A method and a system are provided to allocate a borrower’s monthly home loan repayments to a loan provider to an interest payment account and an equity accrual account; and, to further allocate to a retirement or education account a monthly amount of savings that is correlated to that portion of each monthly home loan repayment comprising interest on the loan. Each of the temples has a cavity sized to receive an audio device such as a BlueTooth transceiver configured to communicate wirelessly with a remote device like a cell phone or a digital sound device. The first hook has at least one dimensional feature which is smaller than a corresponding dimensional feature of the second hook. A single outer housing can be used with different inner housings adapted to accept various different connector form factors therein and permits the two mating inner housings to float longitudinally within the outer housing.