Bonnie Clark

What Exactly is "Home Equity"?

The equity in your home is the difference between what your home is worth is today's market and how much you currently owe on your mortgage. For example, if your home's current appraised value is $200,000 and you owe $100,000 on your mortgage you have $100,000 in home equity. Your LTV or loan-to-value would be 50% LTV. If you currently owe $220,000 on your mortgage you would have negative equity. That is not an uncommon problem right now.

You can build equity slowly over time or speed up the process. How can you put your home equity to work for you? The current real estate slowdown will eventually pass and when the housing market recovers homes will begin to appreciate again.

One option is to put a larger down payment on any home you plan to purchase. You start out with greater equity.

Another option is to keep your home well maintained and stay on top of all needed repairs. That is a must if you don't want to lose equity. Then consider upgrades for your home. There can be significant differences in the appraised value of "model-matched" homes because of upgrades and condition between the two. Check with local real estate agents and property appraisers to learn which home improvements give you the greatest bang for your buck.

Refinancing to a shorter term mortgage is a very common action taken by people actively looking to build home equity faster. There are several hidden factors in refinancing that may need to be considered to determine if this common strategy is best for one's financial goals and needs. For many who do have negative equity this is currently not an option.

There is another option available today to be proactive in building home equity while avoiding the pitfalls of a potential refinance. Contact me, Bonnie Clark, to learn more about the Money Merge Account, a proven system that is helping tens of thousands of homeowners like myself build home equity even in a down market. Don't give up hope. Options are out there. It is always a win to increase your net worth by building greater equity. bonnie@dynamicpayoff.com

United First Financial Pre-Launches BizPack Featuring - UDeduct

United First Financial announced a new product called BizPack^TM. It is an all inclusive business suite to help small business and home based business owners have the edge they need in a competitive market. It will be a one stop resource for marketing, managing, and personal development as well as money saving tools to help them succeed in the market place. Many systems tell you what to do but this system tells you how with the content to make you successful.

Millions of people will be entering the home-based business world for the very first time over the next two years, and they are going to be looking for a leader. You have an opportunity to capture their attention, establish a trusting relationship, and build a massive business while the rest of the economy falls apart.

Competition will always be fierce. But there is one strategy that always wins obviously that strategy is a winning system, and in a time when people are desperate for leadership, it can take you and your business to incredible new places. UFirst has built that winning system in our new product. Our winning system includes:

• GoToMeeting^TM-Expand sales outside your local area and minimize travel in your area by presenting and training up to 1,000 attendees through the industry-leading GoToMeeting system.

• Marketing-Use a proven marketing system with content and templates to market yourself and find prospects outside of your warm market.

• Contact Management-Follow up and track all actions of your current and future prospects. Save time and increase efficiency with the systems email drip campaigns and auto responders, calendar and task management.

• Video Prospecting-Send and track videos to your prospects. Save time by only contacting the ones who you see actually watch the videos.

• Success Magazine© - Stay motivated with a monthly dose of Success Magazine, the leading magazine for self help and self improvement. In addition, listen and learn from a monthly message from Mark Victor Hansen, the co-author of the Chicken Soup for the Soul series. His insight will teach you the secrets of becoming a successful entrepreneur.

• UDeduct^TM-This analysis tool will help you find additional discretionary income through tax savings available for home-based business owners. Once you show your prospects the legal and ethical deductions available for home-based business owners, selling this system will be a no-brainer. There are over 100 deductions that small and home-based business owners.

• Business Marketing System-Teaches you how market at much lower costs on Google and similar services for pennies. This system includes email templates, a monthly client newsletter and auto responders integrated into the contact management system. In addition it teaches you how to send direct mail and market on the internet. This system will teach you how to keep in touch with your warm market and increase leads outside your warm market to increase sales. Many systems tell you what to do but this system tells you how with the content to make you successful. Marketing is the key to make you successful in any business. This system will allow you to attract new clients, potential agents and increase your bottom line.

All components of the system are integrated into one, easy-to-use portal for simple navigation -increasing your work productivity.

Opportunity

During our pre-launch period, there is absolutely zero barriers to entry. By registering now at no cost, you will automatically receive your personal replicated website. During our pre-launch phase we will waive the one time BizPack activation fee and the BizPack agent registration fee.

Not only does the BizPack continue to offer the financial benefits of the traditional UFirst compensation structure, but now you have the benefits of building a significant residual income, with no limit to the number of members you can add to your team!

What are you waiting for? If you have ever wanted to improve your financial future and be part of a ground floor opportunity, Register now, and secure your spot. Sign up for BizPack click here.

As part of our business plan we all use technology to make life easier, right? We work smarter by keeping in fornt of our previous clients to help generate leads, referrals, and future business. Thank heavens for modern technolgy and how it has simplified the process.

I use a contact management system, auto-responders, gotomeeting, send videos, etc. as I am sure most of you do. The costs add up but it is worth the savings in time and the price of stamps, right?

I just came across a way to save money on an integrated system and I want to share it with you while it is in its pre-launch period. I know it will save me lots of money on a monthly basis and I am thrilled it will all be tied in together in 1 system from 1 portal.

Here is a link if anyone else would like to see what this is. I particularly love the udeduct feature!

https://www.mybizpack.com/bonnieclark

The number 1 issue of Success From Home magazine in 2009 is devoted to a highly aclaimed company rapidly gaining momentum across the US and parts of Canada. The company is United First Financial and the goal is to change the financial landscape of America. The product is the Money Merge Account system which is a web based mathmatical software system that helps you calculate the quickest and best way to become mortgage and debt free.

It is also a educational tool and a "financial dashboard" that dynamically tracks your financial input to keep you on track toward your financial goals. Unlike a simple spreadsheet budget the Money Merge Account helps the client see in real time the implication of each financial decision made or considered, resulting in more educated decisions.

Along with bios and interviews with several United First Financial independent agents and company founders covered in this issue, there are articles on practical keys to debt relief by financial experts such as David Bach and Jean Chatsky. Renown author Mark Victor Hansen states in an article that he thinks United First Financial's Money Merge Account program is a better, wiser, nobler, and more intelligent way to get people to save and become both debt free and stress free.

Also included in this issue of Success From Home is a free DVD with seven video selections for further information and education about the company. Interviews with financial experts are included.

While many corporations are downsizing in massive proportions statistics show an increasing boom in home based businesses with no signs of slowing. Going into business for oneself as an entrepreneur has become a viable and preferred option for more and more households looking for greater time and financial freedom. Success From Home magazine is dedicated to providing a resource for home based business owners and those considering the option. Learn more about becoming an independent agent at dynamicpayoff.com