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GLADIATORS-usa.com TM

"Helping Consumers WIN WorldWide!™"

"CONSUMER GUIDE to SAVING BIG MONEY on LOANS +" TM

* Better understand "LOAN" CONTRACTS terminology - "BEFORE YOU SIGN".

* Quick Interest Rate conversion calculations - ANNUAL PERCENTAGE RATE (APR),

Monthly Percentage Rate, Daily Percentage Rate...

* Loan Refinance "BREAK-EVEN" Months calculator.

* "Easy" Loan PAYMENT calculator.

* CREDIT-CARD-Payoff analysis -- Given Balance, Monthly Payment & Interest Rate.

* Loan "Amortization Schedule" - up to 40 year term - monthly listing.

* Cash-Flow & "BUDGET" tracking spreadsheet.

* Personal Budget "TO-DOs" - take ACTION to improve your financial situation.

+ Hundreds of MONEY-SAVING TIPS.

* Professionally prepared 8-1/2" x 11" COLOR coded Microsoft EXCEL spreadsheet SOFTWARE

automates the financial calculations concerning conventional LOANS.

* This Microsoft Excel SPREADSHEET SOFTWARE will operated on any desktop or

notebook personal computer with Microsoft Excel.

+ Companion Microsoft Word

"CONSUMER GUIDE to SAVING BIG MONEY on LOANS +" TM

Guidebook provides a huge compilation of consumer money saving tips.

* Every copy of this "CONSUMER GUIDE to SAVING BIG MONEY on LOANS +" TM

SOFTWARE will be Registered to the USER, and this "Registered User" is displayed

at the top of the front sheet of the SOFTWARE.

* This SOFTWARE is COPYRIGHT protected by United States and

International COPYRIGHT laws.

* If you know how to program in EXCEL and/or VISUAL BASIC and you've got plenty of

free time, you could make this software yourself and save spending the retail price,

But, if you are like most people, you don't have the "spare time" or the

inclination to PROGRAM this SOFTWARE yourself;

in this case you will find this SOFTWARE PRODUCT a great value.

* Self-published by author, Ray Higley, PE and sold by:
GLADIATORS-usa.com.

* The offered "CONSUMER GUIDE to SAVING BIG MONEY on LOANS +"TM

SOFTWARE is the most comprehensive, easy to use, CONSUMER LOAN GUIDE SOFTWARE

available in the WORLD today and is a great purchase value!

* SHIPPING & HANDLING CHARGES:

This SOFTWARE PRODUCT is shipped at "NO COST" as an EMAIL ATTACHMENT.

* THANK YOU for your interest in GLADIATORS-usa.com's PRODUCTS. "BUY NOW" -

GET this valuable CONSUMER LOAN GUIDE SOFTWARE, USE it proudly - "TOMORROW"!

Help yourself and your friends to better understand, appreciate, and

WIN in the wonderful world LOAN FINANCING. When you better understand

all important details, you will be able to guide yourself toward excellence and

thru practice with the right tools achieve ever higher levels of financial performance.

* TO ORDER:

For each "CONSUMER GUIDE to SAVING BIG MONEY on LOANS +" TM

Send your SHIPPING ADDRESS and a $20 payment including

SHIPPING & HANDLING via PayPal.com .

All orders are shipped upon receipt of payment.

GLADIATORS-usa.com accepts only payments made through PayPal.com.

Pay over the Internet with confidence with PayPal.com.

All transactions are easy and secure. Just click the PayPal.com link or logo below

and use the email address: Ray@gladiators-usa.com to ID the payment account.

Be sure you identify the item ordered and include your correct shipping address.

* Your product improvement FEEDBACK is welcomed – if you identify any errors or suggest any

implemented improvements to any of our POSTER products – you

will receive a FREE revised POSTER. Just email Ray@gladiators-usa.com.

* GLADIATORS-usa.com also sells products over the Internet on eBay.com.

Check out our reputation with our eBay.com clients.

Just click on the following eBay.com user ID:

"gladiators-usa".