You’re a Life Saver

At a networking event I went to yesterday, I suggested we each introduce and describe the work of the person sitting to our left.

But the gentleman on my right, though I’d talked with him the longest – actually listened to him the longest – didn’t know what I did. He didn’t ask. I’d interviewed him. He asked me nothing. However, by my questions and the intent with which I listened to him, he could describe the kind of person I am. Of course, I agreed with him when he said I was all about caring and loving and taking a genuine – not phony – interest in people.

When the circle wrapped up, a couple of people offered me the opportunity to speak for myself. Here’s what I said:

White Horse Rescue for DebtYou know how when you buy a house on a 30-year mortgage, you usually pay more in interest than the price of the house? Well, I’m the person who comes riding in on a white horse and helps you cut your mortgage interest in half without refinancing.

“Wow” they said.

I expanded that briefly by saying I’m an educator who offers mortgage acceleration products and services, including a guidebook, online software and coaching. I told them about an email I’d received yesterday morning from a person calling these mortgage acceleration concepts BS. I confessed to my fellow networkers that the idea behind mortgage acceleration the way we do it is very simple. I don’t mind explaining it to anyone who asks. The person who challenged me online said it’s just adding and subtracting.

My tablemates were transfixed, so I added that you had to at least be able to multiply to do compound interest! I mentioned that you can stop smoking or drinking on your own.. You know what to do; just do it. But most people have greater success when they get support. Like going to a gym, preferably with an accountability gym-mate. Going to Weight Watchers where you have to look your friends in the eye weekly, and if you don’t show up, the next week they’ll ask most earnestly about your welfare.

People chimed in about their appreciation for accountability and support, that they experienced it in their own lives. Every person at the event was a successful business owner. Like me, they understand the benefit of checking in – like our members do with our mortgage acceleration program – and like I’ve done with my halfway-across-the-country accountability partner Scott, weekly or every other week for over 10 years!

The balcony became quiet except for the chorus of cicadas in the trees lining Oak Creek. Then Malik, a dreadlock-crowned Rastafarian wearing a straw hat, fairly shouted, “You’re saving lives; that’s what you’re doing! You’re a life saver!”

“And a marriage saver,” I added.

His comment stopped me. (Why did I mention relationships when he was talking about life or death?…and with him as a person who’d been declared dead for eight minutes, I had to acknowledge what he said.) I hadn’t thought of mortgage acceleration as a life-saving activity. Only a helpful one about which I’m passionate (along with being debt-free, saving money everywhere possible–Miss Frugal here, etc.). Hmmm…life and death…

Malik is right. The newspapers regularly report suicides, even in our small town — some related to the inability to cope financially. One I was told about by a friend of the deceased happened a couple of years ago when the economic stressors were rising at a frightening rate. The woman who killed herself was a doctor who had over-leveraged on several properties. It would have been a great play six or seven years ago, but by the time she did it, the economy and housing market were raveling badly. No doubt feeling frayed, she hung herself in one of her apartments. Unfortunately, her patients are bereft of her healing touch; her family robbed of her warm presence, and her friends deprived of her joie de vivre. All because lenders take exorbitant profits and mislead the public on the total cost of borrowing money (6% per year for 30 years = 115.8%).

A friend was paying for her home and two investment properties on minimum payments; that is, paying less each month than just the interest. She took me to lunch to see if my technique of recycling equity would help her. As I looked at her property statements, all I could advise was, “You need to at least pay the interest each month. Otherwise, every month you hold these properties, the amount you owe on them goes up.”

Her home was beautiful. Artfully appointed. I confess, I was a bit jealous about the luxurious furnishings, and the sculptures and blown glass and plush rugs over hardwood floors…Why couldn’t/didn’t I have all those things? I thought she was rich. Until I saw her negative amortization loan statements.

She’s moved. I have no idea where. Probably a small apartment or guest room somewhere. Probably lost all of the properties or I would have seen her around town or heard from her.

We’re helping peopleĀ  preserve their lifestyles. Our mortgage acceleration program is helping people get out of debt – and SEE their progress, to encourage them to keep on keeping on. As of last count, the average savings our clients are benefiting from is $218,444.78. Our entire program, including for-life- upgrades and tech support, is less than 1% of that!

Malik is right. We’re saving:

  • lifestyles
  • family, and
  • lives

Will one of them be yours?


Art animated sequence by Eadweard Muybridge (1830-1904). Its use here does not imply anyone on the Equity Cycling Team will ride in naked to save you. But almost. We’ll do our very best, hurling ourselves in front of the train if that’s what it takes.

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