Shawn Brennan, Brennan Capital Group

Shawn
Brennan - HOME OWNERS, BUYERS AND INVESTORSReasons to Plan for Your
Estate
If you don’t plan, chances are the bulk of your estate (property)
will go to the government. Estate planning also means arranging for guardianship
of your children, and making medical and financial arrangements if you become
incapacitated – decisions you probably don’t want left to people who do not know
(or care about) your desires.
Brennan Capital
Group - A Mortgage Corporation Your Rights Regarding Credit Repair

No one can legally remove accurate and timely negative information from a
credit report. The law allows you to ask for an investigation of information in
your file that you dispute as inaccurate or incomplete. There is no charge for
this. Some people hire a company to investigate on their behalf, but anything a
credit repair clinic can do legally, you can do for yourself at little or no
cost. According to the Fair Credit Reporting Act (FCRA):

You’re entitled
to a free report if a company takes “adverse action” against you, like denying
your application for credit, insurance, or employment. You have to ask for your
report within 60 days of receiving notice of the action. The notice will give
you the name, address, and phone number of the consumer reporting company.
You’re also entitled to one free report a year if you’re unemployed and plan to
look for a job within 60 days; if you’re on welfare; or if your report is
inaccurate because of fraud, including identity theft.

Brennan Capital
Group, Certified Mortgage Planning Specialist

Brennan Capital
Group Services: Consider the following niche lender mortgage scenarios, each
of which is carrying a mid-5-percent mortgage rate as of this morning:

$900,000 mortgage with 10 percent down, primary residence
$1.5
million mortgage with 30 percent down, vacation home
$2.0 million mortgage
with 30 percent down, primary residence
Again, none of these mortgages are
approvable through traditional banks channels including Chase, Bank of America,
Citibank, and Wells Fargo. It takes a niche lender to get it done.
Brennan
Capital Group
Shawn
Brennan
Brennan
Capital Group Information

Why should you work with Shawn
Brennan, Certified Mortgage Planning Specialist?

Certified Mortgage
Planning Specialist professionals have demonstrated financial knowledge and
expertise regarding the tax and financial planning implications of various
mortgage and real estate investment strategies.

Therefore, CMPS
professionals can better advise you when it comes to:
Your single largest
debt - mortgage
Your single largest asset - real estate equity
Life
Planning needs and goals - cash flow

About Brennan
Capital Group
Shawn Brennan: Medical Insurance
Health
insurance policies cover the cost of most medical expenses. Because of the
extremely high costs associated with medical treatment, such insurance is
important to have. Buying a policy before having an accident, a serious illness,
or becoming pregnant is vital, since insurance doesn't cover health care for
preexisting medical problems or conditions.

Many people have group
health insurance plans through their employer or union. If you do, you may be
required to pay a portion of the premium, particularly if you work part-time.
Still, since the costs and risks associated with health care are spread among
many, the cost to you is usually low.

Shawn
Brennan Services

A tax credit is a dollar-for-dollar reduction in what you would
owe for taxes. For example, if you qualify for a tax credit of $1000, you would
be able to subtract that amount from your total tax liability. Common examples
of tax credits are:

Earned income credit. This credit reduces the tax
burden on lower-income taxpayers.
Brennan
Capital Group ServicesIndex of Business Conditions

Tatum’s
Index of Business Conditions combines elements of the past 30 days and next 60
days into one number, summarizing our view of the current overall trend. The
index declined as of August 1 to the level characteristic of December 2007
through March 2008. To view the Tatum Index of Business Conditions, please click
on {Index of Business Conditions}.
Shawn
Brennan, Certified Mortgage Planning Specialist Tell the creditor or
other information provider, in writing, that you dispute an item. Be sure to
include copies (NOT originals) of documents that support your position. Many
providers specify an address for disputes. If the provider reports the item to a
consumer reporting company, it must include a notice of your dispute. And if you
are correct — that is, if the information is found to be inaccurate — the
information provider may not report it again.

Shawn Brennan

Shawn
Brennan - HOME OWNERS, BUYERS AND INVESTORS: Choose mutual funds and ETFs
with a minimum portfolio size that is economical

If an active fund is
too small, then fund management quality can suffer or fees could grow. Passively
managed index funds and ETFs do not have the significant overhead that active
funds have associated with personnnel to evaluate investment alternatives.
Because of their much lower analytic costs, the minimum size of passively
managed index funds and ETFs can be less an issue than it is with an actively
managed fund.
About Shawn Brennan

Brennan
Capital Group Services
Shawn
Brennan - HOME OWNERS, BUYERS AND INVESTORS

Avoid very large
actively managed mutual funds
Big mutual fund portfolio positions and higher
percentage ownership of any company’s bonds or common stock are not good things
for actively managed mutual funds.

Shawn Brennan, Certified Mortgage
Planning Specialist
Brennan Capital Group Information:
Experienced Mortgage Consultants
By asking basic questions and understanding
our customer's future goals, we merge our experience and expertise to match our
customer's needs with the right product and the best rates that assist our
customer's to meet and achieve their financial goals.