COMMON FAQ's

  • In various places within the site, you refer to the system; what is the system?
    The system is the process we have developed to empower you to be able to control interest rate risk. Increasing interest rates cause higher monthly payments, which in turn cause a higher degree of foreclosures. If interest rates are controlled, borrowers have a better chance of keeping their homes.
  • What exactly are we purchasing?
    The purchase consists of an online manual that thoroughly explains, and uses multiple examples, of how to control interest rate risk.
    • Will we need to be taught by a person?
      No, the manual is written in such a way that the process is explained thoroughly from start to finish. Examples are also used to illustrate strategic points.
  • Why don't you just include an explanation of the process?
    The process is intellectual property, and it is what we sell. It is how we hope to generate a profit.
  • Is this process something you have created from all new ideas?
    The system uses existing and proven, time tested ideas, in a new application.
  • Why has no one promoted this, in this manner, before?
    It could be that no one thought of it, or it could be something a bit more cynical. Historically, there are probably a great number of adjustable rate mortgages that refinance into new fixed mortgages as the borrower recognizes the opportunity. When homes are refinanced, the mortgage brokers, banks, title companies, and probably more all make money. Do you think the mortgage industry wants to eliminate that income? This system helps to control interest rates, and by doing that, allows you to continue your adjustable rate mortgage advantageously for a longer period. This saves you the refinancing costs, which can commonly be $3,000 to $4,000 for the average homeowner.
  • How long will it take to read the manual?
    That will vary with each person's reading and comprehension speed, but the average reader will probably take about two hours.
  • How quickly can I get the manual?
    Simply click on "Buy Now", submit your credit card information, and you will be given access to the site within seconds.
  • How do I know that you know what you're talking about?
    At this point, you don't, but as you read the manual and reference factually indisputable information, it will become clear that this system works. You will become knowledgeable to the point where you are likely to use part of or all the knowledge the rest of your financial life.
  • Why don't you list testimonials?
    We have never been convinced testimonials are that sincere. The only testimonials you ever see are completely positive toward the product being sold. Where are the testimonials of those who have been disappointed? Business owners typically only list those that are 100% supportive of the product. Because testimonials are so biased, we have chosen to skip that segment and present a straightforward educational product that will benefit you for years.
  • Is the system really worth buying?
    What if the system saved you so much money that you were able to stay in your house rather than being foreclosed upon? What if you saved $200 or more per month for years into the future? What if you were able to delay refinancing, or even not refinance resulting in a savings of $3,000 to $4,000? What if this system gave you a powerful tool against the total domination of the banks? What if you are able to take this system and apply it to other financial interests in your life?
  • The website frequently refers to interest rate risk associated with LIBOR and other adjustable rate mortgage indexes. Can you give actual examples of the amount of risk adjustable rate mortgage holders face?
    Sure, assume a homeowner borrows $300,000 over 30 years. It is an ARM (adjustable rate mortgage) that allows interest rates to go up 5 points at the first reset, which is the term used to describe an interest rate change. Let's look at what the actual payments are:

    The monthly payment at 5% is $1610.46.
    The monthly payment at 6% is $1798.65.
    The monthly payment at 7% is $1995.91.
    The monthly payment at 8% is $2201.29.
    The monthly payment at 9% is $2413.87.
    The monthly payment at 10% is $2632.71.

    Many ARM's allow for the 5 point increase at the first reset. That is a payment increase of $1022.25. That is not the new payment, it is the amount added to the old payment! This can happen!
  • The above example focuses on the monthly payment. How does all this affect the total amount of interest paid over the 30 year loan period?
    Let's use the same numbers as above. $300,000 is borrowed over 30 years at interest rates that vary from 5% to 10%. The payments are multiplied by 360, which is the number of months in 30 years. The original principal amount of $300,000 is subtracted from the total, leaving the total amount of interest paid.

    Total interest paid at 5% is $279,765.60.
    Total interest paid at 6% is $347,514.
    Total interest paid at 7% is $418,527.60.
    Total interest paid at 8% is $492,464.40.
    Total interest paid at 9% is $568,993.20.
    Total interest paid at 10% is $647,775.60.

    The interest varies from $279,765.60 to $647,775.60; that is a difference of $368,010. The difference alone is more than the amount financed originally! A reasonable homeowner should want to shrink that difference of $368,010 as much as possible. Its money that goes right back into your pocket.
  • The answer is clear that the very small investment produces huge returns both financially and intellectually. This is an easy decision; buy the system today and start empowering you and your family.