking is not hard, but requires you to be diligent. Agree with the video but it’s worth doing as you can save Hundred of thousands of dollars. Better spent time doing this than shopping for deals or cutting coupons

All homes are paid off in 8 years?

@Richard Smith iiiiiiijjjjjjjjiijjjjjjjjjjjiiiiiiiiiiiikiiii8kdugfiicpp

@Richard Smith What's the point? How can she get her money back? That's what you need to be talking about. I've never heard of anyone getting their money back after paying off a home or anything in that matter.

@Richard Smith Interest is paid on money owing as per the contract you cannot get it back that's silly.

@@TruDiva In Australia we have redraw facility loans, I believe you call them HLOC, basically we pay extra money into the loan which reduces the principal borrowed some interest is calculated on the remaining balance each month, but you can withdraw money if needed, which of course sets it back, so you don't redraw any if not essential, I cut holidays and eating out and other things I don't need and boom 8yr finished on a $660,000 house

Thanks Michael!! Glad you found it helpful. Make sure to check out a recent video I made about compounding interest. ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-yzH34EYVykg.html

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Thanks Erik!

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Thank you!!

That's awesome!! I love credit card rewards programs. So much free travel up for grabs. I made a video about how to take your family to Disney for free using rewards programs. Travel Miles 101 and the Points Guy are great resources for all the stuff.

whats the link/title of the video

@@derekbaut here you go - ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-eeaVfr083Xo.html

@@SchoolofPersonalFinance Thank you Sir 🙏

Derek Bautista made that video like a year ago and with all the shit going on a lot has changed with credit card offers but concept is still the same.

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Great!! I’m glad you found it helpful.

I saved around $200,000 and am almost finished building my 4th house 6yrs later, life is easy without rent or mortgage payments.

Thanks!!

Thank you Diedre!! 😊

Thanks Agatha!!

Thanks Jeremiah! 🙏

Thanks 🙏