1. I can do this myself
2. Not enough discretionary income
3. Not computer savvy
4. I want to keep my mortgage because I want the tax deduction
5. Compare a bi-weekly mortgage plan and a 15 year mortgage with the Money Merge Account system
6. Cost of the Money Merge Account system
1. I Can Do This Myself!
The United First Financial® Money Merge Account® System is comparable to
the navigation system of a paper airplane...
versus...
... the highly technical navigation system of an actual jet and flying
it with the auto pilot capability.
The Money Merge Account system functions like a state of the art navigational GPS system like the ones used in many vehicles, only
this one is made for navigating our financial landscape and so I call it a Financial Navigation Solution.
Therefore, even if you think you have the time and the capability to calculate the many constantly changing variables in your life as
precisely as our highly advanced software can, I do not believe it is humanly possible to match this systems numerical solutions.
The GPS adapts and adjusts to each client's personal real life situations instead of expecting clients to stick to a static spreadsheet
type plan. Also, UFirst™ is constantly upgrading their system and all past and future upgrades have been and will be free.
Do you really believe you would be able, and have the time, to calculate the following factors each and every day? And also, could
you determine how each of these variables effects and inter-relates with each other, in the unified scheme of your financial position?
* varying monthly expenses - e.g. electric bill is never the same amount. depends on the season.
* varying monthly income - especially if you are self employed or have seasonal work.
* varying dates one pays their bills - not everyone pays all their bills on the 1st of the month every single month, year after year.
* varying daily circumstances - amount spent on travel/gas is just one of many daily variables
* current interest rate.
* fixed or variable interest rates.
* amount borrowed, which changes as you pay it back on lines of credit.
* limit on line of credit, which can be increased or decreased.
* varying daily balance owing.
* monthly payment amount often varies, especially for credit cards, lines of credit etc.
* varying day you pay scheduled monthly payments.
* how interest is calculated, amortized or average daily balance etc.etc.
* unexpected income or expenses.
Everyone has out-of-the-ordinary fluctuations with their financial positions daily. Our Financial Navigation Solution maximizes the
efficiency of the numbers instantaneously so you always know where you stand and in which direction you are heading.
No-one, I don't care how smart you are at math, can equal the calculations that this software will perform for you, and therefore you will lose both time and money by not taking advantage
of the Money Merge Account system.
Also, what happens if you get perplexed with a problem you cannot solve on your own?
How much might a financial professional charge to help you solve it?
If you are using the Money Merge Account system, you have access to over the phone, free, live, one-on-one coaching available through out the life of the program.
Wouldn't using our toll-free, one-on-one 'live-coaching' while taking advantage of our Money Merge Account system make more sense?
It is pretty common knowledge that anyone can add extra dollars to pay down the principal debt they owe.
Click here to read how Alex Spencer answers the I Can Do This Myself statement after using version 4.1 of the Money Merge Account system for himself.
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2. Not Enough Discretionary Income
The Money Merge Account system frees up discretionary money for you as it instructs you which debts to pay off first. Ask me how this works.
What is discretionary income? After paying all your bills, buying your food, paying your mortgage etc., the money left each pay period sitting in your account, or pocket is discretionary income.
Obviously the more discretionary income you begin with, the better for you, however, under certain circumstances the no-cost analysis will show that with $50 or less discretionary income available each month, this program may save you interest dollars and pay off your debts years earlier.
Find out where you stand. CONTACT US. We will do a free-of-charge, no obligation analysis for you.
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3. Not Computer Savvy.
The Money Merge Account system has been created with the average home owner's needs as the top priority.
It has been created so anyone who has high speed internet access can use this program.
This is also the reason you have access to training and coaching through out the life of the program.
* Yes, you can call and speak, one-on-one , with a real live person if you choose to.
* There are also live webinar opportunities as well as recorded video tutorial presentations for you to
utilize.
You choose to keep this system as simple or as complex as you wish.
The Money Merge Account system can be used just like a check/cheque book register, which records
everything coming in to and everything go out of your cheque account.
OR, you can be more complex and create folders that you can text message to find out remaining balances.
Imagine being in a grocery store. You have forgotten how much money you have left in your grocery budget this month.
Not a problem. Just text message the folder and it will let you know, so you never have to spend more than your allotted budget.
You can utilize automatic bill pay and have text messages remind you that a bill is due. You will be given the option of paying the bill
now or later.
You can text your Money Merge Account system and ask it the true cost of a big ticket item you may be looking at while in your
favorite 'toy' store.
You can even ask it if this is the 'best time to buy' that item in relation to your whole financial circumstance at that moment.
It could say 'yes' or it could say 'wait a week' or a 'month' etc. if you want to know the optimum time for saving the most interest
dollars.
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4. I Want To Keep My Mortgage Because I Like The Tax Deduction.
I am NOT licensed in the financial field but I have investigated this issue. What I came to understand is a basic mathematical principal.
Here is the question I asked myself..... Why do I want to give the bank $1.00 of interest charges just so I can
possibly receive 30 cents (depending on which tax bracket I qualify for) as a tax deduction?
Wouldn't it be more sensible to not pay the $1.00 in the first place? Then I would be saving 70 cents that I can
either invest or use to improve the quality of my life.
OR.... further more, I could pay off my mortgage with the Money Merge Account system (while still receiving a tax break) own my home
outright, title deed in hand, then donate that $1.00 to charity and still qualify for a tax deduction. Then my money would be being invested
in helping someone in need rather than just giving the lending institutions my money.
I am sure there are many other scenarios that would create the type of tax break that one desires without having to stay in debt to do so.
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5. Compare a Bi-Weekly & a 15 yr. Mortgage with our Money Merge Account system
Let's do a Mortgage Comparison so you can understand why having your no-cost analysis completed soon may well be one of the smartest decisions you have ever made.
If you had a 30 year, $200,000 mortgage at 6%, with a $1,199 monthly payment -
which option would you choose to repay it?
which option would you choose to repay it?
30 Year $200,000 Mortgage @ 6%
Payment $1,199 / Month
Total Interest Paid $231,677
Payoff Term 30 Years
Bi-Weekly Payment Plan -
Payment $599.55 / 2 weeks
Total Interest Paid $182,053
Payoff Term 24.5 Years
15 Year Mortgage -
Payment $1,687.71 / Month
Total Interest Paid $103,788
Payoff Term 15 Years
Money Merge Account system
Payment $1,199 / Month
Total Interest Paid $70,422
Payoff Term 10.4 Years*
* Based on $5,000 Monthly Income - $4,000 Monthly Expenses = $1,000 Discretionary Income
Bottom Line Results
30 Year Mortgage -
Paid for Home twice.
Total Interest Paid +
Original Loan Amount.
Bi-Weekly Payment Plan -
13 Applied Payments/ Year -
Additional out-of-pocket expense,
Does decrease mortgage term
and save interest.
15 Year Mortgage -
Reduces Loan Term but does require
a higher monthly payment.
Money Merge Account system -
Shortest Mortgage Term,
Keeps monthly payment the same as
a 30 year loan,
Largest interest savings.
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CONTACT US NOW SO WE CAN GET STARTED ON YOUR FREE ANALYSIS.......
WE ARE LOOKING FORWARD TO HELPING YOU ACHIEVE A ZERO BALANCE A.S.A.P.!!!!!
6. Cost of the Money Merge Account system
As was pointed out in answer #1 the amount of time and interest savings will always far outweigh the cost of this program.
If not, we wouldn't even want you to invest in it.
Let's first look at the cost of a mortgage andrefinancing. Check out the amortization schedule
that portrays real mortgage numbers. The cost
of this $200,000 mortgage is $231,677 which
is an interest charge equaling approximately
116% of the amount borrowed over 30 years.
Another point to make is, let's look at re-financing
and why it is pushed as a beneficial option.
Why are 1st time mortgages set up with higher
interest rates that are encouraged to be lowered
a few years down the road with enticing lower
monthly payments? We're sure you know the
answer, so.....
....Rather than explain that here, just look at
the amortized schedule that portrays a
$200,000 mortgage @ 6% over 30 years.
In fact, go and look at your own amortization
schedule and see how much interest you are
paying the bank over the first 5 to 7 years of
your mortgage.
Why 5 to 7 years?
The national average for homeowners to re-fi or
sell their home is 5.65 years. Look at the amount
of interest paid over five years in this example,
approx $58,000. Isn't that over 80% that the banks
are earning off you? Where can YOU earn over 80%
in five years?
Now, take from the 5 year equity build up of $13,891
the refinance costs or selling costs etc. and it's bye
bye $13,891 of equity. Of course we are only looking
at the actual math. We are not including any variables
of market values rising or lowering the value of the property, which could possibly increase or decrease
your equity.
Now what? You have either refinanced or you have
sold your home and purchased another one. Now,
you start at month one all over again with a higher
debt owing and the highest percentage of your
monthly mortgage payment being paid to the bank
for interest, again.
Not only that, but every single time you refinance or sell any property you are hit with closing costs and fees and taxes etc. over and
over and over again. So in this example, if this couple refinanced their 30 year mortgage every 5 years, this is what that looks like:
5 yrs of interest paid to bank = $58,000. Equity build up is = to approximate cost of refi or selling & buying fees/taxes, $13,891
10 years, $58,000 interest paid to bank + the 1st 5 yrs. $58,000 = $116,000 - $13,891 approx cost of refi or selling & buying fees/taxes.
15 years, 58,000 plus $116,000 = $174,000. - $13,891 possible cost of refi or selling & buying fees/taxes.
20 years of interest @ $58,000 per 5 years = $232,000. So far you still have no equity. After 20 years you own zero % of your home but
have paid the bank $232,000 in interest charges. Need I continue?
Where else would you pay someone this sort of interest? Over 80% in 5 years.
Where could you invest and earn this type of interest rate, securely? No where I know of.
It is much easier to save interest than it is to earn interest! So let's get started !!!
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So, as you can see on the amortization schedule above, refinancing costs a lot.
The conventional banking method of refinancing dramatically increases your debt where as the
Money Merge Account system, coaches you completely out of debt while it is building your wealth.
You can use the Money Merge Account system, financial navigation solution for the rest of your life to coach you to
pay off any debt, mortgage or otherwise, with a life time of customer support and never have to refinance again.
Our conclusion is that Refinancing over and over again Steals Your Wealth, whereas, the Money Merge Account system is a Steal.
Money Merge Account system, coaches you completely out of debt while it is building your wealth.
You can use the Money Merge Account system, financial navigation solution for the rest of your life to coach you to
pay off any debt, mortgage or otherwise, with a life time of customer support and never have to refinance again.
Our conclusion is that Refinancing over and over again Steals Your Wealth, whereas, the Money Merge Account system is a Steal.
For less than 10% of that amount we have a proven solution.
Part of the analysis function is to calculate your cost to purchase the program. The cost varies based on whether you have at least one mortgage or no mortgage/s,
your additional purchase of the Optimizer (optional) and your payment method (cash or terms).
You can begin using this incredible system though for a down payment of $250, if you choose the terms option.
Contact us now so we can prepare your no-cost analysis and have you on your way to debt freedom in the fastest way possible.
STEP ONE - Watch the 13 minute overview of our company and product
STEP TWO - Watch the 17 minute demonstration of the Money Merge Account software, coaching and
education system
STEP THREE - Click here to get started then call me Jennifer Hansen 845-649-7487
Agent # 988828
The results shown on your personalized analysis will potentially show you how the seven strategies,
working together, create an awesome, debt elimination, wealth building, Financial Navigation Solution.
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Jennifer Bhala Hansen
Jennifer@ FinancialNavigationSolution.com
Disclaimer: United First Financial, its agents, and subsidiaries provide Internet web based software and support services. United First Financial does not provide tax, legal, real-estate, mortgage, or investment advice. Interested parties should seek and consult with persons or entities icensed 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.
Copyright . United First Financial Independent agent Jennifer Bhala Hansen. All rights reserved.
Copyright . United First Financial Independent agent Jennifer Bhala Hansen. All rights reserved.
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