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The Debt Elimination Calculator uses Timing Components coupled with Debt Elimination Projection Components to form 42 different Debt Elimination Strategies in which an User may direct their Money Management techniques to generate more Wealth, more Assets, more Debt Reduction, more Cash Flow, etc. over a short period of time and without spending any extra money. The DEC Philosophy espouses the fact that if fluctuating Positive Cash Flow can be directed toward the particular Debt having a Debt Elimination Payment every month, then the maximum amount of Wealth could be obtained over the course of time. Managing Users own Money offline is much safer and less expensive then having the User to go to an online Money Merge Account to perform similar actions.

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DEC is the precise tool you Need to create Net Worth Appreciation for yourself and by yourself to protect your Wealth in this depreciating Economy!

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The Debt Elimination Money Management Cycle is a technique that individuals and businesspersons can us Manage their Money in such a way create accelerated Wealth by accelerating the Debt Elimination process. The system uses a 3 Month Floating Window of operation that maximizes the Wealth Generation each and every month.
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 Debt Elimination Cycle To Create Wealth Acceleration! 

DEC is the acronym representing the Debt Elimination Calculator which is an Excel workbook that provides the user the capability of using Cash Flow to reduce Debt by reverse compounding of Interest Rates and, thereby, creating Wealth acceleration. The Debt Elimination Money Management Cycle has been established by 3W World to encompass how Individuals and Businesses want to utilize resources to accelerate the growth of their Wealth. The objective is accomplished by using last month's Cash Flow to produce next month's Wealth Generation. During this month a triad of Money Management functions will be accomplished by the user. 1) Last month's Positive Cash Flow will be determined. 2) A particular Debt will be chosen using a distinct Debt Elimination Strategy for next month's Wealth Generation. 3) The last step is to commit to use a portion of last month's Positive Cash Flow for next month's Wealth Generation.

 It Is Easy To Determine Last Month's Cash Flow! 

The DEC objective is to determine what was last month's Total Deposits and Positive Cash Flow. It is a simple process, e.g. look at last month's month-end Checking Account Statement. Total all of the Deposits. Subtract all of the expendatures. The Difference represents Positive Cash Flow. Do this exercise for Lines of Credit, Savings Accounts, Money Market Accounts, Investments, etc. Contrary to other Debt Elimination Systems that require details on how you spend Your Money, our system only needs to know the actual Positive Cash Flow in a given month. It is easy to add up all of the Income and subtract all of the Expenses. The difference is the Positive Cash Flow. Do that for your Checking Account(s), Savings Account(s), Money Market Account(s), Rental Properties, Other Investments, Lines of Credit, etc.

The DEC Money Management Process has steps. 1) Determine last month's Total Revenue and Positive Cash Flow. 2) Determine which Debt would yield the most Interesting Savings using the Positive Cash Flow. 3) Commit a significant portion of last month's Positive Cash Flow to next month's Debt Elimination. The whole Money Management process typically takes less than 30 minutes a month. 1) During the first 10 days of this month and after you have received all your Banking and Other statements, input the Positive Cash Flow into your Debt Elimination Calculator (occasionally, a Debt Profile might also have to be changed, e.g. because an Adjustable Mortgage Interest Rate might have been readjusted). 2) Right after the Data Entry is complete, click a Button to calculate all of the Debt Elimination Projection Strategies. Choose the particular Debt that generates the most accelerated next month's Wealth Projection by using all of the Positive Cash Flow available. 3) During the last 5 days of this month preview this month's Positive Cash Flow before you commit last month's Positive Cash Flow to next month's Debt Elimination. If the comparison is equal or greater, then commit 90% of Positive Cash Flow, or else perhaps commit only 75%. Whatever the amount you decide to commit, schedule the Debt Elimination Payment to be received by the first day of next month.

 Next Month's Wealth Generation Is A Certainty! 

Next Month's Wealth Generation Is An Absolute Mathematical Certainty! One of the wonderful aspects of Debt Elimination creating massive Interest Savings, reducing the Number of Payments in the process is that the Wealth generated is a mathematical Certainty. Calculations like 2 + 2 always equals 4. The same result just like it was eons ago. Amortized Debt is always computed in the same way and you can rely on the Debt Elimination Savings.

Using DEC eliminates over 97% of the work it would take perform the same tasks manually. That is why DEC is such an effective Money Management tool. By using the Debt Elimination Calculator as your Wealth Generation tool, the use of your time is extremely efficient. For example, it only takes 5 to 10 minutes to input the data and only about 5 minutes to commit the portion of the Positive Cash Flow to the Debt Elimination Payment. Where else could you earn thousands and thousands of dollars for less than 30 minutes work in any given month?

 One More Thought: Behavior Never Lies! 

Old Habits are hard to change! DEC provides precious time saving resources in accelerating Wealth for an individual or a businessperson. If you are the type of individual living in your residence or managing a business who's behavior never changes in regards to new concepts, methods, and ideas, then perhaps you should open your thought process to accept that Wealth Acceleration is not only possible, but it is being handed to you. All you need to do is to decide for yourself, if you like to have Your Money sitting in the Bank Account earning nothing or only pennies on the dollar or not! If you are satisfied earning only 12 pennies on the dollar in this next year, wouldn't you be more satisfied earning 12 times hundreds and hundreds of pennies in this next 12 months? Think about it! Do the right thing! Change your behavior! Get the Debt Elimination Calculator ASAP for your family's and/or you business's best interest.

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