15. What have I learned so far from COVID-19 virus.

What have I learned so far from COVID-19 virus.

Once I found out that I have prostate cancer a lot of things changed on a dime. I suddenly started to look into the future and think what is life without you.

For a while I was depressed, in the dumpster and just emotionally down. I was in this state for about three days. Then I realized that this is all Big BS. The doctor made the best guess he could and I have to accept that, that is not how life works for me. He will be correct if I do nothing at all and let life run by itself.

This is not how my life ends.

After those down days, I woke up and became very active in researching the Prostate Cancer problem. By reading as much as I could to understand what I can do to not just live with cancer but to thrive with it.

I never have done anything like that in my life where all of my energy goes into one project. Waking up and being active involved with my own health started with Covid-19 when those lying people in government never told the truth about the killer shot.

Got a question?

Now I question anything and everything what anybody tells me. I do not believe what people are telling me anymore. I am talking about the people in charge. They open their mouth and you know immediately that they are lying to me.

My new motto is exactly what President Reagan did with the former USSR. “Trust but verify”.

If the doctor tells me exactly what needs to be done from his point of view, I will take that as a recommendation not as a command to do it. I will do my research, thinking about his solution and looking for pros and cons to see if this is the best solution for me.

Become Independent

Earlier in life I would never have done that this way. Now, with all that lying (safe and effective), hiding the truth for 75years (Covid-19 side effects) and the DE-platforming of experts in there field, like (Dr. Robert Malone ) Covid-19, I now verify all the information. If the information has not been verified, I will not believe it and wait until it is verified. It may takes years until the truth comes out.

Now I have a lot of questions, do a lot of research and I am learning a lot about myself. What a change for me inside and outside. Love to learn and see life from a different perspective. It is all positive. The truth, that I have prostate cancer I cannot change but I can change my inner perspective and my outer outlook.

Always confirm your ideas to make sure they make sense

With the next eye doctor visit I need to confirm that there is a change of my vision for the better. I do not want to live in fantasy land with tinker bell and bugs Bunny.

Norby

My Journey with Prostate Cancer Diary
https://psacancerbegone.com/prostate-cancer-diary-part1/
The truth only, NO BS.

See the chart (Timeline) for yourself.
https://psacancerbegone.com/time-line-chart-ivermectin-fenbendazole/
The truth only, NO BS.

Index for all lab results
https://psacancerbegone.com/index-lab-result/
The truth only, NO BS.

Good Links for repurposed drugs
https://psacancerbegone.com/buying-drugs-part1/
Go for it, find better palaces to order.

The post 15. What have I learned so far from COVID-19 virus. appeared first on Got Prostate Cancer?.

14. Observation: Is my eyesight getting better?

Is my eyesight getting better?

Two days ago 01-04-2025 I noticed to my surprise that I could read letters better on the TV without my classes. I did not understand what was happening and why. So, I started to research and found out that there is a condition called “River Blindness’. I did more research and found out that a parasite is responsible for that problem.
That triggered another search and I learned that you need to take medication for parasites. This will help and or cure River Blindness. I do not have River Blindness.
That is when I realized that we can have parasites in our eyes. Eye capillary parasites refer to parasites that can infect the eye and potentially cause damage to the eye’s tissues, leading to symptoms like pain, redness, and vision problems. Common types include Acanthamoeba, Toxoplasma, and helminths like Loa loa, which can affect the eye’s capillaries and surrounding areas.

That brings me back to my original question, why is my eyesight getting better?

Since I have prostate cancer, I take Ivermectin. Ivermectin is fighting parasites.
Do you think there is a connection between Ivermectin fighting parasites and because of that I am getting improved eyesight?
To me it makes sense, but I have no idea if that thinking is correct. Since I am not a doctor, I am not sure, or is that just wishful thinking.

The other day I was looking around and try to read letters in the distant just to see if anything has changed. To me it looks that way that my eyesight is changing. With the next doctor visit to check out my eyesight we will find out for sure if this all makes sense. Of course i kept searching on the internet to see if other people noticed that too.

I found an article about that findings. This is what I found: Ivermectin and Fenbendazole for Macular Degeneration (2025).

You can read it on X also: https://x.com/MakisMedicine/status/1964642379178426514

Norby

My Journey with Prostate Cancer Diary
https://psacancerbegone.com/prostate-cancer-diary-part1/
The truth only, NO BS.

See the chart (Timeline) for yourself.
https://psacancerbegone.com/time-line-chart-ivermectin-fenbendazole/
The truth only, NO BS.

Index for all lab results
https://psacancerbegone.com/index-lab-result/
The truth only, NO BS.

Good Links for repurposed drugs
https://psacancerbegone.com/buying-drugs-part1/
Go for it, find better palaces to order.

The post 14. Observation: Is my eyesight getting better? appeared first on Got Prostate Cancer?.

13. Being patient helps

Facts

On 04/05/2024 found out that I had prostate cancer. On the 10/12/2024 I started taking Ivermectin 12mg for 10 days. The PSA number dropped from 9.3 to 5.53. That was extremely fast change of the PSA in 10 days. After that I changed the ivermectin from 12 to 18 to 30 to 60mg per day for four days. I added Fenbendazole to my schedule from 220 to 250 to 500mg and the PSA number dropped from 5.53 to 3.79.

Observations

You can see from the chart that the PSA number did not change a lot, even though I added a lot of extra Ivermectin and Fenbendazole to the daily regiment. You can see that with all the added medication, the change with the PSA number was very little. That’s when it hits me and I realized that my expectations are way too high.

This is when I lowered my expectations to see the reality of cancer treatment. It takes longer to kill all cancer cells. Like the saying goes “Putting more than one woman on the job to make a baby will not work, it will not go faster.

Norby’s Recommendation:

Be patient with the result, expect no miracles and especially be grounded in reality of the situation. But also do not well in negativity, let your emotions move up and down. Go with them as if you are floating in the ocean.
And most of all, enjoy the given life you have left.
Remember: “Make the best decision you can make with the current knowledge”.
Listen to your inner voice, it will guide you and help you to make better lives decisions.

Norby

My Journey with Prostate Cancer Diary
https://psacancerbegone.com/prostate-cancer-diary-part1/
The truth only, NO BS.

See the chart (Timeline) for yourself.
https://psacancerbegone.com/time-line-chart-ivermectin-fenbendazole/
The truth only, NO BS.

Index for all lab results
https://psacancerbegone.com/index-lab-result/
The truth only, NO BS.

Good Links for repurposed drugs
https://psacancerbegone.com/buying-drugs-part1/
Go for it, find better palaces to order.

The post 13. Being patient helps appeared first on Got Prostate Cancer?.

12. What is my PSA Baseline?.

What is my PSA baseline?

Let me make a couple assumptions and than we can explore the different outcomes. First of all I do not know what my PSA number was before I got cancer. I never tested the PSA before I found out that I had cancer.

What are the conditions that generates a PSA number without having cancer?

1. Enlarged prostate
2. Prostatitis (inflammation of the prostate)
3. Urinary tract infections (UTIs)
4. Recent ejaculation or prostate stimulation
5. Certain medical procedures involving the prostate.
6. Serum parathyroid hormone (PTH)

Note to 6:
It may also promote prostate cancer cell growth, even in people who do not have prostate cancer. For this reason, high levels of parathyroid hormone may escalate PSA levels

What is the baseline PSA for an elderly good looking person of 73 years, that is the question?

This is my source for the PSA number from 0-5.6. https://roboticoncology.com/post/what-is-a-normal-psa-level-by-age

Can I still have prostate cancer if my PSA levels are low?

Having high PSA levels isn’t the only sign of prostate cancer. Your PSA levels can still be low — even below 0.5 ng/mL — if you have prostate cancer.

That’s why a doctor will usually recommend other tests besides a PSA test to diagnose prostate cancer, especially if you’re experiencing other symptoms or are at high risk

This is my source for that information. https://www.healthline.com/health/prostate-cancer/prostate-specific-antigen-normal-range#next-steps

What is my goal?

Now back to my current problem. Remember the goal, take as little medication as you can.

I started out with 9.3PSA level. Now it is 4.3 PSA. I took Ivermectin and Fenbendazole to lower the PSA level. So far it worked. From my point of view I reached my goal of trying to get rid of my cancer via lowering the PSA number.

The question is, is my cancer gone, or just hiding behind my lower PSA number? Remember, assuming is not knowing, it is a good feeling but it is still not knowing.

Go to the web page https://psacancerbegone.com/time-line-chart-ivermectin-fenbendazole/ , go to the chart and see how it changed by taking 12 mg Ivermectin. Look at the chart, you can see that I lowered the PSA number with 12mg Ivermectin for 10days from 9.3 to 5.6. Now my thinking is that I never needed Fenbendazole in the first place. What needs to be done is an MRI to confirm that the cancer is gone, or got reduced with ivermectin alone.

Unbelievable

For me it was as unbelievable that the cancer would be gone so fast that I kept moving to lower the PSA number having added Fenbendazole. Now I am wondering if that was a mistake. Luckily I had no side effects so far from Ivermectin and Fenbendazole. Remember, if not needed, do not take it, that is always my goal.

Link to: Prostate Cancer Foundation

https://www.pcf.org/patient-support/diagnosis/monitoring-detecting-recurrence/

What do we do next?

1. First I will get another PSA test at Quest Diagnostics to complete my last test when I lowered the Ivermectin and Fenbendazole.
2. Restart my tests with the doctor.
3. Get an MRI to confirm the the cancer got smaller or even is gone or in remission.
4. See what the results are, make a new decision to keep current path or go into maintenance mode with the medication.

Norby

My Journey with Prostate Cancer Diary
https://psacancerbegone.com/prostate-cancer-diary-part1/
The truth only, NO BS.

See the chart (Timeline) for yourself.
https://psacancerbegone.com/time-line-chart-ivermectin-fenbendazole/
The truth only, NO BS.

Index for all lab results
https://psacancerbegone.com/index-lab-result/
The truth only, NO BS.

Good Links for repurposed drugs
https://psacancerbegone.com/buying-drugs-part1/
Go for it, find better palaces to order.

The post 12. What is my PSA baseline? appeared first on Got Prostate Cancer?.

11. Vaccinated Covid-19 Victim gets counted as Unvaccinated.

New counting system for dead Covid-19 victims.

This is what I found out on a rainy day. We are talking about the good old counting technique of dead people during the Covid-19 pandemic.

COVID-19 dead counting system.

This is the fraud portrayed not just on the American people but worldwide. Let’s assume you got the killer shot Covid-19 and you get Myocarditis a couple days later and now you are dead.

Are you an unvaccinated or vaccinated dead person?

Will this count as a dead unvaccinated person or as a dead vaccinated, that is the question? You would think that this dead person will count as a dead vaccinated person. That is where you are totally wrong. It will not count as an vaccinated person for sure because that would be the truth.

Need to wait 10-21 days before you become a vaccinated person after the shot.

Not if you are a traitor and a democrat, you will count that as an unvaccinated dead person, so that you can skew the data against the unvaccinated people. Now, let me explain how that works in today’s upside down world. What those lying FDA and Government is doing, they do not count this as a COVID-19 shot problem. Get the shot and wait for 10 to 21 days and then you will be counted as a vaccinated person. Since most people are dying in the first week after the shot, the statistics gets bent, misused or voided all together of the real death count from Covid-19 shots. No wonder you can’t trust anybody anymore for anything. Our government is in terrible terrible state. Even a doctor, nurse or anybody that still supports the killer shots COVID-19 to children should get shot themself.

Video on Rumble.com with Dr. John Campbell & Dr. Panagis Polykretis

Go to Rumble.com, Search for Dr. John Campbell and look for video: Vaccine Bias exposed: Deaths misclassified!

This paper is written including graph by: Dr. Panagis Polykretis

https://panagispolykretis.substack.com/p/this-paper-will-shock-the-world-unveiling

Norby

My Journey with Prostate Cancer Diary
https://psacancerbegone.com/prostate-cancer-diary-part1/
The truth only, NO BS.

See the chart (Timeline) for yourself.
https://psacancerbegone.com/time-line-chart-ivermectin-fenbendazole/
The truth only, NO BS.

Index for all lab results
https://psacancerbegone.com/index-lab-result/
The truth only, NO BS.

Good Links for repurposed drugs
https://psacancerbegone.com/buying-drugs-part1/
Go for it, find better palaces to order.

The post 11. Vaccinated Covid-19 Victim gets counted as Unvaccinated. appeared first on Got Prostate Cancer?.

10. Emotion & Expectations

Emotion & Expectations

I went into the doctor office with not a glimpse of an idea that I have prostate cancer. When the doctor explained that, my emotions went way down. So far down that I did not listened what he had to say at all. My emotional system was shutting down. On the way home I realized that there is always another way to do things. What the doctor wanted was an operation ASAP to cut out the prostate cancer. My ex father in law had an operation and it turned out not good at all. From continuing infections, to adding a plastic tubing for peeing, removing it later, putting a valve in the tubing. It was a mess.

Is there another way of doing things, that is the question?

My decision was to try to go with Ivermectin and Fenbendazole to see if the PSA number goes down and maybe the prostate cancer goes away or gets stalled or slowed down so my time on earth is extended. One can hope.

Learning and being responsible for yourself.

Being suddenly fully responsible for the prostate cancer outcome puts a lot of stress on my emotions. Every time I go to take a PSA test the stress goes up and down. One asks a lot of questions to see if that decision was the correct one, or could I have done a better one with the current knowledge.

Are you sure you are going the right path?

I am never 100% sure. But I do the best I can and keep moving forward, correcting any perceived mistakes and see what I have to do to get to a better place on this green earth.

Have a lot of question.

There is always an inner struggle going on between the expectations and what the next test result is. One is also more aware of other people cancer stories. I am asking more questions than ever about friend’s story and the actual factual facts. Now you compare other people cancer stories with your truth and find out how much time is left. That changes your emotion and interest what you are doing with the rest of your life.

Norby

My Journey with Prostate Cancer Diary
https://psacancerbegone.com/prostate-cancer-diary-part1/
The truth only, NO BS.

See the chart (Timeline) for yourself.
https://psacancerbegone.com/time-line-chart-ivermectin-fenbendazole/
The truth only, NO BS.

Index for all lab results
https://psacancerbegone.com/index-lab-result/
The truth only, NO BS.

Good Links for repurposed drugs
https://psacancerbegone.com/buying-drugs-part1/
Go for it, find better palaces to order.

The post 10. Emotion & Expectations appeared first on Got Prostate Cancer?.

9. White privileges in a nutshell.

An interesting day to remember.

I learned about White Privileges in Georgia. This is what happened to me on a sunny day in Savannah, GA. Sitting on a bench and seeing the big cargo ships passing by. A friend of a friend introduced himself and we made small take about the city and the view of the ships.

This was a surprise to me.

Out of nowhere the person next to me was talking about my life, not his life, but my life. How easy my life was and how easy it is currently since i can travel to different places at any time. He was talking about my childhood that i must have gotten everything i always wanted.

He made totally wrong assumptions about myself.

This was the most interesting conversation i ever had. Almost all of his assumption he made were totally wrong and had nothing to do with my reality at all. This surprised me so much that my response was unbelievable to the assumption he made about my life.

Sometimes we wake up, later than never.

After a while my internal light bulb turned on and i realized he was talking about my “White Privileges”. This made sense to me, he is a black person and i am a white person. Suddenly everything what he was talking about made sense from his point of view, it just was totally fabricated bull shit.

Now it was my time to tell the truth.

I interrupted him and explained my childhood. I said that he was correct, every toy i wanted i got from my parents without a problem.

First condition from my Parents.

There were only two conditions attached to my request for new toys. The first one and the most important one, was that the toy had to come from the dump, not a store. Of course i had to search for it and find one. This attached condition was an easy one for me to follow. I did not know any better. When i found a nice non working toy, that was tossed into the dump, i was as happy as a clown.

Second condition from Parents.

This brings me to the second condition from my parents. The condition was, do not ask your father to help you fix your new found toy. It was not that he is not helping me to fix my toys he had tow left hands in fixing toys, meaning he did not know how to fix toys.

This how you become Independent.

So, i was on my own with fixing anything i found. This was actually a gift given to me from my parents. Not something negative at all. It gave me the opportunity to learn how to figure out how things work, taking things apart and how to fix them.

Looking back onto my childhood.

Now looking back on my childhood and noticed that this was the beginning of being independent, curious of new things and i am still interested in learning new things like making a web page and writing articles about my past.

Even the Friend of a Friend can still learn about White Privileges.

The person next to me became very quiet and did not respond at all what i had to say about my childhood. This was the time for me to learn something new again. This is what i learned, “White privilege is black’s jealousy”. You could hear it in his voice that he was jealousy of me. So, when somebody talks about white privileges, they are actually talking about there jealousy and wish they had the same.

You can do what I did and be in the same position.

The funny thing is he could have done the same things what i did and would be in the same condition as i am. In this great country USA you can do anything if you work 50-60 hours a week and not complain about it. But that he did not want to hear that it was his responsibility to take care of himself. Nobody else is responsible for him, but himself.

Let’s be Friends.

This ended our conversation very fast and we parted as strangers in the night.

Norby’s Recommendation:

Listen carefully what people have to say and think for yourself.

Norby

My Journey with Prostate Cancer Diary
https://psacancerbegone.com/prostate-cancer-diary-part1/
The truth only, NO BS.

See the chart (Timeline) for yourself.
https://psacancerbegone.com/time-line-chart-ivermectin-fenbendazole/
The truth only, NO BS.

Index for all lab results
https://psacancerbegone.com/index-lab-result/
The truth only, NO BS.

Good Links for repurposed drugs
https://psacancerbegone.com/buying-drugs-part1/
Go for it, find better palaces to order.

The post 9. White privileges in a nutshell. appeared first on Got Prostate Cancer?.

8. What have we become as a Nation?

What have we become as a Nation?

Our nation is going down into the dumpster of a third world country. We are lying to ourself to justify the killings of the next generation even before they are born.
Now, if they are lucky to be born, we still want to kill them. We use a nice phrase for the killing babies and call a “Healthcare Right”. The question who’s right is it? The one who gets killed or the one who does the killing.

We have become a culture of death.

They are working in California on a new law to be able to kill a baby up to two weeks old. Instead of protecting the born and the unborn, they are now executing the living. This is not good at all. There is no human conciseness anymore in peoples hart. The hate for all living beings has become the all powerful thought regardless of the outcome.

The future willful killings of people up to 25 years:

We need to look into the bright future with open eyes. See the beauty in the killing fields at home by making decisions about our basement son. We need to decide if we transport him into another dimension or do we let him live beyond his 25th birthday.
We, as a parent, have the responsibility to take care of him like a 2 week old child. It is the parents responsibility to feed him, house him and yet, still be able to kill him legally. Remember, the good old times when we killed legally a two weeks old baby, this was ‘Health Care”. With the newly expanded healthcare law we can now ask the healthcare provider like Planned Parenthood to find the best and peaceful way to kill the basement son, if needed. Regardless of his age, selected gender or newly found sexual orientation.
The excitement is at the peek on his 25th birthday in the morning to see ob there is any movement from the basement to the first floor in the house. The lack of movement tells the parents to help move him into the better after life.

When will the killings end?

The next “Health Care” decision is with those old people in there 50th and older. Why can we not do the same with them as we do with the youngest under us, the babies? Just need to change our new all “inclusive healthcare directive” so we can include everybody above 50 years old.

You find a reason, we can kill even more people:

Our new found laws are the greatest in the world. We finally can accept who we are and feel free to execute anyone for any reason. Why wait for tomorrow when you can express your liberal views today. And you can kill your lovely friend just because “it” had a different thought.

Let us do our killings in an non offending way:

This is our biggest and most pressing concern how to kill people without offending them in the first place. We need to take a look into the past. First we hang them in the town square. From there we hung them on the trees. After that we shot them, electric executed them. We put them in the Gas chamber. Now we have the most human killings at all. This works so great and it is approved by millions of liberal voters. The ripping apart, legs, limbs and heads of children inside of the womb. This is the new way of killing all those unwanted children and we will expand the action up to 25 years old.

New execution settings is required in our homes:

If we can make believe the “He is She” and may turn into a “It”, we also can make believe it is better for “It” to be gone to never land. Make the execution basement in a fairy tail settings, so you can make believe you did the best you could do. Tinker Bell from Disney land, will guide you and go with you into never ever land.

What else can we use to kill people off.

Using the gun to kill people, using the needle to kill babies and using the needle to kill the population with the new vaccines. All in the name of protection and control over the population. If you create fear among the liberal believers, you can hide the the toxicity in the mRNA vaccine and kill as many as you can in the short term and even more in the long term. Just tell them it is good for you and the people get sicker and sicker by the day. Give them as many shots as needed and wait for the dying of those good sheep.

Norby

My Journey with Prostate Cancer Diary
https://psacancerbegone.com/prostate-cancer-diary-part1/
The truth only, NO BS.

See the chart (Timeline) for yourself.
https://psacancerbegone.com/time-line-chart-ivermectin-fenbendazole/
The truth only, NO BS.

Index for all lab results
https://psacancerbegone.com/index-lab-result/
The truth only, NO BS.

Good Links for repurposed drugs
https://psacancerbegone.com/buying-drugs-part1/
Go for it, find better palaces to order.

The post 8. What have we become as a Nation? appeared first on Got Prostate Cancer?.

7. Become and be an independent thinker.

Follow your own intuition!

What other people do and say is not as important as what you think. Let me give you an example of what I am talking about.
Taking the brand new mRNH vaccine or not, that is the question. I hat no idea how bad or deadly the Covid-19 was. So, what I did, I followed the general recommendation of Fauci and Doctors who should know better what to do. The first fourteen days we staid at home, remodeled our home, but listened very carefully to the news on TV and on the internet.

Now we need to question anything and everything.

We noticed that there where a lot of question of the new mRNH vaccine. Instead of answering the questions, the people got removed and silenced on YouTube and other platforms. That was a RED FLAG for me. I knew something was not correct with the mRNH vaccine. So, I never took the JAB. I was thinking for myself. All the laying from Fauci made me stronger and stronger in my believe that the shot is deadlier, more complications and in the long run nobody took responsibility for the vaccine.
Sisters, brothers and relatives try to tell me, made me afraid and got mad at me that i did not take the shot.

This was thinking for myself.

Just listen to yourself, listen to your inner voice, it will guide you in the right direction.

Now, I am very thankful that I did not take the shot. I got thick one time in three years and it was exactly like the flue. No more, no less. With a 99.98% of making it without problems, this is a risk i can take.
The question is, Would you go to Las Vegas and gamble and have 99.98% chance of winning. I sure would do that on the spot.

Norby’s Recommendation

Do not jump the gun. Sleep over it and wait. You know, the truth always comes out, just it takes a little bit longer now with all those censoring of the truth. Once you got the shot, nobody takes responsibility for it. You are on your own. You can not undo that decision. The Covid-19 generating machine is in your body and nobody can remove it.

Norby

My Journey with Prostate Cancer Diary
https://psacancerbegone.com/prostate-cancer-diary-part1/
The truth only, NO BS.

See the chart (Timeline) for yourself.
https://psacancerbegone.com/time-line-chart-ivermectin-fenbendazole/
The truth only, NO BS.

Index for all lab results
https://psacancerbegone.com/index-lab-result/
The truth only, NO BS.

Good Links for repurposed drugs
https://psacancerbegone.com/buying-drugs-part1/
Go for it, find better palaces to order.

The post 7. Be an independent thinker. appeared first on Got Prostate Cancer?.

6. Give with Interest.

You are a good person and want to help out your best friend. What are you going to do next? How can you accomplish that? That is the question for this article.

This is a simple solution.

So, you give your friend $1610.46 and be done with it. He is a happy person, got out of a bad situation with the current house payment. You know you did the best you could do. Both of you are thankful and move on with your live.

Could you have done better with your money?

That is the $1610.46 question. The answer is a clearly Yes and a Yes. What we need to do is to give money in a way that the giving grows without giving more money.

Normal investment of money

Normal investment of money You like to see the investment grows over time. Invest $5,000 dollars and over time it will double. Now you got $10,000 dollars in your account. You have not added any new money to it, just waited 7-10 years and were sitting on a beach. This is what i call, “Being a smart person”.

Implementation of the new Idea

How do we translate this idea into the action for our friend. This is what we can do better than just giving money.

A simple real example of this idea.

Let us assume your friend has a to make a house payment each month.

Remember, we try to keep it as simple as possible. We work with the phrase “KISS”. It stands for ‘Keep It Simple Stupid’.

Assumptions.
Fixed Mortgage
Starting date: 01-01-2023
House Money: $300,000
Down payment: $0
Time: 30 Years
Interest rate: 5%
What is the Monthly Payment?

Action you need to do now.

Verify each step and see for yourself. Get paper and a pencil out. We are ready to move forward. Stay with me and understand the connection and how it works. It is very easy to follow if we do it one simple step at a time. Let’s get started.

First things first.

Step 1.
We need find out what his monthly payment is. For that we use the internet. For example i went to https://www.bankrate.com/loans/loan-calculator/ . You can go anywhere on the internet, as long as you get the result what we are looking for.
The monthly payment is $1610.46.
Total principal paid
$300,000
Total interest paid
$279,767.35
Now we know all payments for the next 30 years.

Did you see that? Did you notice something? The interest you paid at a 5% loan is $279,000.00 dollars. You bought two houses. So, how many houses did you buy with your current loan?

What is an Amortization schedule?

Step 2
Now it is getting interesting. What the heck is an Amortization schedule? Go down and click on the ‘Show Amortization schedule’.
Print Amortization schedule. This gives you an opportunity to write on it and follow our example closely.

What you seeing is a table that tells you about four things. They are very very important to understand and are very simple at the same time.
Fist column: Payment Date
Second column: Principal
Third column: Interest
Fourth column: Balance.

Crazy payments each month.

The monthly payments gets separated into Principal section and the Interest section. Scroll through the table and notice that the Principal portion goes up and the Interest payment goes down over time. This tells you that the most interest is payed at the beginning of the loan payments. of course the monthly payments stay the same.

Amortization schedule

Payment Principal Interest Balance
02/01/22 $360 $1,250 $299,640
03/01/22 $362 $1,249 $299,278
04/01/22 $363 $1,247 $298,914
05/01/22 $365 $1,245 $298,549
06/01/22 $367 $1,244 $298,183
07/01/22 $368 $1,242 $297,815
08/01/22 $370 $1,241 $297,445
09/01/22 $371 $1,239 $297,074
10/01/22 $373 $1,238 $296,701
11/01/22 $374 $1,236 $296,327
12/01/22 $376 $1,235 $295,951
01/01/23 $377 $1,233 $295,57

Step 3. Your friend is starting to make payments on
02-01-2022 of $1610.49
03-01-2022 of $1610.49
04-01-2022 of $1610.49

Check and see that the principle has gone down from $300,000 to $298,914. Not a lot.

Check the Interest payed in three month.
$1250.00
$1249.00
$1247.00
—————-
$3746.00 This is a lot of interest payed in three month.

Check the Principal payed in three month.
$360.00
$362.00
$363.00
—————
$1085.00 This is very little tor warts the Principal.

Warning Warning, Read it carefully, slowly two to three times.

Did you noticed what is going on here. For $1085.00 dollars of Principal going down you have to pay $3746.00 in Interest.

Put your thinking hat on and turn things around. If you make an extra payment tor wart the Principal of $1085.00 YOU SAVE 3746.00 of Interest payment.

let us assume that you gave your friend $1085.00 as a present. He would take that money and put it against the monthly payment.

$1610.46 minus
$1085.00
——————
$525.46 missing
He still needs to add $525.46 to make a full payment. NOT so good idea.

Way better idea.

Give the same amount of money of $1085.00. Tell him he has to put that money tor warts the Principal. Now, see the new result.

1. You gave the same amount of money to your friend. No change.
2. You made him put the money against the principal. That is the only way how to do it.
3. You NOT just shorten the length of the loan by three month, but also you saved him $3746.00 in interest payments.

This is not bad at all. You not just gave him $1085 Dollar But also you saved him $3746.00 in Interest and you shortened the length of the loan by three month. Read that again please. I call that not bad at all. And that because you took a different path but the outcome is totally better.

That is the power of thinking. Small steps, big results.

Hint:
Make sure that the extra payment goes to the Principal NOT against the monthly payments. You have to specify and verify that the money has gone against the Principal.

New idea to save money.

You get extra money, like a bonus, any extra money like you worked over time, put that money against the principal. You have no idea how fast you cut your loan length and save a lot of interest payments.

Give your house payment a boost.

Every time you get a pay increase, you save a portion of that extra money and make extra principal payments. You will not miss that money after awhile and your loan is payed off a lot earlier.

Norby’s Recommendation:

Become an independent thinker. Follow up with action. Remember only the action counts. Cut the length of loan as soon as you can. Do not listen to other people with bad advice. Understand the idea and follow your inner voice to become successful with your lives path.

I have payed off my 30 year loan in 17years. It works very nicely. You do not need to change the 30 year loan to a 15 year loan either.

Now we got a new understanding.

Norby

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