United First Financial
The Money Merge Account System
Shrinks Debt
The Money Merge Account System
Shrinks Debt
The United First Financial® Story
The Breadcrumb Trail out of Debt
or
How a stroke of bad luck for two young friends changed the world for good.
The Breadcrumb Trail out of Debt
or
How a stroke of bad luck for two young friends changed the world for good.
How many of us can say today that we are still best friends with someone we knew when we were toddlers? Probably not many, right?And how many of us can say we’ve started a successful business with that best friend from
childhood? Probably fewer still.But that rare circumstance has led to something even rarer and here’s how it came about:
Back when John Washenko and Skylar Witman (principal founders of United First Financial) were young boys in Utah they lived in an area where the local economy was largely dependent on a big mining concern.
When the mine was producing, everyone was happy and life was good. In fact, you had the poster-perfect picture of the American Dream happening right there; dad’s going off to work in the morning with their lunch boxes in tow, mom’s baking pies in the kitchen and kids riding bikes and playing sandlot baseball or dolls after school.
But in those days an economic storm was brewing, not too different from the economic storm that’s brewing today. A big change was happening in the commodities markets and when the price of producing copper made it impossible for the mine to run at a profit the American Dream turned into the American Nightmare for many families in that previously healthy little community.
In the wake of the mine closure the Washenkos and the Witmans both found themselves in a struggle against unemployment and mounting debt but the pressures proved too much and the inevitable foreclosures forced them to move on.
They all did the best they could to rebuild their lives anew, and things eventually did get better, but the pain of that experience had indelibly impacted John and Skylar’s lives and only years later would the world come to know just how much the effects of having lived through that misfortune was to shape their destinies.
The two best friends graduated high school and shortly after decided to start a business.
And not just any business.
For two young men, just 19 years old, starting a Mortgage Company might seem like a daunting proposition but Skylar and John were driven; driven by a dedication to a deep seated commitment; a commitment to do whatever they could so that no one would ever have to go through what they went through when their families lost their homes.
They dedicated themselves to finding the absolute best rates and terms for their clients and in just 3 years time their company, Accelerated Equity and Development became one of the fastest growing and most respected businesses of its kind in the Salt Lake City area.
The trajectory of Accelerated Equity’s success was very rewarding for Skylar and John knowing they were helping more and more people on the path to becoming true homeowners but there was yet another economic storm brewing, a storm that was insidious in nature because it arrived disguised as a positive and helpful financial trend- yes, refinancing was sweeping America as "the thing to do."
To be fair, there are certainly some situations and circumstances where refinancing will make the most sense but Skylar and John found that powerful industry marketing forces were increasingly promoting refinancing as a one size fits all, easy, breezy answer to finding some quick money.
The lure of getting cash out of your home like an ATM machine and getting a lower monthly payment and a lower interest rate was heady stuff and even though John and Skylar tried to show their clients how restarting the term of their contract would in most cases put them deeper in debt, the refinancing juggernaut proved to be an irresistible force driving people deeper into long term debt while playing into their desire for short term gratification.
With the original aim of Accelerated Equity to help people realize the American Dream of true homeownership being knocked off course by these powerful marketing messages, John and Skylar stayed true to their mission and decided to fight back.
They instituted a bi-weekly payment program which would help shorten the average mortgage by 7 or 9 years, saving their clients thousands in interest, but even this incentive was not enough to buck the tide of the powerful refinancing craze. Although it was helpful for some, the bi-weekly program amounted to little more than putting a band aid on a broken arm.
Refusing to buckle under to the growing refinance tsunami they searched for a better way, a way that could help their clients attain some of the positive effects they were getting from refinancing but without having to go deeper into debt in order to do it.
Their search proved fruitful when they came across a financing method being used in a few Eastern Hemisphere countries that was allowing people to pay off their homes many years sooner while saving impressive amounts of money in eliminated interest payments.
Further investigation proved that this method would not be easily transferable to the North American banking system but the best friends knew they were on to something important and thus began the intensive research and development that has led to the remarkable Money Merge Account program that we have today.
What Skylar and John thought would be completed in a few months time by an expert mathematical engineer and programming team actually took over 2 years and $2M to get it to the place where it could be tested on actual mortgage contracts.
But what a test it was!
A test market took place in the Denver, CO area and in a year about 400 homeowners had purchased the first version of the Money Merge Account® money management software system.
After another half a year of use by the Denver test group the results were assessed and it was found that not only were 97% of the clients still on the program, over 85% of them were anywhere between 15-25% ahead of the original computer generated predictions!
Armed with these excellent results the friends decided that all their hard work and unfailing belief in finding a better way had reached the point where the official launch of a new company was justified and Accelerated Equity and Development gave birth to a revolutionary new venture.
Since the official public release in 2006, United First Financial’s Money Merge Account system has quickly spread across America and Canada where it is routinely assisting many thousands of people to aggressively eliminate their debt in a stunningly short period of time.
While it’s easy to see the immediate effects of utilizing UFirstTM’s money management software and educational coaching program many of its greatest effects will come in the form of future wealth.
Imagine being free from perhaps as many as 15-20 years worth of mortgage payments and how putting that money into some investment vehicles for retirement could reshape the financial landscape of your future and now you’re catching the vision that John and Skylar have worked so very diligently and tirelessly to create for the average person.
Never before has there been a product like the Money Merge Account system which can so easily guide the user on the fast track to a financial future free from debt. Just point and click and follow the prompts and you have a step by step path that guarantees you will be on the quickest, most direct path to zero debt possible.
And it never would have been created if the mine didn’t close down and force the pain of foreclosure upon these two best friends from childhood.
It was through their commitment to the care and compassion for others over the years that John and Skylar have nurtured their bad luck as boys into what has truly become a blessing in disguise for all of us now and for generations to come.
I'm sure we all remember from our childhood the tale of Hansel and Gretel and how the children left a trail of bread crumbs on the forest floor to guide them back home from the wicked witch's false house made of alluring gingerbread.
The gift of a practical understanding of the mechanics of money and finance and the powerful Money Merge Account software program to act as a guidance system leading us out of the dark forest of perpetual debt is the hard won legacy of John and Skylar's "bad luck."
There has never before been available a product with the mathematical precision and ease of use as the Money Merge Account program and it promises to transform the financial landscape of North America and eventually the world.
That’s the mission of UFirst, to help as many people as possible as quickly as possible to become practically educated about money and in the process gain financial control of their lives.
History will be the judge on how far reaching and impactful United First Financial’s Money Merge Account program will prove to be but there is no denying that John and Skylar's hard work and dedication to overcoming the power of debt has created the potential to lead the average person to a brighter future free from financial bondage. These are truly exciting times we are living in.
Skylar John
Click on the pic to meet the founders.
GET ON THE FAST TRACK OUT OF DEBT
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GREETINGS FROM YOUR UFIRSTTM AGENTDavid Gardener has always been drawn to the excitement of revolutionary ideas and cutting edge technologies.
Coming of age in the 60's, he strapped on a backpack, travelled the world and quested for peak experiences, seeking to understand the deeper meanings hidden just below the surface of ordinary experience.
Then came family responsibilities and many decades of working hard to keep pace with the financial demands of the world. The fun and adventure of earlier days became just a distant memory... until at a Christmas party in 2006 he fortuitously overheard a conversation that caught his attention and struck that familiar revolutionary chord in him.
The past 2 years have been a whirlwind of excitement and feeling that old magic happening once again, but this time in a much more mature and grounded fashion that led to happily firing his boss and starting his own business.
David says, "Being a UFirstTM Agent is definitely the most rewarding "job" I've ever had. What we offer is such an awesome gift for the people who are ready to receive it. I get to feel like Santa Claus!"
"How exciting it is to enter someone's life who is facing a mountain of debt and hand them the keys to a money management vehicle that will race them over the top in just a fraction of the time."
"Most people find it hard to believe at first that its possible to get rid of huge debt so quickly and of course they naturally want to know how we do it."
"I find it very satisfying to be the one who can help them start looking at old, familiar things in new ways..., you know, help them see outside the box and then join this revolution that's going to radically change their financial future."
"Here we are in the 21st century with 21st century ideas and 21st century tools to create 21st century possibilities and I get to be an agent of change again, just like back in the day! But this time we are making a difference not just with new ideas, but with down to earth results where it really counts."
"Helping people become debt free and create a dignified retirement for themselves is the most worthwhile mission I can imagine. I feel truly blessed to be part of this wonderful company and movement to change the financial landscape of the world."
Coming of age in the 60's, he strapped on a backpack, travelled the world and quested for peak experiences, seeking to understand the deeper meanings hidden just below the surface of ordinary experience.
Then came family responsibilities and many decades of working hard to keep pace with the financial demands of the world. The fun and adventure of earlier days became just a distant memory... until at a Christmas party in 2006 he fortuitously overheard a conversation that caught his attention and struck that familiar revolutionary chord in him.
The past 2 years have been a whirlwind of excitement and feeling that old magic happening once again, but this time in a much more mature and grounded fashion that led to happily firing his boss and starting his own business.
David says, "Being a UFirstTM Agent is definitely the most rewarding "job" I've ever had. What we offer is such an awesome gift for the people who are ready to receive it. I get to feel like Santa Claus!"
"How exciting it is to enter someone's life who is facing a mountain of debt and hand them the keys to a money management vehicle that will race them over the top in just a fraction of the time."
"Most people find it hard to believe at first that its possible to get rid of huge debt so quickly and of course they naturally want to know how we do it."
"I find it very satisfying to be the one who can help them start looking at old, familiar things in new ways..., you know, help them see outside the box and then join this revolution that's going to radically change their financial future."
"Here we are in the 21st century with 21st century ideas and 21st century tools to create 21st century possibilities and I get to be an agent of change again, just like back in the day! But this time we are making a difference not just with new ideas, but with down to earth results where it really counts."
"Helping people become debt free and create a dignified retirement for themselves is the most worthwhile mission I can imagine. I feel truly blessed to be part of this wonderful company and movement to change the financial landscape of the world."
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Are you looking for a business opportunity that is second to none?
Want to make lots of money truly helping people improve their lives?
Full time or part time spots available. No limit to how much SUCCESS you can create.
Click on the money to join the movement that will end the bondage of debt in North America.
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Want to make lots of money truly helping people improve their lives?
Full time or part time spots available. No limit to how much SUCCESS you can create.
Click on the money to join the movement that will end the bondage of debt in North America.
BACK TO TOP NEXT PAGE