The Demo Site

How much interest are you earning on your home equity? If you answered nothing, zero, zilch, zip you are correct. Would you take action and build a fortune that would allow you to pay off the mortgage and create a retirement fund?

We use a strategy called Early Mortgage Pay off System or Expose. What if you could reduce your monthly mortgage payments and increase your cash flow?

First, you examine to see if a Pick-a-payment Mortgage is applicable to your situation. This type of mortgage product allows you to choose between four options each month. The options are a 30-year payment, a 15-year payment, interest only or minimum monthly payment, which has a low start rate (currently 1.95% to 4.95% depending on the investor, credit, income and other market factors). You can match your loan payments to your variable or seasonal income and begin using the saved income to create wealth.

This mortgage product uses a monthly Adjustable Rate concept to determine the actual rate of interest charged. The loan is linked to one of various indexes like the Cost of Funds Index (COFI), the Monthly Treasury Average (MTA), Certificate of Deposit Index (CODI), Cost of Savings Index (COSI) or the London Interbank Offered Rate (LIBOR). A loan consultant can determine the index and program that best fits your individual financial situation. Fixed percentage points (the "Margin") are added to the index and establishes your effective interest rate and monthly payment

Even Alan Greenspan has an ARM mortgage on his home when he could afford to pay it off. History shows the ARM mortgage consistently outperforms a fixed rate.
Triple compounding is where you earn interest on your principal, interest on the interest and interest on the amount that would have gone to taxes. One of the best places to get tax deferral that creates a triple compound is with life insurance.

You may have sold yourself on life insurance being a useless product. Well, consider the following example of life insurance compared to a ROTH IRA.

The IRA offers no creditor protection if you get sued, the equity in your home is always on the table for a creditor to take. Additionally, your contributions to an IRA are limited, there is no death benefit if you prematurely pass away, and there is no disability aspect among other features.

After the Tax Reform Act of 1986, the Wall Street Journal had an article that said there were only five tax-advantaged investments left:

* Your personal mortgage
* Qualified retirement plans (i.e., EP, 401K, IRA, Pension, Profit Sharing, etc.)
* Tax Free Bonds
* Live Insurance
* Annuities.


The reason that life insurance was listed is because life insurance offers you the opportunity to have tax-deferred growth/compounding on your money as well as access on a tax advantaged basis.