Having A Baby!

Hi guys, Hey, let's talk about having a baby.

Well, if you saw having a baby on this title

as me and find that I was gonna have a

baby, at least not right now, I don't know about

that. So, sorry, get your hopes up.

If you were anticipating and hoping that David was going

to have a baby with Denise and I are going

to have a another boy or girl.

So who knows, twins.

And God plays very interesting circumstances.

But um, no, we're not having a baby.

But I want to talk about this topic.

It was a very big topic because it happens a

lot in our lives that We have a new additions

to our families.

And so we really want to talk about this idea

of what to consider, you know what happened.

So, um, let me tell you about my story.

So, in 2017, early 2017, Denise and I, um, we're

blessed to know that we were about to have a

baby. We didn't know at the time, you know Uh

what what gender the baby was.

But we were really excited.

And of course in 2017 Alliance came.

So those of you who know our son by all

means, you know he is not only just cute uh

is acute ample, let's just be honest.

Um but it's been three years goodness almost four years

now um since he came to this world.

But I will tell you that there is nothing more

enjoyable than being a parent.

I would say I cannot emphasize enough that it's just

such a beautiful gift that I encourage you know whoever

is having Children in the future.

This is a really enjoyable experience for the most part

and I mean super sides of course and things of

that nature.

But you know the question you have to ask is

this is that what do you do and how do

you plan to have a child?

So here's my thought.

I want to give you this information with this thought

is that you've got to think about whether to go

here or there and in particular, you really need to

consider the idea of our mega to rent or am

I going to consider buying a home?

And my encouragement of course is, hey, think about buying

a home.

Of course I know I'm in the industry of selling

home or helping finance homes, but with everything mentioned, there's

a really good reason why.

And let me show you so as you can think

of your home can be really your penny big piggy

bank. Um, and that is something I really want to

encourage you to consider is that with every investment you

have the opportunity to really gain some leverage here for

your future before your family's future.

And so with that mentioned, let me show you why

I think it's an important investment to consider buying a

home if you can and here are the numbers.

So as you know, I think numbers really help everyone

understand into uh, the insights of things.

So let's go and talk about this now.

As you can imagine, you're probably starting family, thinking about

having a child or you just recently got married or

whatever may be the case.

And of course I'm giving you numbers that are Um,

not relative completely with California because I know where a

lot of individuals here in California, but imagine the average

cost of a home is $380,000, whether you live in

a different state or whatever may be the case.

This is actually technically a reasonable amount, $380,000 across the

board. You know, nationwide.

So imagine you are paying $2400 on average for rent.

As you can see, $2400 is normally uh you know,

could be a rental for a home or even sometimes

apartments I hate doesn't break it to some of you

who like to live in the nicer beach areas at

times or whatever.

The more affluent areas That can be seen rent go

up to 3000 just for apartments.

And if you're thinking New York and you're living like

high end, you know, Hawaii in New York or California,

3000 is not unreasonable for rent.

But let's go back to the topic that is a

$308,000 home.

In fact, when I bought my home it was $380,000.

Mind you, that was about 2017, right.

When I got this and this is the reason why

I decided to purchase a home is because I knew

that in length time or long term the investment that

I would actually have something of a nesting in essence.

Well, the thing about buying your home is that your

payment is really stable throughout the time.

Longevity of it all.

If you can imagine right now, the estimate cost of

just putting 3.5% down.

Um you know, taxes, insurance and even saving a little

bit for maintenance and repairs every month.

It's roughly about 23 65.

Now, if you're paying 2400, you can imagine 23 65

is not a lot of savings, but it truly is

because every single year it is possible for your landlord

to increase the rent and on average is about 2.3%

increase. So after a course of five years, Your rental

is going to be about 26 29 a month.

But guess what?

A mortgage is pretty stable And that means that you're

going to have a 23 30 65.

But guess what happens?

Also traditionally in five years from now your pay increases,

you have more money overall and in fact you build

equity. I will tell you.

The beautiful thing about this scenario assists is that when

I bought my home in 2017, that's only roughly four

years from the animal, roughly four years.

Um The home next door sold for 515,000 and we

have very similar homes my home in that home next

door. So I will tell you for buying some that

380,000 and gaining a home that has the equity of

515 roughly.

Maybe let's just say 500 for kicks and giggles.

I've gained over $100,000 in equity in the matter of

four, less than four years.

That's $25,000 on average in my pocket.

Now, if you are thinking about investing in your family

in your future, what other investment will provide you that

opportunity to gain $25,000 extra dollars on average?

And again these very but giving you that opportunity to

gain that much leverage and you paying yourself instead of

getting paying somebody else to be rich.

This is why I encourage you to consider contacting me

because I can help you change your future.

Thank you again.

Feel free to give me a call because I just

don't finance homes.

I do change lives, enjoy the rest of your day.

Having A Baby!

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