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Using Your Mortgage to Create Wealth

The wealthier a person becomes, the greater the imminent threat of loss.

This loss can occur through taxation or by bona fide or conjured attacks by creditors or litigators. In any event, the opportunity to avert our personal loss or failure exists today. Often our homes are our largest investments.

Carrying debt on your home does not ruin your finances, but there are methods that increase your financial stability and your personal cash flow. The market points toward continuing instability for investments in general as well as instability in the value of real estate. If you value the money that you have put into your home, you would be smart to get the money out of your home and into a market that is not affected by market disasters, natural disasters and creditors.

Home equity is not the same as cash in the bank. Cash is liquid and home equity has many contingencies. With limits and conditions on mortgages and insurance policies, protection is limited to circumstances that may be outside our control. Rather than looking at a home as an asset with value, look at your home as an asset with cash flow. Remember where cash flows, liability goes and regardless of where you vest the funds that go into your home they are vulnerable and must be protected.

Before you browse the introductions to Equity Harvesting and Home Equity Acceleration Plan (HEAP), some generalizations in home equity apply to all US citizens.

- You do not earn interest on the equity in your home.
- Your mortgage has no affect on your home's value in the market (unless you are foreclosed.
- Your mortgage is probably the cheapest money you will ever buy.
- Your only possible tax break on your home is with interest.
- By maximizing your interest payment and minimizing your principle payment, you will increase your tax savings.

Arbitrage, which is theoretical risk free investing, works in home equity management.

Arbitrage - The purchase or sale of an instrument and simultaneous taking of an equal and opposite position in a related market, in order to take advantage of small price differentials between markets or,

Arbitrage - The purchase/sale of a contract on a market and the simultaneous taking of an equal and opposite position, usually on another market, to profit from discrepancies in the price and/or currencies involved.

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