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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 804-794-2662.
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Get Free Presentation On My Home Marketing.
Before signing a contract with any Realtor, make sure you know EXACTLY how your home will be marketed.
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 Compare three mortgages at one time. Download TripleCalc now. It's free. |
Philip Hoffman is one of The Top
Selling Real Estate Experts™
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Let Me Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation.
As a top Richmond Realtor, I make it my business to be aware of every local home or property on the market. I even know of properties that will be available, but have yet to formally be placed on the market. I have direct access to the Richmond area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings. If you give me some idea of what you are looking for, I will personally review all my sources of real estate listing information and send you everything within your price range that matches your criteria. I can save you a great deal of time! This is a totally free service, and there is no obligation. It's part of my job to offer services like this to homebuyers. Fill out this form, and I will quickly get back to you! Please give me as many details as possible...
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Financing Your Home >Home Free
Conventional wisdom says, "Don't pay off your mortgage early." Are you foolish to consider an early payoff? Absolutely not! By adding just $50 to $100 to your mortgage payment every month, you can save thousands of dollars in interest, pay off your loan quicker, and eliminate a major monthly expense.
The argument usually given against paying off a mortgage early is that you can make investments with your extra cash, such as mutual funds, stocks or bonds, which pay higher returns. This approach enables you to take the mortgage interest deduction and have easy access to your money, in case you need it. These are all definite pluses, but are not guaranteed savings results.
Any extra income which an investment might generate above your home equity appreciation can be offset by a bad year in the investment market. Investment earnings can virtually eliminate the income tax advantage of your mortgage interest deduction, since stocks and bonds are likely to generate a fair amount of dividends, interest income and capital gains.
It isn't as simple as conventional wisdom--consult a financial expert.
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| Q |
The upper walls of what famous holy temple are lined with gold?
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| A |
The Golden Temple in Amritsar, India is the most sacred temple and spiritual center of the Sikhs. |
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NUMBER1EXPERT™ 
