get out of debt in 1/2 to 1/3 the time
DESCRIPTION
I've been able to pay off $24,000 in principal in just 18 months and am on track to be completely out of debt in 13 years. Would you like to know how I'm doing it? See how this innovative software program along with personal coaching can help you get out of all debt in 1/2 to 1/3 the time without having to refinance, make bi-weekly payments and with little to no change in your standard of living. Use the money you save to build up your retirement portfolio, go on vacation or buy a second or investment property. Free analysis will tell you the exact month and day you can begin living your dreams of financial freedom!TRANSCRIPT
Are You Worried About Money?Are You Worried About Money?
• 70% of people are living paycheck to paycheck70% of people are living paycheck to paycheck• 55% are “sometimes” or “always” worried about 55% are “sometimes” or “always” worried about
moneymoney- Wall Street Journal- Wall Street Journal
More than 40% of American More than 40% of American families spend more than families spend more than they earn. they earn. (Federal Reserve) (Federal Reserve)
1 in 60 US households filed 1 in 60 US households filed bankruptcy in 2005. bankruptcy in 2005. (Debt (Debt Trap Documentary)Trap Documentary)
Mortgage DebtMortgage Debt
Nearly 1 in 519 homeowners, received a fore-Nearly 1 in 519 homeowners, received a fore-closure filing during April 2008. closure filing during April 2008.
- - (U.S. Foreclosure Market Report from RealtyTrac) (U.S. Foreclosure Market Report from RealtyTrac)
Credit Card DebtCredit Card Debt
The typical household has $38,000 in debt. (Consumer Reports Money Book)
On average, today's consumer has a total of 13 credit obligations on record at a credit bureau. Of these 13 credit obligations, 9 are likely to be credit cards & four are likely to be installment loans. (myfico.com)
And the PAIN Continues…And the PAIN Continues…
If THIS doesn’t disturb you, what will?
80% of family problems are related to financial stress
Foreclosures/Bankruptcies Loss of Hope
Do you have any type of consumer debt?
Would you like to be out of debt sooner or later?
Would you trade $3 for $18 if it was Guaranteed?
If you had a choice of using your money or someone
else’s money to pay your bills whose would you use?
Principal Interest Balance Equity Paid
Month 1
Month 2
Year 1
Year 5
Year 10
Year 21
Year 30
$199.10 $1,000
$200.10 $999
$210.33 $988.77 $197,543 $2,457 $14,389
$267.22 $931.88 $186,108 $13,891 $71,946
$360.44 $838.66 $167,371 $32,628 $143,891
$696.23 $502.89 $ 99,877 $100,123 $302,173
$431,677
30 year, $200,000 Loan ■ 6% Interest Rate ■ $1,199.10 Monthly Payment
The Real Truth in Lending
Conventional Program
40 years old
30 years to zero
$247,764 in interest
John and Rebecca Jones$238,700 in Debt
$121,855 Total Interest Saved with the Money Merge Account
Money Merge Account TM
System
40 years old
15.3 years to zero
$125,878 in interest
Accelerated Equity & DevelopmentFounded by best friends Skyler Whitman and John Washenko in 1997 in Draper, Utah. Mortgage Brokers with a conscience! Bi-Weekly not fast enough. In 2002, hired a group of experts to create a Risk Free program to help homeowners achieve similar results. Spent 2 years and $2 million developing software.
The Money Merge Account Beta Test Denver, Colorado – Over 400 homeowners – Progress was tracked for 1 year in hopes their results would be similar results to Australia, and by now the UK and New Zealand.
Who is
After only 1 year on the system 98% of the homeowners were on track to pay off their home in anywhere from 8-11 years!!!
The Results:
See What the Experts Are SayingSee What the Experts Are Saying
Founders
Why does the largest building in every city have a banks name atop of it? Banks pay interest to earn interest.
Banks pay interest at <3%
Your checking, savings, cd’sEarn <3%
Banks earn interest at >6%
Your loans, credit cards, mortgages pay >6%
How do Banks Work?
REALITY
Our System teaches you to make every dollar you earn either make interest or cancel interest!
• Your Debt• Advance Line of Credit (ALOC)
Home Equity Line of Credit, Personal or Business Line of Credit, or even a credit card will work, as long as it has the correct characteristics required by the Money Merge Account.
• Money Merge Account System
Three Required Components to pay off your debt in record time:
• NOT a Bi-Weekly Program
• NOT a Debt Roll Down Program• NOT a Reverse Mortgage
• NOT a Concept or Theory
Money Merge Account
Four key money saving principals
1. Interest Accumulation
2. Interest Float
3. Interest Cancellation
4. Strategic Payoff
John and Rebecca Jones
Liability Structure
Debt Amount Rate Payment Term
Mortgage $200,000 6% $1199.10 360
Credit Card $0 4% $0.00 240
Income Structure
Income Expense Discretionary
$5,000 $4,800 $200
MONTH 1
MONTH 1
MONTH 1
MONTH 1
MONTH 1
MONTH 1
+$12@3%
-$199
Interest Accumulation
MONTH 2
0%
Interest Float
MONTH 2
$3,789
Funds Transfer
Interest Cancellation
$195,812 New principal loan balance
6% Interest rate
$1,199 Monthly payment
340 Months (Not 358 – Cancelled 18 months)
$231,677 Original interest paid
-$212,930 New interest paid
$18,746.21 Total Savings
Prepayment Savings Example
MONTH 3
$0
$1,223
$0
$195,800
$1
$100
$10,000
$1,000,000
Checking Savings CC Mortgage
Bank Like A BankBank Like A Bank
Sounds Simple…But It Is Millions of Lines of Code and multiple Math Algorithms HARD AT WORK!
Ever Since Banks Opened Their Doors…
They Relied On Math And Timing To Make
Your Money Work Best For Them…
Now It’s Your Turn…To Bank Like A Bank!
Computes the Optimal Time To Leverage Money to Pay Off Your Debts and Cancel Interest
How Would you Pay this off?
$10,7007%Installment Loan $4,800
4%Store Card
$8,0009%Credit Card
$20,0005%Auto Loan
$200,0006%Mortgage
12624120
Factorial Math
1 = 1
2 = 2
3 = 6
4 = 24
5 = 120
6 = 720
8 = 40,320
9 = 362,880
10 = 3,628,800
11 = 39,916,800
12 = 479,001,600
13 = 6,227,020,800
14 = 87,178,291,2007 = 5,040
Strategic Payoff
• Strategic payoff is achieved by an algorithm called factorial math
• Our strategic payoff wizard looks at these characteristic of each debt
• Amount owed, length of debt, interest rate and how the minimum payment is calculated continuously adjusting debts
John and Rebecca Jones
Liability Structure
Debt Amount Rate Payment Term
Mortgage $200,000 6% $1199.10 360
Credit Card $8,000 9% $72.00 240
Credit Card $0 4% $0.00 240
Loan $10,700 7% $125.00 120
Auto Loan $20,000 5% $377.00 60
Income Structure
Income Expense Discretionary
$5,000 $4,800 $200
Month 1
Month 1
Month 2
$3,789
Month 2
Strategic Payoff$4,800
$7,189 $1,600
Making the Right Decision
If you choose to override the system it will immediately tell you what your loss will be
for your emotional decision
Financial GPS
It guides you to…
Pay Off Debts
Save For Retirement Best Time to Buy
Track Success
The Money Merge Account is your Financial GPS
The Money Merge SystemThe Money Merge System
Periodically Your Customized Money Merge Account Program (Financial GPS) Calculates Strategic Dollar Amounts To Pay Towards
Your Debts And At The Most Optimum Time To Send It.
Optimizer Package*
• Customizable dashboard• Dashlets
• Multiple Dashboard setting
• Text Messaging• True Cost
• Money Folders
*Subscription Required (ask agent for details)
Conventional Program Money Merge Account TM
System
40 years old 40 years old
30 years to zero 15.3 years to zero
$247,764 in interest $125,878 in interest
$121,855 Total Interest Saved with the Money Merge Account
Conclusion of John & Rebecca Jones
Get Your Own Personal Money Merge Account Analysis
completed for you FREE OF CHARGE
As Soon As Possible to find out how many years of mortgage payments and
how many thousands of dollars in interest charges we can eliminate for you!!!
You have nothing to lose…except Mortgage Payments!!!
Will it work for you?
The Million $ Question is…
Thank You
Agent Opportunity
If you would like more information regarding the opportunity of marketing
this incredible service to your clients and anyone else you know who has a
mortgage, we will review the Agent Compensation Plan in this same room
from 8:45pm - 9:15pm
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.