Huntington Woods, MI

Speechless Sunday: From The Zoo

The Detroit Zoo is a wonderful place to take the family. My particular favorite place is the Butterfly Gardens. Besides being a nice, warm place to go during the colder months, I think the dozens of varieties of butterflies are wonderful. Here is one of my favorites.

The Detroit Zoo is located at I-696 and Woodward Avenue in Huntington Woods, next door to Royal Oak.

Over the years I have received numerous calls from stock brokers and the like asking me to look into their latest and greatest. My response has always been, "Truthfully, I don't invest in anything other than private hard money mortgages because that's my business, I've worked in hard money lending and real estate for the past 23 years and I understand it. I use my Self-Directed IRA to purchase 1^st Mortgage Notes and I'm not interested in putting my money into something that is not secured by a tangible asset and I require real estate." Unless I hang up first, that's usually the end of the conversation.

No one can argue that investments such as stocks, bonds, and mutual funds have lost money for investors and in some cases have lost everything through a bankruptcy or business failure, all you end up with is a worthless piece of paper. If anything goes wrong with my investment I end up with a property that I can sell or rent out and I cannot be wiped out through a bankruptcy or business failure.

The mortgage Notes I purchase are funded through my Self-Directed IRA. Most are purchase-rehab loans for investment houses and in some cases the house may already be owned by a real estate investor and they only need the rehab money. Make sure the rehab funds are always escrowed in a fund control to be paid out in releases after inspections are made. The Notes are written for a short term, typically 13 months, just enough time to finish the repairs and cover possible ownership seasoning requirements. The borrower can then refinance to pay off the mortgage or sell to an end buyer who will pay off the mortgage.

As a licensed mortgage lender our company goes through all of the usual paperwork; we take a loan application, run the borrower's credit, verify income, have the property appraised by one of our appraisers (I also personally inspect the property), close and insure the transaction through a local title company using a full set of mortgage documents, much like a conventional lender's loan file. The most I will lend is 50% of the current appraised value so we have plenty of equity protection.

If you need more details or have a question about hard money or private money lending and using a self-directed IRA please e-mail me at Trent@Metro-Mi.com or call my office at (248) 547-3006 or my cell phone at (248) 854-0625.

Trent Dalrymple

Metro Mortgage Investments LLC

26789 Woodward Ave., Suite 107

Huntington Woods, MI 48070

Enjoy all Huntington Woods has to offer at a great price! Brick bungalow with a full basement and an oversized garage. Walk to downtown Berkley and the HW Community Center. Clean and move-in ready home with an updated kitchen. Many special features and recent updates. Call or email to scheule a day and time to see inside. Newer Kitchen, bath, gas forced air furnace, central air, hot water heater and more! photo's on Http://[Links are not allowed]. To directly access this property, use this shortcut: http://www.fizber.com/michigan-buy-single-family-home-11689694.html

Mature Market Life Insurance

You've worked hard to provide for your family and to build your nest egg. But what will happen to your assets when you try to pass them on? You may believe your Will takes care of this transition for you, but a large value of your estate may be lost to death taxes and estate settlement expenses.

Illinois Mutual has designed two unique Whole Life policies with the Mature Market in mind - Simplified Issue Whole Life & Single Premium Whole Life - that can assist you in making a tax efficient transfer to your desired beneficiary.

Simplified Issue Whole Life is an annual premium policy that provides guaranteed premiums and death benefits. This policy would be ideal for those who wish to provide a grandchild's college education, finance home improvements, reduce credit or mortgage obligations, fund a new business or pay for final expenses and taxes.

Single Premium Whole Life offers all the advantages of traditional whole life with the payment of a one-time premium. This policy would be ideal for those whose financial goals include gifting, charitable giving, trust creation, estate planning or wealth transfer.

Both policies are for issue ages of 45 to 85 and include an Accelerated Benefit Rider* at no additional premium. This rider provides access to policy funds for financial needs that arise from terminal illness or nursing home confinement.* Both products are non-illustrated, with guaranteed face amounts and guaranteed cash values and can be issued with a death benefit as low as $5,000.

Ted Lewicki is the president of Pillar Financial Corporation located in Waterford, Michigan. Ted will help you analyze your financial situation and customize a plan that works for your family's life insurance needs. Find out more at http://www.pillarmortgage.com/

Servicing: Oakland County, Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak,
Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

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