If you are considering purchasing a home or refinancing—you can go to quickenloans.com or lendingtree.com along with local mortgage lenders in your area—to determine what loan will best suit you—and your family. You can compare closing costs, APR's and Par rates to determine what loan will best serve your—and your family's long-term interests.
Learn how to apply the— “Keys to Success”—in your life
How You Can Use Synergy to Improve Your Personal
contemplated this page, I thought to
myself—what is a topic that I need to discuss at this time that can really move consumers forward in a
powerful way—in their credit, finance and other areas of their life—to improve
the credit, real estate and financial lives of consumers worldwide in a highly
I then came
up with “synergy and personal finance” based on what I know this topic can do for
the lives of consumers from around the world.
discussion our goal is to explain the topic thoroughly and in a manner that you
can readily understand and benefit from.
Did you know
that “Synergy” is living your life in balance—in a real way—in all that you do?
Synergy is having two or more things in your life function together—to produce a result at a level that is not independently obtainable—you must have all areas of your life “working together" in a “real and meaningful way” if you desire to reach the goals and objectives that you want for yourself and your family in a more efficient manner!
By doing so—you will help get the ball of "momentum" moving in a more forceful manner!
In the area of your credit and finances you must have a clear objective of your future goals and you must have the knowledge and preparation that is needed for success. You must have mental, spiritual and physical balance in your life.
Maintaining and improving your credit and finances lie at the center of you obtaining the “synergy” that is needed to move yourself and your family forward in an effective and efficient manner.
You must also understand “Compensating
Factors” as it relates to your credit and finances because it too—will play a
role in possibly helping you obtain the “synergy” that is needed in your life—so
that you can move forward effectively.
Below—we will look at how you can use
compensating factors to help you gain the “synergy” in your life that is needed
for success at a high level.
Synergy as it relates to your “Insurance”
can be explained as follows:
If you had a
very high net worth you could choose to self-insure and that would “compensate”
or counterbalance the fact that you did not purchase—say health insurance, life
insurance, disability insurance or homeowners insurance—etcetera.
as it relates to your “Home Purchase” can be explained as follows:
If you were
to purchase a home and you were to receive an inheritance from a trust in two
years of—say $100,000 and you currently didn’t have a large down payment or an
emergency fund and you decided to purchase a home with say—3.5% down—the fact
that you would be receiving $100,000 in two years would “compensate or
counterbalance” your lack of a large down payment and a properly funded
emergency fund—or retirement account—to a degree depending on your age and
other factors—thereby improving the synergy in many areas of your life.
Synergy as it relates to your “Home Mortgage”
can be explained as follows:
If you were
to purchase a home and you obtained a mortgage in your name only—and had
another household member who would be contributing to the household expenses, that
too—could compensate or counterbalance your lack of an emergency fund—because
it could possibly put you in position to save a six month emergency fund in an
efficient manner—after you purchased your home—thereby, putting your finances
back in balance—in a real way.
The key when utilizing "compensating
factors" when you purchase your home (or at any time) is that you must have a
well thought out plan in place that you intend to follow—otherwise you may end
up in a worse position than you were in prior to your home purchase (or other
transaction)—and the “synergy” in your life will move in the wrong direction.
You must understand your current
credit and financial position in a thorough manner prior to your home
purchase—or any other credit or financial maneuver that you may have in mind.
By doing so you will improve the “synergy”
in your life—and increase the odds of a successful future in all areas of your
On this site
we try to explain timely credit and financial concerns in a manner that can
really benefit consumers in a real and meaningful way. By understanding how to more effectively
utilize the “synergy” that exists in your life—you make your future success in
all areas of your life—more likely to occur.
You now have
a better understanding of how you can use “synergy” (the interaction
of events in
your life) to produce results that are greater
than what you could do if you looked at your
situation in a haphazard manner—and not part of a comprehensive whole.
have the knowledge of how to use synergism
(to get better results in your life) to improve your future goals and
objectives in all areas of your life—in a more effective manner.
Our new book that hits the market
this year will further help you improve the “synergy” in your life in a real
way—and will help re-define the way that success is achieved for consumers—in
an even more forceful and effective manner—in all areas of their credit and
As we look
to the future we will continue to look for new ways to improve the “synergy” in
your life. Our goal is to not only focus
on new ways that we can assist consumers worldwide in improving their credit
and finances in an effective manner—but to also improve upon the existing content on
We thank you for visiting—and we ask
that you continue to improve your credit, finances and living conditions to a
high level—for yourself and your family.
By navigating this site you can gain the knowledge that will help you
improve the “synergy” in your credit, real estate and financial life—and all other areas of
concern in your life that you and your family may have!
Thomas (TJ) Underwood