Ma Capital Resources Presentation
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This document discusses compound interest over the course of a 30-year mortgage. It shows the breakdown of principal, interest, and balance owed monthly and yearly. It illustrates that with a $200,000 loan at 6% interest, the total repayment would be $431,677, with $231,677 of that being interest paid. The document notes that compound interest, also called the "eighth wonder of the world," can significantly increase the total cost of loans over time if interest is allowed to compound. It emphasizes the importance of making prepayments or paying off principal early to reduce the total interest paid over the life of the loan.
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![Called Compound Interest:
The 8th wonder of the World
Equation to Compound Interest
P=L[c(1+c)n] / [(1+c)n-1]
There are two types
of people in this
world: those who
pay interest, those
Albert Einstein
who earn interest.](https://image.slidesharecdn.com/macapitalresourcespresentation-13458540568508-phpapp01-120824192123-phpapp01/85/Ma-Capital-Resources-Presentation-7-320.jpg)
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- 4. $200,000 Principal loan amount 6% Interest $ 1,199 Monthly payment x 360 Months (30 year loan) $431,677 Total repayment -$200,000 Principal loan amount $231,677 Total interest paid
- 6. $200,000 Principal Balance 6% Interest Rate 30 Years $1,199.10 Monthly Payment Principal Interest Balance Equity Paid Month 1 $199.10 $1,000 Month 2 $200.10 $999 Year 1 $210.33 $988.77 $197,543 $2,457 $14,389 Year 5 $267.22 $931.88 $186,108 $13,891 $71,946 Year 10 $360.44 $838.66 $167,371 $32,628 $143,891 Year 21 $696.23 $502.89 $99,877 $100,123 $302,173 $431,677 Year 30 $231,677!!!
- 7. Called Compound Interest: The 8th wonder of the World Equation to Compound Interest P=L[c(1+c)n] / [(1+c)n-1] There are two types of people in this world: those who pay interest, those Albert Einstein who earn interest.
- 8. Prepayment of Principal I/we have the right to make payments of principal at any time before they are due. A payment of principal only is known as a "prepayment." When I/we make a prepayment, I/we will tell the Note Holder in writing that I/we am doing so. I/we may make full prepayment or partial prepayments In January you pay $1199.10 leaving the without paying any prepayment charge. The Note Holder will use all of my/our prepayments onreduce the amount of Primary Balance to your Mortgage principal that I/we owe $199,800.90 If I/we make a partial under this Note. prepayment, there will be no changes in the due date or in the amount of my/our monthly payment unless the Note Holder agrees in writing to those changes. Remember the Borrowers Right to Prepay!
- 9. Prepayment of Principal What if you sent 3 months of Principal equaling $603.30 We would start February on line five, Saving 3 Months of Payments! Remember the Borrowers Right to Prepay!
- 10. Prepayment of Principal $603.30 added to your Principal will save you $2,994.00! Remember the Borrowers Right to Prepay!
- 11. Prepayment of Principal At the end of your first year you have paid off $2,456.01 And the bank only charged you $11,933.19 to do it! What if you paid the balance on the Principal Amount for month 12, totaling $2,456.
- 12. Prepayment of Principal Your next payment will be on month 13 and you would save 11 months of payments. The $2,456.01 will save you $11,933.19
- 13. How Would You Pay This Off? theBANK $226,183 $42,296 6.5% 6.75% $21,538 Mortgage $27,753 Auto Loan 7% 6% Line of Credit Trailer Loan $7,753 Balance $4,309 6.125% 6.125% ATV Loan Furniture
- 16. maCapital Resources Demo
- 17. Debt Free Faster maMoney Merge Conventional Program Account Program Starting Balance $141,804.99 $141,804.99 $125,390.82 $132,891.21 Balance in 1 year Balance in 1 year Repayment Time 7 years 27.8 years Total Interest Paid $45,782.60 $170,843.14 $125,060.54 Total Interest Saved with the maMoney Merge Account速 Program
- 18. So what is the monthly cost not to be on the program? $125,060.54 / 7 YEARS (84 MONTHS) = $1,488.81 Would you pay $50 a month to save $1,488.81? $50 a month to be totally Debt Free in 7 years?
- 19. $199 Down and only $49.99 a month No Contract. No Refinancing. And LITTLE to no change to your budget. NO EXTRA INCOME REQUIRED!!!!!!!!!!!
- 20. ACHIEVING YOUR FINANCIAL GOALS BEGINS WITH DEBT ELIMINATION Let the representative who introduced you to our powerful solution run a free analysis for you.