MORTGAGE HOME LOANS:
Purchase a home, getting a home loan is one of the most important decision in someone's  lifetime. That's why it's imperative to
get the very best mortgage information possible, also the best mortgage rate program available in the market.
By doing so,could literally save you thousands of dollar in the long run!

We have experienced loyal loan officers who work hard to ensure that you know where, who, how, and what to do, to obtain the
best mortgage service, each day and everyday.
You're in the market to save money, look no further. CALL 786-709-6577 ---SOUTH FLORIDA
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PRE-QUALIFICATION
You should get yourself pre-qualified for a mortgage loan by a competent & experienced mortgage loan officer or lenders before
you begin shopping for a home.    CALL Mr. ANTONY AT 786-709-6577--WE'RE LICENSED MORTGAGE BROKER

Most sellers will not take you seriously as a potential buyer unless you you're preappoved.

PRE-APPROVAL lets sellers know that that the bank, or the lending institution has agreed in principle to approve your mortgage
loan.
And this put you as a prospective investor in better position to negotiate and obtain better deals, better discount, better
advantage for the future.
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HOMEOWNERS INSURANCE. HOW TO SAVE MONEY ON
YOUR INSURANCE?
It will take some time, but could save you a good sum of money.
Ask your friends, check the yellow pages or contact your state
insurance department.



States often make information available on typical rates charged
by major insurers and many states provide the frequency of
consumer complaints by company. Also check consumer guides,
insurance agents, and online insurance quote services. This will
give you an idea of price ranges and tell you which companies
have the lowest prices.

HOW TO SAVE MONEY ON YOUR INSURANCE?

RAISE YOUR DEDUCTIBLE
Deductibles are the amount of money you have to pay toward a
loss before your insurance company starts to pay a claim
according to the terms of your policy. The higher your deductible,
the more money you can save on your premiums.

BUY YOUR HOME AND AUTO POLICIES FROM THE SAME INSURER
Some companies that sell homeowners, auto and liabilities
coverage will take about 5 to 10percent off your premium if you
buy tho or more policies from them.

MAKE YOUR HOME MORE DISASTER RESISTANT.
Find out from your insurance agent or company representative
what steps you can take to make your home resistant to
windstorm and other natural disaster.

You may be able to save on your premiums by adding storm
shutters, reinforcing your roof, if your home is old consider
modernization your heating, plumbing, and electrical system to
reduce the risk of fire and water damage.
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IMPROVE YOUR HOME SECURITY
You can usually get discounts at least 5 percent for smoke
detector, burglar alarm or dead-bolt locks.

MAINTAIN A GOOD CREDIT RECORD
Establishing a solid credit history can cut your insurance can costs.
Insurers are increasingly using credit information to price
homeowners insurance policies.  
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KNOWLEDGE FINANCIAL GROUP & INVESTMENT
We are here to serve and to help. And we will be here for
longtime.

Why not doing business with us. Trust us  & we will deliver the
best to your door.

WE SPECIALIZE IN REAL ESTATE FINANCING,

PROPERTY MANAGEMENT,

MORTGAGE & LOANS, HOME REFINANCING, HOME EQUITY,

REAL ESTATE INVESTMENTS.  CALL US AT:
786-709-6577 SOUTH FLORIDA

--------------------------------------------------------------
TITLE INSURANCE:

A title insurance policy protects a real estate
investment against unknown or hidden title defects
and liens existing as of the date of the policy those
hidden risks can be false impersonation of the true
owner, forged deeds, undisclosed or missing heirs,
human errors etc.

Title insurance often required by a lender for
protection against hidden title defects;
A lender's policy only protects the lender---- A
buyer's policy  protects the buyer against
any eventuality

TITLE SEARCH:
Title  search is recommended to see if there is no
cloud in the title, this
give you a complete details  of the historical records
related the property to ensure that
the seller is the legal owner, that there are no liens,
restrictive covenants, outstanding
judgements or other claims against the property. A
CERTIFICATE of title is issued  as a result of title
search.

WHAT PROTECTION DOES TITLE INSURANCE
PROVIDE AGAINST DEFECTS AND HIDDEN RISKS?
Title insurance shall pay for defending against any
lawsuit attacking the title as insured, and will either
clear up title problems or pay the insured's losses.

For a one-time premium, an owner's title insurance
policy remains in effect as long as the insured, or the
insured's heirs, retain an interest in the property or
have any obligations under a warranty in any
conveyance of it. Owner's title insurance, issued
simultaneously with a loan policy.

WITHOUT TITLE INSURANCE, THE HOMEOWNER
BECOMES A SELF-INSURERS, WHICH IS HIGHLY
INADVISABLE!
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INSURANCE: WAYS TO MAKE MONEY & SAVE MONEY ON YOUR INSURANCE! THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan
Insurance is an important element of any sound financial plan. Different types of insurance protect you and your loved ones in different ways against
the cost of accidents, illness, disability, and death.
2
What Are Your Insurance Needs?  
The insurance decisions you make should be based on your family, age, and economic situation. There are many forms of insurance and,
unfortunately, no one-size-fits-all policy. Life insurance, for example, is a virtual necessity if you have a spouse and children, but perhaps is less
important for a single person. Disability insurance, which provides an income stream if you are unable to work, is important for everyone.
Following is a list of the forms of insurance most people require. INSURANCE: WAYS TO MAKE MONEY & SAVE MONEY
ON YOUR INSURANCE. 15 Insurance Policies You Don't Need
3
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a car and/or from liability for damage or injury caused by you or
someone driving your vehicle. It can also help cover expenses you or anyone in your car may incur as a result of an accident with an uninsured
motorist.
Auto liability coverage is necessary for anyone who owns a car. Many states require you to have liability insurance before a vehicle can be registered.
However, state-required minimum coverage often does not provide adequate protection. Suggested minimums are $100,000 for medical expenses
per injured person, $300,000 for the total per accident, and $50,000 for property damage. Collision, fire, and theft coverage is also advisable for a
vehicle having more than minimal value. You can cut costs, however, by choosing a higher deductible -- the amount of loss that must be exceeded
before you are compensated.
The cost of auto insurance varies greatly, depending on the company and agent offering it, your choice of coverage and deductible, where you live,
the kind of vehicle, and the ages of drivers in the family. Substantial discounts are often available for safe drivers, nonsmokers, and those who
commute to work via public transportation.

4
Homeowner's Insurance
Homeowner's insurance should allow you to rebuild and refurnish your home after a catastrophe and insulate you from lawsuits if someone is injured
on your property. Coverage of at least 80% of your home's replacement value, minus the value of land and foundation, is necessary for you to be
covered for the cost of repairs. There are several grades of policies, ranging from HO-1 to HO-8, with increasingly comprehensive coverage and cost.
Unless you increase coverage, most homeowner's policies cover the contents of the house for 50% to 75% of the amount for which the house is
insured. The liability coverage in many homeowner's policies is $300,000.
5
Liability Insurance
Often called umbrella liability coverage, this takes effect when the personal liability and lawsuit coverage in other policies is exhausted. The cost for
$1 million worth of protection -- especially necessary for high-income individuals and those with considerable assets -- may be only a few hundred
dollars a year.
6
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children, and other dependents with the funds necessary to maintain their
standards of living, can help repay debt, and can fund education tuition costs. The amount you need depends on your situation. If you make $100,000
a year, have a sizable mortgage, and have two kids headed to an expensive college, you could need $1 million in coverage.
Value-accumulating, but commission-heavy, whole life or universal insurance is often sold as a conservative savings vehicle.
Talk with an insurance agent who offers policies from companies whose financial strength is ranked high by rating agencies. And remember that you
can shop
Understand Your Insurance Contract

Almost all of us have insurance. When your insurer gives
you the policy document, generally, all you do is glance
over the decorated words in the policy and pile it up with
the other bunch of financial papers on your desk, right? If
you spend thousands of dollars each year on insurance,
don't you think that you should know all about it? Your
insurance advisor is always there for you to help you
understand the tricky terms in the insurance forms, but
you should also know for yourself what your contract says.
In this article, we'll make reading your insurance contract
easy. Read on to take a look at the basic principles of
insurance contracts and how they are put to use in daily
life.


Essentials of a Valid Insurance Contract
Offer and Acceptance: When applying for insurance, the
first thing you do is get the proposal form of a particular
insurance company. After filling in the requested details,
you send the form to the company (sometimes with a
premium check). This is your offer. If the insurance
company accepts your offer and agrees to insure you, this
is called an acceptance. In some cases, your insurer may
agree to accept your offer after making some changes to
your proposed terms (for example, charging you a double
premium for your chain-smoking habit).
Consideration: This is the premium or the future
premiums that you have pay to your insurance company.
For insurers, consideration also refers to the money paid
out to you should you file an insurance claim. This means
that each party to the contract must provide some value
to the relationship.
Legal Capacity: You need to be legally competent to
enter into an agreement with your insurer. If you are a
minor or are mentally ill, for example, then you may not
be qualified to make contracts. Similarly, insurers are
considered to be competent if they are licensed under the
prevailing regulations that govern them.
Legal Purpose: If the purpose of your contract is to
encourage illegal activities, it is invalid.
Find the Value in Indemnity contracts
Most insurance contracts are indemnity contracts.
Indemnity contracts apply to insurances where the loss
suffered can be measured in terms of money.

Principle of Indemnity: This states that insurers pay no
more than the actual loss suffered. The purpose of an
insurance contract is to leave you in the same financial
position you were in immediately prior to the incident
leading to an insurance claim. When your old Chevy
Cavalier is stolen, you can't expect your insurer to replace
it with a brand new Mercedes-Benz. In other words, you
will be remunerated according to the total sum you have
assured for the car.

Additional Factors
There are some additional factors of your insurance
contract that also need to be considered, including under-
insurance and excess clauses that create situations in
which the full value of an insured asset is not
remunerated.

Under-Insurance: Often, in order to save on
premiums, you may insure your house at $80,000 when
the total value of the house actually comes to $100,000.
At the time of partial loss, your insurer will pay only a
proportion of $80,000 while you have to dig into your
savings to cover the remaining portion of the loss. This is
called under-insurance, and you should try to avoid it as
much as possible.
Excess: To avoid trivial claims, the insurers have
introduced provisions like excess. For example, you have
auto insurance with the applicable excess of $5,000.
Unfortunately, your car had an accident with the loss
amounting to $7,000. Your insurer will pay you the $7,000
because the loss has exceeded the specified limit of
$5,000. But, if the loss comes to $3,000 then the
insurance company will not pay a single penny and you
have to bear the loss expenses yourself. In short, the
insurers will not entertain claims unless and until your
losses exceed a minimum amount set by the insurer.
Not all insurance contracts are indemnity contracts. Life
insurance contracts and most personal accident insurance
contracts are non-indemnity contracts. You may purchase
a life insurance policy of $1 million, but that does not
imply that your life's value is equal to this dollar amount.
Because you can't calculate your life's net worth and fix a
price on it, an indemnity contract does not apply.  

Insurable Interest
It is your legal right to insure any type of property or any
event that may cause financial loss or create a legal
liability to you. This is called insurable interest.

Suppose you are living in your uncle's house, and you
apply for homeowners' insurance because you believe
that you may inherit the house later. Insurers will decline
your offer because you are not the owner of the house
and, therefore, you do not stand to suffer financially in
the event of a loss.

This example demonstrates that when it comes to
insurance, it is not the house, car or machinery that is
insured. Rather, it is the monetary interest in that house,
car or machinery to which your policy applies.

It is also the principle of insurable interest that allows
married couples to take out insurance policies on the lives
of their spouses - they may suffer financially if the
spouse dies. Insurable interest also exists in some
business arrangements, as seen between a creditor and
debtor, between business partners or between employers
and employees.

Principle of Subrogation
Subrogation allows an insurer to sue a third party that has
caused a loss to the insured and pursue all methods of
getting back some of the money that it has paid to the
insured as a result of the loss.

For example, if you are injured in a road accident that is
caused by the reckless driving of another party, you will
be compensated by your insurer. However, your insurance
company may also sue the reckless driver in an attempt
to recover that money.



Doctrine of Utmost Good Faith
All insurance contracts are based on the concept of
"uberrima fidei", or the doctrine of utmost good faith.
This doctrine emphasizes the presence of mutual faith
between the insured and the insurer. In simple terms,
while applying for life insurance, it becomes your duty to
disclose your past illnesses to the insurer. Likewise, the
insurer cannot hide information about the insurance
coverage that is being sold.

Doctrine of Adhesion
The doctrine of adhesion states that you must accept the
entire insurance contract and all of its terms and
conditions without bargaining. Because the insured has no
opportunity to change the terms, any ambiguities in the
contract will be interpreted in favor of the insured.

Conclusion
When purchasing insurance, most of us rely on our
insurance advisor for everything - from choosing a policy
for us to filling in the insurance application forms. Most
people try to stay away from the boring legal terms of
insurance contracts, but it is always handy to be familiar
with these words and phrases and to become familiar with
the terms of the policy you are paying for.
Life Insurance Clauses Determine Your Coverage

Do you have a life insurance policy? How many times have you
gone through your policy document? Once or maybe twice, right?
And do these important clauses like incontestable clause,
spendthrift clause or reinstatement clause mean anything to you?
If you are totally clueless about terms like these, don't worry, this
is the right article for you.


Life insurance is a wealth-generating tool - it eases your surviving
family's financial burdens in your absence and also provides
periodic income, which takes care of temporary needs like
mortgage repayments, education etc. However, in order to make
sure that your life insurance policy will provide for you family when
you can't, you need to understand the product you are buying.
Here we'll cover some sections of life insurance policies that you
need to be aware of.

Beneficiary Clause
The main aim of life insurance is to transfer wealth to your heirs
or to provide liquidity to your family. For that reason, you need to
name a beneficiary who will receive the life insurance proceeds
after your death. This beneficiary can be your spouse, children or
relatives. You also can change your recipient's name any time
during the term of the policy.

However, if you still have not nominated a beneficiary, then your
family is going to be in some trouble. The insurance money will
go to your estate and the probate fees needed to settle your
estate can dig a big hole in your surviving family's liquid assets.  

Therefore, it is always practical to have a primary and a
contingent (secondary) beneficiary in your policy. For example,
you can choose your wife as a primary beneficiary and your
children as contingent beneficiaries. That way, in case your
spouse also dies, your children will qualify for the insurance
money.

You pass through various phases in your life: marriage, divorce, a
new business, the birth of your child and more. Consequently, you
need to stay with the changing times by updating your
beneficiaries to adjust for those events.

Preference Beneficiary Clause
If you have not nominated a beneficiary in your policy, your
insurance company will disburse the life insurance money to the
individuals listed in your policy. Presume that the order of priority
in your policy is: 1) your spouse, 2) your children, 3) your
parentts. If the proceeds are distributed, they will go the first
living individual which, in most cases, will be your spouse.

Survivorship Clause
According to this clause, after your death, the policy proceeds will
go to the beneficiary - for example your wife - but only if the
beneficiary survives you by a stated number of days.

Misstatement of Age Clause
Your age plays an important role in determining adequate life
insurance coverage. The older you are, the higher the premium
that is charged. Therefore, if you lie about your real age to reduce
your premiums you may to pay a huge price for it. In this
situation, your insurer may choose to cancel your policy entirely,
increase your premiums or adjust your policy amount.

Incontestable Clause
Your insurance company is entitled, usually during the first two
years of the policy, to challenge the validity of your policy on the
basis that you held back material information. If you are found
guilty of concealment, your insurer will void the policy and return
the premiums.

For instance, if you concealed the important fact that you are a
heavy drinker in order to get a lower premium and your insurer
finds out about this lie, it will not pay the claim on your death if it
occurs during the first two years of the policy.

However, after the two-year period, your insurer cannot revoke the
policy and has to pay the insurance money to your family without
any opposition.

Despite this clause, there are exceptions in which the insurance
company will not have to pay the claim, such as in cases of
deliberate fraud, where your insurer may opt to contest your policy
even after the two-year period.

This is the most important clause of your life insurance policy
and, therefore, you should make sure that this clause is included
in your policy and that you are familiar with the specified time
limit.

Spendthrift Clause
If you have named your gambler son as a beneficiary, there is a
chance that upon your death, your son's creditor may pounce on
your life insurance proceeds. The spendthrift clause gives the
insurer the right to hold back the proceeds and protect them from
creditors. In this case, your insurer may prefer to pay the
insurance money in installments to your son.

Suicide Clause
The suicide clause in your policy specifies that the insurance
company will not pay the money if the insured attempts or
commits suicide within a specified period from the beginning of
the coverage. If the insured's death is a result of suicide, an
insurer will only return previously paid premiums to the family.

War Clause
Normally, insurance companies do not compensate for death due
to war or war-related developments. As per this clause, if you are
a victim of war, your insurer will not pay out the benefits to you.
In its place, your insurer will reimburse the previously paid
premiums to your family.

Aviation Clause
According to this clause, your insurer will not pay compensation to
your surviving family due to death on an airplane.

Conversely, if you are an airline employee, you can buy aviation
insurance by paying higher premiums.

Free Look Period / Free Examination Period
If you are not satisfied with the terms and conditions of the
policy, you can return the policy within a specified period after
receiving it and your premiums will be fully refunded. Here, the
time frame will vary depending your insurer.




Grace Period Clause
There are times when you cannot pay the premiums as a result of
financial troubles. In these circumstances, the "grace period"
provision works in your favor. Your insurance company will provide
a grace period within which you can make the necessary monetary
arrangements and pay your premiums. During this time, you will
continue to be covered by your insurance policy. If you still do not
care to pay your premiums, your policy may be cancelled.

If you die within the grace period, your insurer will pay the
insurance money after subtracting the unpaid premium from that
money.

Reinstatement Clause
If your policy has lapsed due to non-payment of premium, you
can revive it by paying all the past outstanding premiums along
with interest. However, you need to prove to your insurer that you
continue to enjoy good health to qualify for this provision.

Conclusion
If you haven't yet taken the time to understand your insurance
policy, you should do so as soon as possible. Life insurance is an
asset if you know how to make the most of it, but many choose
not to bother with insurance jargon and instead choose to blindly
follow their insurance advisors - this choice can have serious
consequences for you and your family. Your knowledge of the
insurance clauses described above can give you an upper hand
when purchasing life insurance and can help you ensure that your
insurance coverage works in the best interests of your family.
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Annuities INSURANCE
Many people have made annuities part of their retirement plan
– for good reason. Annuities can help provide for your
retirement income needs. Fixed annuities, for example, can
help protect against market losses, guarantee income and help
maximize the wealth you pass on to your heirs.

How annuities work
Simply put, an annuity is a contract between you and an
insurance company. You pay the insurance company a single
purchase payment or a series of purchase payments. In
exchange, you'll have access to convenient withdrawal features
and living benefits.

Annuities are unique because of their combination of tax
deferral and the opportunity for a stream of income payments.

Fixed and variable annuities
There are two types of annuities – fixed and variable. The
main difference is based on how the purchase payments are
allocated. A financial advisor who is familiar with your financial
goals, objectives and risk tolerance can help you determine
which type of annuity might be right for you.

Long-term care insurance
A secure financial future involves protecting your financial
independence if you should need long-term care. So it's
important to understand how long-term care insurance can help
safeguard you if you are no longer able to care for yourself.

Plan ahead for long-term care
Individuals may need long-term care for an extended period of
time at home, in an assisted living facility or at a nursing
home. Since this type of care is a likely part of most people's
lives – and is costly – you may want to incorporate long-term
care insurance into your overall financial plan.

How long-term care insurance can help
By providing access to long-term care insurance, a financial
advisor help their clients prepare for the future and focus their
energy on what's really important – enjoying life.

An advisor can help you make informed decisions about what
works for you, including how much long-term care may be
needed, what type of care you prefer, the cost of each option
and how much to expect from government benefits.
Disability income insurance
Your income depends on your ability to earn it
A well-rounded financial plan should protect what's
important – especially your income. Disability income
insurance offers an extra layer of financial protection by
providing income replacement in the event of a disabling
injury or illness.

A financial advisor can help you determine the type and
amount of disability protection you may need.

How does disability income insurance
work?
Disability income insurance is designed to replace your
income when you're not able to earn it. If you receive
coverage through work, it may only cover a portion of your
income or it may be taxable, which further reduces its
benefit. Retaining your own coverage gives you more
control.

You choose disability income insurance
based on:

Benefit amount. The percentage of current monthly
income you replace.
Length of time before benefits start. Also called the
elimination period; similar to a deductible for medical or
auto insurance. You typically choose 30, 60, 90 or 180
days.
Terms of income. You can set the terms for a length of
time to receive your benefit anywhere from one to two
years up until age 67.
Definition of disability. This can be the most important
part of a policy. The types of injuries or illnesses that can
make it impossible to do your job are often much
different from the types of disabilities that make it
difficult. One type of injury may be covered and the other
may not, depending on your choices. When you're not
sure, talk to a financial advisor about your choices.
BUYING, SELLING, LEASING A REAL STATE PROPERTY IN SOUTH FLORIDA IS THE AFFAIR OF A
LICENSED REAL ESTATE PROFESSIONAL.

CALL Mr. ANTONY AT: 786-709-577 FOR A COMPLETE REAL ESTATE SERVICE!
Homeowners' Insurance: What You Need to Know
Get the basics on homeowners' insurance and the importance of
doing a home inventory.

Before finalizing a mortgage loan, lenders require home buyers to
purchase at least a minimal level of "hazard insurance," which is part
of the standard homeowners' insurance policy. Hazard insurance will
cover damage or destruction by fire, smoke, wind, hail, theft,
vandalism, or another similar event. To protect your own interests,
however, you'll probably want to buy comprehensive home owner's
insurance, including liability insurance and more complete hazard
coverage than your lender requires.

What Homeowners' Insurance Covers In addition to covering the
house, the hazard portion of your homeowners' insurance protects
furnishings and other personal items, as well as any other structures
on the property, such as a pool or separate garage (unless you use
such structures for nonresidential purposes, such as for your home
business).

Most policies' hazard coverage doesn't include business equipment,
damage caused by natural disasters, or loss of art or jewelry over a
certain amount. You will want to purchase additional insurance if your
house is in a high-risk area for fire, floods, earthquakes, or other
natural disasters or if you have expensive art, jewelry, or business
equipment at home.

Standard homeowners' policies also cover some types of personal
liability -- if the mail carrier, for example, trips over your kid's
skateboard or gets clawed by your cat, your policy will pay for the
carrier's medical expenses and other losses, up to a certain limit.
Unlike hazard insurance, this portion isn't required by your lender --
but is a good idea anyway, since you don't want to lose your house
to pay someone's medical bills.

Finding Homeowners' Insurance Finding good homeowners'
insurance coverage has become surprisingly difficult in some states,
such as California and Texas. High payouts for mold and other
disasters have made the insurance industry in these states skittish.
If either you or the seller of the property have made claims for water
damage (the usual precursor to mold), you might actually find that
you can't purchase a policy -- or at least not a reasonably priced
one. Same thing goes if you've filed many insurance claims in the
past -- you might not be able to find a company willing to sell you
insurance.

You can protect yourself against the possibility of not getting
homeowners' insurance for a house you're purchasing by making
your obtaining insurance a contingency or condition of finalizing the
sale.

Claiming Homeowner Losses Guard your policy well once you've got
it. Don't file claims unless you have to -- if you file more than two or
three claims, your rates will rise and your policy may be canceled.
You are best advised to get a policy with a high deductible, so that
you've got no reason to file lower-cost claims that will raise your
premiums or lead to future cancellation of your policy. (Your lender
may, however, insist you not go higher than a certain deductible
amount.)

Making a Home Inventory If your home is struck by a burglary, fire,
flood, earthquake, or other disaster, an up-to-date home inventory
will make it easier to deal with police and your insurance company.
Without one, you'll have to create a list of all your property from
memory.

Fortunately, making a home inventory isn't onerous, and might
actually prompt you to prevent the loss itself. As you inventory your
possessions, you'll become more aware of their vulnerability, and
can take steps to secure them.

Start by walking through your house with a pad of paper and a still
or video camera. Jot down a list of any items worth more than $50 or
so and take pictures of them. Go room by room, and don't forget
the garage, attic, and basement. Be sure to include jewelry, clothing,
stamp or coin collections, CD and record collections, silver, tools, and
electronic equipment.
Then take a little time to formalize your inventory. Insurance
companies often supply inventory .
-------------------------------------------------------
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