Last updated: 8/2008

Build Equity. Leverage Equity. Acquire More Assets. Repeat.

Build equity while paying off mortgage and other debt in 8 - 11 years or less. Take control using this Revolutionary Money Management System.

NO sacrifices to your lifestyle. Guaranteed!

Implement this powerful, proven money management system, with easy-to-use software, and have 7 fundamental financial principles rapidly accelerate your net worth and become financially free!

From the desk of-

Scott Scholz, 6:43 am

There you have it. The keys to building wealth are: First, Build equity. Second, Leverage equity. Third: Acquire another appreciating asset. Fourth: Repeat steps 1, 2 and 3! Repeat step 4. Repeat, again. Repeat yet again.

All great fortunes were built following this process.

Think of all the real estate magnates you know of. Did they do it any other way? How about those who made their fortunes in business? How do you think they got started?

So what's holding you back?

I'll bet it's step one - the building equity part. You're wondering, "where's the equity I can leverage to acquire more appreciating assets."

Read this and you'll learn where it is. You'll also learn how to create more or it. Fast. And then you'll be able to repeat the process as often as you want.

DO YOU ALREADY HAVE THE KEYS TO THE KINGDOM IN YOUR HAND?

Let me start by asking you a question... What's your view of your mortgage? Do you view it as a friend or a foe?

Is it just a tool you use to purchase a home? Or, is it a tool you can use to build real wealth?

Some people want to get rid of their mortgage as quickly as possible and be debt free. If that's what you want to do, you're in the right place because you'll learn the fastest way possible to retire a mortgage.

BUT WAIT just a minute!! Do you want to pay off your mortgage or do you want to be wealthy?

Think about a person you know who invested in a rental property, then another, then another. And then he invested in a business. And then some other tax-advantaged investments. And now, he isn't working for money any more because he has his money working for him.

How did he do that?

Read this part very carefully... when he paid down his mortgage he was doing something else at the same time that was much more important than paying down his mortgage. He was simultaneously building up equity in his property. Equity he could put to work!

Then, when he found an investment property that he wanted to buy, he simply tapped into the equity he'd created in his property and bought it. And the tool he used to access this equity was... - a mortgage! Maybe he used a second mortgage or a HELOC. Who cares. If it was secured by his property, it was a lien type comparable to a mortgage. At any rate, the end result was he gained assets and became wealthier. So having a mortgage and using it to one's advantage might not be such a bad idea after all.

For many of you, this may seem elementary. Now, we've come to the real reason you're reading this page.

If you want to execute the most basic of wealth-building plans, wouldn't you want to know how to build up equity as fast as possible so you could repeatedly go back to the well and tap into that equity?

Again and again and again.

That's what you'll learn here. There is no faster way to pay down mortgage (and other) debt than what you'll learn here. And you make no changes to your spending behavior at all. NONE. Remember, the flip side of the coin when you pay down mortgage debt is that you're building up equity.

By all means, PLEASE, don't leave your equity sitting idle in the walls, floors and roof of your house. Equity in your home has a 0% ROI. Put that equity to work for you. Get your money working for you and you won't have to work for your money.

You're about to learn a few principles and tactics that can completely turn the financial tides in your favor. Albert Einstein called compound interest the greatest mathematical discovery of all time, the 8th Wonder of the World.

Whether your goal is to pay off your mortgage as fast as you can or rapidly create a large amount of equity you can put to use in wealth-building investments, here's an easy-to-implement strategy that will make the power of compounding interest your ally.

Let's set the stage...

Imagine standing in front of your home on a beautiful day saying to yourself, "It's 100% mine. The lender listed on the title is gone. It's really all mine!"

It's yours because you learned some key principles, exercised self-discipline and acted upon it. Plus, you gained a few nice perks as a result.

You have complete control of your finances. You're no longer a pawn in the finance world making banks, creditors and their shareholders rich.

Now, you can use your creditors to your advantage and convenience and accomplish your financial objectives – to build your own real wealth. Not the other way around.

Which of the following two options would you rather take?

Option A: I have a 6.6% mortgage and will pay $261,914 in interest and pay off the loan in 30 years. Option B: I have a 7.8% mortgage and will pay $90,404 in interest and pay off the loan in 10.4 years.

Which would you say represents better financial management, Option A or Option B? Imagine you took Option B... what would you do with the extra $170,000 you kept? $170,000!

MAKE NO CHANGES IN YOUR STANDARD OF LIVING AND STILL SAVE THOUSANDS OF DOLLARS

You can get results like these while you make NO sacrifices in your quality of life and no cuts to your entertainment budget. You and your spouse can go out to dinner and the movies as often as ever. You can continue to take your usual vacations. In fact, you'll be able to increase the frequency of your outings and worry less about what they cost.

All this is possible when you learn how to apply some invaluable money management tools that get compounding interest working to your advantage each month. Sounds good, doesn't it?

So how do you acquire this powerful knowledge and achieve these liberating results?

Learn the fastest, easiest to use method to build equity, retire your mortgage, minimize interest payments and eliminate any other debt, you'll find. Anywhere. Guaranteed!

Are you on the right side of the 'interest' equation?

"There are two types of people in the world: Those who understand interest and those who don't. Those who understand interest, receive it; those who don't, pay it." - anonymous

Banks and lenders understand compound interest very well and they know exactly how to play the game to their advantage. Your bank wants you to keep sending them money every month as long as possible - preferably in the form or interest payments on home loans, car loans and especially credit card interest.

Once they have you hooked on that habit, you're theirs. They know it. They love it. And they're happy taking your money, using some of it for their operations expenses, building new skyscrapers and giving the rest to their shareholders.

We're talking about YOUR money here! You could probably use it more than the banks shareholders, couldn't you? Why pay more interest than you have to for the privilege of using the bank's, or anyone else's, money. That's like flushing money down the toilet.

The money-saving, wealth-building system presented here is designed to get you on the right side of the interest equation, the profitable side. The first step is slowing, then stopping the outflow of cash as unnecessary interest payments. Then, when you continue applying these same principles to your monthly finances, you can rapidly increase your net worth and put yourself on the road to real financial freedom.

The only thing faster, easier and cheaper would be if you won the lottery this week. But when you consider the odds of that happening, that isn't a realistic consideration. Put the odds heavily in your favor with this system.

KNOW WHO YOU'RE DEALING WITH TO ENSURE YOUR FINANCIAL SUCCESS

Before you dismiss this as impossible and click away, let's address a few critical assumptions that are being mis-applied to our financial landscape today. Once you understand these points, this method will make simple good sense.

It worked for me. I had put my trust in today's "conventional" wisdom rather than good old-fashioned, fundamental common sense. It was quite an eye-opener – especially the explanation about the value of the mortgage income tax deduction! Boy are people missing the boat on that! Be sure to check out that section below.

Stay focused on the solution presented here because it's so powerful and practical and delivers significant benefits for you. First, I have to share an important experience so you'll understand why I'm making this available.

I began working in the home finance world in the mid 80s and eventually worked for one of the world's largest financial services companies. I saw enough inside the industry to know fiduciary priorities aren't really as advertised. When I heard other 'advisors' saying to prospects that 2 out of 3 people in their practice group made money - and then off the phone saying, "two out of three make money alright... the firm is one, the advisor is two, sorry Mr Client..." - it didn't match my sense of humor.

Now, I know not everyone in the financial services industry is completely without scruples, but too many of these 'professionals' who say they offer services with your best interests in mind only care about your welfare as long as you can continue to be a money tree for them.

Even Arthur Levitt, the former chairman of the Securities and Exchange Commission said, "the industry has been changed to a marketing concept... and veered away from fiduciaries..." (Fortune, Nov. 24, 2003.)

The real beneficiaries of the refinance boom of the last decade have been the lenders and the mortgage reps who market the loans. Mortgage reps, whether independent brokers or in-house sales people, keep lists of their clients and go back to them every few years to sell them another loan. They make a nice commission on each new loan they sell, so they're highly motivated to churn their client base every few years.

Whether or not the new loan is really in the best long-term interests of the client is less important than the short-term gain for the rep and secondarily for the client.

If they sold a decent set of tools to begin with -- like what you'll acquire here and be able to utilize for a fraction of the price of one loan -- you might not need to refinance ever again!

I'm disgusted by an industry that hides the truth and overcharges for the services it provides and the results it delivers. I'll bet it disgusts you, too. Instead, I want you to have a clear, concise, step-by-step system that supplies the education and direction you need to achieve significant, profitable results. I want control of that system right where it belongs... in your hands. And I want you to receive this incredible value at an obscenely affordable price.

This powerful and innovative system for managing your cash flow, increasing equity and building wealth - without sacrificing your lifestyle in the process - does exactly that.

HAVE SOUND FINANCIAL PRINCIPLES CHANGED SINCE BABYLONIAN TIMES?

This 'financial methodology' springs from these three insightful codes, which you'll recognize:

"A penny saved is a penny earned" from Ben Franklin.
The Proverb: "The rich rule over the poor, and the borrower is servant to the lender."
"There are two types of people in the world: Those who understand interest and those who don't. Those who understand interest, receive it; those who don't, pay it." Anonymous.
Your lenders hope you never learn this important information: You don't have to make unnecessary interest payments to your lender. You can acquire the knowledge and power to pay off debt and build equity fast. For example, you can pay off a 30 year mortgage in 8 to 11 years, maybe faster. Without making any lifestyle changes.

Keep thinking-- paying down the mortgage is simultaneously creating equity. And think of the smart things I could do to conserve and grow that equity!!!

With this knowledge and power, you can live a life free of financial worry and your family's needs and desires can be easily met.

You don't need to be dependant on your creditors to maintain your lifestyle. You'll know how to use your creditors the way the wealthy use them – to your advantage. And they'll treat you with respect and deference, the way they do all their honored customers.

Does this describe your life?

Are you debt free? Is your mortgage paid off? Have you eliminated all those nagging credit card bills permanently?

How about this: Are you receiving more money in interest payments than you're paying?

Would you like to?

Do yourself a favor. Give your undivided attention to the next few minutes and learn about:

The Debt Elimination Method-Equity Builder (DEM)

The Debt Elimination Method-Equity Builder (DEM): a simple method you can use to retire mortgage and debt obligations faster than any other strategy in existence. Whether you want to pay off the mortgage or eliminate credit card debt and be debt free, or be able to build up equity FAST, this is the ticket.

This information is assembled and offered here so you can have information the banks don't want you to have; so you can break free from the chains of unnecessary interest payments and start building real wealth for yourself.

This superb methodology has been used for several decades by homeowners in Europe, Great Britain, Australia, New Zealand and elsewhere to pay off their home loans. It's reached our shores and thousands of clients have benefited from the effectiveness of this easy to implement methodology.

Furthermore, once they get it, most lenders actually embrace this method of re-payment because they're able to generate more loans to people with a solid financial foundation able to repay their loans.

In the next few minutes, you'll learn how you can make the above scene your reality faster than you ever imagined. You'll learn how you could pay off a 30 year mortgage in 8 to 11 years, possibly faster. In the process, you would save yourself tens to hundreds of thousands of dollars in interest charges that otherwise would be paid unnecessarily to your lender.

The Debt Elimination Method-Equity Builder (DEM) will guide you through a simple, self-administered evaluation process. You'll see the three examples for three specific scenarios, with case studies, that will serve as models you can use once you have all of your own data organized.

You'll be given guidelines for organizing your financial data and easy-to-follow instructions for using the software that will show you exactly when you'll be debt free and how much money you'll save. The actual amount you'd save depends upon your individual profile and how you execute the strategy. You'll receive contact numbers in case you need help implementing any of the strategies.

Take a look at one example, using numbers supplied by the National Association of Realtors:

The NAR cited that the average home purchase price in the US was $224,000 and the 30yr fixed interest rate was 6.6% for the 3rd Quarter of 2006. If you put down 10% when you bought the home, your loan amount would be $201,600 and your monthly payment would $1287.54. Your closing papers would show you that you were scheduled to pay your lender $261,914.40 in interest on the loan you just signed.

Here's a comparison of how much interest is paid on a $201,600 mortgage on a straight 30-year plan vs an alternative using the Debt Elimination Method-Equity Builder (DEM):

$201,600 mortgage Straight 30yr plan DEM SAVINGS
Interest to be paid $261,914.40 $71.652.28 $190,262.12
Time in debt 30 years 9 years 11 months 20 years 1 month

By executing the easy to follow steps outlined by the Debt Elimination Method-Equity Builder (DEM), if you were this happy homeowner, you would be able to build equity super fast and pay off the 30 year mortgage in 9 years and 11 months, saving over $190,000 in interest payments.

That's a savings of 73%! And that's money you'd be able to re-direct to activities of your own choosing rather than to the lender's bottom line.

What could the DEM do for you?

What would it mean to you and your family if you could save even 50% of the interest you're scheduled to pay your lender? That's a substantial amount of money! How much would it help with funding the kid's college tuition or enhancing your retirement portfolio?

There's no change or sacrifice to your quality of life, either. You'll enjoy life just as you always have. You learn to execute a few money management techniques slightly differently, which will enable you to save years off your pay back schedule and multiple thousands of dollars in interest charges.

After all, you work hard for your money. Wouldn't you prefer to decide how to spend MORE of what you make rather than watch it get eaten up by interest charges?

Imagine how much more equity you'll create for yourself - quickly and painlessly!!
Imagine how you'll increase your borrowing capacity for more smart investments - especially in appreciating assets!
Imagine how your credit score will improve - a natural bi-product of this fantastic methodology!
Imagine how much your net worth will increase as you re-apply these techniques on your expanding asset base!
Put the Debt Elimination Method-Equity Builder (DEM) to the test and see what it can do for you.

How does the mortgage interest income tax deduction really impact your bottom line?

Since when do you determine the quality of life by the size of your income tax deductions? Isn't the amount of discretionary income you have left at the end of each month or year much more important in determining the quality of life?

Many people seem to justify a larger mortgage because of the ability to write off mortgage interest from income taxes. Indeed it helps to be able to deduct interest while you have a mortgage, but you should make it a short term practice.

First off, free yourself from the myth the banks and mortgage lenders push so hard. Your house should not be treated as a glorified credit card. Consider how 'quality of life' is really impacted while you check this out:

Let's say you make $75,000 per year and after taxes and deductions you take home about $5000 per month. (If you make less, this is even more important.) Let's say you have a $201,600 mortgage and you make monthly payments of $1287.54 toward principle and interest.

The amount of mortgage interest you can deduct in the first year is $13,239.51, which lowers your taxable income to $61,760. According to the 2006 tax table for a single filer, you pay $12,001 in taxes on $61,760, so your total disposable income for the year was $49,759.

Now let's say you make $75,000 per year, but you don't have any mortgage payments because you own your home free and clear. The 2006 tax table for a single filer making $75,000 says you must pay, $15,339 in income taxes, so your total disposable income for the year equals $59,661.

At the end of the year, who has more money to spend on the things they want? Entertainment? Vacations? New car? Charities? Appreciating investments?

Mortgage paid off Person w/$201,600 mortgage
Gross Income $75,000 $75,000
Mortgage interest $0.0 $13,239.51
2005 taxable income $75,000 $61,760
2005 income tax paid* $15,339 $12,001
Total disposable income $59,661 $49,759
Difference in disposable income $9,902

(*rates taken from the 2006 tax table for a single filer.)

Which column would you rather be in? Sure you pay $3300 more in taxes if your home is paid off. But you end up over $9900 ahead at the end of the year in net disposable income! You have over 13% more of your own money to do with as you please!

Remember, this example describes the situation in year 1 of the mortgage when the mortgage interest deduction is the highest. In year 20 or 25 of the mortgage, you're still paying $1287.54 every month, but the amount of the interest you can deduct has dropped dramatically. Your disposable income at the end of the year remains the same, but your tax obligation goes up. And when you factor in what inflation does to the cost of living over 20 to 25 years…

Suffice to say, it makes great sense to pay off the mortgage as quickly as possible.

If you want, you can eliminate your mortgage.

Now you can. And you can do so without making any changes or sacrifices to your quality of life. The Debt Elimination Method-Equity Builder (DEM) eBook shows how right down to the last detail. You'll see how to –

Make your money work for you each month instead of the bank.
Re-arrange the way you pay your monthly expenses so you will retire debts years ahead of schedule – most clients are debt free in 8 to 11 years and some as fast as 3 to 5 years.
Execute a pay-off regimen that saves you hundreds of thousands of dollars in unnecessary interest costs – the average client saves over $120,000 in interest charges that would otherwise be paid to their lender.
Increase your borrowing capacity so you can purchase additional investment real estate, business interests, or other tax advantaged investments! (YES! This one's my favorite.)
Stop being abused by compound interest charged by your lender.
You come out miles ahead when you're not throwing good money after unnecessary interest charges.

Now, you can have detailed, step by step instructions and the easy-to-use software to guide you from start to finish. It's all in the "Debt Elimination Method-Equity Builder (DEM)" eBook available only from this website.

Everything you need to implement this methodology is right here. Clear. Concise. Complete. And at an insanely affordable price. Here's a taste of some of the guidelines that come in the Debt Elimination Method-Equity Builder (DEM) eBook:

How to assess your financial circumstances
How to take inventory and categorize your income and expenses
How the use of this method will improve your credit score and increase your borrowing capacity
Compare sample case studies using different individual profiles
How to enter your personal data into the software
How to construct and customize personal strategies
How to determine when your mortgage will be paid off
How much money you'll save
How to repeat this process and acquire investment real estate
How to develop 'rainy day funds' for emergencies or future events

The Debt Elimination Method-Equity Builder (DEM) is proven, guaranteed and loaded with support if you need it.

Your Money-back Guarantee!

You can search the internet and find others offering loosely similar facsimiles of this information for $99, $499, $1299 and $3500! They charge that much because they're paying nice commissions to their sales and marketing teams. You know how it is.

Well, not here.

This information is here for you to benefit from without all that superfluous nonsense. Simple. Straightforward. No added on costs to support a marketing infrastructure.

This is for you if you prefer to take control, make your own decisions and manage your own finances. The guidelines will help usher you through the process.

What's this information and software worth? It's different for everyone. Depending upon your financial circumstances - the size of your mortgage, the number of years you have left on the mortgage, your monthly cash flow - you could save yourself $50,000, $100,000, $200,000 or perhaps $500,000. How much could you save? You'll find out when you run your own numbers with the easy-to-use software.

But just so you have no risk whatsoever, if you have a mortgage and aren't able to save at least $1000, you can request a complete refund of the cost of this e-book. How's that for a return on your investment?

Speaking of your investment, you haven't yet learned what this money-saving, life-changing methodology will set you back.

Sit down and get ready for a shock!

All the step-by-step instructions and the easy-to-use software into which you plug in your personal data and receive a profile that shows how much time and money you save is available here. For a limited time, you can receive the entire Debt Elimination Method-Equity Builder (DEM) eBook at 50% off the standard price of $59.00, for the astonishingly low price of only $29.00.

Can you believe what a value that is? You don't need to pay the $3500 or $1300 or $499 or even $99 that others charge on the internet. That's absurd. This information needs to be in the possession of every single person making payments on a debt with an interest rate attached to it. Therefore, it's priced to as affordable as possible.

You read that right. The Debt Elimination Method-Equity Builder (DEM) is yours, here, now, for only US$29.00. (That's twenty nine dollars even. Just in case you think a zero is missing or the decimal point is wrong.)

You're guaranteed to save at least $1000. The average amount saved by clients across the country is over $120,000 and that average is rising as homeowners feel the push to refinance their interest only ARMs and find they can't.

This is the fastest way to build equity in property that you'll find anywhere. It beats bi-weekly programs by miles. It's hands down the best mortgage and debt elimination system available. Which means, it's also one of the best equity building tools you'll find.

Unless you've decided to make your lender your favorite charity or enjoy paying more than you have to for what you buy, why would you pass on the information in this e-book.

Now is the time: Take inventory. Design your solution. Execute the strategy! And if you'd like assistance with set-up and design of your solution, email the address below for a FREE consultation.

The complete instructions and software are available for you to download. You're guaranteed to save more than 34 times the $29 cost of the book, or $1000, or you can get your money back. And like I just mentioned above, if you need help finding $1000 in savings, contact me via email or phone below and I'll work with you to find it. I'd rather give you $1000 savings, but if we can't find it, you'll get your money back. No problem. You've got absolutely nothing to lose and tens, maybe hundreds of thousands of dollars to gain.

Get your Debt Elimination Method-Equity Builder (DEM) e-book now, while it's fresh on your mind and before you move on to another page and get distracted. It may be the smartest purchase you make this year.

NOTE: This e-book uses protection software from 'Secure E-book' to protect contents and software from piracy. It downloads as a Zip file that opens as an executable file into an e-book pdf file on your computer.

To get the Debt Elimination Method-Equity Builder (DEM) e-book, click the button below. The eBook is titled DEM on the purchase page -- Let your wealth building begin!