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Debt Elimination And Wealth Creation Philosophy!
It makes perfect sense to many people that it is better to create more Prosperity for yourself every month rather than having you dismissing the Opportunity. Do you AGREE? What if you could invest just 30 minutes a month accelerating the growth of your Assets without spending any extra Money, would you change your Behavior to become more Affluent? If you can answer these questions in the affirmative, the Debt Elimination Calculator (DEC) will help you manage your resources. The DEC Reporting system provides the necessary information so that you can maximize your Wealth Generation each and every month.
Debt Elimination And Wealth Acceleration Reporting!
The DEC Reporting system includes a Debt Elimination Summary, a Detailed Analysis, and a Budget Comparison Charts on the Wealth Generation results for the chosen amount of Cash Flow allocated for Debt Elimination. The output is organized by having Seven different Timing Strategies (1, 2, ... 7) and Six different Debt Elimination Projection Types (Interest Savings, Return on Cash Flow, Payments Eliminated, Interest Balance, Return on Interest Balance, Net Cash Flow). In addition to these 42 strategies there are also Two other Debt Elimination strategies involving Lines of Credit and Re-Financing.
Debt Elimination Timing Reporting Strategies!
Debt Elimination Projection Summary
Strategy
|
Name
of Loan
|
Number
of Payments Eliminated
|
Return
on $1,713.00 Cash Flow
|
Debt
Elimination
Savings
|
|
1
|
Loan
1
|
6
|
617.06%
|
$10,570.16
|
|
2
|
Loan
1
|
18
|
587.83%
|
$30,208.44
|
|
3
|
Loan
1
|
63
|
447.57%
|
$92,001.89
|
|
4
|
Loan
1
|
18
|
591.65%
|
$30,404.66
|
|
5
|
Loan
1
|
35
|
557.70%
|
$57,320.18
|
|
6
|
Loan
1
|
55
|
527.80%
|
$81,371.26
|
|
7
|
Loan
1
|
69
|
501.21%
|
$103,028.67
|
|
The
Light Green background indicate precise Strategy
1 results.
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The DEC Timing strategies includes Debt Elimination Projections with and without using a Power Account. A Power Account can be a Line of Credit, a Savings Account, or a Money Market Account. Also a Power Account is a Timing strategy that is deployed for the sole purpose of eliminating all of the Interest on Interest charges in addition to the Interest Savings normally obtained by using a Debt Elimination technique.
There are seven different DEC Timing Reporting strategies as follows:
1) Projections for the Next Month without using a Power Account,
2) Projections for the Next 3 Months without using a Power Account,
3) Projections for the Next 12 Months without using a Power Account,
4) Projections for the Next 3 Months using a Power Account,
5) Projections for the Next 6 Months using a Power Account,
6) Projections for the Next 9 Months using a Power Account, and
7) Projections for the Next 12 Months using a Power Account.
Debt Elimination Projection Analysis Reporting!
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The Projection Analysis using the DEC product identifies six Projection Reporting strategies; three of which are on the right. Namely, they are 1) Interest Savings, 2) Return on Cash Flow, 3) Payments Eliminated, 4) Interest Balance, 5) Return on Interest Balance, and the 6) Net Cash Flow strategies.
These DEC strategies when combined with the Timing strategies produce 42 different Debt Elimination strategies an individual or business person could use as their primary Debt Elimination technique. Every Projection strategy seeks to reduce Debt and to enhance Wealth comparing all of the Debt Profiles by each of the Timing Strategies. The Debt that would create the most Wealth is suggested to be the targeted Debt for Next Month's Debt Elimination Payment. A decision each DEC user must make is choosing which one of the 42 strategies meet their own Wealth Generation objectives.
|
|
Interest Savings Strategies
|
Amount
|
|
1. Next Month
|
$8,188.73
|
|
2. Next 3 Months
|
$23,861.39
|
|
3. Next Year
|
$84,506.00
|
|
4. Next 3 Months
with PA
|
$24,004.85
|
|
5. Next 6 Months
with PA
|
$46,432.44
|
|
6. Next 9 Months
with PA
|
$67,445.35
|
|
7. Next 12 Months
with PA
|
$87,179.75
|
|
Return on Cash Flow
|
Return
|
|
1. Next Month
|
478.03%
|
|
2. Next 3 Months
|
464.32%
|
|
3. Next Year
|
411.10%
|
|
4. Next 3 Months
with PA
|
467.11%
|
|
5. Next 6 Months
with PA
|
451.77%
|
|
6. Next 9 Months
with PA
|
437.47%
|
|
7. Next 12 Months
with PA
|
424.11%
|
|
Payments Eliminated
|
Number
|
|
1. Next Month
|
3
|
|
2. Next 3 Months
|
11
|
|
3. Next Year
|
40
|
|
4. Next 3 Months
with PA
|
11
|
|
5. Next 6 Months
with PA
|
21
|
|
6. Next 9 Months
with PA
|
31
|
|
7. Next 12 Months
with PA
|
41
|
|
|
Debt Elimination Budget Comparison Analysis!
One of the most meaningful benefits a DEC user has with the DEC product is knowing how their Budget would be impacted with the next month's Debt Elimination Payment. DEC compares either the Original Budget Profile or the Current Budget Profile with the Budget Profile of any Debt Elimination strategy. The result of this Analysis is summarized in a pair of charts, i.e. the 1) Budget Profile (Original or Current) and 2) Debt Elimination Budget Profile. The results of the before and after Budget Comparisons are eye-opening.
The DEC Reporting system provides the Analysis for every Debt and for every Strategy. The total amount of Income is normalized (weighted) across the entire Debt Profile spectrum based on the Principal and Interest associated with each Debt. Thereby, giving users accurate Budget Comparisons for controlling their Wealth Generation destiny.
Original Or Current Budget Profile!
The first chart in the DEC Budget Profile system has to do with either the Original Debt Profile before any Payments had been made on the loan or the Current Debt Profile having all of the Payments made on the loan up to Today's Date. The Pie Chart (click the icon to the right) has 3 sections that represent portions of the Income associated with the loan, i.e. 1) Savings & CF representing Savings and Positive Cash Flow, 2) Net Expenses representing Living Expenses or Business Expenses, and 3) Debt Expenses representing the Interest associated with the loan.
Debt Elimination Budget Profile!
The second chart in the DEC Budget Profile system has to do with the Debt Elimination Budget Profile that would occur beginning with the Next Month's Debt Elimination Payment. The Pie Chart (click the icon to the right) has 3 sections that represent portions of the Income associated with the loan, i.e. 1) Dilated Savings & CF representing increased Savings and Positive Cash Flow, 2) Net Expenses representing the same Living Expenses or Business Expenses as the other chart, and 3) Reduced Debt Expenses representing the diminished Interest associated with the loan. It is important to note the difference between this chart and the other chart represents a Positive Change in the Equity position, i.e. Wealth Generation.
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