The Money Merge Account United First Financial

If you could cut $10,000 off your mortgage, what would you use the money for?

2008-08-15T10:38:00.000-07:00

If you could cut $10,000 off your mortgage, what would you use the money for?

That's the whole point of Let Your Mortgage Make You Rich!

We all know we should be investing more. We should be putting away $300 a month, or $500 a month, or $1000 a month - or more - depending upon our current age, desired age to retire and lifestyle goals.

But where does the average family get that kind of money?
Since your largest single payment each month is likely to your friendly lender, and since most of that money goes to interest (not to paying off the debt!), anything that helps you avoid those hefty interest payments is the same as money in your pocket.
Just a little while Your mortgage will be paid off one day. What if that day were within 5-8 years, instead of 20-30? Would you then be able to direct the amount of your current house payment to some investments that would serve you well during retirement?

Try this scenario on for size. Let's say you have a $150,000 balance with a $1000/month payment.

Whenever your home loan is paid off, you begin directing $1000/month to investments.
at 8% return for 20 years, compounding monthly, you'd have about $593,000
at 11% return,

$1000/month for 20 years is $874,000

If you were paying a larger house payment, for example $1750, your payments going to investments would create:

at 8% return for 20 years, compounding monthly, you'd have about $1,038,000

at 11% return, $1000/month for 20 years is $1,530,000

at 15% per year average, compounded monthly, $2,653,000

That's a lot of money! All accumulated because you paid what would have gone to a home mortgage into a sensible investment account instead.

Why not start today?
www.mortgagefreefinancial.net

Here's an interesting article we've found that we think will interest you

2008-08-15T10:35:00.000-07:00

Here's an interesting article we've found that we think will interest you:

"Not so long ago I was making $400 a week. I was drowning in debt.I was stressed. I was terrified to go to the mailbox every morning andsee the amount of bills I had received. The last months, I simply piledthem up in a closet, without even opening them, because I knew I just couldn't pay them anyway.

I NEEDED MONEY.
So I went online to find a way to make money.

It was easier than I thought it would be. ...

In weeks all my debts were paid.

I started making 1000's per week.

I wrote this 5-page article for you:

http://www.contactthem.ws/hit.php?s=6&p=2&w=120365&c=&aref=

You'll see it makes so much sense. It's easy to do.

You can start making money right away after these 5 pages.
It takes around 15 MINUTES A DAY, and that's it!
Down to earth, fair and honest material. It works.

The article: http://www.contactthem.ws/hit.php?s=6&p=2&w=120365&c=&aref=

The MMA SECRET

2008-08-05T09:19:00.000-07:00

The MMA "SECRET":

We know the 'secret', only because agents have refused to listen when drilled repeatedly on the same subject, I had a revelation and want to share it with you all.

Yes, we have tools, too many tools some might say, too many choices, too many things to distract us from what's important and what is actually going to make us successful in two ways as a client
and as agents of this company.

So what's the secret?

I had a call Thursday of last week from the Internet, and you could hear me burst out in laughter in my office.

So here is my story:

"This woman calls up, very polite, fast speaker---'Excuse me, uh--I was on your web site, looking at that mortgage accelerator program or system, and I was wondering--------how much does it cost?'"

I couldn't help myself--I started laughing so hard, I shocked the poor woman. 'What's so funny, I don't understand?' she asked me."We ended up talking for almost 45 minutes as I related to her that though her question was a common one, it still doesn't make any sense, until after you've run your personal numbers.

I told her that then and only then will you know for sure how much the program costs--or how much it will save.

"She was so stuck on trying to figure out how this "works", I started laughing again and asked her: 'Ma'am, do you know how to drive a car?''Yes, I do.''Do you know specifically how it works?'She paused. 'I'm not sure I understand what you mean?''I mean specifically that if you popped the hood, could you walk me through the mechanics and functions of the vehicle?'She realized where I was going and started to chuckle.'Uh, no. I couldn't do that Juan.

''But you still drive it, don't you. That's the point with this program--you don't need to know how it works perfectly to drive it, do you?

'No--no I guess I don't.''People think they want to know all the in's and out's, but here's the absolute bottom line: you will never know them. Period.'

Consider this as a cookie. I can give them out freely all day long, but none of us will ever get the actual recipe. Why would UFirst EVER give that away? They would slit their own throats as a business. So you can yell and scream and even walk away--but you'll be back when you see all those around you paying off their homes because they could embrace one simple point: it Works. and It's Guaranteed.

I will also make this point do your own research and quit listening to what everyone else says. Especially if they are not the ones paying your bills.

'She was so impressed that someone would spend so much time on the phone with her, answering her questions--she's getting the program and wants to come work with us.'

What was the key factor?

I discovered that having a conversation has increased the way people look at this program.

The sale was not the focus. The commission was not the focus. The client was the ONLY focus, by having a conversation.

A CONVERSATION.TALK, TALK, TALK!!!Now you know, ---and knowing is half the battle! Have a great week. Have a conversation!

Juan Tanon
407 319-3369
info@mortgagefreefinancial.net

http://www.mortgagefreefinancial.net/

2008-07-25T07:16:00.000-07:00

Have you ever thought about what you could do if you no longer had a mortgage payment?

With the Money Merge Account, we can show you how to pay off your mortgage in as little as one half to one third the time with little change to your current lifestyle.

The Money Merge Account works virtually like your standard checking or savings account, except that it has the ability to offset large portions of interest on your mortgage each time you deposit income into your account.

With the Money Merge Account, your money doesn't just sit in your checking or savings account waiting for you to pay expenses. Instead, it is actually being put to work every day it is in your account to significantly reduce interest on your mortgage.

Homeowners in different parts of Australia and Europe have been using this type of interest-saving concept for years.The Money Merge Account is a totally secure, 128-bit encrypted web-based system which allows you to monitor your account and interest savings 24 hours a day, seven days a week.

Once your program is activated, only you have access to your money through checks, debit cards, and ATM's. Again, the only person that ever has access to your money is you!

You will continue to deposit your income and pay expenses, except now you will be saving tiem and interest on your mortgage.This is a GREAT program for homeowners and persons looking to create an additional source of income.

Please take the time to visit the site below. If you are interested I can provide additional information.

You can get a free analysis to learn more about how the money merge account system can work for you....NO OBLIGATION

www.mortgagefreefinancial.net

want to add additional revenue to your household income?
check out this business-opportunity

The Money Merge Account What is it all about?

2008-07-22T06:31:00.000-07:00

United First Financial appeared as a company specialized in paying mortgages and other financial obligations. The company's agents present customers with an offer based on a solution thought out by a group of mortgage brokers from Utah.

They promise customers that they can pay their mortgages that should be paid in 30 years in 8 to 11 years without the need to pay more.A mortgage payment is not an easy task for anyone. Many people get to a difficult point in life when they are forced to sell their homes because they could not cover their debts. So, is this solution a really good one?

The United First Financial system is called Money Merge Account whose main role is similar to that of a standard checking or savings account. What makes it so special is a feature that grants the owner reductions of interest for the mortgage any time the owner puts money in the account.By using a software program, the Money Merge account calculates the best interest savings in the least amount of time, which is the main reason why this works.

Over time this program will calculate the best interest savings. It is much easier to let this done by the software sold by United First Financial. And your time is money, too.The method offered by United First Financial becomes more and more popular as homeowners are attracted by the idea of paying the mortgage at a fraction of the cost they were supposed to pay in the first place. Only in the spring of 2007, over one thousand accounts were opened with them and the company estimated a raise in the number of customers.The program sold by United First Financial can be used for other purposes, as well. It can serve as a great financial tool for families in need of better management for their finances. The software grants you the possibility to see the effects of your financial decisions and, as everything is done online, you see all these in a matter of seconds. This is a great way to lower your debts while you can manage to live the same life as before and taking care of your expenses.Even if it sounds to good to be true, the Money Merge Account, the product offered by the company called United First Financial, is not a scam. It is a software especially designed to calculate the best interest for your debts, so you can pay them in a short amount of time and at a lower rate. The cost of the software is $3,500.Costs and benefits must always be calculated, before making any purchase. These decisions are individual, some may find a way to get the best of a situation, while others may find it difficult to apply. The solution thought out by United First Financial is one that can get you good value for the dollars spent, so it is worth taking a look.

Now in order to really understand how this program works there are a few ways to look into it.
First with a FREE ANALYSIS you can also visit the website and read all the information provided. The analysis provided will be a written guarantee if you are to invest in this product. Follow the system you won't go broke in the process, it will allocate all your debts and guide you on how to make more educated decisions. In a nut shell the money merge account system is your next financial planner. You tell it what you owe and what you make and it will break the debt down and tell you how and when to pay your debts for maximum savings. Now you will always pay your bills as you always do. Except now you will be guided thru strategic algorithims in order to achieve the maximum savings on future interest payments....

www.mortgagefreefinancial.net

Visit our client testimonials where you can learn more. Or simply send us an email and we will send you some additional videos that can give you a more indepth understanding of this incredible program. Email us at juan@mortgagefreefinancial.net on the subject just type in more videos. We will email them to you with no obligation.

The question should not be should I invest in this tool? The questions should be does it work for me? And how much would it save me....

Money Merge Account Blog: certified agents

2008-07-22T06:15:00.000-07:00

Money Merge Account Blog: certified agents

Money merge account become an agent

Repaying your mortgage early with the money merge account

2008-07-22T06:00:00.000-07:00

When repaying a mortgage:

it's not the rate you pay that's most important. What matters most is the total amount of interest you pay over the term of your loan.

With the Money Merge Account system you use your line of credit, credit cards, savings and checking accounts, to reduce the balance owing on your primary mortgage, and you reposition your regular income and your unused “stagnant” money you normally leave sitting in your regular checking and/or savings account to reduce the balance owing on your mortgage. By repositioning your regular income and your unused “stagnant” money you normally leave sitting in your regular checking and/or savings account, you are able to reduce your mortgage balance as low as possible which can significantly reduce the interest that would normally be charged on the mortgage. This means more of your money goes towards your principal balance each month, helping you repay your mortgage years ahead of your standard mortgage schedule. The online software system and customer service provides crucial guidance as to the specific transfer amounts and timing that is needed to provide each individual homeowner with the best interest savings possible under this system. Optimum interest savings under this system is a delicate balance between your primary mortgage, your line of credit, your income, expenses, transfers, etc. If you transfer too much to your primary mortgage, it can cost you more interest on your line of credit, credit cards. If you transfer too little, it can cost you "lost" interest savings on your primary mortgage. This system helps homeowners to reduce both the interest and time owing on their existing mortgage by strategically positioning their money where it can provide much more financial benefit than "sitting stagnant" in a standard checking or savings account. Also, unspent "stagnant" money that homeowners would normally leave in their checking and/or savings account is now working for them 24 hours a day without requiring them to change their lifestyle.

When you need money for expenses, you can access it through your line of credit, credit cards. Vast financial features and details programmed into the Money Merge Account software help to better educate the homeowner and assist in the greatest time and interest savings possible under this system.

Learn more by visiting our website and following simple steps to get educated on the money merge account system from united first financial.

Visit www.mortgagefreefinancial.net
Click on the YELLOW blinking arrow then Follow STEPS 1 2 3. We can help you be mortgage and debt free in record time with the money merge account program.

Put us to the test get your FREE ANALYSIS

THIS WILL CHANGE YOUR LIFE FOREVER!! ...DON'T PUT THIS OFF.

2008-07-18T11:53:00.000-07:00

Let me tell you WHY I'm excited...

Dear Friend,

Please,...PLEASE take the time to research this information. If I could grab you by the shoulders and shake you to wake you up to your awful financial situation, I would.

I spend my full time with my best friends and brothers, traveling the country, speaking to groups and battling ignorance on the web TO SAVE FAMILIES FROM DEBT. You have the answer before you, but unless you act--you may find yourself in a literal financial hell you won't escape unscathed.

Why should that be any different with our homes?

I mean, when I place my paychecks into the Bank, or deposit money from my sales. I never actually believed that my money SAT there. I knew very well that the Banks were using my money to their own benefit, while I sat and watched. I mean, your checking account is just a collection account, until you spend it on bills and the like,...right?

Well, I had a friend tell me about this Money Merge Account Program, and, as a friend, I went to investigate more...with the intent to help my Uncle, rather than myself.

The result?

Without changing my spending habits, without altering my monthly cash flow,and without refinancing my home, I am paying off my 28 year mortgage in 10 years and saving $160,000.00 in interest to the Bank!

Now, not to sound rude to any of you...but with a program that allows you to continue to live as we live, and get our homes paid off in record time...why WOULDN'T you do this? Ignorance is no longer an excuse...and neither is laziness.

We have the tools for you to get you out of debt....and you're a fool if you don't at least look into this further.

Take the time, learn, get your numbers run to see what the Money Merge Account could do for you...and make an educated decision for your future!...ask yourself: "What would your life be like if you didn't have debt?"

Give us a call or get your FREE ANALYSIS

Juan
407 319-3369
juan@mortgagefreefinancial.net

money merge account system

2008-07-18T11:41:00.000-07:00

Here's your answer to debt worries...

You're searching on the web, looking for more information on The Money Merge Account Program. You want to do your research, to make sure you get the correct information. The fact is, there is a great deal being said on this subject, and most posts/message boards have two distinct sides.

That is why you need to review the mortgagefreefinancial website. We are your #1 Independent Online Resource for Researching and Purchasing The Money Merge Account Program. Our website content is 100% approved by the creators of The Money Merge Account Program: United First Financial.
We are an International Organization of families and professionals, which are clients of The Money Merge Account Program. Our families use and benefit from this Program every day. We understand the financial benefit as well as the psychological advantages of being out of debt (in all it's forms).

We want to share our experience with you and what it's doing for us personally, and then provide you with all the information and resources we have available.

Why?
Because that way, you can make an educated decision and do what's right for YOU.

We are here to show you how to save money and a great deal more. How about eliminate debt while building substantial wealth AT THE SAME TIME?

If you are a home owner, we feel this is the single, most important information you will ever see.

We know, because this very program is helping Juan Tanon pay off his 28 year mortgage in only 10 years and save over $160,000 in interest to the Bank. Now with VERSION 4.0 you don't even HAVE to have a mortgage! Including an "EXPRESS" (or 'light') version, we can help college students, renters or anyone who wants to improve their financial situation in life!!

You already took the risk, when you got the mortgage on your own. Our job is to reduce that risk...for you, and your family.

Take your time, read the basic information we have posted. However, when you decide to gain a deeper understanding about the workings of this revolutionary Program, visit us at mortgagefreefinancial Our main site contains in-depth information on this program, unavailable anywhere else...including the United First Financial Corporate site. So take advantage of this knowledge and eductae yourself!

THERE ARE MANY THINGS TO INVEST YOUR TIME IN.

...YOUR DEBT SHOULDN'T BE ONE OF THEM...

Check us out on the web
www.mortgagefreefinancial.net

juan
407 319-3369
juan@mortgagefreefinancial.net

money merge account version 4 information

2008-07-15T10:52:00.000-07:00

Dedicated to families and providing solutions to debt and wealth creation, We traveled to Atlanta, Georgia, where United First Financial unveiled the evolution of the Money Merge Account™ program and the solution to American Debt.
One of the most controversial debt reduction programs on the market today, the Money Merge Account™ program has proven its value and consistent results for homeowners, despite sour views and speculation from traditional mortgage/financial professionals still waiting for a hopeless revival of the housing market. Thousands of families continue to investigate and purchase the Money Merge Account™ program, despite the bantering of Nay-Sayers-dramatically improving their financial situations and in many cases paying off all their debt in record time, including their mortgage.
“It’s almost humorous when traditionalists shout ‘Scam! Scam!’”

“They want to convince others that it doesn’t work-pitting their views, which are speculation at best, against those of us who own the program and benefit from it! It’s nuts, really. I just came from an actual ‘mortgage burning’ party, for clients who are 100% debt free due to using this program. Yet their neighbors want to convince them it doesn’t work. Unbelievable.”
An emotion many UFirst agents feel when trying to help families who simply won’t listen.

“All you can really do is try to wake people up. ” I’ve heard Glenn Beck and Martin Victor Hansen talk about UFirst and the Money Merge Account™, and they not only praise the program, they praise the efforts of the entrepreneur force striving to promote it. This country is asleep, and those who don’t financially wake up and turn their lives around are going to find themselves in a literal hell they can’t escape.

The Money Merge Account™ changes everything and brings people hope where there is none.”
The first International Convention for United First Financial unveiled the newest version of the Money Merge Account™, v4.0.

With all the power of v3.0, this new system boasts the ability to work with a savings and checking account, for those who could not qualify for a Home Equity Line of Credit. Using ‘factorial math’, the new version squelches the challenge of ‘I can do this on my own’.
“Unless you’re going to stand there and tell me you can make over 3 million calculations each time you decide to spend a dollar, it’s just not possible to do this on your own.”

“That’s just with a mortgage and 10 other debts/creditors. What makes matters worse, is if you’re wrong, it could cost you thousands-up to hundreds of thousands of dollars in interest! That’s huge. The new version takes every variable into account, making what we believe to be the most powerful and dynamic financial tool America has ever seen.”
One of the original challenges UFirst faced, was a lack of available technology. The vision was simply too large and too complex, though the intent was worth it’s weight in gold. Version 4.0 was allowed to ‘evolve’ to it’s rightful level of sophistication, which John Washenko, Co-Founder of United First Financial, called “the original starting point”. During a private viewing in June 2008, Mr. Washenko described the original vision to our team and nearly 80 other key UFirst leaders, which transformed their already passionate views.

“We now have a financial services company that helps people stream line their finances in eliminating ALL debt and creating wealth at the SAME time.”

“This is also my 10 second introduction I use for people who ask me what I do. I then end with:

‘Would you like to see if you qualify for this service?’”

“I am so excited about the direction that this company is headed. I can now see and show the lost opportunity cost for those who would rather invest ALL their money instead of paying off their debt. We are not getting debt free first then investing but we are able to accomplish this SIMULTANEOUSLY!” he smiles, then bounces on his heels with energy and excitement.
“This program is NOT just about paying off your house in record time. This is an educational process showing you exactly how your money works, when to pay down debt and which ones to pay first-when to invest, and when to make purchases. Not only when, but exactly how much to move and invest.”

The word leaked out through UFirst leaders even during the International Convention, as if reporting a blow by blow fight, across the internet to more than 80,000 independent agents who sell the Money Merge Account™ throughout America and Canada. A passionate group which Glenn Beck called “Entrepreneurs” and “the right people, with the right product at the right time” in his live address to 5000+ UFirst agents.

v3.0 can still be used and those on it can upgrade if they so choose, to v4.0.
v4.0 uses ‘Factorial math’. Someone with a mortgage and only 10 debts will have 3.6 million ways to pay off that debt. No, you can no longer do this on your own.
Organization of funds transfer: will tell you what to pay off, when and in what order to achieve what you want!

Almost anyone will qualify now. No equity—no problem. No appraisal–No problem. No credit check–No problem. No line of credit–No problem.
v4.0 works with a HELOC, ALOC, Credit Card, Savings & Checking account. Yes, we said SAVINGS AND CHECKING!
Introducing a ‘renters’ version (or a “Express” version), for only $1,795.00.
Those who start on the Express version, can upgrade at any time by simply paying the difference.
UFirst will also finance the Money Merge Account™ now–both the full version and the EXPRESS version.

Full version is $2000 down + $75/mo. for 24 months.

EXPRESS is $995.00 down + 75/mo. for 12 months.

UFirst now has an optimizer package: a way to control all the variables, as well as special unique functions with your Money Merge Account™. (The optimizer is an additional $24.95/mo)
Semi Auto Pay: The Money Merge Account™ tells you (text message to your phone) when bills are due and asks if you want the program to pay them through an automated system. 1 for yes, 2 for no.
Auto Pay: The Money Merge Account™ can now move money for you as you direct it and then tell you when it’s been done.
Money Pathing: Dictate where the money will be taken from, set the paths and walk away.
Folders: Create your own folders for the program, such as savings, vacation, groceries, college funds, etc., and then assign what amounts get sent there.
Text Interaction: Ask the Money Merge Account™ information and have it respond to you instantly, such as how much money you have in a particular folder, or perhaps ask a true cost question and get it in front of your husband before he buys the BBQ Grill, or before the wife buys that 25th set of shoes.

BEST TIME TO BUY feature. Know when the best time is to buy ANYTHING, to save the most interest. The Money Merge Account™ will tell you your personal optimal point when to make the purchase, balancing out all your financial variables with what you’re already paying off.
Start and stop dates. Income, payments, you name it, all for perfect accuracy—just fill in and forget.

Multiple reports for every aspect of your needs/taxes.
Faster load time: it’s now an application, not a web based program.

Supports ANY platform:
Works with Windows.
Works with Mac.
Works with iPhone.
Can now show the POSITIVE affect of using your savings or cash flow, –savings, 401K, money market, etc.–with the ability to create an analysis a full year out, or two if you need to! Clients want to know what a decision would do? SHOW THEM.
“DOT” releases: Instead of new versions (5.0, 6.0) which come out after substantial periods of time, UFirst will now create “dot” releases instead (4.1, 4.2, etc.) a handful of which will be initiated and live before Christmas this year (2008).
BEST OF ALL: Pay off ALL debts—and CREATE SAVINGS—AT THE SAME TIME!!!
“The financial profession will never be the same.”

“The value of this program and what it can do for everyone who uses it with force professionals to offer the Money Merge Account™ program, or be left behind without a clue or client.”
“Make no mistake,” he says with conviction, “this program is here to stay and those who don’t support it will eventually be ignored altogether.”
For more information about the Money Merge Account™, visit www.mortgagefreefinancial.net , or call Us directly: 1-407-319-3369 or info@mortgagefreefinancial.net

Looking forward to helping many more american families become debt free......

Want to earn additional income? We got the best opportunity available to those who are trainable and ready to make a life changing decision to help others become debt free. join our team and we will mentor you to the top.

Juan
407 319-3369
juan@mortgagefreefinancial.net

www.mortgagefreefinancial.net/career-opportunity.html

certified agents

2008-07-15T10:49:00.000-07:00

Certified agents are experiencing a phenomenal amount of success throughout different industries. This is an extremely exciting time and in addition to being part of a special product and company you will be helping others reach their financial goals as well.

The Money Merge Account can be offered in conjunction with your current employer and profession. If you are ready to get certified or if you would like any additional questions answered a representative will get back to you shortly.

Send us an email to
info@mortgagefreefinancial.net

Juan
407 319-3369

www.mortgagefreefinancial.net

money merge account

2008-07-15T10:40:00.000-07:00

Typical Situation: Money Merge Account

Suppose you have a mortgage where you owe $250,000 and plan to pay it off over 30 years. If you were now 35 years old, you would pay off your mortgage just about the time you retire. This is represented with the blue area in the graph above.

Using a Mortgage Checking Account

Now suppose you make $6,000 each month. A typical person would deposit their paycheck in a checking account that earns 0% interest.

With the money merge account, you would deposit your entire $6,000 paycheck into your Mortgage Checking Account. This allows your money to work against your mortgage by reducing the balance you pay interest on to $244,000.As monthly expenses occur, money is paid back out of the account and the balance at the end of the month is near $250,000 again.

However, in the meantime, you saved money on the daily calculated interest of the mortgage.Over the life of the mortgage, this can save a substantial amount of interest. This is represented with the red area in the graph.

Impact on Retirement

We can then help you build for retirment often times leaving you with a retirment worth well more than the value of your home all within the same 30 years that it otherwise would have taken you to pay off your home.

If you are already saving for retirement, you would have that much more to retire on, or you could retire that much earlier.

Learn More Today!

Visit us on the web at www.mortgagefreefinancial.net and view our full detail demos. Get your free analysis

Visit us on the web www.mortgagefreefinancial.net

Want to become an agent learn more at www.mortgagefreefinancial.net/career-opportunity.html

How To Attract Endless New Distributors And Customers To You

2008-07-14T05:52:00.000-07:00

How To Attract Endless New Distributors And Customers To You

The Real Reason People Quit...

On the surface this may seem like a very simple question that could be answered by a few of the typical/obvious answers:

They quit.
They didn't plug in.
They didn't participate.

Whatever...What you want to ask yourself, or maybe even know about yourself, is WHY...WHY didn't they follow through, while others do?

When I finally learned the answer to this question, it was quite sobering...Not only did the reason behind their results come into the open, but the reason for my recent spat of success became apparent as well.

So what's the answer?

Why do most people fail when a select few succeed?

Those who do succeed have a Core Desire to do so.Those who don't share that same Core level of desire will not.

"Desire... Yeah I've already heard that 100 times from my up line: 'Just look for people with desire and you'll do great...

Everyone I talk to has the desire to make more money. It hasn't made any difference so far."And you're right.

The difference is in their level of desire. The only time anything ever gets done in your life - When you follow it through to completion with a sense of urgency, is when you desire to accomplish that task at Core Level of 100 on a scale of 100.

You must accomplish it. It's a part of you. It consumes you. It dominates your thoughts above and beyond anything else each day and all day.These are Core desires, and the people who achieve notable success in marketing, have that accomplishment as a core desire.

They are the ones you see on stage and hear on the training calls. That's it.

That's the secret.If attaining your goal, whether it be to pay off your credit cards, buy a house, save for retirement, or fire your boss, is not a core desire, and not attached to your networking business, you will not succeed. Period.

The sad truth, is that most people in this industry did not buy a business, they bought hope. And hope is never backed by true desire. Hope is for the undecided.

A career in network marketing, sales (i.e. a boss free life), has been a core desire of mine for the last 10 years.I've moved across the country because of it. I've taken certain jobs because of it. I've dated or not dated because of it. I spent money on training instead of furniture because of it.

The desire to never work for anyone else again has been a dominating force in my life, and it's the reason I didn't quit after the first 9 years of hell. It's the reason I continued to pour every spare cent I ever made into my business. It's the reason I felt the truth in the statement the harder I work the luckier I get.

Yet I kept going forward without doubt because I have this core desire at a level of 100 to succeed in my own business.And this means my success was 100% guaranteed. It was no longer a matter of IF, but when...So that's one of the reasons why people quit.

Don't get frustrated. 80% of people who join you will never sponsor more than 1 rep or customer. Most people simple don't have the desire at a level of 100 to accomplish their goals through their new business. They just bought hope in order to quiet that little voice inside them that keeps nagging them to make a change.

Once they buy the business, and they don't make $1,000 in 5 days, they can then justify their fear of change with the "logic" that it just "didn't work", and that they knew it was a scam to begin with... This is especially true with opportunity seekers, which is why I don't waste my money on leads and why you shouldn't either.

Ha.So sad, yet so true. People are funny aren't they?

So my question to you is...

What is your desire level to achieve your goal through marketing your self and your product?

Is it at 50? (like most people)
Is it at 80? (not enough)
Is it at 90? (not enough)

Or is it at 100? (The only number that WILL produce results).

You should be able to tell pretty quickly...

What do you do each day to build your business?

How many books on the industry do you own?

How many conference calls are you on each week?

How many people do you talk to about your business/product each day?

What would you be willing to give and sacrifice to succeed?

I hope the answer to that questions is "whatever it takes", because I can promise you the end result is worth the sacrifice.

So how can you tell if your prospect is going to succeed or fail from the very first phone call?

Easy...

Ask them this question: "So which books are you currently reading on self-development and marketing?"

Anyone who is TRULY serious about being a successful entrepreneur will be able to name at least one book they are reading right now.

Those who can't, are just kidding themselves.

So here's a quick test you...
My suggestion is that you change your mindset today and get involved. Take responsibility for your personal success and set aside the excuses that have kept you in that JOB for so many years. Start increasing your value to the world by increasing your knowledge and abilities.

Only then will the world be willing to pay you back with freedom and wealth.

The Opportunity is here right now..
Take the challenge to first explore within your mind how important success is to you. Take time
To talk about your desires with your loved ones and make an agreement that you will do what it takes to make it all happen.

We have gone the extra mile to train individuals but we need YOU to be willing to make a change. Never mind what they say if you struggle with temporary defeat keep on keeping on and you will see an abundance of prosperity flow into your life.

If you are seriously committed we will train and mentor you! Remember the race is not over when you stumble, the race is over when you win…

www.mortgagefreefinancial.net/career-opportunity.html

Come shine with the best!!
Live with Passion
Juan
407 319-3369

money merge account agent information

2008-07-09T10:28:00.000-07:00

Great business opportunity:

We provide a great business opportunity with the potential to make money. You have the opportunity to add additional agents to create a small business.
Outstanding compensation plan: We have a Progressive Compensation package that will reward you generously for every sale you make. Our compensation rewards the Entrepreneur and the hard working business person. Contact me to receive additional information on our compensation package. The amount of money you make will be up to the effort you put into the business.

Set your own hours:

You are your own boss. You set your hours. This is a great way for "Stay at Home" parent to make some additional money. This is also a great way to make money as a second job. But, you will find out that you will want to quit your first job. This is your business, you set your hours. Work from home: You set your own office. This means you can work from home or on the beach in Hawaii. Your hard work will determine how much you can make. You will be your own boss and the owner of your own business. There are no quotas. This is a great opportunity for "work at home moms." Again the amount of money you will make will be up to the effort you put into your business. The choice is yours with The Money Merge Account you can be debt free while helping others achieve the same..

Nationwide Referrals:

Our team is advertising Nationwide. This means, more potential customers for you. We are receiving calls from every state in the country. Don't miss this opportunity.

Nationwide Team:

We are building a nationwide team. Be the first agent in your area. We are being contacted by potential agents in every state. Now is the time to join our team in our goal to for homeowners to become mortgage free. Now is the time to start your business.

Weekly "Webinars":

Weekly Webinars are a great way to reach potential customers. These webinars are given multiple times a week.

Local and National Seminars:

Our team provides local seminars for agents and for potential customers. Seminars are a great opportunity to reach out to your potential customers. Just direct them to the seminar and half the work is over. Seminars for agents are a good source of education. Got a group of potential clients, contact us, we will come to you to give a seminar in your area.

Your own website:

You will receive your own free website, similar to http://u1stfinancial.net/giftoflife. For additional cost, we can add many other features to give you the presence of a professional business owner. We can provide you with your own website page. The page will be http://mortgagefreefinancial.net/ You can use your own website to advertise to customers. We can even customize it to fit your needs. If you already have your own domain, we can use that and modify it to meet your needs.

Your own email address:

If you decide to join our team, you can receive your own email address for an additional cost. Your email address will be your name @mortgagefreefinancial.net . This will give you instant credibility unlike using a hotmail or yahoo email address. Your own email address will give you the presence of a professional business owner with very little cost to you.

Incredible support:

Our team has grown tremendously. We have a team of people that will help you every step of the way. We will travel to you to start you on your way to making money. We also have a lot of information to help you on the internet. Don't wait any longer. This is a tremendous opportunity to earn a lot of money. Our Money Merge Account is starting to sweep the country. We are looking for agents in all 50 states, and Canada. Don't miss this incredible business opportunity.

Now the choice is yours become an agent TODAY!!!

Want to see how great this opportunity is GET YOUR FREE ANALYSIS so that you too can experience the power of the MONEY MERGE ACCOUNT

Contact us today 407 319-3369

visit our website at www.mortgagefreefinancial.net/career-opportunity.html

Interested in knowing how this system can help you with your finances??

Visit us at http://www.mortgagefreefinancial.net/
Click on the yellow arrow follow steps 1 2 3 and then visit the client testimonials page.

Check out the best thing since the electric lamp... TODAY

2008-07-03T10:27:00.000-07:00

Once You Know How To Eliminate All Your Debt - You NEVER Have To Worry About Money Again...EVER!

Now The Money Merge Account System™ Can HELP YOU Become Financially Free. An earn additional income by helping others do the same......

If you want to succeed in any business you need a solid and reputable company to work with!
You need TRAINING
We have trained hundreds to become leaders with this innovative tool.

There is no better time to be in this business:

Fact: This year, over 2 Million kids will be homeless because of foreclosures.

Fact: More people will go into bankruptcy than graduate from college.

Fact: The US has 6.3 Trillion in Consumer Credit Card Debt. More than the
World combined

Imagine what you could do with a few hundred or thousands of dollars a month, on top of your current income. Would you take more than one vacation a year? Would you set your own hours? Would your spouse be able to let go of their second job? United First Financial can help you turn those dreams into reality!

Your partner in success...

United First Financial offers online training, webinars and seminars to bring you up to speed on the company and the Money Merge Account® system quickly. Each Individual Agent is encouraged to build and lead their own team. United First Financial builds leaders who help consumers create the lifestyle and freedom most people only dream of.

The time is now.

U1st Financial offers you all the tools you need on the road to success and beyond. Now it's time for you to act on your financial goals by contacting the person or business who invited you to this website.

Currently, The Mortgage Free Financial and United First Financial is interested in training and working with hard working professionals. We are moving fast and have a proven training method for helping our agents become Branch Managers within 90 days selling the Money Merge Account.

To get your Money Merge Account business exploding with growth in 2008 with the Mortgage Free Financial and United First Financial, simply fill out the quick form below.
There is a one-time fee of $175.00. This money does not go to us. It goes straight to the corporate office at United First Financial. Once you've completed your enrollment by clicking on the register logo below, you will be emailed your reseller ID number and password (within minutes) for the back office to begin your training online today.

If you have any questions or concerns, simply call us at the number below before signing up.

407 319-3369

To become a reseller RIGHT NOW and begin your training today!

CLICK HERE

Attention Mortgage Brokers, REALTORS® and Financial Planners and All other Hard Working Individuals Who Are Interested in Selling the Money Merge Account:

If you’re interested in helping people by selling the Money Merge Account to others, we commend you.

If you automatically understand that Money Merge Account gives you an amazing opportunity to better serve your our fellow American Homeowners and dramatically increase your income, then this is probably the opportunity you've been looking for.

There is nothing more rewarding than to see the joy of a family when they start experiencing TRUE financial freedom and prosperity by using the Money Merge Account! Nothing compares to the feeling of being out of debt, and knowing you are financially FREE. The Money Merge Account Program can provide that experience for you and your clients.

However, selling this program takes work, dedication and ongoing training. This is NOT a "get-rich-quick" thing. This isn't 'juice' or 'vitamins' folks. It's a real opportunity, and takes hard work and study. We expect professionalism and dedication from our Team members. Currently, we have some United First Financial resellers making 6 figure incomes "PER MONTH" (Yes, you read correctly!).

CLICK HERE

Visit us on the web at www.mortgagefreefinancial.net

WHO TOLD YOU THAT

2008-07-01T11:22:00.000-07:00

WHO TOLD YOU THAT?

Sometimes we the people tend to be influenced by other people! Have you ever been influenced by someone else? or their opinion? We all have in one way or another! Just this past Sunday at Church our World renoun Pastor, Preached the message titled "WHO TOLD YOU THAT". We are influenced by the opinions or the way others think about a things. It's a reality that if you turn the TV on you can feed your mind to all the negative things that are always being talked about. At work you got the MOTTO mouth always got an issue! You know who that is.. Nothing but complain everyday all day everything bothers this person. Then you sit around wondering why people are so negative?

The answer is simple you are a product of your environment GOD gave you two feet, two legs, two arms, two hands, two ears, two eyes, one mouth and two sides to your brain. What ever you CHOOSE to believe is what you will become. If you are always seeking gossip and drama you will always find it.

But when you choose to start renewing your minds you will have a vision that will bring forth any manisfestation which your heart desires....

We are constantly feeding our minds with JUNK and JUNK is what we get! Isn't this crazy?

We have realtors running around with their heads up their ***** and don't even have a clue! Well they say the news said it's bad out there. Business isn't bad out there it's your mind....If you choose to believe what people say you might as well drop out of the race cause the ones telling you it's not good already did. But we have to be realist "Oh yes" But not with the he said she said attitude... I challenge you all reading this to think positive all day and let me know if it worked. By the way it takes time and conditioning to try being positive most of the time... So don't let anyone else make you believe something unless you have researched it and found out the true facts. Because there are real estate agents making a killer while most sit and complain.

I say all this because I have had hundreds of realtors and brokers tell me that my business is a complete SCAM it doesn't work, it will never work. I swallowed those words but believed in my heart that they didn't know the whole picture. Today some of those brokers have closed down their respected businesses. "They have what I call negative conditioning awareness" When someone shows them a better way they automatically assume they know the answer. They listened to the influence and began to believe they were next and that's what they became.. It is so sad to see how we are controlled by negative influences.....

Fact: This year, over 2 Million kids will be homeless because of foreclosures.

Fact: More people will go into bankruptcy than graduate from college.

Fact: The US has 6.3 Trillion in Consumer Credit Card Debt. More than the whole world combined.

UFirst won the Ernst Young "Entrepreneur of the Year Award"...This is huge. This is the company who cut the checks to Miss America and Companies like American Idol. But then there are people who listen to others and say that we are a scam. Well no more.

In order to qualify for version 4 you need these 4 qualifications.

1. A Checking Account
2. A Savings Account
3. Income needs to be at least the same amount that you spend.
4. A pulse.

We are not magic though. If you make $5k and spend $8k, then work this business.

No More Credit Cards needed.
No More Good Credit needed.
No More Lines of Credit needed.
No Competition.
No debt needed.
No Mortgage needed.
No More Excuses.

Make the choice to help people who can really use this program to get them out of trouble. "YOU GOT THE POWER" "THE CHOICE IS YOURS" Remember "WHO TOLD YOU THAT"

So it really is TOO GOOD but IT"S TRUE this is the REAL DEAL.

May GOD bless you all
Juan Tanon
407 319-3369
http://www.mortgagefreefinancial.net/
JOIN OUR TEAM IF YOUR HEART DESIRES TO REALLY HELP PEOPLE.
www.mortgagefreefinancial.net/career-opportunity.html

watch your concerns melt away!

2008-06-30T06:30:00.000-07:00

Hello:

No beating around the bush - let's get this started, and introduce the single biggest financial problem facing America, our people, and almost certainly...YOU.

Virtually everyone in our country is buried in debt, living paycheck to paycheck, trying to figure our if and how they'll ever be able to quit working their tails off, and/or struggling to create the life they want and deserve. We know that all of this has everything to do with your finances, and the lies you've been conditioned to believe.

That's right - you have literally been trained to be a financial slave. Well I'm here to uncover the truth for you.

No hype, no get-rich-quick schemes - just truth. You'll be out of debt and speeding towards financial freedom faster than you ever imagined..using just your existing income.

The solution to your financial issues is simple, you'll be very surprised if you find out how to get it.

Your New Life Can Start NOW! and Best of all the information we provide is absolutely FREE

www.mortgagefreefinancial.net

To click, or not to click..It's you life, so it's all up to you to make the call.

If you want to be educated on a better much faster way to eliminate your debt! Could you really afford not to know? This very moment can be life changing for the rest of your life. Yeah..It's that important. There is no information to buy! No Books, No CD's, No Downloads.

This is the newest and best way to grab hold of your financial security....Make the right choice! To Your Financial Success! Juan Tanon 407 319-3369 www.mortgagefreefinancial.net

Looking to earn additional income? Contact us

To your succes
Juan Tanon
407 319-3369
info@mortgagefreefinancial.net

Pay your mortgage and debt

2008-06-25T09:07:00.000-07:00

THE SOLUTION TO PAYING OFF YOUR MORTGAGE AND DEBT IN RECORD TIME!

First, those who are on the receiving end of "compound interest" get rich (really, really rich)...
and those who habitually pay interest become financial slaves. Which one are you?Now, if you're like most people... you're one of the ones paying the interest.
Here we will outline the solution...

My name is Juan Tanon and I'm not here to convince you that I'm some kind of "financial guru" to get you to buy some expensive program... but more of a "whistle blower". I'm here to "pull back the curtain" so you can see the truth behind your debt and how everything that you've been taught about money has been designed to keep you in financial bondage.
I'm not talking about the kind of financial bondage where you live in a cardboard box under the overpass somewhere... I'm talking about the kind of poverty where you make a great living and you've been convinced that buying everything on credit, and then spending a huge portion of your income on interest every month, is a good idea. This is simply being "Broke at a Higher Level".I'm here to show you how to turn debt into wealth
Ordinary people working ordinary jobs DO reach financial freedom "all the time" and YOU can too!
You can pay off ALL your debts, and get your money working for you at a level that will replace your current income...
without begging for a raise, getting a second job, winning the lottery, or living like a caveman.

You can be completely debt free (including your mortgage) in just 8 to 11 years.

Your debts already contain the secrets to paying themselves off and launching you into financial freedom.

You can identify the EXACT date you will be completely debt free.

Can you Really Afford Not to Find Out?

Click Here to find out the TRUTH and how to BECOME financially INDEPENDENT

Why do lazy people constantly complain

2008-06-25T06:46:00.000-07:00

Take a moment to look around you. There's literally
millions and millions of people out there wanting to "do
this" and "do that", but at the end of the day what is it
they actually accomplished? Unfortunately, for about
98% of them it wasn't much. Why is it that the vast
majority of people who start a home based business fail?
And fail miserably.

There's 2 primary reasons this takes place:

1. Absolute laziness. All joking aside here. This is a
very serious topic. Let's face it, the vast majority
of home business owners are flat out lazy. Yes, they
have schedules, business cards, more fliers and brochures
than the President of the United States has staff, but they
still can't seem to get anything done. They have all these
turbo charged, hands off marketing goodies, but at the
end of the day, NOTHING productive was accomplished.

Look at some of the most famous marketers of our time:

Dan Kennedy
Joe Sugarman
Robert Kiyosaki
Yanik Silver
Mark Joyner

This list could go on for quite some time. The important
thing here is that these marketers had a vision...a game plan
and they followed through with it. Yes, there were days
they didn't feel good or days they just didn't feel like
doing anything productive - They Still Got It Done.

With the proper attitude and a strong enough reason "Why"
you too can Get It Done. There's absolutely nothing holding
you back from the success you desire. It takes a 'plan of attack',
an "I can do anything" attitude, a reason "why" and an internal
drive that NEVER gives up.

2. Many people honestly don't know what to do.
Or even how to do it. A lot of people have some sort of
"business plan" or plan of attack, but they just don't know
what those steps consist of. Are you struggling with recruiting
people into your business, building your downline, selling your
next investment property. Don't feel bad. A lot of people
are in your exact shoes. They're honestly not sure what to
do and how to make it happen. All the tools and widgets
they've purchased over the years promising the world haven't
exactly 'panned out'.

If you're falling into this category - there's a few things that
must be done as quickly as you can:

1. Define who your target audience:

Target exactly who is your ideal target market.

2. Outline the benefits of your product and service. In other
words, if I were a customer of yours, what can I expect as a result
of using this product for a few months. Write out a list of
product benefits that's at least 10-15 items deep.
...what does it do for me? This phase is important
because it must be mastered prior to using some of the advanced
techniques which we will share with you.

3. We will show you all the easy steps we use to generate clients.
One to one mentoring and live webinars.
Visit us at www.mortgagefreefinancial.net if you feel this product
can change lives we can help you develop your business with great
coaching....

Growing a business and creating a 5 figure monthly income (or more)
for yourself takes work. A lot of it. It takes a vision. Most
importantly, It takes a passion for helping others and seeing a
change in others as a result of something that you shared with them.
That's what drives most successful people. It all boils down to
changing lives. How many lives are you going to change this week...
this month?

Always remember:

Success is a journey - not a destination.

Success is not defined by the depth of your wallet. It has
absolutely nothing to do with that. It has to do with one simple thing...

"How many lives have you positively impacted?"

Everything else will come into play if you're allowing that one single
item to be your driving force. The new house, the nice cars, that new
Rolex you've been drooling over...

All of it. But it takes work. Be consistent. Stay driven. Most importantly -
Never stop helping others achieve what they're looking for. That's it.
By doing this and focusing on taking things one step at a time you will
make it happen. That's our personal commitment to you.

Dedicated to your success...

Juan Tanon
407 319-3369
info@mortgagefreefinancial.net

www.mortgagefreefinancial.net

Want a home based business with a potential six figure income? money merge agents are making just that....

2008-06-23T18:11:00.001-07:00

ATTENTION MORTGAGE BROKERS!

Earn a HUGE Income showing your Existing Clients how to pay-off their home mortgages in 8-10 years or less! With the recent introduction of our NEW and proven banking method, it is now possible to earn a great income by calling on everyone you have written a loan for in the past five (5) years. New and existing clients can now be mortgage and debt free with a little help from their friendly MORTGAGE BROKER!

Money Merge Account (MMA) is a powerful program designed to dramatically reduce interest without the need to increase your monthly mortgage payment, alter your current standard of living, or refinance. Homeowners can now effectively pay off a 30 year mortgage in 8-10 years. Money Merge Account is a proven method of Paying off your Mortgage early while building Financial Security.

For More Information Call:
407 319-3369
Independent Agent #866305

www.mortgagefreefinancial.net

business opportunity

2008-06-23T08:15:00.001-07:00

Become a United First Financial Agent and offer the Money Merge Account to your clients, family and/or friends. The Money Merge Account will help them payoff their mortgage and debts faster and easier than any other program available. This is one of the best mortgage acceleration program in the market today.

Just click on New Agent Registration in the menu on the top right and sign-up. www.mortgagefreefinancial.net
Use existing banking tools to pay off your mortgage in a fraction of the time.

No refinancing of existing mortgage necessary.

We don't pull your credit or ask for your SS#.

Potentially save thousands in interest with little to no change in lifestyle
The MMA™ System brings effective interest rate below 3% fixed for most clients.
Get your Money Merge Account System Analysis - FREE today!

Call Juan 407 319-3369
info@mortgagefreefinancial.net

www.mortgagefreefinancial.net

say good bye to your mortgage and debt FAST with the money merge account

2008-06-23T05:48:00.000-07:00

How to Say “Goodbye!” To Your Mortgage

…without refinancing your existing mortgage
…with little or no change to your lifestyle
…without altering your monthly spending budget

Imagine Life without a Mortgage
Would life be different for you if you didn’t have a mortgage payment? Have you
ever imagined owning your home FREE and CLEAR but didn’t think it was
possible? Now with the Money Merge Account™ program, it is possible; and
thousands of American homeowners are beginning to realize their dream of
home ownership – and now, you can too.

With this innovative new program, the average Money Merge Account customer
will pay off their 30 year mortgage in as little as 1/3 to 1/2 the time and potentially
save thousands of dollars in interest charges they’ll never have to pay the bank.
Sound too good to be true? Read on to see how this program works.

Money Works…But For Whom?
We all know that money is always working; it never takes a break. The question is, who is your money working for? I’ve heard it said that those who understand interest earn it, and those who don’t, pay it. On which side of this “interest coin” are you? Consider the following example. With a $200,000 mortgage at 6% interest, if you kept the loan for the full 30 years (and this is a “best-case” scenario), you would pay back a total of $431,677. That includes a whopping $231,677 in interest charges alone. Does it make sense to pay double for anything…especially for your largest expense? Would you pay double for your car, clothes, or television? Then why do we accept this when it comes to paying for our home? We have been convinced that this is completely normal and probably the only way.

Well there is a better way… a much better way. Yes, you could pay extra money
toward your principal balance now and then, but there are two major drawbacks
to this method. One, the average American homeowner does not have
thousands of dollars left over to pay extra to their mortgage every year. Two,
what happens if you do make an extra payment and you need that money back?
Or worse yet, what happens if you pay extra one month, and don’t have enough
the next month to make your payment? Do you think the bank will forgive you for
this month because you have paid extra in the past? I don’t think so! In our example above, it is clear to see that money is working for the bank. This is how they can pay you 1-2% on your checking or savings account, and loan it right back to you and all your friends at 6%. By the way, you only pay 6% if you keep the loan for the entire 30 year period. Most of that payment you make every month goes toward interest, and the average life of a mortgage in the
US is only about 5 years. This means you are paying a lot more than 6%, 7%, or even 8% interest. Do the math. I challenge you to check your statements and figure out how much you have paid on your mortgage since it began, versus how much has actually gone to principal. This is called your effective interest rate. Most effective interest rates are well over 500% for the first year of a 30 year mortgage.

A Better Way
The good news is that it DOES NOT have to be that way. There is a better way
to pay off your mortgage and it DOES NOT require bi-weekly payments. It DOES
NOT require paying extra money to principal every month. It DOES NOT require
you to refinance your primary mortgage. It DOES NOT even require you to raise
your monthly payment.

It DOES require a change in thinking and a change in how you use your money.
It really is that simple. Think about this. How much interest is the money in your
checking account earning you right now? How much interest is the money in your
checking account canceling right now? If you are like most American
homeowners, the answer to both questions is probably ZERO.

The simplest reason that the Money Merge Account program works is that it directs your money so that it is canceling interest. How does it do this? Instead of leaving “idle” or “stale” money in your checking account each month, waiting for it to be spent on your bills, you can have your money sitting in your mortgage while it waits to be spent. By doing this, your money is working for you, canceling interest every day, hour, minute, and second the money sits in your mortgage.

Three Components
There are three main components to the Money Merge Account system:
The Money Merge Account web-based software
Your 1st Mortgage
An Advanced Line of Credit (ALOC), Personal Line of Credit, Business line of credit, Credit card.

Your 1st mortgage is a closed-end loan. This means that your monthly interest
charges are calculated on the MONTH END balance. Your monthly statement
reflects the month end balance of your mortgage, not the average daily balance.
This closed end system also prohibits you from getting any money back that you
have sent to go toward principal. In other words, as you pay down your principal
with regular monthly payments, that becomes the bank’s money and you cannot
get it back unless you refinance or sell your home. The direction that money
flows represents a one-way street. Money goes from you to the bank and NOT
the other way around.

An advanced line of credit is different, however. Most advanced line of credits come in the form of a Home Equity Line of Credit. These types of loans are open ended, which means interest is calculated on the AVERAGE DAILY balance, not the month end balance. In this type of system, money flows both directions. You can draw from your line of credit (think of it like a credit card) and you can make payments throughout the month, as many times as you want. Because the
interest you pay is based on the average daily balance, you can borrow large sums of money each month and pay it back by the end of the month, and therefore pay very little in interest charges. The advanced line of credit, or home equity line of credit, can function exactly as a primary checking account. Just as you deposit and withdraw money from your checking account, you can now deposit and withdraw money from your line of credit. The money that was sitting “idle” in your checking account can now work in your line of credit and cancel interest by keeping a low average daily balance. Most of us know that we can pay off our mortgage much more quickly if we send the bank any extra money we have, $100 here, $200 there, etc. The problem with that is most homeowners do not have extra money to send to the bank. With the open-ended home equity line of credit, we have “found” that money. We can draw from the line of credit to pay down a large chunk of the principal balance, but instead of paying 8%, 9%, 10%, or more on the money we borrowed from that credit line, we are paying far less (1%-3% in most cases), because of the way we use the line of credit.

For example…if you transfer $5,000 in month 1 on your $200,000 thirty year
mortgage at 6% interest, you would shave off over 22 months of payments and
over $23,000 in interest – just with that one transfer. You would immediately
reduce the mortgage balance to $195,000 and each and every monthly payment
you make from here on out, would have more going to principal and less going to
interest than if you hadn’t made that transfer. You have adjusted the bank’s
amortization schedule in your favor – it’s like fast-forwarding 22 months!

$5,000 balance on my line of credit?
Because you are using your line of credit as your checking account, you will deposit your paychecks ($5,000) for the month. This will decrease the average daily balance, and, as you spend money on your bills and expenses, will gradually raise it throughout the month. At the end of the month, you will have a balance of $4,500 (because you have $500 in discretionary income), but you will only pay interest on about $2,000 of that balance.

In summation, you borrowed $5,000 from the line of credit to pay down the principal balance on your 1st mortgage, but you were only charged interest on approximately $2,000 of that balance. In essence, you floated $3,000 of the bank’s money that you used to pay down your principal balance. That is the power of the Money Merge Account system! At the end of each month, as you pay down the balance another $500, your line of credit will gradually decrease (because you are making more than you are spending). Pretty soon, as the balance nears zero, the software will prompt you to transfer another chunk of money to pay down the principal balance on the 1st mortgage. You will proceed with this process until your 1st mortgage and your home equity line of credit are paid to zero. This process usually takes between 7 and 15 years for the average homeowner, but your situation may be better or worse. That is why it is important to get a FREE analysis done by an independent software agent to make sure the program can help you (see http://www.mortgagefreefinancial.net/ for your FREE analysis).

Why do I need the software?
The software is your “financial GPS” that ties everything together. Now that you will be using your money in a greater capacity, you need more than just a roadmap (spreadsheet); you need a live, dynamic program that adjusts with you (like a GPS). You see, the software is the BRAINS of the whole system. You may be wondering, “How do I know how much money to transfer, and when?” This is the purpose of the software. It does the work for you. The advanced mathematical algorithms are based on your specific numbers: monthly net income, monthly expenses, principal balance on your 1st mortgage, and principal balance on your line of credit. The software coaches you to the fastest way to zero. We all know that setting up a budget is easy; sticking to it is the hard part. We also know that your income and expenses will be different from month to month – that is just life. The software tracks every penny that comes in and every penny that goes out, and gives you specific dollar amounts (down to the penny) and specific dates to transfer money from your line of credit to your 1st mortgage. These transfers will not be regular in regard to amount or time – the software determines what is best for you. The math algorithms in the software took a GE Aeronautics engineer nearly 2 years to perfect! There is no way we can constantly monitor and adjust our income and expenses to know exactly how and when to transfer the money to our 1st mortgage. That is the job of your personal Money Merge Account software. If you transfer too much, you will pay too much interest on the HELOC; if you transfer too little, you will not maximize interest cancellation on the larger, primary mortgage.

Why can’t I do this myself?
The question is not “can I do this myself?” but “Will you do this yourself?” Simply put, you can do this yourself, IF you took the time to set up a complicated preadsheet, IF you adjusted that spreadsheet on a daily basis, IF you constantly updated it as your income and expenses changed every month, IF you had the discipline to continue the monotonous daily calculations, IF you could look forward to the actual payoff date whenever you wanted, IF you had the time
and energy to continue this process for the 5, 10, or 15 years it would take to pay off your mortgage. Do you think people pay big money for a personal trainer around the beginning of January because they need someone to show them how to lift a dumbbell? No! They pay the money because they know if they invest the money, and invest the time, they will have a much greater chance of succeeding in their weight loss and fitness goals. They know they need some education, some motivation, and some inspiration to help them accomplish their goals. The same is true when it comes to paying off your mortgage. You might start out great for three or four months, but as soon as the car breaks down, or the kid needs soccer shoes, or [fill in your excuse here], you find a reason to forget about the whole thing and give up. If you made a one-time investment for the software (there are no monthly or annual fees), don’t you think you would be more motivated, disciplined, and encouraged to continue the program until your
mortgage is paid off, especially when it takes only 10-15 minutes a month to update? Is a small, upfront investment and 10-15 minutes a month worth saving tens or even hundreds of thousands of dollars in interest over the next 5, 10, or 15 years?

Why can’t I make extra principal payments to my primary mortgage and
achieve the same results?
Simply put, the mathematics behind the Money Merge Account program present a sophisticated process that has a substantial financial benefit over increasing your monthly payments. The algorithms in the proprietary Money Merge Account system are systematically programmed to create the highest interest savings possible in the least amount of time. The math engines programmed in the Money Merge Account system calculate the specific timing and dollar amounts required to produce the most optimum savings on each individual mortgage and
overall financial situation. If I am not increasing the monthly payments on my mortgage, how can this program be possible? The Money Merge Account system makes a connection between your bank account, the advanced line of credit, and your primary mortgage. Each time you
transfer income into your account, it registers as a decrease to your mortgage balance. By decreasing your mortgage balance, you now lower the balance in which interest accrues. By decreasing the balance in which interest accrues, you increase the portion of your monthly payment which is credited toward your principal pay down. The Money Merge Account system determines the specific timing and amounts for each transfer required to produce the quickest payoff time and highest interest savings possible. There are also multiple financial options programmed into the Money Merge Account software, which assist homeowners in paying down their mortgage as soon as possible.

Why am I applying for a line of credit, and how is it associated with my
savings and checking accounts?
The Money Merge Account program uses the equity line of credit solely as a vehicle or a tool to drive the program. The Money Merge Account system is coordinated through systems created by United First Financial and works independently of the lender. The equity line of credit must have the capacity to operate similar to a primary checking account and be set up with an open-end interest calculation rather than a closed-end interest calculation. Combined with the Money Merge Account web-based system, this creates a formula in which the money in your line of credit account generates an interest cancellation on your primary mortgage.

Why would I want to pay off my mortgage?
It is my biggest tax write off! The interest you pay on your mortgage may be tax deductible. Most of us understand that. But don’t be fooled! For every dollar you pay the bank in
interest, you will receive $0.33 in tax savings (assuming a 33% tax bracket). This produces a net out-of-pocket expense of $0.67 for keeping your mortgage. Wouldn’t you rather just keep the dollar and come out ahead? You should always discuss your tax situation with a qualified tax professional. Besides, if you are mortgage-free and still want a tax deduction, maybe you can pay your neighbor’s mortgage instead! I’m sure they would be happy to oblige! To find out more about how the Money Merge Account can work for you, including obtaining your FREE mortgage analysis, contact us right away. You have nothing to lose but years off your mortgage!

Isn't it time to start making your hard earned money WORK for you instead of the BANKS?

Call us today! 407 319-3369

Visit us on the web http://www.mortgagefreefinancial.net/

Quote

2008-06-19T18:24:00.001-07:00

In times of change the learners will inherit the earth, while the learned find themselves beautifully equipped to handle a world that no longer exists.People are one skill away from financial freedom. That is to have the ability to keep on learning.

Keep learning about what you already do! Education is the key to understanding.
visit my website and learn something new you can use www.mortgagefreefinancial.net

Juan
407 319-3369

Different personality types

2008-06-19T18:20:00.000-07:00

Has this ever happened to you?

You get a call from a friend who wants to show you something very exciting. Perhaps it's the next best thing to the electric lamp but he forgot something. He doesn't understand your personality type! There are four types of people, I think you would be amazed at the results once you learn them and put them into action....

I have added this information to help people develop skills not motivation "What do you get when you motivate an idiot"? a motivated idiot.

Four colors which one represents you?

Yellow Group Oriented
Green Analytical
Blue Promoters (The world revolves around them.)
Red Rainmakers. Risk takers. Independent

But how do you master which color belong to who? You will do this by developing skills and educating yourself on what to say and not to say. Ever go to someone and say the wrong thing? I have so many times "YUPP" I was an idiot I admit to it 100%. But you can't be a great runner just because you jogged a 1/2 block. Developing skills takes time to learn. This is why we have successful people and not so successful people. Invest time in yourself and you can sell or do anything. I am a RED by nature and have fallen so many times! But a RED always keeps on keeping on.

Today I am on a different path and that is to teach people that when OPPORTUNITY KNOCKS it's not the companies fault if you fail. You have to get trained for success. This is why it's such a fact that "If someone with a poor mentality wins the lottery it's only years before they go broke" These people never educated themselves on money. If you want to be really good at something get training. The bottom line is you must LOVE what you do! Get the proper training! Keep on keeping on! and study the four personality types......You got the power

Want to earn a multiple stream of income? We will train the right people!
Change your life be the 97% not the 3%...

Juan Tanon
407 319-3369

2008-06-19T18:08:00.000-07:00

Frozen HELOCs and the United First Financial Money Merge Account

One of biggest concerns for many Clients and Agents of the United First Financial Money Merge Account has been the issue of frozen HELOCs. I'm sure most people have heard the news of a number of banks freezing the HELOCs of their clients because of the decline in the housing market. Banks are literally preventing homeowners from taking money from their HELOCs since they feel people will borrow more then their properties are worth.The biggest problem is the banks aren't looking at individual situations. They are looking at which areas are labeled a declining market and then freezing the HELOCs of all their clients in those areas. So, even if a client has a $0 balance on the HELOC or made all payments on time, they can still fall pray to having their HELOC frozen and not being able to access their money. Since a HELOC is the number one Line of Credit used for the United First Financial Money Merge Account this is a big concern, however, don't fear as there is a way to get around this issue.

Call Juan
407 319-3369

money merge account agent

2008-06-19T18:02:00.001-07:00

Become an agent for United First Financial

Visit our training website http://www.mortgagefreefinancial.net/

https://backoffice.u1stfinancial.com/MemberToolsDotNet/Enrollment/StartPublicEnrollment.aspx?ReferringDealerID=866305

Get training you need by our trained agents..

Juan
407 319-3369
info@mortgagefreefinancial.net

Paying off your mortgage in a fraction of the time

2008-06-08T06:36:00.000-07:00

Paying off your mortgage in a fraction of the time!

The Money Merge Account is really an idea that's long overdue in America. In Europe and Australia, this type of concept is known and widely used.

By using an Advance Line of Credit (ALOC) as the driving force, the Money Merge Account acts as a traffic controller - prompting you to move your money expertly to pay down the mortgage, pay monthly bills just like a checking account system and constantly adjust the amounts with the goal of accelerating equity.

All of this happens 24/7 and 365 days a year - and you have full control and access to everything in your Money Merge Account online, so you never lose control of the situation.

What's in it for me? Learn more about this revolutionary product click here

Juan Tanon
United First Financial
Agent #866305
407 319-3369
info@mortgagefreefinancial.net

Corporate Website
www.u1stfinancial.net/giftoflife

Website
www.mortgagefreefinancial.net

Career Agents

Why Should I Focus on Accelerating Equity in My Home?

2008-06-08T06:24:00.000-07:00

Why Should I Focus on Accelerating Equity in My Home?

If you enjoy paying out your hard earned money to the banks, then keep making those mortgage payments. But if you want to own your house in years instead of decades, then you'll want to know how the Money Merge Account makes this possible.

It works for anyone who is willing to learn modern methods to money management that fit today's economy. Paying off your mortgage is a goal that many families desire to reach but never seem to get there.

Building equity in your home is to nurture its unseen security. It's also collateral for buying that vacation cabin on the lake or paying for the kids' college when the time comes.

That's where the Money Merge Account works so effectively to cut down your mortgage before you pay more than necessary in interest. The result is that your mortgage is paid off in half to a third of the time and the interest savings are nothing short of astounding.

Learn more money merge account

Ready to see if the money merge account is right for you? Click Here

Or give us a call at 407 319-3369

Juan Tanon
United First Financial
#866305
info@mortgagefreefinancial.net

www.mortgagefreefinancial.net

Watch the movie about United First Financial "The money merge account"

What Is Money Merge Account and How Can It Help Me?

2008-06-08T06:04:00.000-07:00

The Money Merge Account is a financial break-through designed by Skyler Witman and John Washenko. These forward thinkers took what they knew about the mortgage business and elevated it to another level with the flexible Money Merge Account.

But they didn't stop there. They gathered a brain trust of experts to design a complex system to drive the Money Merge Account.

Their goal was to help you pay off your mortgage in a fraction of the time and create wealth, all with the same income you currently have. If that sounds amazing, it is!The Money Merge Account sets your goals of homeownership and financial security in motion, then keeps the balance just right 24/7 so that your money works for you.

The algorithms built into the Money Merge Account are programmed to constantly adjust your money for the best possible interest savings. Linked with your mortgage and an Advanced Line of Credit (ALOC), the Money Merge Account is like having a high level team of financial planners who work around the clock to tend your money.

You don't have to know anything about money management to see your money grow as your mortgage disappears. Everything you need to know, you'll learn in the educational seminars and information provided to you from the Money Merge Account.

The Money Merge Account also acts as your primary checking account. If you're accustomed to online bill paying, you can continue to do this within the Money Merge Account system, where you have instant access to your account information online.

It's no wonder United First Financial is sweeping across the nation.

If you are interested in learning more about this product simply give us a call. We will assist you in learning more about this program to see if it's right for you and your family.

Don't give your hard earn money to the bank make it yours! Let us show you..

Juan Tanon
Independent Agent
#866305
Corporate Website
www.u1stfinancial.net/giftoflife
Personal Website
www.mortgagefreefinancial.net

407 319-3369
info@mortgagefreefinancial.net

How Does the Money Merge Account Work Without Increasing My Monthly Out of Pocket Expenses?

2008-06-07T13:39:00.000-07:00

How Does the Money Merge Account Work Without Increasing My Monthly Out of Pocket Expenses?

It's another New Year's resolution - save more each month to pay for special things. Before you blink, it's June and you're taking the family to camp at a state park instead of the vacation cruise to Alaska.You tried to save money each month, but it just didn't happen.

Now you feel like there's absolutely no way to get ahead without living under a bridge, eating beans and saving every penny for several years.You don't have to give up your family's lifestyle or your dream vacation just to afford a roof over your head and the monthly expenses.

The United First Financial Money Merge Account is the answer to making your New Year's resolution a reality without any sacrifices in the way your family lives.By applying complex financial formulas daily, the Money Merge Account makes the most of the money you have in balancing the mortgage, Advanced Line of Credit (ALOC) utilizes stagnant money that sits around in your checking or savings accounts.

Juan Tanon
407 319-3369
info@mortgagefreefinancial.net

www.mortgagefreefinancial.net

Career Opportunities Available

pay off your mortgage early using the money merge account program

2008-06-07T13:03:00.000-07:00

Pay Off Your Mortgage Early Using the Money Merge Account from United First Financial
United First Financial could show you a way to be DEBT FREE and pay off your mortgage in 11 years or less on your current income without altering your current cash flow or changing your lifestyle, would that be worth an hour of your time?

Many of you reading the above question would respond "yes" as your answer.
I'll now explain this to you in another way. Suppose someone from your bank called you and said they had a new program that you could use to shave 20 years off your current mortgage without changing your payment or lifestyle what would you say?

What if they went on to say that they could show you how to accelerate your equity 3-4 times faster with this program and save you on average $50,000 or more what would you say?
Now if they told you that you need to spend 60 minutes learning about the mechanics of the program to decide if it will work for you, would you be willing to take a closer look?
Of course you would.

What you're about to read has changed the lives of thousands of Americans and may very well change yours for the better should you be able to qualify.

The program that I'm about to tell you about is NOT a SCAM! Not one... I repeat... not one person who OWNS the United First Financial software has a negative thing to say about it. What negativity there is about the program is coming from people who have no understanding of this program and have never used the software.

I'm reminded of a quote by Herbert Spencer:
"There is a principle which is a bar against all information, which is proof against all arguments and which cannot fail to keep a man in everlasting ignorance - that principle is... contempt prior to investigation."

In essence, there's now a painless way to pay off your 30-year mortgage in as little as 8 to 11 years using a home equity line of credit thanks to United First Financial's revolutionary program featuring a Money Merge Account. Although it's a horrifying thought, it's no secret to most homeowners that they will pay about twice the purchase price of their home on a traditional mortgage--a mortgage that will take about 30 years to pay off.

What does surprise many of these same homeowners is to find out it doesn't have to take this long to pay off your mortgage. Now, United First Financial has put in place a remarkable plan for homeowners to break that cycle of financial drain--a Money Merge Account (MMA) in conjunction with a home equity line of credit (HELOC). The best part about this is now you can pay off your 30-year mortgage in as little as 8 to 11 years with United First Financial, with no change to your lifestyle or refinancing of your existing mortgage!

So if you're as tired as I am of paying for two homes and only getting one, then it's time to do something to turn this around in our favor!
Get a head start on rapidly reducing the principal of your mortgage by clicking here
A mortgage-free future is closer than you imagine!

Please take a few moments and discover how United First Financial can work for you. It's a revolutionary program that is affecting people's lives for the better. Invest 30 minutes of your time and check this out for yourself by getting in touch with me today!

To your financial well being!

Provided by Independent Agents of United First Financial, #866305

becoming an agent is fast easy and best of all very rewarding Click here

Warm wishes

Juan Tanon
407 319-3369
info@mortgagefreefinancial.net

http://www.mortgagefreefinancial.net/

Career Opportunities Available

mentor your way to millions

2008-05-18T09:03:00.001-07:00

Benjamin Franklin once said if you empty your purse into your mind, your mind will fill your purse back with Gold. I truly beleive that, because I am living proof of it.
Back in 1998, I learned that formal education gets you a job, and self education gets you rich. In 1998, I was making $10.15 an hour with no college degree and was 27 years old living at home. I began my journey on self education with my first mentor named Napoleon Hill "Think and Grow Rich" and he taught me to work on myself harder than on my job. I didn't understand that in the beginning, but as the years went by I started noticing my income go up. Today with no college education, I am making 100 times fold the money I used to make and work half the time. All because of Self education.Through the years I have invested thousands and thousands of dollars in self development books, audio CDs, and mentors. I promote this industry like there is no tomorrow because of what it has done to me. I have had the priviledge of working with some great people over the years, and have heard the voices of some great life movers in the world. Inspirational stories that have made my mind stronger and ready to take on any challenge.
See anything in life will become easy if your mind is trained to think the right way. There is a quote that says: In times of change the learners will inherit the earth, while the learned find themselves beautifully equipped to handle a world that not longer exists. In other words if people stop learning they stop growing. In life we are always seeing changes, we change, things change, there are new ideas and always something new to learn. I challenge you today when someone brings you an idea be open and look before you judge. They say don't judge a book by it's cover. Give all people the benefit of the doubt and perhaps what they bring can be the financial break you've been waiting for.
Keep your eyes open don't loose focus and for lack of self discipline stop learning about what may be the next opportunity for success.

Juan Tanon
Independent Agent #866305
407 319-3369

info@mortgagefreefinancial.net

www.mortgagefreefinancial.net/

www.u1sfinancial.net/giftoflife

Career Opportunity

money merge account

2008-05-17T17:14:00.000-07:00

When you want to do research on the money merge account, most people are going to go straight for the internet. Information at your fingertips. The downside of the internet is it's protection of liars. That's why you have to do your work, ask your questions, and make the decision on your own (other peoples opinions might not be worth a dime-including this one!). The first two pages on google can give you a headache!

There is so much information to sift through, let's face it un educated post like the one below can really make you wonder. This one comes from a very good site with great many professionals, so I started reading, very hopeful. The initial questions was made by a good member of the site, so I concluded it was not a ‘plant' (someone who joins to post, then leaves). However, the very first response was pushed as credible, and it wasn't:"It has been discussed.

The best response I read was by member Steve Sushner, who happens to be an attorney. This is what he said:

I reviewed this product for the first time last week. Frankly I am disgusted by it. It does NOT save any money, it merely moves debt from one location to another and in fact will cost most clients more money than it will save them (even if there was no $3500 fee and even if we forget the tax implications). The debt on the ALOC is almost entirely ignored. Additionally the program fails drastically when you realize that most people are paid twice a month, not once and in arrears. Substantial savings is realized on this program by these two false presumptions.
I so dislike this program (and find it grossly unethical- I'm sure the class action lawsuit is around the corner) that I believe anyone who advertises it on brokeroutpost should be banned. Anyone else agree?

The only reason anyone is able to sell it ever is that people get very overwhlemed by its complexity. I challenge anyone selling it to run it by a licensed CPA and see if he would purchase it (even for free).

BTW, has anyone selling this ever noticed that the program CAN'T work on an interest only mortgage EVER."

The first two things that went through my mind was
1) I work with Lawyers all the day long. They study the law-but that does not make them good business people. Lawyers do not take risks-they are the most neutral profession in the world, making money by playing both sides of the field.
2) I met two certified CPAs last night at the meeting I went two-both on the program, and one of them selling the Money Merge now.

I went over my notes from last night and started doing some figures. My own conclusion was that this "lawyer" was not the brightest bulb in the box. If you asked ANY banker how you can pay down your own mortgage faster, they would tell you to apply more money to principle. That's what this does. It directly affects the interest which can be charged and you CAN accelerate the payoff. So, where did "It does NOT save any money, it merely moves debt from one location to another and in fact will cost most clients more money than it will save them (even if there was no $3500 fee and even if we forget the tax implications)." come from?
The debt in the HELOC was not ignored by the program, it was focused on first! My mind raced, and I simply could not see how a company, seeking to get people out of debt, with a proven track record, would be "unethical".

The last point that stuck out, was the example they gave in the general meeting I went to: a mortgage broker started laughing, and asked if he was correct in noticing that this would pay off an interest only mortgage like the program had steroids on it?

Then they showed us how it would work. Case in point: that lawyer is an idiot, using his profession to sway the readers. Lawyer words used to sway people who simply don't use their own minds.
I moved on down the board...

The first advocate was strong, and again-not a plan (he had over 125 posts in other boards). He/she said:"The Money Merge Account is a good tool. We have a few of the best CPA's in CT on board with the company who are offering this program to their clients. People always talk about the tax advantages you lose when you pay your home off. You simply buy another house and create more wealth while keeping the tax advantages. If you can own 3 homes free and clean within 30 years, is there something wrong with that? It works with bi-weekly pay and with Interest Only mortgages. Don't listen to every Attorney. UFF has their own legal advocates."
So we had for and against, and if you go through and read the whole board, you can even watch a few people become converted. However, as you go through the posts (I won't quote them all), some very good questions came up:

1.) The rate on a HELOC is generally higher than the rate on your home-why would you take money from a higher rate to pay down a lower rate?

This is a very good question and one that is asked very often. The money merge account software program calculates all of the variables to effectively help you pay your mortgage faster. More over the heloc will cost you less money in interest because it is an open ended loan. This is one of the most important principles to understand and in my opinion one which people do not quite understand, not until they sit down with a qualified professional so that they can see how it work with their own eyes.

Suppose that you have a line of credit of $20,000 @10% and you borrow $5,000 we know that the bank will now charge you interest on the $5,000 you borrowed right? So we now take $5,000 x 10%=$500.00 and divide it by 12 months which equals to $41.67 in interest charges.
You just borrowed $5,000 for $42.67 in interest charges But wait! Suppose you pay back $4,000 by the end of the billing cycle. The bank can only charge you on the average daily balance, therefore you will be able to impact how much interest is paid to borrow that money.
In other words you have just floated $4,000 and not paid a penny in interest for using it. FRIENDS this is just like American Express use it now pay it off by the end of the billing cycle and pay no interest.
But what about the $1,000 balance I owe. This is the exciting question. How much interest are you currently earning with your checking and savings account? Let's change the way we do our banking behaviors so that we can let our money work for us 24/7. You will simply deposit your income into the line of credit which will keep your HELOC balance low and the software will tell you when to send different amounts of money to your primary mortgage.
This is not magic this is called leveraging your money and the money merge account from United First Financial does exactly what it guarantees.

Take a step into our world let us show you a FREE no obligation presentation. Sleep on it take notes ask questions, but the only way to make an educated guess is to be educated on the latest and newest technology available to us TODAY.
When the Remote for your TV was invented you started to use one, although there are a few stragglers still getting up to change the channel. Don't get left behind we can educate you and answer any questions. Then United Financial will guarantee this program for life.

We at mortgagefreefinancial.net are interested in helping you make the right choice.

Thank You, and God Bless You
Juan Tanon
407 319-3369
info@mortgagefreefinancial.net

www.mortgagefreefinancial.net

www.u1stfinancial.net/giftoflife

Are you in need of additional income? We can train you on our easy ABCD steps we have been using to generate sales... Give us a Call 407 319-3369

What Is a Money Merge Account?

2008-05-17T14:41:00.000-07:00

"How can I merge my money? I have nothing left at the end of the month, I'll never get ahead!"

If that sounds like you, then you're absolutely right. As long as you keep using the same money application approaches over and over again, you will have a really tough time getting ahead.

That's exactly why you need United First Financial's Money Merge Account to set you on the road to financial freedom years - or maybe decades - ahead of how you would get there without a solid financial plan.

You have to make the mortgage payment to keep your house out of foreclosure, even though that Adjustable Rate Mortgage is driving you to consider getting a second job. Don't get another job - get the right financial strategies to use and maximize the money you already have.

That's what the Money Merge Account does - it seems to stretch your money beyond anything that simple budgeting could ever do for you. What's the magic in the Money Merge Account?

Actually, there's no magic, just cutting edge financial approaches to deal with today's money issues. The Money Merge Account is designed to help you get your finances in order so that you pay off your mortgage in one third to one half the time and you save money and interest.

The Money Merge Account is simple - you don't have to have an MBA to learn how to make this work well for you.

Plus, you'll get information and training to teach you how to get the most from your Money Merge Account.

NOTE: You can continue to do what you have always done and expect different results. Or you can take advantage of this advanced cutting edge, money saving tool, and create a change a positive change in your life.

Give us a call 407 319-3369

Juan Tanon
independent agent #866305
info@mortgagefreefinancial.net

www.mortgagefreefinancial.net

I can show you the way to financial freedom. TODAY

2008-05-17T14:40:00.000-07:00

Top ten reasons for using the money merge account program

2008-05-17T03:41:00.000-07:00

Top Ten Reasons why to use the MMA Program

1. The Money Merge Account software will pay your home off in as little as one-half to one-third the time.
2. The Money Merge Account software will save you thousands of dollars throughout the life of your loan.
3. The Money Merge Account software will help you keep a better budget.
4. The Money Merge Account software will create an emergency cash fund and reserve account.
5. The Money Merge Account software will potentially create greater tax benefits for you.
6. The Money Merge Account software will help you lower and pay off your debt.
7. The Money Merge Account software will lower stress because of lower debts.
8. The Money Merge Account software will help you create a financial plan.
9. The Money Merge Account software will give you the true cost of everything you buy.
10. The Money Merge Account software will create equity in your home faster than a conventional mortgage.
A FREE Analysis can help us determine if this program is right for you...
Visit us today http://www.mortgagefreefinancial.net/

Career opportunities available
http://www.mortgagefreefinancial.net/career-opportunity.html

Career Opportunity

2008-05-11T19:37:00.000-07:00

Looking to earn extra income?

Let us teach you all about this company!

Visit our website: Click Here

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United First Financial Credit Card Option

2008-05-05T17:07:00.000-07:00

As most of you know, a Line of Credit (a Home Equity Line, Personal Line or Business Line will do) is required in order for the Money Merge Account Program to work. Because of the decline in the housing market and many lenders tightening their lending guidelines, Lines of Credit are becoming harder for some to obtain. Well, UFF has come up with a temporary fix to this problem.As of April 2, 2008 a Credit Card can now be used with the United First Financial Money Merge Account as an alternative to a Line of Credit. If you really think of it for a moment, this makes complete sense since a Credit Card is nothing more then a Line of Credit. Granted the rates, fees and credit limit vary greatly, but this is a great way for a client to get started on the Money Merge Account Program and build some equity in their property. Later, they can then apply for a Line of Credit at a major bank and utilize it instead of the Credit Card.Now, most United First Financial Agents are telling their clients about the Credit Card option instead of having them try to obtain a Line of Credit from a bank. I don't really think this is the right way to go as the rates and fees on Credit Cards are very high. Instead, the Credit Card option should be a last resort for a client to utilize the United First Financial Money Merge Account and it should be know that is only a temporary fix. The client's main goal should be to get a Line of Credit as soon as they can.It should also be noted that United First Financial WILL NOT GUARANTEE the client's results on the Credit Card option UNTIL Version 4 of the Money Merge Account Software is released in June of this year. Client can still start using the Credit Card option and then once Version 4 of the Money Merge Account Software is released, United First Financial will re-run the client's Money Merge Account Analysis and give them the GUARANTEE. So, a client doesn't have to worry about them not getting a guarantee from United First Financial, since it will happening later, but it in the meantime, they can get started on the program to help pay down their mortgage.Now, in order for a client to utilize this program, there are a couple of items they need to check with their Credit Card Company:1) Are they able to write checks from their Credit Card or does their company have an online bill-pay system.2) If the Credit Card Company will allow you to write checks, is there a fee for the checks.3) What is the interest rate they will charge you if you write a check or do an online bill-pay from your Credit Card. Remember, some Credit Card companies count this as a Cash-Advanced Transaction and the rate and fees are higher.4) When do they apply payments?5) Are there any Annual Fees?6) What is the Credit Limit?We recently spoke with a United First Financial Agent that American Express has a Credit Card which works perfectly. You might want to check them out.REMEMBER: THIS IS A LAST OPTION AND A TEMPORARY FIX TO GET YOU STARTED ON THE UNITED FIRST FINANCIAL MONEY MERGE ACCOUNT! YOU SHOULD TRY TO OBTAIN A LINE OF CREDIT AS SOON AS YOU CAN AND THEN CONTACT UNITED FIRST FINANCIAL SO THEY CAN SWITCH YOUR MONEY MERGE ACCOUNT SOFTWARE TO WORK WITH THE LINE OF CREDIT INSTEAD OF THE CREDIT CARD.
Get Your Free Money Merge Account Analysis Today!

Become a United First Financial Agent and offer the Money Merge Account

Questions? Call Juan 407 319-3369 or email me at info@mortgagefreefinancial.net

Money Merge Account: Different Ways it can help Different People with different goals

2008-05-01T04:48:00.000-07:00

Money Merge Account: Different Ways it can help Different People with different goals

There are so many options this program is offers a wide variety of homeowners. I remember back in the early 90’s, I would take up an interest free credit card for six months to a year just to save interest on other balances. Simply I would transfer my balance and adjust my interest immediately. Therefore any payments I made to my 0% interest credit card would all go to the principal payment. Have you ever done this? This is the power of impact but it only happens when individuals put their money to work for them.

The money merge account simply uses the approach of helping homeowners save money on interest. It is wise to understand that some of us go to college and either attend 4 years 8 years or even 12 years. We do this to get an education and earn a better living. So for those of you who can take an extra few minutes and really understand the concept of the money merge account you are on the right track. Money is hard to come by these days but when was the last time you and friends sat down and discussed how much interest is going out toward your mortgage payment.

You don’t have to be a college graduate to understand money and the money merge account. This is why we have put together educational information so that you have the opportunity to make the right decision. I know it sounds too good to be true! I thought the same thing too. But I questioned the program and put it to the test, and it simply works, in fact I am now more conscious about where my money is than I used to be.

The money merge account program can help you with in so many ways. It’s your money and your future; shouldn’t you be the one on the driver’s seat? Merge is a way to put things together; your money can not think for it self. Put the money merge account to the test, after all the education is free, the analysis is free, the support is free, and you will potentially save thousands of dollars in future interest payments.
For Further Information: http://www.mortgagefreefinancial.net The beauty of the Money Merge Account is that it can benefit different people in different ways. Choose an option below to see how the Money Merge Account can help with different needs and situations.

Different needs with which the MMA can help you
Repaying your mortgage early
Reducing monthly payments/consolidating other debts
Funding a major purchase (new car, holiday home, boat etc.)
Buying a second property
Planning for school fees or university
Coping with short-term ill health, unemployment, redundancy or moving jobs
Planning for maternity
Short-term spending e.g. holiday, Christmas
Making the most of an inheritance, windfall, large bonus, or maturing investments
Funding home improvements

Additional situations with which the MMA can assist you
Self-employed
Young professionals
Young couple - first time buyers
Couple moving up the property ladder
Commission-based incomes
Irregular income
Older couple - children left home

Repaying your mortgage early
When repaying a mortgage, it's not the rate you pay that's most important. What matters is the total amount of interest you pay over the term of your loan. With the Money Merge Account, you use your income and savings to reduce your loan balance and minimize your interest payments. This means more of your money goes towards your principal balance each month, helping you repay your mortgage years earlier and save thousands of dollars in interest.

Reducing monthly payments/consolidating other debts
The Money Merge Account is much more than just an accelerated mortgage payment option. Other debts (e.g. credit card balances, personal loans, overdrafts etc.) can be transferred to the Money Merge Account - which means you benefit from paying less interest on all your debts instead of expensive, unsecured rates. The reduction on your minimum monthly payments can be significant.

And if you're concerned about rolling all your debts into one big balance, don't be. You'll be able to break your debts into individual repayment plans. So you can have a plan for your mortgage, a plan for your credit card balance, and a plan for your loan. We'll help you budget to pay off what you want when you want, and you'll be able to see each element of your debt falling month-by-month in line with your plans.

Funding a major purchase (new car, holiday home, boat etc.)

The Money Merge Account can help in a number of ways - depending on whether you want to build a lump sum of equity to fund a purchase, borrow the money, or do a little of both.

Building a lump sum

Many mortgage programs on the market give you the chance to overpay your mortgage each month. But if you're looking to save for a major purchase (e.g. a holiday home, a car or a boat) at the same time, you haven't got the flexibility to do so. The Money Merge Account lets you have your cake and eat it too. It allows you to put money aside each month for the purchase and use this money to reduce your balance while you build up the lump sum.

With the Money Merge Account, you'll be able to set up a savings plan just for this. That way, the savings part of your balance can be seen separately from the rest of your Money Merge Account balance, and you can budget to build up the lump sum by the date you want.

Borrowing at a mortgage-style rate

Traditionally, if you haven't got enough saved for a major purchase like a new car, your only option is to borrow the money. This usually means taking out an auto loan or using a credit card, all at much higher interest rates than you pay on your mortgage. The Money Merge Account is a much cheaper way to pay, because everything is paid back at a very low mortgage-style interest rate.

And you can set up a separate loan plan just for this. That way you can focus on paying this part of your Money Merge Account balance off as quickly or as slowly as you want, and you can check your overall plan whenever you like.

Buying a second property

Because the Money Merge Account is secured against your home, you can usually spend up to 100% of the property value. So if you'd like to use the equity in your home to buy a second property, it's ideal! You can borrow at a very low mortgage-style interest rate while retaining the flexibility to pay back how and when you like. Many lenders will charge a higher interest rate simply because the money is for a second property, but with the Money Merge Account, you can pay a much lower amount of interest than traditional investment style interest rates.

And you can set up a separate payment plan just for this. That way you can focus on paying this part of your Money Merge Account balance off as quickly or as slowly as you want - and check your overall plan whenever you like.

Planning for school fees or university

If you have young children, chances are you'll need to either save or borrow enough money to get the children through school and university. The Money Merge Account can help in both instances.

Building a lump sum

If you're looking to put money aside each month for the future, then one of the best places for this is the Money Merge Account. In this way, the money can reduce your interest charges on a day-to-day basis, and you can simply draw on it when the time comes.

With the Money Merge Account, you'll be able to set up a savings plan just for this. In fact, the savings part of your balance can be seen separately from the rest of your Money Merge Account balance, and you can budget to build up the lump sum by the date you want.

Borrowing at a mortgage-style rate

Alternately, if you need to borrow the money, the Money Merge Account allows you to release the equity in your house at a low mortgage-style interest rate and with the least amount of hassle.

You can even set up a separate borrowing plan just for this purpose! The great thing about the Money Merge Account is that it gives you the flexibility to do what you like with your money. In many ways, you don't really have to think about whether you are borrowing or saving, because when you've got money, it can go in the Money Merge Account to reduce your balance. And when you need money, you can simply draw it out of the account.

Coping with short-term ill health, unemployment, or job transferring

The flexibility of the Money Merge Account works both ways. It's not just a vehicle to quickly repay your mortgage. When money's tight (e.g. if one income disappears temporarily as a result of illness or loss in job), then the Money Merge Account enables you to use your increased equity build up to pay for the daily or monthly costs you incur until you are able to get back on your feet financially. This way, you know you'll get back on track, no matter what may come. We've got a dedicated team of account managers on hand to talk through your options. You'll also be able to use our online service to run a tight budget. It will let you analyze where your money's going, plan your entire spending for the month, and work out what you'll have left over, as well as set longer term plans for repaying your loans.

The key thing is that the Money Merge Account gives you the financial flexibility you need to adjust to changes in your lifestyle - in a way that's right for you - without having to worry unnecessarily about unknown consequences.

Planning for maternity

The flexibility of the Money Merge Account can be used to cushion the financial impact of a newborn baby. If one of you wants to take time off work, then there are a number of options available, from reducing your overall payment commitments for a time to providing the additional money needed for those unforeseen expenses.

If you need to run a tighter budget

We can help you. Our online service will let you plan your entire spending for the month and work out what you'll have left over, even down to the penny if you want. You'll also be able to analyze where your money's going, so you can see at a glance where you can cut your spending. We can also help you set longer term plans for repaying your loans, taking into consideration the peaks and troughs of your income and expenditure over the coming years.

The key thing is that the Money Merge Account gives you the financial flexibility you need to adjust to changes in your lifestyle - in a way that's right for you - without having to worry unnecessarily about unknown consequences.

Short-term spending e.g. holiday, Christmas

Most of us are used to getting out the credit cards when it comes to the more expensive periods of the year, such as booking the summer holiday or buying presents at Christmas. The Money Merge Account can take the stress out of these things, allowing you to reduce your repayment commitments for a time and make them up at a later date. Instead of hiking up your credit card balance, you can simply spend a little more of your monthly income, leave a little less in the Money Merge Account, and then just get back on track as you go.

This means you're no longer tied to the usual 'receiving income/spending income' monthly cycle - you have the flexibility to cope with the peak spending periods of the year without the interest and expense that normally comes with them.

Making the most of an inheritance, windfall, large bonus, or maturing investments

The Money Merge Account offers a better home for lump sums than any conventional deposit account. By depositing them straight into the Money Merge Account, you reduce your loan balance, so you pay less interest. The interest you save by doing this is more than the interest you could earn in any other savings account. And because it's interest saved rather than interest earned, there's no tax to pay.

And the great thing is that the Money Merge Account comes with checks and a debit card as well, so you've got instant access to this money. You'll have a checkbook, debit card, telephone, and internet access all at your fingertips. There are no notice periods; you can simply draw on your money whenever you like and for whatever you want.

Funding home improvements

If you're looking to build that extension, then using the equity in your home could be the most cost-efficient way of funding it. Because the Money Merge Account is secured to your home you can usually spend up to 100% of the property value and pay below market interest, so no more expensive personal loans or finance agreements.

Self-employed

We recognize that being self-employed means you need something extra when it comes to managing your money. That's why the Money Merge Account offers you...

The chance to save thousands on your loan

With the Money Merge Account, you are able to pay less interest on all your loans, thus slashing your monthly interest bill and putting an end to expensive loans and credit cards. In addition, your income works to reduce your loan balance on a day-to-day basis, so any money left unspent in your account continues to save you interest over the lifetime of the account. These savings run easily into thousands.

Greater flexibility

The Money Merge Account is much more than just an interest saving tool. You can manage your payments in line with your cashflow, all without penalties or charges. Pay more one month, pay less the next! It's entirely up to you.

More control

With online access and complete telephone access, you can manage your money how and when you want. You'll have one balance showing you exactly where you stand and how far ahead you are of schedule. You can break down your Money Merge Account any way you like, and you'll be able to plan your short-term and long-term spending in great detail.

The perfect home for your tax money

The fact that you're using money in the Money Merge Account to reduce your balance and save interest, rather than earn it, means you don't pay tax on it. This makes the Money Merge Account the perfect place to put aside some money for the taxman. And when the time comes to pay the tax bill, you just write a check to cover it. This way, your money is working for you from the day it comes in to the day it goes out.

Young professionals

If you're just starting out in your professional career, chances are you'll need a flexible solution for your finances. You can benefit from the flexibility of the Money Merge Account in the early years of your professional life because you're not tied to high traditional interest options. This gives you the freedom to cater for the ups and downs in your spending. And as soon as your salary increases and you start to earn bonuses, you can use your surplus income to reduce your balances and save even more interest. The flexibility of the Money Merge Account means that you can also use your equity for the bigger purchases like a new car or a dream holiday, rather than having to take out more expensive loans.

Young couple - first time buyers

The Money Merge Account is designed to meet your financial requirements as you go through life. It can help fund a wedding, a new car, or a holiday, as well as allow you the flexibility to deal with the financial impact of having a child. You can use the Money Merge Account to overpay on your mortgage, thus building up equity in your home, which will mean a higher deposit when moving to a bigger house in the future. If you can overpay your mortgage from the outset, you will save the maximum amount of interest in the long-term. You can spend up to 100% of your increased equity to furnish your new home and cover other expenses. And if your home needs improving, the Money Merge Account can be used to fund home improvements further down the line.

Couple moving up the property ladder amidst other life expenditures

The Money Merge Account can help you accelerate your rise up the property ladder. It allows you to use your income and savings to reduce your balance and build up equity in your home, so you can move to a bigger property sooner. And if you move, the Money Merge Account can move with you. If you have children, the Money Merge Account also offers you greater flexibility in dealing with the extra financial strain of raising them. It can be used to put money aside for school/university fees - so you get the benefit of this money working to reduce your balances and save you interest. And you can use the accelerated equity in the property to put your children through school even while covering any other expenses. And you retain the same flexibility in terms of repayment.

Commission-based income

The Money Merge Account gives you the flexibility to manage your finances in line with your cashflow. So when you have more income, you can deposit more and save more interest. When you have less income, you can deposit less. You're no longer tied to the usual 'receiving income/spending income' monthly cycle; instead, you have the flexibility to cope with receiving a low annual income and high sporadic commission amounts, even having that money available anytime you need it. And it saves you interest all the while!

Irregular income

The Money Merge Account works particularly well if you're paid a small salary but receive large sums in the form of bonuses or dividends during or at the end of the year. You can manage the Money Merge Account in line with your cashflow. You've also got the flexibility to deposit more when money's available and less when money's tight. Any lump sums can also work harder in the Money Merge Account, reducing your balance and saving you interest.

Older couple - children left home

The Money Merge Account allows you to use any surplus income you have to accelerate the repayment of your mortgage. If you have any investments - e.g. endowments, etc. - these can also be put into the account when they mature to reduce your mortgage balance and save you even more interest. You can also use the equity in your house to fund that holiday or luxury you've always promised yourself. Your money is there until you need it, but it reduces your loan balance and saves you interest in the meantime.

Link to Us

2008-04-23T04:41:00.000-07:00

Hello: FriendIf you are interested in trading links with us please visit our website. Your link will be placed on a first come first serve basis. We hope to partner with you. Click Here.This service is completely FREE! So don't forget to join us and submit your website....If you have any specific questions visit our website or email us: info@mortgagefreefinancial.net If you are looking for a reciprocal link exchange program try this one. Linkmachine It's FREE. The key to success for a website or online business is goodsearch engine ranking. All of the major search engines uselink popularity to determine how well a site will rank - sothe more high quality, relevant links that lead to yoursite, the higher it will rank. LinkMachine makes it easy toget the links you need.LinkMachine finds hundreds of popular, relevant sites topotentially exchange links with. Invite the webmasters ofthese sites to exchange links, using LinkMachine's faste-mail templates. Generate custom link pages that perfectlymatch the look of your site. And keep track of eachreciprocal link to your site. LinkMachine is a Php application that runs on your webserver. So it can automatically update your link pages themoment a change is made - no need to upload files each timea new link is added. Try LinkMachine free for 10 days.There is also a 30 day money back guarantee, so there's no risk.

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Is a Money Merge Account a Good Way to Pay Off Your Mortgage?

2008-04-12T01:36:00.000-07:00

Over the past few weeks, I’ve received several questions about the money merge account .

Let's get a point clear! People are entitled to their own opinion, especially on the internet where negative publicity is controlled by mere words and comments. Do the MATH! read this guide about the money merge account complete information with scenarios and facts.

If you own a home and want to pay it off sooner than this may be a solution to look into. No one is twisting your arm, just look inside don't read the book by it's cover. The money merge account program is a software. But behind it all there is a company who's vision is to help the homeowner become debt free in less time.

Here is what a good friend of mine had to say about this program!

"I haven’t paid much attention to this because I’m unfamiliar with this product.
But when you wrote me last week, I decided to do some research.
Here is what he found: Apparently they are a company that uses “sophisticated algorithms” to compute how to best pay down a mortgage using a HELOC and a Money Merge Account, with the end result being that the mortgage is paid off in fewer than 30 years. (Their preferred statistic seems to be 11 years.) I’d appreciate any information or opinion you have regarding money merge accounts or UFF; a bit of web research comes up with inflammatory chats and the company’s own claims, but nothing from a reliable third party. Okay I set a time to meet an we talked math we worked on an Analysis.

Friends the bottom line is do your own homework! Go to the company website! Check the Better Business Bureau, but don't let someone tell you it doesn't work especially if you don't even know that person.

Let's look at some facts:

1.The homeowner sets up a home-equity line of credit (HELOC), borrowing against the value of his property.

2.The Money Merge Account calculates all of the variables in your budget.

3.The homeowner does not deposit his paychecks, etc. into a traditional savings account, but applies them to pay down the HELOC.

4.When the Money Merge Account reaches an optimal level it will prompt you to send additional money borrowed from the HELOC to your principal balance.

5.Though the HELOC will likely have a higher interest rate than the primary mortgage, it’s actually cheaper to maintain because of the way the interest is calculated.

6.In the case of United First Financial, all of the timing for these actions is prompted by proprietary software, for which the homeowner pays a one-time fee of $3500. These prompts are not mandatory, but if they’re not followed, it defeats the purpose of the program.

7.This Program works: So do the math and then see which way is cheaper for you to live.

8.I have had people ask me why not just send extra additional income every month?

Here are some of the reasons:

Pre-payment is the basis for all plans designed to help you pay your loan off sooner – whether you choose to “do it yourself” or enlist in the help from your lender, bank or from a third party program.

If no additional money is applied to the balance of the loan,
Then there is no adjustment to length of the term or amount of interest paid.

If this is so simple – why don't we do it? I have listed some of the most common reasons why we just don't send a little extra when we can.

We are not aware of the benefits.
We are unsure we will feel the impact of the additional payments.
We do not have any additional money to send.
We will need that additional money for an emergency.
We do not know how much to send and when to send it.
We do not like the restraint of a budget.
We don't understand the power of leverage.

Reasons 1 and 2 stand out as the “motivators.” If we are not aware of the “benefits and the impact” – we may not realize what we are missing out on!

Why should we do something with no goal or purpose? What’s the point?

If you take a few minutes of your time and read the guide I have created about this program than perhaps you as a homeowner could use logic when deciding if this program can benefit your actual situation. Remember this program is not for everyone, but for those who are using it. It is changing their finances in a positive flow forever.

Good Luck
Juan
info@mortgagefreefinancial.net

http://www.mortgagefreefinancial.net/

It's not about selling software, It's about helping you pay your mortgage off sooner save interest and take the money to invest in what you want... Remember there are people out there who could care less about your financial position in life. So there comes a time for you to question yourself in order to make the necessary adjustments and make things happen.

Thomas Edison: Dreamed of a lamp and began to work on his dream until he actually made it a physical reality. This is what the money merge account offers a new way a new direction to becoming mortgagefree by eliminating the high dollar amount of interest paid for your home loan. Other wise known as the true cost of borrowed money.

Turn Your Retail Interest Rate to wholesale

2008-04-09T20:07:00.000-07:00

Turn Your Retail Interest Rate to Wholesale Interest Rates

Turn Your Mortgage Into A Wholesale Mortgage

by: Juan Tanon
Instead of paying retail for your mortgage would you like to turn your existing first mortgage into a wholesale mortgage? Would you like to cut the interest rate on your existing mortgage in half without refinancing and without making extra payments out of your pocket? Of course you would. Who wouldn’t! Now before you say, it is too good to be true, keep an open mind. Already in Australia and the United Kingdom thousands of homeowners are doing this and drastically reducing their interest costs and how many years they pay on their mortgage. This started about 8 to 10 years ago in Australia. The estimate for Australia is that almost half of the homeowners are using this system to pay off their 30 year mortgages in less than half that time. This system has now come to the States, and thousands of people are saving hundreds of thousands of dollars by paying off their mortgage years early. United First Financial has set up a program that helps homeowners restructure their banking relationship so that they are able to cancel years of interest payments. With their web based software and the Money Merge Account, homeowners can take control of their money and build wealth rapidly. Currently, there are over 10,000 people using the MMA program. In April 2007, 1,200 people signed up with United First Financial to pay off their mortgage sooner. By tying your checking account, your first mortgage and a home equity or advanced line of credit into one virtual bank account, the MMA pays down your principal on your first mortgage years ahead of the regular amortization schedule. This results in reduced interest cost and builds equity in your home years faster. Now it doesn’t work for everyone. Families or homeowners who owe more than their home is worth are probably not going to be helped. If you can’t control your credit card spending habits, it also may not work out for you. But for many families and homeowners this is a great way to own their home years earlier.

Visit our website:
http://www.mortgagefreefinancial.net/

For a more detailed explanation, there is a 15 minute video presentation that explains more of the details of how the Money Merge Account works at: http://mortgagefreefinancial.net/uff-intro.html

Welcome to mortgagefreefinancial's blog

2008-04-09T06:53:00.000-07:00

We are commited to helping you understand this program! We are here to help you own your home free and clear with little to no change in your current cash-flow!

In this blog we will go over the money merge account in very simple to understand steps. However if you have questions you may contact us at any time. This program has put thousands of dollars back into my pocket in just a short time. I want to take the time to show you how it works, why it works, the requirements, and the most important of all doing the MATH. This program uses numbers to calculate your future predictions, which can change based on the current income and future income you make.

Welcome to a new approach!
If you are commited to understand the money merge account program we ask one thing. Get a free analysis, this will help you in understanding this program and seeing your own results...
GET YOUR ANALYSIS

Once you fill out the simple analysis form we will send you an email with a full analysis. Remember there are no obligations.

Thank You
Juan Tanon
independent agent #866305
(407) 319-3369
info@mortgagefreefinancial.net

http://www.mortgagefreefinancial.net/

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Turn Your Retail Interest Rate to wholesale

Welcome to mortgagefreefinancial's blog