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Undertaker In Real Life

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For many people an option ARM really is the best choice. The Key is to explain it right. Perhaps this case study will help.



I have a client a single mom with 2 children. She managed to save small down payment and decided to but a house. The problem is how much house could she afford. At the time she bought her house she could only afford about $700 a Month PITI. We managed to get her into a $120,000 house with 10% Down. Her Mortgage payment on a 5 Year Option ARM was only $440 a month for the first 5 Years leaving her $260 a Month for Tax and Insurance. At the time she bought her house 2 years ago she was thrilled to get the loan.

I ran into her recently and asked her how things were going she said she was a little disappointed in her loan because she now actually owed more on her house then when she got the loan a little over 2 years ago, I said to her let's set up a half hour appointment where we can talk it over and see how we can solve the problem.

We got together a week later and discovered in 2 years the amount she owed (her principal) increased by less then $2,000 yet her house appreciated in value over $15,000 based on recent comps in her area. An unrealized gain of over $13,000. I said to her what is better to be a renter and pay your Landlords mortgage or be an owner and pay your own mortgage. I further explained to her how each month she has We looked at some refinance options but she decided to keep the loan she had because it did give her 4 payment options each month

  1. minimum payment,
  2. Interest only payment,
  3. 30 year payment
  4. 15 year payment.


A lesson I learned from this is even if I think a customer understands the loan at closing it is always best to follow up every few months. I turned an upset customer into a happy customer and got a referral out of it, I am now following up with all my option arm customers.

About the Author

Mike Makler Offers Financial Services (Mortgages,Life Insurance, Annuity) in Florissant Missouri which is in North St. Louis County Missouri Just Across the Bridge from St. Charles Missouri

Call Mike at 314 398-5547

Visit Mike's Web Page:

http://ewguru.com/finance

For Missouri Specific Insurance and Loan Questions:

http://ewguru.com/Mo-Finance

Get Mike's Newsletter Here

http://ewguru.com/fin-news

Copyright ? 2005-2006 Mike Makler
Undertaker In Real Life
It's a part of the human makeup. We all do it whether we realize it or not. It's something we can fall back on to help us through difficult and uncomfortable situations. There are different names for it, but we just call it acting. Acting is defined as a person who portrays a character, either on stage, or screen. The character is usually fictional, but can also be someone who is alive or once lived. The profession of acting has been around a long time. Even the ancient Greeks had shows in their theatres.

There are acting schools and lessons and training. Acting can be a very well paid job, depending on where you are and who you are. The acting of the past probably carried more prestige than today, but the money wasn't nearly as good. Acting use to be a craft, while today it's more of a show. Many of today's acting stars are not even considered great or good actors and it doesn't matter. If the person on stage or screen has something that keeps the audience paying; then that's really all that matters.

You don't even need to attend schools or classes to be an actor in today's world. Look at reality TV, or what I call un-reality TV. There are so many people on these shows and they have no training in the field of acting, yet they are actors. They hope that these shows will somehow make them a star, at least for a little while. These shows have probably lowered the status of acting. Television is to blame. Apparently television is going through a uncreative stage. The writers for television seem to be having a hard time developing shows that would require trained professionals; so instead, they bring together a bunch of non-actors, stick a camera in their face and call it a TV show.

If you crave to see some very good acting, then you need to watch soap operas. Soap operas have always been down the food chain when it comes to status, but the soaps have been around for along time and many big screen stars got their start doing soap operas. Another interesting thing about soaps is that they're a daily event. From Monday through Friday these characters become a part of your everyday life. Maybe that's why soap fans identify with the characters. Soap actors are some of the most recognized and beloved actors on the planet.

Acting is still a very popular profession, though it probably doesn't require the skill it once took in the past. Television, through need or laziness has decided to put their fate in the hands of unskilled actors, so far it's working, because a lot of people watch those un-reality shows. Sure, there are still a few great character actors, but you just don't see them too often. Because of all the short-cuts that exist, that allow people to get their faces on camera, you have to wonder why anyone would go through the training and classes and all that is required to be a good actor, if they could find an easier way.
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About Author
Both Admin & Michael Russell 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.

Admin has sinced written about articles on various topics from Infidelity, Tax and Class Action. Mike Makler. Admin's top article generates over 368000 views. Bookmark Admin to your Favourites.

Michael Russell has sinced written about articles on various topics from Celebrities, Dieting and Diabetes Treatment. Michael RussellYour Independent guide to Acting. Michael Russell's top article generates over 2240000 views. Bookmark Michael Russell to your Favourites.
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