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 Lawyer Chris Temple,  Injury Lawyer   For your  Well-Being!

A few of my favorite Insurance & Investment Rules

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Gross-up

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What would it look like if everything that stops you was out of your way? All the stories that stop you, all of the excuses, all of the thoughts, like "I don't have enough time" or "I'm not good enough" or "I don't have enough money". If all of these thoughts and more were cleared out of your way, what would you create? What would you do right now? 
All the Best - Sharon Chartrand

Karen Sharon Kirk is Karen Sharon Chartrand otherwise known as  KC & ASSOCIATES,

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AMORTIZATION
Shorter amortizations can cost you less interest and help you pay off your mortgage sooner. Since we’re pointing out the obvious, we should also note that making a bigger down payment and buying a cheaper house save interest as well. This is the type of generic advice that some mortgage commentators like to give while applauding the recent amortization reductions. Few media types have acknowledged that extended amortizations are actually a valuable tool when used... intelligently.
It seems that publicly advocating longer amortizations has become semi-taboo, almost like promoting legalized marijuana. But a borrower’s best interests are absolutely not always served by the shortest mortgage. When choosing an amortization, folks must ask two questions right off the bat: (i) Can I comfortably afford my mortgage if rates rise 3%, and (ii) Is there a better use of my cash flow than making larger payments on my mortgage? If the answers to these questions are both yes, then the longest possible amortization may be appropriate. In truth, lower amortizations provide net savings only if you have no better alternatives for the money that would have gone towards paying down your principal.
To put it another way, eliminating your mortgage quicker can actually cost you money if: a) the return on your excess disposable income is greater elsewhere, and/or
b) you have insufficient contingency funds. Certain types of people need to pay extra attention to the opportunity costs of shorter amortizations. They include:
• Investment property owners (who need to minimize payments to maximize cash flow)
• Self-employed borrowers (who need to reinvest in their business)
• Commission earners (who need to build contingency funds for lean months)
• Investors (who invest in higher-returning assets)
• Families (who need to pad their contingency funds, pay down higher interest debt, top up registered retirement accounts, or build education savings).
So before you jump on a shorter amortization because talking heads say it’s the right thing to do, carefully consider if lower payments would further your financial goals more.
(SOURCE: Mortgage Trends) Blessings. Sharon Chartrand
Chris Temple,  Injury Lawyer
Free Consultation  

Published on Mar 24, 2014

Chris Temple has put together a 3 part series of information on how you can survive financially, if you are unable to work after sustaining injuries in a car accident in British Columbia. This video is Part 1 of 3.

Free Book 


WINNING YOUR B.C. INJURY CLAIM: How to Successfully Navigate the ICBC Minefield

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AMORTIZATION
Shorter amortizations can cost you less interest and help you pay off your mortgage sooner. 

Call Sharon or read Sharon's article...

KC & ASSOCIATES 

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Published on May 15, 2012

12-year old exposes the immorality of the global banking system and why sound money is essential to freedom and stopping the spread of misery on this planet.   Mathew 21:

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