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Certified smartEquity Specialist Certification

The AFCPE accepts this course for 5 CEUs

Home ownership is a source of great pride for many people. People often dedicate the largest share of  income to their homes that encumbers them for 30 years or more. Long after the children have grown and started their own lives, those monthly mortgage payments continue.

30 years is a long time to wait to own your home. Compound interest eats away at the home's value until some folks have essentially paid for it twice. Even after 15 years, most have little equity in their home. However, this can change by using the same principle that banks employ when lend customers money.

NOW, smartEquity
provides a tool allowing individuals to control their income and expenses to take advantage of this key banking principle. The smartEquity online software can reduce the amount of time it takes to pay off a mortgage by half or more. No gimmicks, no smoke and mirrors, just a simple method that uses complex calculations to determine your financial position on a daily, weekly, monthly and annual basis.

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Certified SmartEquity™ Specialist Online Course Description

The ICFE's CSES™ program is about mortgage and debt reduction through a cash flow money management software system - smartEquity . Enrollees will learn about how mortgages are calculated, how interest is compounded and as a result how homeowners end up paying for two and sometimes three homes because of the amount of interest they pay on the original mortgage.

The CSES™ demonstrates how it's possible to pay off the original mortgage in half the time or less using the current household budget. In the case of consumer debt , students will learn the process for eliminating those debts up to 72% faster, still using their current household budget.

Enrollees will learn about dramatically reducing the "Mortgage Freedom Date" which is the date that an individual or couple become mortgage free. Take one's current age and add the amortized years left on their mortgage and the result is the Mortgage Freedom Date. A person age 55 with 25 years left on the mortgage will have a Mortgage Freedom Date of 80. On average this course can explain how to get that Mortgage Freedom Date down to age 65.

Application of the SmartEquity™ program also provides for the management and elimination of credit card and other consumer higher-interest debt, as well as an integrated accounting system. CSES™ shows how to track progress monthly and manage asset, liability, capital accounts and how to create and read financial reports such as the balance sheet, net worth, profit & loss statement and cash flow reports.

Anyone taking this course will gain the knowledge and skills to better manage financial situations or a small business and save thousands of dollars in unnesessary interest payments freeing up financial Resources to invest, help pay for their children's education or purchase a second investment property. The possibilities are endless when one is living debt free.

The CSES™ course is designed to enhance the ability of financial professionals to utilize SmartEquity™ software for the benefit of their clients. Clients will also have the ability to integrate SmartEquity™ software into their financial planning and record-keeping, resulting in more efficient implementation of financial planning and more effective relationships between the client and financial professional.

What Others are Saying About smartEquity


         From: BUILDER International Magazine   November 2010


Common Interest (click here to read more)


A homeowner advocacy group and software company promote a system that can help pay down mortgage loans.

By:  John Caulfield




(click on Image to read more)


... "What we have to do is get people out of this re-fi mindset, says John Walsh, NOAH's founder and chairman. Walsh thinks the best way to get homeowners thinking about this is during the buying stage, and NOAH recently started pitching smartEquity to builders as a free incentive they could give to buyers, like a granite countertop. "If we could get 1,000 builders to offer this to 50 buyers each, by this time next year this program would be viral. NOAH's optimistic goal, he says, is to have 70 percent of all homeowners mortgage-free within 10 years... (read more)


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What Clients are saying:


"Smart Equity has a built-in tracking system that compares where I should be to where I am. Using Smart Equity, I went from paying my mortgage in 27 years to paying it off in 5. In fact, right now, I'm on track to pay it off even faster than that"! signed Monica


"After spending 45 minutes with Smart Equity customer care I can't believe how much better I feel knowing the sky is not falling. I was hoping to pay of my loans so I could buy a home. I've paid thousands in interest on my loans and I still owe the same for the past five years. The worse part is I didn't even realise how much interest only I was paying. Now I'll be debt free in less 3 than years". signed Phil


 " I'm fifty five years old and single and If not for Smart Equity I would have been still making mortgage payments in my eighties. Now I'll be free of debts including my mortgage at the age of sixty five". signed Susan

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Who Is Enrolling in the ICFE's valuable Certification Programs and earning CE's?

*      Financial Planners

*      Mortgage brokers

*      Realtors - Brokers and Agents
*      Homeowner Associations

*      Employee benefit administrators


Why Become a Certified CSES™ Educator?
Here are some of the reasons why people are getting ICFE certified:


*      Save tens of thousands in interest payments

*      Eliminate credit card and other debts

*      See the impact of financial decisions beforehand

*      Experience life-changing results that last

*      Focus more on the important things rather than debt

*      Develop a sense of financial wellness and peace of mind

*      Pay off any mortgage years earlier

*      Collateral material: written, images, graphs and videos


Here are just some of the things you will learn:


*      Power of Budgeting

*      Self-focus and planning

*      Debt awareness

*      The make up of a mortgages and why people pay so much interest

*      What lenders teach works in their favor

*      Interest cancellation techniques 

*      Reverse compounding

*      How to determine financial net worth in detail

*      How to get out of all debt using a current budget in record time

*      How to record and enter financial data 

*      How to read financial statements

*      How to track bank accounts, credit cards, loans all in one place

*      How to reconcile bank accounts

*      How to enter transactions that help at tax time and an accountant


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Here's What you'll get with your CSESTM course:

*      Online access 24/7, Secured private online members area so you can view and complete your course anywhere.

*       After successfully completing the course, a personalized certificate suitable for display.


Exclusive for CSES™ graduates is three months FREE access to the SMARTEquity software system*.

* No software purchase is required for this course and there is no ongoing requirement to use the  SMARTEquity software system.  Special arrangements have been made through the ICFE so graduates may optionally subscribe to use the software on a monthly basis or even one-time or occasional use basis at special discounted rates.

*      5 CEUs - Assn. for Financial Counselling Planning & Education (AFCPCE).

*      Online help for the SMARTEquity program.


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