INTEGRATED INVESTMENT OPPORTUNITIES
Every Canadian needs to be aware of the following information:
Do you feel overwhelmed by your current debt load? Are you paying large compound interest rates, which never seem to get you any closer to paying off your debt? This new revolutionary debt consolidation system will solve your debt problems quickly.
The four most common questions we are asked:
1. Does debt consolidation affect my credit in a negative way?
No. Debt consolidation does not affect your credit in a negative way. Debt consolidation is often confused with consumer proposals. Consumer proposals affect your credit in a negative way while debt consolidation does not.
2. What will my interest rate be?
We guarantee that when using a private lender, the interest rates you are paying your present creditor will be reduced.
A common misconception within the marketplace is that private lenders charge higher interest rates than the banks do. Considering credit card interest rates range between 17% to 34% compounded interest and payday loans are even higher, a private lender can easily beat these rates due to the fact that private lenders charge simple interest, not compound interest.
On the home page of our web site, there is a segment of a video you can watch that shows, in an entertaining way, how expensive compound interest is, compared to simple interest.
In general, when dealing with a bank, they will quote you a rate with a “take it or leave it” attitude, allowing little to no room for you to negotiate. A private lender will inquire about your file, once it is on our system. With the help of your representative, we will negotiate the terms and conditions and interest rate of your loan(s) with the private lender. This will guarantee to receive a better rate than you are paying your present creditor(s).
3. Are there any upfront fees?
No. There are no upfront fees, or application fees.
4. If there are no upfront fees, how do you make your money?
We do not make any money until we provide you a 25% discount off of what you owe your creditors. Our fee is the percentage of the negotiated discount over and above the 25% discount promised to you. Therefore, if we manage to obtain a 40% discount, we would make 15% while you retain, and save, the other 25%.
The private lender is the one who pays our fee, which creates a win win situation. Therefore, this is a free service to you.
Keep in mind that if your debt is over $20,000.00, you can negotiate a larger discount than 25%.
The rule of thumb is that the larger the amount owed to your creditors, the stronger your negotiation position is to get a larger discount from your new private lender.
Strategic partnerships can exponentially, accelerate your growth and profitability.
​
"You want to go fast, go alone. You want to go far, go together." ~ African Proverb
ABOUT
PERUE
Global Approach to
Strategic Partnerships
Constantly on the move for our clients
After being pushed out of my last job. I had a difficult decision to make. Get another job or start a business. I took the entrepreneurial path and started a business development and direct sales agency.
​
I quickly realized that securing funding for a start-up from traditional / conventional sources is not accessible. Private equity was also tricky because, investors wanted large equity stake for relative low capital investment.
​
A friend referred me to Kingsmen Capital Investment and the rest is history ....
Financial educational
Resources
Compound and simple interest
​
Simple Illustration: Put $100,000 into each calculator below and check out the results.
Simple Interest Calculator | Compound Interest Calculator
​
​
REDUCE MY DEBT BY THOUSANDS
Every Canadian needs to be aware of the following information:
Why does this not affect your credit?
You are not negotiating due to not having the money to pay the creditors out, you are negotiating due to the fact your creditor does not have the proper paperwork proving they are still the rightful owners of the debt.
​
Really, at this point you can see how the banks have no right to collect anything due to the fact if they sold the debt they already got paid and no longer own the debt. Were we to forward them the funds, they would be paid twice.
​
The truth of the matter is that the Canadian system is not ready to allow people to fully discharge their debts, but together with a private lender negotiating a minimum 25% discount while being released from the compound interest trap, while not affecting your credit report, is a very realistic expectation.
​
​
Do you understand the difference between earned income portfolio income and passive income?
Become a non-professional investor. Start your own bank from the comfort of home!
Here are some links that prove banks sell your debt:
We found these in a web search, as outlined below
We searched the web for the following two phrases:
“Are my credit card debt securitized”, and
“What is securitization”
The following link is from Wikipedia, the free encyclopedia: Securitization, wherein the Wikipedia definition states clearly:
“Securitization is the financial practice of pooling various types of contractual debt such as residential mortgages, commercial mortgages, auto loans or credit card debt obligations (or other non-debt assets which generate receivables) and selling their related cash flows to third party investors as securities”
In the following link: Credit card asset-backed securities and their impact on U.S. household financial stability, it states clearly in the third paragraph:
“Securitization, a process of pooling illiquid financial assets (such as loans, bonds, and mortgage) and selling the assets as liquid products to investors, emerged in 1970s and grew dramatically in early 2000s.”
Furthermore, under the heading “II. Background & Past Academic Papers“, it clearly states:
“The process of securitization is as following: first, the originators pool a group of similar illiquid and non-tradable financial assets (such as mortgage or car loan payments). Second, they transfer those assets to a Special Purpose Vehicle (SPV), whose sole purpose is to issue the securities. Then, they repackage the cash flows through financial contracts with different parties involved.”
According to the dictionary, “Transfer” is another term for, “Sell”.
More links proving the banks sell your debt:
This link from the Financial Post, states credit card debt is securitized: DBRS’s take on credit card debt and securitizations.
This link: Securitization, states in the second paragraph:
“Securitization is the practice of combining various debt obligations (like residential mortgages, commercial mortgages, auto loans or credit card obligations) into one consolidated debt instrument, or security, such as a bond. Once the debt obligations have been pooled, a coupon is set and paid to the bond purchaser.”
By using the term “purchaser” it proves they are referring to the bank selling your debt.
Why banks sell your loan
In this link: Why banks sell loans they make, under the heading, “Why loans are sold”, it is stated:
“Many consumers don’t realize there’s a thriving market for loans, referred to as the secondary market. When you borrow from a bank or credit union, you may not notice that the fine print on the lending agreement says the loan may be sold.
“Most lenders sell loans due to liquidity reasons, meaning they don’t want the loans in their balance sheet,” says Cristina Zorrilla, assistant vice president of mortgage pricing and investor relations with Navy Federal Credit Union. “They sell loans so they can lend to more borrowers.”
Some lenders sell loans to other financial institutions but keep the servicing rights.
This means the customer still deals with the same lender and sends the payments to the same place. It hardly affects consumers, since the point of contact doesn’t change. However, many lenders don’t have the capacity to continue servicing all the loans they make, so they sell both the debt and the servicing rights. When that happens, customers have to send their payments to a new organization — and will deal with that new party if problems arise. Only a few, including Navy Federal Credit Union, never sell servicing rights.”
​
​
​
​
​
​
​
REDUCE MY DEBT BY THOUSANDS
Every Canadian needs to be aware of the following information:
The Canadian rules of court also back this concept.
In the Canadian rules of court, in order to sue an entity, you must be an affected party. If the bank cannot prove they own the debt, they are no longer an affected party.
A good example is, if you sold a house in June, but in September, find out it was vandalized, can you sue the people who vandalized the house? No, because you are no longer an affected party. You no longer own the house.
The same goes for the bank. If they sold the debt, they are no longer an affected party, and have no legal right to sue.
This premise also holds true when applied to the credit bureau. They are governed by provincial legislation, along with the consumer reporting act.
It states very clearly that the credit bureau must remove inaccurate information from your credit. Therefore, once we send the communication to the credit bureau, that we had with your creditor, proving they cannot prove ownership of the debt, your creditor must be removed from your credit due to the fact that they are no longer, by definition, your creditor.
For example, if you signed a loan agreement in February, and your creditor sold the debt in March, but you went delinquent on that debt in April, is the original creditor you signed the loan agreement with allowed to place a derogatory remark against your credit, if they sold the debt?
The answer is no, because they are no longer your creditor nor an affected party since they sold your debt.
When completing this transaction, we must make sure we fulfil your contractual obligations to your present creditors.
When executing this system, you inherently meet your contractual obligations.
Your contractual obligations are as follows:
-
At the end of each month, you either pay the monthly payment or payout the loan in full.
-
When paying out a loan, you the borrower can use your own funds or borrowed funds.
-
You the borrower can either borrow the funds from a financial institution or a private lender. (You have elected to borrow the funds from a private lender.)
You, via the private lender, are now attempting to payout the loan in full. Therefore, proof of ownership of the asset or debt must be provided, in order for the loan to be paid out in a commercial transaction.
If your creditor cannot come up with the proper paperwork to complete the transaction why should you suffer.
If you were expected to keep paying the creditor, while they looked for proof of ownership of the debt, they would simply have no reason to produce proof of ownership of the debt, due to the fact they are still getting paid. In essence, this would trap you into a high-interest loan, while destroying the deal with your new private lender. Why would the private lender wait around, without getting paid on his loan for months, while the bank looks for documentation they no longer have? This is why, when obtaining a debt consolidation loan via a private lender, you must fully commit to the private lender in order to reduce your debt by thousands.
Please click here to share
The result is guaranteed lower rates, monthly payments, and reducing your debt by thousands, while not affecting your credit.
You may be thinking, “Wow. It can’t get any better than reducing my debt by thousands while getting out of the high compound interest debt trap”, but actually, it does get better, when you take our referral program into consideration.
​
Compound and simple interest
Compound interest is far more expensive than simple interest. Simple interest can save you thousands of dollars, but if you have a bank loan or credit card debt, you are paying it back at compound interest rates. It serves to benefit the banks, but that expense consumes money you could be using for your debt payments.
Our private lenders charge simple interest, and that, in turn, will save you thousands of dollars. You will be able to see for yourself below.
Please watch the following video from 7:50 to 9:30. It provides a great illustration of how using simple interest will save you thousands of dollars when compared to compound interest.
​
Simple Illustration: Put $100,000 into each calculator below and check out the results.
Simple Interest Calculator | Compound Interest Calculator
​
​