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By now it is my sincere hope that you are making your OWN decisions with regard to dating multiple women at once versus selecting a steady girlfriend.

After all, the truth is that how you conduct your dating life is your business, and there is no valid reasoning to support slapping a value judgment on how you do so. And yeah, I realize that doesn’t stop the “mainstream” dating advice crowd from telling you one thing and the PUA “bootcampers” from telling you the exact opposite…as if each respective side’s mutually exclusive viewpoint was “absolute”.

You’d think there’s no middle ground.

And really, you never, ever hear about how to handle any potential PROGRESSION from dating multiple women now to possibly selecting one for a more stable relationship later.

From what you read out there, it really is made out to be an “all or nothing” deal. You’re told either to go sarging as much as possible and hopefully build a collection of HB’s contact info, or you’re admonished to think more in terms of building a monogamous relationship from minute one.

Well, once again, welcome to yet another newsletter about a topic you’ve likely NEVER, EVER heard mentioned elsewhere.

To be sure, I’m not going to tell you IF you should have an exclusive girlfriend or not.

No pre-determined outcomes. No agendas.

Instead, just straight talk on how to handle the decision to go exclusive with a certain woman…or not.

Almost every day, it seems, I hear from guys who want to date lots of women, but have found themselves in a steady relationship they never really asked for explicitly. Or, I hear from guys with the opposite problem. They really want a great girlfriend and someone to build a future with, but having focused on pickup techniques they’re left wanting when it comes to relationship management skills.

Well, today I’ve got your back on this issue.

Here, in simple English, are three UNACCEPTABLE reasons to make a woman your steady girlfriend, followed logically by three OUTSTANDING reasons to go exclusive:

THREE UNACCEPTABLE REASONS TO GO EXCLUSIVE

1) She’s the only one you’re dating anyway

OK. You feel as if you don’t have any other options and don’t see any on the immediate horizon. But you DO have a woman who actually seems to like you. Why not just make her your steady girlfriend? Seems uncomplicated enough.

And indeed, this is how things go for A LOT of guys out there. I’d dare say the MAJORITY.

I thought about devoting an entire newsletter to the concept of how if ONE woman is wildly attracted to you, it almost GUARANTEES that there would be others. And that’s pretty much true.

Some guys truly are at “ground zero” when it comes to attraction and aren’t yet deserving what they want. But other guys are passively sleepwalking through life and only end up with a woman by default, basically. Out of happenstance, a guy may be introduced to a woman and end up on a first date with her. Date one turns into date two, and so on until what we’re talking about here happens.

And what’s next? That nagging feeling of having SETTLED, that’s what.

If you can get one woman in your life, you could theoretically have options if you summon the confidence to believe it. Apart from that, you are operating from a position of very limited personal power.

2) She cajoled you more than others

You may actually have several women you are casually dating, all of whom are interesting and interested. But often there’s that one woman who levels the ultimatum on exclusivity a bit earlier and with decidedly more conviction than the others. Since she’s so vocal about it, and since you kind of like her, you capitulate.

And “capitulate” is a profane word around here. It rhymes with “settle”.

For that matter, if you look up “capitulate” in the dictionary, it’ll probably say “gave away all his power to a woman who lost all respect for him almost immediately after he caved in to her demands.”

Careful here. I’m NOT saying that any woman who wants an exclusive relationship with you should be denied categorically. I AM saying that you shouldn’t kowtow to HER decision to be exclusive…especially if it’s not YOUR decision also.

3) You feel like you’ve got to “lock her down”

Maybe you have some options, but then the World’s Hottest Woman shows up in your life. You have this “OMG” moment and start scrambling to make her your steady girlfriend because… 1) She’s the most ridiculously sexy chick you’ve ever dated and you’ve got to make her yours, and… 2) …if you don’t, you’re afraid some other guy will.

First of all, remember that if a high-quality woman shows up in your life, that’s to be treated as having RAISED THE BAR. It’s not to be considered a “stroke of luck”. This is kind of a logical progression to the concept of having the ability to attract ONE begets the ability to attract MANY.

Indeed, this woman is simply an indicator that you have earned the ability to attract a higher echelon of women. So continue the rational progression of seeing how well you two get along before getting serious, please.

But more importantly here, you are seriously damaging you own attractiveness here by jumping all over her. Remember, getting kills wanting…especially if you’re trying to hold onto her with a “death grip” very early on.

And most importantly, um…you CAN’T lock another human being down, dude. She can still leave you, even if she’s you’re steady girlfriend.

THREE OUTSTANDING REASONS TO GO EXCLUSIVE

1) You know what you want in a woman

If you haven’t dated many women at all, how do you know what you REALLY want? If you’ve dated your share of high-quality women and you’ve had a chance to fine-tune exactly who it is you’re looking for, then you’ll be WAY better equipped to recognize her when she shows up in your life.

And if you find yourself in the mood to actually HAVE an exclusive relationship with her, it’s probably because of the next point…

2) You’ve left no curiosity unanswered in the dating world

Here’ a truth that’s about as simple as truth gets: If you’re still interested in dating lots of women, then you probably aren’t interested in choosing one of them from the mix at this point.

If you end up in a steady relationship under such circumstances, you’ll probably end up with your nose pressed against the glass looking at “greener pastures” outside.

And this will be the case no matter how great your girlfriend is. After all, you weren’t in the “relationship” state of mind just yet.

On the other hand, what if you’ve been dating sixteen women at once, and have grown tired of all the juggling?

Let’s say you narrowed that field down to four or five at that point. And after a while, you then started realizing that you had met and enjoyed the company of lots of incredible women but were now thinking more about stability and long-term vision than you have in the past.

It’s about then that you may realize that one woman on your list is by far your first choice. Were she available every night, you’d see her instead of the others.

Well, that woman would be a GOOD choice for an exclusive relationship, I’d say. You will have selected her from many options and with a solid frame of mind.

3) You have tested and approved her ultimate worthiness

Even if you have a firm grasp on what runs your guns as far as women go, and even if you have a pile of women in your life, there’s always the off chance that one’s going to come along who flat-out knocks your socks off. The switch gets flipped and she’s basically all you can think of.

Whoa there, cowboy.

You’ve been around the block to know that it takes sweet time to qualify a woman fully. Spend loads of time with her in common, everyday situations. Mix it up some. Meet her friends and vice-versa. Go on that all-important road trip I talked about in a newsletter a couple of months ago.

You’ve got to make sure you know that what’s under the hood has the horsepower to back the sexy bodywork. Otherwise, she’s “all show and no go”. And true character takes time to show forth in its fullness.

Take your time and decide from a position of strength. And deserve what you want also, because a great woman like her is probably as tuned in to reason as you are.

You’ll notice that conspicuous by its absence from either list is “because she’s pregnant”. That’s either the subject of a whole ‘nother newsletter, or something that needs to be handled on a case-by-case basis. I’m still trying to figure out which it is for sure.

But either way, guys, the one thing is DO know for sure is that you have GOT to be a man who makes his own informed decisions in the dating world rather than being subject to the whim of someone else.

###

Do you refuse to “settle” and choose to deserve what you want instead? If so, you’ll enjoy Scot McKay’s refreshing approach to dating and seduction, yours to discover at: http://www.relationship-advice.us

Stop by right now and Scot will personally send you a FREE 8-part mini-course ($47 value) when you sign up for the X & Y Communications Newsletter, which is always packed with unique and practical dating tips.

Also be sure to check out the X & Y On The Fly Dating Podcast On iTunes.

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A GMRS radio is a portable device that is used for short-distance communication in the United States. The letters GMRS are an Acronym that stands for General Mobile Radio Service. The service was first introduced in the 1960s and was called Class A Citizens Radio. As technology improved, fewer and fewer people utilized the service. Finally, the service changed its name to GMRS at which time the FCC required that all people who use the system obtain a license.

In this article, we will be discussing exactly why the FCC requires people who communicate on a GMRS radio to file for a license. We are also going to briefly take you through the process and tell you what you need to do to obtain a GMRS license.

Why do you need a license?

Probably the most valid reason the FCC gives for needing a license to operate a GMRS is so that only people who really need them will apply. This allows those who use the radios to communicate on them whenever they like without being interrupted. Licensing also established public records of the people using the radio and the stations they communicate on, so others who use the spectrum can speak on different station if they are in the same area. The records are also used to identify a malfunctioning radio that is causing interference on other channels.

Licensing is also a way to make sure the GMRS applicant has chosen the right radio service for his needs. These days, a GMRS radio is no longer used to chat with your neighbors or others in your community. The radio is used almost exclusively by family members who own their own businesses and want to communicate with each other throughout the day on a free service. That is why only the family members of the licensee are allowed to use the service for personal business.

Do you really need a license?

Yes, you really do. The FCC monitors the GMRS spectrum pretty closely and if you are caught communicating over the service without a valid license, you will be fined.

How do you go about applying for a license?

Applying for a GMRS license is easier than ever. You can either file online at the Universal Licensing System (ULS), or file an FCC Form 605 that can be downloaded and printed from the website. If you are a new filer, you can learn all about the process on the ULS website.

What to expect?

The application form will not only ask you what you will be using the radio for but also which members will be utilizing the service. Your license entitles everyone in your immediate family access to the service. You can expect to pay a standard licensing fee of about eighty-five dollars. This license is valid for five years at which time it must be renewed. The standard waiting time for the issuance of a license is 4-8 weeks.

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There’s an important lesson all wealthy people understand: No one ever got rich just by saving money. Or, put another way, paying off debt is not the same as accumulating assets. I stress this because many people think they will be better off financially if they eliminate their mortgage. But this is not automatically true. Despite the fact that millions of Americans believe this to be true, does not make it true as many have been ill advised and you need to know why.

It was once rational to fear your mortgage. Mortgage-anxiety, is rooted in a harmful event referred to as a “mortgage call.” This contract provision allowed banks to call a loan due in full, at anytime, without cause and with only thirty days notice! During the Great Depression, banks called countless loans due in a desperate attempt to recapitalize. Consequently, few people could respond with the cash for the entire loan and the banks foreclosed on millions of homeowners regardless of whether or not payments were current. Fortunately, the banking industry abandoned this “Call” feature decades ago. Despite protective mechanisms in place to avoid a similar event and the passage of some seventy years, Mortgage-anxiety remains and seems to be passed on from generation to generation like tradition. My parents paid off their home in time for retirement so I must do the same is the thinking. Never mind the lack of money to live on and the loss of tax deductions to offset retirement income that is taxed as ordinary income. Does this really sound like a wise proposal to aspire to?

Today the mortgage industry has tools to create wealth like never before, the sophisticated consumer demands nothing less. There are a number of Pick-a-payment Mortgages (aka Option Arms) that create opportunity when used with confidence and purpose. This type of mortgage product allows you to choose between four payment options each month. The options are a 30-year payment, a 15-year payment, interest only or minimum monthly payment, which has a low start rate (currently 1.0 % to 4.95% depending on the homeowner’s, credit, income and other market factors). You can match your loan payments to your variable or seasonal income and begin using the saved income to create wealth. They even have 40-year payment plans but these need to be evaluated carefully as sometimes these products have been proven to be nothing more than hype with no real planning efficacy.

Options Arms use a monthly Adjustable Rate concept to determine the actual rate of interest charged. The loan is linked to one of various indexes like the Cost of Funds Index (COFI), Certificate of Deposit Index (CODI), and Cost of Savings Index (COSI) which are cost indexes and less volatile as opposed to the Monthly Treasury Average (MTA), or the London Interbank Offered Rate (LIBOR) which are market indexes and subject to the volatility of the market. A loan consultant can determine the index and program that best fits your individual financial situation. Fixed percentage points (the “Margin”) are added to the index and establishes your effective interest rate and monthly payment. It is wise to understand the recast period and note rider because using the minimum payment defers interest and principal and increases the size of the loan. Many foolish advisors are putting people on the wrong index or with the wrong bank because they don’t know enough to examine the note riders. Fortunately, I’ve had the ability to create proprietary loan products that are designed specifically for our clients that slows down the acceleration of recast. Many advisors only have what is common and on the shelf to plan with.

In looking at our clients there appears to be two types that hate mortgages: those who fear them and those who believe that mortgages cost them huge amounts of money in interest charges. We’ve already resolved the fear issue, so let me dismiss the myths surrounding the interest question.

Carrying a mortgage does not cause you to lose any money at all. In fact, just the opposite is true: carrying a mortgage can be quite profitable, while eliminating the mortgage can force you to give up profitable opportunities. If you value asset protection you’ll get the equity out of your home and place it where it is not desirable for a creditor to access it.

This second group of people, the ones who hate rather than fear mortgages, hate them because they know over the life of a 30-year loan; they will spend much more on interest than the purchase price of the house.

EXAMPLE:

Jane is going with a 30-year loan; she will spend nearly $159,000 in interest (plus $120,000 in principal) on a house that cost $120,000. You want to save money in interest, so to minimize your costs; you take all the steps to pay the mortgage off early. Then, with that issue resolved you start to focus on retirement and do your best to save regularly. As a result, you’ll fail to accumulate wealth and can’t figure out why.

The reason is simple but not often clear. By tackling the mortgage issue first and your retirement goals second; you fail to consider the role that a mortgage plays in building wealth. You won the battle to reduce interest but the wealth accumulation war is lost.

Here’s why!

You know that by reducing the mortgage payment, or even paying off the mortgage completely, you save lots of money in interest charges. While that is correct, you are ignoring another, equally critical fact: Every extra dollar you give the bank on principal, is a dollar you did not invest.

This is a critical point. Mortgages today cost 7.5% to 8.5% (depends on credit score). Over the next 30 years, on an average annual basis, can investments earn at least that much? Absolutely. Even long-term government bonds pay nearly that amount, and non-speculative stocks have been averaging 11.2% since 1926, with the exception of a few recent years. But giving your money to the bank to avoid a 7% to 8% simple interest charge denies yourself the opportunity to invest that money where it might earn 9 to 10% tax deferred at compound interest. Therefore, by looking at individual trees, you fail to see the forest because simple interest and compound interest carry very different results over time.

EXAMPLE:

Rob has a low rate $132,000 first mortgage on his home that is worth $285,000 dollars. Since Rob works with a professional advisor, he decided to get a home equity line (HELOC) for $70,000 at 5% and invest it through his advisor in a tax advantaged savings account with a guaranteed product that has consistently produced at least a 8% growth annually and has principal protection. The $70,000 investment with an 8%+ override will make a significant contribution to Rob’s retirement, especially once compound interest kicks in. Even if your borrowed mortgage money is 8%, you’ll win every time if you understand the economics.

The irony is that some people feel they are making a good “investment” by paying off their home loan. You need to remember that your home will grow in value over the next 30 years (national average is over 6% per year), whether you have a mortgage or not.

Think about it. When you sell your house, does any buyer care what your mortgage balance is? Of course not. Neither does the IRS when you calculate your taxable gain or loss. The simple truth is that mortgages do not affect home values.

Therefore, you have a choice. You can pay cash to buy a $200,000 house, enabling you to own it outright, or you can buy that house with 20% down. Let’s explore each of these scenarios and see which is better at helping you achieve your true goal of accumulating wealth.

Tale of Two Sisters – Julia and Jean.

Julia just received $200,000 from the sale of her prior house. Or maybe she exercised some stock options, or got an inheritance, or received an insurance settlement. It doesn’t matter where the money came from. The point is, she has money and wants to buy a new home which costs $200,000. Julia decides to pay cash for the house. This takes all her cash, but it lets her avoid mortgage payments. In 30 years, her house will be worth $600,000, assuming it grows at the rate of only 3.5% per year. Pretty smart, she figures.

However, Jean takes a different approach. Jean too has $200,000 in cash and she also wants to buy a $200,000 house, But Jean puts down only 20%, or $40,000, obtaining a $160,000 mortgage. The monthly payment could be as low as $587.00 $1,064, but it really costs Jean less than that because the mortgage interest is tax-deductible (something Julia failed to consider), and the tax savings reduce her monthly mortgage bill by $240, making her net payment just $824 per month. Alternatively, Jean could choose to make a minimum payment of $587.40.

To help make those monthly payments Jean invests the remaining $160,000 she didn’t give the bank, and earns 10% per year on her money. Yes, she has to pay taxes on those profits and she does – but at the 20% long-term capital gains rate, not the 28% ordinary income tax rate.

Thus, Jean earns a monthly after-tax return of $1,067. After paying for the loan, she’s got $243 per month left over, which she reinvests. After 30 years, Jean (like Julia) has a house worth $600,000 (and, like Julia, it’s fully paid for by then). And that’s not all. Jean also still has her original $160,000 as well as another $550,000 from investing $243 per month over 30 years. So, while Julia has a home worth $600,000, Jean has a similar home plus $710,000 in cash from investments.

Julia figured that getting a mortgage was one thing and tax preparation another – so she failed to consider both issues simultaneously to her detriment. This fact saved Jean another 8% because she paid taxes at the 20% rate while Julia paid her taxes at the 28% rate!

Julia wanted to avoid the expenses of a mortgage. Jean wanted to accumulate wealth – and if doing so meant carrying a mortgage, Jean was willing to do it. The result? Jean’s net worth is $1,310,000–more than twice as much as Julia’s!

So don’t fret about all the interest. Focus instead on investing and all the money you’re able to earn as a result of not giving all your money to the bank. But if this monthly payment is still bothering you, let’s do some time traveling. You’ll see how much FUN it is to carry a mortgage. In 1970, homes cost an average of $23,400 and 30-year fixed-rate mortgage was 6%. The monthly payment, assuming no money down: $140.

Also, remember that the average monthly income back then was just $646. In other words, that $140 mortgage was as challenging to people then as your $1,000, payment is to you now. And in 20 years, you’ll be teasing your kids about your “low” payment because incomes and housing prices will be much higher – just as today’s wages and prices are much higher than those in 1970!

It’s also very important to remember that mortgage payments get cheaper over time (even though they never actually change), because the payment amounts are fixed while your income grows. So don’t worry about your big payment. It won’t seem big forever.

For all these reasons, the 30-year mortgage is better than one that you pay off in just 15 years (or a 40 year could be better than a 30 year). It also explains why bi¬weekly mortgage plans are not great ideas unless you insist on paying the mortgage early! You see, the more you pay in principal and the quicker you pay off your loan, the less you have to invest. If you don’t know how long you’re going to be in the property and have an eye on moving up, you should use a tool that allows you to make a minimum payment.

NOTE: Some readers will be skeptical of this example. They will claim that Julia can invest $824 per month more than Jean, because Jean is making a mortgage payment that Julia has avoided, and that this advantage will enable Julia to accumulate more money than Jean over 30 years. Sorry, but that’s not true. Even though Julia can invest $824 per month, Jean gets to invest $160,000 right now. And the results: By investing $824 per month at 10% per year for 30 years, Julia would have $1.86 million. But by investing $160,000 today for the next 30 years, also at 10% per year, Jean will have $3.17 million – far more than Julia will. No matter how you handle it, carrying a mortgage enables you to produce greater wealth.

So, Lets Review…

1) You get no tax break when paying the bank principal. You save on taxes only when you pay interest or if using a minimum payment with a Pick-a-Payment mortgage, the imputed interest.

2) Money you invest is taxed at a lower rate than your savings from tax-deductible interest. Therefore, you want to maximize your interest payment while minimizing your principal payment.

3) Money you give to the bank is money you’ll never see again–unless you refinance. If you think this notion is evident, thousands of consumers report that the reason they’re hurrying to pay off their mortgages is so they’ll be able to borrow against the equity later to pay their kids’ college tuition. Talk about a wacky strategy! These folks are struggling to give the bank all their money now merely so they can borrow it in the future! They should be investing their cash to earn competitive returns, eliminate inclusion by financial aid at the college (certain assets are outside the inclusion formulas) that remains available for use whenever needed?

4) You don’t earn any interest on your equity and when you need it, it might not be available to you. If you ever suffer a job loss, major medical, home destruction (Katrina) or other financial crisis, you could find yourself unable to get a home loan. That’s because lenders don’t like to lend money if you are in financial difficulty. It is really more conservative to get a big mortgage now, before you need it – while you still can.

5) The best way to achieve a “free & clear” title, if you really want it, is by mortgaging your home to the maximum allowable by your income. Increasing the loan, investing the equity and then accumulating enough to pay off the debt is possibly the quickest method to eliminate a mortgage. Modest assumptions show it to be much faster than a 15-year mortgage that sends more money to the bank.

6) Mortgages don’t lower home values. Your house will grow in value (or not) whether or not you have a mortgage. In fact, most people discover that, over time, their mortgage balance falls while their home value rises – creating substantial wealth they never expected.

7) Your mortgage is the cheapest money you’ll ever buy. Most people need to borrow money during their lives, so why pay 22% to credit cards when you can borrow at rates of 8% or even less? Using this money for investments, not speculation like the stock market will allow you to arbitrage these dollars. When you consider what an effective interest rate is and place that side-by-side with compound interest, you can win every time even if you only earn less on the money than you pay for it initially. In other words, the simple interest on the lending side will be defeated by the compound interest on the investing side over time.

If nothing else convinces you, consider this: my clients are among the most financially successful Americans. They carry a mortgage confidently and with purpose. If you want to build wealth like they do, it’s time you start managing your money the way they do. Starting with your mortgage.

The Critical Component!

You can see the path – but how do you get there? It’s available, but it takes SELF -DISCIPLINE and a financial strategy, plus high-quality investment advice.

“The Best Rate on the Wrong Strategy Can Cost As Much Money as a Bad Rate”

If you don’t have an asset protection and financial strategy using your mortgage, we invite you to contact Legal Wealth Conduit and start strategically planning your future and your retirement.

James Burns

Attorney at Law

Legal Wealth Conduit

“Private Client Services”

18662 MacArthur Blvd.,

2nd Floor

Irvine, CA. 92612

www.houseofdollars.com

PH: (949) 440-3243

Fax: (714) 464-4448

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