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What we know today Truth In Equity

Conventional financing strategies have been taught to us by those who profit the most; institutional banks and lenders. They’ve convinced us to believe that they offer safety and stability with their products and services, but in the end we are only securing their future by following their sage advice.

No matter how you want to look at it: our income, mortgage and equity are the most important tools we have to leverage ourselves out of debt, retire early or retire more securely.

IFS Development Group, LLC specializes in educating and empowering homeowners to get more out of what they own and what they earn. With our one-of-a-kind amortization software, TIEsm (Truth In Equitysm) we can demonstrate, in finite terms, how a homeowner can save tens of thousands of dollars in interest and possibly be debt free in a fraction of time than current conditions dictate. This is not a biweekly payment scheme or magical debt-free strategy. This is simply teaching consumers to practice the same principles used by the world’s largest banking and lending institutions. It’s not magic, it’s just math.

The Concept Testimonials

Quite simply, the Equity Advantage^SM program helps take full advantage of a key banking principle that lenders don’t want you to know about. That is, the interest debt is calculated on the daily principal balance. By keeping the daily balance of your debt as low as possible, you pay less interest. Consequently, more of your payments or deposit is applied toward reducing the balance rather than being consumed by the interest. Conceptually it’s as simple as that.

The evolution of the Equity Advantage^SM restructures existing debt, reallocation of existing income streams and financial resources.

Most people have a checking account, deposit income and take out money for living expenses. For this privilege banks pay very little to NO interest on the funds and then charge interest at the full rate. Lenders then take YOUR money from the checking account and loan it out to other borrowers at interest rates as high as 18%.

Using the Equity Advantage^SM program completely reverses this situation and takes away the financial advantage from the lenders. When this program is used properly it can save you tens of thousands of dollars in interest and slash years off your debt. The concept is very simple. It’s so simple it’s almost mind boggling.

Simply restructuring debt to better manage the repayment of necessary debt greatly increases your bottom line. Secondly, reallocating resources in such a way that debt payoff is accelerated, reducing term and interest charges over time, wealth accumulation is generated at an accelerated pace as well. Conventional practices are in place because more money is made if term is extended. The concept we teach, in essence, is reduce term, reduce interest charges and in the end eliminate debt at an accelerated pace.

History of the Idea

Basic principles of the Equity Advantage^SM were introduced to the US in 2000, but have been practiced in Australia for 20+ years. In that time, as many as 500,000 borrowers have revolutionized the entire banking system in that country. Along the way hundreds of thousands of ordinary people have saved themselves billions of dollars in interest. Today, borrowers in countries such as New Zealand, the UK, Singapore, Malaysia, South Africa, and more recently Canada and now the US, are also using similar systems.

Why it works

Reallocation of resources, more effective use of income and restructuring debt
accelerates repayment of long term debt while providing maximum gains.
Vigorous application of current tax deductions associated with long term debt impacts net gains by compounding effective application of normally unrealized advantages. Advantages afforded borrowers through unique use of revolving credit more efficiently leverages income and how it is applied to daily expenses.

The steps we take

We begin this process the same with everyone. We start by asking homeowners to complete a Personal Economic Profile. This form can be found on our website, www.IFSDG.Net/PPF.xls or downloading the form at www.IFSDG.Net/PPF.pdf. This profile is a breakdown of an individual’s income, monthly expenditures, debt balances and liquid asset totals. This is non-sensitive information; it’s just the basics. We do not ask for sensitive information such as account numbers or social security numbers. Once complete this information is fed into the TIE^SM amortization software. We review the results of the analysis and determine the best course of action towards a debt free existence. At that point we contact the homeowner, present our findings and then facilitate the process from there. It’s a very easy and painless process. Once we have the immediate scenario under control we can review this concept together.

When the homeowner decides to move forward with the program we then assist in facilitating the refinance process to establish the new line of credit. Once the new line of credit is in place IFS provides ongoing support by maintaining monthly contact with the homeowner to ensure they are operating the system as designed and make sure they are receiving full benefit of the concept.