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What about the need for other insurance protection such as short-term and long-term disability programs and long-term care insurance? As home values rise, home owner insurance policies limits have not been adjusted to cover the Dwelling Protection (building & improvements) and Other Structures Protection (decks, car ports, etc.). You should also review Personal Property Protection coverage limits as well. Please call me to discuss this. Merely having insurance policies in-force, is not always enough to protect you.
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Mortgages & Mortgage Refinancing: I have been working with Immediate Mortgage, Inc., located here in the Frederick, Maryland area for two years now. They are offering tremendous new mortgage and refinancing packages. If you are interested in the most competitive mortgage for your needs, let me know and I'll arrange a telephone interview for you, with my associate at Immediate Mortgage. With interest rates still being the lowest they have been in decades, there's no reason to not see if a refinance will help you. It will cost you nothing to find out and could save you hundreds of dollars a month. Did you know that a 1.75 percent reduction in interest on a 30 year mortgage saves you $115.64 a month? If you invested that savings in a Roth IRA using a monthly long-term investment plan, that returned a conservative 8%, after 15 years you will have just over $40,000 to use tax free upon retirement! So even if you have a 7% or slightly lower rate, but are hesitant to refinance because of expensive closing costs, rest assured that Immediate Mortgage has consistently matched or out performed the competition in terms of rates and closing costs. Call me to discuss the do's and don'ts of home-equity credit lines, purchasing a house or refinancing your present mortgage.
Check out the Helpful Links page. I have added an interesting news link which also provides links for global news sources. Also, remember to add the Financial Calculators page to your Favorites list. I have received a lot of positive feedback regarding the calculators from web-site visitors.
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