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Welcome
Optimize Your Equity.com is an online seminar demonstrating financial principles and solutions which will maximize your financial future.
America is bound to its past, which has created deep beliefs. Some of these beliefs shape our very character, while others are shadows of myths having no foundation in fact.
The Great Depression was one event that instilled the desire to have our own homes paid for or have large amounts of equity for security. The idea of having your home paid in full, ties up your abliity to use your equity as a resource for financial growth. This is bad enough, but The Great Depression, itself demonstrated having anything less than your home free and clear is the fastest way to eviction if you cannot make your payments. We seem to think our banker will be there for us in our time of need, instead of being willing to sacrifice our equity to secure their money if anything goes wrong.
If you are a person who can break old beliefs to accept financial principles and implementations, which have made the banking industry one of the most profitable in the world, you are well on your way to being self sufficient and financially secure.
To accomplish this task you must use all your resources even if it means borrowing, but the way your banker borrows. He does not borrow to buy the boat, but to make a higher return somewhere else. He borrows at low interest to make higher interest.
Most of us have to borrow to afford a house and as the years go on we can afford more debt. You must always make the minimum payment while trying to avoid negative amortization, but when an individual makes payments (covering costs) to buy time for borrowed money to increase by taking advantage of compound interest, the results can be a huge success story.
We must take stock in our financial situation, before trying to prosper. From the examples some will realize they are digging themselves into a financial hole which could be a disaster. (A wise man will see danger and act.)
This site is designed to teach those financial principles that your banker knows so well.
By following the sequence listed below, you will have the best opportunity to build your understanding, concept by concept.
- Are you at risk?
- Basic Concepts
- Calculated Examples (demonstrating the concepts)
- Example Projections (real world examples)
- Mortgage Projections
- Insurance Only (covering primary choice in insurance ownership)
- Who to Insure.
All of the examples are conservative and each section builds on the previous.
Real Estate Mortgages and the newest forms of Life Insurance are the subjects covered. I think you will agree the newest forms of Life Insurance are truly Life Products you can live for.
If you want more individual information on a financial plan for your family or self, go to the contact information section were you can send me a quick e-mail or give me a call.
I’m licensed for Life Insurance and Real Estate in California. My natural territory reaches from Redding to Fresno.
If you are outside these areas, I may be able to make special arrangements or refer you to someone in your area.
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