[ucodegen]

I have given you the chance to prove it with numbers from the program itself. No result has been forthcoming. I have asked since this post. I’ll then run an Excel sheet against those numbers (being the know-it-all who knows how to do that) showing how the method like no_such_reality’s compares. NOTE: I’ll take into account the payment of the software against the benefit of the software

Jumby – This site is all about doing the numbers. Where are the numbers?

Your mama is busted….and then she had you… Sales blogger turned into Troll!!

[ucodegen]

I have given you the chance to prove it with numbers from the program itself. No result has been forthcoming. I have asked since this post. I’ll then run an Excel sheet against those numbers (being the know-it-all who knows how to do that) showing how the method like no_such_reality’s compares. NOTE: I’ll take into account the payment of the software against the benefit of the software

Jumby – This site is all about doing the numbers. Where are the numbers?

Your mama is busted….and then she had you… Sales blogger turned into Troll!!

[ucodegen]

I have given you the chance to prove it with numbers from the program itself. No result has been forthcoming. I have asked since this post. I’ll then run an Excel sheet against those numbers (being the know-it-all who knows how to do that) showing how the method like no_such_reality’s compares. NOTE: I’ll take into account the payment of the software against the benefit of the software

Jumby – This site is all about doing the numbers. Where are the numbers?

Your mama is busted….and then she had you… Sales blogger turned into Troll!!

[ucodegen]

I have given you the chance to prove it with numbers from the program itself. No result has been forthcoming. I have asked since this post. I’ll then run an Excel sheet against those numbers (being the know-it-all who knows how to do that) showing how the method like no_such_reality’s compares. NOTE: I’ll take into account the payment of the software against the benefit of the software

Jumby – This site is all about doing the numbers. Where are the numbers?

Your mama is busted….and then she had you… Sales blogger turned into Troll!!

[ucodegen]

You have had quite a few people calling on the fact that your approach is a sales job.. not just me. Just because I go into the details of your approach you get offended..

no.. you’re just busted, that is all..

[ucodegen]

You have had quite a few people calling on the fact that your approach is a sales job.. not just me. Just because I go into the details of your approach you get offended..

no.. you’re just busted, that is all..

[ucodegen]

You have had quite a few people calling on the fact that your approach is a sales job.. not just me. Just because I go into the details of your approach you get offended..

no.. you’re just busted, that is all..

[ucodegen]

You have had quite a few people calling on the fact that your approach is a sales job.. not just me. Just because I go into the details of your approach you get offended..

no.. you’re just busted, that is all..

[ucodegen]

For example, let’s say this “program” actually works for a minute (I’m not convinced either way yet).

Sounds like a sales job again!! Salespeople want you to first assume that it will satisfy the need, or they create the perception of a need and present how their product will solve it.. then all they have to do is go for closing pitch.. and we can make the monthly payments quite affordable, besides look at all the money you would save.

[ucodegen]

For example, let’s say this “program” actually works for a minute (I’m not convinced either way yet).

Sounds like a sales job again!! Salespeople want you to first assume that it will satisfy the need, or they create the perception of a need and present how their product will solve it.. then all they have to do is go for closing pitch.. and we can make the monthly payments quite affordable, besides look at all the money you would save.

[ucodegen]

For example, let’s say this “program” actually works for a minute (I’m not convinced either way yet).

Sounds like a sales job again!! Salespeople want you to first assume that it will satisfy the need, or they create the perception of a need and present how their product will solve it.. then all they have to do is go for closing pitch.. and we can make the monthly payments quite affordable, besides look at all the money you would save.

[ucodegen]

For example, let’s say this “program” actually works for a minute (I’m not convinced either way yet).

Sounds like a sales job again!! Salespeople want you to first assume that it will satisfy the need, or they create the perception of a need and present how their product will solve it.. then all they have to do is go for closing pitch.. and we can make the monthly payments quite affordable, besides look at all the money you would save.

[ucodegen]

You love calling BS, but you calling it so quickly all the time is BS.
I call it because you are full of it, wanting to accept your numbers without proof even though the violate basic mathematical principles.

You then attempt to ingrate with us by trying to sound like you are like us.

For example, let’s say this “program” actually works for a minute (I’m not convinced either way yet).

Wrong approach. You assume it doesn’t and then you run numbers to test it. You then compare the results with methodologies other people here have mentioned are similar. You still have yet to produce sample data from said program.

It would NOT be smart to pay off the mortgage early (if you could). The best thing to do would be continue to pay the monthly payment for 10 years (1/3 of a 30 year mortgage) claiming the deduction during that time, at only 6% (give or take) and putting that lump sum money elsewhere (assuming it could beat 6%).

You just proved you don’t know the math. As you do an accelerated pay-down of the mortgage.. by any means, your tax deduction reduced because the deduction is based upon the amount of interest on remaining principle. Mortgage companies flatline the payments to make them easier (and make it last longer). If you took the approach of paying 6% interest on balance and 3% of remaining principle monthly payments would be decreasing month to month (because the principle will be decreasing). The other point, made by ‘no_such_reality’ is that these programs work by doing pre-payments, using the HELOC to cover any emergencies. If there is an HELOC drawdown, the base mortgage monthly gets covered first, HELOC excess gets covered next and any balance goes to prepay the mortgage.

[ucodegen]

You love calling BS, but you calling it so quickly all the time is BS.
I call it because you are full of it, wanting to accept your numbers without proof even though the violate basic mathematical principles.

You then attempt to ingrate with us by trying to sound like you are like us.

For example, let’s say this “program” actually works for a minute (I’m not convinced either way yet).

Wrong approach. You assume it doesn’t and then you run numbers to test it. You then compare the results with methodologies other people here have mentioned are similar. You still have yet to produce sample data from said program.

It would NOT be smart to pay off the mortgage early (if you could). The best thing to do would be continue to pay the monthly payment for 10 years (1/3 of a 30 year mortgage) claiming the deduction during that time, at only 6% (give or take) and putting that lump sum money elsewhere (assuming it could beat 6%).

You just proved you don’t know the math. As you do an accelerated pay-down of the mortgage.. by any means, your tax deduction reduced because the deduction is based upon the amount of interest on remaining principle. Mortgage companies flatline the payments to make them easier (and make it last longer). If you took the approach of paying 6% interest on balance and 3% of remaining principle monthly payments would be decreasing month to month (because the principle will be decreasing). The other point, made by ‘no_such_reality’ is that these programs work by doing pre-payments, using the HELOC to cover any emergencies. If there is an HELOC drawdown, the base mortgage monthly gets covered first, HELOC excess gets covered next and any balance goes to prepay the mortgage.

[ucodegen]

You love calling BS, but you calling it so quickly all the time is BS.
I call it because you are full of it, wanting to accept your numbers without proof even though the violate basic mathematical principles.

You then attempt to ingrate with us by trying to sound like you are like us.

For example, let’s say this “program” actually works for a minute (I’m not convinced either way yet).

Wrong approach. You assume it doesn’t and then you run numbers to test it. You then compare the results with methodologies other people here have mentioned are similar. You still have yet to produce sample data from said program.

It would NOT be smart to pay off the mortgage early (if you could). The best thing to do would be continue to pay the monthly payment for 10 years (1/3 of a 30 year mortgage) claiming the deduction during that time, at only 6% (give or take) and putting that lump sum money elsewhere (assuming it could beat 6%).

You just proved you don’t know the math. As you do an accelerated pay-down of the mortgage.. by any means, your tax deduction reduced because the deduction is based upon the amount of interest on remaining principle. Mortgage companies flatline the payments to make them easier (and make it last longer). If you took the approach of paying 6% interest on balance and 3% of remaining principle monthly payments would be decreasing month to month (because the principle will be decreasing). The other point, made by ‘no_such_reality’ is that these programs work by doing pre-payments, using the HELOC to cover any emergencies. If there is an HELOC drawdown, the base mortgage monthly gets covered first, HELOC excess gets covered next and any balance goes to prepay the mortgage.

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