Did you know that after paying 15 years on your 30 year mortgage you still owe 90% of the amount you borrowed! After paying 24 years you still owe over 50%! On a conventional 30 year mortgage you'll make over 120 unnecessary payments!

Okay, so we have all heard that paying extra on your loans will save you money, but did you know that making your regular monthly payment at the right time of the month can do the same thing as paying extra every month? It's true! Just by making your regular payment every month can net you half or more of your payment being applied to the principal balance of your loan. This payment system works on any simple interest loan that you may already have from Home Mortgages to Credit Cards.

You may be reading this and thinking to yourself: I really do not want to pay something like my house off early because of the tax advantages. Are you really that ignorant? Come on! We have been sold a bill of goods by the Bank's and Lending institutions when it comes to the "tax advantages" of not paying off our homes. Why would someone want to pay tens of thousands in interest payments every year only to get what, maybe half or less of that back at tax time? I really do not know what kind of mentor you have had in your life concerning finances and investments, but if you buy into this philosophy I have some Ocean Side Real Estate in Florida I want to sell and Owner Finance for you! Please understand me when I say this. The best thing you can ever do in your lifetime is own real estate. "Own" is the operative word there. Once you own it you are virtually liquid. Once you own it, the property automatically becomes worth more. Better yet once you own it no one can take it from you without compensating you for it. Besides, who wants to be tied up in something for 30 years? I know I don't, and I never will knowing what I know about how Bank's and Lending Institutions work. I Rob the Bank's and Lending Institutions out of money every time I take out a loan. Better yet I do this by making my regular monthly payment. Oh don't get me wrong, I pay every dime I have borrowed back, I just pay it back in half the time, and all while making my regular monthly payment. Still Interested? Read on.

When I take out a loan I take it out for as long a term as I can. Why? I know that the loan is never going to full term and my payments are more manageable that way. Why would I take out a $100,00.00 loan for 15 years when I can get the same money on a 30 year note? My payment is going to be higher on a 15 year note and I know that taking the note to 30 years will be paid in 15 or less anyhow at a much more manageable payment. What if you have bad credit and your interest rate is high on a loan you are thinking about taking out? Well, can you manage the payment? If you have said yes that you can honestly manage the payment then do it. This payment system that I am talking about will show you how to cut your interest rate in half without ever having to refinance. Of course you are going to want to refinance after a year because your credit rating is going to go through the ceiling and you are going to have Bank's competing for your business. See, this is the best part of this system. You are Robbing the Bank's and Lending Institutions and they are going to beat your doors down after a year or so of having a loan to refinance you all while your credit rating is going up. This payment system is a winning situation for you, and information that Bank's really do not want you to know.

Let's do a small comparison on the old way of thinking  versus the new way of thinking of paying debt off early.

Old system says to make your regular payment then make extra principal payments every month. While this system does work who has the extra money every month to send in?

New system says make your regular monthly payment and apply at least half to your principal every month.

Old system says to make the term as short as possible to pay the debt off quicker.

New system says take the term as long as humanly possible to avoid getting yourself into trouble by not being able to make the payment. Who cares? It's going to be paid off in half the time anyhow while making the regular monthly payment.

Old system requires that you have good credit for the best interest rate possible.

New system does not care what the interest rate is because the rate is going to be cut in half without the Bank's even knowing what your doing.

Bottom Line: Anyone who has read this far must find what I have said  interesting or you would not be wasting your time. I know what I am talking about because I have used this system for over twenty years. It is a system I discovered completely by accident and it works everytime.

If your interested in knowing exactly how this payment system works email me through ebay's mail system and I will run an auction for you so you can learn this powerful system. I sell the information for $9.95 and will make it available on a buy it now auction. I will email you back the auction item number so you can get right to it through ebay's search engine.