NO PLAN

Most famlies would love to pay off their mortgage early, and be free to use that monthly payment for other, more desirable purposes. Things like investments, travel, a college education, and many other excellent uses. Most have not been able to achieve that dream.

In the past, several strategies such as bi-weekly payments or monthly small pre-payments of principal have worked well to reduce a thirty year mortgage by seven or eight years; a great savings both in time and money, but still far short of the desired goal. While pre-payment of principal is the fastest way to eliminate a mortgage,the problem has always been where to get the extra money to pay it down. Now, with recession gripping the nation, and the price of everything going up, it's tougher than ever to make any headway against our mortgage and other debts.

DISCOVERY

When I learned two years ago that Australia, England, and several other countries in Europe were using a carefully orchestrated plan, with clever banking techniques, to pay off mortgages in as little as one third the time and with interest savings of tens, even hundreds of thousands of dollars, I was so intrigued I had to find out if it were true. And if it were true, how were they doing it?

There was another reason I had to know. During my years in the Real Estate and finance business I had purchased many foreclosed houses on the court house steps. Knocking on someone's door and telling them my company was the new owner of their home is not my idea of a good time. I hated it every time I had to do it, and often wished there were some way to avoid it. Many foreclosures are the result of negligence on the part of the borrower; but on many occasions I learned that a major illness or job loss had been the biggest factor.

What if this plan I was hearing about REALLY WORKED? What if was legal and could be done by the average homeowner? Could this help homeowners to leverage their financial position and actually build some financial freedom? Perhaps become financially sound enough to weather a crisis like a major illness?

My head may have been spinning with these and dozens of other questions, but one thing I was sure of; I had enough experience in Real Estate finance to separate fact from fiction and determine for myself whether or not this system was real and do-able for the average homeowner.

THE RESEARCH BEGINS

As I began my research I called in my wife Joan, to go over the numbers with me. With years off accounting and auditing experience for title companies to her credit, I knew she could back up, or disprove, my findings with a high degree of accuracy. After all, she is the one who catches the banks mistakes!

What we discovered astonished and than angered us! Astonished us because of the subtle simplicity and power of the plan; angered us because with all our joint knowledge and experience we had not come up with the concept ourselves!

We also discovered that the plan had already been brought to America and was a patented process complete with operating software to optimize interest savings and time reduction through rapid principal pay-down. Typical thirty year mortgages could, in fact, be paid off in EIGHT TO TEN YEARS. The math checked out, background checks of the company and name searches of the operating officers reveled no hidden problems; why wasn't this plan in use everywhere? I began to study every aspect of the plan and the company's marketing approach, determined to solve the problem and save the world!Truly a man's approach to the problem. But it was my wife who saw what was really happening.

LIGHT ON THE PROBLEM

Looking over my shoulder at all the documentation that I had accumulated, and knowing all the time and money that had been invested in the project, my wife made a simple statement that stopped me in my tracks! "It's intimidating to most people." What? In the long look that followed I saw something in her eyes that absolutely shaped and controlled my response. Humbly, I asked her, "can you tell me what you see?"

SHE TOLD ME ABOUT "YOU"

"Do you remember the hundreds of times you went to closings with your clients and watched the look of total shock on their faces when they saw the Federal Truth in Lending Statement for the first time? You know, in the fourth box on the right, the one that has the total dollar amount they will have paid by the end of the thirty years?" (I knew. At 6%, a $200,000 note would end up costing them $431,677) "They would have to pay $231,677 IN INTEREST; that's more than the price of the house! They would always go ahead and sign because they knew that to have their own home, there was no other way. Don't you see? MOST PEOPLE DON'T UNDERSTAND THE DIFFERENCE BETWEEN SIMPLE AND COMPOUND INTEREST. So how can you expect them to change their banking and bill paying habits to avoid dead money accounts and unnecessary interest accumulation? It's so simple for you with all your background in Real Estate and mortgage, but they don't have that advantage! You have to teach them." As I thought it over, I knew she was right.

KNOWLEDGE IS POWER

It's and old saying, but as true today as ever. I'm going to tell you some things that you may never have heard before, but that you need to know in order to understand what is coming. Ready?

1.)SIMPLE INTEREST $200,000 @ 6% simple interest for 30 years = $212,000. You pay only $12,000 in interest.

2.)COMPOUND INTEREST $200,000 @ 6% compound interest for 30 years = $431,677. You pay $231,677 in interest.

3.)Simple interest is figured one time and added to the borrowed amount and that is all you pay back. Compound interest is figured on the balance monthly and re-added to the balance to create a new, higher, balance. Can you see why banks no longer offer simple interest loans?

4.)PRINCIPAL PAY-DOWN In #2 above, the monthly payment is $1,199.10 P.& I. (Principal and Interest) When you make your first payment, you are paying $199.00 towards the principal balance of your loan. And you are paying $1,000.00 in interest! When you make your second payment, you will pay $200.00 towards the principal balance and $999.00 in interest. Ever month the amount payed toward principal only increases by about one dollar for the first several years. Can you see why a fully amortized, level payment loan, (your mortgage) is called a "Slow Death"? Most Americans purchase another home every five to seven years, and never escape the huge interest charges in these FRONT END LOADED COMPOUND INTEREST MORTGAGES. Their home is never PAID OFF.

STAY WITH ME - DON'T QUIT NOW

RETURNING TO SANITY

Suppose you made a $5,000.00 payment directly to principal. Stop and think. Within the regular payment only about $200.00 is going to principal reduction. That means a $5,000.00 payment directly to principal would be equal to 23 months of regular payments! That cuts nearly two years off the term of your mortgage! And actually cancels out $23,437 in interest! You just struck gold! That is called pre-payment of principal and if used systematically, would pay off your mortgage in record time, and save you tens or even hundreds of thousands of dollars. That is one of the objectives of the Plan, along with where do you get the money and what is the right time to make the pre-payments.

LIGHT AT THE END OF THE TUNNEL

In order to guide you into the financial freedom that you desire, your Plan must be able to meet the following conditions:

1.)Plan must pay off your mortgage in one third of the remaining term.

2.)Plan must reduce the interest you will pay on your mortgage by two thirds.

3.)Plan must be workable within your PRESENT MONTHLY INCOME and expenses. It must not create any new debt.

4.)Plan should LOWER monthly debt service.

5.)Plan should not require any out-of-pocket expense.

6.)Plan should not require re-financing of your present mortgage.

7.)Plan must keep full control of your money in YOUR hands.

8.)Plan must provide step-by-step instructions and accurate record keeping.

9.)Plan must guide you, the homeowner, in sound banking and financial practices.

10.)Plan should have a simple, solid guarantee.

At this point I have to ask you if you think it is really possible to bring all the above conditions together in such a way that it will help you escape the compound interest trap, pay your home off in record time, and set you on the road to a new financial life? The answer is absolutely and emphatically,YES! But it may be difficult for you to believe right now because you don't know enough about how the Plan works. You may even have friends or advisors telling you this can't possibly be true! There must be a catch! Do you remember that we said "knowledge is power"? If you have come this far and feel you understand the information I have given you up to this point, I hope that right now you are saying to yourself, "How can I see a complete presentation of the Plan and get my questions answered?" And "Is it going to cost me an arm and a leg to get that information?" Glad you asked.

ONE STEP AT A TIME

I love that philosophy even if it does make me crazy sometimes. It's the way things really work. Here you go ---

FIRST

Click on the "Qualifications" button and read through the short list of requirements to enable the Plan to work effectively for you. There is no need to waste anyone's time if the conditions can not be met.

SECOND

Click on the "Contact Us" button and send us an email saying that you would like to take part in an online conference. You can do this in the privacy of your home or office.(Please be assured we never share email address with anyone.)We'll send you instructions telling you how to join us and other interested parties in a thirty minute online video presentation followed by a fifteen minute Q&A session. There is no cost or obligation of any kind. (Not even an arm or a leg) There is never any sales pressure of any kind. There is no need to sell you anything once you have seen and understood the impact of the Plan on your financial life.

THIRD

After the presentation and the question and answer session, we will provide those who qualify and are interested, a free analysis showing you what the Plan can do in your mortgage/income situation.

FOURTH

Think through all that you have seen and heard and email us for your next step. It's really easy when you take it one step at a time. KNOWLEDGE DOES NOT BECOME POWER UNTIL IT IS ACTED UPON. (Think that over) Once you have seen the presentation and received your free analysis we will make no further attempt to contact you. From that point on it's up to you to tell us what you want to do. You now have the knowledge.

FINAL THOUGHTS

Consider this: The FIRST priority in life is making peace with your creator and securing your eternity. The second most important thing in life is securing your family's financial future and freedom.

With best wishes, we look forward to hearing from you.

Walt and Joan Henningsen