Sunday, April 19, 2015

Create Wealth and Save Lives at the same time

My wife Dianne happens to be the chairperson of the Berkshire-Hathaway Home Services Charitable Foundation in Southern California. A real estate agent recently brought to her attention a charity that I am fully behind. It is

This charity takes dogs from high kill shelters and trains them to be service dogs for soldiers that return from war with Post Traumatic Stress Disorder (PTSD) and/or Traumatic Brain Injury (TBI).

100% of the profits from an investment in any of the Wealth On Any Income products, programs, or my coaching are used to benefit Shelter to Soldier™; a 501c3 non-profit organization

Every 63 minutes a U.S. Veteran commits suicide. That is an average of 23 precious lives every single day. And every 11 seconds, an animal is euthanized in the United States.

Your investment in any Wealth On Any Income program creates the donations that can change these statistics. You will be supporting a program that provides services for our troops at home and helps to save our 4-legged angels who have no voice.
These dogs are saving the lives of the people who protect our freedoms. For more information on this charity you can go to

You can learn how to create wealth and at the same time support war veterans and rescue dogs that might otherwise die.

I do not yet have all of my products, programs and coaching information loaded on my website, but you can see a couple of items at 


Credit Unions for Home Loans

Based on a recent article in the Los Angeles Times, it appears credit unions have been coming into the home lending business for several years, and they are competing well against the big banks like Wells Fargo and Chase. And membership in the credit unions is not limited to the small groups of the past.

As an example, the Navy Federal credit union, which is the nation's  largest, in March 2015 closed over $1 billion in home loans. And membership is not limited to navy personnel. It is open to all military branches, both active and retired military, civilian employees, contractors and all sorts of family members. Even partners who are living together and are unmarried can be eligible.

And they offer low down payment programs of the FHA (3.5% minimum), zero-down payments, and no private mortgage insurance premiums. You might think this would lead to higher loan loss ratios, but it does not. The overall serious delinquency rate as of March was less than one percent (.57%). They have been following the guidelines of the "ability to repay" years ahead of the requirements congress enacted.

While the maximums might not fit houses in large metro areas of CA or NY at $650,000, it would still be a fit for most areas in the United States. The next time you go shopping for a home loan, check out credit unions and see if you qualify to be a member.