Another Interesting Year

Today is my 39th birthday. So as one can imagine I have spent some time with family this weekend. I have had a little time to think about the past year with the many memories and experiences. My children are growing, learning and keeping Laura and myself active and entertained.

I only seem to have one troubling area in my life that I am dealing with, which is how little people are interested into giving each other a helping hand using the payoffthemortgage.org website.

The website has now been available for over 18 months with little to no following. This leads me to ask: How bad does it need to get economy wise for people to consider helping each other?

Let's see: unemployment is in the double digits in many states, foreclosures are near their peak and Deutsch bank recently posted a prediction that half of all mortgages will be in some part of foreclosure by 2011 (kind of bleak).

One would think that using the power of the internet for an actual good purpose would be more accepted. I am guessing that doing good loses out to porn, social sites and spending in the internet hierarchy.

I did question if something was wrong with focusing on mortgages but when I did the analysis again there are just to many positives. Credit cards balances can get wiped out in bankruptcy, Cars do not hold value and no one wants to pay to buy some one a new Porsche when they are driving decade old car. Homes allow for equity (savings, nest egg) to be built, equity that can be tapped (cashed-out) if needed. Homes are where families grow, provide memories and like the saying goes," Home is where our heart is".

I remain upbeat and positive looking toward the future nevertheless. We all know that each year more memories (good and bad) will take place. My kids will continue to keep me on my toes as their world expands throughout another school year and sometimes good ideas take time to grow, be accepted in society.

I raise a glass toward another wonderful year ahead.

I just recently filmed new videos for the website and Youtube. Go to http://payoffthemortgage.org/ to check out the new videos.

Here is the link to the video on Youtube, the sound is difficult to hear in some parts, http://www.youtube.com/watch?v=eT9GU3OjK5Q

I went into my local Chase branch to pay $3.78 on the principal balance of my mortgage (WAMU). The teller was new and kind of taken aback when I gave her my mortgage loan number. She was impressed that I had it memorized. I informed her that I wait until the mortgage is paid on the 11th each month then stop in regularly to put my pocket change toward the principal balance. I have a few Chase branches which are within close proximity to my home so it normally is along the way. I figure every little bit counts.

Just one additional mortgage payment each year will cut up to 1/3 of the time off a normal 30 year mortgage.

Welcome

Here is the first blog dedicated towards helping homeowners pay down/pay off mortgage balances. I created a website that allows people to make Gifts directly to home owners either through PayPal or by sending a Gift directly to the financial institution holding the mortgage.

This blog is to help focus on ways to make money, save money, to help reduce outstanding indebtedness. I truly believe that utilizing the power of the internet to help people in need can only result in winning scenario for all. Less debt for people, Less debt for financial institutions, Less taxes, Less Government bailouts.

Imagine if people were as dedicate to paying down debt as getting the latest car, clothes, computer, gaming system or tv. What if each working person made a gift of a few dollars, ie. $3, toward a homeowner in need. Lets say as an example 10,000 people gave a $3 gift, then around $30,000 tax free could go to help someone in need.

I am not here to make millionaires. I just want to build a community that focuses on giving a helping hand to hard working people. Maybe the person will be a family member, friend, neighbor, co-worker. Please visit http://payoffthemortgage.org/ to help a homeowner.

I look forward to seeing how this community grows for the future.