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"401A FOR MY NEIGHBORHOOD"
THE MATHEMATICS OF
CAPITAL FORMATION
& RECOVERY SYSTEMS:
401A "MY NEIGHBORHOOD"
introduction
of our
"LIKE BEING YOUR OWN BANK"
This is a program guided by the principles
of Pure Competition, and Free Enterprise
It is like building a MINI-STOCK MARKET
in our own community.
INVESTING IN A 401A LATINO
" THE PLAN"
"BUYING OUR OWN MORTGAGES BACK"
$17.5 trillion dollars in Mortgages Nationaly
TO DISH FROM.
Welcome to our highly interactive web site!
HECTOR A
SAENZ .COM
PRESENTING YOU
Three ways we can be of service to you:
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"My Home & Loan Lotto-Club"
Our commitment is...
Our commitment at
"My Home & Loan Lotto-Club"
will always be our Community.
OUR OWN
"SAVINGS & INVESTMENTS PLAN"
OUR "401K MY NEIGHBORHOOD"
This is a program guided by the principles
of Pure Competition, and Free Enterprise.
The main mission of hte Club is to generate savings first,
induce investments second, and thirdly to provide an adequate economic vehicle and enviroment for the club's
members - who are the owners, the money savers, and in the eventuality the investors of their own savings in their own Home
Mortgages - to do find the investments product - THEIR OWN MORTGAGES - where they can preserve
as well as to further advance affordable housing where to pass safely all their economic resources - THEIR
SAVINGS - in a secure and profitable, and well orginized way and fashion. With this purpose in mind we
- at the Club - have created a product and made favorable underwriting enhancements for attain affordable housing properties.
As a matter of fact, we have dedicated a great deal
of our time, and of our resources to make the acquisition, preservation and advancement of single and multifamily
affordable housing...a first priority at "My Home & Loan Club", and for it's Membership and their families and neighborhoods...
as our next in line priority.
We set our outmost important commitment and our main focus
on: 1) The creation and development of Mortgage products for adequate, accessable, and simply affordable housing for
our members. 2) To provide favorable access, and lenient underwriting enhancements for affordable housing which
will allowe us to bring more than $ Millions to this - our local communities's - markets on an annual basis
- Check for details with "My Home & Mortgage Club's...the application of the National Economic Multiplyer
Principle" to our own newly created system .
We select our members and we select our
properties to make sure we have rents affordable to those at or below our area's median income, and tenants are not only not
paying more than 30 percent of their income for shelter, but also our system - through the creation of this financial
instrument... - our Mortgage product - provides our Members
- as an added benefit - the oportunity to build up some capital formation - the recovering of as much as 85% of
their "P&I invested during the life of their loans - which they will have to pay to a third party mortgage holder
- along the time which may be 15 - 20 - or 30 years, this is our best program's feauture; we call it "Years of Capital &
Interest recovery plan".
In the mean time check
this out...
And let me know if it is
not worth it to learn what we can do about it.
The Author
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CAPITAL FORMATION & RECOVERY SYSTEMS:
TWO WAYS BY WHICH YOU CAN …BENEFIT FROM BEING A MEMBER OF
"MY HOME & LOAN LOTTO-CLUB"
… here is your 401K MY NEIGHBORHOOD …
1. AS A MEMBER:
You can get to share in equal parts the profits the Club gets from all the economic transaction it will be involved in.
a. Your monthly Membership Fee & your
added investment will measure your ownership in the form of shares of Stock or Bonds of the Club. These shares of Stock &
Bonds are redeemable.
b. The Club will partly own its share of
the Real Estate & Mortgage Companies to cater the Club’s needs –
Selling & Purchasing their homes among of the Club’s Membership - where service charges will always be applied to
every transaction in the form of Closing Cost. You as a Member of the Club will be partly owner of those companies –
therefore you will also partly participate in the profits of those companies, to the extent of your Club’s share of
ownership; meaning your shares of Stock & Bonds you own at any given time of the Club’s assets.
2.
AS A “MY HOME & LOAN LOTTO-CLUB" WINNER: You can get
to be selected to have your old MTG. to be refinanced by the economic resources of the Club, or you could get to Purchase
your first HOME with the assistance of the monetary resources of the Club.
The “My Home &
Loan Lotto-Club Winner” is the Club Member who will be randomly selected -out of the whole Membership of the Club -
to be the one Member from whom the club will have to buyback – Refinance - his or her mortgage from other Banks or Financial
institutions; or for this randomly selected Club Member to become a First Time Home Buyer, through the assistance of the monetary
resources of the Club, and this can be done in the following manner…
A. If you are a First Time
Home Buyer, the Club will assist you with all the closing cost and will give you a 80% First Mortgage, plus a 20% second Mortgage
to a dully qualified Home buyer. Your access to the financing of this Purchase is your winner’s first price.
B. As a winner of the random
selection process, you will be rewarded, by receiving back 25% of the Interest paid on your monthly mortgage commitment to
the Club. The other 75% of the interest earned on your mortgage will be distributed among the Club’s Operation Expenses
and all of the Membership – including you. All of these as per Club’s Administrative Regulations.
C. You will have the same
1. & 2. of the profit sharing of as a MEMBER - as mentioned above -, and
also you will participate in the sharing of the profits earned by the Real Estate & Mortgage Brokerage firms in charge
of all the Economic transaction involved by the Club’s Selling and Buying homes for the Members of the Club. Those closing
cost and related services will shed a profit for the Club, and in turn - as a Club Member - you are entitled to participate
in the sharing of those profits too.
All
you have to do is become a member of the Club and Bingo!!... you are ready to go. It
will take some time to understand and digest this system, but all in all we the community neighborhoods and the inhabitants
of them will be a lot better off in time as the mass of money transfers get to grow to a substantially efficient amount.
Don’t hesitate and get
started, send us your E-Mail and pass on the Word, for we need between 2000 to 20000 members per Club to make it work in a
high level of efficiency. See System working Plans available.
For additional reading you can go...
"THE MICRO & MACRO ECONOMIC
ASPECTS OF THE PLAN"
CLICK ON THE LINES BELOW
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SELECTING AN INVESTMENT PLAN THAT WORKS FOR YOU.
These are a series of Investments Plans you as a Club Member will enjoy and
select at your own desire, in addition to your monthly MEMBERSHIP FEE.
To select for suitable Investment PLAN.
click the Blue line below
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WHAT IS "MY HOME & LOAN LOTTO-CLUB"
OUR OWN
"SAVINGS & INVESTMENTS PLAN"
"401K MY NEIGHBORHOOD"
This is a program guided by the principles
of Pure Competition, and Free Enterprise.
MAIN OBJECTIVES:
1.-GET TOGETHER A MASS OF NEIGHBORING PEOPLE WHO LIVE WITHIN ANY GIVEN COMMUNITY TO
FORM A CLUB TO START WORKING TOWARDS THE RECOVERY OF ALL THAT MONEY WE INVEST IN OUR HOMES ON THE MONTHLY BASIS
IN THE FORM OF "PRINCIPAL & INTEREST" INCLUDED IN THE MONTHLY PAYMENT OF OUR MORTGAES. GREAT IDEA...IS IT NOT?
2.- ONCE WE START THE CLUB, WE CAN BEGIN SAVING - ALL OF US TOGETHER - ON THE MONTHLY
BASIS A GIVEN QUANTITY OF MONEY TO PURCHASE OUR OWN HOMES & MORTGAGES BACK.
3.- ONCE WE START BUYING - WE HAVE ALL BECOME INVESTORS AT THIS POINT -
A HOME OR REFINANCE A GIVEN MORTGAGE, WE WILL SELECT - THROUGH A RANDOM SELECTION PROCESS AMONG ALL THE CLUB MEMBERS
-. A WINNER WILL BE SELCTED AND WE - THE CLUB'S MEMBERS - ARE GOING TO ASSIGN HIM OR HER WITH THE PRICE OF A NEW PROPERTY
- A HOME - OR A NEW MORTGAGE TO REFINANCE. THE HOME IS ACTUALY BEING BOUGHT BY THE WINNER AS WELL AS THE
NEW LOAN - THE OLD MORTGAGE IF REFINANCING - IS BEING BOUGHT BY THE WINNER JUST THE SAME. THE DOWN PAYMENTS
AS WELL AS THE CLOSING COST ON BOTH THE TRANSACTIONS WILL BE PROVIDED BY THE CLUB - USING THOSE
GENERATED FUNDS AT THE TIME THE MONTHLY FEE AND THE ADDED INVESTMENTS ARE COLLECTED -AND TROWN AGAINST THE NEW
MORTGAGE ON EITHER CASE.
THE CLUB WILL BE FUNDING THE NEW LOAN'S DOWN PAYNMENT ( IF THERE IS ONE
) AND THE CLOSING COST IN EITHER CASE. THE WINNER WILL ONLY OBTAIN - WIN - THE ACCESS TO THE NEW PROPERTY OR WIN ACCESS TO
THE REFINANCING OF HIS OR HER OLD MORTGAGE - WHEN HE OR SHE ENTERS INTO THE RANDOM SELECTION PROCESSS - . THIS PER SE WILL
BE THE PRICE HE OR SHE WOULD HAVE WON OUT OF THET PARTICULAR RANDON PRCESS EVENT. THIS IS NOT A LOTTERY NOR A PYRAMID;
THIS IS HEALTHY AND WELL ORGANIZED FORM OF REDISTRIBUTING ALL THAT MONEY WE WILL BEGIN TO EARN THROUGHOUT
THE WHOLE RECOVERY PROCESS ALONG THE ECONOMIC ACTIVIITIES OF THE CLUB.
FROM HERE ON THERE WILL BE A NEW WINNER WITH A NEW LOAN TO REPAY AND HE OR
SHE WILL DO THAT REPAYMENT TO THE CLUB'S MEMBERS; FOR THEM ALL HAVE APPORTED AND ARE THE OWNERS OF THE NEW CAPITAL INVESTED
TO PURCHASE SAID HOME OR MORTGAGE, WHICH WILL BE DISCUSSED LATER ON IN MORE DETAIL.
4.- WHEN THAT NEW LOAN BEGINS TO BE REPAID BY THE NEW WINNER - ON THE MONTHLY BASIS
-, THAT MONEY IN THE FORM OF INTEREST AND IN THE FORM OF A CHUNCK OF CAPITAL OUT OF EVERY MONTHLY PAYMENT
WILL BELONG TO ALL THE CLUB'S MEMBERS, AND IT WILL BE SHARED - ACCORDINGLY TO RULES AND REGULATION IMPOSED BY THE
CLUB - AMONG ALL THE CLUB MEMBERS PROPORCIONATELY AND ACCORDINGLY TO EVERY CLUB MEMBER'S AMOUNT OF "OWNERSHIP" OF THE
CLUB'S SHARES OF STOCK OR BONDS WICH EVER IS WHAT EVERY MEMBER BUYS AT THE TIME HE OR SHE MAKES HIS OR HER MONTHLY FEE
PAYMENT AND ADDITIONAL MONTHLY INVESTMENT.
5.- THIS RECOVERED MONEY WILL BEGIN TO COME BACK TO THE CLUB'S MEMBERS INDIVIDUALLY
IN THE FORM OF DIVIDENS ON THE MONEY THEY HAVE INVESTED IN THE CLUB. TO BE EXPLAINED LATER ON IN MORE DETAIL. FOR NOW SUFICIENT
IS TO KNOW THAT THE MONEY WILL BEGIN TO COME BACK. WE ARE THE INVESTORS AND AT THE SAME TIME WE ARE "THE DEBT PAYERS",
WHICH BY THE WAY THIS MAKES IT A SOUND INVESTMENTS TO BELONG TO THE CLUB; FOR WE ARE THE GUARANTORS AS WELL AS
WE ARE THE PROTECTORS OF THE DESTINY OF THOSE LOANS. THAT IS JUST GREAT!
BOTTOM LINE, IT PAYS ALONG THE TIME TO BELONG TO THE CLUB AND AS LONG AS WE HELP OUT
TO BUY ALL THAT MONEY BACK WE WILL BE CREATING A CASH LIQUIDITY WHICH DID NOT EXIST NOR WE HAD BEFORE, AND THAT
ALONE IS PROGRESS. IN TIME WE WILL HAVE AN ENOURMOUS AMOUNT OF ASSETS IN OUR CLUB'S COFFERS, AND ALL OF IT BELONGING TO THE
CLUB'S MEMBERS.
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"LOTERIA MI
CASA Y MI HIPOTECA"
NUESTRO PLAN DE
"AHORRO E INVERSION"
401K LATINO
BASIC REQUIREMTS TO BELONG TO THE CLUB:
1.- FIRST OF ALL, YOU HAVE TO HAVE THE WILLINGNESS TO DO SOMETHING CONSTRUCTIVE AND BENEFICIAL TO
YOURSELF, YOUR FAMILY AND YOUR COMMUNITY WHERE YOU LIVE IN.
2.- YOU OUGHT TO HAVE A MORTGAGE TO RE-PAY ON THE MONTHLY BASIS, AND YOU HAVE TO BE PRE-QUALIFIED TO
REFINANCE SAID MORTGAGE.
3.- IF YOU DON'T HAVE A HOME....YOU OUGHT TO BE PRE-QUALIFIED TO OWN , OR TO PURCHASE A HOME.
4.- FOR THIS YOU HAVE TO HAVE A GOD CREDIT SCORE, A JOB AS WELL BANKING REFERENCES, JUST ALL THOSE
REQUIREMENTS ANY REGULAR BANK WILL ASK YOU FOR.
5.- IF YOU DON'T HAVE A HOME, YOU WILL HAVE TO QUALIFY FOR FIRST TIME BUYERS.
6.- IF YOU HAVE A HOME WITH NO MORTGAGE, YOU ARE MORE THAN QUALIFIED TO BELONG TO THE CLUB.
7.- YOU WILL HAVE TO BELONG - TO LIVE WITHIN -TO THE COMMUNITY WHERE THE CLUB WILL SET ITS PREMISES
TO CARRY ON ITS ECONOMIC ACTIVITIES. THIS CAN BE CONSIDERED CITY WISE, OR ZIP CODE WISE, OR NEIGHBORHOOD WISE.
8.- YOU HAVE TO BE WILLING TO COOPERATE IN EVERY ACTIVITY THE CLUB WILL CARRY ON TO ENHANCE ITS
CREATION, ORGANIZATION AND ADMINSTRATION; FOR THE CLUB WILL ACT TO ITS MEMBERSHIP JUST LIKE ANY REGULAR CREDIT UNION
WILL DO TO THE FIRM THEY BELONG TO.
BOTTON LINE, WE HAVE TO HAVE SOME KIND OF COMMON DENOMINATOR RELATED TO THE COMMUNITY WE LIVE
IN, BE SOME HOW QUALIFIED TO ENTER ALL THE ACTIVITIES THE CLUB WILL CARRY ON WITHIN THE COMMUNITY, AND MOST IMPORTANT OF ALL
- WE OUGHT TO BE WILLING TO FACILITATE A HEALTHY ECONOMIC GROWTH THROUGHOUT THE COMMUNITY WE LIVE IN FIRST AND
IF THERE IS ROOM FOR EXPANSION TO THE REST OF OUR NEIGHBORING AREAS
WITHIN THE CITY OR STATE WE LIVE IN. IT IS NO TO MUCH TO ASK OR IS IT?
NOW, AT THIS POINT YOU WILL ALREADY KNOW WHETHER YOU WOULD LIKE TO BELONG TO THE CLUB OR NOT. DESPITE
THE FACT OF THE BRIEF AMOUNT OF INFORMATION WE HAVE GIVEN YOU, YOU OUGHT TO HAVE AN IDEA OF WHAT IS THAT WE INTENT TO DO.
I F YOU ARE WILLING TO CONCIDER BECOMING A MEMBER, WE WOULD LIKE YOU TO LET US KNOW SO BY USING OUR HYPERLINK
"CONTACT ME" AND SEND US YOUR CONCERNS.
THIS IS SORT OF A SURVEY TO DETERMINE THE QUANTITY OF PEOPLE INTERESTED
IN OUR PROGRAM. WE NEED -APROXIMATELY- BETWEEN 2K TO 22K MEMBERS TO CARRY ON WITH A RAPID AND ACCELERATED RATE OF GROWTH.
ALL DEPENDING ON THE DIFFERENT MEMBERSHIP FEES - THEY RANGE FROM $30.00 A MONTH ON UP -,
AND THE DIFFERENT INVESTMENTS OPTIONS - WHICH ALSO RANGE FROM $50.00 ON U P - EVERY MEMBER WILL
HAVE TO CHOOSE FROM TO SET HIS OR HER OWN SAVINGS GOALS.
YOU ARE INVITED TO CONTINUE READING THE REST OF THE PROGRAM. IF THERE IS ANY THING YOU
DON'T UNDERSTAND OR YOU NEED TO HAVE A CLARIFICATION FOR, PLEASE, FEEL FREE TO WRITE US. WE WELCOME BRAINSTROMS, FOR
THEY ARE HEALTHY MEANS OF GETTING BETTER INFORMATION.
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How
the “My Home & Loan Lotto-Club” works:
"LOTERIA MI
CASA Y MI HIPOTECA"
NUESTRO PLAN DE
"AHORRO E INVERSION"
401K LATINO
To begin with, the
club is a legal person or legal entity which is used as a vehicle to carry on with all the legal, social-economic and political
activities of the Club will carry on within a given social environment or community. In
other words, the Club is a non-profit organization destined to create, oversee, organize, and administer all Clubs Membership
activities. As a non-profit organization, the Club possesses many members-benefits,
such a tax shelter and a better neutral and non-partisan decision making process, as well as non-biased random selection process,
for it will have to use one of the kind. All these mechanisms will be instituted to carry on with the Club’s main objective;
which is to buy back as many as we can…of our Home Mortgages. Simple as
it can be. We want to be the funding institution for our own home mortgages.
To become our own banks, put in another way.
Besides this original
tax shelter, there will be others such a a SUB-CHAPTER 1120 - which is a direct personal tax shelter per individual investor,
as well as other tax shelters such as if we can get it, a tax collection deferral - as the one applicable to all 401K - for
the respective individual investments. Plus the new tax exemption or deferral for the dividends tax on the yearly collection.
All Members to the
Club will have to pay the Club a Membership Fee on the monthly basis to become and stay a member. Along with an initiation
fee at time of registration and, also along with the monthly fee all members have the right to make additional investments
of any quantity, accordingly to everyone’s own decision’s investment plan of their own selection. This Investments Plans will very in duration and monetary participation.
Those mortgages we
are aspiring to buy back will come in different forms and sizes. But the point is that we will pretend to buy back that particular
mortgage back, and make part of the Club’s Membership’s inventory. The
acquisition of the old mortgage through a refinancing, or the creation of a new mortgage through the purchase of a home with
the assistance of the Club will be the two vehicles to use to do just that. Therefore, all the investments plans will be subject
to the total cost of the creation of the new mortgage or to the total cost of the refinancing, will very accordingly to the
actual market value of every property in question.
One home will require
“x” amount of Dollars to create a new mortgage or to do the deal. The
same is applicable if we are to do a refinancing. This “x” amount
of total cost will be, sort of speaking, the total investment required to do that particular deal. Therefore, that will be the quantity of money the Club will have to raise to back up – do the funding
- for such transaction.
Up to this point
we find the Club looking for investors to pool their resources to do this type of activity. There will be as many Investments
plans as many members to the Club’s Membership possesses and accordingly to each s own decision, on how much they want
to spend on the monthly basis to carry on with these transactions. See the following
schematic to understand my point…
When you are reading
this schematic, try to understand that the need of one factor may be directly or indirectly proportional – or needed
– to the existence of any another factor, or factors. Pay close attention to the detail…it is very important.
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THIS IS THE WAY IN WHICH "OUR SAVINGS AND INVESTMENTS PLAN" - "401K MY NEIGHBORHOOD" - SHOULD
AND WILL WORK:
We are
going to begin with the assumption that each of us will have to get used to the idea of making some savings and some investments on
the monthly basis. We are going to committ a given amount of money on the monthly basis and we are going to sustain
such savings and invetment attitude for as long as we can; without taking any of it out for no rason at all - unless
an emergencia or something valid and with a lot of merit to do it otherwise - until the property is sold
or lost otherwise.
Our commitment with the Club will be that of
making Membership Fees monthly payments and in addition a given constant amount of money - as small or as large
an amount as we wish - in the form of "Monthly Savings". With these collected funds we - the members - are going to be
buying "Rights of ownership" - shares of stock and Bonds if you wish - of, and from the Club. This is the link
that will give us access and ownership rights to all the economic activities - namely paying operation expenses, buying Homes,
and creating new Mortgages from and for us the members of the Club - of the Club onto our neighborehoods and communities.
With the collected funds we are going to buy Homes and refinance our old mortgages - we currently are paying to
some other financial institucion outside our own communities. Our outmust
demanding and highly imperative main objective for us is to "buy back" - for our own benefit...us the Membership - all
those mortgages we are paying out the reach of our own communities on the monthly basis. In the mean time Follow me...
There
may be different programs and they are the following to begin with:
1. The
Monthly Fee will be the same for averybody..$20.00 a month…since day one one becoms a Member to the Club.
2. The
monthly amount of investments will be chosen by each of us accordingly our own Investment capacities and accordingly to the
Club's rules and regulations. Those programs can be of the following manner:
"OUR SAVINGS AND INVESTMENTS
PLAN"
OUR "401K MY NEIGHBORHOOD"
Available
Programs: $30.00- $60.00-$100.00-$$150.00-$200.00 and much more if you wish.
Commited to at least for the first 5 years.
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“My
Home & Loan Club” programs: |
1ro |
2nd |
3ro |
4to |
5to |
6to |
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Investment
/Monthly |
|
$30 |
$60 |
$100 |
$150 |
$200
|
$1000 |
Interest % |
|
6% |
6% |
6% |
6% |
6% |
6% |
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No.payments
per year |
|
12 |
12 |
12 |
12 |
12 |
12 |
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1 Person
/Per year |
1 |
$370 |
$740 |
$1,234 |
$1,850 |
$2,467 |
Totales accumulados |
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10 Persons
/Per year |
10 |
$3,701 |
$7,401 |
$12,336 |
$18,503 |
$24,671 |
para los |
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100Persons
/Per year |
100 |
$37,007 |
$ 74,013 |
$123,356 |
$185,033 |
$246,711 |
Siguientes
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1000Persons
/Peryear |
1000 |
$370,067 |
$740,134 |
$1,233,556 |
$1,850,334 |
$2,467,112 |
Programas |
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Total
$$ amount of money we need to purchase a 100%financing
of a Mortgage. Plus: |
$210,000.00 |
Valor
de la vivienda. |
|
Cs/CtFct(7%)+AdmCt(2%): |
$11,621.00 |
Closing
cost + Down Payment (if any) |
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Total
Cost for the Purchase: |
$221,621.00 |
Mortgage. |
$221,621.00 |
Dollars per Mortgage. |
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How many
Member (X) do we need to purchase a Home and we need to create a New Mortgage of $221.6K - if we charge (Y) per member? |
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Assuming the
Old Mortgage may between $150K to the actual value of the New Mortgage.
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(Y) Monthly
Amount = |
$30 |
$60 |
$100 |
$150 |
$200 |
$$ P/Mes |
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(X)No.
Members =. |
7,387 |
3,694 |
2,216 |
1,477 |
1,108 |
No.Members |
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Up to
this point we should already know which is going to be our individual program…where("X") is the number of Members
to each pay monthly amount...("Y").
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As in
our previous example, how much money do we need to purchase a Home or a Refinancing of $210,000.00 Dollars, which will
create a new Mortgage of $221,621.00 in value, for a period of time ("Z")
in years, which can be of 15-20-30 years; and with an interest rate of (“I”) which can be fix or can
be variable; accordingly to each case in question.
Axiom,
the number of Members needed will be indirectly proportional to the amount of investment each member will be making
on the monthly basis, and vice-versa...the least the amount of investments the more Members we will need to carry on with
at least one monetary transaction. we the Members will be better of by being less the number of Members.
For all those who are interested in learning
about the Micro and Macro-Economic effects of these monetary movements in our communities and at Natinal level please click
on the following hyperlink...and enjoy it...
GEOMETRICAL ECONOMIC GROWTH
(INGLISH & ESPAÑOL)
CHECK IT OUT CLICK ON THIS LINE |
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AS
A REAL LIFE EXAMPLE OF
"MY HOME & LOAN CLUB"
OUR "401K MY NEIGHBORHOOD"
INTRODUCTION LETTER.
What "My Home & Loan Club" means and how it works.
"My Home & Loan Club" is a social gathering were people - mostly neighbors - get together
to pursue objectives of common denominations most of the times. This "Club" is one of those cases, where the common goal is
to recover all the money we, as a group, can get back from our monthly MORTGAGE payments. Out of your monthly Mortgage
payments a large quantity of "DOLLARS" is denominated "INTEREST", and most of that money never comes back to us at all.
Figure this out...: You pay $1206.00 for your House monthly mortgage payment, and that payments is
divided in the following form:
1.- "Principal & Interest" (assumption) $806.00
2.- Taxes & Insurances (Escrow)
$400.00...
In numbers (1) assume $756.00 are interest only and $50.00 is principal (capital borrowed).
Throughout the life of your loan - which may be 20 , 25 , 30 years... Assume 30 years which is equal
to 360 monthly payments. Now how much money, in interest alone, you will pay in those 360 month?
Simply... multiply Interest $756.00 x 360 = $272,160.00 Dollars which you will never see back
again. Unless, you could get some of it back when you file your 1040 tax return at the end of every year - conditioned
to the bracket you pertain to -...and that only if you had to pay any taxes, if you did not... you don't get any of it back
at all.
THE WAY IT WORK IS DESCRIBED BY THE FOLLOWING TABLE:
Example of Comparative analysis...
"THE REAL AMERICAN DREAM"
Once again, but this a is a real daily life situation:
Let's assume you purchase a home value $120,000.00 Dollars, and you come
up with $20,000.00 down payment. Your mortgage balance will be $100,000.00 Dollars.
"$100,000.00
Mtg. at (PR) 6% Interest will pay (X) total at maturity : Which means you will have to pay back a grand total of the following figures until your last payment
date.
"Conventional" System
| 10 Yrs
| 20Yrs | 30Yrs
|
|$133,200.00 |$188,640.00 |$216,000.00|
In a "Conventional" System, None of this money
is yours; all of it belongs to a third party - a Bank or Financial Institution - not known to you or
by you - , only Your Home and it's "Plus value" belongs to you.
"THE REAL AMERICAN DREAM"
With the "Home & Loan Club" System
| 10 Yrs
| 20Yrs |
30 Yrs |
|$133,200.00 | $188,640.00 |$216,000.00 |
In our "HOME & LOAN CLUB" System at least 85% - assuming 15%
for Club's operational expenses - of those total monies will come back to the club members. All those monies belong
to the Club's Membership; Plus all other Club's benefits - originated on the fact that the Club will be holding
those interest earned and those capitals recovered -, Plus your physical Home and your home's Plus Value. It is all
real...it belongs to the Club's Membership...back to your savings accounts and in turn to your neighborhood's;
if you see it closely fueling a grand local economic expansion. Once again....remember....that.....
Our Club's main goal or objective is simple,
we get together in the form of a Club to pool our money to buy our own Mortgages back; by doing so - all those interest -
we are paying someone else will come back to all of us members of such Club. This is exactly like... "IF YOU PLAY
WEEKLY LOTTERY, OR IF YOUR ARE PAYING
YOUR HOME MORTGAGE IN A BIWEEKLY FASHION, YOU
WILL CERTAINLY SPEND SOME ADDITIONAL MONEY "TODAY", AND YOU WILL
ONLY MAY GAIN - FOR THE PROBABILITIES ARE VERY LOW - SOME
MONEY AND SOME TIME "IN THE FUTURE"; BUT YOU WILL NEVER RECOVER ANY
OF THE MONEY YOU INVEST - IN THE FORM OF A MORTGAGE'S "PRINCIPAL AND INTEREST... "-
WHICH
YOU WILL HAVE TO PAY DURING THE ENTIRE LIVE OF YOUR LOAN...ON THE MONTHLY BASIS.
BELIEVE ME, THIS IS A FACT OF LIFE. "WITH THE CLUB YOU WILL RECOVER THAT MONEY BEGINNING TODAY, WITHOUT OUR CLUB YOU CERTAINLY
WILL NEVER SEE THAT MONEY BACK AGAIN.
This leaves you with two options...
Option one, you stay as you are, waiting
to win the State lottery, 1 in 12 million probabilities, and or to reduce your mortgage amortization maturity time by 8.2
years by making biweekly payments on your mortgage..., make numbers and see the difference. Besides, you spend much more this
way if you come to see it closely.
Option two, you come along with us
joining our club and start getting your Principal & Interest money back, and along the way you can grow -socially -economically
and otherwise...in stature and within your own community. You owe it to your self, to your family and to your community
FOR MORE ABOUT WHAT WE ARE AND HOW WE WORK
PLEASE GO TO THE THE FOLLOWING WEB SITE
PAGE:
"THE MICRO &
MACRO ECONOMIC ASPECTS OF THE PLAN"
The Author...
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REGISTER TODAY AND BECOME A NUMBER...
YOU ARE NOT INCURRING ANY COMMITMENTS NOR ARE GETTING INTO A DEBT WITH US OR ANY OF OUR CLUBES.
YOUR ARE ONLY DECIDING AND HELPING US TO DETERMINE AN ADEQUATE NUMBER OF MENBERS - QUORUM - NECESSARY TO OPEN ONE OF OUR CLUBES,
THEN...YES WE WILL HAVE RULES AND REGULATION IN PLACE TO FOLLOW UP. IN THE MEAN TIME, FEEL FREE TO COOPERATE WITH
US AND GIVE US YOUR VOTE OF TRUST AND CONFIDENCE IN THIS MATTER BY REGISTERING WITH US FOR A FUTURE OPENING. ALL WE NEED TO
KNOW AT THIS POINT IN TIME IS IF YOU ARE INTERESTED IN THIS KIND OF PRODUCT.
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