<TITLE>Raymond E Smith</TITLE>

Welcome To My Product and Services Page!!!

I provide the Mortgage Savings Program TM to all homeowners. This
program will cut the term of Your current 30 year mortgage by up to 7 years.
Your monthly payment is a $1000.00 for Your 30 year mortgage with a
Bi-weekly mortgage it would be a split payment for instance a $1000.00
payment would be 500.00 bi-weekly payment plus a $3.50 Bi-Weekly Fee
and two weeks later the same amount payment. You would save the 7 years
with the Bi-weekly mortgage,$115,784 in interest,and save $61,027. With the
30 year mortgage Your loan will be paid off in 30 years,$176,811 in
interest,and You will save $0. I have a free brochure on request that explains
the Mortgage Savings Program in more details. Free Computer Comparison
of your Current Mortgage versus the Mortgage Savings Program.

Financial Consultant and also a Loan Broker to help obtain cash. Loan
Broker Capital Available For Business,Commercial & Venture Capital
$25,000 - $1,000,000. I will act as the go between You and My List of Loan
Sources. I will go all the way to get Your Loan Funded. Also I am a Financial
Consultant who can analyze your business to determine where you can
gain more cash flow without harm to current staffing levels just areas
sometimes overlooked in saving money. Especially needed in these
economic times we are in today. Positive Cash Flow!! Here are just a few
of the ways I create Positive Cash Flow For Businesses. I do General
Ledger Reports: Balance Sheets, including Comparisons, Income
Statement including Actual vs. Budget,Cash-Flow Projection,Budget
Reports,Side by Side Balance Sheet,Account Reconciliation
Detail,Transaction and Summary,FL Transactions,Trial
Balance,Invoices,Receipt Transactions,Sales Transaction, Customer
Reports: Customer Correspondence,Customer Aged,List,Sales,and
Statements, Vendor Reports: Purchase Orders,Pending Purchase
Orders,Purchase Transactions,Payment Transactions,Inventory Reports:
Inventory activity,Detail,list,Quantity,and Sales,Physical Inventory
Worksheet,Price List, Graphs,and more features for your Individual
Business Needs. This information is based on your needs not mass
produced from just a form however this information is from your own
Business information.

Grant Letters-I will prepare 10 Grant Request Letters that will contain all of
Your Personal Information even though that does not Guarantee Grant
Funding it will help you better Your Odds.

Grant Proposals/Writer- In order to receive Grant Funding Your Proposals
must stand out from Your Competitors!! I write Professional Grant Proposals
based on Your Individual Information not some massed produced Grant
Proposal used over and over again. Your Grant Proposal will reflect Your
Individuality as a Business and Person.

Business Plans- I will create Your Personal Business Plan tailored to Your
Business. The Strength's and Weaknesses of Your Company,Cash
Flow,Your Products, Tables,Charts,Sales Forecasts,Financial
Plan,Funding, Ownership Structure and these are a just few features in my
Proposals or Plans.

Internet Detective Smith- I will provide all of the services on my Detective
Magic.Com Page. I will gladly provide these services for a nominal fee. I
am not a Law Enforcer or a member of Law Enforcement I am just
providing a service in need today. I am an Internet Detective which
follows all the Laws of the USA as allowed by an Internet Detective
Service. These are the Laws recognized as the standards set as Law and
allowed by Law Enforcement in the USA for Internet Detectives
Nationwide. A Business Contract Will Discuss What Services Me As An
Internet Detective Can And Will Not Do According To The Laws Of The USA
For Internet Detectives.. Thanks For The Visit Raymond E Smith.

Services