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Current Newsletter

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Articles of Interest

Ask Yourself These Five Questions... by Marian Snow, Author of the Best-seller Stop Sitting on Your Assets

1. Did you make an excessive down payment on your home?

2. Do you have untapped equity from the appreciation of your home?

3. Are you making extra payments on the principle of your mortgage?

4. Are you making bi-weekly mortgage payments?

5. Are you really saving money by acquiring that smaller mortgage?

Because so many of us feel negatively about mortgages and what we mistakenly think they are costing us, we often make large down payments on our homes in order to reduce the mortgage we need to get. In an attempt to improve our situation, we are actually condemning ourselves to tremendous financial losses over time. Each mortgage payment is cash out of your pocket, cash that you'll no longer have access to. Essentially, it is cash that's being "bricked up" in the walls of your house rather than being put to good use-like making you more money for your future. Have you ever stopped to ask yourself if there was a better way? Not many folks do…but if you're reading this, then you're on the right track. I can tell you the single costliest decision you'll make in your life and the single biggest financial opportunity lost. Want to know more? The important thing to know now is that once you understand how paying off your mortgage is actually costing you money, you'll be able to take measures to turn the situation around. You'll be able to take advantage of the wealth-building straregies used by the financial savvy and wealthy among us.

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Obstacles to Retiring Securely
Although many people focus on market risk, there are five other risks that can have a crippling effect on your retirement.

Risk #1: Inflation
Since 1950, inflation has averaged slightly over 4%. It that were to continue, a dollar a day would purchase only 60 cents worth of goods and services in 10 short years.

Risk #2: Income Tax
You may think you have been getting a 6% return on some of your investments, but if you are in a combined tax bracket of 33%, you are really only getting a 4% return since part of your return has been lost to income taxes every year... Click here to read the entire article.



Immediate Action Required: Take control of your Financial Independence today!

If you had the opportunity to pay off your mortgage 5, 10, 15 years early, save in excess of $100,000 in mortgage interest payments, and you could do so WITHOUT changing your current spending habits, WOULD YOU? Every month millions of people write out their mortgage check dreaming of the day when they will send their last one. Unfortunately, that day is often 20 years or more down the road. Every month these same people try to figure out how to send a few extra bucks a month to their lenders to reduce the time it takes, even if it's only a few months. Many people enter into "bi-weekly" plans that take off a few years. But there is a better way, let us show you how!

FINANCIAL FREEDOM IS WITHIN EVERYONES' REACH! Learn how YOU can Achieve It: THE SMART AND QUICK WAY! THE SMARTER AND QUICKER WAY! THE SMARTEST AND QUICKEST WAY. To find out more about: Getting Out of Debt, Optimizing your Assets, Becoming Financially Secure, Paying for College Comfortably, Enjoying a "Stress Free" Retirement, contact us at 508-998-3221.

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7 Ways to Lower Your College Expenses and
Easily Pay the Amount That's Left

There is little doubt that you remember the horror and agony that was study hall while you were completing your high school education. While I hate to be the bearer of bad news, here it is: You are being requested to study hall again! This new study hall session is where you must concentrate to make sure you are getting the most money for college education for your child or grandchild.

Consider the following seven steps to overcoming the high expense of college. If you still aren't on board, grab a hall pass... Click here to read the entire article.



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Denise J. Boisvert & Associates, Inc.
904 Ashley Boulevard
New Bedford, MA 02745
Phone: 508-998-3221
Fax: 508-717-0396
Email: info@denisejboisvert.com
Website:
www.denisejboisvert.com
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