Posts Tagged ‘EVERGREEN COLORADO HOME LOAN’

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GREEN TECHNOLOGY AND EVERGREEN COLORADO REAL ESTATE

Sunday, May 16th, 2010

GREEN TECHNOLOGY AND EVERGREEN COLORADO REAL ESTATE

 

The great boom which cause the Industrial Revolution in the late18th century was not only the invention of machinery which made the production of textile and cloth much more efficient but the subsequent development of the energy sources to run the machines. Steam engines driven by coal; flour mills driven by hydro power; and in the 19th century the electric and gas motor; and then, in the 20th century nuclear.. These sources of energy were economical, powerful, available, cheap, and for their time relatively clean.

 

The modern day Green Movement, as it related to energy sources, has so far failed. Men and women in past centuries were not unaware of the energy sources of the sun, the wind, and geo-thermal heat, but they realized that these were not reliable, transportable, and economical so they pursued other avenues. And so it is today, these energy sources have not replaced coal, oil, and nuclear because they are extremely expensive, unreliable, un-transportable, and too meager to support the quantities required for production and the supplies required to run our homes and businesses or drive our cars, trucks and railroad diesels.

 

What we need is to take away all the grants for research and development from our liberal colleges and universities who are only interested in their liberal religion of evolution, big banks, and cooking the facts about the fallacy of global warming, and give the research to companies who are only interested in facts, evidence, and the strict scientific method that made America the greatest technological juggernaut in history.

 

It’s time to return to the fundamentals. If You want to prosper in these tough times you will need to earn a profit, not just depend on stock price speculation, or bond interest which is less that inflation. Now is the time to be successful give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES (www.aloan2own.com)  and let’s plan you retirement income. We are the one stop shop for all your Real Estate needs in the Rocky Mountains. Whether a home of Your own, a retirement investment, an EVERGREEN COLORADO HOME LOAN or an EVERGREEN COLORADO MORTGAGE REFINANCE call us at 303-674-0148, Email us at markenglishrealestate@msn.com, or visit us on the web at www.evergreencoloradoliving.com.

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THE AMERICAN INVESTOR – A SURE THING FOR WALL STREET CASINOS

Friday, April 30th, 2010

THE AMERICAN INVESTOR – A SURE THING FOR WALL STREET CASINOS

 

When institutional investors, pension funds, day traders, or 401k holders invest in Wall Street their “buys and sells” are input to what is known in the industry as High Frequency Trading (HFT) or “black box trading” computer programs. These sophisticated computer programs are designed to front end any purchase with a priority buy of their own so they can purchase the stock you ordered a moment before your buy order is made, and then sell you your stock for an instant profit. This has always been illegal but now high speed computers and off shore brokerage houses have raised this fraud to a giga-level.

 

This is one of the most profitable segments of the investment banks who control Wall Street. After the bank makes their surcharge on your purchase their computer algorithms then analyze your buy and short your investment. Since the banks are operating with almost zero interest borrowed money from the Federal Reserve they can manipulate any stock by the shear volume of dollars they throw at a stock and then squeeze out all your investment principal and earnings. Additionally they will then charge you 2% for handling your transaction.

 

This kind of skimming on your purchase, shorting on the back end, and manipulates the market with huge sums of money is also commonly practiced by Dubai, Saudi Arabia, Kuwait, China and numerous other big money players in the market. All these scams are common knowledge on Wall Street and are sacred cows, so Obama’s cronies like Geithner, Bernanke, and Larry Summers – Wall Street insiders all – will not touch these unfair trade practices. All these new regulations in the new law, drafted by Fannie Mae and Freddie Mac multi-million dollar insider Chris Dodd, will not change a thing on Wall Street. This is all a big show for the unsuspecting voters who have no idea how Wall Street is stealing their retirement investments.

 There is one place where you can invest and steer clear of the Wall Street greed machine – and that is Real Estate. A house is a hard investment and like gold will hold its value against any currency. . Investing in EVERGREEN COLORADO REAL ESTATE is the only safe investment vehicle that will allow you the financial freedom you deserve. Invest today in your financial freedom; give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES (www.aloan2own.com) and let’s put a plan in motion for your financial future. We are the one stop shop for all your Real Estate needs in the Rocky Mountains. Whether a home of Your own, a retirement investment, an EVERGREEN COLORADO HOME LOAN or an EVERGREEN COLORADO MORTGAGE REFINANCE call us at 303-674-0148, Email us at markenglishrealestate@msn.com, or visit us on the web at www.evergreencoloradoliving.com. 

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TAX AND SPEND AND THE GALLADHER AMENDMENT FOR EVERGREEN COLORADO REAL ESTATE

Sunday, December 13th, 2009

TAX AND SPEND AND THE GALLADHER AMENDMENT FOR EVERGREEN COLORADO REAL ESTATE

 

The tax and spenders are at it again trying to start the process of raising your Real Estate Taxes with out limit by killing the Gallagher Amendment. According to the “Gallagher Amendment the portion of residential property that is subject to taxation, referred to as the “assessed value,” declines when residential property values statewide grow faster than nonresidential properties. That means that when home values grow faster than business values, homeowners pay proportionately less, according to the Colorado Department of Treasury” (Coloradoran.com December 10th).

 

Because they build some houses in your neighborhood the county can’t pork it up and raise your taxes. They will still receive a large increase in tax when the new homes come on line but they can’t raise everybody’s taxes just for fun. This amendment would have raised homeowner’s taxes by many billions of dollars and even more families would have been foreclosed upon. Rents would also skyrocket as the bureaucrats help themselves to your wallet again.

 

Of course, its the bureaucrats who are pushing hard to extract more of your cash. If the Gallagher Amendment goes down your house payment and rent will go up about 30 to 40 %. They will tell you it is to create jobs! Please note, the government never creates any real jobs only businesses do. Colorado’s unemployment is one of the lowest in the country. More taxes, like they have in New York, California, and Massachusetts will only give us the hyper unemployment they have cultivated in those states.

 

If you let them destroy the Gallagher Amendment you will have less money for retirement, for a home of your own, for a car to get to work, for the kids college, for vacation, etc. The bureaucrats will have salary increases and congressional health care benefits but your schools will be no better, your roads will be no better, your job may go away, and your beautiful state will move 1000 miles closed to the east coast.

 

Contact us for a no obligation consultation. There are many things You can do right now to secure Your lifetime financial wealth. We are MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGES SERVICES( www.aloan2own.com). We are the one stop shop for all your EVERGREEN COLORADO REAL ESTATE and EVERGREEN COLORADO HOME LOAN needs. Contact us at 303-674-0148, Email us at markenglishrealestate@msn.com or visit us on the web at www.evergreencoloradoliving.com. Don’t forget to register for your free mortgage loan origination rewards

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EVERGREEN COLORADO REAL ESTATE

Thursday, September 3rd, 2009

EVERGREEN COLORADO REAL ESTATE

 

REAL ESTATE DEFINITIONS FOR EVERGREEN COLORADO REAL ESTATE

 

Option                                     A right given to a person to purchase or lease property for a specified amount and agreement of terms for a certain period of time.

 

Option To Purchase               A bilateral contract giving the prospective buyer the opportunity to purchase the property with a certain period of time for a specified amount.

 

 

Prices are at the lowest level in years, mortgage interest rates are at historic lows, sellers are willing to help you buy your dream home, and we are here to help. Invest today in your financial freedom; give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES and let’s put a plan in motion for your financial future. We are the one stop shop for all your EVERGREEN COLORADO REAL ESTATE needs. Whether a home of Your own, a RETIREMENT INVESTMENT, an EVERGREEN COLORADO HOME LOAN or an EVERGREEN COLORADO MORTGAGE REFINANCE call us at 303-674-0148, Email us at markenglishrealestate@msn.com , or visit us on the web at www.evergreencoloradoliving.com.

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MAKING MONEY THE OLD FASHIONED WAY WITH EVERGREEN COLORADO REAL ESTATE

Sunday, August 16th, 2009

MAKING MONEY THE OLD FASHIONED WAY WITH EVERGREEN COLORADO REAL ESTATE

 

What does making money really mean? If you invest in either stocks and bonds or EVERGREEN COLORADO REAL ESTATE you are hoping to generate a cash return that can be reinvested to compound your earnings. Eventually you will want to convert the investment into an annuity that will pay you an income at some point, say when the kids go to college or you retire.

 

You need a steady and reliable source of income because your retirement expenses must be paid on a monthly basis. You need a constant source that is keyed to inflation so it will keep up with your expenses. And you want an income that will survive you and can be passed along to the next generation.

 

We have all learned, Wall Street in totally incapable of providing this kind of income. We all tend to forget, our tax money just bailed out all these high priced investment managers. If they paid back all the bail out money the equity in the stock market would be running a huge negative, but we have moved on as if nothing has happened. We continually send our 401k money to Wall Street and they will continue to lose it while charging you high management fees. Why you need to pay large management fees for someone to lose your money I don’t understand!

 

There is still one investment that will earn you substantial profits and shelter those profits from the tax man. Buying a home of your own will allow you to buy and pay off your house, and then sell it when you retire tax free – if you can and will protect this last great investment from your government. Now is the time to be successful; give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES (http://www.evergreencoloradoliving.com)  and let’s plan you investment income. We are the one stop shop for all your Real Estate needs in the Rocky Mountains. Whether a home of Your own, a retirement investment, an EVERGREEN COLORADO HOME LOAN or an EVERGREEN COLORADO MORTGAGE REFINANCE call us at 303-674-0148, Email us at markenglishrealestate@msn.com , or visit us on the web at www.evergreencoloradoliving.com.

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BE PREPARED

Thursday, May 14th, 2009

BE PREPARED

 

Some of the major banks have paid back the TARP money that was forced upon them several months ago. They said that they did not need it then and don’t need it now. The alarming development is that now that vast amounts are being paid back, the treasury will not pay back the American tax payer. They are going to foist it upon other banks who don’t need it and don’t want it.

 

It is coming apparent that in spite of all this money circulating, the banks have written fewer loans than a year ago, the unemployment is still rising at an alarming rate, corporate income is down, corporate profits are way down, and the foreclosures are rising according to RealTracInc. Maybe it is time to dust off the history books and read up on what really did get us out of the depression of 1929.

 

The answer is, of course, capitalism. Companies were selling goods and services to Uncle Sam and the Allies to fight the War. After the war we were rebuilding the devastation caused by the war. If we are going to pull ourselves out of this recession we need to revitalize the private economy and start stimulating the consumer, not the government. The profits that the capital system generated paid off the WWII spending. By the late 1960’s we had paid off all the national debt and had no deficit at all.

 

Right now we are trying our hardest to outspend the American Economy. If we succeed, we will only drive ourselves further into national bankruptcy. It is up to us to protect ourselves from the tax storm to come. EVERGREEN COLORADO REAL ESTATE will legally shelter you from the inevitable tax burden on the horizon. Now is the time to be successful; give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES and let’s plan you retirement income. We are the one stop shop for all your Real Estate needs in the Rocky Mountains. Whether a home of Your own, a retirement investment, an EVERGREEN COLORADO HOME LOAN or an EVERGREEN COLORADO MORTGAGE REFINANCE call us at 303-674-0148, Email us at markenglishrealestate@msn.com , or visit us on the web at www.evergreencoloradoliving.com. And don’t forget to sign up for your FREE BUYER INCENTIVES.

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EVERGREEN COLORADO REAL ESTATE

Sunday, May 10th, 2009

EVERGREEN COLORADO REAL ESTATE

 

REAL ESTATE DEFINITIONS FOR EVERGREEN COLORADO REAL ESTATE

 

Just Compensation                The fair amount of money paid to the owner of a property when it is condemned and taken for public use (eminent domain).

 

Key Lot                                  Property that is more valuable due to its location.

 

Land                                        Encompasses the ground, trees, soil, oil and minerals, meadows, pastures, etc.

 

 

The savvy Buyers are hiring a PROFESSIONAL REAL ESTATE BROKER like MARK ENGLISH REAL ESTATE to represent their needs, wants, and desires exclusively. Please, give us a call and let’s review all your options. We are an EVERGREEN COLORADO CUSTOM HOME BUILDER as well as MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES. We know land and we know financing and will work hard to prosper You. Contact us at 303-674-0148, Email us at markenglishrealestate@msn.com or visit us on the web at www.evergreencoloradoliving.com . Don’t forget to register for our FREE REAL ESTATE OR MORTGAGE BUYER INCENTIVES.

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FED’S NEW REFINANCE RULES

Friday, May 8th, 2009

FED’S NEW REFINANCE RULES

The Federal government, in an effort to help stabilize the housing markets, has instituted a program to help those whose houses have declined in price, and may be facing foreclosure. The program will help citizens book a lower rate mortgage, a lower payment mortgage, change from an adjustable rate to a fixed rate, and generally help anyone willing to ride out the current market even if their home is worth less than it was when they bought it.

Here are the rules as outlined by bankrate.com*

  • The program applies only to loans that are owned or guaranteed by Fannie Mae or Freddie Mac
  • The borrower must be an owner-occupant of a detached house, condominium, duplex, triplex or four-unit residential property. (Fannie Mae’s and Freddie Mac’s rules may allow exceptions to this rule.)
  • The borrower must not have made a loan payment more than 30 days late in the last 12 months or missed a payment if the loan was originated fewer than 12 months ago. (Borrowers who are delinquent or have made a payment more than 30 days late during the prior 12 months may qualify for the Home Affordable Modification program.)
  • The new first mortgage cannot exceed 105 percent of the current market value of the property.
  • If the borrower has a second loan, that loan isn’t counted toward the 105 percent limit. The second loan must remain subordinate to the new first mortgage.
  • The borrower cannot take out cash to pay other debts but may be allowed to finance closing costs or obtain small amounts of cash, subject to Fannie Mae’s or Freddie Mac’s rules.
  • The interest rate on the new mortgage will be a market rate. Rates may vary among lenders. The borrower may be charged fees, points or other refinancing costs.
  • The borrower must have sufficient income to afford the new mortgage payments.
  • The new mortgage cannot have a prepayment penalty or balloon payment.
  • The borrower’s existing loan balances will not be reduced.
  • Borrowers, whose existing mortgage is covered by private mortgage insurance, or PMI, will be required to continue that insurance on the new loan. Borrowers who don’t have mortgage insurance won’t be required to obtain it.

Stay tuned and we will report any new details as they become available. We are MARK ENGLISH REAL ESTATE, DISCOUNT MORTGAGES SERVICES; we are Your one stop shop for all Your EVERGREEN COLORADO REAL ESTATE and CONIFER COLORADO REAL ESTATE. We are also an EVERGREEN COLORADO CUSTOM HOME BUILDER and are looking forward to serving You with all Your Real Estate needs. Please, give us a call at 303-674-0148, Email us at markenglishrealestate@msn.com or visit us on the web at www.evergreencoloradoliving.com . Don’t forget to register for Your FREE BUYER INCENTIVES

*Marcie Geffner, “bankrate.com,” 05/07/2009, www.bankrate.com, 05/07/2009

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THE STOCK MARKET – KEEPING YOUR EYES ON THE PRIZE

Wednesday, May 6th, 2009

THE STOCK MARKET – KEEPING YOUR EYES ON THE PRIZE

 

When I look at all the people who invest in the Stock Market through their 401k program, or with some financial advisor, it occurred to me that most people never analyze what they are trying to achieve. Every motivation speaker I have ever heard or read always begins with setting Your goals. Yet millions of Americans are blindly investing in stocks, bonds, and CDs without thinking about what they are trying to accomplish. With any stock or bond that you buy, the risks are tremendous, the returns are meager, and all your increase in equity is eaten up by the fees that even no load funds are charging. To earn a living through Your investments, without being a day trader (most day traders go broke) you will need upwards of 21/2 to 3 million dollars to make a return of 40 to 50 thousand dollars before income taxes. Less than 3% of the seniors have more than $200,000 without the equity built up in their personal home. Many stocks don’t pay regular dividends, and almost none pay more that ½ to1 % of you invested capital. Most fund managers, even no load mutual, charge between ¾ to 2 % fees each year. Where is the income to support you?

 

I exhort You all to sit down with husband and wife and analyze it yourself. Put the calculator to it, read your prospectus, do the math YOURSELF and figure out how much are you really making, or losing. Your goal should be to produce income for you now, and when you retire; if you investment are not doing that, then all the tax deferred IRAs in the world are doing you and your family no good at all. INCOME, INCOME, INCOME is what it is all about, otherwise you might as well spend you money now and not invest. Set you priorities, keep you eye on the prize, don’t settle for anything less.

 

Buying all the Stocks, and all the bonds, and all the CDs and starting some high paying home business is all about someone else making money, not You! Investing in Real Estate is the only alternative for all us folks down here on Main Street.

 

We are Mark English Real Estate and Discount Mortgage Services and can show You how to make money, and keep Your money, by investing in EVERGREEN COLORADO REAL ESTATE. Now is a great time to invest in EVERGREEN COLORADO REAL ESTATE and CONIFER COLORADO REAL ESATAT. Interest rates are at an all time low, and we can help you finance your purchase, or refinance you EVERGREEN COLORADO HOME LOAN. Please, call us today at 303-674-0148, Email us at markenglishrealestate@msn.com , or visit us on the web at www.evergreencoloradoliving.com . We are THE on stop shop for all your Real Estate needs; from Real Estate, to Commercial, to Financing, to Construction – WE WILL SAVE YOU TIME AND MONEY.

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THE DOW JONES’ DIRTY LITTLE SECRET

Thursday, April 30th, 2009

THE DOW JONES’ DIRTY LITTLE SECRET

 

Every Talking head on all the financial shows keeps talking about where the DOW Jones Industrial Averages are, as if that is a good indication of where the American economy is at any given time. You can’t help thinking that if I just bought an equal share of all the stocks in the DOW Jones I would do all right over time, and be able to retire with a health financial nest egg – WRONG! The dirty little secret is that whenever a company that is listed on the Dow goes bankrupt or runs into serious trouble the Dow just drops them, and picks up another profitable company to replace them. Therefore, if you owned the stock of the company in trouble, you would have lost far more than you had gained by losing all or most of your investment in the troubled or bankrupt company.

 

Let’s take a look at the last few years. In 2004 American International Group Incorporated, Pfizer Incorporated and Verizon Communications Incorporated replaced AT&T Corporation, Eastman Kodak Company and International Paper Company; in 2008 Bank of America Corporation and Chevron Corporation replaced Altria Group, Incorporated and Honeywell International, Incorporated; and Kraft Foods Inc. replaced American International Group Inc. Through the years Westinghouse Electric, Texaco, Bethlehem Steel, Sears Roebuck, Goodyear Tire, Union Carbide, and all the Ma Bell Companies, and many more were summarily dropped when they lost their value – but the stock holders were not so lucky and lost millions. The only stock on the original list is GE, and if they keep Immelt as their CEO, than GE will soon be dropped. In fact, if you consistently bought Dow Index stocks for the last 30 years, you could have easily lost all you investment principal, depending how long it took you to understand the game, and bail out of the losing stocks.

 

The best and most dependable investment is local Real Estate investing, and not dumping your money down the Wall Street Toilet. It is the time to be successful; give us a call at MARK ENGLISH REAL ESTATE and DISCOUNT MORTGAGE SERVICES and together we will plan you retirement income. We are the one stop shop for all your Real Estate needs in the Rocky Mountains. Whether a home of Your own, a retirement investment in EVERGREEN COLORADO REAL ESTATE, an EVERGREEN COLORADO HOME LOAN or an EVERGREEN COLORADO MORTGAGE REFINANCE call us at 303-674-0148, Email us at markenglishrealestate@msn.com , or visit us on the web at www.evergreencoloradoliving.com

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