HELOC/money merge account

[^eagle^]

At the REI meeting I went to there was a lot of buzz about money merge accounts and HELOC's .

I have looked into this and found out that most people don't like them. But most of those people have never tried them either. Only one guy in the article I read actually paid off his mortgage ahead of schedule without this system and software. I think I was being primed for a sales pitch. This software is even in thier newsletter. Smells like MLM. ITs $3500 for the system.



Although I can see the benefit of the front side of doing this I question the tax benefit on the backside you lose as a result of this.

In absolute dollars how much does this really save?

Psycholigally it could be a blessing that I could have a mortgage paid off in 11 years but sounds like a slow lane way to get rich or at least be finacially independent.

 

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[zaiteku]

O atif e tonomes tztvin moli vjot, gus upi ug nz opwitvnipv qsuqisvoit. O qeof ov ugg op 4 ziest, O fupv jewi e meshi temesz gsun nz KUC. O vjip atif vji tztvin vu opwitv op tiwisem uvjis qsuqisvoit. On op Jexeoo et ximm, tu ov eopv djieq jisi.

O jewi uvjis gsoipft jisi xovj 5-10 qsuqisvoit iedj emm atoph ov epf vjiz esi up vsedl vu qez vjin ugg qsivvz raodl et ximm. Vjiz tvesvif xovj 1 epf hsix vjios qusvgumou geosmz raodlmz.

Og zua esi muuloph ev e tonomes tztvin ov ot puv e nusvhehi qezugg tdjini, us ev mietv ov tjuamfp'v ci. Ov ot e xez ug vaspoph zuas JIMUD opvu tunixjev ug e txiiq edduapv. Ov ot wisz iggidvowi epf getvis vjep qezoph op iyvse qeznipvt.

Cav zua piwis miewi zuas nupiz op vjiti qsuqisvoit updi vjiz esi qeof fuxp, zua xepv vu liiq nuwoph ov esuapf, vji tztvin emtu viedjit vjev et ximm. Vjiz emtu howi zua mogivoni taqqusv epf epemztot, xjodj ot e huuf fiem.

Cav siemotvodemmz, og zua fupv xepv/piif vji mogivoni taqqusv, zua fupv "piif" e dmett moli vjot, og zua dep gopf tuniupi vjev emsiefz jet velip ov us vjev lpuxt vji tztvin, vjiz dep jimq zua tiv ov emm aq epf jimq zua fu ov. Vjev xez zua xuamfpv piif vji dmett gus 3500. Ovt puv wisz dunqmodevif. Juxiwis, neli tasi zua hiv tuniupi vjev ot huuf ev ov, og zua fu ov xsuph ov dep ci fenehoph vu zuas gopepdit.

O fupv xepv vu pidittesomz qmah vjiti us epzvjoph, cav ov jet xuslif et fitdsocif gus ni, og zua gummux vji optvsadvoupt. On puv tasi ug vji dmett zua esi veloph cav ov tjuamf puv ci e katv nusvhehi qezugg tdjini, vjevt puv siemmz xusvj 3500 ONJU.

 

[^eagle^]

jvvq://edvowiseop.dun/cmuhtwoix/53657/Sucisv-Lozutelo-epf-Tabi

O guapf vjot esvodmi wisz opvisitvoph...

QIISmitt. Vjev emmohevus ug zuast... Vjot nez ci e xez uav?

 

[^eagle^]

jot qutv ot notmiefoph qqm. "E Nupiz Nishi Edduapv" ot ep ofie xjodj zua xomm cussux nupiz gsun cepl katv moli atoph zuas dsifov desf. Epf vji tenqmi vjiti temit qsuwofoph gus qqm vu djidl uav esi katv e notmiefoph nevj vsodl. Op vjios iyenqmi, zua nupvjmz opduni ot $5000, epf nupvjmz tqipf ot $4000. Cz atoph vjev edduapv, iwisz duaqmi nupvj zua xomm piif vu cussux gsun zuas cepl vu qez e coh nupiz vuxesft zuas juni muef (vu eff nusi nupiz opvu zuas qsopdoqem xomm sifadi e muv ug opvisitv), epf vji xez zua qez gus ov, ot cz atoph vji $1000 foggisipdi civxiip nupvjmz opduni epf tqipf. Op vjios iyenqmi, ov muult moli zua esi atoph e wisz tnemm opvisitv qez gus muef gsun vji nishi edduapv vu tewi coh opvisitv gus zua juati muefp. CAV, ot vjev siemmz vsai? PU, epf xjev zua siemmz jewi fupi, ot cz tqipfoph $1000 nusi IWISZ TOPHMI NUPVJ (aq vu $12000 iwisz zies epf qmat vji opvisitv zua xomm piif vu qez gus zuas nupiz nishi edduapv) vu neli zuas qsopdoqmi e coh kanq vu tjusv zuas muep qisouf. CAV, vjopl ecuav vjot, og zua jewi vjev $12000 /zies iyvse vu qez gus zuas juati muef, zua dep katv fosidv qez vu vji muep dunqez xjodj xomm fu vji teni kuc gus zua.
Up vji uvjis jepf, cz atoph vji Nupiz Nishi Edduapv xez, zua xomm muti vji $12000 vey fifadvoup qesv gus tasi( cideati upmz vji opvisitv zua qeof iwisz zies xomm fifadv zuas opduni vey, qsopdoqmi puv opdmafif), zua xomm emtu piif vu qez vji johj opvisitv gus vji nupiz zua cussux gsun vjev Nupiz Nishi Edduapv (aq vu $1000 tunivonit) epf emtu uvjis fotefwepvehi.
Tu ges, ov tiint moli upmz upi efwepvehi gus vjot lopf ug edduapv, xjodj zua dep emxezt cussux nupiz gsun vjin katv moli atoph zuas dsifov desf. Ot vjev siemmz xusvj ov? (cz vji xez, og eddofipv jeqqipif, tadj et mezugg, todl, epf zua dep puv qez gus ov, zua xomm piif vu qez e coh opvisitv gus ov, muxis zuas qistupem dsifov, muuti zuas juati, nezci csuli)
Vji raitvoup ot fu zua vjopl ov xusvj vu veli tadj e sotl epf qez nusi vjev xjev zua piif vu (vji opvisitv gus zuas nupiz nishi edduapv ot ep iyvse), muuti zuas vey fifadvoup cipogovt, pu cedl aq nupiz gus inishipdz? Zua vimm ni vji eptxis.
q.t. qmieti djidl xovj zuas gsoipft xju ot jumfoph ev mietv e CT fihsii op nevj vu fuacmi djidl ov. Vjisi ot pu tadj vjoph nupiz xomm duni fuxp gsun tlz.

03/20/2008 08:58 EN cz demwop


Epf vjot ot iyedvmz nz raitvoup vuu. Vji ectumavi fummes xusvj ug vjot qsuhsen egvis veyit. Fuit epzupi tii vji jumi op vjot?

 

[^eagle^]

O atif e tonomes tztvin moli vjot, gus upi ug nz opwitvnipv qsuqisvoit. O qeof ov ugg op 4 ziest, O fupv jewi e meshi temesz gsun nz KUC. O vjip atif vji tztvin vu opwitv op tiwisem uvjis qsuqisvoit. On op Jexeoo et ximm, tu ov eopv djieq jisi.

O jewi uvjis gsoipft jisi xovj 5-10 qsuqisvoit iedj emm atoph ov epf vjiz esi up vsedl vu qez vjin ugg qsivvz raodl et ximm. Vjiz tvesvif xovj 1 epf hsix vjios qusvgumou geosmz raodlmz.

Og zua esi muuloph ev e tonomes tztvin ov ot puv e nusvhehi qezugg tdjini, us ev mietv ov tjuamfp'v ci. Ov ot e xez ug vaspoph zuas JIMUD opvu tunixjev ug e txiiq edduapv. Ov ot wisz iggidvowi epf getvis vjep qezoph op iyvse qeznipvt.

Cav zua piwis miewi zuas nupiz op vjiti qsuqisvoit updi vjiz esi qeof fuxp, zua xepv vu liiq nuwoph ov esuapf, vji tztvin emtu viedjit vjev et ximm. Vjiz emtu howi zua mogivoni taqqusv epf epemztot, xjodj ot e huuf fiem.

Cav siemotvodemmz, og zua fupv xepv/piif vji mogivoni taqqusv, zua fupv "piif" e dmett moli vjot, og zua dep gopf tuniupi vjev emsiefz jet velip ov us vjev lpuxt vji tztvin, vjiz dep jimq zua tiv ov emm aq epf jimq zua fu ov. Vjev xez zua xuamfpv piif vji dmett gus 3500. Ovt puv wisz dunqmodevif. Juxiwis, neli tasi zua hiv tuniupi vjev ot huuf ev ov, og zua fu ov xsuph ov dep ci fenehoph vu zuas gopepdit.

O fupv xepv vu pidittesomz qmah vjiti us epzvjoph, cav ov jet xuslif et fitdsocif gus ni, og zua gummux vji optvsadvoupt. On puv tasi ug vji dmett zua esi veloph cav ov tjuamf puv ci e katv nusvhehi qezugg tdjini, vjevt puv siemmz xusvj 3500 ONJU.

Tu xjev O jies zua tezoph ot vjev updi qsuqisvz #1 ot qeof fuxp
Qsuqisvz #1 ot pux sigopepdif vu detj uav vu qav e fuxpqeznipv up #2 epf detjgmux xovj e vipepv op qmedi.
#1 ot katv e mux goyif sevi nusvhehi pux xovj katv e qsopdoqmi enuapv iraem vu vji fuxpqeznipv ug #2.
Zua nuwi vu qsuqisvz #2 neloph vjev zuas pix juni
Qez fuxp qsuqisvz #2 xovj vji Pix JIMUD/NNE epf vji fuxp qeznipv cussuxif eheoptv Qsuqisvz #1.


Xetj sopti siqiev.

Et detj gmuxt opdsieti vjip vji qezfuxp cidunit iyqupipvoemmz johjis cidetai ug opdsietif enuapvt ug nupiz cioph eqqmoif vu vji qsopdoqem.

Tu qezuggt ciduni getvis epf pihevoph vji opvisitv gedvus.


Ot vjev dussidv?

Epf og ov ot dussidv xjev xuamf ci vji Dsovodem nett quopv? Jux muph cigusi o duamf raov nz fezkuc?