Cool Book Of The Day

Pitch reporters with our up-to-date media databases:

Question: Who is the intended audience?
Answer: Everyone! Seriously, Mortgages: What You Need to Know is a roadmap for anyone that has a mortgage or wants to get a mortgage and have better control of their financial future. The main theme is to educate the reader about the best way to get a mortgage and what questions to ask the mortgage person they are dealing with. In fact many mortgage companies, accountants and financial planners are using Mortgages: What You Need to Know to better educate their professional staff so they can offer more value to their clients. This book teaches how to prepare to get a better mortgage; how to choose the right mortgage; the importance of an annual mortgage review to ensure optimization of cash flow; and how to protect against identity theft.

Q: What is the book about?
A: Slowing down and understanding the strategies that go into getting a mortgage. A mortgage is the most important financial decision (and usually the biggest) that most people will ever make. Most make this decision in a couple of minutes over the phone or worse over the internet.

The type of mortgage you choose will have a direct impact on when you can retire and with how much. Whether you are contemplating buying your first house, a seasoned real estate investor or a financial professional, this book will provide you with knowledge that you can start to use right away.

We do not advocate following what the mass media and big banks preach or the latest trend. Every individual has their own unique situation and your mortgage plan must be tied to both your short and long term financial goals.

Most people spend more time planning their family vacation than their financial future. What they are really saying is that they don’t want to learn anything new. Or, they are financially embarrassed about where they are today so the less they talk about it the better they will feel. This is why 90% of Americans today will not be able to fully retire. This is why the average 45-year-old only has $27,000 set aside in retirement accounts. This is why we as a country have a negative savings rate. The strategies discussed in this book can help improve these statistics.

Q: Why are you the best person to write this book?
A: This book is a culmination of a fifteen year study drawing on real life examples from my ten years as a real estate attorney and five years as a mortgage planner. My conclusion: although people have a mortgage, most (including the financial services community) don’t know much about it and what they do “know” is often misplaced. The findings from our real life study show that had most people implemented the strategies discussed in Mortgages: What You Need to Know they would have saved thousands of dollars which could have been re-directed towards long term financial goals. In fact many people caught up in the mortgage and real estate crises today would have been protected if they had a basic knowledge of mortgages and learned how to Take ControlSM of their finances.

Q: How is this book different from other books on this topic?
A: Most people follow what the mass media and industry norm prescribes without slowing down and seeing how the “advice to the masses” impacts their financial lives both short and long term. Mortgages: What You Need to Know questions the traditional thought process of the type of mortgage you should have. More importantly we break down each part of the mortgage process beginning months before you actually apply for a mortgage. We provide the reader with questions to better arm them to speak with a qualified mortgage planner as well as forms to use for their annual review. Yes we advocate that every individual review their mortgage on its anniversary. Let’s face it, Life happens! Circumstances can and do change each year. One spouse may have stopped working or went back to work. You may have gotten injured or possibly laid off and ran up some debt. Credit scores may have improved opening up better programs that might not have been previously available. Maybe you want to make improvements to your home? You have to pay for college? A Mortgage Check-Up (form provided) can also help prevent identity theft through a credit check. Chapter Sixteen details why this is so important and how to benefit.

Q: Is there anything else we should know about this book?
A: Each of the seventeen chapters contains useful hints, resources and forms that the reader can immediately implement on their own. We also supply many of these for free on our web site. No selling, just information to empower the reader to Take ControlSM and make Life Happen! You can stay up to date by visiting my blog at www.davemuti.com or www.pocketguidepress.com to find out where I will be appearing. Dave Muti, JD, RMA and author of Mortgages: What You Need to Know.

More information can be found at http://www.mortgageswhatyouneedtoknow.com/index.html

Pitch reporters with our up-to-date media databases:

Question: Who is the intended audience?
Answer: Property owners, home owners, and anyone interested in learning the well-kept secrets of property insurance claims, which can save people millions of dollars.

The book works for all types of claims, all over the country. Anyone that owns and insures property would benefit from the book, whether or not they have ever had a claim.

Q: What is the book about?
A: In the book I expose the ways property insurance companies delay, deny or deflect their claim handling responsibilities to reduce payouts and maximize profits. I explain what they do, why and how they do it, and what the reader can do to level the playing field. I do this using actual cases and experiences, and I provide tips anyone can use.

Q: Why are you the best person to write this book?
A: I have a Bachelor of Science degree in Insurance, and over 20 years experience handling insurance claims all over the country. I am a former insurance industry ‘insider’. For decades, I worked for one of the largest insurance companies in the nation. Now I work as a consumer advocate (public adjuster), averaging 400% more than initial insurance company offers, totaling millions of additional dollars for my clients that would otherwise go unpaid.

Q: How is this book different from other books on this topic?
A: There are very few books of this kind on the market at all, and I know of none written by a former ‘insider’ with my years of experience. I give first-hand details from my time and experience as a company adjuster, and as a public adjuster. It is this unique combination of background and experience level that sets me and this book apart. Also, while insurance is generally considered a dry, technical or boring topic, UNCOVERED is written in a way that is fast-paced, light, and even humorous in the face of disaster and frustration.

Q: Is there anything else we should know about this book?
A: Written in a simple format and using real-life examples of actual claims, the book is easy to read, but packs a surprising punch. Many people suspect insurance companies are not their best friends. But this book goes deep to explain what really happens when you file a claim – and its not pretty. We constantly see images of catastrophic weather events and other disasters taking place all across the country, but we rarely get even a glimpse of what happens next – the man-made disasters that always follow the natural disasters. Not only do I expose the industry, but I lead the reader through the process, step-by-step, as if I am sitting right next to them.