The Money Merge AccountTM Program
"Interest Cancellation" on your Mortgage
"Interest Cancellation" on your Mortgage
Money Merge AccountTM System - Own Your Home in Record Time:
Welcome to our introduction of the Money Merge Account system from United First Financial. In this section of our site we'll take you through the program and do our best to give you a complete understanding of it. What is the Money Merge Account program? First, know that it is NOT a bi-weekly payment program or a debt roll-up or debt roll-down program. These early pay-off schemes require a change in lifestyle (which we believe most Americans don't want) and are too slow for our purposes of helping you pay the least amount of interest to service your debt. Note that we don't think these programs are bad. If you can do them, they're better than not doing anything, but we believe the Money Merge Account system is a far better choice.
The Money Merge Account program IS the best way to apply the "interest cancellation" strategy which we teach in our My Debt EdgeTM Advanced Credit Strategies workshops to your mortgage. What does this mean to you? For those who qualify for this unique program, this means owning your home in as little as 1/2 to 1/3 the time, potentially
saving you thousands of dollars in interest. The Money Merge Account program does not require you to refinance your first mortgage and also requires little or no modification to your current standard of living or to your cash flow.
The easiest way to learn about the Money Merge Account program is to join one of our weekly LIVE web presentations. You can view our events calendar to see our weekly schedule. To receive an invitation, you'll need to request the Web ID number for the event you'd like to attend. Click on the event in the calendar to view that information and to register for the event. If you are unable to attend one of our live educational events, please read on. We'll do our best to explain to you how the program works.
An Overview of the Money Merge Account system:
On this page you'll get an overview of the Money Merge Account program which will show you why it is so popular and more importantly, why it is so powerful. If you need more information than is on this page, make sure to sign up for our My Debt EdgeTM E-Newsletter and Webinars. We'll make sure you get all the information you need about the Money Merge Account program, it's history, how it is used, how financial professionals are using it to help their clients and why we feel it is the best financial tool in existence today for consumers who have mortgages and want to become debt free.
The TRUTH about the Money Merge AccountTM Software:
It is important to understand that any person can accelerate the payoff of their mortgage. Most people know this, but few ever take advantage of it. The Money Merge Account service is the fastest and most logical way to accomplish this. More importantly, the program makes sure that your money is always giving you maximum benefit. It works because instead of you loaning your money to the bank to use until you need it (which is what you do by depositing your money into your checking and savings account), you essentially loan it to yourself. While it is waiting for you to spend it, it is canceling interest and giving you benefit.
Is this service for you? Begin by asking yourself this question: "How has what I've been doing worked for me up to now?" If you are on track to pay off your mortgage in 1/2 to 1/3 the time, you may not need this program. But what if using this system could help you save even more time and more interest? It might be worth it. If you're not on track, and what you've previously done hasn't worked for you, you should give the Money Merge Account system some strong consideration. At worst, learn about it to understand how you may be able to apply some of the principles yourself.
The Debate
Anytime there is something new which gains massive and rapid popularity, a debate on the effectiveness or validity of it seems to develop. This generally occurs when people who don't understand it talk about it. Based on the research the we at the Debt Free Project did on the Money Merge Account system (over 300 hours), there is tremendous conversation on the web in the blogs and forums regarding the validity of the Money Merge Account software. Some sites even go so far as to say the product is a scam. We found many comments like, "you can do this yourself, why pay X dollars to do it", or "you'll end up paying way more by using the Money Merge Account program". To put show conclusively that the program does work, we've used the information from the above video to do a direct comparison to the "apply all of your extra money" method. Click Here to see the comparison and how the Money Merge Account program measures up. Most of the debate about the Money Merge Account system, (Money Merge Accounts or MMA's as they are called on many websites), was by people who either don't know or don't understand all the financial principles involved... or, possibly by people who are concerned their paychecks are going to shrink because their customers will refocus their money towards being debt free instead of towards investments. What we didn't find when we did our research was any legitimate person who had used the program, saying it didn't work for them. This included research into the Better Business Bureau and the State of Utah Attorney General's office. If you like, use those links to research the information for yourself. So, what's the truth about the Money Merge Account system? It works and it works VERY well. In fact, it works better than any other method we've tested it against to date. We believe it can change your financial future if you qualify for it and you use it.
Why You Need the Money Merge Account Software:
Your first question is probably the same one asked by the tens of thousands of other people who have been introduced to and purchased the Money Merge Account program. That is "Why would I need software to implement the interest cancellation strategy to pay off my mortgage early? Isn't it just a matter of transferring money from my ALOC to my first mortgage and using my discretionary income to pay down the ALOC?" The answer is no. Although that strategy will produce excellent results and will prepay your mortgage years sooner, it does not produce the same results as the Money Merge Account system. Not understanding this basic concept may be why there is so much confusion about the Money Merge Account program. During our research, we found that most people who claimed that anybody can do what the Money Merge Account software does, believes that the program focuses all of your discretionary income towards paying off your mortgage. That belief is NOT true. Although discretionary income is a major factor in making the system work, it is far from the ONLY factor. Not only does the software recognize how much discretionary income you have, one of the software's main functions is to leverage the power of that money to maximize its effectiveness. There are other key factors as well, such as maximizing stagnant money to minimize interest using the interest offset principle. In addition to the mathematical functions, there are also behavioral benefits that come as a result of the software's financial dashboard and the lifetime coaching program. The goal of UFirst is to provide you a vehicle which gets you out of debt and enables you to be a better steward of your money. One of the benefits of the software is that clients can easily see the impact of how their immediate financial decisions will impact their long term goals.
As we point out on our "Interest Cancellation" page, your money gains or loses its power 3 ways. First, by working for you or by being stagnant (sitting in a checking or savings account earning little or no interest), second by being or not being fully leveraged, and third, by how interest is charged (the 6% closed end loan vs. a 10% open end loan example in the interest cancellation video). The challenge in attempting this on your own with your mortgage is that the math is difficult to figure out and more important, nearly impossible to implement without the software and coaching. Here's why.
In order to be 100% effective in using these strategies with your mortgage, you would have to create a mathematical equation which would optimize your money's REAL-TIME performance (key word is real-time) against two diminishing derivatives, each being figured through different compounding using different forms of interest calculations (generally average daily balance calculation vs. a fully amortized interest calculation). In other words, how much do you make (your income) and when is it deposited; how much do you spend and when do you spend it (monthly living expenses); how much would you transfer from your ALOC to your first mortgage (known as a funds transfer) and when would you transfer it (to minimize the interest); and finally, once you've figured all of that out, what was the effect of the transfer and when should you do it again? Then, providing you figured out the math and created the spreadsheet, then comes the discipline. Could you and would you be motivated enough to stick with the plan every month? Also, what happens when your numbers change (income goes up or down or spending goes up or down) as life happens. It would be a daunting task that most of us wouldn't do, even if we could.
More About the Money Merge Account Software:
Thankfully you don't have to figure it all out. United First Financial has perfected the math in the Money Merge AccountTM software. The software has an extensive math engine that automatically does all of the calculations for you, real time. Regarding the exact mathematical formulas, nobody (outside of certain United First Financial employees) knows the exact formula. It is patent pending, proprietary, and well protected. To develop the math engine, UFirst hired a math engineer and then created a core team of developers to continually enhance the software. UFirst spent millions in its original development of the software and continues to expand on that development.
The Money Merge Account Program:
When you activate your license for the Money Merge Account software, you are really activating the Money Merge Account "program". The program consists of the following components:
How powerful are the results you can get from using the Money Merge Account software? On average, using just their current income; without refinancing their current mortgages; and with little or no alteration to their current standard of living; our clients (again, on average) are scheduled to pay off their mortgages and all of their other listed debt in 1/2 to 1/3 the time. Focusing on just the mortgage, here are some numbers for your consideration.
Let's say you currently have 28 years left on your mortgage and that by using the Money Merge Account System you could cancel out interest and accelerate your pay-off date making your home paid free and clear, including your ALOC, in 13 years. That would be 15 years of mortgage payments you would never make, right? Let's apply some math figuring a mortgage payment at $1000.00 a month. Fifteen (15) years of mortgage payments, at twelve (12) payments per year is one hundred eighty payments (180). At $1,000.00 per payment, that's $180,000.00. That's all money you would get to keep. What would you do with it? Put it towards a rental property or other investments? Improve your lifestyle? Add to your retirement? If you had no mortgage payment, the choice would be yours wouldn't it? Please note: Your results are going to be different and these results are for example purposes only.
Best of all, it can potentially save you thousands in interest. Why do we say potentially? Because every person's financial situation is different. It may or may not work for you. Because of that, you have to qualify for it. In other words, the service has to be of benefit to you and you need to be able to secure the ALOC to make it work. If the Money Merge Account product won't work for you, United First Financial won't sell it to you. Why? Because UFirst fully guarantees the results. What that really means is that they guarantee the math behind the product. The guarantee is simply that if you follow the suggestions from the software, it will do what it says it will do for you, or you get your money back. It's that easy. Best of all, before you decide whether or not to the program will be right for your situation, you can see how it will work for you and how much money you could save by using it.
Here's the GREAT News about the Money Merge Account. If you qualify, you could change your family's entire financial future, possibly for generations to come. We're not kidding. When you understand the power of what the Money Merge Account program can do for you, you're going to send us the biggest "THANK YOU" card you can find and you'll be happy to tell all your friends about the Debt Free Project. In fact, nearly every customer that we have using the Money Merge Account system gives us multiple referrals. We're not just saying it changes lives. It really does.
Does the Money Merge Account program sound too good to be true? That's what most people think and frankly, it's what we thought too. However, after our hundreds of hours of research, numerous litmus tests, reviews by financial professionals, testing the program ourselves, and even using it on our own mortgages, we found that it is true. Not only is it true, it's easy. What are actual customers who are using the Money Merge Account system saying about it? Click on the testimonial buttons to see.
Money Merge AccountTM Software and the Debt Free Project:
Debt Free Project agent are experts on the Money Merge Account system. Each Debt Free Project agent who has met our qualifications to promote this product has completed extensive training and has become fully certified on the Money Merge Account product. Our qualification process goes way beyond the majority of most other companies or individuals promoting this product. In order to be assigned clients through the DFP, our agents must complete the initial certification from United First Financial, as well as the MMA 101 Certification and the MMA 102 Certification. Additionally, DFP Agents attend weekly training events and many other corporate events to make sure they are always up to speed on this product, as well as the plethora of "me too" products which seem to be popping up as a result of the popularity of the Money Merge Account service. We do this to ensure that our clients receive the best possible information available.
Because these financial fundamentals are probably new to you, the most important thing you can do is to open your mind and learn about them. It may take you a few times of reading our articles or watching the available videos to grasp the concept. Once you've got it, then make an intelligent decision whether or not it's right for you. Outside of this web page, another good place for information is the official UFirst Money Merge Account program blogs and forums. There you can see how the program has worked for other clients. We promise, if you have a mortgage, you'll be glad you took the time to understand the Money Merge Account system.
Have more questions about the Money Merge Account program? Check the Money Merge Account program F.A.Q. area. We've posted the top 30 questions and answers there. Still have questions? Contact Us. We are experts on this product.
Next Page... "Get Your Free Money Merge Account Analysis"
Welcome to our introduction of the Money Merge Account system from United First Financial. In this section of our site we'll take you through the program and do our best to give you a complete understanding of it. What is the Money Merge Account program? First, know that it is NOT a bi-weekly payment program or a debt roll-up or debt roll-down program. These early pay-off schemes require a change in lifestyle (which we believe most Americans don't want) and are too slow for our purposes of helping you pay the least amount of interest to service your debt. Note that we don't think these programs are bad. If you can do them, they're better than not doing anything, but we believe the Money Merge Account system is a far better choice.
The Money Merge Account program IS the best way to apply the "interest cancellation" strategy which we teach in our My Debt EdgeTM Advanced Credit Strategies workshops to your mortgage. What does this mean to you? For those who qualify for this unique program, this means owning your home in as little as 1/2 to 1/3 the time, potentially
saving you thousands of dollars in interest. The Money Merge Account program does not require you to refinance your first mortgage and also requires little or no modification to your current standard of living or to your cash flow. The easiest way to learn about the Money Merge Account program is to join one of our weekly LIVE web presentations. You can view our events calendar to see our weekly schedule. To receive an invitation, you'll need to request the Web ID number for the event you'd like to attend. Click on the event in the calendar to view that information and to register for the event. If you are unable to attend one of our live educational events, please read on. We'll do our best to explain to you how the program works.
An Overview of the Money Merge Account system:
On this page you'll get an overview of the Money Merge Account program which will show you why it is so popular and more importantly, why it is so powerful. If you need more information than is on this page, make sure to sign up for our My Debt EdgeTM E-Newsletter and Webinars. We'll make sure you get all the information you need about the Money Merge Account program, it's history, how it is used, how financial professionals are using it to help their clients and why we feel it is the best financial tool in existence today for consumers who have mortgages and want to become debt free.
To begin your overview, click on the image below to watch a short 15 minute video from United First Financial. After you watch this video, it is likely that you are going to have some questions or you may not understand how the program works at all. Don't worry. This is very normal. In fact, because these financial principles are new to most of us, many (if not most) people have to watch the video several times before they understand the basic principles behind the system. If you've been to our "interest cancellation page", you will probably have a better understanding of what the system does and how it works on your mortgage. Regarding the questions you are likely to have, we've tried to answer many of them on this page. For more detailed information and to have one of our experts answer your questions, please join us in one of our live web education events or a live product showcase in your area.
The TRUTH about the Money Merge AccountTM Software:
It is important to understand that any person can accelerate the payoff of their mortgage. Most people know this, but few ever take advantage of it. The Money Merge Account service is the fastest and most logical way to accomplish this. More importantly, the program makes sure that your money is always giving you maximum benefit. It works because instead of you loaning your money to the bank to use until you need it (which is what you do by depositing your money into your checking and savings account), you essentially loan it to yourself. While it is waiting for you to spend it, it is canceling interest and giving you benefit.
Is this service for you? Begin by asking yourself this question: "How has what I've been doing worked for me up to now?" If you are on track to pay off your mortgage in 1/2 to 1/3 the time, you may not need this program. But what if using this system could help you save even more time and more interest? It might be worth it. If you're not on track, and what you've previously done hasn't worked for you, you should give the Money Merge Account system some strong consideration. At worst, learn about it to understand how you may be able to apply some of the principles yourself.
The Debate
Anytime there is something new which gains massive and rapid popularity, a debate on the effectiveness or validity of it seems to develop. This generally occurs when people who don't understand it talk about it. Based on the research the we at the Debt Free Project did on the Money Merge Account system (over 300 hours), there is tremendous conversation on the web in the blogs and forums regarding the validity of the Money Merge Account software. Some sites even go so far as to say the product is a scam. We found many comments like, "you can do this yourself, why pay X dollars to do it", or "you'll end up paying way more by using the Money Merge Account program". To put show conclusively that the program does work, we've used the information from the above video to do a direct comparison to the "apply all of your extra money" method. Click Here to see the comparison and how the Money Merge Account program measures up. Most of the debate about the Money Merge Account system, (Money Merge Accounts or MMA's as they are called on many websites), was by people who either don't know or don't understand all the financial principles involved... or, possibly by people who are concerned their paychecks are going to shrink because their customers will refocus their money towards being debt free instead of towards investments. What we didn't find when we did our research was any legitimate person who had used the program, saying it didn't work for them. This included research into the Better Business Bureau and the State of Utah Attorney General's office. If you like, use those links to research the information for yourself. So, what's the truth about the Money Merge Account system? It works and it works VERY well. In fact, it works better than any other method we've tested it against to date. We believe it can change your financial future if you qualify for it and you use it.
Why You Need the Money Merge Account Software:
Your first question is probably the same one asked by the tens of thousands of other people who have been introduced to and purchased the Money Merge Account program. That is "Why would I need software to implement the interest cancellation strategy to pay off my mortgage early? Isn't it just a matter of transferring money from my ALOC to my first mortgage and using my discretionary income to pay down the ALOC?" The answer is no. Although that strategy will produce excellent results and will prepay your mortgage years sooner, it does not produce the same results as the Money Merge Account system. Not understanding this basic concept may be why there is so much confusion about the Money Merge Account program. During our research, we found that most people who claimed that anybody can do what the Money Merge Account software does, believes that the program focuses all of your discretionary income towards paying off your mortgage. That belief is NOT true. Although discretionary income is a major factor in making the system work, it is far from the ONLY factor. Not only does the software recognize how much discretionary income you have, one of the software's main functions is to leverage the power of that money to maximize its effectiveness. There are other key factors as well, such as maximizing stagnant money to minimize interest using the interest offset principle. In addition to the mathematical functions, there are also behavioral benefits that come as a result of the software's financial dashboard and the lifetime coaching program. The goal of UFirst is to provide you a vehicle which gets you out of debt and enables you to be a better steward of your money. One of the benefits of the software is that clients can easily see the impact of how their immediate financial decisions will impact their long term goals.
As we point out on our "Interest Cancellation" page, your money gains or loses its power 3 ways. First, by working for you or by being stagnant (sitting in a checking or savings account earning little or no interest), second by being or not being fully leveraged, and third, by how interest is charged (the 6% closed end loan vs. a 10% open end loan example in the interest cancellation video). The challenge in attempting this on your own with your mortgage is that the math is difficult to figure out and more important, nearly impossible to implement without the software and coaching. Here's why.
In order to be 100% effective in using these strategies with your mortgage, you would have to create a mathematical equation which would optimize your money's REAL-TIME performance (key word is real-time) against two diminishing derivatives, each being figured through different compounding using different forms of interest calculations (generally average daily balance calculation vs. a fully amortized interest calculation). In other words, how much do you make (your income) and when is it deposited; how much do you spend and when do you spend it (monthly living expenses); how much would you transfer from your ALOC to your first mortgage (known as a funds transfer) and when would you transfer it (to minimize the interest); and finally, once you've figured all of that out, what was the effect of the transfer and when should you do it again? Then, providing you figured out the math and created the spreadsheet, then comes the discipline. Could you and would you be motivated enough to stick with the plan every month? Also, what happens when your numbers change (income goes up or down or spending goes up or down) as life happens. It would be a daunting task that most of us wouldn't do, even if we could.
More About the Money Merge Account Software:
Thankfully you don't have to figure it all out. United First Financial has perfected the math in the Money Merge AccountTM software. The software has an extensive math engine that automatically does all of the calculations for you, real time. Regarding the exact mathematical formulas, nobody (outside of certain United First Financial employees) knows the exact formula. It is patent pending, proprietary, and well protected. To develop the math engine, UFirst hired a math engineer and then created a core team of developers to continually enhance the software. UFirst spent millions in its original development of the software and continues to expand on that development.
The Money Merge Account Program:
When you activate your license for the Money Merge Account software, you are really activating the Money Merge Account "program". The program consists of the following components:
- The Money Merge Account System - The system includes the Money Merge Account software, which ties together the other two components of the system: your Primary Mortgage and your ALOC (Advanced Line of Credit). These three items make up the Money Merge Account System.
- Client Coaching - The software itself is very easy to operate. However, making sure that you are always maximizing the software to its full potential takes the help of a professional. The coaching service that UFirst provides is free for life. That means you always have access to it, whether you are using the system on your personal property, a vacation property or even investment or commercial property.
- Free Software Upgrades for Life - Because UFirst are always improving the software, and because it is web based, you never have to install new software or repurchase the software. All future upgrades are free of charge and happen automatically. Not only will you get the new software upgrades for free, but you'll also get FREE training on how to maximize your benefit from the upgrade.
- Full Transportability- Because the system is transportable, you can move the system from one mortgage to another. The software license states that you can transfer it on up to 5 properties.
How powerful are the results you can get from using the Money Merge Account software? On average, using just their current income; without refinancing their current mortgages; and with little or no alteration to their current standard of living; our clients (again, on average) are scheduled to pay off their mortgages and all of their other listed debt in 1/2 to 1/3 the time. Focusing on just the mortgage, here are some numbers for your consideration.
Let's say you currently have 28 years left on your mortgage and that by using the Money Merge Account System you could cancel out interest and accelerate your pay-off date making your home paid free and clear, including your ALOC, in 13 years. That would be 15 years of mortgage payments you would never make, right? Let's apply some math figuring a mortgage payment at $1000.00 a month. Fifteen (15) years of mortgage payments, at twelve (12) payments per year is one hundred eighty payments (180). At $1,000.00 per payment, that's $180,000.00. That's all money you would get to keep. What would you do with it? Put it towards a rental property or other investments? Improve your lifestyle? Add to your retirement? If you had no mortgage payment, the choice would be yours wouldn't it? Please note: Your results are going to be different and these results are for example purposes only.
Best of all, it can potentially save you thousands in interest. Why do we say potentially? Because every person's financial situation is different. It may or may not work for you. Because of that, you have to qualify for it. In other words, the service has to be of benefit to you and you need to be able to secure the ALOC to make it work. If the Money Merge Account product won't work for you, United First Financial won't sell it to you. Why? Because UFirst fully guarantees the results. What that really means is that they guarantee the math behind the product. The guarantee is simply that if you follow the suggestions from the software, it will do what it says it will do for you, or you get your money back. It's that easy. Best of all, before you decide whether or not to the program will be right for your situation, you can see how it will work for you and how much money you could save by using it.
Here's the GREAT News about the Money Merge Account. If you qualify, you could change your family's entire financial future, possibly for generations to come. We're not kidding. When you understand the power of what the Money Merge Account program can do for you, you're going to send us the biggest "THANK YOU" card you can find and you'll be happy to tell all your friends about the Debt Free Project. In fact, nearly every customer that we have using the Money Merge Account system gives us multiple referrals. We're not just saying it changes lives. It really does.
Does the Money Merge Account program sound too good to be true? That's what most people think and frankly, it's what we thought too. However, after our hundreds of hours of research, numerous litmus tests, reviews by financial professionals, testing the program ourselves, and even using it on our own mortgages, we found that it is true. Not only is it true, it's easy. What are actual customers who are using the Money Merge Account system saying about it? Click on the testimonial buttons to see.
Money Merge AccountTM Software and the Debt Free Project:
Debt Free Project agent are experts on the Money Merge Account system. Each Debt Free Project agent who has met our qualifications to promote this product has completed extensive training and has become fully certified on the Money Merge Account product. Our qualification process goes way beyond the majority of most other companies or individuals promoting this product. In order to be assigned clients through the DFP, our agents must complete the initial certification from United First Financial, as well as the MMA 101 Certification and the MMA 102 Certification. Additionally, DFP Agents attend weekly training events and many other corporate events to make sure they are always up to speed on this product, as well as the plethora of "me too" products which seem to be popping up as a result of the popularity of the Money Merge Account service. We do this to ensure that our clients receive the best possible information available.
Because these financial fundamentals are probably new to you, the most important thing you can do is to open your mind and learn about them. It may take you a few times of reading our articles or watching the available videos to grasp the concept. Once you've got it, then make an intelligent decision whether or not it's right for you. Outside of this web page, another good place for information is the official UFirst Money Merge Account program blogs and forums. There you can see how the program has worked for other clients. We promise, if you have a mortgage, you'll be glad you took the time to understand the Money Merge Account system.
Have more questions about the Money Merge Account program? Check the Money Merge Account program F.A.Q. area. We've posted the top 30 questions and answers there. Still have questions? Contact Us. We are experts on this product.
Next Page... "Get Your Free Money Merge Account Analysis"
United First Financial, its agents and subsidiaries
provide Internet web based software and support services. United First
Financial does not provide accounting, tax, legal, real-estate, mortgage, or
investment advice. Interested parties should seek and consult with
persons or entities licensed and qualified in those areas for advice relating
to those matters. United First Financial is not liable or responsible for
claims or representations made by any party which are not included in the Money
Merge Account™ Limited Guarantee.
