There is More Than One Reason To Refinance Your Home Refinancing and consolidating your debt. Refinancing can lower the total amount you pay out each month. You can even arrange to have extra cash. Here are some things you may want to think about:

• Consolidate your high-interest debt. Consolidate high-interest debt such as credit cards. Your overall monthly payments will be reduced and may even be tax deductible.
• Get extra cash. Refinancing can give you extra cash for the things you've always wanted to do. Like taking that long-deserved vacation, or paying for a college education. It's your choice.
• Home Improvement Loans. Fix the roof, purchase new kitchen cabinets, or remodel to increase the value of your home.
• Take a 30-day break from payments. Your first payment is usually not due for 30 days or more.

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Syosset, New York – Total Solutions Advisors Inc., a leading player in the business strategy and operational planning industry brings to customers very impressive marketing and management consulting solutions. The key player in the company Jim Clooney or James Clooney spearheads the entire operation with his vast experience and sharp business acumen. Jim Clooney has already helped numerous companies set their mark in the industry with his insightful services.

Jim Clooney who is a wizard in the investment industry capitalizes his vast experience in the sector to help some of the world’s largest financial companies. Jim Clooney has more than 30 years of experience in the field and has experience working with two of the Big Four international auditing firms. As the Principal of Total Solutions Advisors, Jim Clooney leads the company in the path of success. The company has been rated as the Best ROI in the Mortgage Marketing industry.

Jim Clooney strives hard in helping customers achieve top-notch business performance. Jim Clooney helps his clients by increasing the opportunities for his them, by providing powerful planning and development strategies. Clients that have used the expertise of Jim Clooney express total satisfaction based on the unmatched services offered by the expert.

Under the able leadership of Jim Clooney Total Solutions Advisors Inc., also offers business performance optimization services. The company helps the clients in four major areas namely, strategy, structure, people and process. Total Solutions Advisors Inc., uses the industry’s best practices and proven strategies to achieve the desired results for the customers.

Jim Clooney’s Total Solutions Advisors Inc., offers very dependable marketing strategies. The company specializes in offering customized marketing solutions. Jim Clooney and the team create customized solutions based on in-depth market and competitor analysis. The company evaluates the customers' business profile and designs the most favorable solutions that are not only impressive but also solutions that are achievable. Jim Clooney is known for his abilities to create down to earth solutions, which make the company stand out from the rest of the competition. Some of the key areas covered by Total Solutions Advisors Inc., in marketing include, branding, public relations, media buying, infomercials, PR placements, web development, Ecommerce solutions, search engine optimization, graphic design, direct response strategies using TV, Radio and Mail and more.

Total Solutions Advisors Inc., offers its clients the most comprehensive range of marketing solutions making it easy for businesses to enjoy great success. The company guided by the flawless leadership of Jim Clooney offers very dependable and friendly services.



About Total Solutions Advisors Inc.

Total Solutions Advisors Inc is one of the most experienced financial and mortgage companies that offers wide range of services including but not limited to strategic planning, strategic alignment reviews, competitive analysis and market planning, strategic market and growth analysis and more. The company plays a significant role in the financial and mortgage sector. For more information about the company and the complete list of services, please visit http://www.totalsai.com. 

Syosset, New York – Total Solutions Advisors Inc., a leading player in the business strategy and operational planning industry brings to customers very impressive marketing and management consulting solutions. The key player in the company Jim Clooney or James Clooney spearheads the entire operation with his vast experience and sharp business acumen. James Clooney has already helped numerous companies set their mark in the industry with his insightful services.

James Clooney who is a wizard in the investment industry capitalizes his vast experience in the sector to help some of the world’s largest financial companies. Jim Clooney has more than 30 years of experience in the field and has experience working with two of the Big Four international auditing firms. As the Principal of Total Solutions Advisors, James Clooney leads the company in the path of success. The company has been rated as the Best ROI in the Mortgage Marketing industry.

James Clooney strives hard in helping customers achieve top-notch business performance. James Clooney helps his clients by increasing the opportunities for his them, by providing powerful planning and development strategies. Clients that have used the expertise of Jim Clooney express total satisfaction based on the unmatched services offered by the expert.

Under the able leadership of Jim Clooney Total Solutions Advisors Inc., also offers business performance optimization services. The company helps the clients in four major areas namely, strategy, structure, people and process. Total Solutions Advisors Inc., uses the industry’s best practices and proven strategies to achieve the desired results for the customers.

James Clooney’s Total Solutions Advisors Inc., offers very dependable marketing strategies. The company specializes in offering customized marketing solutions. Jim Clooney and the team create customized solutions based on in-depth market and competitor analysis. The company evaluates the customers' business profile and designs the most favorable solutions that are not only impressive but also solutions that are achievable. Jim Clooney is known for his abilities to create down to earth solutions, which make the company stand out from the rest of the competition. Some of the key areas covered by Total Solutions Advisors Inc., in marketing include, branding, public relations, media buying, infomercials, PR placements, web development, Ecommerce solutions, search engine optimization, graphic design, direct response strategies using TV, Radio and Mail and more.

Total Solutions Advisors Inc., offers its clients the most comprehensive range of marketing solutions making it easy for businesses to enjoy great success. The company guided by the flawless leadership of James Clooney offers very dependable and friendly services.



About Total Solutions Advisors Inc.

Total Solutions Advisors Inc is one of the most experienced financial and mortgage companies that offers wide range of services including but not limited to strategic planning, strategic alignment reviews, competitive analysis and market planning, strategic market and growth analysis and more. The company plays a significant role in the financial and mortgage sector. For more information about the company and the complete list of services, please visit http://www.totalsai.com. 

 The ongoing housing recovery, coupled with improvement in both consumer confidence and the labor market, is expected to boost economic growth in the second half of the year, according to a new report by Fannie Mae (FNMA).




The mortgage-finance company noted the latest jobs report showed steady year-to-date job creation and measures of consumer confidence are at or near recovery highs.




Furthermore, it said that despite a sharp increase in mortgage rates during the past two months, home sales have held up and home prices have continued to post gains, helping to keep the economy on a positive growth path this year.




"We continue to see growth in housing, partly due to an increase in existing home sales as buyers choose to act while rates remain near historic lows," Fannie Mae Chief Economist Doug Duncan said. "Consumer attitudes are improving amid a strengthening employment sector and we should begin to see a moderate pickup in consumer spending."




Fannie Mae said its forecast for July is little changed from last month. Overall, the company expects economic growth of 2% this year, but said further momentum later in the year should help carry growth in 2014 to an above-par pace of 2.6%, the strongest since 2005.




The company added it expects home mortgage rates to continue to rise gradually, averaging 4.7% in the fourth quarter of this year--about 0.4 percentage points higher than the number cited in its June forecast--but said the forecast of home sales is little changed, with expectations of an 8% rise in 2013.




Fannie also said that while the surge in mortgage rates hasn't significantly hurt purchase mortgage applications, it has led to a marked decline in refinancing applications, which is expected to continue next year. 




Source: Wall Street Journal

Over the last few years, home mortgage rates have drifted up and down between 3% and 4.5% for a thirty year fixed rate loan. That’s astonishingly low, especially considering savings accounts were giving out 6% returns in 2006. (I remember those days… 6% in a savings account. What I wouldn’t give for those days to return.)

Because of the low rates on home mortgages, many financial gurus now suggest that people hold off on paying back their mortgage. Rather than making extra payments, they suggest, you can get a better return by investing elsewhere.

On the surface, that’s a great argument. If you assume that Warren Buffett’s prediction of 7% annual returns over the long haul in the stock market is an accurate one, then it makes sense to put your money into stocks rather than to pay ahead on your mortgage, right?

Not necessarily, and here’s why.

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For starters, there isn’t an investment available right now that locks you in at better than 4% guaranteed. To get a return better than that, you’re going to be investing in stocks or real estate or something else that injects risk into the equation.

How does that risk show its ugly head? In a given year, your returns might be much lower than 4%. In fact, they might be negative.

If you buy stocks only to watch the market become a bear, you’re going to lose money in the short run. If you buy real estate only to watch the local market start to fall (for any number of reasons), you’re going to lose money in the short run.

“Well, that’s the short run,” you might say. “I’m investing for the long run.”

The problem with that philosophy is that unless you’re very wealthy, the ups and downs of your life are quite likely to cause you to tap those investments, often when you least expect it. You lose a job. Your business collapses due to an employee’s mistake. A spouse falls ill. You fall ill. You unexpectedly have a child. Many, many things can happen out of the blue that can force you to tap investments when you least expect, and you’re more likely to have to tap it during a down market (because others are feeling the pinch and try to spread the risk around).

If you put money into the mortgage, it’s going to give you a locked-in-stone annual return equal to your interest rate as long as you still hold that mortgage. If you make an extra $1,000 payment right now, you’re getting a 4% (or whatever your interest rate is) guaranteed return for the lifetime of that mortgage. That money actually appears at the end of the mortgage in the form of having it paid off earlier.

That’s a good conservative investment (assuming you already have the mortgage, of course). It’s better than you’ll get from a savings account or a treasury note right now and there’s very little risk in that extra investment.

Still, purely as an investment, I view paying off a low-interest mortgage early as simply a very conservative option.

The reason I still advocate for it is for another reason entirely: having your home loan paid off does wonders for your cash flow.

Regardless of what you’re doing with your money, when you have a mortgage, you have a large monthly bill that you have to pay. It’s $1,000 or $2,000 (or whatever) that you must come up with, every single month.

Now, as I mentioned above, life happens. You lose a job. Someone gets sick. The lower your monthly bills are, the easier it is to survive this type of situation.

Some might argue that it makes sense to invest your money instead of making extra payments on that mortgage. If you don’t have enough on hand to pay off your mortgage all at once, this makes reasonable sense, as it provides a very liquid emergency fund for you. However, you’re still left with two choices – investing in something with little risk that doesn’t return as much as an extra mortgage payment (like a savings account) or investing in something with substantial risk that should return more over time but may return much less in the short term (like stocks).

There’s also the human factor. If you have a lot of money sitting in the bank, it becomes much easier to talk yourself into spending it if it’s just sitting there. You can tell yourself it’s an emergency fund, but as the balance grows, so does the temptation.

Because of all of these factors, I still consider it a solid idea for most people to make extra payments on their mortgages, even when the interest rate on the mortage is low. This assumes, of course, that you have an emergency fund already in place (to handle most of life’s disasters), that you don’t have any other debts, and that you’re also contributing to your retirement savings at a total rate of at least 10% of your income. If you’re not taking care of those things, make them a priority.

Source: Christian Science Monitor

Links

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• Jim Clooney's Twitter Page
• Jim Clooney CO
• Jim Clooney WS
• Jim Clooney Tennis
• Jim Clooney - Bigsight
• James Clooney
• Total SAI - Jim Clooney

James Clooney, Principal Advisor for Total Solutions Real Estate and an avid tennis fan, recounts his experiences with the sport and how they prepared him for a career in sales and finance.

My love of tennis really took off in high school. As a result of playing tennis competitively on the school team, I was able to get a four-year tennis scholarship to St. John’s University, an event that would help shape my career and life in general. While attending St. John’s, I was a member of the tennis team for four years and later became team captain, and I also participated in a number of extracurricular activities related to tennis. These experiences were extremely positive, endowing me with the teamwork and leadership skills, drive, and self-possession that would later serve me well in my career.

I have maintained my passion for the sport over the years. I am currently a ranked player in the U.S. Tennis Association’s senior division, and I do not intend to stop playing anytime soon. Additionally, I continue to participate in fundraisers for the St. John’s University tennis team. I cannot imagine how my life would have turned out without tennis, and I have no desire to live without it.