I want to explain the reality of mortgage renewals for you and save you thousands of dollars in interest over the course of your mortgage.
A renewal happens when the term of your current mortgage becomes due and your current lender sends you an offer to renew the mortgage with them. This is the standard practice used by banks today.
Often these lenders will issue renewals and quote rates on various types of mortgages, for example 1 year fixed, 3 year fixed and 5 year fixed. Do they give you, their valued customer their best rate when they send you these renewals? NO they don't! The banks hope that the consumer will simply think that they have to sign this renewal and send it back to them.
I urge you all, talk to me first! As a mortgage agent with access to over 30 lenders, I can almost always get you a better rate on your renewal. Allow me to show you if you are getting a good deal or not from your old lender. Normally not! Your bank has only one lender, themselves. As a mortgage agent, I work for you, the client, not the bank. I have almost 30 different lenders to choose from to meet your unique needs.
Contact me when you are renewing or refinancing your mortgage, http://www.marywozny.com/ or email mwozny@mortgagealliance.com.
Warmly,
Mary Wozny
Sunday, August 2, 2009
Buying a Home - Are You Ready Financially?
For most Canadians, purchasing your home is likely the most important investment you will ever make. How do you know if you are financially ready for the responsibilities that home ownership comes with?
Canada Mortgage and Housing Corporation (CMHC) offers these tips to assess your current financial situation, to calculalte your monthly expenses and to determine how much home and mortgage you can afford.
Calculate your net worth - the total of all your assets (include investments, savings, properties, vehicles etc.) minus your liabilities, (mortgages, car loans, personal or student loans, credit cards or other debts). Your net worth is the difference between your assets and your liabilities and will give you a visual of your current financial situation and an idea of how large a down payment you can afford.
Calculate your current monthly expenses to determine what kind of mortgage payment can comfortably fit into your budget. These include current housing expenses such as rent, utilities, parking and other fees as well as cable/TV/internet, debt payments, insurance, gas and repairs for the cars, clothing, medical and dental costs, child care expenses and groceries.
When you have a clear picture of your financial situation, determine how much you can afford in monthly housing costs. These costs should not exceed 32% of your gross household income. Overall, the total of all your monthly debt load shouldn't be more than 40% of your gross household income.
After determining your financial picture and if you are ready, then contact me http://www.marywozny.com/ for your mortgage financing.
For many people, the hardest part of buying a home - especially a first home - is saving enough money for the down payment. With CMHC mortgage loan insurance, you can purchase a home for as little as 5% down payment on approved credit. With some lenders that 5% can even be a gift from a relative.
To find out more contact me, http://www.marywozny.com/, email mwozny@mortgagealliance.com.
Warmly,
Mary Wozny
Canada Mortgage and Housing Corporation (CMHC) offers these tips to assess your current financial situation, to calculalte your monthly expenses and to determine how much home and mortgage you can afford.
Calculate your net worth - the total of all your assets (include investments, savings, properties, vehicles etc.) minus your liabilities, (mortgages, car loans, personal or student loans, credit cards or other debts). Your net worth is the difference between your assets and your liabilities and will give you a visual of your current financial situation and an idea of how large a down payment you can afford.
Calculate your current monthly expenses to determine what kind of mortgage payment can comfortably fit into your budget. These include current housing expenses such as rent, utilities, parking and other fees as well as cable/TV/internet, debt payments, insurance, gas and repairs for the cars, clothing, medical and dental costs, child care expenses and groceries.
When you have a clear picture of your financial situation, determine how much you can afford in monthly housing costs. These costs should not exceed 32% of your gross household income. Overall, the total of all your monthly debt load shouldn't be more than 40% of your gross household income.
After determining your financial picture and if you are ready, then contact me http://www.marywozny.com/ for your mortgage financing.
For many people, the hardest part of buying a home - especially a first home - is saving enough money for the down payment. With CMHC mortgage loan insurance, you can purchase a home for as little as 5% down payment on approved credit. With some lenders that 5% can even be a gift from a relative.
To find out more contact me, http://www.marywozny.com/, email mwozny@mortgagealliance.com.
Warmly,
Mary Wozny
Saturday, August 1, 2009
Just Finished New Website!
Phew! Long day! I'm so excited! I just finished my new website and have it uploaded and operational! Check it out at www.VibrantHealthandProsperity.com. Let me know what you think of it!
Warmly,
Mary Wozny
Warmly,
Mary Wozny
Wells Fargo Financial Corportion Canada Discontinues Residential Real Estate Lending!
Hot off the press! Disturbing news for consumers!
Effective July 30th, 2009, Wells Fargo Financial Corporation Canada will no longer be accepting residential mortgage loan applications through its consumer branch and indirect broker network channels.
Notice was given Thursday and brokers were advised of immediate cancellation of any Mortgage Broker Origination Agreement or other real estate lending agreements they may have had with Wells Fargo Financial Corporation Canada or Wells Fargo Financial Corporation Canada HomePlan Mortgage.
To the extent Wells Fargo Financial Corporation Canada HomePlan Mortgage has issued a valid fully executed mortgage commitment, provided the applicant or applicants fulfill all of the terms and conditions of the mortgage commitment (including any time specified for closing or expiration of the mortgage commitment), we will honour those commitments.
Warmly,
Mary Wozny
Effective July 30th, 2009, Wells Fargo Financial Corporation Canada will no longer be accepting residential mortgage loan applications through its consumer branch and indirect broker network channels.
Notice was given Thursday and brokers were advised of immediate cancellation of any Mortgage Broker Origination Agreement or other real estate lending agreements they may have had with Wells Fargo Financial Corporation Canada or Wells Fargo Financial Corporation Canada HomePlan Mortgage.
To the extent Wells Fargo Financial Corporation Canada HomePlan Mortgage has issued a valid fully executed mortgage commitment, provided the applicant or applicants fulfill all of the terms and conditions of the mortgage commitment (including any time specified for closing or expiration of the mortgage commitment), we will honour those commitments.
Warmly,
Mary Wozny
Thursday, July 30, 2009
How to Know If Your Web Squeeze Page Sucks! Oops! Did I Say That?
I have a very important message for you.
Greg Clement just released his 72 page "WSSPR" report which stands for
"Websites Suck Squeeze Pages Rule. "
It goes into great detail on why traditional websites are terrible marketing tools and even worse for lead generation.
He gives you one of the most modern cutting edge,and simple, systems I've ever seen to harness the power of the internet for MASSIVE lead generation.
I guarantee some people reading this exact email will forever change their business with the ideas presented in this report.
It's that good.
Check it out at: http://www.simsprofits.com/?1030315
It's for beginners AND advanced internet marketers and everyone in between.
It's for you...
Well let me take that back, it's for you IF you need more seller, buyer, or private lender leads.
(But I'm pretty sure you wouldn't mind more of those).
Check this thing out real quick and get your copy NOW!
Go to http://www.simsprofits.com/?1030315
Warmly,
Mary Wozny
Greg Clement just released his 72 page "WSSPR" report which stands for
"Websites Suck Squeeze Pages Rule. "
It goes into great detail on why traditional websites are terrible marketing tools and even worse for lead generation.
He gives you one of the most modern cutting edge,and simple, systems I've ever seen to harness the power of the internet for MASSIVE lead generation.
I guarantee some people reading this exact email will forever change their business with the ideas presented in this report.
It's that good.
Check it out at: http://www.simsprofits.com/?1030315
It's for beginners AND advanced internet marketers and everyone in between.
It's for you...
Well let me take that back, it's for you IF you need more seller, buyer, or private lender leads.
(But I'm pretty sure you wouldn't mind more of those).
Check this thing out real quick and get your copy NOW!
Go to http://www.simsprofits.com/?1030315
Warmly,
Mary Wozny
Thursday, July 2, 2009
Where Are the Hottest Real Estate Markets Now?
If you could easily know, at the push of a button, wherethe absolute best real estate markets in the US are...whatwould that be worth to you? Would it be worth 3 minutesof your time to check it out?
Discover how you can find the hottest real estate markets toinvest in before your competitors even realize that the'Bubble' has holes in it!
Check it out here -> http://www.realestatepress.com?a_aid=83743216
Warmest Regards and Happy Investing,
Mary Wozny
Remember check it out now! http://www.realestatepress.com?a_aid=83743216
Discover how you can find the hottest real estate markets toinvest in before your competitors even realize that the'Bubble' has holes in it!
Check it out here -> http://www.realestatepress.com?a_aid=83743216
Warmest Regards and Happy Investing,
Mary Wozny
Remember check it out now! http://www.realestatepress.com?a_aid=83743216
Tuesday, June 30, 2009
It Goes Live Today!
A quick heads-up for you...It finally goes live at 9am eastern time today
Richard Roop just released his new program called "Quick Start Guide to Making Money: 28 Days to Free & Clear Cash" and it ROCKS!
This is THE break-through investing program that I think you should get.
Richard gives you a step-by-step, paint-by-numbers blueprint to find and fund free and clear "cash cow" deals that allow you to collect $6,000 or more in cash... the day you buy your next deal.
Here's the real kicker... his detailed plan is designed so you can do it in 28 days or less. And he is giving it away for the cost of shipping! Richard is out of his mind. See for yourself...
Go to: http://www.roopcashmachine4.com?rid=216
Whether you're a seasoned investor or a rank beginner - you should grab your copy of "Quick Start Guide to Making Money- DVD package today!
I'm not sure how many copies he ordered for distribution so there's a chance he can run out. I guarantee you can get MASSIVE results no matter what level of investor you are simply implementing the strategies Richard reveals on this DVD.
Go to: http://www.roopcashmachine4.com?rid=216
Imagine how good you'll feel when you collect $6,000 or $15,000 or even $50,000 in immediate, upfront cash... and do it in as little as 28 days!
P.S. The blueprint or action plan could earn you thousands of dollars more on your next deal. This program isn't for couch potatoes, so head over and claim your DVD and companion guide...
Go to: http://www.roopcashmachine4.com?rid=216
Happy Investing!
Mary Wozny
Richard Roop just released his new program called "Quick Start Guide to Making Money: 28 Days to Free & Clear Cash" and it ROCKS!
This is THE break-through investing program that I think you should get.
Richard gives you a step-by-step, paint-by-numbers blueprint to find and fund free and clear "cash cow" deals that allow you to collect $6,000 or more in cash... the day you buy your next deal.
Here's the real kicker... his detailed plan is designed so you can do it in 28 days or less. And he is giving it away for the cost of shipping! Richard is out of his mind. See for yourself...
Go to: http://www.roopcashmachine4.com?rid=216
Whether you're a seasoned investor or a rank beginner - you should grab your copy of "Quick Start Guide to Making Money- DVD package today!
I'm not sure how many copies he ordered for distribution so there's a chance he can run out. I guarantee you can get MASSIVE results no matter what level of investor you are simply implementing the strategies Richard reveals on this DVD.
Go to: http://www.roopcashmachine4.com?rid=216
Imagine how good you'll feel when you collect $6,000 or $15,000 or even $50,000 in immediate, upfront cash... and do it in as little as 28 days!
P.S. The blueprint or action plan could earn you thousands of dollars more on your next deal. This program isn't for couch potatoes, so head over and claim your DVD and companion guide...
Go to: http://www.roopcashmachine4.com?rid=216
Happy Investing!
Mary Wozny
Monday, June 29, 2009
Motivate Yourself and Your Business with NASA Proven Music!
It's amazing how the power of something as simple as music can instantly empower you to create the vibration of success and open the door for higher levels of consciousness, health and vitality! Sound too good to be true?......It most definitely is not!
As I sit here writing this to you I have Mark's music playing softly in the background, inspiring me and bringing a higher vibration energy to myself. Now you can discover for yourself the power of music and how it can be a catalyst for transformation and breakthrough!
I would like to introduce you to my good friend Mark Romero who is a gifted sound and vibrational healer. His powerfully beautiful music guides one to wholeness, health, and abundance effortlessly.
I can honestly say there is no greater or more beautiful way to heal than by following Marks sweet sounds. A simple way to living a charmed life.
To experience his music and a wonderful offer he put together for you please click this link:
http://www.markromeromusic.com/cmd.php?Clk=3096741
His music heals... A former top-consultant from NASA has proven that Mark's music has frequencies in it that actually put listeners into a higher state of consciousness and helps them to live healthier, stronger and vital lives. His music can instantly assist individuals to move into a higher state of being that allows the frequencies of their dreams to be in vibrational alignment, through the frequencies of his music.
Go now to: http://www.markromeromusic.com/cmd.php?Clk=3096741
Mark truly enjoys leading and coaching others to higher levels of success, and has developed a totally unique and never before experienced process. He incorporates his music as a prescription for vibrational change that is helping people to create more passion, purpose, meaning and fulfillment in their professional and day-to-day lives.
Dedicated to empowering and motivating businesses and individuals, Mark infuses his harmonizing music and new ways of thinking -- opening doors to untapped possibilities and extraordinary results.
Mark is offering this special package only through July 10th. So act now as this is a package you will not want to miss out on.
http://www.markromeromusic.com/cmd.php?Clk=3096741
Harmoniously yours!
Mary Wozny
As I sit here writing this to you I have Mark's music playing softly in the background, inspiring me and bringing a higher vibration energy to myself. Now you can discover for yourself the power of music and how it can be a catalyst for transformation and breakthrough!
I would like to introduce you to my good friend Mark Romero who is a gifted sound and vibrational healer. His powerfully beautiful music guides one to wholeness, health, and abundance effortlessly.
I can honestly say there is no greater or more beautiful way to heal than by following Marks sweet sounds. A simple way to living a charmed life.
To experience his music and a wonderful offer he put together for you please click this link:
http://www.markromeromusic.com/cmd.php?Clk=3096741
His music heals... A former top-consultant from NASA has proven that Mark's music has frequencies in it that actually put listeners into a higher state of consciousness and helps them to live healthier, stronger and vital lives. His music can instantly assist individuals to move into a higher state of being that allows the frequencies of their dreams to be in vibrational alignment, through the frequencies of his music.
Go now to: http://www.markromeromusic.com/cmd.php?Clk=3096741
Mark truly enjoys leading and coaching others to higher levels of success, and has developed a totally unique and never before experienced process. He incorporates his music as a prescription for vibrational change that is helping people to create more passion, purpose, meaning and fulfillment in their professional and day-to-day lives.
Dedicated to empowering and motivating businesses and individuals, Mark infuses his harmonizing music and new ways of thinking -- opening doors to untapped possibilities and extraordinary results.
Mark is offering this special package only through July 10th. So act now as this is a package you will not want to miss out on.
http://www.markromeromusic.com/cmd.php?Clk=3096741
Harmoniously yours!
Mary Wozny
Wednesday, March 11, 2009
Buying From the Banks the Right Way .....
My good friend Jeff Adams released his new ForeclosureProfits System.
Get your copy -- AT NO CHARGE -- here: http://www.foreclosureprofits3.com/?rid=257
Jeff is finally revealing his closely held secrets to buyingproperties for pennies on the dollar DIRECTLY from banks andlenders.
I’ll tell you something - this is the SAFEST way to buy properties because you’re dealing with established institutions.
Forget chasing flaky sellers, there are so many foreclosed bank-owned homes on the market today the banks are trying tounload at record pace.
Bad news for them, good news for you!
Jeff will show you how the RIGHT way to buy these homes from banks at the lowest prices. And no, these aren’t only ugly fixeruppers, but also pretty homes in nice neighborhoods.
We’re in a once in a lifetime opportunity and I highly suggestyou take advantage of it.
Plus, Jeff’s gone off the deep end with this one - he’s givingis Foreclosure Profits System away at no cost.
You’ll discover the very same bank-owned buying strategies he and his student use to build a million dollar foreclosure realestate Empire.
Now’s your chance, I highly suggest you take it. http://www.foreclosureprofits3.com/?rid=257
To Your MASSIVE Success,
Mary
P.S. Get your hands on Jeff’s secrets to making money in today’sonce in a lifetime market before it’s too late.http://www.foreclosureprofits3.com/?rid=257
Get your copy -- AT NO CHARGE -- here: http://www.foreclosureprofits3.com/?rid=257
Jeff is finally revealing his closely held secrets to buyingproperties for pennies on the dollar DIRECTLY from banks andlenders.
I’ll tell you something - this is the SAFEST way to buy properties because you’re dealing with established institutions.
Forget chasing flaky sellers, there are so many foreclosed bank-owned homes on the market today the banks are trying tounload at record pace.
Bad news for them, good news for you!
Jeff will show you how the RIGHT way to buy these homes from banks at the lowest prices. And no, these aren’t only ugly fixeruppers, but also pretty homes in nice neighborhoods.
We’re in a once in a lifetime opportunity and I highly suggestyou take advantage of it.
Plus, Jeff’s gone off the deep end with this one - he’s givingis Foreclosure Profits System away at no cost.
You’ll discover the very same bank-owned buying strategies he and his student use to build a million dollar foreclosure realestate Empire.
Now’s your chance, I highly suggest you take it. http://www.foreclosureprofits3.com/?rid=257
To Your MASSIVE Success,
Mary
P.S. Get your hands on Jeff’s secrets to making money in today’sonce in a lifetime market before it’s too late.http://www.foreclosureprofits3.com/?rid=257
Tuesday, February 24, 2009
Update and Clearing the Air
It's been quite a while since I've written to you for a couple of reasons. We've been hit with some computer spam issues that affected our systems. I apologize if you've received erroneous emails from us!
Secondly, I've been sitting back and thinking about decisions to keep this site going and its' future. This is difficult for me to write and I've thought long and hard about what to do. Quite honestly, I still don't have an answer. I'm all about helping people and love the interaction we've had, but I watch and listen to other 'gurus' and frankly, am appalled at what is being said and promoted to you. And so, I've been quiet as I deal with the many changes and challenges in my life and have been focusing on my volunteer activities, which is near and dear to my heart.
Many of you know that my son Brad chose to walk away from both myself and his sister as a result of the divorce proceedings, severing both our personal and busines relationships. It's been painful to say the least but I've learned that everything happens for a reason and have moved on. I love him and will always be here for him but he is on his own journey and has much healing to do.
However, and this is big, I can't stand by any longer while untruths are being said and used as a way to promote himself and his products. He has good information to give to people and truly doesn't have to lie to accomplish this, but has chosen to do so. He has posted a 5:50 minute video wherein he states that his shame of 19 years comes from watching his parents being foreclosed upon and the 'thud' of the door being closed as we lost our home. Good for sympathy but entirely untrue!
I've emailed both Brad and his girlfriend as well as put comments on his blog which of course were not put up, to have him correct this and speak the truth. He has not and continues to ignore my requests to do so.
I am not ashamed of the truth, they were difficult times and I've never hidden that. The truth is that due to my former husbands business failure we did go through bankruptcy as many others did in the 1990's. I saved our home with the help of my mother, God bless her soul, it was tough, no question.
At the same time my former husband attempted suicide which both my children witnessed along with me, and assisted in saving his life. You can only imagine the devastation, trauma and shame that resulted from this and the impact on my children who were then 10 and 12. These things in life make us who we are today though, it is how we chose to react to lifes situations and challenges that help us grow and evolve.
This is part of why I love to help people because I really do understand what others have gone through, I've experienced most of it and am empathetic to their needs. I want them to believe in themselves and achieve their goals and dreams.
In the midst of such a time I was very grateful that I was able to save our home for us - to have Brad out there now stating that we lost our home is unconsionable and I have to set the record straight. I truly dislike having to do this but he has gone too far this time with these untruths. I've let other misrepresentations go by but enough is enough.
At the end of the day, I honestly am not sure how I will proceed from here. Those of you who know me will realize that I speak from my heart and from my truth. Time and intuition will guide me in these decisions.
Thank you for being a loyal supporter of MillionaireRiches.com. I know that many are facing challenges that sometimes seem unsurmountable. I will say to you to accept and don't resist these challenges, "it is what it is" as I like to say. Remove the emotion and resistance from your challenges and accept the way things are and move on.
It is easier to go with the flow of the river than try to swim against the tide. Life gets a lot easier for you once you can recognize and live this.
Thanks for listening, my blessings to you all.
Mary Wozny
Secondly, I've been sitting back and thinking about decisions to keep this site going and its' future. This is difficult for me to write and I've thought long and hard about what to do. Quite honestly, I still don't have an answer. I'm all about helping people and love the interaction we've had, but I watch and listen to other 'gurus' and frankly, am appalled at what is being said and promoted to you. And so, I've been quiet as I deal with the many changes and challenges in my life and have been focusing on my volunteer activities, which is near and dear to my heart.
Many of you know that my son Brad chose to walk away from both myself and his sister as a result of the divorce proceedings, severing both our personal and busines relationships. It's been painful to say the least but I've learned that everything happens for a reason and have moved on. I love him and will always be here for him but he is on his own journey and has much healing to do.
However, and this is big, I can't stand by any longer while untruths are being said and used as a way to promote himself and his products. He has good information to give to people and truly doesn't have to lie to accomplish this, but has chosen to do so. He has posted a 5:50 minute video wherein he states that his shame of 19 years comes from watching his parents being foreclosed upon and the 'thud' of the door being closed as we lost our home. Good for sympathy but entirely untrue!
I've emailed both Brad and his girlfriend as well as put comments on his blog which of course were not put up, to have him correct this and speak the truth. He has not and continues to ignore my requests to do so.
I am not ashamed of the truth, they were difficult times and I've never hidden that. The truth is that due to my former husbands business failure we did go through bankruptcy as many others did in the 1990's. I saved our home with the help of my mother, God bless her soul, it was tough, no question.
At the same time my former husband attempted suicide which both my children witnessed along with me, and assisted in saving his life. You can only imagine the devastation, trauma and shame that resulted from this and the impact on my children who were then 10 and 12. These things in life make us who we are today though, it is how we chose to react to lifes situations and challenges that help us grow and evolve.
This is part of why I love to help people because I really do understand what others have gone through, I've experienced most of it and am empathetic to their needs. I want them to believe in themselves and achieve their goals and dreams.
In the midst of such a time I was very grateful that I was able to save our home for us - to have Brad out there now stating that we lost our home is unconsionable and I have to set the record straight. I truly dislike having to do this but he has gone too far this time with these untruths. I've let other misrepresentations go by but enough is enough.
At the end of the day, I honestly am not sure how I will proceed from here. Those of you who know me will realize that I speak from my heart and from my truth. Time and intuition will guide me in these decisions.
Thank you for being a loyal supporter of MillionaireRiches.com. I know that many are facing challenges that sometimes seem unsurmountable. I will say to you to accept and don't resist these challenges, "it is what it is" as I like to say. Remove the emotion and resistance from your challenges and accept the way things are and move on.
It is easier to go with the flow of the river than try to swim against the tide. Life gets a lot easier for you once you can recognize and live this.
Thanks for listening, my blessings to you all.
Mary Wozny
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