Underwater Mortgage Calculator – KnowEquity When #arbor #mortgage


#underwater mortgage

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Underwater Mortgage Calculator – KnowEquity When

When will my home and mortgage no longer be underwater?

If you’re underwater in your mortgage, you’re not alone. Millions of homeowners are in the same boat. Even if you are eligible for refinancing under the HARP 2.0 program, you’ll still be underwater for some time.

The question, then, is: “When will I finally be above water again?”

Getting your mortgage back above water depends upon three things: the continued payment of your mortgage (amortization), how quickly home prices recover in your area (appreciation), and any additional mortgage payments you might make along the way (prepayment).

It is the intersection of these three factors that will tell you the exact date. Stronger home price appreciation or greater prepayments will speed up the time, while regular amortization will take the longest.

Use the calculator to plug in your own scenario to see exactly when you’ll be back in the black.

Note: If you have a specific date in mind when you want or need to be back above water, you should check out KnowEquity How. where we’ll tell you how much amortization, appreciation and prepayment you’ll need to get to your goal, including the full recovery of your home’s original value

Related Calculators

Copyright 2016 HSH Associates, Financial Publishers – HSH.com


When can I get a mortgage after bankruptcy? #mortgage #amortization #calculators


#mortgage after bankruptcy

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When can I get a mortgage after bankruptcy?

If you have just filed bankruptcy, you will not be barred from ever obtaining a mortgage loan; however, you will not be able to get one immediately. When you can get a mortgage after bankruptcy will depend upon the type of loan you want, the type of bankruptcy you filed, and how good your credit is at the time you want the loan.

Here are the details:

FHA Loans and VA Loans

To obtain an FHA loan or a VA loan after a Chapter 7 bankruptcy, you must wait two years from the date your Chapter 7 is discharged. You can obtain an FHA loan during a Chapter 13 bankruptcy as long as you have made 12 months of satisfactory Chapter 13 plan payments, but you must have bankruptcy court approval to get the loan. In the case of either an FHA loan or a VA loan, you must provide an explanation of the bankruptcy.

USDA Loans

If you want a USDA loan, you must wait three years from the date of a Chapter 7 discharge or after 12 months of making Chapter 13 plan payments, with court approval, or at least one year after the Chapter 13 is discharged.

Conventional Loans

Conventional loans have the longest waiting periods. If you want a conventional loan, you must wait four years after receiving a Chapter 7 discharge and two years after receiving a Chapter 13 discharge. If your Chapter 13 case was dismissed without a discharge, you must wait four years from the date of the dismissal.

Meeting Other Loan Criteria

Once these time periods pass, you will then be able to qualify for a mortgage loan — but you must still meet all the typical qualifications for obtaining a mortgage loan. You must be creditworthy, and you must be able to prove that you have a sufficient and reliable source of income. To learn more about rebuilding your credit after bankruptcy, see our Your Credit Bankruptcy area.


When Can I Get a Mortgage After Short Sale? #best #home #mortgage #lenders


#can i get a home loan

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When Can I Get a Mortgage After Short Sale?

If you have lost your home through a short sale and want to get another mortgage loan, you may be wondering how long you’ll have to wait. Your credit will take a hit after a short sale, although possibly not as much as it would if you had lost your home through foreclosure. Nevertheless, a short sale will likely prevent you from getting another mortgage right away. The amount of time you must wait before applying for a new mortgage loan depends on the type of lender and your financial circumstances. Read on to learn more.

(For more articles on rebuilding credit after foreclosure, visit our Improving Credit After Foreclosure and Bankruptcy topic area.)

Getting an FHA Loan After a Short Sale

The amount of time you must wait to obtain a new FHA mortgage varies, depending on your credit history and the reasons for the short sale.

No Waiting Period

You may not have to wait to apply for a FHA-insured mortgage loan following the short sale if:

you were not in default on the prior mortgage at the time of the short sale, and

you made all of your old mortgage and other installment debt payments on time for at least 12 months leading up to the short sale.

Three Year Waiting Period

If you were in default on the old mortgage loan at the time of the short sale, then you must wait at least three years before applying for another FHA loan. The three-year waiting period starts to run from:

the date of the short sale, or

if the prior mortgage was also an FHA-insured loan, from the date that FHA paid the claim on the short sale.

Exceptions to the Three Year Waiting Period

You may be able to qualify sooner than three years if you can show that extenuating circumstances caused the mortgage default. Extenuating circumstances might include:

serious illness or death in the family, usually involving a primary wage earner

divorce (in limited situations), or

You must also show that you had good credit prior to the event that caused you to default on the old mortgage. That means you should make all of your debt payments on time following the short sale.

When You Will Not Be Eligible for a New FHA Loan

Notwithstanding whether or not you defaulted on the old mortgage loan, you are not eligible for a new FHA loan if you were using the short sale simply to take advantage of cheaper housing prices. That means you cannot use the short sale as a way to get rid your old house in a declining housing market and buy a comparable house for a lower price.

Getting an Fannie Mae/Freddie Mac Loan After Short Sale

Waiting periods for a Fannie Mae or Freddie Mac mortgage loan following a short sale vary, depending on the circumstances. It depends in large part on how much money you are able to put down as a down payment. Your waiting period will be:

two years, if the maximum loan-to-value (LTV) ratio of the loan is 80%

four years, if the maximum LTV is 90%

In other words, you’ll have to make a 20% down payment to wait two years, 10% down payment to wait four years, or the minimum down payment if you wait seven years.

Exceptions to the Normal Waiting Periods

You may be able to shorten the waiting period to two years for a Fannie or Freddie loan if you can also meet the following requirements:

prove in writing that the short sale was the result of extenuating circumstances, and

the maximum loan-to-value (LTV) ratio of the new mortgage is 90%.

Also, the seven-year waiting period only applies to conventional loans that are sold to Fannie Mae or Freddie Mac. This rule does not apply to Fannie or Freddie loans that are FHA-insured.

Conventional, Private Lenders

For most other types of lenders, the waiting periods can vary. Most lenders tend to follow Fannie Mae’s guidelines for post-short sale mortgages. Other lenders may shorten the post-short sale waiting period, provided that you make a larger down payment (sometimes 25% or more) and agree to a higher interest rate. You will also need to have good credit.

Your FICO Score

Notwithstanding the waiting periods, for each type of lender, you must still establish good credit following the short sale. That means your FICO score must meet the lender’s minimal requirements to qualify for a post-short sale mortgage loan. Alternatively, while you may be able to obtain a new mortgage with a low FICO score, you may have to make a larger down payment or pay a higher interest rate.

Short sales can damage FICO scores. And the higher your credit score, the bigger the FICO drop with a short sale. You may fare slightly better if the short sale resulted in no deficiency (meaning you sold the house for more than what you owed on the mortgage loan) than if the short sale did result in a deficiency. To learn more see, FICO Provides Insight Into the Impact of Foreclosure, Bankruptcy, and Short-Sale on Your FICO Score .

To re-establish good credit and boost your FICO score, you should:

always pay your bills on time

keep your credit account balances low

monitor your credit report for errors and inaccuracies, and

maintain a small number of credit accounts.

Monitor and Correct Your Credit Report

It is essential that you review your credit report immediately if you anticipate applying for a new mortgage following a short sale. That is because short sales are frequently reported as “foreclosures” on credit reports. If your short sale is reported as a foreclosure on your credit report, you may be erroneously denied a new mortgage loan because:

your FICO score is lower than it should be (foreclosures are more damaging to FICO scores than short sales)

the lender mistakenly applied a longer post-foreclosure waiting period against you when you would have otherwise qualified, or

the lender required you to make a higher down payment than what you would have been required to make if the short sale were properly reported.

(To learn about the impact of foreclosure on your ability to get a new mortgage, see When Can I Get a Mortgage After Foreclosure? )

You should contact all three major credit reporting agencies to correct the error and be prepared to supply documentation of the short sale to your lender.

For more information on how to correct your credit report, visit Nolo’s Credit Repair section .


When can I get a mortgage after bankruptcy? #mortgage #comparison


#mortgage after bankruptcy

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When can I get a mortgage after bankruptcy?

If you have just filed bankruptcy, you will not be barred from ever obtaining a mortgage loan; however, you will not be able to get one immediately. When you can get a mortgage after bankruptcy will depend upon the type of loan you want, the type of bankruptcy you filed, and how good your credit is at the time you want the loan.

Here are the details:

FHA Loans and VA Loans

To obtain an FHA loan or a VA loan after a Chapter 7 bankruptcy, you must wait two years from the date your Chapter 7 is discharged. You can obtain an FHA loan during a Chapter 13 bankruptcy as long as you have made 12 months of satisfactory Chapter 13 plan payments, but you must have bankruptcy court approval to get the loan. In the case of either an FHA loan or a VA loan, you must provide an explanation of the bankruptcy.

USDA Loans

If you want a USDA loan, you must wait three years from the date of a Chapter 7 discharge or after 12 months of making Chapter 13 plan payments, with court approval, or at least one year after the Chapter 13 is discharged.

Conventional Loans

Conventional loans have the longest waiting periods. If you want a conventional loan, you must wait four years after receiving a Chapter 7 discharge and two years after receiving a Chapter 13 discharge. If your Chapter 13 case was dismissed without a discharge, you must wait four years from the date of the dismissal.

Meeting Other Loan Criteria

Once these time periods pass, you will then be able to qualify for a mortgage loan — but you must still meet all the typical qualifications for obtaining a mortgage loan. You must be creditworthy, and you must be able to prove that you have a sufficient and reliable source of income. To learn more about rebuilding your credit after bankruptcy, see our Your Credit Bankruptcy area.


Underwater Mortgage Calculator – KnowEquity When #house #mortgage #calculator


#underwater mortgage

#

Underwater Mortgage Calculator – KnowEquity When

When will my home and mortgage no longer be underwater?

If you’re underwater in your mortgage, you’re not alone. Millions of homeowners are in the same boat. Even if you are eligible for refinancing under the HARP 2.0 program, you’ll still be underwater for some time.

The question, then, is: “When will I finally be above water again?”

Getting your mortgage back above water depends upon three things: the continued payment of your mortgage (amortization), how quickly home prices recover in your area (appreciation), and any additional mortgage payments you might make along the way (prepayment).

It is the intersection of these three factors that will tell you the exact date. Stronger home price appreciation or greater prepayments will speed up the time, while regular amortization will take the longest.

Use the calculator to plug in your own scenario to see exactly when you’ll be back in the black.

Note: If you have a specific date in mind when you want or need to be back above water, you should check out KnowEquity How. where we’ll tell you how much amortization, appreciation and prepayment you’ll need to get to your goal, including the full recovery of your home’s original value

Related Calculators

Copyright 2016 HSH Associates, Financial Publishers – HSH.com


9 Exercise Mistakes That Make Back Pain Worse, back pain worse when sitting.#Back #pain #worse


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9 Exercise Mistakes That Make Back Pain Worse

Back pain worse when sitting

So your son finally decided to move out of the house and in your zeal to hasten his departure you lifted one too many of his amplifiers. Now it’s Sunday morning and although it’s wonderfully quiet, you’re one twisted sister.

Back pain strikes just about everyone at some point in their lives, but it doesn’t have to debilitate you. In fact, the right kind of movement can be therapeutic, bringing fresh oxygenated blood to sore areas that promotes healing. You don’t even have to forego working out.

“Essentially, it’s safe to exercise with low-back or mid-back pain,” says David Hanscom, MD, an orthopedic spine surgeon at Swedish Neuroscience Specialists in Seattle. “Back pain is only a symptom; 99% of the time the pain results from ligaments and muscles around the spine.”

That being said, there are some instances when it’s smarter to head for the doctor’s office rather than the gym. These include: If the pain worsens at night and while lying flat, if it persists for six weeks or more, if it’s associated with weight loss and fever, or if you’ve recently fallen or have osteoporosis. Other signs you should get checked out: shooting pain down one or both legs, suddenly crooked posture, an inability to stand up straight, or holding your breath when changing position, says Scott Weiss, a New York physical therapist and athletic trainer.

In the absence of any of these symptoms, it’s okay to be active. Just be mindful, and swap your regular exercises and stretches for these more spine-friendly versions.

Back pain worse when sitting


When (And When Not) to Refinance Your Mortgage #mortgage #rate #calculator #with #taxes #and #insurance


#refinancing your mortgage

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When (And When Not) to Refinance Your Mortgage

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Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many common reasons why homeowners refinance: The opportunity to obtain a lower interest rate; the chance to shorten the term of their mortgage; the desire to convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or vice versa; the opportunity to tap a home’s equity in order to finance a large purchase; and the desire to consolidate debt. Some of these motivations have benefits and pitfalls. And because refinancing can cost between 3% and 6% of the loan’s principal and – like taking out the original mortgage – requires appraisal, title search and application fees, it’s important for a homeowner to determine whether his or her reason for refinancing offers true benefit.

Securing a Lower Interest Rate

One of the best reasons to refinance is to lower the interest rate on your existing loan. Historically, the rule of thumb was that it was worth the money to refinance if you could reduce your interest rate by at least 2%. Today, many lenders say 1% savings is enough of an incentive to refinance.

Reducing your interest rate not only helps you save money, but it increases the rate at which you build equity in your home, and it can decrease the size of your monthly payment. For example, a 30-year fixed-rate mortgage with an interest rate of 9% on a $100,000 home has a principal and interest payment of $804.62. That same loan at 6% reduces your payment to $599.55. (To learn more about the home costs, see Mortgages: How Much Can You Afford? . Home-Equity Loans: The Costs and The Home-Equity Loan: What It Is And How It Works .)

Shortening the Loan’s Term

When interest rates fall, homeowners often have the opportunity to refinance an existing loan for another loan that, without much change in the monthly payment, has a shorter term. For that 30-year fixed-rate mortgage on a $100,000 home, refinancing from 9% to $5.5% cuts the term in half to 15 years, with only a slight change in the monthly payment from $804.62 to $817.08.

Converting Between Adjustable-Rate and Fixed-Rate Mortgages

While ARMs start out offering lower rates than fixed-rate mortgages, periodic adjustments often result in rate increases that are higher than the rate available through a fixed-rate mortgage. When this occurs, converting to a fixed-rate mortgage results in a lower interest rate as well as eliminates concern over future interest rate hikes.

Conversely, converting from a fixed-rate loan to an ARM can also be a sound financial strategy, particularly in a falling interest rate environment. If rates continue to fall, the periodic rate adjustments on an ARM result in decreasing rates and smaller monthly mortgage payments, eliminating the need to refinance every time rates drop. Converting to an ARM may be a good idea especially for homeowners who don’t plan to stay in their home for more than a few years. If interest rates are falling, these homeowners can reduce their loan’s interest rate and monthly payment, but they won’t have to worry about interest rates rising in the future.

Tapping Equity and Consolidating Debt

While the previously mentioned reasons to refinance are all financially sound, mortgage refinancing can be a slippery slope to never-ending debt. It’s important to keep this in mind when considering refinancing for the purpose of tapping into home equity or consolidating debt.

Homeowners often access the equity in their homes to cover big expenses, such as the costs of home remodeling or a child’s college education. These homeowners may justify such refinancing by pointing out that remodeling adds value to the home or that the interest rate on the mortgage loan is less than the rate on money borrowed from another source. Another justification is that the interest on mortgages is tax deductible. While these arguments may be true, increasing the number of years that you owe on your mortgage is rarely a smart financial decision, nor is spending a dollar on interest to get a 30-cent tax deduction .

Many homeowners refinance in order to consolidate their debt. At face value. replacing high-interest debt with a low-interest mortgage is a good idea. Unfortunately, refinancing does not bring with it an automatic dose of financial prudence. In reality, a large percentage of people who once generated high-interest debt on credit cards. cars and other purchases will simply do it again after the mortgage refinancing gives them the available credit to do so. This creates an instant quadruple loss composed of wasted fees on the refinancing, lost equity in the house, additional years of increased interest payments on the new mortgage and the return of high-interest debt once the credit cards are maxed out again – the possible result is an endless perpetuation of the debt cycle and eventual bankruptcy .

The Bottom Line

Refinancing can be a great financial move if it reduces your mortgage payment, shortens the term of your loan or helps you build equity more quickly. When used carefully, it can also be a valuable tool in getting your debt under control. Before you refinance take a careful look at your financial situation, and ask yourself: How long do I plan to continue living in the house? And how much money will I save by refinancing? (For more information, see The True Economics Of Refinancing A Mortgage .)

Again, keep in mind that refinancing generally costs between 3 and 6% of the loan’s principal. It takes years to recoup that cost with the savings generated by a lower interest rate or a shorter term. So, if you are not planning to stay in the home for more than a few years, the cost of refinancing may negate any of the potential savings. It also pays to remember that a savvy homeowner is always looking for ways to reduce debt, build equity, save money and eliminate that mortgage payment. Taking cash out of your equity when you refinance doesn’t help you achieve any of those goals.


When Can I Get a Mortgage After Foreclosure? #mortgage #preapproval


#get a mortgage

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When Can I Get a Mortgage After Foreclosure?

Many people who have gone through foreclosure wonder if they will ever able to buy a house again. While your credit will take a big hit after foreclosure, you may be able to get another mortgage after some time passes. The amount of time you must wait before applying for a new mortgage loan depends on the type of lender and your financial circumstances. Read on to learn more.

(For more articles on rebuilding credit after foreclosure, visit our Improving Credit After Foreclosure and Bankruptcy topic area.)

Qualifying for an FHA Loan After Foreclosure

FHA loans are the most forgiving of foreclosures. To qualify for an FHA mortgage loan, you must wait at least three years after the foreclosure. The three-year clock starts ticking from the time that the foreclosure case has ended, usually from the date that your prior home was sold in the foreclosure proceeding. If the foreclosure also involved an FHA loan, the three-year waiting period starts from the date that FHA paid the prior lender on its claim.

Exceptions to the Three-Year Waiting Period

You may be able to qualify sooner than three years if you can show extenuating circumstances. That means demonstrating to the lender that the foreclosure was caused by a one-time event that was beyond your control, such as a:

  • serious illness or death in the family
  • divorce, or
  • job loss.

Qualifying for a Fannie Mae/Freddie Mac Loan After Foreclosure

Prior to June 20, 2010, the waiting period for a Fannie Mae loan following a foreclosure was five years. Now, to qualify for a Fannie Mae or Freddie Mac loan, you must wait at least seven years after the foreclosure.

Exceptions to the Seven-Year Waiting Period

You may be able to shorten the waiting period to three years for a Fannie or Freddie loan if you can meet all of the below requirements.

  • Prove in writing that the foreclosure was the result of extenuating circumstances.
  • Show that the maximum loan-to-value (LTV) ratio of the new mortgage is either 90% or the LTV ratio listed in Fannie Mae’s eligibility matrix (see, www.fanniemae.com/content/eligibility_information/eligibility-matrix.pdf ), whichever is greater.
  • Use the new mortgage loan for either the purchase of your personal residence, or a limited cash-out refinance (you cannot use the loan to purchase a second home or investment property).

Also, the seven-year waiting period only applies to conventional loans that are sold to Fannie Mae or Freddie Mac. This rule does not apply to Fannie or Freddie loans that are FHA-insured.

Conventional, Private Lenders

For most other types of lenders, the waiting periods can vary. Most are not as lenient as FHA and Fannie and Freddie lenders. The waiting period can range from two to eight years, or longer. Other lenders may shorten the post-foreclosure waiting period, provided that you make a larger down payment (sometimes 25% or more) and agree to a higher interest rate.

Your FICO Score and Getting a New Mortgage Loan

Notwithstanding the waiting periods, you must still establish good credit following the foreclosure. That means your FICO score must meet the lender’s minimal requirements to qualify for a post-foreclosure mortgage loan. Alternatively, while you may be able to obtain a new mortgage with a low FICO score, you may have to make a larger down payment or pay a higher interest rate.

For instance, a foreclosure may cause your FICO score to drop to 550 or less. Even after the three-year foreclosure period, you may not qualify for FHA’s low-down payment loan. That is because the minimum FICO score required for a low down payment FHA loan is 580. You may still qualify for an FHA loan with a 550 FICO. but instead of making a 3.5% down payment, your down payment would be higher, at least 10%.

FICO scores can be significantly damaged by a foreclosure. And the higher your credit score, the bigger the FICO drop with a foreclosure. For more information, see Which Is Worse for Your Credit Score: Bankruptcy, Foreclosure, Short-Sale or Loan Modification .

To re-establish good credit and boost your FICO score, you should:

  • pay your bills on time, consistently
  • keep your credit account balances low
  • monitor your credit report for errors and inaccuracies, and
  • maintain a small number of credit accounts.

For more information on how to do this, see the articles in our Credit Repair topic area.


TOILET TRAINING in DAYS Using a Guaranteed System, when should potty training start.#When #should #potty


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Q2. What age should I start toilet training?

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Potty Training Tips for Boys – How to Potty Train a Boy, when should potty


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Potty Training Tips for Boys How to Potty Train a Boy?

When should potty training start

There are parents who think that potty training boys can be a bit slower than potty training girls, and there are also parents who say it s the other way around. It s true that in most cases girls tend to get it right faster than boys, but at the end of the day you need to realize that every child is unique in his or her own way and he or she should be potty trained accordingly.

The more involved you are in your son s daily routines and learning activities, the easier it will be for you to figure out what works best when it comes to training him on using the potty.

When it comes to toilet training their son, the most frequently asked questions for parents are: Should I potty train my son sitting down or standing up? and Do boys take longer to potty train? .

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Training my son, Where should I start?

According to some pediatricians boys take a bit longer to toilet train mostly because it s mommy who s doing all the training, when sometimes it s important for a boy to just have daddy show him how it s done. It s also believed that girls start having a desire to be clean earlier than boys do.

When it comes to how you should potty train your son, standing up or sitting, the majority of parents who have gone through this experience with their toddler boys encourage training them sitting down in the beginning until they ve mastered the basics.

You should encourage your son to pee standing up only after he has shown full control of his bowel and bladder muscles. This way there will be no accidents, like peeing and at the same time pooping on the floor.

As soon is your son starts peeing standing up, do target practice . If it s mommy doing the training, now is the right time to get daddy to show him how to stand so that he can aim his urine stream into the toilet bowl. A fun way to this with your child is to use cereal pieces he can aim for.

When should potty training start

It s very common for boys to make a breakthrough with their toilet training once you give them their new big boy underwear with their favorite superhero or cartoon character on them. The reason for this is that they will not want to pee or poop on their heroes.

One of the best potty training tips for boys you can get is to definitelly have a reward system set in place. What works exceptionally well with boys are stickers. The trick here is to decorate their outfit with a sticker, just like a military jacket would look like and then let him show off to daddy and to other family members.

Potty training tips for boys between 2 and 3 years of age

Children of age 2 and slightly older are more open to learning, in fact this is probably the best time to try the 3 day potty training method, since this is when it will be most effective.

Toilet training boys between 2 and 3 years becomes a lot easier and less stressful if before this period you prepare your son by taking him to the bathroom and telling him stories of how big boys use the potty to pee and poop, just like mommy and daddy use the toilet.

At this point in their life, boys and girls as well will imitate their parents, so it would be a good idea to leave the bathroom open when you re using the toilet. Eventually the child will come in and imitate you by pulling down his diaper and maybe even sit on the potty all by his own.

Parents are still very surprised, seeign how easily 2 year old boys learn to pee and poop in the potty successfully. There is even a good chance that they ll pee standing up without any problems right from the beginning.

Even at this age, rewarding your son is still a good idea, just make sure that whatever type of reward you use, it is something he desperately wants and is instantly available to him once he s done his part.

Toilet training tips for older boys

When should potty training start

As your son gets older he will start to think that everything he does is his idea. What you can do is convince to sit on the potty just once and make him think it was his idea. When a toddler boy believes that it was his idea that made mommy or daddy so proud of him, it will motivate him to even more to do it again.

The older your son gets, the more factors you will have to deal with when trying to potty train him.

But it s not all bad, boys have their unique way of suddenly learning what you thought they were ignoring.

At this stage the idea of being a big boy and the freedom and experiences that come with this distinction, like going to preschool or playing at the playgrounds, are far more desirable rewards then any sweets, stickers or small toys.

Reward also work well even at later stages of potty-training, for instance you can reward your son for staying dry all day, after that for staying dry all week.

Peer pressure also comes in to play at this age. When a boy in kindergarten sees that his classmates stay dry all day he will want that aswell.

Well I hope these tips have helped you. At the end of the day, showing your son how much you love him and how proud you are for each progress that he s made is what s important.

When should potty training startHi, I’m Jennifer Morgan, creator of Project Potty Training. Ever since I potty trained my two boys, Daniel and Mark, I’ve been helping countless other parents do the same with their toddlers. This is where I share my best potty training tips and advice.

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When should potty training start