---

 -----Original Message-----
From: Paul J
Sent: Sunday, February 19, 2012 8:49 AM
To: Amy@TruthInEquity.com
Cc: Bill@TruthInEquity.com
Subject: best $ ever spent

T.I.E.
3 yrs ago this month I discovered Truth In Equity.  I was told I could be debt free in 4 years and 5 months.  Embraced the philosophy and what do you know, it works!  THANK YOU!! 
I have told everbody who asks (we took $204,265 to $6000 in 3 yrs flat) about
your firm and how to break the bonds of conventional mortgages. Thank you again.
 
Sincerely,
Paul
Gold Canyon, AZ

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-----Original Message-----
From: larry in CO
Sent: Saturday, December 31, 2011 7:50 PM
To: bill@truthinequity.com
Subject: Plan Update

Bill  -Great talkin to you the other day.  Hopefully see ya on 1/27.
Reviewed my Professional blend and  - amazingly - It just so happens that not only on track, but way ahead of track right now!   I think I'm going to be able to really Super Turbo Charge this thing in 12..........Thanks for all your help.  It means  A LOT to have a great ally checking my thought processes - especially in these times. Muchos Gracias!!!

BEST -Larry

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-----Original Message-----
From: Angie 
Sent: Tuesday, November 15, 2011 2:22 PM
To: lauren@truthinequity.com
Subject: May need to change our meeting time?

Hi Lauren,
First of all - - Thank you so much for your time and interest today.  While I realize this is "what you do" - - I commend you on doing so in such a pleasant manner.  Your interest and ability to assist are evident, and I sincerely look forward to working with you. 

Thanks again for your kindness. 
Yours truly,
Angie

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-----Original Message-----
From: Stan & Kay 
Sent: Monday, October 31, 2011 11:50 AM
To: Lauren Winn
Subject: Re: Progress Check
Lauren:

Things are going very good.

I have just finished end of month bills.   The HELOC account is back at zero balance, so I made a $7K draw to pay off the car loan, and another $5K draw to go to mortgage principal.

If you would like to review the account statements  as per the agreement I can fax it to you.  My monthly on line statement is available around the 12th of the month.

Stan

---

 

From: Jeffrey M
Sent: Thursday, October 20, 2011 3:34 PM
To: David@TruthInEquity.com
Subject: Equity Line Performance

David, I got the note posted on your website and the system is working very well so far.   It has surpassed my expecations and it will continue to be part of my financial planning.   Based on this performance I will be able to fully fund my youngest Son's private high school in a few years, while still harvesting out additonal investment money.  It has already helped me take out additonal money for investments and will help pay my Daughter's wedding this past month.  It has been well worth our initial investment. 
Jeff

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-----Original Message-----
From: J Jurkash
Sent: Friday, October 14, 2011 1:06 PM
To: bill@truthinequity.com; David Welles
Subject: TIE Program

We wanted to drop you a line to let you know we are extremely happy and love the progress we are making in the program.  When we saw the results we were having, we even started cutting back expenses as much as possible to see even faster results.  Truly amazing.

We are going to be in a position (next 4-6 months) to look at what was explained to us as Phase II, using the program to invest for tax free retirement income.  Not sure if I have that correct because I really wasn't expecting to close out Phase I this fast.  We would like to have everything in place to take full advantage when ready.

 Again, couldn't be happier with the current progress.

Thank you!

John and Sharon 

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-----Original Message-----
From: acharland1@
Sent: Wednesday, October 12, 2011 3:18 PM
To: Paukner, Amy
Subject: August and September Reports

Hi Amy:
 
You will notice a large expenditure for our funeral arrangements.  We've reached that time in our lives where we have to plan our demise and help our kids deal with this as much as we can when the time comes.  We would never have been able to do this without you and T.I.E.
 
Keep up the good work
 
Art and Jackie

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-----Original Message-----
From: rvbeach
Sent: Monday, September 19, 2011 10:23 PM
To: Glenn Norton
Subject: Hello

Hi Glenn & Carolyn,

I just wanted to let u know that everything is going great for me and I love the program. I have been contacted by several of your potential clients and have told them all of the positive aspects of the program and how much I enjoy working with you. I hope this feedback helps and things are going good for u.

Roxanne
 

---

 

 -----Original Message-----
From: joan kassan 
Sent: Monday, September 19, 2011 10:17 AM
To: Kristin from Truth in Equity
Subject: Re: Truth in Equity - how's your progress?
Hi Kristen,
Sorry for the delay in getting back with you.

I am doing well, taking advantage of the low interest rate.  I had to get a new car and financed it with my HELOC. So, I guess I'm not on a straight line to paying it off.
I've not had any problems; the program is working well for me.

Thanks for getting in touch.

Regards,
Joan

---

 -----Original Message-----
From: Jones, Dena 
Sent: Tuesday, August 16, 2011 11:02 AM
To: 'bill@truthinequity.com'
Subject: Dena Jones Progress Report

Good Afternoon Bill,

How are you? I wanted to give you an update on my participation in the Truth in Equity program. My sister and brother successfully closed on their loan last week and will start the journey of paying off their loan in 7.5 years.

I also spoke to a neighbor last week and a colleague yesterday who both committed to check the website after I described my progress.

As for me, my first year ends in October and I'll have paid down my original balance by $30,000. That's after paying off the $11,000 balance on my auto loan! I am on track to pay off my loan in 5 years and am just thrilled with the program.

I have to say I'm so grateful for the day I saw Mr. Goodman on Hudson Valley News last June and thanks of course to you for starting this company. You have a great day! :)

Sincerely,

Dena
Management Review Specialist
HQ Financial Control and Support

---

-----Original Message-----
From: Jered  
Sent: Wednesday, August 17, 2011 6:07 AM
To: Lauren Winn
Subject: Re: Quick Email

I would like to thank Lauren Winn for getting me into the Truth in Equity program.  I was very skeptical at first and it took a couple of months to convince me to try out the program.  But, I can't begin to tell you how pleased I have been with the results; I only wish I would have joined sooner.  I have significantly decreased my debt in just 9 months by paying off my mower, 2nd mortgage and credit card.  I should also have my truck paid off within the next month.  I have decreased my debt by 24K in just 9 months.  It seems unbelievable, but the proof is in the results.  

---

-----Original Message-----
From: DANNETTE
Sent: Tuesday, August 16, 2011 10:46 AM
To: bill@truthinequity.com
Subject: employment

Bill,
I am a financial advisor working to enroll teachers in their retirement plans.  I have been frustrated and feeling unfulfilled for the longest time.  My passion is for helping people and this program lit me up!  How do I learn this process and work as a counselor with you?  I have not been able to sleep since I heard about this on the radio when Jordan Goodman spoke of the plan.  Please call or reply so that we can discuss this.
Thank you,
Dannette

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-----Original Message-----
From: Roxanne
Sent: Wednesday, August 10, 2011 11:24 PM
To: Glenn Norton
Subject: Re: Truth In Equity

Hi Glenn,

Nice to hear from you. Everything is going good & the program is working even better than I had expected. I would be willing to tell others about my personal experience working with you & my satisfaction with the program.

Thanks again,

Roxanne Vanderberg

---

 From: Andy B
Sent: Tuesday, August 09, 2011 4:21 PM
To: lauren@truthinequity.com
Subject: Moving Numbers

Good Day,
 
We were feeling a bit pressured (actually me) about where we are at the last month, looking back to earlier this spring when my work had slowed down and income was not looking too healthy. So I did a little digging as to how we are doing in the big picture of income and expenses. To my surprise, using the Truth In Equity spreadsheet it projected we should have cash flowed around $4700 for this year, so far (7 months), well it is slightly off, we did just shy of double that amount. The way the laws of numbers work is incredible. The other BIG factor in this TIE program, it sure is teaching us to look at the big picture and not focus on the month to month or week to week details, rather focus on long term results. It is so awesome what we have done with our equity and our house hold income of 1 fixed salary.

We are continually working towards a much more stable, yet growing retirement asset with the TIE program - thank you.  It's SO AWESOME what you have done with our financial picture. It has changed everything in the way of money that we do!  Correct knowledge and long term thinking with some guidance is where it is at. Couldn't be more pleased to know we can re-allocate more of our volatile funds in 2012's tax year! Looking forward to more exciting things yet to come.  I just wish there was a Phase III in this program, because I would be in on that too!

Love all the assistance and guidance as you walk us through every step of the way!
 
Best Regards,
Andy & Angie

---

-----Original Message-----
From: John Streett [mailto:jst@gmail.com
Sent: Friday, July 29, 2011 2:37 PM
To: bill@truthinequity.com
Subject: Heloc-John Streett from West Virginia

Hello Bill,
 
I do not know if you remember me. I am the hillbilly from WV that talked to you over the phone after hearing about you from Jordan Goodman's radio broadcast. That was back in 2007. If you remember, I said I had to have a local bank do my HELOC because I had to know the people who I was banking with.
 
Just today I paid the HELOC down to $400.00. I was not sure I would ever see that day but it is here. When I talked to you last you said that when I paid it off you would show me how to invest my measly salary. You said you could show me how to build a retirement account and build it big.
 
I know I am not done with the HELOC all the way. My real estate taxes are due next month and car insurance after that so I will still be using my line of credit for a little while yet.
 
I wanted to say thank you for showing me a powerful way to get out of debt. In four years I paid off over $34,000.00. I can hardly believe it. Had I not been listening to the radio that day I would still be paying off the mortgage and for quite sometime.
 
I have two daughters who are hopefully going to college in the next three and four years respectively. I do not have a college fund for them. I have replaced one of my heat pumps three years ago and am waiting for the other one to konk out so I can replace it. My old buick is headed for the junkyard and with the price of gas I am going to have to find a vehicle with decent gas mileage to run up and down the road.
 
My question to you is this. What do I do now? 
 
John 

---

 

-----Original Message-----
From: B Shapiro
Sent: Monday, August 08, 2011 8:37 AM
To: Glenn Norton
Subject: Re: Truth In Equity

Glenn, I would like to introduce you to Tom Peterson, a good friend and business associate of mine. Tom is interested in the program.
 
Butch

---

-----Original Message-----
From: Andrea [mailto:parmajo@xcxcxc.net]
Sent: Thursday, August 04, 2011 5:08 PM
To: Lauren@TruthInEquity.com
Subject: Thank you

 
Hi Lauren,
Thank you for all the information you provided.  I'm really grateful and impressed that you took so much time with me discussing our situation.  That is a rare thing these days!!

 
Thank you again - so very much.
Andrea
 

---

 

-----Original Message-----
From: Craig & Jennifer B [mailto:jenxxxx@xmail.com]
Sent: Thursday, June 16, 2011 4:56 AM
To: bill@truthinequity.com
Subject: NEFE Study
 
Hi, Bill -

Thanks for offering to share the NEFE study - I'd be interested in reviewing it.

Thanks even more for offering the Truth in Equity program - I absolutely LOVE it and can't believe that such a simple concept can be so rewarding, yet wholly undiscovered by the American public.  I work full time for the Department of Justice, but would seriously consider an employment opportunity with Truth in Equity, assuming part-time positions are available and can be done remotely.  Over the years I've been told on numerous occasions that I'd make a great saleswoman, but have never taken an interest in sales because I could never sell something I didn't whole-heartily believe in and I don't like to push people to do/buy something they're not comfortable with.  Moreover, I don't view the Truth in Equity as a 'sales' program; it's simply a life-changing, common-sense approach to everyday finances that can seriously alter a person's life.

Looking forward to receiving the study.

Thanks, again.

Jennifer

---

 

-----Original Message-----
From: A Benes [mailto:abenes@evfgt.com]
Sent: Tuesday, June 14, 2011 9:55 AM
Subject: TIE

Hi Lauren,

It has been a while since we last spoke, how are you? Miss talking with you, we are so excited STILL with all you have done and what TIE continues to do in both Phase 1 and 2.
We are happy with all the success. Makes you think differently in almost every expense we make. Just wish we could have adjust or accommodate the big increase in fuel cost. Man!
     Anyways, this whole TIE thing is just so awesome!
            Have spoke to many people about TIE, and some who have heard of it shortly after we started, are now saying, well Andy, you are very lucky to get involved when you did!  I just laugh.  Almost everyone with good personal records/history can do this, still. That is what I love!
           
Hope all is well with you and you are keeping busy getting more and more people involved!
Can’t wait to hear from you when you have few minutes.

Thanks again!

Andy

---

 -----Original Message-----
From: mailto:Pretzldog@XXXXXXX.com 
Sent: Saturday, May 28, 2011 6:33 PM
To: bill@truthinequity.com
Subject: TIE Community Newsletter

Bill
 
We are John and Marlene Sxxxxx in OH.  Truth in Equity came into our lives about 18 months ago when I heard Jordan Goodman being interviewed on local talk radio.  He explained an amazing program that outlined the details of an opportunity to become debt free in an very short period.  Using the internet to look into the plan, I was able to view some very convincing testimonial videos.  Further research showed me how we can be on the path to debt freedom.  My application proved to be successful and financial advisor, Kristin Vincelli got us started into a most fantastic program that will allow us to become debt free in 5 - 6 years.  Our current mortgage would have had us in a debt for 23 more years paying amortized mortgage interest which was 75% of each monthly payment with minimal equity growth.  Now we have all income deposited into the HELOC which reduces the balance and interest costs are falling and equity is rising with every deposit.  Our financial life has improved immensely with Truth in Equity! 
 
Marlene and I are both employed in the travel industry and our passion is travel, travel, travel !  We can afford to spend money on travel yet still be able to reduce our outstanding balance on our home equity line of credit.  We were able to remodel our outdated bathroom while continuing to add to our equity.  Truth in Equity is the answer to financial freedom!  Just stay with the plan!!!  It`s a no brainer!!!
John and Marlene
 

---

 

   -----Original Message-----
From: Joe from MI
Sent: Wednesday, May 11, 2011 3:47 PM
To: Bill@truthinequity.com
Subject: Re: TIE

Just wanted to return your e-mail and thank you for the eye opening way to handle my finances.  Things are great. I'm debt free and my oldest boy will be home from iraq on the 20th. God is goooooooood!!!!!!!!!!!  I just would like to thank you for putting that fire under me too get things done.

joe

---

 

-----Original Message-----
From: Rick
Sent: Saturday, May 21, 2011 5:48 PM
To: Amy@truthinequity.com
Subject: Call on Sunday

Amy,
So far, I am extremely impressed and amazed by the results.  For less than a month, it doesn't seem possible that I've been able to reduce my loan balances by so much. 
I look forward to speaking with you soon.

Thanks,
Rick 

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-----Original Message-----
From: Amy W
Sent: Tuesday, May 10, 2011 12:17 PM
To: Glenn Norton
Subject: FW: Update

Hi Glenn,
Thank you so much for the personal phone call to answer my questions as well as all of the other questions that I threw at you while we were on the phone.  So much more can be accomplished with a phone call rather than trying to convey it all through email.  Thank you for always being so quick to call me and addressing the concerns that I have.

Thanks again for getting in touch with me so quickly.

Amy W

---

 

-----Original Message-----
From: rvbeach
Sent: Thursday, April 07, 2011 7:31 AM
To: VideoContest@TruthInEquity.com
Subject: Video

I think this is a good idea but I'm not sure of my skills to participate. I would give a testimonial even if there was not a contest because your program really works and I think everyone should know about it.

Roxanne V

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 -----Original Message-----
From: Pretzldog@.com 
Sent: Tuesday, April 05, 2011 2:17 PM
To: VideoContest@TruthInEquity.com
Subject: Yes!

Steve,
 
My wife and I have been in the Truth in Equity program for almost a year.  I can say that everything that was promised has been delivered.  Our mortgage had recently been refinanced and we were set back to 30 years but since entering the program the payoff will be 7 years or less.  We had almost $40,000 in equity and want to pay everything off ASAP since we are both in our 60`s.  If you follow the simple program exactly and arrange your income and expenditures accordingly, your life will be simplified and your financial future will be positively affected!  The interest each month is approximately $500 less than the conventional mortgage.  We also have not had any problem continuing our life style in spite of unexpected home and auto repairs.  I endorse this program whole heartedly and am very happy with results!  If you have any other questions, do not hesitate to ask.   
Sincerely,
 
John S

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From: Mark & Diana 
Sent: Tuesday, April 05, 2011 7:43 PM
To: VideoContest@TruthInEquity.com
Subject: Contest

Good idea.  
We are very excited about our results so far:  Our debt has gone down by $45,000 in less than seven months – that outcome  speaks for itself.

 Cheers,

Mark & Diana

Spotsylvania VA
 

---

-----Original Message-----
From: Bo Kernell
Sent: Wednesday, April 06, 2011 9:19 AM
To: VideoContest@TruthInEquity.com
Subject: video

Hello Truth & Equity team,
I am very happy with how the program is working so far. I wish I would have started a little sooner. I probably won’t be able to send a video because of lack of technological skill but I thank you for everything. It’s been great and I’m looking forward to getting the house completely paid for.   We’ve been it probably a year and a half and have seen our original loan of $ 88,000 go down to about 52,000 now and that’s with a $ 4800 truck we purchased added on.  Thanks again I definitely appreciate the service.
Bo

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-----Original Message-----
From: bernadette
Sent: Wednesday, April 06, 2011 12:54 PM
To: VideoContest@TruthInEquity.com
Subject:

Hi Bill and Dave,
 
I would love to do a testimonial for TIE because it has truly been a Godsend to find out about this method. I absolutly love it and my husband, who was very skeptical in the beginning, has been hugging me ever since we started; for talking him into taking a chance on what I thought made perfect sense. I would have to find out how to do the video camera part because I've never done it before, but I want to tell everyone about this! It is fabulous.
 
James and Bernadette

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-----Original Message-----
From: Tanya S
Sent: Monday, March 28, 2011 5:45 PM
To: lauren@truthinequity.com
Subject: RE: Equity Comparison

Hi Lauren,

We spoke just over a year ago about TIE. I wasn't ready to move forward at that time, but I am now.  Of you are still an affiliate, please contact me this week. If not, please let me know who I can contact to get started.

I hope this email finds you well, and happy new year!

Tanya S

---

 -----Original Message-----
From: David.S
Sent: Sunday, March 13, 2011 11:45 AM
To: salesmanager@truthinequity.com
Subject: 1 Year Results

I am approaching my 1 year anniversary in the Truth in Equity Program and I
have to say the results have been remarkable!  I officially refinanced late
March of 2010 into the 100% HELOC and have seen results from the 1st month
until now.  I have to say that I was some what skeptical of the program, but
after 2 months in I say the results are more than I expected.  In fact, I
made up your fee within less than 2 months into the program.  I can
clearly say that it was WELL worth the minimal fee you charged and you have
been an invaluable help the first 3-4 months of the program.  I feel I have
been on auto-pilot the last 6 months and fully understand the benefits and
"how to's" of the program.  Additionally, I made about the same money in
2009 than I did in 2010 -- It was the program that clearly had the positive
impact on the results.

Here are the results of the TIE Program prior to (Traditional Mortgage) and
after (TIE) 1 year:

PRIOR TO THE TIE PROGRAM:
-  30 Year Traditional Mortgage at a Fixed Interest Rate of 5.25%
-  26 Bi-Weekly Payments (12 months) & 4 additional payments of $438 on principle
-  February 2009 to February 2010
-  TOTAL Equity gained in 1 Year the Traditional Mortgage = $7121.00

1 YEAR IN THE TRUTH IN EQUITY PROGRAM:
-  Variable Interest rate of 4.02% - 100% HELOC
-  12 Months of payments of all cash flow
-  Leveraged for all expenses
-  TOTAL Equity gained in 1 Year with the Truth in Equity Program = $51,316.00

The Difference in the TIE Program vs. the Traditional 30 Year Mortgage is
$44,195.00 in 1 Year in the program! ($51,316 minus $7121 = $44,195).

Also, it is TAX time and I reviewed my Mortgage Interest statements for the
year and I calculated that I saved roughly $12,000 in interest by moving to
this system.  Again, this is another savings that I did not anticipate.

I would recommend this program to anyone that doesn't want to pay more
interest than they have to on their Mortgage -- Additionally, I am looking
forward to continued results and even accelerated payoff in 2011!  I can't
wait to see what my Mortgage balance is at the end of 2011...

Best Regards,

David S.
Marlborough, MA 

---

 -----Original Message-----
From: shawn@xxxx.com
Sent: Friday, February 25, 2011 1:24 PM
To: bill@truthinequity.com
Subject: Big Thanks!!!

Bill,

Big thanks to you and your team. I was awarded our Pinnacle for 4th quarter of 2010. That is a top award for loan production and growth. Your team was a big part of that win for me. I wanted to make sure you let everyone know I appreciate the referrals and keep them coming. If there are issues I can improve on, please let me know.

Respectfully,

Shawn Nelson
Private Banking Relationship Manager

---

 -----Original Message-----
From: smslt@
Sent: Friday, February 25, 2011 7:58 PM
To: diana lagarino
Subject: Re: Progress Check- Truth in Equity

Hi Diana,
 
My current balance is $183,530.16  and the loan balance for month 4 per etie is $187,125.53. It looks like I'm on track, very happy about it. The original loan balance was $199,222.00.
 
All is well, I hope the same for you.
 
Thank you,
Dena

---

-----Original Message-----
From: rvbeach
Sent: Wednesday, February 23, 2011 5:46 PM
To: Glenn Norton
Subject: Re: Jan Heloc Statement

Glenn,

Thank you. I will send you next months  statement and I appreciate your time. This is working just like you said it would. Wow!

Roxanne

---

-----Original Message-----
From: dalejesse1
Sent: Wednesday, February 23, 2011 12:20 PM
To: Amy@TruthInEquity.com
Subject: Re: Truth In Equity

Thank you Amy.  We could see after a few months of the loc paying a total of $80 in interest as opposed to $800 interest on our mortgage has really motivated us to pay it down.  So, we are on our way. . .  I tell everyone we know about the truth in equity and to give you a call.  Thank you very much.
 
Jessica C
dalejesse1

---

-----Original Message-----
From: Sally H
Sent: Tuesday, February 22, 2011 12:02 PM
To: Kristin Miller; Kristin from Truth in Equity; kristin@truthinequity.com
Subject: Re: Note from Truth in Equity

Hi, Kristin,

Sorry it's taken me so long to respond - I thought you'd like to know of our financial progress last year.
Balance 1/7/10: $266,199.95
Balance 1/7/11: $243,817.27
So we paid off a little over $22,000. Not bad, it was financially a tight year year with lots of vehicle/household expenses and keeping a High School senior in the lifestyle he has become accustomed to!

When you have a moment I would be interested in learning any other account features you think would benefit us.

Thanks for your continued interest in us!

Sally H

---

  -----Original Message-----
From: WAYNE MCLARREN
Sent: Friday, January 07, 2011 2:41 PM
To: diana lagarino
Subject: Re: Truth in Equity and Equity Optimization

Diana: Thanks for checking in.  We have paid off the Loan. We have no debt at all. Are saving money to purchase another Auto. Also investing in to different types of investments, I have not been using the etie profile. I paid off 46k in about 13 months. It was not hard to do. We are in best financial position ever. Thanks for your part in this
I hope you are doing well.
 
Sincercely
Wayne Mclarren

---

 

-----Original Message-----
From: Andy B
Sent: Monday, January 03, 2011 9:44 AM
To: Lauren@TruthInEquity.com
Subject: another Equity Optimization update

Hello Lauren,

Thank you for all your help in 2010!  We look forward to what is in store for 2011 with our financial goals/achievements as the year progresses!

Looking back on the short history of what we have accomplished from June to Dec of 2010 was impressive when we look at the money that actually fell to the principle in 6 months time, v/s what fell to the bottom line on the previous year of the 30yr fixed mortgage.  I was explaining to a friend of ours the justification of your cost and what your guidance has done in 6 months for us, has been astounding. Just that new way of banking, using our money for us, not against us. Wow!  I’d pay your fee over again for the results we have seen!
 

---

 -----Original Message-----
From: Meleanie Schafer 
Sent: Thursday, December 23, 2010 8:07 AM
To: bill@truthinequity.com
Subject: RE: Truth In Equity and Equity Optimization

Hi Bill!
 
Thanks so much for the email!  It's nice to hear from you!
We really do love the program - we think it's amazing!  Funny thing is, we try to tell others about how great it is - even pass along your website for reference and review, but it seems that most people are skeptics! Even after we tell them how great it's been for us personally and how much more we have paid off towards our principal vs. a traditional loan! We had a 15 year loan prior to Truth In Equity and this is still phenomonally better!  We have never looked back one time since signing with you guys!
Take care and thanks again for touching base!
 
Meleanie

---

 Equity Optimization works !!!

From: Lou Wilson
Sent: Wednesday, December 22, 2010 9:30 AM
To: Stephen from Truth in Equity
Subject: Re: faith based financial management

Stephen,
 
Had a nice visit with Kristin yesterday and I appreciate you sending me the info attached.  I want to say that I am very greatful for the help I received from everone at Truth In Equity which enabled me to pay off our mortgage so quickly.  This system really works great, especially for small business people who can utilize their cash flow from their company which is probably doing nothing for them at all given the interest rates today.  I think everyone can benefit from the program, but none more the small business sole proprietor.  Thanks again and best of luck in 2011.
 
Lou

---

 Equity Advantage Program  Equity Optimization
Posted by Acceleration Reviews
The Equity Advantage Program is offered by Truth In Equity which is a company that is based out of South Florida. They are a spin off of IFS Development Group.  They believe in order for their program to work for the average homeowner there must be three items in place.  First the client must be in a positive cash flow.  However if you are a little strapped for cash they may be able to help because their program would first refinance all debt into a 1st position Home Equity Line of Credit (HELOC.) or a specialty Equity Optimization program that benefits cash flow.

The second thing that must be present in order for the Equity Advantage program to be advantageous is a good credit score by the homeowner.  In fact they suggest before entertaining the thought to make sure that you possess at least a 650 credit score.  And lastly they want to make sure that their clients are in a positive equity position to begin with.  In order to secure the 1st position HELOC that this program requires these three requirements are necessary.

This program is not software based however it does have a “Truth in Equity” Calculator built in that gives their clients a thorough Equity Optimization analysis of their own unique situation.  This revolutionary calculator takes into account a client’s debt structure as well as their repayment calculations associated with their debt.  It also looks at the investment advantages as opposed to putting all of their money toward the HELOC.  They're program is also monitoring their clients tax implications not only in the short term but in the long term as well.

What Truth in Equity does in short - is that they find the best Equity Optimization process to achieve the mortgage acceleration program that is best for each unique client.  They help their clients find these specialty loans which in turn allow their clients to pay off their debt in record time.
 

---

  

-----Original Message-----
From: Chris D
Sent: Tuesday, October 26, 2010 11:25 AM
To: diana@truthinequity.com
Subject: Re: Truth in Equity and Equity Optimization

Diana,
 
I am doing very well and following the program and it seems to be working.  I currently have about $3500 of equity which is not much more than what I started with but I have been able to pay off about $8500 of credit card debt so far this year.  I have one credit card left with a balance of $2500 which I will pay off by the first of the year.  With my credit cards paid off I will have about $500 more cash flow each month so next year I should be able to start making progress on building home equity. 
 
Thanks
Chris D

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-----Original Message-----
From: Wendy D
Sent: Friday, October 08, 2010 11:54 AM
To: 'lauren@truthinequity.com'
Subject: Dancer HELOC statement

Lauren,

I have signed the contract. 
Greg & I are excited!  Thanking the Lord above for sending you our way!  Isn’t this what they call “Intentional Living”? 

Regards,

Wendy D

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  -----Original Message-----
From: anna j
Sent: Tuesday, October 05, 2010 8:13 AM
To: diana@truthinequity.com
Subject: RE: Truth in Equity and Equity Optimization

Hi Diana!
Nice to hear from you. We are definitely making a dent in our principal. We did add some money from our savings account, but my $76000 line is already down to $66000.  Still waiting for a big credit card bill that will be due at the end of October, but we definitely see how it is working quickly.  Bob has been laid off for a couple weeks and we haven't had to worry about it. Everything is working great. Thanks for your help. Expect a call from my dad soon. He may be thinking about doing his own home.

Thank you,

Anna

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-----Original Message-----
From: Andy B
Sent: Friday, October 01, 2010 8:32 AM
To: Lauren@TruthInEquity.com
Subject: Update on Equity Optimization

Good Morning Lauren,

So, have you been keeping as busy as you were last time I talked to you?
We have been working at entering the numbers as the month comes to the close. 4 months so far. I will see the statement for September here soon so I can complete that entry. We have had an expensive summer, hope to see an end of those headaches of expenses being close to income.

What I have come to enjoy with this new plan of payoff is that we see over $4000.00 on principal in 4 months which is great in my book. We did $1900 on principal in 11 months last year with the conventional 30 yr fixed. Wow!
           
So taking that into consideration, we are moving right along with payoff. I kick myself when I see we are not making faster progress, but in the conventional 30yr these last couple months would have turned us inside out. It is great to know that using your own money is better than borrowing and forking over interest and letting the banks run you.  I like to think of getting out of debt as a good thing as quick as one can.

Other than that, we have been getting ready for fall/winter, kind of happy it is starting to freeze, cuts down on some of bugs from the wet summer we had here.
           
Anyways, you have a great day, hope all is well, drop me a line when you get few minutes.

Best Regards,
  
Andy.
Litte Chute, WI.
 

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  -----Original Message-----
From: Cathy
Sent: Wednesday, September 29, 2010 5:27 PM
To: bill@truthinequity.com
Subject: Re: RE:  Equity Optimization

Bill,
Thank you so much for you're time in contacting me. It was a pleasure speaking with you and you were most kind to lend an ear. Sometimes when you are going through a rough spell God will send someone into you're life for a reason, we may not know what the reason is, but it comes at a time when a friendly person can sense that you are having a rough go of things. A kind word can make a person feel better. I truly think tonight you were that person.
From the bottom of my heart I thank you. I will definitely keep your information.
God Bless you as well.
Cathy
 

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-----Original Message-----
From: WAYNE Mc
Sent: Monday, September 27, 2010 4:10 PM
To: diana lagarino
Subject: Re: Truth in Equity and Equity Optimization

Diana: All is going good here. Looks like will pay off  our House soon. I am very glad to have found Truth in Equity because I would have had payments till 2018. I will be completely out of Debt soon and do not plan to do it again. So we are dong great.
How about you?
 
Wayne Mc
 

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-----Original Message-----
From: Wayne And Laurie
Sent: Monday, September 27, 2010 2:55 PM
To: Kristin from Truth in Equity
Subject: Re: Checking in

Hi Kristin
 
Sorry it took me so long to get back to you.  We are very happy we went this route with you.  Thank you for the best thing we ever did... We try to introduce other people to truth in equity, but they are always leery of the something that is too good to be true..I'm just glad we went with it....No regrets at all.
 
Hope all is well with you and Steve..Take care
 
Laurie and Wayne

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 -----Original Message-----
From: lisa
Sent: Monday, September 20, 2010 2:24 PM
To: diana lagarino
Subject: Re: Truth in Equity and Equity Optimization

hey..

It has been going very well.  I just love the program. 
I have been telling people about it and referring your name.
Make it a great day!

 Lisa
-------------------------------
Lisa Ellen
Pastry Chef / Food Service Consultant
Louisiana, Mississippi and Memphis 

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 -----Original Message-----
From: Tom B
Sent: Thursday, September 16, 2010 2:55 PM
To: diana lagarino
Subject: Re: Truth in Equity and Equity Optimization

Dear Diana,
 
The truth in equity stuff has been a God send!  We have retired some debt with more to follow.  We likewise have been able to pay down more of the $50,000 mortgage at the same time and have money in the savings area to take care of my self employment tax.
 
Thank you for sharing all of this with us.  As retirement nears it is comforting to know that we are in such excellent shape, and especially so given how rotten the economy is.
 
Hope that all is well with you and your health continues to be good.
 
Thank you for reaching out to us.  It means a lot.
 
Tom B

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 -----Original Message-----
From: Gregory W
Sent: Monday, August 30, 2010 9:24 AM
To: diana lagarino
Subject: RE: Truth in Equity- progress check in  Equity Optimization

Hello Diana,
Sorry to be such a bad correspondent. Things are good. We have settled into a new school year and our habits with the program are showing good results. We will begin September with a HELOC balance of $174,495. Which is $149,346 less than we started with. Way way happy….

Greg W

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-----Original Message-----
From: WAYNE M
Sent: Monday, July 26, 2010 7:51 PM
To: diana lagarino
Subject: Re: Truth in Equity and Equity Optimization

Diana: Good to hear from you. We are doing great. We are on track to pay off our house early 2011.
Our daughter is going back to school for masters program this week.
Hope you are doing well.
 
Wayne M

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 From: Bob 
Sent: Tuesday, July 13, 2010 10:06 AM
To: Kristin Miller
Subject: Re: Greetings from Truth in Equity

Kristin;

No questions. Things are going great. This is one of the best financial decisions I've ever made.

Thanks
Bob

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  -----Original Message-----
From: Colleen A
Sent: Wednesday, June 30, 2010 5:22 AM
To: Amy@TruthInEquity.com
Subject: Re: Statement

Amy,
 
We really just started the process on 6/1/10. We should be getting another statement next week which I will forward to you.  That should show some real progress.  We are so excited but we keep walking around thinking how STUPID we have been for so many years.  We are so glad we did this.
 
Colleen

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-----Original Message-----
From: Eric M
Sent: Wednesday, June 30, 2010 3:45 PM
To: 'Lisa Arcand'
Subject: RE: Truth in Equity

Lisa,
My wife and I have been using this program for 7 months and absolutely love the results so far.
Prior to this program we were using the Dave Ramsey program which is a cash only program, during that time we were able to clear out about 6 thousand dollars in 3 years.  Using this program we have cleared out 13 thousand in the 1st 4 months.

We now have no car payments and no credit card debt.

We had been on a traditional 30 year fixed mortgage, switching over we are now looking at < 9 years and that is figuring in some additional wants.

When we started looking at it, I was extremely skeptical, but so far I have found no flaw and the numbers are accurate so far.

I suggest filling out their personal profile.
Once you have filled that out, ask for Lauren Winn.
She is the lady who we talked to.  She can explain it very well.

The program is working great for our family,

Sincerely,
Kristie & Eric M
 

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-----Original Message-----
From: R Davis
Sent: Tuesday, June 15, 2010 1:58 PM
To: J Shaffer
Cc: Amy at Truth In Equity
Subject: Re: Truth in Equity
 
Hello Jerry and Lee Ann,
 
Thanks for your questions.  I must say that we were very hesitant when we first signed up for the program as well.  We have been with Truth In Equity for just under a year.  (Since July 2009)
 
We were able to pay off our mortgage ($60.000) in 8 months and have since started on Phase 2 which deals with further investing and planning for the future.  The program definately lives up to our expectations and even exceeded them.  I must say that we did have a bit of a hard time adapting to this way of thinking and doing things but are very glad that we did. In this program (if you follow the direction from your advisor) the results speak for themselves.
 
We joined as a result of a friend's advice and suggestion and we hope that you will also be blessed by the advice of others and reap the benefits of this program.  We would definately choose to do this again if we had the opportunity.
 
God bless you as you venture into this new opportunity,
G & R Davis

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 From: mariom12@
Sent: Wednesday, June 09, 2010 5:14 PM
To: Truth In Equity
Subject: Truth in equity program

Thank you so much for your help with the equity advantage program. We are amazed with how fast our loan is being payed down. Compared to a regular conventional loan where all your money goes to interest, this program by far exceeds our expectations. Your professionalism and communication skills are your greatest assets, keep up the good work. We're looking forward to a brighter financial future, this is change we can believe in.
 
Thanks M&G
 

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 -----Original Message-----
From: michael b
Sent: Monday, May 17, 2010 11:00 PM
To: "Kristin Miller"
Subject: RE: Welcome, Key Points you should know about Truth in Equity

Kristen , I sincerely thank you and your team for the rapid responses and
concise answers. It makes me feel great about your company knowing that
despite the pile of gold they have discovered, you are still trying to earn
my business diligently. In the absence of any misinformation about what your
company is representing, I'm confident in saying that I am unequivocally
yours. Furthermore, I am in the process of sending over 2 of my closest friends.
This is truly an amazing concept, the likes of which I have been waiting for some time. The fact that I have been in the financial services industry for the better part of 10 years and have never come across this is quite frankly embarrassing to me. It makes me wonder what the hell I've been doing thus far AND WHAT ELSE I have missed. I look forward to learning. Please contact me by phone tomorrow (tues) and we shall figure out together what the next steps are.
Enthusiastically,
Michael B

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 -----Original Message-----
From: david.s
Sent: Monday, May 03, 2010 12:59 PM
To: jordan.goodman
Subject: Truth In Equity

Jordan,

I emailed you a couple months ago about Truth in Equity and you got back to me.  I wanted to thank you for partnering me to Truth in Equity Team!  I am currently in their program and have seen some results within the 1st Month! Thanks!

Sincerely,
David S
Improving Health Through Innovation
District Manager - Columbus Market

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 From: P. HESTER
Sent: Friday, April 30, 2010 3:10 PM
To: Truth In Equity

Subject: Received your note today

We received your note today recognizing our 1 year anniversary.
Thank you for thinking of us.
You’re right…we should be at $102,000 but we’re not…we’re at $94,895.39.
I’d say that’s pretty good. Of course.  We’ve been satisfied and really have not had to sacrifice.

We tell many people about the program. Sadly, too many people continue living paycheck to paycheck.
But we keep trying because we believe in the program.
Again, thanks for thinking of us.
Keep in touch!
The Hester’s 

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-----Original Message-----
From: tim_moore
Sent: Friday, April 16, 2010 10:17 AM
To: bill@truthinequity.com
Subject: Just checking in
 
Hey boss (Bill),
Well, Laura and I are about to complete our 6 months of being in the program here in another week. All I can say, is simply "thank you."  We are going to pay off over 14,000 dollars in this very little time period from our mortgage. With all of the cutbacks that we have had to en dour over the last year, I truly was unsure how we were going to be able to do this. With God's guidance, and your program, this has been a real life changing thing. The stress level of trying to meet payments and make sure that we have ends meet at the end of the month are gone. You know I was probably one of the most skeptic clients that you've had to deal with, and I'm glad that you and Heather (who has been fantastic by the way) used a no pressure approach in getting me on board. When you have something good that works, you don't need to push people into it. They will know by your approach. Great job. Thank you for helping others out in this program. Don't really know how else to put it? Simple, effective, and a real stress reducer. Thanks again!
Take care chief,
Tim  

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  LinkedIn Recommendations Gene Schultz has endorsed your work as authorized associate at Truth in Equity.

Dear Diana,
I've written this recommendation of your work to share with other LinkedIn users. Details of the Recommendation: "Diana did an excellent job helping my family understand the strategy of using a HELOC with Truth In Equity. She helped walk through the process and took an active role to keep us on track and hit deadlines set at the beginning of the project. I was very satisfied with the results and feel she was an asset in helping us achieve financial goals."
Service Category: Financial Strategist
Top Qualities: Expert, Good Value, On Time  

 

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