Welcome to our highly interactive web site!
MY HOME & LOAN LOTTO CLUB
THIS IS A PROGRAM GUIDED BY THE PRINCIPLES
OF PURE COMPETITION, AND FREE ENTERPRISE.
JANUARY, 2007.
OPEN LETTER TO OUR COMMUNITY
Mss, Mr. & Mrs. DEAR FRIENDS … hi...!!!
I am so happy for our partial community success when Mr. Schwarzenegger signed into law AB 1381 BACK IN LA CALIFORNIA, our school reform bill. We have that one in our pockets, and already that
one is at hand for implementation, but we need many, but many more programs like that...to get a better future for
our beloved ones and for our communities.
That is the main objective, or the main point of my letter. See what new programs are channeled
to do exactly...and just that...Improve everybody's way of life, not through hand outs - private or governmental - but
through creative and highly competitive devices guided by our BASIC PRINCIPLES of free enterprise
system. To show you how we can obtain this main Objective, we will disccuss of the
LOTTO FACTOR
... involved in our essay - the means to achieve such objectives, which we so desperately
needed to produce and introduce such lucrative
INSTRUMENT in our communities - to attain such end
results... will be found and portayed in this grandiose program named
"MY HOME & LOAN LOTTO-CLUB".
I want to recommend this program for it is my own, to begin with, and second, for I
know it really works. If you could only take some of your valuable time to investigate it, you could see the
powerful Material for Monetary Accumulation Creation...enbeded in this Program. I know our constituency will not only
will not hesitate in accepting it, but definitely they will recieve and implement it with great pleasure.
THE MAIN OBJECTIVE: My best intention is to give
our citizenry the means and the access to be able to accumulate money - real money - through time - while ( at the same time)
they are paying their own mortgages on their own homes. Imagine that quantity of money that goes to third party's financial
institutions in the form of interest...through the life of a LOAN -mortgage. Tons
of money…!!! Why don't we keep it for our selves...? That alone will be a great achievement for our communities. I dare you to find out how much your are letting go out in the form of interest yearly.
You'll be surprised... Not to mention through the life of the loan if it is a (10-20 or 30) years LOAN....WOW...!!! That is
a lot of $$$$...!!! Don't you think so…?
TAKE A LOOK AT THE DISTINY
OF YOUR "P&I"MONTHLY PAYMENTS
By learning in a quick way, and to find out how much money you send out off your community
into who knows where... – other banks and financial institutions hands - the main guide-lines are set in the following
sample paragraph:
Take for example your $200,000.00 Dollars Mortgage, and your monthly payment to be P&I
= 914.00 Interest + 100.00 Capital = 1014.00. If you multiply that much for - lets say a 30 years mortgage
which is equal to 360 months - $1014.00 x 360 = $365,040.00 Dollars at the end of the 30th years. How about if you become
your own bank throughout all that time....?
Those $365,040.00 Dollars go back to the CLUB, which in turn are re-distributed among all
the club Active Members for that particular property, and the Property it self becomes an asset of yours - its value/cost
plus the 10-20-30 years Property PLUSVALUE accumulated in it. All together will amount more or less to :
1.- The original Property Purchase Value: $200,000.00 Dollars
2.- The "P&I" returned throughout the 30 years: $365,000.00 Dollars
3.- The Plus-Value Accrued through the 30 years...Assume $300,000.00,
all together: $865,000.00 Dollars stay in your community.
Is this not a real capital accummulation instrument...? If let go to a third party financial institution
those $365,000.00 will be a loss to you, but if that money stays, it is a total gain for all of those living in the community.
That much money will stay with the CLUB, you,and your Community...and this is exactly
what my program is all about. It teaches our citizenry to keep that much money in their own pockets which in turn will
stay in our own communities. Can you imagine how much money each community will have as a “Disposable Income”...saved
in every body's mortgages...? And not only that, the whole community - the people who live in it - will be the
owners of the LAND, THE PROPERTIES BUILT ON THAT LAND, THE MONEY SAVED AT THE CLUB BANKS, and THE PLUS-VALEU of such properties
too. How do you like those apples...? Once again...
TAKE A LOOK AT THE DISTINY
OF YOUR "P&I"MONTHLY PAYMENTS
Just as a preview of the side benefits of this program...! Could you imagen how many new
jobs we could create if we yearly save - in a $200,000.00 Mortgage - $12,168.00 Dollars of interest and capital recovery
alone...? We could think of one (1) JOB of $6.00 an hour of 8 hrs a day, or two (2) partime - JOBS - your school age
kids or mine - at $5.50 an hours of 20 hrs a week each.
This is only one single new Mortgage financed by our own savings. Can you think
of how many more jobs we could create as time passess by and the capital recovery and the interest returns accumulation grows
through the years...? This program is highly progressive in nature, and will grow fast with an exponential velocity
if we allow it to.
THE LOTTO FACTOR: We all - getting united in big masses - have
to form one or various CLUBES. These clubes in turn will control, organize and administer all the monies pooled
by the CLUB's Membership. The CLUBES also will be in charge of channeling those monies throughout all the Economic Activities
in our Membership and our Communities. Those CLUBES have to go through the pooling, investing, and generating more
new money with the seed capital - which is the original membership duties (Fees) and their investments
- which the CLUBES will be working with.
Here is where the LOTTO FACTOR comes into play. This is the
way of how it works. At a random selection - the lotto factor is nothing else than a simple LOTERY sellection - a winner
is selected to receive the opportunity to buy a home for the first time, or to purchase another home using the monies pooled
by the CLUB's Membership, or will win the opportunity to Re-finanicng the old mortgage on his's
or her's present HOME...with the CLUBES money - our own money. This could be done on the daily,weekly, the
monthly basis.
Once the winner is selected, he or she will receive...
FIRST: Access to ll the money necessary - up-to 100% Mortgage
- to purchase that first or 2nd new home, or Re-financing the old Mortgage - including the Down Payment - if
any - and all of the Closing Cost - all in a perfectly normal conventional type MORTGAGE, which will be bought
with the monies pooled by the CLUB at a given (X% ) interest rate for ( X ) number of years. Like in any other
regular mortgage bought in the normal financial world of ours. With all the requirements and restrictions imposed
by the National Treasury Department, and the National Mortgage Industry. Pre-Qualification and conditions imposed by the industry
at a given time will be required. In addition...
SECOND: She or He - the selectee the winner - will also receive...25%
+/- of the monthly interest earned during the life of that new Loan. That alone means a great sum of money for a
well accommodated retirement in the future. The remaining of the monthly interest earned amount on the monthly
basis will be distributed among the CLUB's operation 8%, and the Rest
of the money - 67% - will go to be distributed among all the CLUB Membership on an equal basis. Proporcionately and accordingly
to the amount each Member has invested in their Investment plan - sort of speaking - while he or she remainds an active
member of the CLUB.
These 25% + 8% + 67% equals the monthly - the Interest earned on a given mortgage payments
from one of the homes mortgaged by the CLUB. The beauty of all of this is that the Club will be the owner of the Mortgage
investments done by the Membership, for the Membership are the owners of the CLUB...the members are the owners
of all the mortgages Values and the Collaterals - the physical homes - of all those mortgages on their OWN HOMES.
As you can see there is no waste at all...It only takes a little time for the program to reach
a momentum...and the amount of money moved will be great if the MEMBERS monies are pooled in great masses, big numbers.
Remember, UNION makes the POWER, and power makes wondrous things to happen, namely to
ourselves and to our own communities.
TAKE A LOOK AT OUR MAIN CLUB BENEFITS,ITS GEOMETRICAL GROWTH, AND THE VELOCITY WITH WHICH IT
EXPANDS INTO THE FUTURE.
1.- INVESTMENT PLANS TO CREATE A 401A- CLUB
2.- SEED CAPITAL FORMATION GENERATOR FOR A 401A- CLUB
So far, it looks like too slow to grow in time. Well, it in sot so. This program is geared to grow
in a highly geometric and of an exponential and of a highly progressive velocity, as long as people...the MEMBERSHIP
feel confident of it. Which means that all those monies in the form of interest we use to pay to another third
party financial institution, now are staying with us, and they will begin to accumulate and to grow at a fast, and faster velocity.
Only time will tell.
MACRO & MICRO EXPOSITION OF ITS GEOMETRICAL GROWTH, AND THE VELOCITY WITH WHICH IT
EXPANDS INTO THE FUTURE.
"ASPECTOS MICRO
Y MACRO ECONOMICOS DEL PLAN"
The more people like the program, the more CLUBES will begin to appear and will begin to expand
around the nation. Remember, we may play the GAME once a month, a week or more times - daily - if there is the enough willingnes
and money to purchase more homes for our MEMBERS.
In addition there will be many more forms and means to invest in this CAPITAL GENERATOR program.
And all those monies - gains - produced by the CLUB's economic activities will stay for the CLUBES to perform their social-economic
objectives within their own communities. For more information on the developments of this concept, go to our web site
for more information.
“MY HOME & LOAN LOTTO CLUB”.
Open and See, the following hyperlinks for my informational presentation...: I hope you enjoy it
as much as I do.
1.- http://www.hectorasaenz.com/id131.html
2.- http://www.hectorasaenz.com/id4.html
3.- http://www.hectorasaenz.com/id128.html
4.- http://www.hectorasaenz.com/id88.html
This is in a capsule...what the "MY HOME & LOAN LOTTO CLUB" means.
Well, I hope you become interested in my program, and help me, or help your community to
launch one into existence.
Give me a call if you need to talk to me at 786-273-8761.
I will be there to your side as soon as possible.
Hopping to hear from you guys....
Teach our youth to save the proper and highly beneficial way...!!!
OR BY CALLING
Cell:786-273-8761 or Off:305-559-1313
Fax: 1-877-204-7753
AND ASK FOR HECTOR A. SAENZ SR.
