Our goal is to make sure our clients (as well as perpetual information seekers) are well educated. You'll find The Shred Method™ Blog to be a mix of articles about financial literacy, infinite banking, investing, crypto, and a host of other topics related to our way of managing cash flow. If you're curious about thinking differently, you've come to the right place. We're contrarian in all the right ways.

How to Remove Escrow from Your Mortgage Payment and Manage It Yourself

Learn how to remove escrow from your mortgage payment, manage taxes and insurance independently, and increase cash flow with The Shred Method™. ...more

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August 27, 20246 min read

How to Remove Escrow from Your Mortgage Payment and Manage It Yourself

The Year Gone By and The Year Ahead…

There is one main reason we do what we do at The Shred Method™ – to create freedom and options for individuals and families. Sometimes, the decisions we make are questioned by those who don’t fully un... ...more

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January 04, 20230 min read

The Year Gone By and The Year Ahead…

The Power of a Heloc

However, the HELOC is a much more powerful tool than most of us realize. When used as a “sweep account” of sorts for your income, the HELOC becomes one of the most powerful debt elimination, mortgag... ...more

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May 30, 20220 min read

The Power of a Heloc

Payoff Debt or Invest? YES!

Using The Shred Method™, our users get to compound interest GROWTH far faster. Remember that it requires TIME and MONEY to achieve compound interest. If you have a little money, you need a lot of time... ...more

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May 20, 20220 min read

Payoff Debt or Invest? YES!

Is this like... replace your mortgage?

By and large, we see the value in the 1st lien HELOC (Replace Your Mortgage), but have found that there are psychological benefits of knocking down large balances with smaller lines of credit. In esse... ...more

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May 09, 20220 min read

Is this like... replace your mortgage?

Is this like... an Australian Mortgage?

The main reason is Australian banks offer something called a Sweep Account — essentially a line of credit that is used to pay down debts quickly. The Sweep Account is much like a checking account with... ...more

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May 02, 20220 min read

Is this like... an Australian Mortgage?

How to Remove Escrow from Your Mortgage Payment and Manage It Yourself

Learn how to remove escrow from your mortgage payment, manage taxes and insurance independently, and increase cash flow with The Shred Method™. ...more

All Categories

August 27, 20246 min read

How to Remove Escrow from Your Mortgage Payment and Manage It Yourself

The Year Gone By and The Year Ahead…

There is one main reason we do what we do at The Shred Method™ – to create freedom and options for individuals and families. Sometimes, the decisions we make are questioned by those who don’t fully un... ...more

All Categories

January 04, 20230 min read

The Year Gone By and The Year Ahead…

The Power of a Heloc

However, the HELOC is a much more powerful tool than most of us realize. When used as a “sweep account” of sorts for your income, the HELOC becomes one of the most powerful debt elimination, mortgag... ...more

All Categories

May 30, 20220 min read

The Power of a Heloc

Payoff Debt or Invest? YES!

Using The Shred Method™, our users get to compound interest GROWTH far faster. Remember that it requires TIME and MONEY to achieve compound interest. If you have a little money, you need a lot of time... ...more

All Categories

May 20, 20220 min read

Payoff Debt or Invest? YES!

Is this like... replace your mortgage?

By and large, we see the value in the 1st lien HELOC (Replace Your Mortgage), but have found that there are psychological benefits of knocking down large balances with smaller lines of credit. In esse... ...more

All Categories

May 09, 20220 min read

Is this like... replace your mortgage?

Is this like... an Australian Mortgage?

The main reason is Australian banks offer something called a Sweep Account — essentially a line of credit that is used to pay down debts quickly. The Sweep Account is much like a checking account with... ...more

All Categories

May 02, 20220 min read

Is this like... an Australian Mortgage?

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