seminar 500000 total
TRANSCRIPT
Our company has been developed to assist
ordinary people achieve significant savings
and financial freedom which will enable
them to create real personal wealth in the
shortest possible time.
Total Repay is a proven system with a
successful track record that operates in
conjunction with leading banking and
lending institutions.
IS TOTAL REPAY FOR YOU?
Do You Like What We Have To Offer?
Will It Benefit Your Family and Yourselves?
Is It Affordable?
OF 100 PEOPLE AT AGE 65
1 Will be Rich
4 Will be Financially Independent
5 Will Still be Working
12 Will be Broke
29 Will be Dead
49 Will be Dependent on Welfare or Charity
In other words, 95% will either be
Dead or Dead Broke !
THE TRADITIONAL BANKING SYSTEM
DOES NOT HELP!
Money in a cheque account earns nothing in most cases. As a matter of fact most banks assess service charges.
Savings accounts earn around 1.5% or less BEFORE taxes.
We are always charged higher interest rates on borrowed money than we are given on our own.
THIS IS VERY PROFITABLE FOR THE BANKS.
Imagine the billions of dollars sitting in cheque accounts everyday earning money for the banks,
NOT FOR YOU!
HOW WOULD YOU LIKE TO
BEAT THE BANKS?
Remember the difference between savings
and lending rates is around 5%
ENJOYED BY THE BANKS!
By using the “Total Repay” system, not only
is the bank denied this margin, but it goes
directly to you
TAX FREE !*
*Please consult your accountant, we do not offer tax advice.
THE TRADITIONAL MORTGAGE
WE ARE PENALISED BY THE WAY THEY OPERATE.
In the first years we pay mostly interest and very
little principal.
Most people compound their situation by refinancing or buying a new home every 5 years.
which…
BEGINS THE INTEREST PAYMENT PROCESS ALL OVER AGAIN!
The Cost Of A $500,000 Mortgage @ 6%
(When is 6% NOT 6%?
Year Total Paid Principal Interest Balance
1
2
10
20
30
35,972
71,945
359,729
719,459
1,079,192
6,140
12,658
81,570
229,980
500,000
29,832
59,287
278,159
489,479
579,192
493,860
487,341
418,429
270,019
0
More Than the Cost in
Interest Alone
Compare the Options
$500,000Total
Repay
Principal
& Interest
Fortnightly
Principal
& Interest
Monthly
YEARS TO BE
DEBT FREE
INTEREST PAID
12 YEARS
$209,731
25 YEARS
$468,776
30 YEARS
$579,192
YOU HAVE CHOICES !REGULAR CHEQUE ACCOUNT
Deposit Income
Household
Cheque
Earns
0%
Interest
• Cheques
• Bank Fees
• Money Orders
• Travellers Cheques
• Bounced Cheques
• Etc.
Mortgages
Living Expenses
Credit Cards, etc.
Miscellaneous
INTEREST ONLY 2 ND MORTGAGE (Line of Credit.)
Income
Lowers
Balance –
Saves $$
(interest)
Deposit Income/
Make Payment
Mortgages
Living Expenses
Credit Cards, etc.
Miscellaneous
We Pay
For
BENEFITS
• Simple Interest
• Tax Deductible
• Interest Only
• Pre-Approved Limit
• Purchasing Power
Example: Consumer Debt Debts That Could Be Consolidated
Loans (car, etc.) Amt. Pymt.
Cards, etc. Amt. Pymt.
Total
$20,000
$30,000
$500
$785
$1,285$50,000
Example: Consumer Debt
Debts That Could Be Consolidated
Loans (car, etc.) Amt. Pymt.
Cards, etc. Amt. Pymt.
Total
$20,000
$30,000
$500
$785
$1,285
Line of Credit $50,000
$50,000
6%
Interest
Only
Line of Credit $50,000
Payment $250
Pay Off
-$250
$1,035
2nd MORTGAGE AS THE
EVERYDAY ACCOUNTStart Balance
Payment / Income
Balance
Expenses
Balance Month One
Payment / Income
Balance
Expenses
Balance Month Two
$50,000
-7,000
43,000
+6,000
49,000Surplus 1st mo. $1,000
-7,000
42,000
Surplus 2nd mo. $1,000
+6,000
48,00012 Month $12,000
2nd Balance $38,000
Reducing the 1st Mortgage
1st Year Bal.
Yearly Prin.
Sub Total
From 2nd Mort
Total Year 1
Yearly Prin.
Sub Total
From 2nd Mort
Total Year 2
$500,000
$6,000
$494,000
From 2ND Mortgage
$482,000
$12,000$12,000
Amortisation Schedule
Amortisation Schedule For: John & Jane
Property Address: 13 Owe D’ Bank Way
Loan Programme:
Loan Amount $500,000
Interest Rate 6%
Term 30 Years
1 1 2.997.75 2,500.00 497.75 499,502.25
1 2 2.997.75 2,497.51 500.24 499,002.01
1 3 2.997.75 2,495.01 502.74 498,499.27
1 4 2.997.75 2,492.50 505.25 497,994.02
1 5 2.997.75 2,489.97 507.78 497,486.24
1 6 2.997.75 2,487.43 510.32 496,975.92
1 7 2.997.75 2,484.88 512.87 496,463.05
1 8 2.997.75 2,482.32 515.43 495,947.62
1 9 2.997.75 2,479.74 518.01 495,429.61
1 10 2.997.75 2,477.15 520.60 494,909.01
1 11 2.997.75 2,474.55 523.20 494,385.81
1 12 2.997.75 2,471.93 525.82 493,859.99
35,973.00 29,832.99 6,140.01
2 1 2.997.75 2,469.30 528.45 493,331.54
2 2 2.997.75 2,466.66 531.09 492,800.45
2 3 2.997.75 2,464.00 533.75 492,266.70
2 4 2.997.75 2,461.33 536.42 491,730.28
2 5 2.997.75 2,458.65 539.10 491,191.18
2 6 2.997.75 2,455.96 541.79 490,649.39
2 7 2.997.75 2,453.26 544.50 490,104.89
2 8 2.997.75 2,450.52 547.23 489,557.66
2 9 2.997.75 2,447.79 549.96 489,007.70
2 10 2.997.75 2,445.04 552.71 488,454.99
2 11 2.997.75 2,442.27 555.48 487,899.51
2 12 2.997.75 2,439.50 558.25 487,341.26
35,973.00 29,454.27 6,518.73
Year Month Payment Interest Principal Balance
3 1 2.997.75 2,436.71 561.04 486,780.22
3 2 2.997.75 2,433.90 563.85 486,216.37
3 3 2.997.75 2,431.08 566.67 485,649.70
3 4 2.997.75 2,428.25 569.50 485,080.20
3 5 2.997.75 2,425.40 572.35 484,507.85
3 6 2.997.75 2,422.54 575.21 483,932.64
3 7 2.997.75 2,419.66 578.09 483,354.55
3 8 2.997.75 2,416.77 580.98 482,773.57
3 9 2.997.75 2,413.87 583.88 482,189.683 10 2.997.75 2,410.95 586.80 481,602.89
3 11 2.997.75 2,408.01 589.74 481,013.15
3 12 2.997.75 2,405.07 592.68 480,421.47
35,973.00 29,052.21 6,920.694 1 2.997.75 2,402.10 595.65 479,824.82
4 2 2.997.75 2,399.12 598.63 479,226.19
4 3 2.997.75 2,396.13 601.62 478,624.57
4 4 2.997.75 2,393.12 604.63 478,019.94
4 5 2.997.75 2,390.10 607.65 477,412.29
4 6 2.997.75 2,387.06 610.69 476,801.60
4 7 2.997.75 2,384.01 613.74 476,187.86
4 8 2.997.75 2,380.94 616.81 475,571.05
4 9 2.997.75 2,377.86 619.89 474,951.16
4 10 2.997.75 2,374.76 622.99 474,328.17
4 11 2.997.75 2,371.64 626.11 473,702.06
4 12 2.997.75 2,368.51 629.24 473,072.82
35,973.00 28,625.35 7,347.65
Year Month Payment Interest Principal Balance
REDUCING THE 1st MORTGAGE
1st Year Bal.
Yearly Prin.
Sub Total
From 2nd Mort
Total Year 1
Yearly Prin.
Sub Total
From 2nd Mort
Total Year 2
$500,000
$6,000
$494,000
From 2nd Mortgage
$482,000
$6,500
$475,500
$12,000$12,000$12,000
$463,500
Interest Savings
From Amortization$81,000
$12,000
3 1 2.997.75 2,436.71 561.04 486,780.22
3 2 2.997.75 2,433.90 563.85 486,216.37
3 3 2.997.75 2,431.08 566.67 485,649.70
3 4 2.997.75 2,428.25 569.50 485,080.20
3 5 2.997.75 2,425.40 572.35 484,507.85
3 6 2.997.75 2,422.54 575.21 483,932.64
3 7 2.997.75 2,419.66 578.09 483,354.55
3 8 2.997.75 2,416.77 580.98 482,773.57
3 9 2.997.75 2,413.87 583.88 482,189.683 10 2.997.75 2,410.95 586.80 481,602.89
3 11 2.997.75 2,408.01 589.74 481,013.15
3 12 2.997.75 2,405.07 592.68 480,421.47
35,973.00 29,052.21 6,920.694 1 2.997.75 2,402.10 595.65 479,824.82
4 2 2.997.75 2,399.12 598.63 479,226.19
4 3 2.997.75 2,396.13 601.62 478,624.57
4 4 2.997.75 2,393.12 604.63 478,019.94
4 5 2.997.75 2,390.10 607.65 477,412.29
4 6 2.997.75 2,387.06 610.69 476,801.60
4 7 2.997.75 2,384.01 613.74 476,187.86
4 8 2.997.75 2,380.94 616.81 475,571.05
4 9 2.997.75 2,377.86 619.89 474,951.16
4 10 2.997.75 2,374.76 622.99 474,328.17
4 11 2.997.75 2,371.64 626.11 473,702.06
4 12 2.997.75 2,368.51 629.24 473,072.82
35,973.00 28,625.35 7,347.65
Year Month Payment Interest Principal Balance
Year Month Payment Interest Principal Balance
5 1 2.997.75 2,365.36 632.39 472,440.43
5 2 2.997.75 2,363.20 635.55 471,804.88
5 3 2.997.75 2,359.02 638.73 471,166.15
5 4 2.997.75 2,355.83 641.92 470,524.23
5 5 2.997.75 2,352.62 645.13 469,879.10
5 6 2.997.75 2,349.40 648.35 469,230.75
5 7 2.997.75 2,346.15 651.60 468,579.15
5 8 2.997.75 2,342.90 654.85 467,924.30
5 9 2.997.75 2,339.62 658.13 467,266.17
5 10 2.997.75 2,336.33 661.42 466,604.75
5 11 2.997.75 2,333.02 664.73 465,940.02
5 12 2.997.75 2,329.70 668.05 465,271.87
35,973.00 28,173.15 7,800.856 1 2.997.75 2,326.36 671.39 464,600.58
6 2 2.997.75 2,323.00 674.75 463,925.83
6 3 2.997.75 2,319.63 678.12 463,257.716 4 2.997.75 2,316.24 681.51 462,566.20
6 5 2.997.75 2,312.83 684.92 461,881.28
6 6 2.997.75 2,309.41 688.34 461,192.94
6 7 2.997.75 2,305.96 691.79 460,601.15
6 8 2.997.75 2,302.51 695.24 459,805.91
6 9 2.997.75 2,299.03 698.72 459,107.19
6 10 2.997.75 2,295.54 702.21 458,404.98
6 11 2.997.75 2,292.02 705.73 457,699.25
6 12 2.997.75 2,288.50 709.25 456,990.00
35,973.00 27,791.03 8,281.97
REDUCING THE 1st MORTGAGE
1st Year Bal.
Yearly Prin.
Sub Total
From 2nd Mort
Total Year 1
Yearly Prin.
Sub Total
From 2nd Mort
Total Year 2
$500,000
$6,000
$494,000
From 2nd Mortgage
$482,000
$6,500
$475,500
$12,000
$463,500
Interest Savings
From Amortization$81,000
SAVINGS YEAR ONE$81,000
SAVINGS YEAR TWO$69,000
$150,000
$12,000
$12,000
THE TOTAL REPAY SOLUTION
• We evaluate your total consumer debt
• We calculate the exact split for your 1st and 2nd
Mortgages to maximise your savings.
• Use your Line of Credit like your current household
account to avoid interest and simplify your finances.
• Should your loans ever need restructuring, a certified
Total Repay broker is there to assist.
WHAT INVESTMENT IS REQUIRED ?
The $ deposit paid tonight is “Fully Refundable” if we do not save you at least $30,000 plus the cost of the programme.
Although we do get paid there are no “out of pocket” expenses involved.
The system is Fully Transferable to any property in which one of our representatives originates the mortgage.
This information offers no guarantee. All financial decisions should be done with the advice and counsel
of a qualified solicitor, financial planner or accountant. Success experienced through the “Total Repay”
system varies by client and success determined by individual participation.