Dear Consumer,

Thank you for taking the time to review our website and consider our services. The financial world today is a vastly different place than even a few short years ago. Between the mortgage crises and large scale bank bailouts, the relationship between the bank and the consumer has dramatically changed.

Gone are the days of zero down mortgages – the standard now is 30%. Also gone are the exotic loan types such as the ARM’s, interest only, and the like. We are back to the days of the fixed rate loan where you need to have solid credit and a conservative loan to value ratio. And speaking of credit, never before has your credit score been of such importance. Many lenders today will not even consider you for an auto loan unless your credit score is above 650. That’s a solid 100 points higher than just two years ago.

So what is the average consumer to do? The answer is take control of their financial health and put themselves in the strongest equity position that they can. In today’s world having equity means having options.

So what is a strong equity position and how do you get it? As we all know, equity is the value of something that you actually own. It’s the portion of your auto loan or mortgage that you have already paid and are attributed ownership to. The rest belongs to the bank as does the interest that they charge you. The lower your equity the more you pay to the bank. It’s that simple.

So here’s how you reverse the trend. Pay your loans in an accelerated fashion which consistently reduces your principal balance, which in turn means you pay less interest to the bank. So if it’s that simple why doesn’t everyone do it? And therein lay the $64,000 question. The fact is that only a very small percentage of consumers pay even a single loan of theirs in this fashion, and the reason is discipline.

Whether we like to admit it or not, in most cases if the money is there we are going to spend it. Remember your mother’s Christmas club account? It operated on the same principal – if the money is taken from my check before I get it, it will actually be there come Christmas.

There are numerous examples in our everyday lives of things that we rely on others for to assist us with discipline. Consider personal trainers or pre-packaged weight management plans. You could do those yourself and yet the fitness and nutrition industry is one of the largest in the country. You could deposit your paycheck yourself but for convenience sake we have direct deposit. The list goes on and on.

So why not painlessly create the financial discipline to accelerate all of your loan payments by matching them to your pay cycle? Trust me, you will not miss the money - $200 every two weeks will feel no different than $400 per month. But the difference it makes will astound you. In a relatively short period of time you will strengthen your equity position and the bank will look at you in a whole different light.

In today’s new world you will be the customer that they want – the safe investment for them; the customer that has a solid equity position that they will view as someone of substance. Someone that they will listen to when you want a loan. And it’s really not that hard to put yourself on that path. I know, I’ve been there myself.

So thank you for taking the time to read this. I hope that it offers some simple advice that will assist you. Should you decide to enroll with us I can assure you that you will accomplish more of your financial goals and pay less to the banks that try to control you. As is the case with your personal health, solid financial health is a long term process that requires consistent discipline. Let us help you with that.

Sincerely,
Robert M. Steenbergh, Esq.