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Financial Tips For January 2014

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Here are 10 Tips that will significantly help you and give you greater insight into how I view the financial world.

Tip #1
Tragically, wars kill thousands of people but they also kill millions of taxpayers as their income, property and sales taxes increase while at the same time put billions of dollars in the pockets of corporations and politicians irresponsibly, immorally, unethically and, from my perspective, illegally.

Tip #2
Loan officers can increase their purchase business by coaching home buyers and real estate agents how to submit offers with the proper financial terms and conditions. Doing so will result in more accepted offers.

Tip #3
There are financing secrets that will enable home buyers to get some or all of their settlement costs paid by sellers.

Tip #4
There are financing secrets that will enable home buyers to get mortgage rates below the going rate of interest.

Tip #5
Loan officers can increase their business by learning when and how to properly structure discount points into their purchase and refinancing transactions.

Tip #6
Loan officers can increase their business by learning how to properly structure settlement costs for home buyers and property owners into their purchase and refinancing transactions.

Tip #7
Many townships in a deteriorating economy will be agreeable to reduce real estate assessments but the problem is that property taxes will continue to increase for most property owners. Why? Because townships will simply increase their tax rates in order to feed their growing, irresponsible and obese budgets.

Tip #8
The U.S. economy is a mathematical house of falling cards because, as more and more Americans continue to see their disposable income decrease as a result of decreasing incomes and increasing expenses, it will continue to deteriorate very badly.

Tip #9
All 6 fundamentals that the U.S. economy is founded on have been decreasing for the first time in history since the year 2005. As a result, consumer disposable income, consumer borrowing, consumer spending, real estate ownership, real estate values and real estate equity have been decreasing. This is exactly why the current U.S. economy is the worst in history despite false and deliberately misleading media, government and corporate reports.

Tip #10
Short on money ?? No problem !! Just go print some and add it to your skyrocketing debt the same way the U.S. government does.

Remember to look for my “Financial Tips For February 2014” article in about four weeks.


Phil Mitsch

Agents’ Note: Phil Mitsch is America’s leading economic recovery, real estate, lending and motivational coach. He is also the real estate industry’s all time, top producing residential Realtor. His 1) biography, 2) testimonials, 3) seminar topics, 4) books, 5) videos, 6) audios, 7) economic recovery tips, 8) real estate tips, 9) lending tips and 10) motivational tips can be found at For further information, contact Phil Mitsch Enterprises in Cherry Hill, New Jersey at 856-665-6569, on Twitter at @philmitsch, or by email to



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