Yet, many people take up these "offers" nonetheless. Why?

As I mentioned at opening comments. We really aren't interested in investing, its compounding we want. Its compounding of our seed capital over a specified amount of time that produces results for us. When most people refer to investing, they really mean compounding their money.

The government accredited investment advisors and other peddlers of paper financial tools offer 7% compounding where ever you go. Didn't anybody tell them we dont live for 200 years? Thats how long it would take to see any reasonably interesting return. Even then, in 200 years, inflation would eat up half of gains. Why do so many settle for these returns?

Maybe lack of choice. But I believe we have simply swallowed line "the higher reward higher risk" Therefore, logic goes, settle for a very small 7% compounder, and my money will be safe. (Whether it is or not, is a matter for Gods)

Its just not so. Many low yielding investments are VERY risky.

Want to know what they really mean by that statement? "The more in control of your own investments you are, higher reward and higher risk TO US-our job, our profits" (the investment advisors jobs, investment advisors profits)

CONTROL is financial key to rapid asset growth... compounding. Its just so confusing for most people. They see polished brochures, and marble floored offices, and pristinely groomed secretaries, and believe these guys MUST be good. Yes they are good, they are good at getting business for themselves. So we work very hard in our jobs/small businesses, trying to aggregate together some funds to hand over to them.

Well, those of us that refuse to become professional investors anyway.

YOUR CONTROL OF YOUR FUNDS

Mortgage amortization is often a mystery to consumer. After all, they oftentimes watch as loan officers whip out their calculators and spill out complicated numbers in record time.

But most consumers, unless they work in an industry related to home buying and mortgage lending process, do not understand how loans are amortized. That’s okay—as a consumer it’s really not necessary for you to fully understand amortization process and how your monthly mortgage payments are determined.

However, it is important, if you are seeking a home mortgage loan or if you already hold one, to have a general understanding of mortgage amortization and how to figure monthly payments.

In short, by having a general comprehension of mortgage amortization, you will be a more informed mortgage consumer.

What Does It Do?

When a mortgage loan is amortized, amortization schedule is what will calculate amount of your monthly mortgage payment. A normal, or standard, mortgage amortization will allow for monthly mortgage payment to cover all interest accrued on loan in last thirty days since your last payment as well as a portion to be applied to original principal balance of home mortgage loan.

By following mortgage amortization schedule, borrower is paying off balance of mortgage loan principal, a little bit each month, and building equity into his home. It is not necessary for mortgage consumer to know mathematical formulas that are used in mortgage amortization in order to be able to answer common mortgage questions.