How to Eliminate All Your High Interest Debt, Increase Your Cash Flow, and Escape Debt Prison – FAST! �The Shocking Facts the Banks and Credit Card Companies Don’t Want You to Know.
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ATTENTION HOMEOWNERS:
How to Instantly Eliminate All Your High Interest Debts
Here’s What You’ll Learn Today
How to Instantly Eliminate All Your High Interest Debts
Who is John Smith?
How to Instantly Eliminate All Your High Interest Debts
This seminar is NOT for everybody....
How to Instantly Eliminate All Your High Interest Debts
It's primarily for homeowners who have discretionary income and pay their bills but would like to be debt-free and financially secure while they’re still young enough to enjoy it.
How to Instantly Eliminate All Your High Interest Debts
Regardless of whether your credit is clean and you’re doing fine OR you’ve had some credit problems and you’re struggling, I can help.
How to Instantly Eliminate All Your High Interest Debts
By showing you how you’re using too much of your money just to service debt, I'll help you turn your financial situation around.
How to Instantly Eliminate All Your High Interest Debts
Consumer Debt is Reaching Epidemic Proportions!
How to Instantly Eliminate All Your High Interest Debts
My job is to break you out of that prison by exposing the shocking facts that banks and credit card companies don’t want you to know.
How to Instantly Eliminate All Your High Interest Debts
For starters...
How to Instantly Eliminate All Your High Interest Debts
Did you know that the real, effective interest rate on most home mortgages is about 100%?
How to Instantly Eliminate All Your High Interest Debts
For example, if you pay off your mortgage over 25 years at a 6% interest rate, paying monthly, you’ll end up paying for your house about two times!
How to Instantly Eliminate All Your High Interest Debts
On a $150,000 mortgage, your bank charges you $139,935.64 in interest!
How to Instantly Eliminate All Your High Interest Debts
Add that to the $150,000.00 you borrowed and you’ve paid $289,935.64 for that $150,000.00 mortgage.
How to Instantly Eliminate All Your High Interest Debts
Now that you know the truth, doesn’t it make sense to pay off your mortgage faster and reduce that HUGE amount of interest?
How to Instantly Eliminate All Your High Interest Debts
But your mortgage is only part of this financial scandal. If you have even an average amount of credit card debt, the interest you’re paying is equally shocking.
How to Instantly Eliminate All Your High Interest Debts
For example, let’s say you buy $2,000 worth of home furnishings on a card with 19% interest and you make the minimum 2% monthly payment. At that rate, it’ll take 265 months—over 22 years!—to pay for your furniture, and it will have cost you nearly $4,800 in interest!
How to Instantly Eliminate All Your High Interest Debts
Think about it: how are you ever going to get ahead when you’re paying over THREE TIMES what things are worth?
How to Instantly Eliminate All Your High Interest Debts
That's why it's so important to eliminate credit card debt as fast as possible.
How to Instantly Eliminate All Your High Interest Debts
The key to becoming debt-free faster is to change the way you pay your bills and use the value you've built up in your home.
How to Instantly Eliminate All Your High Interest Debts
As your mortgage specialist, I can help you to:
How to Instantly Eliminate All Your High Interest Debts
IMAGINE paying off all your high interest credit cards, reducing your total monthly bills and even having a month with NO bills to pay.
How to Instantly Eliminate All Your High Interest Debts
IMAGINE having hundreds of extra $$$$ every month to invest so you can have the choice to:
How to Instantly Eliminate All Your High Interest Debts
Plus, with reduced monthly mortgage payments, you won’t be forced to make the minimum payments on your credit cards. You may even be able to pay off your card in full EVERY month.
How to Instantly Eliminate All Your High Interest Debts
Suddenly, instead of paying THREE TIMES as much for your purchases, you’ll only be paying the sticker price.
How to Instantly Eliminate All Your High Interest Debts
That’s what life is like when you’re not in the “debt prison” created by your bank and credit card companies.
How to Instantly Eliminate All Your High Interest Debts
The only way to achieve such goals is to start investing at least 10% of your income.
How to Instantly Eliminate All Your High Interest Debts
And the only way you can afford to do that is to stop spending so much of your income just servicing high interest debts! You can start making this happen today, and I can show you how!
How to Instantly Eliminate All Your High Interest Debts
Yeah, but …
How to Instantly Eliminate All Your High Interest Debts
If you’re hesitant to think about refinancing your home, that’s perfectly understandable.
How to Instantly Eliminate All Your High Interest Debts
Well, let me put your mind at ease. I’ll take care of the whole thing for you so refinancing your home is quick, easy, painless and EXTREMELY worthwhile.
Here’s the story of just one of the people I’ve helped recently…
How to Instantly Eliminate All Your High Interest Debts
Put your client success story here….
How to Instantly Eliminate All Your High Interest Debts
OK, so you’re wondering, “Why didn’t my banker ever tell me any of this? Why have I been paying all this money all these years and nobody ever told me there was a better way?”
How to Instantly Eliminate All Your High Interest Debts
Well, I’m here to tell you that smart mortgage refinancing IS the better way.
How to Instantly Eliminate All Your High Interest Debts
Here's why you don't want to procrastinate on this...
How to Instantly Eliminate All Your High Interest Debts
Almost a MILLION personal bankruptcies were filed in the year ending June 30, 2008, up 30% from the same period a year earlier. (Source: US Courts)
How to Instantly Eliminate All Your High Interest Debts
Tax Freedom Day for 2010 was April 3. This means the average person worked the first 93 days of the year just to pay taxes (for a total average effective tax rate of 30.8%). In 1900, Tax Freedom Day arrived January 22, for an effective average total tax rate of 5.9%. (Source: Wikipedia)
How to Instantly Eliminate All Your High Interest Debts
From 1996 to 2006, total household debt (including home mortgage and consumer credit) grew by 147%, from $5.19 trillion to $12.82 trillion. (Source: Global Policy Forum with data from U.S. Federal Reserve)
How to Instantly Eliminate All Your High Interest Debts
Nobody likes to think they’ll spend their Golden Years in poverty. But consider this: nearly 28 million U.S. households—37% of the total—do not own a retirement savings account of any kind.
In 2004, the majority of Americans who were within 10 years of retirement had saved $88,000, which translates to about $650 a month to cover living expenses. About half of seniors now depend on Social Security to cover at least 50% of their living expenses.
How to Instantly Eliminate All Your High Interest Debts
In 2005, Americans spent 18.45% of disposable income on debt payments. Remember, that money isn’t being used to pay the debt off, it’s just keeping up the interest payments! In 2000, average household credit card balances stood at $7,842. That figure rose to $9,312 in 2004. One in four households is either behind on card payments or over the credit limit on at least one account. (Source: U.S. News)
How to Instantly Eliminate All Your High Interest Debts
By making the minimum payments on a $4,000 credit card balance, it’ll take almost 42 YEARS and over $14,000 to pay it off!
How to Instantly Eliminate All Your High Interest Debts
By following the advice in this seminar, here’s what could happen to you instead:
How to Instantly Eliminate All Your High Interest Debts
If you cut the cost of servicing your debt in half and invested the money you saved at 8%, you could have over $1 MILLION for retirement in 25 or 30 years!
How to Instantly Eliminate All Your High Interest Debts
In other words, you can become financially free without working harder, changing careers, taking risks or winning the lottery.
How to Instantly Eliminate All Your High Interest Debts
All you have to do is re-engineer your debt and start investing for your future.
How to Instantly Eliminate All Your High Interest Debts
Here’s what’s involved:
How to Instantly Eliminate All Your High Interest Debts
Here are ten questions to help you to determine if you could benefit from smart mortgage refinancing.
How to Instantly Eliminate All Your High Interest Debts
Debt-reduction Quiz:
How to Instantly Eliminate All Your High Interest Debts
If you answered yes to even a few of these questions, you’re a strong candidate for smart mortgage refinancing.
How to Instantly Eliminate All Your High Interest Debts
Every day you continue overpaying interest on your debts, you make it that much harder to get ahead. But you don’t have to work harder. All you have to do is make your money work smarter.
How to Instantly Eliminate All Your High Interest Debts
Get started today by completing your Debt Analysis Worksheet.
How to Instantly Eliminate All Your High Interest Debts
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How to Instantly Eliminate All Your High Interest Debts