a financial gps to find the quickest route to zero debt, presented by serena lambiase

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J bringing your finances into focus for your future Serena Rinaldi Lambiase (203) 261-1982 slambiase@earthlink .net

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A financial GPS to find the quickest route to zero debt; Software program that guides you to pay off your morgage and ALL debts faster by using interest cancellation methods; NO LOANS necessary

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Page 1: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

JJ

bringing your finances into focus for your future

Serena Rinaldi Lambiase(203) [email protected]

Page 2: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

DEBTDEBT IS AT AN IS AT AN ALL TIME ALL TIME

HIGHHIGH

The ProblemsThe Problems

Page 3: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

LITTLE TO NO

FINANCIAL EDUCATION IN SCHOOL

The ProblemsThe Problems

Page 4: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

CONVENTIONAL PROGRAM ma Money Merge Account®

$200,000 TOTAL INTEREST SAVED USING THE MONEY MERGE ACCOUNT®

51 YEARS OLD 51 YEARS OLD

28.5 YEARS TO ZERO 10.4 YEARS TO ZERO

$255,000 IN INTEREST $55,000 IN INTEREST

DAVID MONTGOMERY BATON ROUGE, LA

DAVID MONTGOMERY BATON ROUGE, LA

Page 5: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

Principal Interest Balance Equity PAID

Month 1

Month 2

Year 1

Year 5

Year 10

Year 21

Year 30

30-Year, $200,000 Loan - 6% Interest Rate - $1,199.10 Monthly Payment

The Real TRUTH in Lending

Page 6: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

Principal Interest Balance Equity PAID

Month 1 $199.10 $1,000

Month 2

Year 1

Year 5

Year 10

Year 21

Year 30

30-Year, $200,000 Loan - 6% Interest Rate - $1,199.10 Monthly Payment

The Real TRUTH in Lending

Page 7: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

Principal Interest Balance Equity PAID

Month 1 $199.10 $1,000

Month 2 $200.10 $999

Year 1

Year 5

Year 10

Year 21

Year 30

30-Year, $200,000 Loan - 6% Interest Rate - $1,199.10 Monthly Payment

The Real TRUTH in Lending

Page 8: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

Principal Interest Balance Equity PAID

Month 1 $199.10 $1,000

Month 2 $200.10 $999

Year 1 $210.33 $988.77 $197,543 $2,457 $14,389

Year 5

Year 10

Year 21

Year 30

30-Year, $200,000 Loan - 6% Interest Rate - $1,199.10 Monthly Payment

The Real TRUTH in Lending

Page 9: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

Principal Interest Balance Equity PAID

Month 1 $199.10 $1,000

Month 2 $200.10 $999

Year 1 $210.33 $988.77 $197,543 $2,457 $14,389

Year 5 $267.22 $931.88 $186,108 $13,891 $71,946

Year 10

Year 21

Year 30

30-Year, $200,000 Loan - 6% Interest Rate - $1,199.10 Monthly Payment

$58,055Interest

The Real TRUTH in Lending

Page 10: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

Principal Interest Balance Equity PAID

Month 1 $199.10 $1,000

Month 2 $200.10 $999

Year 1 $210.33 $988.77 $197,543 $2,457 $14,389

Year 5 $267.22 $931.88 $186,108 $13,891 $71,946

Year 10 $360.44 $838.66 $167,371 $32,628 $143,891

Year 21

Year 30

30-Year, $200,000 Loan - 6% Interest Rate - $1,199.10 Monthly Payment

The Real TRUTH in Lending

Page 11: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

Principal Interest Balance Equity PAID

Month 1 $199.10 $1,000

Month 2 $200.10 $999

Year 1 $210.33 $988.77 $197,543 $2,457 $14,389

Year 5 $267.22 $931.88 $186,108 $13,891 $71,946

Year 10 $360.44 $838.66 $167,371 $32,628 $143,891

Year 21 $696.23 $502.89 $99,877 $100,123 $302,173

Year 30

30-Year, $200,000 Loan - 6% Interest Rate - $1,199.10 Monthly Payment

The Real TRUTH in Lending

Page 12: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

Principal Interest Balance Equity PAID

Month 1 $199.10 $1,000

Month 2 $200.10 $999

Year 1 $210.33 $988.77 $197,543 $2,457 $14,389

Year 5 $267.22 $931.88 $186,108 $13,891 $71,946

Year 10 $360.44 $838.66 $167,371 $32,628 $143,891

Year 21 $696.23 $502.89 $99,877 $100,123 $302,173

Year 30 $431,677

30-Year, $200,000 Loan - 6% Interest Rate - $1,199.10 Monthly Payment

The Real TRUTH in Lending

Page 13: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

$200,000

$10,000(not required to

have large line of credit; this is an

example)

MO

RT

GA

GE

FACILITATING

ACCOUNT

CHECKING

SAVINGS

CREDIT CARD

REVOLVING DEBT

HELOC

“FUNDS TRANSFER” MOVE MONEY FROM YOUR

FACILITATING ACCT. TO PAY DOWN YOUR 1ST MORTGAGE& OR TOTAL DEBT

“FUNDS TRANSFER” MOVE MONEY FROM YOUR

FACILITATING ACCT. TO PAY DOWN YOUR 1ST MORTGAGE& OR TOTAL DEBT

Page 14: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

$195,000

$5,000 FUNDS TRANSFER

MO

RT

GA

GE

$5,000

Facilitating Account

Page 15: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

Impact of a Funds Transfer

$200,000.006%

X 360$431,677

$200,000.00<5,000.00>$195,000

360 monthsReduced to337 months

Saves the Borrower

23 months of payments

Saves the Borrower

$23,304.00of future interest

Page 16: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

MONTHLY BUDGET EXAMPLEMONTHLY BUDGET EXAMPLE

$5,000 MONTHLY “NET” INCOME

-$4,000 LIVING EXPENSES

$1,000 DISCRETIONARY INCOME

Page 17: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

MONTH 1

$1995MONEY MERGE ACCOUNT® FEE$1505CREDIT CARD BALANCE (DOESN’T HAVE TO BE CREDIT

CARD; FACILITATING ACCT COULD BE HELOC, ALOC, CREDIT CARD, SEPARATE SAVINGS ACCT, ETC)

$4,000 EXPENSES$7,500$5,000 INCOME$2,500 AVERAGE MONTHLY BALANCE

MONTH 2

$2,500STARTING BALANCE$4,000EXPENSES$6,500$5,000INCOME$1,500

$20.83

$12.50

Page 18: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

MONTH 3

$1,500 STARTING BALANCE$4,000 EXPENSES$5,500$5,000 INCOME$ 500$3,675.77 FUNDS TRANSFER$4,175.77 AVERAGE MONTHLY

BALANCEPrincipal Interest Balance

Remaining

Payments

Month 1

199.10 1,000.00 199,800.90 359

Month 2

200.10 999.00 199,600.80 358

Month 3

201.10 998.00 195,723.93 339

Month 4

220.48 978.62 195,503.45 338

Month 5

$34.80

INTEREST CANCELLATION

$17,249

REDUCED MORTGAGE BY

18 MONTHS

Principal Jump

3 MONTH TOTAL

$68.13

$220.48

$201.10

$ 19.38

Page 19: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

FAST FORWARD...FAST FORWARD...

MONTHS 4 – 5 – 6MONTHS 7 – 8 – 9

Page 20: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

MONTH 10$4,003.68 STARTING BALANCE$4,000 EXPENSES$8,003.68$5,000 INCOME$3,003.68 AVERAGE MONTHLY

BALANCE

MONTH 11$3,003.68 STARTING BALANCE$4,000 EXPENSES$7,003.68$5,000 INCOME$2,003.68

$25.03

$16.70

Page 21: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

MONTH 12

$2,003.68 STARTING BALANCE$4,000 EXPENSES$6,003.68$5,000 INCOME$1,003.68$2,917.67 FUNDS TRANSFER$3,921.35 AVERAGE MONTHLY

BALANCEPrincipal Interest Balance

Remaining

Payments

Month 10

256.59 942.51 188,245.86 308

Month 11

257.87 941.23 187,987.99 307

Month 12

259.16 939.94 184.811.16 295

Month 13

275.04 924.06 184,536.12 294

Month 14

$32.68

INTEREST CANCELLATION$ 10,184

REDUCED MORTGAGE BY14 MONTHS

PRINCIPAL JUMP

12 MONTH TOTAL

$297.89

$275.04

$199.10

$ 75.94

12 MONTH TOTAL

INTEREST CANCELLATION

$50,862

12 MONTH TOTAL

REDUCED MORTGAGE BY

53 MONTHS

Page 22: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

LOAN AMOUNT: $200,000

Money Merge Account® program Conventional ProgramSTARTING BALANCE $200,000

Balance in 1 year:

10.4 years

$70,422

30 years

$231,677

$200,000

Balance in 5.5 years:

REPAYMENT TIME

TOTAL INTEREST PAID

TOTAL INTEREST SAVINGS: $167,219

$184,811 $184,752BALANCE IN 1 YEAR:

$197,543

Page 23: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase
Page 24: A financial GPS to find the quickest route to ZERO debt, Presented by Serena Lambiase

ACHIEVING YOUR FINANCIAL GOALS BEGINS WITH DEBT ELIMINATION

LET THE MA CAPITAL RESOURCES REPRESENTATIVE WHO

INTRODUCED YOU TO OUR POWERFUL SOLUTION RUN A FREE

ANALYSIS FOR YOU

Serena Rinaldi Lambiase(203) [email protected]