The document discusses a software program called the Money Merge Account (MMA) that helps homeowners pay off their mortgages much faster by leveraging the interest-canceling effects of a home equity line of credit (HELOC). It provides examples of families eliminating 30-year mortgages in 10-12 years while maintaining their standard of living. The MMA software analyzes users' financial situations and recommends monthly funds transfers and prepayments that reduce interest costs substantially.
This is an opportunity that the american people can learn how to bank like a bank. Think when the back close they don\'t use no one to move money. They use a sophisticated software solutions to move and grow money. They use a Mathematical Algorithm. So, if a bank uses Algorithms to build wealth why can\'t the consumer can use an Algorithm to save money and build wealth. Contact me I can show you how you can do this just with your income you bring home now.
This is an opportunity that the american people can learn how to bank like a bank. Think when the back close they don\'t use no one to move money. They use a sophisticated software solutions to move and grow money. They use a Mathematical Algorithm. So, if a bank uses Algorithms to build wealth why can\'t the consumer can use an Algorithm to save money and build wealth. Contact me I can show you how you can do this just with your income you bring home now.
Bogleheads II for new investors in Milwaukee Wisconsin: Debt Reduction can be easier with a strategy to reduce the amount of interest and pay off debt efficiently.
800-557-6821 This powerpoint shows how cashflow works when United First Financial 's Money Merge Account helps you pay off debts using credit card(s), savings and checking accounts as a virtual line of credit.
Keep Your Home and Avoid Foreclosure or Short Salerandyvillaverde
The Guardian Group Funds works with homeowners that have negative equity in their home. Regardless if you owe more than your home is worth, if you are in foreclosure or bankruptcy, we can help. Please take a moment and view the PowerPoint to see an overview of our program.
Everyone can benefit from starting their own private equity bank. All that is needed is the ability to contribute monthly installments or a large lump sum coupled with monthly deposits. You can start your own bank for as little as a few hundred dollars a month. How simple is that?
What can you use your bank for?
Anything! You can purchase real estate, cars, vacations, college tuition, fund retirement, purchase investments, businesses, etc. Whatever your interest or needs are, the money is there for your convenience.
What are the benefits of being your own banker?
Simply put…financial independence.
You will no longer depend on financial institutions to borrow money or grow your wealth. You will never pay interest to a financial institution again. This is on your own terms!
Contact Kagan Financial for more information: 1.800.774.0945
Most people believe that you can only spend a dollar once. Well we would like to show you how you can spend the same dollar multiple times with infinite banking and the family banking plan.
To learn more:
Visit our website at http://www.AllianceGroupFinancial.com
Like us on Facebook http://www.facebook.com/alliancegroup
Watch videos on Vimeo http://vimeo.com/alliancegroup
Watch videos on YouTube https://www.youtube.com/user/alliancegroupfinanci
The Loan Estimate: This form will be provided to consumers within three business days after they submit a loan application. It replaces the early Truth in Lending statement and the Good Faith Estimate, and provides a summary of the key loan terms and estimated loan and closing costs. Consumers can use this new form to compare the costs and features of different loans.
The Loan Estimate: This form will be provided to consumers within three business days after they submit a loan application. It replaces the early Truth in Lending statement and the Good Faith Estimate, and provides a summary of the key loan terms and estimated loan and closing costs. Consumers can use this new form to compare the costs and features of different loans.
What would your life be like with no Debt?
Take control of your financial future Today! Get out debt in half the regular Time and turn your savings into Wealth.
I've been able to pay off $24,000 in principal in just 18 months and am on track to be completely out of debt in 13 years. Would you like to know how I'm doing it? See how this innovative software program along with personal coaching can help you get out of all debt in 1/2 to 1/3 the time without having to refinance, make bi-weekly payments and with little to no change in your standard of living. Use the money you save to build up your retirement portfolio, go on vacation or buy a second or investment property. Free analysis will tell you the exact month and day you can begin living your dreams of financial freedom!
Bogleheads II for new investors in Milwaukee Wisconsin: Debt Reduction can be easier with a strategy to reduce the amount of interest and pay off debt efficiently.
800-557-6821 This powerpoint shows how cashflow works when United First Financial 's Money Merge Account helps you pay off debts using credit card(s), savings and checking accounts as a virtual line of credit.
Keep Your Home and Avoid Foreclosure or Short Salerandyvillaverde
The Guardian Group Funds works with homeowners that have negative equity in their home. Regardless if you owe more than your home is worth, if you are in foreclosure or bankruptcy, we can help. Please take a moment and view the PowerPoint to see an overview of our program.
Everyone can benefit from starting their own private equity bank. All that is needed is the ability to contribute monthly installments or a large lump sum coupled with monthly deposits. You can start your own bank for as little as a few hundred dollars a month. How simple is that?
What can you use your bank for?
Anything! You can purchase real estate, cars, vacations, college tuition, fund retirement, purchase investments, businesses, etc. Whatever your interest or needs are, the money is there for your convenience.
What are the benefits of being your own banker?
Simply put…financial independence.
You will no longer depend on financial institutions to borrow money or grow your wealth. You will never pay interest to a financial institution again. This is on your own terms!
Contact Kagan Financial for more information: 1.800.774.0945
Most people believe that you can only spend a dollar once. Well we would like to show you how you can spend the same dollar multiple times with infinite banking and the family banking plan.
To learn more:
Visit our website at http://www.AllianceGroupFinancial.com
Like us on Facebook http://www.facebook.com/alliancegroup
Watch videos on Vimeo http://vimeo.com/alliancegroup
Watch videos on YouTube https://www.youtube.com/user/alliancegroupfinanci
The Loan Estimate: This form will be provided to consumers within three business days after they submit a loan application. It replaces the early Truth in Lending statement and the Good Faith Estimate, and provides a summary of the key loan terms and estimated loan and closing costs. Consumers can use this new form to compare the costs and features of different loans.
The Loan Estimate: This form will be provided to consumers within three business days after they submit a loan application. It replaces the early Truth in Lending statement and the Good Faith Estimate, and provides a summary of the key loan terms and estimated loan and closing costs. Consumers can use this new form to compare the costs and features of different loans.
What would your life be like with no Debt?
Take control of your financial future Today! Get out debt in half the regular Time and turn your savings into Wealth.
I've been able to pay off $24,000 in principal in just 18 months and am on track to be completely out of debt in 13 years. Would you like to know how I'm doing it? See how this innovative software program along with personal coaching can help you get out of all debt in 1/2 to 1/3 the time without having to refinance, make bi-weekly payments and with little to no change in your standard of living. Use the money you save to build up your retirement portfolio, go on vacation or buy a second or investment property. Free analysis will tell you the exact month and day you can begin living your dreams of financial freedom!
What is the real cost of a mortgage? Should you be paying off your mortgage as fast as possible? If so, what is the safest way to do it? We show our clients how to lower their mortgage interest payments and total cost while maintaining access to their equity, without any changes to their current spending habits.
A financial GPS to find the quickest route to ZERO debt, Presented by Serena ...Serena Rinaldi Lambiase
A financial GPS to find the quickest route to zero debt; Software program that guides you to pay off your morgage and ALL debts faster by using interest cancellation methods; NO LOANS necessary
J ZAPPA REALTY CORP offers qualified individuals and corporations a way to utilize their available funds to achieve the highest returns on their principal through Private Mortgage Lending . This is a proven investment strategy that has been used by the most sophisticated of investors. By offering first lien positions on our properties, we can offer between a 4 - 10% return secured by a mortgage - a mortgage on properties with built-in equity as these deals were negotiated with lenders and purchased below market value.
9. Closed-End Loan $200,000 Principal loan amount 6% Interest $ 1,199 Monthly payment x 360 Months (30 year loan) $431,677 Total repayment -$200,000 Principal loan amount $231,677 Total interest paid
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11. Albert Einstein “ Those who understand interest are destined to collect it. Those who don’t are doomed to pay it.” Money Merge Account
12. $200,000 Principal Balance 6% Interest Rate $1,199.10 Monthly Payment Principal Interest Balance Equity Paid Month 1 Month 2 Year 1 Year 5 Year 10 Year 21 Year 30 $199.10 $1,000.00 $200.10 $999.00 $210.33 $988.77 $197,543 $2,457 $14,389 $267.22 $931.88 $186,108 $13,891 $71,946 $360.44 $838.66 $167,371 $32,628 $143,891 $696.23 $502.89 $99,877 $100,123 $302,173 $431,677
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14. Prepayment Savings Example $195,000 New principal loan balance 6% Interest rate $ 1,199 Monthly payment 337 Months $231,677 Original interest paid $203,373 New interest paid $ 28,304 -$ 5,000 Additional principal payment $ 23,304 Total Savings
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16. Your money should either be: Money Merge Account Checking Savings … not stagnating in a checking or savings account! earning interest paying off debt The “ ALOC ” helps you accomplish this!
21. Interest Canceling Effect $200,000 For 30 Years @ 6% Interest Mortgage Mortgage Balance $20,000 Available in HELOC @ 8% Interest HELOC Available Balance Income Monthly Income $5,000 Monthly Income Cancels Over $23,000 in Interest! Cancels Interest on the amount of your Income! Plan tells you to pay $5,000 against your Principal Plan tells you to deposit your $5,000 of Income into the HELOC HELOC Balance Mortgage Balance
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31. Loan amount: $200,000 Total interest savings: $161,219 $184,811 $184,752 Balance in 1 year: $197,543 MMA Program Conventional Program Starting balance $200,000 Balance in 1 year: 10.4 years $70,422 30 years $231,677 $200,000 Balance in 5.5 years: Repayment time Total interest paid
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33. Funds Transfers How much… - If you transfer too much, interest charges will eat you up - If you transfer too little, not enough principal increase - Dollar amounts are different every time How often… - Frequency varies every time
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35. True Cost How much does that item really cost me over time……
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40. 15% - 25% ahead of written guaranteed pay off date - because the proposal is a conservative projection - because of the Report Section (people budget more)
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43. Now lets do a financial analysis using the Money Merge Account: Money Merge Account
48. Comparison Conventional: Money Merge Account: Years Balance 0 150,000 5 140,416 8 132,067 Years Balance 0 150,000 5 89,931 8 0 1st Mortgage 1st Mortgage 2nd Mortgage 2nd Mortgage Still owe $25,000 Balance: $0 (Zero) You save $248,394 in interest! And with NO alteration to your current standard of living! Money Merge Account
49. I don’t want to pay off my mortgage! Investors Money Merge Account Growth from $1,982 to $19,100 is 964% increase in 1 year! (Assuming a 30 year fully amortized mortgage at 6.50%) Without software: $1,982 paid down in 1st year. With the software: $19,100 in principal reduction!
50. So what’s the secret? MATH Its just mathematics…there is no secret! The Money Merge Account makes more money available to make larger payments towards outstanding debt (offsetting interest accumulation), calculates the timing and amount of those payments—all customized to your personal financial situation. Money Merge Account
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52. Money Merge Account How long to save $3,500? Debt reduction obtained in 1st year: Minus debt reduction otherwise obtained: Net gain in debt reduction for 1st year: Divide by 12 mo for average savings: Net monthly gain in debt reduction: Divide cost ($3,500) by gain($1,426): Time to make back investment: 2.45 months . In other words…in this example, this person will save over $3,500 in under 3 months ! $19,100 -$1,982 $17,118 ÷ 12 $1,426 2.45 *Results may vary based upon individual financial situation. Use your financial analysis report to find your own “break even” point. A “monthly average” was used for this number. The true timeframe will be more of a curved savings timeframe than linear.
53. Once you have completed the financial analysis … You must get a HELOC from your lender of choice if you don’t already have one. And finally, to purchase the Money Merge Account program… Money Merge Account
54. Client Support will walk you through setting up your individual Money Merge Account . Client support is included for the owner for life, with no additional maintenance fees. Money Merge Account
55. “ Money is one form of power. But what is more powerful is financial education. Money comes and goes, but if you have the education about how money works, you gain power over it and can begin building wealth.” -Robert Kiyosaki- Money Merge Account