Ive seen and read about a few different options for paying down your mortgage balance at an accelerated rate. There are programs that offer a software package, and there are other programs that just recommend to make additional principal payments whenever possible. In my journey to pay down my mortgage faster, Im going to use the latter of the two options.
I read an article awhile back that said if you want to pay down your mortgage in half the time, all you have to do is send in a payment equal to double the principal each month. So lets take my latest payment for instance: On June first, my payment amount was $1,791.57 - of this amount, $246.57 went to principal, $1,263.20 went to interest (a waste of money in my opinion) and $281.80 went toward my escrow account to pay for my property taxes.
Lets say that I wanted to pay my mortgage down in half the time, then I would simply have to double the principal amount from $246.57 to $493.14, bringing my total monthly payment to $2,038.14. Really not that big of a difference.
I could simply make up this amount by not going to lunch everyday - figure I spend on average $10/day on lunch over 20 days, theres $200 bucks right there. Almost the full amount that I need to make a double principal payment. Instead of changing my lifestyle though, Im going to use the income generated from this blog (and some of my other online ventures) to make additional payments to principal.
To start this, Im going to be sending in a large principal only payment in during the middle of June so that when my July payment is calculated, more of my payment goes toward principal since the interest owed will be calculated on a lower amount. During June, I plan to send in a principal payment in the amount of $2,500 whatever other income I can pull from this blog during that time. The $2,500 is my 2007 tax return, and since I havent blown it on anything stupid yet, I figure that I might as well put it to good use.
Pay Down Your Mortgage
What we really need to achieve is precision, or as close to it as we can obtain. To achieve this objective we need to understand how Google works. For more details visit to www.googleatmcash.com when the Google spider crawls your site to determine which adverts to display it must be concerned ONLY about the content.
A few prominent online business people have speculated that not much optimization is necessary, but I sense that is their justification for not being bothered, plus they are not 'Google Adsense' experts. Here is the answer...
Priority one - is to use the 'main' word in the website page name 'cum' extension. Don't use for example - yourwebsite.com/page003.html - it should be - yourwebsite.com/101-adsense-tips-and-tricks.html, or whichever your subject is.
Priority two - is to use the word or word phrase in the html 'title' Meta tags. That is. In Microsoft Front Page every new web page built is initially given by default, a Meta tag of - New Page 1. This needs to very specifically your word or word phrase only.
Whilst we are on Meta tags I'll mention 'Priority 6', albeit out of order. The key description has been abused in the past where people have been adding 200 words in the tag area. Just build a page specific to the key or phrase; and put the key alone within that tag: Many search engine optimizers have argued whether this tag has much use anymore. I'm one to say, better safe than sorry.
Whilst still on Meta tags it would also seem prudent to mention the word or phrase in the Meta tag description. Such a description is what the search engines pick out to display in the listings. A good description including your key will attract people to click on your website link over and above choosing another website first.
Priority three - heading tags. That is the h1, h2 etc ... Avoid using a heading like this: Today's Special Offers. You would be better including the Google-Key within the title, like this: Property in London - Here are Today's Specials.
Priority four - making your Google-Key bold. You're Google-Key or phrase density should be between 2 to 5%; any more than that and you may be accused of spamming your Google-Key. On a page with a 1,000 words, I would say that making every keyword bold maybe too much. Just make the first two mentions of it bold, for more details visit to www.guardadsense.com and then the very last mention bold.
Intermingled with the bold it is good to italicize sometimes and underline another.
I hope these have helped and you arrange for tweaking your website soon.
Both Ben Needles & John00000001 are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Ben Needles has sinced written about articles on various topics from Business Credit Cards, Anger Control and Business Credit Cards. About the Author (text)Braxton Haines owns and writes the blog - Blogging 4 My Mortgage where he answers common questions people may have about home ownership, home loans, mortgages, foreclosures and more. Learn more about how to save. Ben Needles's top article generates over 550000 views. Bookmark Ben Needles to your Favourites.
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