How To Use A HELOC To Pay Off Your Mortgage In 5-7 years… OR EARLIER!

Hello everyone listen today we have a great episode for you and it’s going to be on the  first position helot it’s been brought to my attention that i need to explain  what a first position helot is and what and how it can drastically  eliminate all mortgages all loans the car loans whatever loan that you have student  loans if any loan you can name you can get rid of it through this first position helot.

I would like to show you how powerful this first position helot is okay the fact of the matter is  in essence homeowners were using their helot as both a mortgage against their home and as a  checking savings account into which they deposited all of their money and paid out all of their  expenses now helots are also calculated on daily interest meaning that the interest charged is  only calculated watch this on the actual daily loan balance so each time the homeowner deposited  their income against their helot balance that money would automatically.

Be subtracted from the daily loan balance that they owed now as a result each time homeowners deposited income against their helot balance it allowed more of their regular monthly mortgage payment to be credited toward principal and far less toward interest why because their daily loan balance was less additionally since helot’s work very similar to a normal checking and savings account.

Meaning you get cards with.

It right this approach gave homeowners tremendous freedom  the homeowner could literally deposit money against their helot balance saving them  both time and interest on their mortgage and like a standard checking and savings account  let me tell you prolix came with checks some of them right uh debit cards and online access for  any time they needed to pay their monthly expenses furthermore instead of having the remaining money  or the money they had left over after paying monthly expenses sitting in an actual checking  savings account doing nothing right earning them close to zero interest actually losing  money because.




Of inflation tax okay that money was now sitting against their helot balance  until they needed it for future expenses now this kept their heal balance low for  as long as possible and further cancelled out daily interest charges that would normally  be charged on their line of credit balance okay that’s called money working for you  after looking into this method a little further it became quite clear to me that this may not  be the best approach for all mortgage clients okay while some homeowners in Australia and even the up  were accustomed to having a variable interest rate mortgage many homeowners in the us are not  so in order to implement this approach.

In the u’s homeowners would have to refinance.

Their  entire fixed interest rate first mortgage amount into a variable interest rate  helot now while that may be just fine with rates are low it can actually potentially spell out  some serious consequences if for when interest rates increase the age old saying what goes up  must come down applies in this scenario except in reverse what goes down must go up now you may be a  mortgage client that has a nice low fixed interest rate mortgage there was no way that i was going to  advise you to refinance your entire fixed forage mortgage amount into a variable interest helot  this could actually potentially seriously affect your finances in an adverse way  so that’s why i found a solution right to ensure that you don’t have to use a first position helot.

If you don’t want to however if you have one no worries okay this is how it works let’s start out  okay let’s start out with what you can see on a typical mortgage now this one is three hundred  thousand okay we switched it up usually we use two hundred thousand and six percent interest we’re  switching it up this one’s three hundred thousand dollars this mortgage at three percent okay this  is what you can expect in your first year all right eight thousand nine hundred and fourteen  dollars and 32 cents year right yearly payments to the mortgage okay yearly payments to the mortgage.

Eight thousand nine hundred and fourteen dollars and 32 cents what is that that’s right  year to date for the mortgage eight thousand nine hundred and fourteen dollars and thirty two cents  fifteen thousand one hundred and seventy seven dollars and seventy two cents for pin okay and  the same goes to right there for year to date now this is one year folks one year the second year  what do you have eight thousand seven hundred twenty three dollars and eighty five cents  okay for the payment right and 17 638 dollars 17 cents right year to date  and then we have the same for the pin okay as well as the principal and interest as well as the 30  and 44 355.44 all that is doing.

Is just adding these together now that’s what you can expect  when you have a mortgage and that number is only going to go up okay year after year after year  i want to show you what happens when you have a first position helot watch this Pacman pac-man eating your house uh-oh what is that about hmm let me tell you what it’s about.

It’s about the first position helot that’s.

What it does folks it takes you three hundred thousand  dollar mortgage at three percent remember how what the percentage was on the first year what was it  fifty seven percent okay that’s that doesn’t sound like thirty percent to me all right the first year  was 57 percent the second year excuse me the first year was like 58 the second year was like 57 okay  are there abouts 57 and so if it’s 57 right if it’s 57 where did they get the three percent from  because.

It’s amortized that’s right they go by an amortization table and so essentially what a first position key lock does is it eats up your mortgage, so it replaces your mortgage so that you’re no longer paying that astronomical amount of money my word.

Okay it’s  amortization that interest that could be going into your pocket is going into the bank’s pocket  when you have a mortgage okay let’s go ahead and ask for first position helot’s  huh let’s do this let’s get banks on the line and I’m going to make a video  about the certain banks that you need to talk to in order to make sure that you have the best  first position helot possible we’re going to go through the questions we’re going to go through the  banks so that you can have the advantage over the banks and you can have your own personal bank now  the system that i utilize i use advanced lines of credit meaning that i show my clients across  the board if they have helot’s that’s great but i have advanced lines of credit they go throughout  the different spectrums of the of the credit lines okay not only helps but commercial lines credit  cards.

We’re talking about all kinds of lines of credit personal lines are created business lines  of credit so that they can do this to their house all right do you understand.

The first position  helot actually eats that mortgage up so that now you’re not paying that astronomical amount  let’s say you have the helot at 21 chi that’s kind of high yeah but it’s simple interest  never forget that that’s what you asked the bank is yours calculated use your helot calculated on  simple interest or amortized absolutely ask for the manager right because the personal banker may  not know okay and they may know all right let’s give them the benefit of the doubt all right so  again this is what the first position helot does to the mortgage it eats it up so that  it’s no longer a mortgage but now your helot is in control and you can use that as your  new line of credit paying down that house.




In astronomical amounts okay  it all depends on what’s left in that helot all right absolutely folks this is the way to go  and if you don’t have lines of credit don’t worry about it get in touch with me i want to set up  a velocity banking strategy that you can use even if you don’t have any lines of credit okay  and if you have lines of credit that’s great get with me i want to set up right a velocity banking  strategy you know i have someone that’s going to be out of debt in three years i am looking so  forward to it because it’s going to be amazing the kinds of banking tools that we pull out.

And the kinds of timing it’s all about timing that we hit that principle with okay um if they don’t  want to do the first position helot that’s great it’s all about timing and we can show  you that just let us know all right credit at investorpro.org this is the first position helot  in a nutshell folks that’s what it does okay eats up that mortgage it really does and we want to do  the same thing for you in all of your debts alright god bless and you have a great night.

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How To Draw A Cute Bunny Mermaid

Okay if it’s you’re gonna draw a mermaid bunny yeah it’s gonna be really cute I don’t know if there’s really such thing as a mermaid bunny but if there’s mermaid people there has to be mermaid bunnies we hope you’re gonna follow along with us you need your drawing supplies we’re gonna use markers but you could use whatever you have at home or in the classroom like a pencil you also need some paper and some then the code with yeah all right let’s start okay let’s first draw our Bunny’s nose we’re going to or mermaid Bunny and we’re going to draw a letter V right here in the middle of our paper and then we can draw the top of our bunny nose and then let’s draw the mouth I’m going to draw a curve that comes out of the bottom of the nose to the left and then also to the right then let’s draw our bunny eyes.

I’m going to draw a circle over here on the left and a circle over here on the right yeah and we could also draw that little highlight we’ll draw a smaller Circle in the top left this is to make the eyes look shiny then we’re going to color in the big circle but leave that little circle white next let’s add eyelashes I’m going to draw three on each side then we can draw the crown if you have a bunny mermaid you got to have a crown okay we’re going to draw a little line that goes across the top of our Bunny’s head and then we can draw a curve coming out on each side and then we can draw a zigzag line to connect the left side over to the right side I don’t know.

I drew a big spike for some reason.

I like yours okay now let’s draw our bunny ears well first let’s draw a little line that comes out on each side and then let’s draw the ears I’m going to draw a big upside down yeah it comes it’s bunny ears you got to be big right and there you go and then let’s try that same upside down you big upside down tall you for the other ear and then we could also draw the inside shape I’m going to draw a big upside down raindrop for the inside of my bunny ears so I’ll do the same thing on the right side and if we ever go too fast what can our friends do pause the video yeah if you need extra time okay now let’s draw the rest of our bunny head we’re going to draw a curve that comes down from the ear and then also one over here on the right side.

I’m going to come down just a little further on each side now let’s draw our Bunny’s arms.

I’m going to draw another shape or kind of a long u shape that comes out like this and then back in oh let’s do that same shape but let’s do it going up for the other arm and then we could also draw the rest of the body I’m going to imagine this line going behind the arm and coming down further and the same thing over here on this side yeah then we can draw the mermaid tail we’re going to connect the left side over to the right side and then we could also draw let’s draw a little um bumpy line that goes all the way across kind of like a dress the bottom of the dress and then let’s draw her tail I’m going to draw a curve that comes down like this and then.



I’m going to curve a little bit the other direction yeah and then we could draw the other side of the towel I’m going to come down from the body and curve this way then I’ll curve the other way and then into the end of the tail then let’s draw the tail fin I’m going to draw a curve that comes down to the left and then also to the right then let’s draw the other side of the fin so we’ll curve back up on the left and then also back up on the right next let’s draw our bunny seashells we’re going to draw let’s draw a curve that comes around like that it’s like a rainbow line and then down at the bottom we’re going to draw kind of looks like the letter V we’ll come down.

And then connect on the other side then we can draw two lines or we’ll draw let’s just draw another letter V on the inside and then right here at the bottom let’s draw a line that comes across the bottom yeah and then connect up on each side let’s repeat those same steps for the other side we’re going to draw a rainbow line then we can draw a letter V comes down and then back up and then draw another V on the inside and then we’re going to draw that line across the bottom and then connect up on each side what else is our bunny missing the wand yeah let’s draw a wand.

I’m going to draw a line straight down on top of her hand then at the end of this one since it’s an underwater wand we’re going to draw a seashell at the end we’ll start here and I’m going to curve around and then spiral into the center there you go and then at the very end right here we’re going to connect the end with another letter U for the inside of the seashell and or we could also draw little lines across so that it looks magical join our mermaid bunnet.

I still need to clear color yeah this part is my favorite but we’re going to fast forward so at the end you can pause the video to match our same coloring or you could color your bunny mermaids any way you want you’re ready to fast forward yeah give me five we did it we finished drawing and coloring our bunny mermaids yours is always my favorite thank you what else can our friends add to their drawing you can add a background yeah I’m underwater background there’s more mermaids yes lots of bunny mermaids maybe even baby ones oh your bunny mermaid add more things to the background and we’ll see you later our friends goodbye.

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The final Pillar in the Empowered Leadership Approach

Good morning everybody, Lee Brower here. Welcome this week’s edition of Meaningful Monday. I am grateful to be here and I am glad to be here. We’re going to put the fourth pillar now together on our, on our, the final pillar of the Empowered Leadership Approach. The whole idea is here; how can we strengthen leadership in our homes and in our business and have it something that we always can lean on and always can move forward on?

If you remember, gratitude is the overarching, what we now call the lynchpin.

It’s the lynchpin for the Empowered Leadership Approach. Gratitude involves cultivating a deep sense of appreciation for the people, experiences, and opportunities in our life. Gratitude attracts. Gratitude will boost your confidence and self-esteem, and the cool thing about it is, you can be grateful in whatever your circumstances are. You don’t have to wait for the rainbow to enjoy the rain. As the lynchpin, gratitude is the cohesion, you might call it the interconnection, that brings together and reinforces what we’re now calling the foundational elements of the metaphorical structure of the Empowered Leadership Approach. So, the first pillar. Do you recall the first pillar? Purpose.

Knowing your why. Knowing where you’re going. It’s about continuous improvement.

There are no finish Lines. A Clear Vision, supported by well-documented and agreed upon principles will guide your decisions, your choices, and actions. So, second one is purpose, and the outcome of purpose is energy, is always energy. When you’re clear about what you’re doing, when you know what you’re doing, you get clarity about anything. The outcome of that is always an increase in energy. The second one was balance. Not just balance, harmonic balance.

Balance, everybody talks about balance between work and home.

No. Think of it as an orchestra. If you played every instrument the same, at the same time, same loud, it would be sound horrible. The game is, the game, the opportunity is how do we develop harmonic, harmonic balance in our lives?



It’s like having air in your tires. You don’t want to drive around with one tire completely empty and one tire over-inflated, but you do want to adjust the tires and the air in those tires, so when you hit the curves of life, you don’t roll over. So, you want to get at some harmonic balance in those areas that you value most, your, you know, your health, your physical, emotional, and spiritual health. Your work, your ambition, your personal life, and your relationships, and you eliminate wobble when you can do that.

So, you get this sense of balance.

Helps you to stay centered, focused, resilient, even in the face of adversity. You will be a better choice maker. You will have the ability to say no to even the very important because you realize there’s a bigger yes burning inside. Okay, so now the third pillar, we’ve got clarity. That’s giving us energy.

We’ve got balance. That’s giving us speed. The third pillar, last week we talked about was focus, and focus is all about where we direct our energy, our unique ability, our attention, and resources. And we want to direct them into those activities and relationships that generate the greatest results, don’t we? I mean, we, you know, I mean that’s, that’s it. by prioritizing our day-to-day activities and focusing in on those activities that will generate the greatest results for us, we will then become more efficient, and we can avoid distractions, we can avoid unnecessary tasks, we can say no, you know, we can prioritize our efforts towards achieving the milestones that we value most. So this will enable us to become more productive.

It’ll enable you to become more productive, more efficient, more effective, and it’ll move you closer to your vision and mission, and you eliminate waste. So think about it, okay. One is, your vision expands, you’ve got Clarity. Two is, you get velocity. Three, you eliminate waste. Now, if you’ve done all of that, what happens to your confidence? See, and that introduces us to the fourth and final pillar of the Empowered Leadership Approach and that’s confidence.

Confidence always generates greater opportunities.

It attracts the good. The outcome of confidence is always attractants. It attracts greater opportunities and greater relationships into your life. That feeling of secure, self-assured in your ability, and in the choices and decisions you make. Having that clear purpose, the harmonic balance… all of that attracts confidence, and as a result of it, you’re also going to build more trust, respect, and admiration from those around you. It’ll inspire others to want to work with you, to learn from you, and to follow your lead. Overall, confidence is a key element in the Empowered Leadership Approach.

Now let’s put it together, okay, we put it together. Gratitude is the lynchpin. Without gratitude, everything goes. Okay, so but then clarity brings energy. Balance brings acceleration.

Focus eliminates waste or gives you, makes more efficient, and then with confidence, the greatest attractant, what are you attracting? Greater relationships. So what’s going to happen to your clarity? You’re actually going to be able to see bigger opportunities. You’re actually going to be able to, then, when you see bigger opportunities, using your balance, your focus, and your confidence, all of that’s going to increase and you’re going to be on a elliptical spiral, where leadership is constantly striving and climbing and attracting people, and you don’t have to elevate yourself in leadership by pushing anybody down.

You will attract them to you as you rise up in your leadership quest. I hope this has been helpful. It’s been helpful for me to think it through. So we’ll refer to this frequently going forward. I want you to have a meaningful week, so go out and make this a meaningful week, and we’ll talk to you next week. Bye-bye.

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Be a Leader Motivational Talks with Steve Harvey

There’s an old saying that I heard that there’s two kinds of people born in the hospital every day. There’s a person born in the hospital that’s going to get a job, and there’s a person born in the hospital that’s going to give that person the job. You have to decide along the way, which one you’re going to be.

You can be a leader, but a leader is a developed set of skills. It’s a developed set.

And the more but see here’s what stops the average person from being a leader is the fear of the consequences of leading. Most people don’t want the responsibility of being a leader, but let me tell you the trick though, the responsibility and ramifications and consequences of being a follower is dire, more dire and more severe. Because now as a follower you just got to go along with whatever, you know how many adjustments you got to make when you’re a follower. The man come in and decide I’m having layoffs. And he hands you a slip and it’s Christmas.

What, that wasn’t in your plans but whoa, you decided you didn’t want to be a leader, you want to be a follower now, guess what? You got to deal with that. If I’m a leader and I own a company and the company started losing money you think I’m Fidan to not have my life?

No, cutbacks start on the follower.

The leaders don’t go, well, let me quit.’Cause if I quit isn’t nobody eating. The cutbacks start at the bottom. So, you have to make a decision if you’re going to be a leader or not but understand what a leader is though. Sometimes you just really want to be the leader of your own life. You don’t have to lead a world leader; I have no aspirations of being Martin Luther King.

I have no aspirations of being Gandhi, none whatsoever. I had really no aspirations of being the leader that I become today. That I got young men listening to me that I wasn’t even really counting on. I got dudes emailing me, man, running up to me, man, in essence, this brother ran up to me, and Terrence was stopping him from talking to me and the big brother, about 300 some pounds, sweating had a chef coat on. Had a thermometer pen, sweating all over the place.

He had seen me come off stage, saw me go through the back. He ran all the way round to meet me, and Terrence stand down soldier. Well, this big dude right here isn’t with that. He said, hey little man, little man, come on now. Isn’t nobody got time for all of this here.

I’m trying to holler at this man right here, ’cause you don’t know what I been through.

Stand down soldier. Little man, before this turn into something else, I got to see him today. His whole thing was, he was a prison inmate down in New Orleans had been listening to me on the radio since 2005. Did his five years, got out the joint, started studying in prison, food prep because he said, man, you aren’t, you told me one morning you aren’t got to sit there and do nothing. You can better yourself from behind the wall and make one plan or not to come back. He said, you changed my whole life. He said, I come to tell you man, I’m the chef right now at the Hilton. But the big dude was just crying. You know, we ended up hugging, I cried with him.



Cause you know, I be feeling people like that. I have no idea, nor did I have an aspiration to be an inspirational person to them.

But I have always asked God in my own way to make me a relevant person. You know, I don’t want to be a cat that when I die isn’t nobody tripping. Church empty, isn’t nothing right here.

Cause you know there’s two things, you know, when a person dies on their tombstone, there’s a birthdate, there’s a dash, and then there’s a date of your demise. And let me tell you something, when you die, they’re not going to talk about your birthday. They’re not going to talk about the day you died. The biggest conversation will be about that dash, that little dash, that’s the life you lived in the middle of that date of birth and the date of demise. That dash will determine who you are.

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Change Your Thoughts Change Your Life The Law of Attraction

hi this is Eyvette from my world of metaphysics and today I bring you change your thoughts change your life the law of attraction this video is designed to help you change your life it will give you the tools you need to be successful in your endeavors by reprogramming your subconscious mind so watch this video all the way to the end and don’t forget to Like and subscribe and listen if you new to my world a metaphysics this is the law of attraction metaphysical life-coaching channel that brings you information in an easy-to-understand manner to help change your life so now let’s get started I’m back now what is it that.

I need to tell you about your thoughts and how it relates to what you see in your life your thoughts create your circumstances in your life there is no ifs ands buts about it this has been told from generation to generation many books have been written on the topic Napoleon Hill James Allen Florence Scovel Shinn Catherine ponder we can go on and on and on one thing that all these great books have in common they all say your thoughts create your reality now if all of these people are saying the same thing from generation to generation why aren’t most of us successful why aren’t we living the life that we desire why aren’t we getting all that we want and more it’s because we have been programmed since a child to believe that life is just what it is you just get what you get there’s some people that were born to be rich and others that weren’t these are the things that.

We have been programmed to believe but I’m here to tell you today that that’s not true in order for you to change your life you need to take what i am telling you and listen to it at least four times and i need you to be open-minded to the information and put it into practice and see if it works for yourself now let’s get started by saying what we believe it’s what we make true in our lives again what we believe is what we make true in our lives if you alter your thoughts you will be altering eventually your beliefs and remember your beliefs create your reality this is the secret to the successful people this is the secret to the great people that accomplish big things they seem they believe.

And they bought it about the thing is the subconscious mind is the doorway to achieving whatever it is you desire in life now we’re going to use a technique called visualization which many of you have already heard of but I’m going to go through the steps to help reprogram your subconscious mind by thinking what it is you’re visualizing is already true where every night makes a statement fake it until you make it and it is so true what you’re going to do is you’re going to set a regular time every single day it doesn’t matter if it’s morning or night or you can do both but you’re going to set a five minute time frame every single day to visualize something that you want I want you to sit in a comfortable chair in a room where you will not be disturbed.

I want you to close your eyes look up with your eyes close to your forehead area and that will be our stream of creativity that is where you’re going to find and create your mind movie with your eyes rolled upwards towards your forehead.

I want you then to listen to your breaths in and out in and out keep quiet and just listen to your breaths do this five times why are we doing this this is one way to actually take you out of a beta state and place you in an alpha state again it takes 45 seconds to reach the alpha brainwaves state and this is why we’re going to listen to our breaths at least five times the next step we’re going to pick a past event in our lives a positive event one that you remember that you was so happy and we’re going to recreate that event in our mind on our mind movie see yourself at this event enjoying the event how are you feeling what was going on where you laughing were you crying because you were so happy what was it at this event that made you so happy.

I want you to hold on to that vision I want you to hold on to those emotions now I want you to imagine what it is you’re trying to create what gold do you want in your life right now what situation or condition in your life that you want to experience right now I want you to imagine that but keep those emotions from that past experience and I now want you to take those emotions and place it in your new mind movie of what it is you’re trying to create right now put all your feelings and senses in this mind movie I want you to smell feel touch laugh whatever it is to make this as real as possible.




I want you to do that right now if you’re being congratulated feel the handshake if you’re getting married feel the ring as it is placed on your finger if you’re having a baby feel the baby as the doctor places the baby in your arms whatever you must do to make this as real as possible you do it that is the secret to your success with your manifestations remember your subconscious doesn’t know the difference between what’s real and what’s fake you are just faking it to actually reprogram your subconscious mind to get what you want to manifest in your life what.

You’re experiencing remember what you experience what you think of it’s what you are attracting in your future so if you want to be married by visualizing this every single day you are actually fooling your subconscious mind into believing that this is already so remember your subconscious mind don’t know the difference between what is fake and what is real again fake it until you make it but there’s one thing I would like to say that’s important to your success with your manifestations when you open your eyes as the last and final step you must release it you must allow it to be by releasing it you are already saying this is already done thank you how are you going to release this how are you going to put that stamp on your manifestations.

I want you to say thank you God so it is it is done you can use whatever words you want to use it is done thank you it is done whatever words you use you’re putting a stamp on whatever it is you’re trying to manifest it is done stamp thank you God stamp you must end your manifestations and let it go one word.

I use is thank you God it is done that’s a powerful statement you can use whatever it is but you do need to put that stamp on it to say it is done one thing that I would like to add is that you must believe that you are deserving and worthy of whatever it is you’re trying to manifest in your life without this you cannot manifest something positive in your life if you believe that you are not worthy that’s where.

The affirmations the mirror work the visualization the scripting where all of this comes into play use these tools to help change your life it’s powerful it’s what the successful people do live in the now know that whatever happened in the past it stays in the past all that matters is right now live your life in the now being happy don’t let anyone kill your joy don’t let anyone on the outside tell you who you’re supposed to be and what you’re supposed to have or experience in your life you are the creator of your life know that right now for once and for all this is Eyvette from my world a metaphysics always bringing you law of attraction metaphysical information.

In an easy-to-understand manner to help.

Change your life today we spoke about change your thoughts change your life the law of attraction you can follow me at myworldofmetaphysics.com where you can receive one-on-one coaching you can also go to store. McWorld metaphysics.com where you can buy crystals and other metaphysical items follow me on Facebook Instagram Pinterest and Twitter again this is Eyvette from my world of metaphysics namaste.

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