The Money Merge Account System
Shrinks Debt
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MONEY MERGE ACCOUNT® SYSTEM - FEATURES, BENEFITS AND COSTS
Lose debt, achieve your financial goals and dreams.
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.
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. EASE OF USE 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 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 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 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 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 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.
"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.
If you can manage a check register and point and click a computer mouse you have what it takes.
Total security, streamlined upgrades and full self control. You are always in the driver's seat.
Track your progress. See the future. Make informed and educated decisions. Reap the rewards.
Keeps the big picture of your financial goals in view at all times and let's you see how each expense affects them.
It's like having an auto-pilot for moving your money and an electronic butler who pays your bills.
* 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
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.
21ST CENTURY FINANCIAL TECHNOLOGY IS HERE!
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