The Money Merge Account System Shrinks Debt Fast Track Out of Debt

United First Financial
The Money Merge Account System
Shrinks Debt

21ST CENTURY FINANCIAL TECHNOLOGY IS HERE!

The founders of UFirst^TM were recently awarded:

SO JUST WHAT IS THIS MONEY MERGE ACCOUNT^® PROGRAM?

A NEW AND DIFFERENT WAY
OF USING YOUR MONEY
THAT PUTS YOU ON THE
FAST TRACK OUT OF DEBT

Future Dictionary Defintion:

Money Merge Account program ~ noun
Originated in 2005

1. A simple to use, point and click money mangement software program with live coaching support that looks and operates
just like an online check register except that when you use it, it shrinks your debt.

2. The market proven quickest path to zero debt and financial freedom.

3. A point and click tool to make your dreams come true.

4. An entirely new way of managing your money so that YOU get the maximum benefit of every hard earned dollar you make. The power of this innovative program can potentially cut the interest portion of your debtload by tens of thousands of dollars.

Does potentially keeping thousands of dollars in your pocketbook that you were otherwise going to have to give to creditors and getting out of debt years sooner sound like music to your ears?

There's an old Scottish folk song that goes, "Oh! ye'll take the high road and I'll take the low road, And I'll be in Scotland afore ye."

Obviously the words of the song are pointing out that there are longer and shorter paths to get to the same place.

With regard to paying off a typical mortgage you can take the high interest road of many years or you can take the low road and get there in as little as 1/3 to 1/2 the time.

And of course if you get to the end sooner you also saved a whole lot of money that you otherwise would have to pay to interest.

THE MONEY MERGE ACCOUNT PROGRAM IS THE LOW ROAD PATH TO BEING COMPLETELY DEBT FREE.

How You Think About Money
Makes a Big Difference

Here are some simple lessons about money to illustrate how the Money Merge Account system achieves these powerful results:

In our economic system money moves from person to person every time something of value is exchanged. This exchange can be from a consumer to a vendor of goods or services or it can be an exchange for labor between an employer and an employee including whatever it is that YOU do for a living.

Whether you are an employee or run your own business you get paid and you have bills and expenses and there is a timing factor where your money stays in your pocket until it has to leave to pay an expense.

So for each of us money comes in and money goes out and we all participate in an economic system that has been designed by large financial institutions and their influence in government.

Here's a silly question for you: Do you think the creators of the economic system designed it for your benefit or their benefit?

Hmmmmmmm.......

Maybe there's a reason that the bank's house looks like this and our house looks more like this:

LEARN TO BANK LIKE THE BANKS BANK

Banks are in the business of managing money and they do it very well. Their entire system is designed to take advantage of every penny by knowing exactly where it's at, how long it sits in any one place, where it's going, what they can charge others for using it and how it can be leveraged and multiplied in many other ways as well. Making more money out of existing money is what they do.

And oh by the way, do you know where banks get their money to make all this other money with?

We bring it to them every payday and hand it over to them for safekeeping and convenience.

We tend to think that we have our money "sitting in the bank" but our money is not in the bank. It's actually out being used by the bank to make more money for the bank. That's their business.

Now we can't begrudge them for doing a good job but perhaps we can take some pointers from them and improve our own financial lives by learning something about the way interest works.

There is an old saying about interest that goes something like this: "Thems that understands it earns it, thems that don’t pays it." The one sure way to get ahead financially in life is to earn or eliminate interest, and the one sure way to fall behind is to pay it.

Here's something obvious that most of us never give much thought to mostly because we were never really taught about it: when money comes into our lives it must have a parking place to sit in until the demands of life require it flows out again.

For most of us that means having a checking and savings account. We simply don't question the relative wisdom of this positioning because after all, its very normal, it's what people do. Our moms and dads did it and their parents did it and their parent's parents did it.

It's normal.

It's also an extremely wasteful use of our hard earned dollars. Money left in savings and checking accounts makes little or no interest and creates no leverage at all... for us.

You see, the interest and leverage our money is earning is being earned by the bank. We work hard for it and then simply by the default of using checking and savings accounts as our parking places we grant them use of it to make their fantastic profits with. It's a sweet deal... for the bank.

But for us its like having an invisible hole in our bank account where the power of our money is leaking out and we are not even aware of it.

The Money Merge Account system finds and plugs the leaks by leveraging the bank's systems to the user's advantage.

Maybe you've heard of this strategy before. It's called OPM or "other people's money" and it is one of the the key cornerstone components of the fortunes of the wealthiest people and businesses in the world.

So what we want you to know is that there are other much more opportune parking places for your hard earned dollars. In fact there are parking places that will allow YOU to gain the benefits of OPM for yourself.

Another obvious thing about money is that as it passes from one point to another within our economy there are options as to what path it will be sent down. There are high roads and there are low roads; the long expensive ways or shorter inexpensive ways.

I guess you could say that it literally pays to know the distinction and learn the various routings that will
MAKE YOUR MONEY WORK FOR YOU.

The Money Merge Account program strategically repositions your money so that it is parked for the optimal amount of time in the most optimal place and takes the most optimal pathway out when its time to pay a creditor.

THE RESULTS ARE THAT YOU SATISFY YOUR DEBTS MUCH SOONER AND WITH FAR LESS INTEREST BEING PAID-
MEANING THAT YOU GET TO
KEEP MORE OF YOUR MONEY
IN YOUR OWN POCKETBOOK.

DOES THAT SOUND LIKE SOMETHING YOU MIGHT ENJOY?

IF YOU WANT TO GET OFF THE HIGH INTEREST ROAD AND ONTO THE FAST TRACK LOW ROAD OUT OF DEBT CLICK HERE TO BE CONTACTED BY A UFIRST^TMAGENT.

SOUND FAMILIAR?

I OWE, I OWE SO ITS OFF TO WORK I GO.

Getting nowhere fast?

Want to exit the survival treadmill?

You've come to the right place!
The Money Merge Account^TMsystem is your
DOORWAY OUT OF DEBT.

Now you can work smart, not hard.

MAKE YOUR MONEY WORK FOR YOU!

LEARN TO BANK LIKE
THE BANKS BANK AND
GET ON THE FAST TRACK
OUT OF DEBT NOW.

TAKE THIS SIMPLE EYE TEST AND SEE IF YOU SEE WHAT OTHERS SEE:

DOC SEZ:
(Sit at a normal distance from your computer screen and see which side is the clearer choice).

FINANCIAL OPTOMETRY CHART

Money Merge Account Graph

Hmmmmmmmmm.......
Which is clearer? The left side... or the right side?
If you had a choice which one would you pick?

WITH THE MONEY MERGE ACCOUNT SYSTEM
YOU DO HAVE A CHOICE

THE NUMBERS TELL THE TALE
THE CHOICE IS YOURS TO MAKE

CONTACT US NOW FOR YOUR OWN NO COST, NO OBLIGATION ANALYSIS AND SEE WHAT YOUR PERSONAL FINANCIAL OPTOMETRY CHART SAYS
ABOUT YOUR FUTURE

CLICK HERE
TO HAVE A UFIRST^{TM

AGENT GET BACK TO YOU SOON}

A LONG RANGE VIEW OF THE MONEY MERGE ACCOUNT SYSTEM:

RETIREMENT WITH DIGNITY

With all the excitement surrounding the introduction of the Money Merge Account program and the very impressive results that tens of thousands of UFirst's clients across Canada and the U.S. are getting it's easy to overlook the long term benefits of being out of debt years sooner.

There's a great buzz about the product but the legacy the product creates deserves equal time.

Take a look at the comparison chart above. Not only did that sample family eliminate almost $90,000 in scheduled interest payments, they eliminated 225 monthly mortgage payments as well.

TURN YOUR MORTGAGE INTO
YOUR RETIREMENT ACCOUNT

If this family had a mortgage payment of $1000 and decided to act in a disciplined fashion and continued to make their monthly payment into a safe and conservative investment vehicle, at just 4% ROI compounded quarterly they would have a potential cash accumulation of over $342,000 when they would be arriving at the end of their standard mortgage contract with only a handshake and the deed.

Think about that for a moment. How would YOU like to arrive in your golden years with that kind of money built up?

Visit the grandkids. No Problem.
Travel the world. No problem.
Usual home maintenance needs. No Problem.
Help the grandkid's college fund. No Problem.
New cars when you need them. No Problem.
Steak and lobster instead of frozen dinners.
Sleep well at night knowing you have an adequate "life happens" cushion. No Problem.
Your favorite pastime here___. No problem.

Do you have a plan for retirement that can match the Money Merge Account program?

Would you like one?

CLICK HERE TO HAVE A UFIRST^TM AGENT CONTACT YOU

HOW DOES IT WORK?
IT WORKS GREAT!
YEAH, BUT HOW DOES IT WORK?

Click Here to View a Short Video

Award Winning Money Management Software

Ernst & Young Details

What Would You do if You
Didn't Have a Mortgage Payment?

Life Without Debt

JUST DO THE MATH:

+ Survival Treadmill

=

MONEY MERGE ACCOUNT SYSTEM - FEATURES, BENEFITS AND COSTS

^{THE PREDICAMENT}^{Most everyone has financial goals and dreams but not everyone achieves them.

How are you doing with yours?}

^{The path to financial freedom and security seems to be fraught with pitfalls. Just when you get ahead on savings the furnace in the house or the transmission in the car goes out. Before you can get the savings built back up the refrigerator dies so you have to reach for the credit card and you just bought that flat screen TV last month. Oh well, you'll catch up... you hope. You've got some stocks but the economy is tanking and they're hardly worth the paper they're printed on now. The 401K plan at work has lost more than half its value since the beginning of the year and it doesn't look like it’s going to be coming back up any time soon. That adjustable rate mortgage sounded really good when you refinanced the house but now you can hardly keep up with the increased payment. The next door neighbors aren't doing much better. They got that interest only loan planning to sell in two years but now that the values have dropped below what they paid... well, they're between a rock and a hard place. So many things can conspire to work against you. For all your plans it seems like there's always something that's setting you back and keeping you from getting ahead.}

^{THE SOLUTION}
^{Bank like the banks bank. Make your money work for you.}

^{While the Money Merge Account system cannot stop unexpected expenses from happening it will help you manage them in a far more effective manner. By strategically repositioning your money and managing the timing of its flow the Money Merge Account system can help you stay on the fast track out of debt even when there are headwinds that would ordinarily blow you off course. It also adds a nice little "life happens" contingency component to your financial position. Whatever happens, the Money Merge Account system is going to adjust itself to your real time situation and continue to give you guidance towards your goals of becoming financially free. The Money Merge Account system is the closest thing anyone will ever have to a guarantee that they will reach their financial goals and realize their hopes and dreams. There has never been anything like this available before. To have a step by step guidance system that keys from your personal situation and dynamically adjusts to any and all fluctuations in your cash flow is to have a huge advantage in navigating an economic system that's designed to benefit itself at the expense of the average person.}

^{GREAT VALUE}
^{Learn the difference between an expense and an investment.}

^{When first hearing about this remarkable product everyone wants to know, “How much does it cost?” And although this is certainly understandable it’s the wrong question if you want to get the right answer. Most of us operate in the world primarily as consumers. It’s a mindset. We have to be careful to make sure that we don’t fall behind by spending too much money so we come at life with a protective stance in place. “What’s this going to cost me?” But remember, the Money Merge Account system is going to help you ‘bank like the bank banks.” And how do banks look at money? Like the investors they are. An investor looks at the Money Merge Account system and says, “How much money is this going to make me?” So the Money Merge Account system begins to reshape your thinking in a positive way before you even purchase it and this is a good thing. The educational component of the product is equally as important as the software is. United First Financial® is committed to empowering people to gain a practical wisdom about how money works so they can lead better lives and we happen to have a piece of software that insures that will happen.}

^{If all we had was a piece of spreadsheet software I would agree that the $3500 price tag would be in the higher range for this sort of thing. But because of what our software is proven to do it’s much more appropriate to look at it in terms of not what it takes from you but what it produces for you. If you could have your own personal financial advisor and accountant on retainer 24 hours a day, 365 days a year who never makes a mistake and always tells you how to save the absolute most money and plots the most precise and quickest course to zero debt potentially saving you tens of thousands of dollars and this assistant would be at your beck and call for the rest of your life how much do you think a service like that would be worth?}

^{Its one price for lifetime use and you get all upgrades seamlessly at no additional cost. You can move it from property to property or even use it on multiple properties simultaneously with a special accessory called The Optimizer. For less than the cost of a fancy cup of coffee per day you can have a transformed financial future and a retirement with dignity. The Money Merge Account software could potentially pay for itself many times over. So,... how much does it cost? Wrong question. This has got to be one of the best deals in the world, bar none.}

^{EDUCATION IS KEY}
^{What you don't know that you don't know may be costing you a fortune.}

^{As the old saying goes, "Knowledge is power." Actually that's not quite right. The application of knowledge is power. There's a vast difference between knowing something and acting on what you know. Without action knowledge is nothing but an idea and even if it’s a really good idea, it and 4 bucks will get you a cup of that fancy coffee but that's about it. Another old saying goes, "What you don't know can't hurt you" and that may be true for some things but when it comes to financial matters, well that's another story entirely. One of the main reasons that so many good people are struggling financially in life is that they never learned some very basic information about the mechanics of how money operates. This absence of understanding insures that they will continue to passively feed the system by taking the long and winding, interest filled route of perpetual debt on their way through life.}

^{"If you think education is expensive, try ignorance." Derek Bok, Past President Harvard University 1997-1990}

^{United First Financial is committed to remedying this all too rampant ignorance with their live coaching and money management software system that actually reshapes the user's understanding of how their day to day financial choices are impacting their long term goals. When people engage with the program they begin to get immediate visual feedback about the effects of their spending and saving habits. When you can directly perceive what your dollars are doing, either for you or against you, you begin to eliminate those behaviors that were working against you and increase those behaviors that build wealth. Gaining a practical wisdom about the mechanics of money allows you to navigate the financial landscape with confidence and the certainty that you can achieve your dreams. Of course it’s comforting to know that the Money Merge Account software is there to provide you with the step by step action plan you can rely on to make sure you stay on track.}

^{EASE OF USE}
^{If you can manage a check register and point and click a computer mouse you have what it takes.}

^{The Money Merge Account software operates almost identically to your checking account. This means that you notice little if any difference in how you live your life. You are still moving money in and out of a bank account like you’ve always done. The only difference is the account number at the bottom of the checks you write. For many people it only takes about 10 minutes a month to maintain but many other people spend a lot more time with it because they love the educational component that comes from being able to get immediate visual feedback on the effects of spending money. Using the product imposes a healthy discipline and an awareness of what constitutes the wisest use of your money.}

^{ACCESS AND MANAGEMENT}
^{Total security, streamlined upgrades and full self control. You are always in the driver's seat.}

^{The Money Merge Account software is an online, web based system that is encrypted and password protected. You have 24/7 access to review and manage your checking account, your savings account and your line of credit if you have one. You can review the progress that you are making on the equity acceleration of your mortgage and at all times you can view the coming 90 days and see your plan of action laid out before you. If there are any big expenses coming up the software will list and calculate them into your overall progress plan. There’s never any guesswork involved and it will never let your money get out of control. No one but you ever has control of your money and you can view your account from anywhere that has internet access.}

^REPORTS
^{Track your progress. See the future. Make informed and educated decisions. Reap the rewards.}

^{Like the dashboard on your car the Money Merge Account software will show your progress in real time in little windows that look like gauges. You can see how many years/months you have left to go and you will see the month and year you will be completely out of debt. Being able to see a defined finish line imparts a sense of focus and incentive on achieving financial goals for many people. There’s a great sense of satisfaction that comes from being able to see your interest savings building up in real time.}

^{TRUE COST}^{Keeps the big picture of your financial goals in view at all times & let's you see how each expense affects them.}

^{By defining a time line for becoming debt free you create a reference point to measure your progress against. Along the way you may consider from time to time purchasing some luxury items or perhaps some exotic travel, etc. The True Cost feature will give you a “what if” readout of how much these expenses will really cost in terms of how they impact your overall financial picture. For instance, a first class cabin on a Caribbean cruise might add six extra months of mortgage payments to your jubilee date whereas a mid level cabin might only add two. The benefit of this feature is that you can enter hypothetical expenses and see how they affect you before you actually carry them out. When you can make informed choices rather than emotional impulse purchases, you can stay on track with your financial goals (or alter them should you wish) from an empowered perspective.}

^{THE OPTIMIZER CONVENIENCE PACKAGE}^{It's like having an auto-pilot for moving your money and an electronic butler who pays your bills.}

^{Makes your life a breeze when it comes to executing daily transactions. Just "set it and forget it."}

^{* Can be accessed from any computer and even your iPhone

    * Manages the simultaneous equity acceleration of multiple properties

    * Fully automates online bill paying - one click can pay them all in a batch

* Establish individual Money Folders to keep track of your budget and your balances}
^{* Customize your financial dashboard with the statistical readouts most important to you

    * Emails or texts you when a bill is due and executes the payment at the touch of a button

    * Adjustable Aggressiveness Scale can be set in conjunction with fluctuations to your cash flow

    * Assesses financing options on major purchases and investments and shows you which is best for you

* Best Time to Buy feature tells you the optimum time to make major purchases for greatest interest cancellation

* Generates additional reports above and beyond those included with the standard Money Merge Account product}

^{This is an add on for $24.95 per month. It is required if you wish to manage the simultaneous equity acceleration of multiple properties.}

^{The Optimizer allows you to set up an automatic, online bill pay feature that will make your life a breeze when it comes to dealing with the monthlies. This is truly a “set it and forget it” operation.}

^{For those recurring bills that maintain a consistent amount from month to month a simple push of a button will pay them all in a batch.}

^{The Optimizer synchs up with your email and the text messaging feature of your cell phone in order to alert you to when it’s time to pay your bills. For those bills whose amounts change from month to month the Optimizer will contact you via email or cell phone (however you choose to set it up) when a bill is due and asks you if you’d like for it to pay the bill.}

^{Press 1 for yes, 2 for no. What’s the amount? With the push of a button you’ve taken care of the bill and it instantly integrates the executed expenses with your Money Merge Account display screen.}

^{For those who are tech savvy, the Optimizer will operate from your iPhone if you wish.}

^{We mentioned the True Cost feature of the standard Money Merge Account program. With the addition of the Optimizer another feature called Best Time to Buy comes online. For those major purchases that you must make (like a new set of tires for instance) the Optimizer will monitor all factors and alert you to the best day to make the purchase to save you the most money in canceled interest.}

^{The Optimizer will allow you to customize the gauges on your financial dashboard so you can track your performance by over 30 different factors. You can drag and drop the gauges that are most meaningful to you. Want to keep an eye on when your mortgage is going to adjust? Want to keep a visual running tally on how much principal you've paid down or how much interest you've eliminated? It's up to you.}

^{Thinking of selling? Want to generate a report that anticipates your equity acceleration for just the next year? Easy deal. Other detailed reports are also available depending how you wish to key them.}

^{If you have an irregular income it has an Aggressiveness Scale which you can set in relation to your cash flow. Making plenty of money? Set it high. Having a thin couple of months? Set it low. There are 6 positions to allow you to dial it in to suit your changing needs.}

^{If you are going to finance a major purchase like a new car for instance the Optimizer will help you compare different options and show you which plan will be best for you in relation to your overall financial picture. If Dealer A offers 4% for 60 months with a $500 payment and Dealer B offers 3.5% for 72 months with a $450 payment and Dealer C offers 3% for 90 months at $300 which would you choose? The Optimizer will not guess. It knows.}

^{Now here’s an interesting idea to consider. The Optimizer package will help you manage everything so precisely that it will most likely improve your overall payoff time and increase your interest savings. Of course everyone’s situation is unique so we cannot make a blanket statement but the Optimizer could potentially save you more on a monthly basis than you are paying out to use it.}

^{Now that’s a good deal. And when you consider how much time and hassle you're going to eliminate from your life by having everything on automatic it's a fabulous deal.}

^{CLICK HERE TO HAVE AN AGENT CONTACT YOU}

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United First Financial, its independent agents and subsidiaries provide 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 representation made by any third party which are not included in the Money Merge Account™ Limited Guarantee. Results will vary and are determined by individual finance situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your United First Financial Agent for further details.