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  • Product Presentation

    1. 1. Has your Mortgage Gone Green?
    2. 2. Which would you rather have in your Financial Future? HOPE Guarantee
    3. 3. American Consumer HOPES: <ul><li>Their retirement accounts (401k & IRA) will earn a better than </li></ul><ul><li>average return! </li></ul><ul><li>Some day they will not need credit cards and be able to pay in cash! </li></ul><ul><li>To gain Equity through home appreciation! </li></ul><ul><li>To be able to provide financially for children's college tuition. </li></ul><ul><li>To help towards their children's wedding expenses. </li></ul><ul><li>That Social Security is available when they retire! </li></ul>
    4. 4. Now is the time Americans: STOP Hoping Start Guaranteeing
    5. 5. What is the Net Worth Account? <ul><li>Net Worth Account is a web base software service which contains algorithms that systematically creates the highest interest savings possible in the least amount of time. </li></ul><ul><li>Each individual, due to the uniqueness of their situation, requires a custom plan to achieve optimal results. </li></ul>
    6. 6. Why do I need the Net Worth Account? <ul><li>The product is changing the way consumers approach debt. </li></ul><ul><ul><ul><li>Debt has consumed our economy! </li></ul></ul></ul><ul><li>Interest is inhibiting are ability to achieve our future financial goals. </li></ul><ul><ul><ul><li>Mortgage Interest </li></ul></ul></ul><ul><ul><ul><li>Credit Interest </li></ul></ul></ul>
    7. 7. <ul><li>First Mortgage </li></ul><ul><li>Acceleration Account </li></ul><ul><li>(Interest Bearing Account, HELOC, PLOC) </li></ul><ul><li>Software Service </li></ul>There are 3 Components for this to work:
    8. 8. On average, Australians pay $100,000 - $150,000 less in interest on their mortgages than Americans. Homeowners in Australia and the United Kingdom have been using a similar system for the last 12 years. In fact, more than a third of the households in Australia and about one fourth of the households in the United Kingdom are currently using a program to accelerate their equity.
    9. 9. How do banks make money?
    10. 10. Compound interest is the 8 th wonder of the world: The person that understands compound interest, will earn it. The person that does not, will pay it!
    11. 11. The Banking Rule of 72 3% 6% 12% 18% The Power of Compound Interest A rule stating that in order to find the number of years required to double your money at a given interest rate, you divide the compound return into 72. The result is the approximate number of years that it will take for your investment to double.
    12. 12. (24/yrs) (12/yrs) (6/yrs) (4/yrs) 3% 6% 12% 18% 1 - $1,000 24 - $2,000 48 - $4,000 1 - $1,000 12 - $2,000 24 - $4,000 36 - $8,000 48 - $16,000 1 - $1,000 6 - $2,000 12 - $4,000 18 - $8,000 24 - $16,000 30 - $32,000 36 - $64,000 42 - $128,000 48 - $256,000 1 - $1,000 4 - $2,000 8 - $4,000 12 - $8,000 16 - $16,000 20 - $32,000 24 - $64,000 28 - $128,000 32 - $256,000 36 - $512,000 40 - $1,024,000 44 - $2,048,000 48 - $4,096,000 48 years is the average working span of a person How the Banks Leverage our Money
    13. 13. <ul><li>Component #1: Your 1 st Mortgage </li></ul><ul><ul><li>Closed-End Loan : </li></ul></ul><ul><ul><li>Requires a full scheduled payment at the beginning of each month </li></ul></ul><ul><ul><li>Allows payment but no access to your equity </li></ul></ul><ul><ul><li>Amortization Schedule determines interest paid </li></ul></ul><ul><ul><li>Calculates interest charges from month-end principal balance </li></ul></ul><ul><ul><ul><li>Less Balance = Less Interest </li></ul></ul></ul>
    14. 14. <ul><li>Closed-End Loan Example: </li></ul><ul><li>$200,000 Principle loan amount </li></ul><ul><li> 6% Interest rate </li></ul><ul><li>$1,199.10 Monthly payment </li></ul><ul><li>x 360 Months (30-year loan) </li></ul><ul><li>$431,677 Total repayment </li></ul><ul><li>-$200,000 Principle loan amount </li></ul><ul><li> $231,677 Total interest paid </li></ul>
    15. 15. $200,000 Month 1 : Mortgage Payment $1,199.10 The Bank $1,000.00 $199.10 Mortgage Payment due: Interest to The Bank $100,000 Interest: Principle: Your House Remaining Principle Balance $200,000 $100,000 Total Interest Paid: Total Principle Paid: $199.10 $1,000
    16. 16. $200,000 Month 12 : Mortgage Payment $1,199.10 The Bank $988.77 $210.33 Mortgage Payment due: Interest to The Bank $100,000 Interest: Principle: Your House Remaining Principle Balance $200,000 $100,000 Total Interest Paid: Total Principle Paid: $2,456.01 $11,933.19
    17. 17. $200,000 Month 120 : Mortgage Payment $1,199.10 The Bank $838.66 $360.44 Mortgage Payment due: Interest to The Bank $100,000 Interest: Principle: Your House Remaining Principle Balance $200,000 $100,000 Total Interest Paid: Total Principle Paid: $32,628.40 $111,263.60
    18. 18. $200,000 Month 252 : Mortgage Payment $1,199.10 The Bank $502.87 $696.23 Mortgage Payment due: Interest to The Bank $100,000 Interest: Principle: Your House Remaining Principle Balance $200,000 $100,000 Total Interest Paid: Total Principle Paid: $100,122.24 $202,050.96
    19. 19. $200,000 Month 360 : Mortgage Payment The Bank Interest to The Bank $100,000 Your House Remaining Principle Balance $200,000 $100,000 Total Interest Paid: Total Principle Paid: $200,000 $231,677.03
    20. 20. Component #2: Bank Account HELOC, PLOC, or Interest Bearing Account <ul><ul><li>The preferred Leverage Account is the HELOC (Opened Ended): </li></ul></ul><ul><ul><li>Money will be applied to loan balance when received </li></ul></ul><ul><ul><li>Ability to adjust principal balance multiple times per month </li></ul></ul><ul><ul><li>Views daily balance to assess interest charges </li></ul></ul>
    21. 21. <ul><li>Acceleration Account </li></ul><ul><li>Becomes your Primary Banking Account </li></ul><ul><li>Deposit all of your income into the Acceleration Account </li></ul><ul><li>Pay all your bills from the Acceleration Account </li></ul><ul><li>Optimum Performance of the </li></ul><ul><li>Acceleration Account </li></ul><ul><li>Deposit the maximum amount of money into the Acceleration Account </li></ul><ul><li>Keep it in there as long as possible </li></ul>
    22. 22. Component #1 1 st mortgage Acceleration Account Mortgage Interest Cancellation Example $40,000 Available Credit Component #2 $200,000
    23. 23. Mortgage Interest Cancellation Example $5,000 Credit $195,000 Acceleration Account Balance Transfer: Leverage the Banks money from your Acceleration Account to pay down your 1 st mortgage.
    24. 24. <ul><li>$195,000 New principal loan balance </li></ul><ul><li>6% Interest rate </li></ul><ul><li>$1,199 Monthly payment </li></ul><ul><li> </li></ul><ul><li>337 New months </li></ul><ul><li>$231,677 Original interest paid </li></ul><ul><li>$203,373 New interest paid </li></ul><ul><li>$ 28,304 </li></ul><ul><li>-$5,000 Additional principal payment </li></ul><ul><li>$23,304 Total savings </li></ul>
    25. 25. <ul><li>Balance Transfers: </li></ul><ul><li>Every 2 to 6 months </li></ul><ul><li>As we maintain our Budget, the software will optimize another Balance transfer for Interest Cancellation to the exact penny </li></ul>
    26. 26. <ul><li>Sample NWA Household: </li></ul>
    27. 27. Component #1 1 st mortgage Acceleration Account Mortgage $40,000 Available Credit Component #2 $200,000 $200,000 Component #1 1 st mortgage Mortgage
    28. 28. Component #3: Web Based Software Service
    29. 29. <ul><li>Month 1 </li></ul><ul><li>$3,500 NWA investment </li></ul><ul><li>$1,199.10 Mortgage Account </li></ul><ul><li>$250 Investment Account </li></ul><ul><li>$500 Auto Loan </li></ul><ul><li>$5,449.10 LOC Balance </li></ul><ul><li>$5,000 Income </li></ul><ul><li>$449.10 Average Monthly balance </li></ul>Component #2 $40,000 Available Credit LOC (Acceleration Account) $3,500 $449.10 $5,449.10 Available Balance $39,550.90 $3.36 Minimum Interest Charge 9% LOC
    30. 30. <ul><li>Month 2 </li></ul><ul><li>$452.46 Balance (From Month 1 + Interest) </li></ul><ul><li>$1,199.10 Mortgage Payment </li></ul><ul><li>$250 Investment Account </li></ul><ul><li>$500 Auto Loan </li></ul><ul><li>$2,622.90 Balance Transfer (Direct Principle Payment) </li></ul><ul><li>$5,024.46 LOC Balance </li></ul><ul><li>$5,000 Income </li></ul><ul><li>$24.46 Average Monthly balance </li></ul>$452.46 $6,500 Available Balance $39,975.54 $5,024.46 $24.46 LOC (Acceleration Account) 9% LOC $0.18 Minimum Interest Charge
    31. 31. Results in 2 months Interest Saved $13,248.48 Saved 14 months NWA Results Without NWA Monthly Principle Increase $14.40 $1.00 Interest Cancelled $13,248.48 $0 Remaining Balance $196,763.93 $199,399.70 Remaining Payments 343 358
    32. 32. <ul><li>Month 3 </li></ul><ul><li>$24.64 Balance (From Month 2 + Interest) </li></ul><ul><li>$2,300.90 Visa Card Payment </li></ul><ul><li>$1,199.10 Mortgage Payment </li></ul><ul><li>$250 Investment Account </li></ul><ul><li>$500 Auto Loan </li></ul><ul><li>$1,038.32 Balance Transfer (Direct Principle Payment) </li></ul><ul><li>$5,312.96 LOC Balance </li></ul><ul><li>$5,000 Income </li></ul><ul><li>$312.96 Average Monthly balance </li></ul>$24.64 $6,500 Available Balance $39,992.23 $5,312.96 $312.96 LOC (Acceleration Account) 9% LOC $2.35 Minimum Interest Charge
    33. 33. Results in 3 months Interest Saved $4,518.28 Saved 4 months Total Interest Saved $17,766.76 Total Months Saved 19 NWA Results Without NWA Monthly Principle Increase $20.88 $2.00 Interest Cancelled $17,766.76 $0 Remaining Balance $195,516.95 $199,399.70 Remaining Payments 339 357
    34. 34. <ul><li>Month 12 </li></ul><ul><li>$312.28 Balance (From Month 11) </li></ul><ul><li>$2,300.90 Visa Card Payment </li></ul><ul><li>$1,199.10 Mortgage Payment </li></ul><ul><li>$250 Investment Account </li></ul><ul><li>$500 Auto Loan </li></ul><ul><li>$722.56 Balance Transfer (Direct Principle Payment) </li></ul><ul><li>$5,284.84 LOC Balance </li></ul><ul><li>$5,000 Income </li></ul><ul><li>$284.84 Average Monthly balance </li></ul>$6,500 Available Balance $39,999.01 LOC (Acceleration Account) $2.14 Minimum Interest Charge 9% LOC
    35. 35. Results in 12 months Total Interest Saved $45,441.44 Total Months Saved 46 Investment Account $3,210 NWA Results Without NWA Monthly Principle Increase $64.47 $11.23 Interest Cancelled $45,441.44 $0 Remaining Balance $186,629.96 $199,399.70 Remaining Payments 302 348
    36. 36. Total Results NWA Results Without NWA Repayment Time 10.2 Years 30 Years Interest Paid $66,834 $231,677 Interest Saved $164,842 $0 Mortgage Payment Investment (19.8 years saved at $1,199.10) $518,327 $0
    37. 37. “ Insanity : Doing the same thing over and over again and expecting different results.”
    38. 38. Common Questions <ul><li>Why can’t I just make extra payments to the principle on my current mortgage? </li></ul><ul><ul><li>Net Worth Account's program contains an algorithm that systematically creates the highest interest savings possible in the least amount of time. With the mortgage-accelerator program, you already have the Acceleration Account in place. That gives homeowners confidence that they can be aggressive in paying their mortgages and still have money readily available if a financial emergency comes up. </li></ul></ul>
    39. 39. Common Questions continued… <ul><li>Can I transfer the service to other properties? If so, what is the cost? </li></ul><ul><ul><ul><li>YES </li></ul></ul></ul><ul><ul><ul><li>There is no cost for a property transfer! </li></ul></ul></ul><ul><li>I will lose my tax deduction if I pay my mortgage off? </li></ul><ul><ul><ul><li>Remember, what you do not own, owns you! </li></ul></ul></ul><ul><ul><ul><li>Interest makes the bank rich </li></ul></ul></ul><ul><li>Does it cost me to think about it? </li></ul><ul><ul><ul><li>YES, and how much? </li></ul></ul></ul><ul><ul><ul><li>$1,351.16 per month </li></ul></ul></ul><ul><ul><ul><li>$45.04 per day </li></ul></ul></ul>
    40. 40. Final Questions <ul><li>How long does it take to re-capture my initial outlay? </li></ul><ul><ul><ul><li>The average account takes 90 days </li></ul></ul></ul><ul><li>What if I have little to no equity in my home? </li></ul><ul><ul><ul><li>Equity is one of the options available, there are others! </li></ul></ul></ul><ul><li>Do I have to refinance my home? </li></ul><ul><ul><ul><li>NO, However some clients may choose to refinance to consolidate debt in order to increase discretionary income. </li></ul></ul></ul><ul><li>What if I sell my home? </li></ul><ul><ul><ul><li>Fantastic, now transfer your Net Worth Account to your new property and mortgage! </li></ul></ul></ul><ul><li>Why haven’t I heard of this program? </li></ul><ul><ul><ul><li>Revolutionary new concept in the US Markets, tested and proven in the European Markets over the past decade. </li></ul></ul></ul>
    41. 41. vs.
    42. 42. Free 7 Day Trial
    43. 43. It’s Free to try and will accurately forecast your final day of debt!!!
    44. 46. <ul><li>Don’t Wait! </li></ul><ul><li>Start Saving Today! </li></ul><ul><ul><li>You have nothing to lose </li></ul></ul><ul><li>but interest & debt </li></ul>

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