Debt is Stupid

I just got off the phone with a client that was a little discouraged that the bank had called him up this morning and told him that he had been approved for a $45,000 HELOC @ 9%.

He was upset that the payout our analysis showed would not be achievable with such a “high” interest rate. Truth be known, the default interest rate is 10% on our analysis software which we use to run our clients numbers. His analysis shows him that he could pay off his mortgage in 7.2 years. That is down from 28 years! I changed his interest rate to 19% and re-ran his analysis, what do you think it did to his pay out? I wish I could go to commercial now to help build the suspense.

It changes it to 7.3 years…ONLY ONE ADDITIONAL MONTH!!!

The banks and mortgage have done an extra ordinary job convincing us that rate is the determining factor. Rate, Rate, Rate, if you listen to the radio or watch TV you hear commercial after commercial pounding you on rate. Is this because they want to help the American homeowner get out of debt? No! It is to get us to refinance, so they can make another big fat commission.

Yes, rate does affect us, but TERM is what we need to focus on. That is what our service does. It works 24 hours, seven days a week. Its purpose is to calculate the fastest pay off. The “fastest way to zero” is what we should all be focusing on.

Now I know there are people out there filling entire hotel rooms to teach people that the way to get rich is to take every dime out of you equity out of their home and invest it, and the return on the money will be greater than the interest saved by using our system. Next time you are at one of those seminars ask the presenter, Who does the refinance? If it is them or an affiliate…RUN!!! This is how they are becoming rich, not by using the system that they are peddling.

There are two other reasons that I can see why to use our service to GET OUT OF DEBT rather than these “investment programs”. One is that the Bible tells us over and over again to GET OUT OF DEBT. I have searched and searched where it might say to mortgage your home to the hilt to build wealth. Nothing.

The other is more personal. Three years ago my wife was in a horrible car accident. We have nine children that were traumatized beyond anything that a child should have to go through. We didn’t know if our children would lose their mother or if she would be in a wheel chair the rest of her life. Going through this situation has clarified for me what I should be doing for my family. I know that I have no business gambling with the equity in my home. Paying off my mortgage and solidifying the financial future of my family is the right thing to do for my family.

After I pay off my primary mortgage I can be more aggressive with investment properties that I have the ability to pick up along the way.

Thanks again,
Lee Bradshaw
Co-Founder of The Jubilee Project

P.S. My wife is doing great. At times it has been very hard. We know what doesn’t destroy you will make you stronger. We expect her to make a full recovery..

I like to answer emails, and the latest one was asking about our company, Jubilee Worldwide, which also links back to ‘Jubilee World Financial’ (a division of JWW). So I thought it would be nice to address the email for all to read.

Let me ask you, dear reader, a couple questions:

What would you personally do, if you came across the greatest tool you had ever seen, which could change the lives of American Families forever, and it was placed right in your lap?

Are you of the character to take up the challenge of bringing it to as many people as could benefit from this blessing? Or are you one that would simply use what you need and let the rest slide off into darkness, without a second thought?

When I was personally approached with this service, I was told I would be able to save over $109,000 in interest and shave off 22 years from my mortgage payments. 22 YEARS, from my then 29 year mortgage…that I would never have to pay, because this phenomenal tool would show me how to use my money in the most effective way possible, without having to guess or deal with all the financial variables of my life.

I am married to my sweetheart and we have 10 wonderful children. That being said, I also have a great deal of variables…more than most. So “variables” was a tremendous factor in choosing this service for my own family. At the same time, I saw the potential of what this could do for OTHER families, and before I ever purchased the program, I called my brothers Ondi and Lee.

I wanted to know if they saw what (I thought) I saw.

Lee is older than I am, and had more experience with aspects of this nature, so I respect his thoughts and point of view. I had been talking to Ondi about this service, and we both agreed that Lee would help us find flaws, if any, before we decided to participate. Not only did we all see the same blessings for American families, we all felt this was what we wanted to do for the rest of our lives.

We had found a dynamic, moral, ethical, beneficial service that would be nothing short of a miracle to most families and most financial situations. More than that, we found a single driving force that would allow us all to work together, combine our individual talents and allow us to give ourselves in the service of others, with full passion of heart and commitment.

In response, ‘The Jubilee Project’ was born.

Dear friends, this has become a way of life to us, and a crusade, if you will, to bring this blessing to each and every household that can benefit from it. We are on the web, on the radio, in podcasts, in print, giving homeowner workshops every week, and establishing a dynamic sales organization across the country.

In only a few short months, The Jubilee Project was found from boarder to boarder and coast to coast, serving all 50 states. Yet we answer our own phones, and we strive every day to reinvent ourselves, to make sure we give the most caring support, honest information and ongoing encouragement to families who need our help. It’s the families which drive us—to see that weight of pressure being lifted when we show a person the actual, literal light at the end of the tunnel. The smiles, the tears…and even the high-fives and belly busts (seriously, we get those) from people who now know they can get their finances under control and behind them.

That’s why we chose “The Jubilee Project”.

This is a worthwhile endeavor, to save people from debt and giving them back a degree of hope and peace, because they now know their day of celebration. The day when they will be completely debt free to live their lives as they see fit.

I appreciate the email and question, and hope that answered it for you.

God Bless.
Jaime Buckley

When Simon was only 8 months old, he was my youngest of nine beautiful children–but he had experienced what none of his siblings has experienced, and that’s half a mouthful of teeth at nearly the same time. His teething sessions are so long, painful and excruciating, with fevers, screaming and many long, sleepless nights for my sweet wife and myself.

One specific night, I watched Simon as he rolled around on our bed, crying, sobbing and at times screaming with pain that could not be comforted. The sad part was, I knew this process had happened a couple weeks previous, and it would happen again in three to five weeks as more teeth came in. It was inevitable pain, and there was nothing my wife and I could do about it.

How many of us are struggling, twisting and turning from the pain of our mortgage payments? Many of us, because of life’s circumstances have even increased the pain by trying to buy a home through sub-prime loans. The stress of knowing that the slightest glitch in our lives could create a chain of events that could take that home away and do even more long term damage (financially) to our lives. 30 years we plan to struggle with this pain and trouble.

And yet, we go back to our Lenders, who see us withering in agony over the accumulated debt, and offer not a solution, but a moments breath before the cycle of agony starts all over again, for another 30 year cycle. The hole is now deeper and harder to get out of…but we do it, because there is no other way, and you know the cycle will happen again in three to five years.

Sounds like Simons teething again, doesn’t it?The difference is, there IS a better way…for you and for me, when it comes to our mortgages. A way to stop the pain, to take control of our future and our debts, and not only be set free once and for all…but create ongoing wealth and actual, substantial security for our future.

Stop the pain. Start your path out of debt today.

All it takes is an hour with us, via internet–and you could save tens to hundreds of thousands of dollars of interest, while shaving YEARS off your mortgage and debt.

Jaime D. Buckley
Co-Founder of Jubilee Worldwide
“Building stronger families through health and wealth.”
877.870.8755

I’ve been on this crusade for nearly 2 years at the point of this article, and I have to say the results are exciting…but not nearly good enough.

Debt is STUPID and too many people simply don’t get the hint.

When my brothers and I started this adventure, which quickly grew into a literal life-changing crusade to save the American Family from debt, we had a goal of influencing 365 families with our uniques and successful system of debt reduction. That’s a loft goal: one family every day of the year.

So we worked hard, and there were many nights I didn’t see my own family, but I was supported in this worthy cause by those who love me—as we were striving to help our own relatives in addition to the main goal. At the end of the first calendar year, we sat and did a tally of the results.

We had nearly tripled our original goal.

Almost 900 families had been affected by our message and system in a positive way! The average client was saving $125K-150K in future mortgage interest and at least 10 years from their mortgages—many of them saved FAR MORE…along with eliminating ALL THEIR OTHER DEBT!! That means cars, trucks, credit cards, time shares, boats, school loans, hospital bills, personal loans, over stretched HELOC’s they tried to use on their own…and the list went on and on.

What’s even more exciting, at least to me personally, is we started converting professionals in many fields who now see our method as a tool and vehicle to help their own clients do more than just dig a bigger hole of debt–especially when they refinance. People from the mortgage fields, real estate fields, insurance and even construction fields started learning about what we do and how we help people. In fact, even people who were previously converted to the idea of ‘leveraging’ your home–to use all the equity possible to invest (such as “equity harvesting”), changed course to save families from a harmful road of destruction.

Over time, we converted bankers, credit unions and other lending institutions to our way of thinking…and this is only the beginning.

Oh, there is no question that there are sources and countless people on the internet and in various industries who hate and loathe us. People and organizations who will most assuredly fight us to the death. Why? Simply because we are a loud, ever present visual thorn in their sides. We are a literal threat to their way of life and the line of thinking they have conditioned their clients to believe in, which over time—have lined their pockets with profit. We, my friends, are the reminder that what they are doing is actually spinning lies and convincing American Families to take risks base on the ‘stability’ of society and government.

That right there should nominate them for the Darwin award.

The mistake we made was being the good Samaritan under all circumstances. To stand by and take abuse from evil designing individuals who do not have your families best interests at heart. To our opponents, it’s about the paycheck, the commission, the profit line. Hence, we feel it’s our mission, our duty and responsibility to step it up and call what we see, how we see it, when we see it.

That is our commitment to you.

To bring you another line of thinking, knowing you have a brain, having confidence in the people to make their own decisions if it actually means enough to them. We know you can do this. We are doing this with our own families and thus we desire to share with others.

Judge for yourself…then choose for yourself.

We will help you any way we can.

God Bless.