Gregory Englesbe knows from experience that most people find insurance to be a really boring topic. They associate it with death, accidents, and disease instead of viewing it as a part of personal finance. This is why people tend to avoid reviews of their policies and purchases of insurance products.
Insurance should be an important part of your financial plan. Lack of money is the last thing you want to deal with in case of an emergency such as illness, disability, flood, or fire.
Insurance is one of the most misunderstood parts of personal financial planning. Studies show that over ninety percent of Americans buy and carry wrong amounts and kinds of coverages. The language of insurance policies and sales people are often confusing and overwhelming, which leads to people making wrong decisions about what they buy.
The main principle behind smart insurance purchases is that you should protect yourself against big problems, not against little bumps in everyday life. Hardly anyone needs a policy that would reimburse the cost of a restaurant meal in case of a food poisoning.
Insurance spreads the risks over millions of people. This is the reason why it works. You probably couldn’t afford to pay out-of-pocket to rebuild your home if it were to burn down, which is why insurance is a smart choice when it comes to the protection of your home. The premiums that many homeowners pay collectively can easily cover the expenses.
Your most valuable assets most likely include your ability to make money in the future, your health, and your biggest assets, such as your home. You can get insurance for each of these potential pitfalls and be protected in case of a catastrophe, which is something that experts like Mr. Gregory Englesbe absolutely recommend doing.
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Gregory Englesbe knows from his experience that to choose a mortgage wisely, you should think about it as a financial tool, not as debt. Your first decision when it comes to a mortgage usually has to do with choosing between a fifteen-year mortgage and a thirty-year one. There are also mortgages for ten, twenty, and even forty years, but the decision process is the same.
Your qualifications are the main consideration in this matter. If you can’t afford payments on a fifteen-year mortgage, then you shouldn’t even be considering it. If you can afford the payments on a fifteen-year loan, you need to decide on what is more important for you: a smaller monthly payment or your ability to build wealth. Those who want smaller payments are usually thinking about the present. People that are looking to build wealth tend to be concerned more with the future.
Let’s consider a $100,000 loan. The payment on a thirty-year loan for this amount at seven percent would be $665. The same amount of money as a fifteen-year loan will probably have an interest rate of around 6.75% and a payment of $885. If you are looking to have a smaller monthly payment, you’ll be paying $220 less a month with the thirty-year option.
However, five years after you start paying off the mortgage, you would have repaid $22,933 on the fifteen-year loan and only $5,868 on the thirty-year loan. This means that if you are looking to build wealth, the first option would save you $17,065 in mortgage payments to a company similar to the one that Mr. Gregory Englesbe operates.
Gregory Englesbe is a responsible executive in the mortgage industry. He went to school in New Jersey and obtained his degree from Rider University. He started his career the same year he graduated from school. He worked as a regional sales manager and Vice President before becoming Chief Executive Officer for a local mortgage company in 1994, the position that he held until 2002.
Even if you borrow money from an expert like Gregory Englesbe, it is important to understand how rate products work. Adjustable rates change during the lifespan of a mortgage because of the terms. There are two parts in the life of an adjustable-rate mortgage. During the first part, the rate remains fixed and the mortgage behaves like a fixed-rate mortgage. During the second part, the rate changes periodically. These periods may or may not be equal in length to the initial fixed-rate period. For example, an adjustable rate mortgage with an initial rate period of three years may start adjusting annually after the three year period ends. The initial fixed rate and the description of the following adjustments are contained in what’s known as the ARM Disclosure. Make sure you study the document before you accept the terms of your ARM.
The type of mortgage that is right for you depends on your situation. If you are happy with the fixed-term rate that you can get and you plan on living in the home for at least several years, go with a fixed-term mortgage. If you don’t plan on staying in the home for a long time or anticipate changes in your financial situation, an ARM may be the way to go. If you need a consultation, contact a professional like Gregory Englesbe to discuss your options.
Gregory Englesbe is a native of Cherry Hill, New Jersey, where he now resides with his family. His company, E Mortgage Management LLC, was founded in 2003 in the nearby Mount Laurel. He has worked hard to ensure his company is successful and to continue to develop his vision for the future of the business. His job is rewarding when he works with families and individuals who are able to satisfy their mortgage issues thanks to his company. He enjoys working with people, but at times he needs to unwind and manage the stress by taking a day off at home.
Being the CEO and founder of a mortgage banking company is no small achievement, as the field of companies is fiercely competitive. He managed to start a company based on his extensive experience and knowledge of the industry, but it would be difficult to run a successful mortgage banking company without this experience. Key business advice for founding a company is to stick to what you know and are passionate about, as this will naturally lead to a strong business sense in this area.
Gregory Englesbe achieved a challenging task by establishing his own company in 2003, and the thriving company is proof of the knowledge and experience he brought to the company from his experiences with similar jobs. While he likes his job, his favorite past-time is to relax and do fun activities with his family, as they are his first priority.
Gregory Englesbe is the CEO of E Mortgage Management, based in Mount Laurel, New Jersey. He lives in Cherry Hill with his family, who are very important to him. He has worked hard throughout his life to attain business success and enjoys the feeling of helping people with his very own company. Mortgage management involves helping people avoid stress, consolidate debts and even refinance their mortgage. Often, this can improve their situation in life and they walk away much more confident in their finances than when they started.
As a family man, he finds it especially rewarding to help other families resolve their difficult mortgage problems. With years of experience in the field of mortgage banking, his company is a way of being able to share his expertise on the subject with others. The success of his company is down to the tried and true business model he utilizes, as well as the management skills he developed after years of experience in senior mortgage banking positions.
Gregory Englesbe has been involved with mortgage banking companies since he graduating, so he knows the business inside out. This extensive knowledge is reflected in the success of his business and the satisfied clients it produces. Managing a business can be difficult, but as CEO he is always focused on the big picture. When making tough decisions, he knows that he is taking steps for the right reasons. His business sense and convictions make him a fair and even-handed CEO.
Gregory Englesbe is the CEO and founder of E Mortgage Management LLC, a mortgage banking company based in Mount Laurel, New Jersey. He started the company on a basis of many years in the industry and experience managing similar companies, and the tried and true business model has paid off in a successful company. In his spare time, he likes to go home to Cherry Hill and spend time with his family, who help him to relax and enjoy other aspects of life. Work is just a part of life for him, albeit one that he has been particularly successful in.
Mortgage banking is something that he enjoys because of the satisfied customers. Helping someone to better manage their mortgage can have huge benefits in other areas of life, and he is glad that his company provides such a service. Being a family man, he can relate to his customers wanting to get the best out of their property in order to support their family. The services provided by his mortgage banking company go towards families and individuals who want help with their mortgages.
Gregory Englesbe enjoys working at his job as CEO of a mortgage management firm. Families and individual can walk away from his company knowing that they are in a better place with their mortgage than before, and this rewarding nature of the work is satisfying for a businessman. While he loves his work, his family is his first priority and helps him to stay motivated in his job.
Gregory Englesbe is the CEO and founder of a mortgage banking company, E Mortgage Management LLC. He believes that he would not be where he is today without the help and support of his family. They are his most important priority, even when he is at work, and they motivate him to succeed. Spending time with family is his favorite hobby, and the mental health benefits of having this time to unwind speak for themselves. Coming home to Cherry Hill, New Jersey, after a hard day at work and forgetting about business problems is a great way for him to relax.
Working as a CEO can be stressful, as it means constantly dealing with people and making tough decisions which often dictate the fate of the company. Handling this stress becomes difficult when priorities are unclear or work begins to take over. Spending time with family every day and taking a break from work is hugely important in this age where our phones remind us of our work commitments constantly. De-stressing by disconnecting and relaxing is important for life balance as well as mental health for those in high stress positions.
Gregory Englesbe is thankful for the support he receives every day from his family and friends. The support network around him is helpful whenever work becomes stressful, as he is able to go home and unwind. Maintaining this support network in spare time is integral to stress management for those involved in business.
Gregory Englesbe is a successful businessman based in Cherry Hill, New Jersey. He built his business, E Mortgage Management, LLC from the knowledge and experience he developed during a long and productive career as a mortgage lender. Englesbe has used his success as the head of E Mortgage Management, LLC to bolster his community in South Jersey and support his family’s growth and continued health. Here are three personal attributes no successful business owner can be successful without:
Gregory Englesbe has formed positive relationships with many community leaders in South Jersey.
Englesbe is the CEO of E Mortgage Management, LLC, which helps families across the nation understand mortgages options available that best suit their needs. Here are three ways he has suggested to clients in the past to save money faster and better:
Make saving money routine. Gregory Englesbe found that his clients were able to save more money more quickly if they always put a portion of their paychecks into a savings or investment account every time they get paid. This way, saving money becomes a routine that you can practice with regularity.
Budget more frequently. Instead of sticking with the budget you created when you worked at your old job, adjust your budget to new sources of income and new purchases you anticipating in the future. If you need to save a little more, budget a little more so that you can set aside more money to make your purchase a reality.
Get help with investing. Gregory Englesbe is no longer an investor or investing advisor, so this isn’t a plug for his services. It never helps to spend a little money to get help investing your money. It’s always worth it to get another opinion at the very least on how you invest your money for the future.