Page 34 - The-Mortgage-Maximiser-Method-by-Thomas-Ilinkovski
P. 34

ĮůĞ  ƌĞƉŽƌƚ  ĨƌŽŵ  Ă  ĐƌĞĚŝƚͲƌĞƉŽƌƟŶŐ  ĐŽŵƉĂŶLJ  ůŝŬĞ   ƋƵŝĨĂdž͘  :ƵƐƚ  ǀŝƐŝƚ  ǁǁǁ͘
                   ŵLJĐƌĞĚŝƞŝůĞ͘ĐŽŵ͘ĂƵ ƚŽ ĚŽǁŶůŽĂĚ ƚŚĞ ĂƉƉůŝĐĂƟŽŶ ĨŽƌŵ͘ dŚĞƌĞ ŝƐ Ă ŶŽŵŝŶĂů ĨĞĞ
                   for this service.

                   /Ŷ  ƐŽŵĞ  ŝŶƐƚĂŶĐĞƐ͕  ďŽƌƌŽǁĞƌƐ  ŵŝŐŚƚ  ŚĂǀĞ  ƚǁŽ  ĐƌĞĚŝƚ  ĮůĞ  ƌĞƉŽƌƚƐ͘  dŚŝƐ  ŝƐ
                   ƌĞĨĞƌƌĞĚ ƚŽ ĂƐ Ă  ƌŽƐƐ ZĞĨĞƌĞŶĐĞ͘ dŚŝƐ ŽĐĐƵƌƐ ǁŚĞƌĞ ĞŝƚŚĞƌ ƚŚĞƌĞ ŝƐ ƐŽŵĞŽŶĞ
                   ĞůƐĞ ŝŶ  ƵƐƚƌĂůŝĂ ǁŚŽ ŚĂƐ ƚŚĞ ƐĂŵĞ Žƌ ƐŝŵŝůĂƌ ŶĂŵĞ ĂƐ LJŽƵ ŚĂǀĞ͕ Žƌ LJŽƵ ŚĂǀĞ
                   ƚǁŽ ĐƌĞĚŝƚ ĮůĞƐ ;ĨŽƌ ĞdžĂŵƉůĞ͕ ƵŶĚĞƌ Ă ƉƌĞǀŝŽƵƐ ŵĂƌƌŝĞĚ ŶĂŵĞͿ͘ dŚĞ ƐLJƐƚĞŵ
                   ǁŝůů ŶŽƚĞ ƚŚŝƐ ĂƐ Ă ͚ ƌŽƐƐ ZĞĨĞƌĞŶĐĞ ĂůĞƌƚ͛͘


                           •  Income and assets

                              ďŝŐ ĨĂĐƚŽƌ ŝŶ ĚĞƚĞƌŵŝŶŝŶŐ ŚŽǁ ŵƵĐŚ LJŽƵ ĐĂŶ ďŽƌƌŽǁ ĚĞƉĞŶĚƐ ŽŶ
                            ŚŽǁ  ŵƵĐŚ  LJŽƵ  ĞĂƌŶ͘   ŝīĞƌĞŶƚ  ůĞŶĚĞƌƐ  ƵƐĞ  ĚŝīĞƌĞŶƚ  ĨŽƌŵƵůĂƐ  ƚŽ
                            ǁŽƌŬ ŽƵƚ ŚŽǁ ŵƵĐŚ ƚŚĞLJ ǁŝůů ůĞŶĚ ƚŽ Ă ďŽƌƌŽǁĞƌ͘ >ĞŶĚĞƌƐ ĞŶƚĞƌ ƚŚĞ
                            income into a computer-based calculator. This calculator is referred
                            ƚŽ ĂƐ Ă ^ĞƌǀŝĐĞĂďŝůŝƚLJ  ĂůĐƵůĂƚŽƌ͘ dŚŝƐ ǁŽƌŬƐ ŽƵƚ ŚŽǁ ŵƵĐŚ ƚŚĞ ůĞŶĚĞƌ
                            ǁŝůů ůĞŶĚ ƚŚĞ ďŽƌƌŽǁĞƌ ďĂƐĞĚ ŽŶ ƚŚĞ ŝŶĐŽŵĞ ĂŶĚ ĞdžƉĞŶƐĞƐ ĚĞƚĂŝůƐ
                            provided.


                             džĂŵƉůĞ͗
                            zŽƵƌ ĂŶŶƵĂů ƐĂůĂƌLJ ŝƐ Ψϳϱ͕ϬϬϬ͘ dŚĞ ůĞŶĚĞƌ ǁŝůů ƉƌŽǀŝĚĞ LJŽƵ ǁŝƚŚ ĂĐĐĞƐƐ
                            ƚŽ Ă ŵĂdžŝŵƵŵ ŽĨ ΨϰϱϬ͕ϬϬϬ͘  ůů ůŝĂďŝůŝƟĞƐ ƚŚĞŶ ŶĞĞĚ ƚŽ ďĞ ĞŶƚĞƌĞĚ
                            ŝŶƚŽ ƚŚĞ ƐĞƌǀŝĐĞĂďŝůŝƚLJ ĐĂůĐƵůĂƚŽƌ ƚŽ ƌĞŇĞĐƚ LJŽƵƌ ĐŝƌĐƵŵƐƚĂŶĐĞƐ͘ dŚĞƐĞ
                            ŝŶĐůƵĚĞ ĂŶLJ ƉĞƌƐŽŶĂů ůŽĂŶƐ͕ ĐĂƌ ůŽĂŶƐ͕ ĐƌĞĚŝƚ ĐĂƌĚƐ ĂŶĚ ƐŽ ŽŶ͘

                            tŝƚŚ ƉĞƌƐŽŶĂů ĂŶĚ ĐĂƌ ůŽĂŶƐ͕ ƚŚĞ ůĞŶĚĞƌ ƵƐĞƐ ƚŚĞ minimum amount
                            ĚƵĞ ĞǀĞƌLJ ŵŽŶƚŚ ĂƐ Ă ůŝĂďŝůŝƚLJ͘


                           •  Credit cards

                            tŝƚŚ ĐƌĞĚŝƚ ĐĂƌĚƐ͕ ƚŚĞ ůĞŶĚĞƌ ƵƐĞƐ ƚŚĞ limit of the credit card as the
                            ůŝĂďŝůŝƚLJ͕ ŶŽƚ ƚŚĞ ĂŵŽƵŶƚ LJŽƵ ŽǁĞ͘ dŚĞ ƌĞĂƐŽŶ ĨŽƌ ƚŚŝƐ ůŝŶĞ ŽĨ ƚŚŝŶŬŝŶŐ
                            ŝƐ ƚŚĂƚ ŝƚ ŝƐ ĞĂƐLJ ĨŽƌ Ă ďŽƌƌŽǁĞƌ ƚŽ ƵƐĞ ƚŚĞŝƌ ĐĂƌĚ ƚŽ ƚŚĞ ůŝŵŝƚ ĂŶĚ
                            therefore that becomes part of their monthly liability.

                             džĂŵƉůĞ͗

                            :ŽŚŶ ŚĂĚ Ă sŝƐĂ ĐĂƌĚ ǁŝƚŚ Ă ůŝŵŝƚ ŽĨ ΨϭϬ͕ϬϬϬ ĂŶĚ ƚŚĞ ďĂůĂŶĐĞ ǁĂƐ
                            ΨϳϱϬ͘ dŚĞ ůĞŶĚĞƌ ǁŽƵůĚ ƵƐĞ ƚŚĞ ΨϭϬ͕ϬϬϬ ůŝŵŝƚ ĂƐ Ă ůŝĂďŝůŝƚLJ ƚŽ ĞƐƟŵĂƚĞ
                            :ŽŚŶ͛Ɛ ƚƌƵĞ ŵĂdžŝŵƵŵ ďŽƌƌŽǁŝŶŐ ĂďŝůŝƚLJ͘  ŌĞƌ ƌĞĐĞŝǀŝŶŐ ƐŽŵĞ ǀĂůƵĂďůĞ
                            ĂĚǀŝĐĞ ĨƌŽŵ ŚŝƐ ŵŽƌƚŐĂŐĞ ďƌŽŬĞƌ͕ :ŽŚŶ ĐĂůůĞĚ ŚŝƐ ĐƌĞĚŝƚ ĐĂƌĚ ƉƌŽǀŝĚĞƌ
                            ƚŽ ƌĞĚƵĐĞ ƚŚĞ ůŝŵŝƚ ƚŽ Ψϱ͕ϬϬϬ ŽŶ ƚŚĞ ĐƌĞĚŝƚ ĐĂƌĚ͘ dŚŝƐ ŝŶĐƌĞĂƐĞĚ ŚŝƐ
                            ŵĂdžŝŵƵŵ ďŽƌƌŽǁŝŶŐ ĂďŝůŝƚLJ ďLJ ĂďŽƵƚ Ψϭϱ͕ϬϬϬ͘










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