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a. While you may have considerable knowledge about Excel, formulas, and math, our software calculates payment sequences carefully to avoid negatively impacting your credit score. It only uses the necessary funds to efficiently pay down debts. This means that the report will not require you to examine a large amount of HELOC-based debts to pay down your mortgage.

b. The software is also designed to calculate a complex algorithm that ensures funds are maximized towards the principal and minimized towards the interest. You will notice this reflected in the Interest column, which calculates the exact interest amount down to the penny.

c. It may seem like you can calculate the monthly amount required to be moved, but if you make a mistake, it could end up costing you more than it would save you in interest.

Elimin8 has carefully considered our fee schedule and takes each client’s individual situation into account. We understand that there is no one-size-fits-all solution, so our fee schedule is structured into tiers.

Whether our service will be beneficial for your clients depends on their tax bracket. Therefore, we recommend that your clients consult with their professional tax advisor to determine if our service is right for them.

Yes, you’re right, but it all comes down to math. The equation 1 + 1 will always equal 2. That’s why it’s important for people to understand the concept and math behind it. It’s imperative that they see how much an amortization is really costing them compared to a simple interest loan.

It’s true that at first glance, you may see a higher interest rate with an amortization loan. However, if you break it down, you’ll discover that an amortization loan will cost you 70% more in interest during the first four years compared to a simple interest loan, which will show the true interest cost.

a. You can use your savings if you open a new account that will be dedicated solely to the HELOC-Based System. You can think of this new account as your checking account, which you use to deposit income and pay expenses in the Checking-Based System.

b. But why use your own money when you can use the bank’s money? We can guide you to obtain a loan from the bank and then use their tools against them to save thousands of dollars in interest. With this approach, your money can work for you instead of against you.

a. This is actually why banks charge front-loaded interest, as they know that most families will only stay in their homes for less than five years. One of the biggest reasons for this is job and opportunity placement. Nowadays, long-distance job opportunities are more feasible for families due to the ease of access to housing.

b. Since our clients will be using our system, they will have access to more equity if they decide to move out of their house. Our system can generate equity at a rate that is 2/3 faster than that of a traditional mortgage.

c. In essence, even if they only stay in their house for four years, they will be in a better financial position with a lower mortgage and higher equity. This can provide better opportunities for selling or renting purposes.

Investors will find our program very interesting. With our system, investment properties are able to accumulate more properties because renters are helping to build equity. This can help you to build more net worth, which you can use to leverage your investment property to acquire more properties using the bank’s money as leverage.

a. Our software might do exactly the same as theirs, but according to Elimin8’s research, we have found that other software companies charge more. We have made our fee schedule as practical as possible.

b. Elimin8 also offers far greater results because we have an affiliate program* that can help reduce the time you will have to pay on your mortgage even further. This means that whatever our software projects, we can lower it even more by offering you a free subscription to our affiliate program* that can give you more income towards paying off your home. Please refer to our commission schedule to learn more about how to apply this income to the Elimin8 excel file provided to affiliate members.

c. As clients, you have the option to refer our system to your family and friends and make a commission from it. Once you see how well it works for you, you won’t want to keep it a secret. Therefore, you’ll have the chance to refer our system and get compensated for your effort.

*Affiliate program will start within the next few months.

a. Your report will be emailed to you as a PDF file. Once you receive it, you can upload it to your favorite e-reader or print it. You can then use the report as your checklist as you go along with the dates and see your debt balance go down. We made it this way so we don’t rely heavily on the internet to follow the report.

b. In any case that our website goes down, be sure that we are doing our best to fix the issue. In most cases, it will hardly affect you except for the affiliate program.

The system requires you to input your income, P&I loans, living expenses, and a HELOC-based account. After that, it calculates the quickest way to pay off all your debts while minimizing interest payments and maximizing principal payments.

a. Optimization is the name of the game. The system optimizes the sequence of what needs to be paid first without incurring more interest and using more money, while making little to no changes to your income and lifestyle.

b. Paying extra principal requires you to earn more money for the extra payments needed every month, which is not what we are doing here. Using the Elimin8 system will create more cashflow by eliminating the required minimum payments of your open end loans.

The Elimin8 system optimizes your cash flow by cancelling the required minimum payments for your open-ended loans when your income is deposited. This creates cash flow without the need to add more income to the system. Additionally, the system calculates an optimal monthly payment amount that helps you pay off your debts faster while minimizing interest payments. The monthly payment is increased only up to this calculated amount, ensuring that your lifestyle and income are not significantly impacted.

a. It’s important to note that Elimin8 does not handle any transactions or move your money for you. We simply provide you with a comprehensive report, which can be seen as your guide or roadmap towards achieving your goal of eliminating your debts. This report is a plan that you can refer back to in case you get off track, allowing you to make necessary adjustments and get back on the right path.

b. Nowadays, most banks offer the option of setting up automatic payments.

a. There is a small amount of interest you will incur on the daily average balance using a HELOC, but it is dwarfed by the amount you are saving on the mortgage.

b. You can lower the interest being charged if you use a credit card to pay your bills.

This mainly involves using a strategy. Banks are not in the business of providing such a strategy to their clients. While they do offer mortgage and financial advice, they do not offer strategies on how to pay off your house 2/3 (66%) faster.

Please bear with me as this may be a bit confusing. After purchasing a package and receiving the report, you will have the option to receive updates. We recommend reviewing your finances every 3 months. If you notice significant changes in your financial situation, you can request an updated report for free. You are able to make any necessary additions or changes and submit them to [email protected].

If you have paid off your home and wish to add a new one, there will be a $150 setup fee. Our fee schedule is tailored to your specific needs, as we do not charge a one-size-fits-all fee at Elimin8.

Following the Elimin8 system as intended and automating your banking will not cause you to lose money. However, if you deviate from the system and make sporadic spending, you may not get the intended results and could potentially lose money. It’s important to follow the system as closely as possible and review your finances regularly to ensure you’re on track.

a. Credit score: Most banks require a credit score of 680 or higher to qualify for a HELOC or any type of LOC (line of credit).

b. HELOC: The best way to use Elimin8’s system is by using a HELOC. Otherwise, you will need an account that you can use in a similar way to a HELOC-based account.

No need to refinance your existing mortgage unless it is necessary. Elimin8 encourages you not to refinance so you can avoid repeating the cycle of paying high front-loaded interest charges. Don’t fall for the bank’s offer of lower interest rates because they want you to restart the cycle so they can charge more in interest.

a. Having multiple properties is an option. You can include one or multiple properties in the Elimin8 system. However, there is an additional setup fee of $150 for each property that you add to the system.

b. The algorithm takes into account factors such as interest rates and balances to determine which account to “super fund” first in order to save the most money on interest charges. The report generated by the system should provide clear guidance on how to follow this strategy.

a. To maintain a good credit score, it’s not advisable to max out your HELOC. The higher your credit utilization, the lower your score will be, and there’s a higher chance that your HELOC will be frozen by the lender.

b. It’s recommended to keep your credit utilization below 80%. Ideally, it’s best to keep it below 50%, and even better to keep it below 30%.

The Elimin8 system can identify the highest utilization balance of the HELOC on the report, and then divide that amount by 0.5 to get the 50% utilization ratio. This new amount can then be used to apply for a credit line, which helps keep your debt utilization ratio low and preserve your credit score.

a. Our marketing strategy mainly focuses on paying off your mortgage in less time, but the beauty of our system is that it calculates and pays off all of your debts.

b. Once you have completed the entire course of payments, you will be completely debt-free.

c. We believe in the principle of under-promising and over-delivering, which creates a wow effect for our customers.

On average, about 21 years.

The average annual percentage yield (APY) on savings accounts, as reported by Bankrate, is 0.23%. This means that the amount earned on $1,000 in a savings account for a year is about $2.30.

On average, families tend to stay in their homes for about 5 years due to factors such as job opportunities.

Imagine being able to pay off your house by the time you retire, even though you will be working for the next 10 years. What kind of impact would that have on your financial situation?