ONE COMMON MISCONCEPTION I wish to address in this article is that when the Federal Reserve Board raises Rates, Mortgage Interest Rates correspondingly go up.

This is a Myth and is simply NOT TRUE.

When the Federal Reserve raises Rates, they are raising the Federal Funds Rate; the Interest Rate on overnight loans between Banks.

The Federal Funds Rate is NOT TIED to Mortgage Interest Rates. More important is, the commentary of the Federal Reserve and the Market perception of their stance on the Economy.

FOR THAT REASON, the Mortgage world watches closely when Ben Bernanke speaks or when the FOMC Minutes or other Commentary from their meetings are released.

Therefore, Interest Rates Are Relative. A lot of PEOPLE get concerned when Interest Rates go UP however Interest Rates Are Relative.

All the more reason that it is in your best interest to separate Equity from your Home regardless of the Real Estate environment?

• Over 30 years, Interest Rates Are Relative.

• When Interest Rates are HIGH, they are High for earning; when they are LOW, they are Low for earning.

• Regardless of Interest Rates, using Tax-free Equity and putting it in Compounded Earning Investments puts that differential to work for you.

• Separating Equity gives you LIQUIDITY in case of disaster.

• Separating Equity secures Equity even if Home values go down.

• Executing proper Equity Management using Maximum Tax Advantage Insurance Contracts allows you to participate in Stocks, Bonds and Real Estate while protecting Principle.

• Baby Boomers, in particular, need to be able to turn some of the lazy Equity in their Homes into sources for Retirement Income.

There is no need to be panicking based on daily headlines. It is their job to sell papers.

My job is to help families identify their stewardship responsibility to true Wealth. By combining a rich educational background and practical insight gained from business development, Financial and Estate Planning, and Advanced Business and Tax Planning Professionals.