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Should you pay off a mortgage early? One of the arguments against doing so is that you may be able to earn more by investing your money instead of making the extra mortgage payments.


On one level it makes sense. After all Kirk Gibson Jersey , if you could earn an average of 10% a year by investing in a mutual fund or something, you would end up with more money than you would by paying off a mortgage with a 6% interest rate. The only problem with that strategy is that the 10% possible annual earnings in an investment is not guaranteed. Earning 6% by paying off a mortgage early is guaranteed (Yes, I'm well aware of the home mortgage interest tax deduction. But you pay taxes on investment earnings as well).


The only risk free rate of return is considered to be the three-month U.S. Treasury Bill rate. The interest rate for the three-month T-Bill is currently less than 4%. Anything you try to earn above 4% involves a certain amount of risk. I know as well as anyone that you have to take risks to be successful. However, it's even easier to take risks on your investments if you own a home free and clear. So Al Kaline Jersey , by all means, take risks to get a higher rate of return on your investments, but your primary residence is not an investment. It's a place to live. And when it comes to your home, do the sure thing by paying off your mortgage.


There is another good reason for paying off a mortgage early Alan Trammell Jersey , and it can't be quantified. It's the psychological factor of being completely debt-free, including your mortgage. It's a liberating feeling that's hard to describe unless you've done it. And the longer I'm in the financial arena the more I appreciate the fact that the emotional satisfaction of what someone does with money is much more important than just simply crunching numbers.


(c) Larry Holmes

Wonders of Touch Screen Technology

Posted by markwahlbarg on November 15th, 2018


Technology is regularly advancing, and with this Wholesale Detroit Tigers Jerseys , it is presenting new changes every day. It is technology that has mostly made things easier for men. Touchscreen technology technologies are one of the wonderful things of today's globe that have now become an aspect of our lifestyle. There are different electronic products that have Fraxel treatments, and they turn out to be very beneficial. Touchscreen technologies have been in the market for a long time now, and its amazing, wonderful things have changed the lives of men.


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The touchscreen technology is mostly used in many different areas Cheap Tigers Jerseys , right from the big commercial homes to financial institutions and other companies. It is efficient in general, and even an ordinary individual can make use of screen panels. Many everyone is taking full advantage of Fraxel treatments in their lifestyle. The future will undoubtedly see the application of the touchscreen technology on a much larger range. We are likely to see several beautiful things of Fraxel treatments in the future.






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