Seniors-Investment-Income

Seniors-Investment-Income
Commit to Mortgage Freedom

Reverse Mortgage, Guaranteed Investment Certificates and Bank Term Deposits, and the Income Trusts Dilema

Seniors-Investment-Income from investing in Income Trusts, Annuities and Fixed Income Securtities deliver rapid Mortgage Freedom: YES !!
Reverse Mortgages, Debt and compound Interest : NO !!

Investment Income for Seniors ? What's the best Income?- The Term Deposit, the Guarnteed Investment, GIC or the Reverse Mortgage? And how about Income Trusts? Can either bring mortgage freedom to us Seniors? Investment Trusts and Income Trusts are perhaps the best source of Retirement Income at a 5% to 8% compared to the 3% generated from Term Deposits. Some Income Trusts guarantee the Principal. They all have superior tax advantages!!

SUBSCRIBE TO A FREE MONEY LETTER TO LEARN THE SECRETS OF THOSE INCOME TRUSTS THAT DELIVER HIGHER LEVELS OF INCOME AT RISK LEVELS LOWER THAN EQUITIES:

This first letter helps you to understand Investment news. Income Trusts will make you Money. But News Reports will hide that fact from you....Even scare you. Click on the Link below to learn how to dramatically increase your monthly Retirement Income with some safety.
Send for the Report Investing In Income Trusts. Don't let News Reports scare you! Get an expert opinion on the latest news reports on Income Trusts.

Investing in Income Trusts and Financial Data from the Smart Mortgage Money Letter

You can learn the truth about Income Trusts investments and the difference between Income trusts stocks and mutual funds, Real Estate Investment Trusts, Bonds and other fixed Income Securties. Have a Free subscription to the Smart Mortgage Money Letter if you follow the link and subscribe. The Smart Mortgage Money Letter is a regular publication with financial data and sound investing ideas. This month, you will see how Borrowers make actual cash from their Mortgages. Later on, you will learn how you too could receive monthly income cheques from the Equity in your home. No question about loosing your home in the Reverse Mortgage smozzle! Subscribe Now to the Smart Mortgage Money Letter. All this knowlege will be yours.
Join the Group of Seniors who pass on solid Investment advice to First Time Home Buyers. Contribute your valuable investing advice so you don't check out with all the music still in you.... Get a FREE SUBSCRIPTIION and join the Smart Mortgage Money Action Group!! Exchange income and investment ideas with the Experts. Make a contribution and learn

Income to Seniors from Investment Loans

YOU CAN ACCESS THE EQUITY IN YOUR HOME IN ORDER TO CREATE AN INCOME. For Seniors who need cash now, here are the steps to Mortgage Refinancing - Refinance your mortgage at today's low rates. GMAC is one of the largest mortgage lenders in the US. Apply for a mortgage, compare loan programs and rates, refinance your current mortgage, and consider a home equity loan or line of credit. Our Credit Advisors will convert that cash into a steady income stream.

Consumers Retirement Money

In addition to the Retirement Income need, Seniors often have a huge challenge with getting themselves free and clear of mortgage payments. Statistics show that a Senior Citizen may have been involved with paying down two or thee mortgages in addition to the home where she is currently living. By age 70 to 80, you as a Senior may already have considerable equity in your home. The challenge is to get an Income from that equity.

The Reverse Mortgage, although popular, is usually not the best answer. An Insurance Annuity may be better, except for the current low interest rate environment. Forty year lows have held up far too long. And Annuity payments are lower when rates are low.

If, as a Senior, you previously depended on the GIC Returns for guaranteed income for living expenses and to pay down the mortgage you now have a serious problem. The solution is to find a reliable income source so you could safely live on the savings you built up in your home, over your lifetime. You need not restrict your goal to a debt-free home. Some debts incurred for the purpose of generating income may be considered good debt. Especially for a Senior, if your immediate need is income, then we must use the most efficient way to create that income.

You can use loans as good debt to a senior for income or for mortgage freedom purposes. You will see later on why this solution could be sound investing advice contrary to traditional standards for financial Planning advice. In some cases, especially creative cases, the usual straight line thinking does not always apply. Suggestions from the Home Equity Page, and the Insurance Investing Page could be beneficial to you a Senior in your search for ways and means to receive income to pay monthly bills or to pay your mortgage off sooner.

I�ll assume that you are house rich, but cash poor. As a Senior, without a full time job you have two conflicting needs. The first is the goal to pay off the mortgage on a lower level of income. We must face the inevitable fact of a limited lifespan. You have a race against life's clock.

The second conflicting goal is the deep-seated desire to leave some assets behind for the Children.

Your home is not yet your asset until you have removed the bank�s interest as a mortgage lender. How can you now pay down the mortgage on the reduced pension income and limited resources now at your disposal? The immediate solution is to separate confusing teachings about debt.

Our first step in the ACTION GUIDE to mortgage freedom is the �C = COMMITMENT�. That means your Commitment to give up all common beliefs about Debt, Loans, Lines of Credit, Mortgage Payments, Investments. Traditional beliefs, like old technology can become outdated. No one even thinks about the old telegrams anymore, because, the telephone, the pager the fax machine, the cellular phone and now the internet have relegated telex messages to the museums of developing communications technology.

In matters of finance, unfortunately, old ideas still carry validity and wisdom. Some basic principles are sound and must be followed. Others are Outdated, Old fashioned, Obselete.... How do we know which piece of ancient wisdom to follow and which ones to ignore? We must be smart!!

TO END EXCESS PAYMENTS ON MORTGAGES, DEBTS AND TAXES RIGHT NOW .... FOLLOW THIS LINK:

FAST CONTACT TO STOP MORTGAGE PAYMENT WASTE!!

Smart Money Post-Retirement Action Plan and
Investment Income For Seniors?

A Smart Mortgage, Post-Retirement Money Action Plan can contain all of the elements you need in a financial plan: investment income, safety, tax advantages, inflation protection�..A quick mortgage freedom plan for seniors could include an investment loan for income from the home equity to add to other retirement income. Some of the new income we spend, some we use to pay down the mortgage fast with our SMIP.

The exact nature of SMERP or SMIP, Smart Mortgage Investment Plan, must depend on several pieces of important data. First of all We must have a thorough understanding of the individual for whom we prescribe financial advice. That is why I would highly recommend you use a good Financial Planner to implement the ideas we recommend based on your prsonal data. That Advisor must understand and believe the strategies outlined here. Failing that, your fate will be relegated to those safe, Guaranteed Investments as financial solutions that every Bank's Loans Officer thinks are good for Seniors. But the statistical data already prove that those solutions deliver less than six chances out of 100 for success.

Having said that, I must warn about the practice of many, Seniors ME INCLUDED, to expect something for nothing. A good Financial Advisor is worth her weight in gold. Too often this profession is denigrated by Cheapskates who are looking for something for nothing. The commodity an Advisor has to sell is her advice, her time, her knowledge, her skills, her contacts. She will spend countless hours creating a fantastic financial rescue plan for the Financially Challenged. Then, the Challenged Creep would turnaround and pass on those in-house secrets to the competition with the hypocritical excuse that this was done to seek a second opinion. Second opinions are good. But they must not become an excuse for procrastination.

Post-Retirement Investment Income
Solutions for Seniors:

Great Fund Managers spend hundreds of hours trying to lick the problem of unearned Income most Seniors need at retirement. Answers they have come up with beat the Guaranteed Investment Certificates, (GIC's)Term Deposits and even the Annuities, lately.

Some Investment Income solutions call on you to spend the money from your Retirement Savings or the Retirement Income Fund and still have an increased value for the sum invested. Some are satisfied with delivering income alone. Then the principal sum remains intact. Data on the investment record for Mutual Funds organized as Income Trusts show safety and performance during the recent turmoil in the equity and investment markets. Returns of 10% to 15 % have been reported for Income Trusts, Dividend Funds and Diversified Funds and Balanced Funds. And this, when traditional Equity Mutual Fund returns still struggle to get out of the negative. If you were depending on the returns of the GIC or Term Deposit over the last five years you are not happy. At a 2.6% rate of return with interest payments fully taxed, your income cannot keep up with inflation. The math goes like this:-

GIC Returns = 2.75%
Inflation = 2.60%
NET RETURNS = 0.15%

If you pay taxes in those years, then you have been eating into your capital. YOU HAVE A NEGATIVE RETURN FROM THE GIC AND YOU DON'T EVEN KNOW IT!! .

SEND FOR THE REPORT THAT SHOWS How To get Extra Income to pay the mortgage"
Read up on the published Articles from our Mortgage Specialists by following these links to Ezine Articles:

As Featured On Ezine Articles ALFRED FRASER, MA: MORTGAGE AND INVESTMENT ARTICLES !!

Other superior advantages come from using an Insurance Investment as the fast mortgage repayment vehicle. In spite of your advanced years, the insurance investment strategy may be quite suited to your circumstances. THIS REPORT WILL EXPLAIN !

To fully explore Insurance Investing and to fully appreciate the wealth of options that could work for you in spite of advanced years. SEND FOR THE FREE REPORT ON "Investment income Solutions for Seniors."

Seniors Retirement Income and
Income Trusts Resource Centre

Do you Have a Retirement Income Question?
Ask an Expert at the Forum

Credit Advisors at Consumer Credit Solutions specialize in Credit Income for Seniors. These advisors are always sympathetic to answer questions from Seniors. The company has maintained a membership in CARP and 50 Plus the national organizations where seniors' issues are debated.

Help is here. Regardless of the circumstances, whatever the challenge may be, Credit Advisors are trained to seek out a workable solution to your benefit as a Consumer.

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