Ben Stein says:  "You will need 126% of your best years' eanings for every year of your retirement" 

Today, Buying or Refinancing a Home Requires Real Planning

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BestMoneyGuy are trademarks of Dennis J. Curcio dba The Best Money Guy.

Our Origination Fee is Fixed Regardless of Your Credit, the Loan Amount, or the Loan Type (Conventional, Conforming, Jumbo,FHA, VA, etc.) 

 

Even with all the trouble and changes in the home loan industry, the majority of loan originators are still playing the same old game - luring you in with a low ball quote.  Unfortunately, the Government and the industry have done next to nothing to eliminate this practice that costs you thousands of dollars.

 

We've been operating with our full and up-front disclosure policy since our first day.  We have never believed, unlike our competitors, that your loan rate should be determined by the sales techniques of the loan originator to maximize their income.  We believe that our job is to get you the absolutely lowest interest rate and lowest loan origination costs, and that the only factors that should determine your interest rate is your credit history and your risk factors. 

 

When we provide you with a loan quote, it is based solely on the information you provide to us and the current loan investor market rates, terms, and fees.  The more accurate and detailed information you provide determines the final rate and terms quoted by the investor.      

 

Our job is to work with you so that you get the best deal possible.  Unfortunately, most consumers do not plan far enough in advance when purchasing a home and the mortgage loan is usually an afterthought when it should be done before looking at homes for sale.   

 

Let the Best Money Guy help you get ready for shopping for a home.  A bit of planning will save you tens of thousands of dollars and a whole lot of frustration.  Call us at 866-268-9970 for FREE info.

Never Lose Again In the Stock Market 

Inflation, income, estate and social security taxes will destroy the value of your 401K or IRA just when you're ready to relax.  

 

If you think that tax rates will decrease over time we have a bridge in Brooklyn for sale.  Even the 1980's Regan tax cut didn't last long, and with the spendaholics in Washington furiously printing money, you can bet that you'll get to pay dearly for it in the future.

 

 IRAs and 401Ks are called tax qualified plans.  These plans allow you to defer taxes until retirement.  The key word is defer.  With qualified plans, you must pay taxes on the entire amount at retirement, including the accumulated growth, which is the largest portion.  In The Plan, you pay ZERO taxes on the accumulated growth.  Obviously, this is a huge benefit to you.  Even better, the proceeds from The Plan do not count against your social security benefits, whereas qualified plan distributions can quickly eliminate your social security benefits.

 

Let the Best Money Guy help you always win with your long-term investments and avoid income taxes.  Call us at 866-268-9970 for FREE info.

For Info Call:  866-268-9970

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Laid Off or Job Gone? 

 

If you have a 401k, 403b, TSA, or a Government retirement 457 plan and you''ve been laid off or terminated, then you have a wonderful opportunity to "roll over" your money into "The Plan" where you will never suffer a single loss of your money or your accumulated gains.  Even better, you can do this now without incurring any penalties.  Call us at 866-268-9970 for FREE info.

 

The Tax Deferred Trap 

 

On the surface, tax deferred plans, (401k, 403b, TSA, 457) give you the opportunity to grow your savings tax free.  But, the gotcha is that your withdrawls will be taxed at the future income tax rates.  Now, do you really want to bet on what the income tax rates will be in the future?  And, social security has already moved to means testing - meaning reducing benefits because you have too much income.  At the rate the Washington D.C. crowd is spending, you can count on higher tax rates in the future.  This might make your tax deferred plan a really bad idea.  Call us at 866-268-9970 for FREE info.

 

Has your employer stopped matching funds in your 401K? 

 

Wall Street has lost our trust.  That's why thousands of Americans are getting smart and are moving their cash "off" Wall Street into a more stable investment where there is a guarantee that you can't lose your money or the accumulated interest and still capture most fo the growth in the S&P 500.  With as little as a few hundred dollars a month you could be receiving your yearly salary 100% TAX FREE for the rest of your life.

 

Discover how you can create your own personal financial independence day.  Call us at 866-268-9970 for FREE info.