Mike Gerson
President, Gerson Funding

If you were offered an investment that could never go up in value, but might go down... how much of it would you want? Obviously none... however have you considered; THIS IS YOUR HOME EQUITY!

The Equity in Your Home, Has a… ZERO RATE OF RETURN!

“A profit is achieved from an increase in value, not equity!” Equity sits idle in the bricks and mortar of your home... earning absolutely nothing! Many American's are "House Rich and Cash Poor" because their equity is trapped in their home!

Not only does equity not earn a return, it also exposes us to a loss of ‘safety and security’.

Most people unknowingly transfer the risk from the bank to themselves! As the home increases in value... and the mortgage balance decreases... more equity accumulates... providing less risk to the bank and more risk to the homeowner.

Moreover, equity in a home is not liquid!

You can only access your equity if you sell your home or borrow it back from the bank.

If properly managed, EQUITY would be SEPARATED and placed in a safe, liquid side fund, earning a guaranteed rate of return while providing piece of mind and a layer of safety along the way!

Read what leading financial planners
and best selling authors say.

In other words... you either pay interest to someone else... or give up the opportunity to earn interest with that money for yourself! EVERY dollar we give the bank is a dollar we did not invest. Paying off a mortgage saves interest, but denies you the opportunity to earn interest with that money instead of the bank.

In Missed Fortune 101, Douglas Andrew points out there are 2 financial miracles most of us do not use or understand; Leverage & Compounding. Let's take a quick look of what Doug refer's to using the example of a 40 year old couple purchasing a $400,000 home;

#1 Leverage:

Leveraging the down payment: Instead of a 20% down payment ($80,000), let's put down $40,000 and put the other $40,000 to work.

Leveraging the monthly cash flow: Instead of a 30 year fixed mortgage, let's use a strategic cash flow loan that would provide 5 year savings of $43,148.42 and put that to work.

Leveraging the idle home equity: Instead of leaving our current or future equity sit idle, let's take out $75,000 and put that to work.

We leveraged $158,148 ($40,000+$43,148.42+$75,000) to be conserved, not consumed and put to work earning interest and compounding!

#2 Compound Interest:

Using leverage we captured $158,148 (that otherwise would have gone to the bank) which compounded to $205,792. It's now in a safe and liquid side fund, earning a return... providing us choice and control over our money!

But to really see the true power of compounding and why

“The most powerful force in the universe is compound interest”…

Albert Einstein

We have to look at the role TIME plays:

At age 102, it’s worth almost $50 Million Dollars!

Being a little more realistic, if we retire about 30 years down the road (between the age of 66 and 74) ... AND successfully manage our home equity, there's now $1,612,000 to $3,202,865... instead of a $400,000 house paid off … AND NO CASH!

$3.2 Million @ 10%, earns $320,000 annually ($26,666 monthly) for retirement!

This was created from idle money the homeowner was not even aware existed!

Find out how you can increase your net-spendable retirement income by 50% or more without spending an additional dime...