About

Hi – I’m Marv Eisen, creator of the Mortgage Magic System. Don’t let its name limit your thinking, because the Mortgage Magic System is all about financial security  and having more money for retirement. How much more? The average retirement account is less than $63,000 for people aged 65. Using the Mortgage Magic System, this figure can easily be 10 times greater, and with no additional income!

Too good to be true? No. What’s the catch? There is none. As a wealth creation plan, the Mortgage Magic System is surprisingly uncomplicated. It’s principles have been hidden from plain sight by a financial community whose income is based on investment churn and fees. The Mortgage Magic System is also more conservative than virtually all other financial plans, as it rests on principles that eschew risk. It is built on the pioneering work of an Australian, Harj Gill, but is far more than his mortgage accelerator, as the Mortgage Magic System also takes into account tax considerations of retirement planning and wealth building in the United States. It also utilizes specific types of life insurance to achieve its goals of providing the maximum after-tax spendable money for retirees.

For those not familiar with the so-called Australian mortgage accelerator, it is not adding more to your mortgage payment each month, and it is also not a bi-weekly payment plan. It is a combined mortgage/checking account. Most readers have never heard of this, but I assure you, it exists and is offered to homeowners in other parts of the world, such as the Home Smart Home Loan account offered by HSBC Bank in Australia and Asia, or Macquarie Bank in Canada, for example.

The financial community has profited at the expense of nearly everyone else, while promoting a bewildering array of investment “products” and trading platforms. Nevertheless, fewer people than ever before are able to retire comfortably, if they are able to retire at all. Most have followed conventional advice of saving and investing for retirement. In particular, if you are a homeowner with a substantial mortgage and are building a “balanced” portfolio of stocks and bonds, you will probably never reach financial security and may have to depend on Social Security in your “golden years”, if indeed it exists.

The deck is stacked against the average person being able to save for retirement. True financial security cannot be attained by reliance on the ups and downs of the stock market. Even those who have trusted to conventional financial advice have discovered they have nowhere near enough to retire after a lifetime of work. Throw in the incidence of job loss or career change; the result is that fewer people than ever will be able to comfortably enjoy their golden years.

The Mortgage Magic System is an alternative to financial advice that is leading people off a cliff. As a mortgage is the largest single financial undertaking for most people, I stress the importance of paying it off as the first part of an investment plan. Therefore, the Mortgage Magic System begins with a mortgage accelerator – a largely misunderstood method of paying a mortgage off quickly. Let me give you a simple explanation of what it is, because there’s really no mystery. Using the mortgage accelerator, every dollar you deposit into your checking account reduces your mortgage balance until you need that money to pay bills. Until then, it lowers your mortgage balance dollar for dollar. This results in less interest due on your account, so more of your monthly payment goes toward principal. See, not mysterious at all! But very effective! Banks offer this type of account in other countries, but not in the US.

But there’s much more to the Mortgage Magic System. The details can be found on other pages of this site, but suffice it to say that what the Mortgage Magic System gives you is a solid financial plan that provides a large retirement nest egg and also protects that nest egg from reduction from taxes.

The Mortgage Magic System is a product of Estates On Line, a company I founded in 1997. We are located on Long Island, NY.

Important elements of the Mortgage Magic System are life insurance products -examples cited in this site are products of ING, the worlds largest financial services firm. As a licensed insurance agent, I’ve selected ING because of their rock-solid reputation and specifically their convertible term and Retirement Extra policies. Your financial professional may recommend products of other insurance firms as well.

The Mortgage Magic System may be just what you have been looking for, and I frankly believe that it will give most people a far better financial future. Here’s to yours!

Marv Eisen