Financial Equalization-The Mortgage Killer

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Be Aware Of...

You should be aware of the exact nature of the 'modus operandi' of money lenders. What works for you and what works against you - how and why. This involves accurate thinking and problem-solving capabilities.

Inaccurate thinking and a trusting manner will cost you dearly. Money lenders promote and count on these two things to help them make excessive profits ... at your expense. Unfortunately, when it comes to dealing with borrowed money and debt elimination strategies, their methods have become the accepted norm. They actually have the majority of people trying to beat them at their own game.

The key to leveling the playing field between you and them is to recognize that their solutions are not the only solutions. Plus, the best solution to debt elimination is extremely unlikely to be included in their recommendations. First we must get our priorities straight and in the correct order before we can begin to find the best methods that work for us (the borrower).

Consider the following tradition accepted priority order concerning borrowed money versus what the order should actually be.

ACCEPTED PRIORITY ORDER
1. Interest Rates
2. Debt Principal
3, Payments
4. Terms & Conditions
5. Loan Amortization
6. Cost of Borrowing

ACCURATELY DIAGNOSED ORDER
1. Cost of Borrowing
2. Terms & Conditions
3. Interest Rates
4. Payments
5. Loan Amortization
6. Debt Principal

Inaccurate thinking also leads to costly conclusions. What is good for the money lenders is seldom good for the borrower. The sole reason for money lenders to exist is to make profit ... as much as possible from you, from all of us. They are not obligated to tell you how to cut their profits. When you accept the status-quo, you get exactly what you are asking for ... i.e., less for more.

Take control of your financial well-being and if something is going to cost you money, make certain that you are not just another sheep getting sheared. Caveat emptor! (Let the buyer beware!) Money lenders want you to think of your debt principal as the actual amount you owe. This is a half-truth! If you are not paying cash, it's going to cost you more. In the case of a mortgage, a whole lot more. This additional sum is the cost of using OPM (other people's money).

Example: A $175,000 mortgage at 7.5% average interest rate amortized over 25 years equals an actual indebtedness of $384,000 (principal and interest). These are after tax dollars! If you are in a 40% tax bracket, you will have to earn a whopping $640,000 before tax in order to pay off the $175,000 mortgage. $640,000 minus $175,000 equals a $465,000 difference.

Traditional debt elimination methods are money lender Recommended methods. Progress has taught us that there is always a better way to do anything. Tomorrow begins today, act now!

We at Financial Equalization are dedicated to the ideal of helping our clients take the 'wind out of windfall lender profits and make your money work as hard for you as you do for it. Our promise to you is: "If we cannot help you, we certainly will not hurt you!".