How to Make 100% or More on Your Money

No, this is not some futures or commodities trading strategy. You don t have to join a cult or an MLM. And you can do this for years.
The only qualification is that you have a mortgage or home equity loan.
You can achieve more than 100% returns on your money simply by paying extra money on your mortgage each month or as often as you like.
Here s how it works: If you have a 30 year mortgage at 7%, for each $100 of your loan amount you will end up paying as much as $209 in interest. So within the 30 years of paying off your mortgage, you will repay that $100 that you borrowed PLUS you will pay up to an additional $209 in interest.
So if you "invest" an extra $100 along with your first mortgage payment, you will end up saving $209.42. That s a return on your "investment" of 109%! And it s guaranteed.
Plus you have just lowered the amount you are in debt and reduced the time it will take for you to pay off your mortgage. How many cold-calling investment brokers can offer you a deal like that?
So you could look at it as investing the $100 in your mortgage means that there is $309.42 you won t have to pay out in the future. You could even argue that this is a return of 209%.
But what if you are several years into your mortgage. Well, even if you are 10 years into your mortgage (and the average mortgage only lasts about 7 years these days), you can still save $139.42 in interest by paying an extra $100. Or if you are 20 years into your mortgage you will still save $69.42 by paying an extra $100.
So what have you got to lose but your mortgage debt?
So why don t more people do this?
Probably because the conventional "wisdom" says that if you can earn a better rate with an investment than what you are paying on your mortgage you should invest instead. If you are paying 7% on your mortgage and you can earn 11% in the stock market, it seems a no-brainer that you should invest in the stock market.
There are two problems with this philosophy: first, the 11% stock market figure that is widely quoted is an average over the past 30 years. Returns in the stock market have averaged on a yearly basis both higher and lower than the 11% rate. How do you know when you are investing in a year with negative returns? Unless you are in the financial industry you are probably taking as big a gamble as you would in Las Vegas playing the Roulette Wheel.
The other problem is that both inflation and taxes will eat away at your 11% return. Taxes can eat up to 2% of it and inflation can take another 3%, leaving you with only 6%, which is less than your mortgage. And that s assuming you actually get the 11% return that year. Also remember that years in which high returns in stocks are enjoyed are also often accompanied by higher than normal inflation rates.
But some people will not be persuaded and will insist on investing in the stock market before paying off their mortgage and that is understandable. We all want to build some sort of retirement nest egg or have an emergency fund that is growing by more than the dismal rates offered by bank savings accounts or money market accounts.
But if paying down your mortgage makes sense at 7%, how much more sense does paying down your higher interest rate debts. If you have a credit card charging you as much as 24%, it makes way more sense to pay this off before investing any money in the stock market.
Some people would argue that it is good to invest always even if you have debt. But that is contrary to the overall goal of increasing your assets and wealth. For example, let s say you owe $1058 on a 24% credit card and you have an extra $100 each month. You decide to make your minimum payments while investing the rest into the stock market.
If your stock market investment gives you a 12% rate of return you will have about $996 at the end of the year ($100 - min pmt x 12 months + "interest"). But you will still owe $1079 (more than you started with) on your credit card.
Viewed another way; you paid a total of $1200. Adding together the negative credit card balance and the positive investment value gives you have a net value of $-83.
Instead, if you use the full $100 to pay off your debt, you will be debt free at the end of the year. You won t have an investment but overall you will not still be negative. The next year, you could invest the full $100 into the stock market. But if you still had your debt, you could only invest $78.50 while still making your minimum credit card payment ($100 - min pmt: $21.50 = $78.50).
Now if you take this scenario and play it out over 5, 10, 15 even 20 years you can see how paying your debts off now can save you $1000s in interest and help you pay off your debts sooner. Once your debts are paid off you can use ALL of the extra money to invest.
Numerically it is much better to pay off your debts first. But since your stockbroker makes his money off your investing what do you think his advice will be?
David Berky is president of Simple Joe, Inc. makers of the popular Debt Eraser PC software, which helps people create a rapid debt reduction plan to get themselves out of debt much sooner and save $1000s in interest payments. Visit http://www.simplejoe.com for more information.



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Printing Tool Utility: Adding Efficiency to Your Printing Job

Computer peripherals like printers are meant to ease and heighten the utility of computer technology. Printers help you in having your documents in print formats. Used in our everyday lifestyle, be it our home, office or shops, the printer has become necessity of our lives, and allows us to get print documents. Even though printers are said to be efficient to dispose work quickly, sometimes it becomes irritating when you are given hundreds of pages to get printed out.
Along with taking a lot of time, it also takes you the painstaking task of changing print setting profiles. The complicated and long print setting becomes too difficult sometimes that it may cause some frequent errors. Having a printing tool utility helps you in getting rid of such hassles. These print utility solve many of your printing problems, and make your printing procedure easier by several times.
In fact, printing tool utility is a kind of shareware utility that is easily available on the Internet, and can even also be downloaded after paying some small amount of money. You may come across several websites offering you these shareware utility free for one month of trial period. If you have liked the software, and wish to download it, you will need to pay some charges after the trial period is over.
Printing tool utility software is compatible with any printer, and all versions of Windows coming after Windows 2000. Even this software is 100% spyware guaranteed, and is easily downloadable. Availing printing utility software lets you finish your printing work at a faster pace. As you don t need to go through that arduous and boring job of changing print set-up profile several times, it automatically saves a lot of your time. Besides, the hassle-free printing experience with its help add efficiency to your work.
About The Author: The author is working in computer shareware sector for a long time. He has been writing informative articles on computer softwares to help people understand the intricacies and take proper decisions while purchasing these products. To download, please visit our site at http://www.trayselector.com



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4 of the Super Affiliate s Untold Secrets....

Does a successful affiliate marketer have any secret tools that separate us from them? That separate an affiliate marketer earning as much as $10,000 a month or even more with another affiliate marketer earning just a few cents a month. We take a look at the so-called secret weapons of a successful affiliate marketer:
1)A website a website is a must for all affiliate marketer. It gives you control on your business. A website is a actually your office with an address (domain name) and a specific location (hosting) for you to conduct your business. Without your address and specific location, it is impossible for you to do any kind of business. Without these two, you will lose a lot of customer and business revenue because your customers do not know where to find you. The office or shop for you to conduct your business in the virtual world is the website where you control everything.
2)Autoresponder Autoresponder is the key to become a super affiliate. It is a basically a program that allows you to reply or to make a follow up to your list even when you are not on- line. We have to create a highly responsive list so that you can get a maximum commissions from your merchant. It can also turn your business to become an automatic cash machine for you even when you are asleep. An Autoresponder does a combination for your promotions, marketing and customer service for your business. Without these three elements, any business will fail.
3)Link tracking software- Link tracking keep tabs on the URL that you ve placed in the advertisement. Whether you place a link on-line or off-line, it can be tracked or should be tracked. You need to know where your traffic came from and you should be able to know which traffic converts the best for you.
4)Link cloaking software A link cloaking software will basically allows you to manipulate the affiliate link from its original form into a different URL and hiding the affiliate link. While it can prevent somebody from stealing your commissions, it will also create a brand for your domain name.
While the list above does not reflects of all the tools or software being used but it is the basic tools that they commonly use (wisely). It is actually not a secret because it is widely available to us. The things that separate a successful and not very successful affiliate marketer is the skills being used on it. Like one beautiful girl said It is not the size that matters but the skills, that s the most important thing! . Learn the basics about certain tools or software, see the big picture of any software or tools (what they really can do), practice to master it and eventually you too can become a successful affiliate marketer.
Nizzura is an expert affiliate marketer who rakes in over $100,000 annually via his amazingly simple online profit system. Learn how you, too, can break free from the 9-to-5 rut by doing what Nizzura does. Just visit: http://www.MiniSites4MegaProfit.com.
Currently he is promoting a brand new product. Visit http://www.ArjunaVillage.com for details.
The author grants full reprint rights to this article. You may reprint and electronically distribute this article so long as its contents remain unchanged, and the author s byline remains in place.



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