Amazing Insider Secrets To How I Went From Living Paycheck To Paycheck With No Wiggle Room In My Budget, To Now On My Way To Retiring Debt Free In 10 Years, All Without Spending More Or Changing My Lifestyle

Now, with the release of this incredible information, you can easily retire early or pay for your kids college education, and live debt free in stunningly short time.

Best of all you can try it out free if you like.

Dear Homeowner,

My name is Neil Venketramen.

I would like to share with you my amazing story of how I uncovered the exact steps to pay off my mortgage without paying extra, and now I am on track to retire in 10 years and save $67,000, while protecting myself from the biggest threat to my retirement dreams.

Eight years ago, my financial situation was ugly and looked like this:

• I had no wiggle room in my budget,
• I lived paycheck to paycheck, and
• I felt like there was nothing I could do to change my circumstances.

Despite my situation, I was driven to find a way to retire within 10 years. My burning desire was to be financially independent and completely wipe out my burdensome mortgage payment.

One winter day, I finally cracked and just about had enough with my situation and decided to take action to change my life.

From that day onwards, I spent almost three years trying, testing, and working on different financial techniques before finally discovering a simple method that transformed my financial situation.

And now I am still on track to retire in 10 years.

Best of all, I know I will be able to retire free of my burdensome mortgage debt.

My Secret Confession…

First, I’m going to tell you about my financial situation, even though it was something I was embarrassed of and ashamed to discuss.

Every month, I was living paycheck to paycheck despite working for Deloitte & Touche, the largest CPA firm in Chicago.

That’s right. I was a financial consultant with one of the world’s largest CPA firm, where I spent thirteen years of my life dedicated to helping others.

I even spent over 6 years in college taking advanced degrees in finance and that makes my situation more embarrassing to talk about.

With my knowledge and experience, you would think I should have found a solution to retiring earlier.

But with work and all the other responsibilities in my life, I felt like I never had enough time to do this.

And what I found was that every month I often took a small bite out of my savings.

But 3 years ago, I decided I had enough.

I resolved to retire debt-free in 10 years and decided to put my 13 years of financial expertise to work for me.

Despite These Minor Setbacks, I Was A Man On A Mission To Retire
Early. I Knew There Was A Way To Retire In 10 Years But Could
Not Place My Finger On It Yet.

I became a little obsessive on my quest.  You would think I was trying to break the world record for trying to figure out how to sit on a beach living debt free.

My quest began by reading a mountain of books, and even shamelessly calling on financial advisors who worked with high net worth clients here in Chicago. I believed they had the key to the magical fountain of retirement and they would share this knowledge with me.

But they all preached the same steps. I had to save extra money to pay off my mortgage in order to retire early.

I even read in a book, one of the all time bestsellers, The Richest Man In Babylon, that I had to pay myself first, by saving 10% of my income before I paid any bills.

I tried saving, despite having very little wiggle room in my paycheck.

What happened next was incredibly frustrating.

I ended up spending every dime of my savings on a variety of “emergencies” that kept popping up.

These included emergencies like high real estate taxes, higher food, gas bills, medical bills for my parents, and there was a never ending list of unforeseeable emergencies that always seemed to appear one after another.

I paid myself and saved 10% of my income for 5 months before I quit using this method. I could not keep this up every month.

Don’t get me wrong…

This method definitely works but I found it challenging to make this work for me.

The Silent Killer

I knew that if I had to still make a mortgage payment during my retirement, it would destroy my 401(k) and all other retirement savings that I worked so hard to accumulate.

Imagine for a second, spending at least 35% of your retirement savings towards your mortgage or even extending your retirement so that you can pay off all your debt first.

So, I naturally did what most homeowners would do in my situation.

I forced myself to enroll in the bi-weekly payment program at work, even though I had no room in my paycheck.

You know that method that allows you to make two payments to your mortgage each month rather than one monthly payment at the end of the month.

I Was Being Ripped Off…

Six months into the bi weekly payment process, I discovered that the bi-weekly payment made no difference to my situation.

In fact the bank kept the extra payments, and was investing this money. When I spoke to my banker, he told me that the bank would only allocate my extra payment at the end of the year. I was not getting any immediate benefit from this method.

I was paying for a program, which I had to make one extra payment and was being charged by the bank for using this system.

Frustrated with the no immediate results, I pulled the plug on this technique.

I knew that if I had kept going on that same path, I had no chance of paying off my mortgage, and in fact no chance of retiring until I was seventy-one years old, on the day my mortgage would be fully paid off.

And then it happened…

How I Cracked The Code On Paying Off My Mortgage And
Achieving My Dream Of Early Retirement

Three years after starting down this road, while still stuck in a financial twilight zone, I happened to have a chance conversation with my brother living in Australia.

He described a fascinating loan payment program, which he used in Australia to pay off his mortgage 8 years early without paying one extra cent.

The method he described is called ‘Mortgage Accelerator Loan’ and involves using special accounts to pay off a mortgage faster, without changing your lifestyle.

With this type of loan, your principal balance on your mortgage balance is decrease faster and you end up saving a great deal of interest.

But there was one problem. Those loan programs were only available in Australia and were not here in the U.S.

How I Put The Pieces Of The Puzzle Together

My breakthrough came at the right moment, and I realized that my solution had actually been right under my nose the entire time.

I realized there had to be away to pay off my mortgage faster, without refinancing or making additional payments, since I had no wiggle room my budget.

And I did not want to refinance my mortgage because of the high interest rates and costs of refinancing.

I Stumbled On An Idea:

It is so simple and obvious that I must warn you it may sound too simple for you to believe.

After hearing about the accelerator loans, I stumbled on an idea of using the Home Equity Line of Credit (HELOC), here in the US, as an “accelerator loan.”

I simply merged my checking account with my HELOC and…

I began testing each step of the process, from depositing my paycheck into the HELOC, to paying my bills automatically.

Accidentally - as it turns out, by paying my bills from my HELOC on one specific day of the month, I immediately slashed two and a half years off my first mortgage within the first month.

The reason this works so well, …

Your paycheck is applied to your mortgage first before you spend it, and when need the money, it is yours.

You then use the HELOC as a means to pay off your bills, and your mortgage each month. The best part, your HELOC automatically creates the savings for you, which you can then apply to your mortgage.

Any money not spent paying your bills would not earn much interest if it were in a savings account or checking account, but using this method, it significantly reduces the overall life of your mortgage.

So, you have the choice of paying extra or just using the savings created by the HELOC to rapidly decrease your mortgage.

And once you automate this method, you end up paying off your mortgage early and saving tens of thousands of dollars.

And, I Uncovered A Double Benefit...

While testing this system I discovered that I could use this exact method to take control of my credit cards, and never have to worry about raking up more debt or paying excessive interest charges.

But I needed to know if this would work for others.

Why I Created The Ultimate Mortgage Payoff Program

I had the fortune of talking to other homeowners who also had a strong desire to retire early, and to parents who had kids in college but did not have extra money each month to save for their kids college tuition.

It became obvious that most of the families I spoke to were burdened with their mortgage debt, and desperately wanted to pay it off.

But there was one frustration…

They all had very little wiggle room in their budget to pay off their debt, send their kids to school, or to enjoy the benefits of early retirement...

…and there were no effective techniques to help them realize their dreams.

And worst of all, they had been given poor advice by of their financial advisors.

For example, have you ever been told?

• You should never pay off your mortgage if you plan to move in 5 years, or
• You are always better off investing than paying off your debt

After learning more about their situations, I quickly realized that key information were being withheld from them, and maybe from you as well.

I even discovered that some families were handed down the worst financial advice of all.

They were told that they could potentially lose their tax deductions if they paid off their mortgage faster.

And after consulting with tax advisors on this matter, you still get most of your tax deductions if you decided to pay off your home faster.

And the best part of all, you get to keep your entire mortgage payment for yourself once you pay off your home early.

And That Is How It Was Created Here In Chicago.

I devised a three-step system that anyone can use to pay off their mortgage 7 to 10 years early without  spending a single dime from their pocket…

…And in certain cases, it is not uncommon for my clients to pay off their mortgages 15 years, or even 17 years faster.

Others Did It Too

I showed this method to a couple both of whom were teachers, who were 11 years away from spending their retirement days, travelling all over the country visiting their grandchildren.

But they did not make a lot of money and were considering postponing their retirement dreams simply to make their mortgage payment.

After I explained my method to them, they immediately implemented it and are now on track to paying off their mortgage and retiring in 11 years. They can now pack their bags and travel without a single care in the world.

Soon afterwards, I helped a single working mother with no extra room for savings in her paycheck; build a reserve of $56,363 to send her kids to college.

I still remember how nervous she was on the first day we met. But just minutes after setting up her accounts, she automated her bill paying and merged her checking account with her HELOC,  … well the the rest was history.

Now You Can Get Access To These Secrets

If you like to retire in the next ten years but are living paycheck to paycheck…

…Or if you have not yet saved for your kid’s college education and have no wiggle room in your monthly budget…

…Or if you would just like to get out of debt without spending another dime…

Then I would like to introduce you to this simple but powerful system I have created.

The 3-Step Mortgage Pay Off Method

Inside this program I am going to show you step by step, in the same way I would if I were sitting next to you, “how to pay off your mortgage ten years early” and…

…how to save yourself over $67,000 in interest, so that  ...

… you can use the money to retire early, send your kids to college, or completely eliminate debt once and for all.

This system goes far beyond the basic financial advice that is forced on you every day because it takes into account your specific situation, eliminates obstacles that prevent you from paying off your mortgage, and puts the entire program on autopilot so that you will quickly and effortlessly be on your way to your achieving your dreams.

You Do Not Have To Take Three Years To Figure This Out As I Did.

The real secret is how you set up the mortgage payoff system.

You will get access to this information right after you register, and it is crucial that you watch the quick start video immediately after registering.

We will send you tips each day for the first week to keep you on track, to giving you shortcuts for setting up the system and saving even more money.

Altogether, the quick introduction, the fast start video, and  the quick start guide are the set-up pieces of the program that will put you on the fast track to success.

Here’s What You Are Going To Experience:

WARNING—This Mortgage Payoff Program Is NOT For You If…

Before we go any, further, I wanted you to know—there are some homeowners who will not qualify for this program.

This program is NOT for you if you…

• Are in the habit of spending more money than you earn each month. (In fact, no program in the world will work for you…until you get your spending habits under control.)
• You cannot qualify for a HELOC. The HELOC is a key component of this program. Without a HELOC, this program will not work.
• You are a complete financial genius and have an extra 45 minutes each month, trying to figure out the system on your own. Then you do not need my help.
• Have 8 years or less left on your mortgage. Congratulations, you are on your way to live mortgage free and the acceleration program will not be of value to you at this point.

Here Is What It All Comes Down To…

You do not need me to tell you if you need this system to become free of your mortgage debt… If you need it, your gut is telling you right now that “Yes, I need this!”

Look at it this way…if you are worried about your retirement savings being sucked up by health care costs and mortgage payments, or are worried about your kids being stuck in dead end jobs without the opportunity to go to the best college, then this is the time to make a decision.

Why You Absolutely Need The 3-Step Mortgage Acceleration Method™ If You Qualify For It

There are only a handful of moments in life when you discover something that changes your life forever.

I am NOT trying to sell you on another method that you will toss away and ignore. I am going to share with you a complete system for paying off your mortgage without spending a cent more or refinancing so that you can retire debt-free.

What’s more, I am going to share it with you in plain everyday language that anyone can understand and follow, and I am going to take you through it step-by-step.

But most importantly of all, you will find out the things that completely changed my approach and led me to being debt free and retiring early. Do you want to know about them?

Of course you do!

You need this and I am going to do everything I can to get this in your hands.

You Are Probably Expecting This Valuable Product
To Cost A Fortune

Here is the bottom line: Most companies are selling mortgage acceleration systems for thousands of dollars -- $2,500 to $3,500 to be exact. And you end up doing most of the work yourself.

If I end up releasing this information as a recorded product with all of the components in it, I will have to charge at least $750.

I might cut all of this material up into smaller parts so that I can help more people... all of the products put together would probably cost even more than they would if they were purchased separately.

I currently charge $450 an hour to explain this system to clients that I personally coach.

The amount of interest you will end up paying to the bank if you do not take action, could end up in hundreds of thousands of dollars.

For example on a $200,000 mortgage, you could avoid paying at least $67,637 of interest charges just by following the specific advice in this system.

And I am not even going to DARE to put a price on your happiness or satisfaction when you are free of debt or on the smile on your face, when you are at your child’s college graduation.

The fact is, I feel like I could put just about ANY price on this and still say, "It's absolutely worth every penny."

But I made a promise and a commitment to keep this totally affordable.

I did a lot of soul-searching and had many conversations with my friends, and I've decided that regardless of how much content I put into this program, I am going to hold the line on the price and make three options available to you:

Option 1

	40 Minute Consultation Worth $316
	Lightning-fast instant access to your personal solution worth $149
	The Three Step Mortgage Accelerator E-Book Worth $67
	Instant downloadable videos: How to Slash 18 month of Your First Mortgage in the First Month, The Secret “Math Step” That Eliminates Your Mortgage Debt…Forever, How To Read Your Financial Report   Immediate Access to All Three Videos Worth $141     BONUSES:
	Your Master Quick Start Guide Worth $12.97
	Monthly Newsletter worth $19.97
	Online Tool Worth $19.97 a month (one month free access, thereafter a monthly subscription required)

This entire package with all off the bonuses is worth $725.91

And you will get all of them for $397, just for signing up today…

Option 2

	Lightning-fast instant access to your personal solution worth $149
	The Three Step Mortgage Accelerator E-Book Worth $67
	Instant downloadable videos: How to Slash 18 month of Your First Mortgage in the First Month, The Secret “Math Step” That Turns Eliminates Your Mortgage Debt…Forever, How To Read Your Financial Report Instant access to a downloadable video’s worth $141   BONUS:
	Your Master Quick Start Guide Worth $12.97
	Monthly Newsletter worth $19.97
	Monthly Newsletter worth $19.97 Online Tool Worth $19.97 a month (one month free access, thereafter a monthly subscription required)

The entire package with all off the bonuses for option 2 is worth $ 409.91

And you will get all of them for $147, just for signing up today…

Option 3

	The Three Step Mortgage Accelerator E-Book Worth $67
	Video 1: How to Slash 18 month of Your First Mortgage in the First Month- Worth $47
	Your Master Quick Start Guide Worth $12.97
	Monthly Newsletter worth $19.97
The entire package with all off the bonuses for option 3 is worth $146.94

I really want you to succeed and prosper in this market turmoil and to take action now, that I have give you everything I have to help you succeed...

Here Is How It Works…

When you click on the order button below, you will be sent to my secure order page for your credit card information.

You order by using your choice of Visa, Master Card, American Express, or Discover. You will be taken to a secure site by our payment vendor ClickBank.

To ensure the safety and the privacy of your infomation, please be aware that your credit card statement will indicate a charge from Clickbank (Clk*Bank.com).

Your transaction is secure—using our secure server, your order information is transmitted using the latest SSL encryption technology to ensure complete and total privacy and security.

And within two minutes of entering your credit cars, you will be flipping through your E-Book and watching the first video.

We will send you a separate e-mail to run your financial report. If you have any questions, just send an email to info@eqxl.com and we will get back to you with an answer.

Please do me a favor: if for any reason you are hesitant, please let me know. If I have missed out something valuable that is holding you back please let me know as well. I really do want to help you.

Then go ahead and call us to set up your consultation if you choose Option 1. We’ll get you started immediately.

Lets wrap this up:

Order Option 1 Online Now!
ONLY $397

(Includes 3 FREE bonuses)

OR

Order Option 2 Online Now!
ONLY $147

(Includes 3 FREE bonuses)

OR

Order Option 3 Online Now!
ONLY $67

(Includes 3 FREE bonuses)

If you are not sure, please consider this:

If you are planning to retire in 10 years, would it be worth $397 to not have to take a part-time job in retirement or have to extend your working life by another 5 years? Or even worse, to use your retirement savings to pay towards your mortgage!

Imagine saving over $67,000, all for an investment of $397. For this price, you get to keep those investment savings for yourself and are guaranteed a debt-free retirement.

If you have children who are in grade school and are worried because you have not invested in saving for their college education, you might wind up losing a lot more money than you think.

If you spend $397 today and follow the system, you will save enough equity in your home to put your child through college.

If you do not have wiggle room in your budget or are living paycheck to paycheck and don’t take this step, your child will probably will not make it into the college of their choice (or may not make it into college at all), they would likely be forced into work at a job that they don’t enjoy and earning far less than they are worth.

Having that college degree could earn your child as much as $50,000 more per year, every year – for the rest of their life. Is it worth investing $397 so that your child has the ability to earn an extra $1.5 million over a 30-year career (and avoid working in an dead end job that they hate)?

So if you spend $397 today, your child could earn an extra $1,500,000. That is over a 37,778% return on that investment you made today. A return that would make even Warren Buffet proud.

Not to mention: What would it be worth to you to not have to worry about paying for your childs tuition? What would it be worth to you to be able to rest and know for sure that your child’s college education is secure?

Isn’t it worth $397?

Do not be left out! Please click on the link above and take action today.

All my best,

P.S. In this system you're going to learn the three-step method to retiring debt-free or sending your kids to college, even if you have no wiggle room in your budget. This material requires no special skills or previous experience. You will be using the materials that you learn IMMEDIATELY with instant results. I guarantee it.

P.P.S: Of course, I realize there are tons of expensive courses out there to help you retire and pay off your mortgage early. There’s got to be a good reason they are priced like that, right?  We are going to help you set this up and then give you the reports and tools to help you keep on track.I make absolutely no apologies for that - the truth is this is a huge bargain compared to others who are paying hundreds and even thousands for the same information.

P.P.P.S. The bottom line is this: do you SERIOUSLY want to unlock the door to a stable financial future where you are in charge?  If so, let me hand you the key!

Order Option 1 Online Now!

(Includes 4 FREE bonuses)

OR

Order Option 2 Online Now!
ONLY

(Includes 3 FREE bonuses)

Order Option 3 Online Now!
ONLY

(Includes 3 FREE bonuses)

Read What Others Have To Say...

I was fortunate to hear about the Debt Payoff Accelerator program from our financial investor and friend of our family. My wife and I were really excited to see if it would work for us. I was already paying extra towards my mortgage so any extra savings would be a blessing in disguise.

Trusting my friend's financial expertise and knowing he had my best interests at heart, he ran my numbers and I was pleasantly surprised with the results. I am currently using the Debt Payoff Accelerator Strategy in conjunction to paying extra towards my mortgage, which has accelerated my mortgage even further. I really enjoy receiving an email every month showing me my savings, as I can see in seconds if I am on track on achieving my goals.

I personally plan to pay off my home in less than 10 years! Its definitely a life saver and I recommend it to anyone.

God Bless,

- Father Glen Cannon, Maryland

I have been a CPA for over 25 years and prior to been introduced to Debt Payoff Accelerator never knew that you could implement a strategy to pay down your mortgage faster without making any extra principal payments.

I am a conservative person, as are most CPA'S, so I was skeptical at first. I am now sold on the program. It really works! I know I will save thousands of dollars in interest from utilizing this program and now I dont have to use my savings to pay down my mortgage. You owe it to yourself to give the program a serious look.

- David Kalfen, CFA, CPA

I first came across the Debt Payoff Accelerator program in December of 2005. I was skeptical at first then I decided to try this out.

Over the past three years I was so impressed with this that I have personally referred dozens of people to Debt Payoff Accelerator to facilitate the rapid repayment of mortgage debt.

The one comfort that I get from this program is that it uses provable mathematical concepts to make the program work.

What I really enjoy is that I maintain control of my funds at all times. This program is designed for my personal situation and advises me if I wish, when it is appropriate to make additional principal payments to the mortgage.

I certainly recommend this program if you are looking to pay off your mortgage

- Simon Stein, VP Lending, Chicago, il

I decided to try out the mortgage reduction strategy although I was skeptical at first but so far, it has been great! Although some of these financial principles are universal, its the clever combination of these principles that allow you to pay off your home faster with the same mortgage payment.

I personally hated knowing that most of my paycheck went to my mortgage. It was always a concern because in the back of my mind I was constantly worrying about finances especially knowing that the future is unpredictable. I did not know how I would continue to make payments towards my home if something were to happen to me or my husband tomorrow.

I am more comfortable now knowing I can still make the same payment and have the ability to build equity much, much faster. The best part is that I no longer have to fear about losing my home.

I definitely support this product, good luck, and happy savings.

- Denise Pillay, Pharmacist, Chicago