Money Merge Account and your Mortgage

United 1st Financials Money Merge Account system works fine with an existing mortgage, refinancing is not a requirement. It will, through its unique system, pay off your mortgage and debt in a fraction of the time, for 10’s of thousands less, without raising your current payment from what it is now.

Sometimes the reaction new customers have when introduced to the system is that, “it sounds too good to be true”. My general response is, “Its math, not magic”. (I didn’t make that up…it’s a line from another United 1st agent). I think it hits the nail on the head when describing the Money Merge Account system….. there’s no smoke and mirrors, no gimmicks, its math and numbers tell the truth every time.

The system is mathematically designed to cancel out interest away from the bank and into your hands where it’s needed the most…to pay off debt and invest in your future.

The program is driven by discretionary income, the more a person has, the faster the system will work. However the system will work with even a few dollars left over as well. The only way you will know just how much you can benefit from this revolutionary product is to complete a free online analysis for yourself. You can complete this in a few minutes by visiting: http://www.moneymerge4all.com/.

As I’ve covered in past articles, everyone has some form of discretionary income, even if they’re not currently aware of it. For some people it’s their tax return each year and a few dollars in monthly savings that make all the difference. Often a good audit of your spending and a budget review is all that’s needed to take control of your finances. But besides taking stock in what your bills and expenses add up to, there is another way to create extra discretionary income. It’s through a good old fashioned refinance.

More often than not my customers refinance before they install their Money Merge Account, not because they have to or that the system requires it…..as I’ve said before…it doesn’t. We will always run a case analysis with a refinance and without, whichever outperforms the other wins. Our clients decide to refinance because in most cases we can demonstrate a significant increase in their discretionary reserves by debt consolidating their current, high interest debt into a low fixed rate mortgage. In every case where we advised a refinance, it was due to the case analysis results. Again, “Its math, not magic”.

I recommend annual financial reviews to every client, but if you are already on the Money Merge Account system, it is highly advisable that you review your finances at least once a year with your trusted mortgage advisor. An annual check up can confirm that you are in the best position possible with your Money Merge Account strategy. You can cut your completion time significantly if you do this simple thing, once a year. An annual review is all it takes to know for sure that you are optimizing your approach to the Money Merge Account system.

Although, it varies by individual, by the time a Money Merge Account owner is in their 3rd-5th year on the program, they’ll have driven their principle balance down enough to refinance again to create an additional few hundred dollars in discretionary income.

Even if your interest rate stays the same, when applied against a lower principle balance, (a smaller loan amount) a streamline or no cost refinance can take more years off your strategy than your current Money Merge Account is set to attain on its own. Your annual review will provide you with these choices.

Contact your trusted mortgage advisor and request to be put on an annual review program. If you are not yet affiliated with a trusted planner, feel free to contact The Hoskins Van Horn Group. We will provide you with a free, custom evaluation and place you one our annual review programs.

We can be reached at 800-664-0510, or by email at hvhgroup@aol.com. You can even visit our Money Merge Account page for your Free analysis @ http://www.moneymerge4all.com/


Live life with Abundance!

Frozen HELOC's and the Money Merge Account

Have you been affected?

In recent, months, there has been some dust kicked up in the news that many banks throughout the country have began to close or freeze existing home equity lines of credit or HELOC’s. Many banks have also stopped issuing HELOC’s altogether for the time being.

The primary reason causing banks to make this move is the current trend of property values falling in many areas of the country. Areas that have severe drops in value are most commonly referred to as soft or declining markets.

You see, a homes value is a very important aspect in the decision the bank makes when they approve a client for a secured Line of Credit. 9 out of 10 times the market isn’t like it is today and most of the time the bank assumes, if anything, that the home will appreciate, rather than depreciate in value. Properties statistically double in value every 10 years, even with periods of down markets. So when a bank observes their equity position diminishing combined with increasing rates of foreclosures, they begin to freeze customer lines in those affected areas to protect themselves from further perceived risk.

It doesn’t matter whether the customer affected paid as agreed, or had perfect credit worthiness…..it’s a fundamental business decision founded on risk and equity position.

One other point, although a HELOC is technically a mortgage because its secured by a residence, it is still considered by the bank to be more of a large credit card than a mortgage and credit cards can be closed at a banks discretion, unlike a simple interest closed ended mortgage note.

There is good news here…… many banks offer personal lines of credit or PLOC’s up to anywhere from 25-40K. Usually, you only need a 680-700 credit score and a decent debt to income ratio to qualify for these lines.

The Money Merge Account now also works in several new ways with the release of the new Version 4. Now the system works with a credit card, or even a checking/savings account.

To current Money Merge Account system owners: If you are concerned your line could be in jeopardy, simply contact your United First Financial agent for some reassurance and advice on a strategy to maintain and maximize the value you are getting from your system.

To those currently considering becoming a Money Merge Account owner: Rest assured we will assist you in finding the right LOC for your needs. Contact your trusted United First Financial agent for assistance.

To those renters, students and any others who would like to own a home one day soon: Contact us directly at hvhgroup@aol.com or visit our site at http://mmasoftware.blogspot.com/ to start learning today how the Money Merge Account can help you save to buy your first home. We specialize in the First Time Home Buyer.

Visit our home page at http://www.hoskinsvanhorn.com/

The Hoskins Van Horn Group, improving Americas financial landscape...One family at a time!

Money Merge Account Updates

All to often I hear new clients, being introduced to the Money Merge Account system for the first time, say, "this is great but we don't have anything left over after expenses each month", or "I like what I'm hearing, but I"m afraid we might use that new line of credit we would get for other frivolous things and get us further in debt"

The truth is folks, this system is guaranteed to reduce the time it takes to pay off your mortgage (s) and debt at a massive savings from what you are going to pay your banks and creditors, without it. It allows you to use the banks money, along with Interest Cancellation, to fund investment accounts that can set you up for a fruitful retirement.

Lets address these 2 common concerns:

Concern 1) We don't have any discretionary income:

HVH Response) My friends, if your not behind on bills and food is on the table, then you have a discretionary income. You may not know what it is, but its there.

Note: See my article titled, "Discretionary income, What is it really? For a detailed approach to figuring out what your available reserves add up to.

The common fact about most people who SAY that they have "no discretionary" income is that they really don't know if they do. The truth is, you probably need to sit down and BUDGET what your spending habits actually are. 7 out of 10 Americans do not budget their money. Not budgeting or knowing means you are just spending your discretionary reserves. But folks, money management is about knowing what you have and actually deciding what to do with it, logical spending and emotional spending are not the same thing and can be the difference between one family strategically planning for a better future vs another with the same demographics not planning at all and facing a far more unpredictable future.

A simple BUDGET can provide you with very useful answers.

Concern 2) We worry that we will only get into more debt by taking out a LOC or Line of Credit.

HVH Response) First of all, the Money Merge Account system is literally "FOOL PROOF". If you commit to using the system as its designed, which takes up no more than 30 minutes a month, you would have to actually make a substantial effort to screw it up. Right now you spend more time than that managing your bills on your own.

The truth is, at some point you have to take responsibility for your own actions and commit to bettering yourself. Commit to a better future and realize that the LOC used in conjunction is there to enable you to gain the benefits of the system to one day be, debt free and retired.

Not doing something that can change your life, for the better, because you don't trust yourself, is fear based living and is not an healthy mindset and doesn't serve you well.

Remember, live with an abundant mindset and it will be yours for the taking.

Money Merge Account Version 4!

Its only days now until the newest release of the Money Merge Account (MMA) Version 4 is unleashed.

United First Financial (UFF) will unveil this to thousands of agents in Atlanta, GA this weekend at its 2nd Annual International Convention.

Along with this highly anticipated news will come a launch of UFFs first national marketing campaign to promote this innovative software to the world. TV and other media promotion will put this revolutionary system in living rooms all across the nation and Canada.

To date the MMA system has been promoted predominantly at a grassroots level, it has helped countless homeowners actually plan to be debt free with a solid retirement strategy. Its been enthusiastically promoted by CPA's, Insurance Agents, Mortgage planners and of course, Financial planners, in fact Merrill Lynch is now encouraging this product.

However, despite being promoted by professionals to their clients, the best ongoing promotion seems to have been those who use the system and have seen its wonders first hand.

Here's a useful list of the benefits of the Money Merge Account, Version 3:

The Benefits of Using the Money Merge Software

The beauty of the Money Merge Account is that it can benefit people in different ways.

Repaying your mortgage early
When repaying a mortgage, it's not the interest rate you pay that's most important. What matters is the total amount of interest you pay over the term of your loan. With the Money Merge Account, you use your income and savings to reduce your loan balance and minimize your interest payments.

This means more of your money goes towards your principal balance each month, helping you repay your mortgage years earlier and save thousands of dollars in interest.
If you have an emergency and need money then you can easily take money out of your Equity Line of Credit.

Reducing monthly payments/consolidating other debts
The Money Merge Account is much more than just an accelerated mortgage payment option. Other debts, credit card balances, personal loans, overdrafts etc can be transferred to the Money Merge Account - which means you benefit from paying less interest on all your debts instead of expensive, unsecured rates. The reduction on your minimum monthly payments can be significant.

And if you're concerned about rolling all your debts into one big balance, don't be. You'll be able to break your debts into individual repayment plans. So you can have a plan for your mortgage, a plan for your credit card balance, and a plan for your loan. We'll help you budget to pay off what you want when you want, and you'll be able to see each element of your debt falling month-by-month in line with your plans.

Funding a major purchase, new care, holiday home, boat, etc.
The Money Merge Account can help in a number of ways - depending on whether you want to build a lump sum of equity to fund a purchase, borrow the money, or do a little of both.

Building a lump sum
Many mortgage programs on the market give you the chance to overpay your mortgage each month. But if you're looking to save for a major purchase (e.g. a holiday home, a car or a boat) at the same time, you haven't got the flexibility to do so. The Money Merge Account lets you have your cake and eat it too. It allows you to put money aside each month for the purchase and use this money to reduce your balance while you build up the lump sum.

With the Money Merge Account, you'll be able to set up a savings plan just for this. That way, the savings part of your balance can be seen separately from the rest of your Money Merge Account balance, and you can budget to build up the lump sum by the date you want.

Borrowing at a mortgage-style rate
Traditionally, if you haven't got enough saved for a major purchase like a new car, your only option is to borrow the money. This usually means taking out an auto loan or using a credit card, all at much higher interest rates than you pay on your mortgage. The Money Merge Account is a much cheaper way to pay, because everything is paid back at a very low mortgage-style interest rate.

And you can set up a separate loan plan just for this. That way you can focus on paying this part of your Money Merge Account balance off as quickly or as slowly as you want, and you can check your overall plan whenever you like.

Buying a second property
Because the Money Merge Account is secured against your home, you can usually spend up to 100% of the property value. So if you'd like to use the equity in your home to buy a second property, it's ideal! You can borrow at a very low mortgage-style interest rate while retaining the flexibility to pay back how and when you like. Many lenders will charge a higher interest rate simply because the money is for a second property, but with the Money Merge Account, you can
pay a much lower amount of interest than traditional investment style interest rates.

And you can set up a separate payment plan just for this. That way you can focus on paying this part of your Money Merge Account balance off as quickly or as slowly as you want - and check your overall plan whenever you like.

Planning for schools fees, university tuition
If you have young children, chances are you'll need to either save or borrow enough money to get the children through school and university. The Money Merge Account can help in both instances.

Building for the future
If you're looking to put money aside each month for the future, then one of the best places for this is the Money Merge Account. In this way, the money can reduce your interest charges on a day-to-day basis, and you can simply draw on it when the time comes.

With the Money Merge Account, you'll be able to set up a savings plan just for this. In fact, the savings part of your balance can be seen separately from the rest of your Money Merge Account balance, and you can budget to build up the lump sum by the date you want.

Using the Money Merge Account to fund Life insurance premiums, your investment portfolio, your retirement is as easy as 1,2,3. You simply allocate your budget for all of your needs and the Money Merge Account treats them as any other debt in its monthly calculations.

Borrowing at a lower rate
Alternately, if you need to borrow the money, the Money Merge Account allows you to release the equity in your house at a low mortgage-style interest rate and with the least amount of hassle.

You can even set up a separate borrowing plan just for this purpose! The great thing about the Money Merge Account is that it gives you the flexibility to do what you like with your money. In many ways, you don't really have to think about whether you are borrowing or saving, because when you've got money, it can go in the Money Merge Account to reduce your balance. And when you need money, you can simply draw it out of your account.

Coping with short-term illness, unemployment or job transferring
The flexibility of the Money Merge Account works both ways. It's not just a vehicle to quickly repay your mortgage and debt. When money's tight (e.g. if one income disappears temporarily as a result of illness or loss in job), then the Money Merge Account enables you to use your increased equity build up to pay for the daily or monthly costs you incur until you are able to get back on your feet financially. This way, you know you'll get back on track, come what may.

We've got a dedicated team of account managers on hand to talk through your options. You'll also be able to use our online service to run a tight budget. It will let you analyze where your money's going, plan your entire spending for the month, and work out what you'll have left over, as well as set longer term plans for repaying your loans.

The key thing is that the Money Merge Account gives you the financial flexibility you need to adjust to changes in your lifestyle - in a way that's right for you - without having to worry unnecessarily about unknown consequences.

Planning for maternity
The flexibility of the Money Merge Account can be used to cushion the financial impact of a newborn baby. If one of you wants to take time off work, then there are a number of options available, from reducing your overall payment commitments for a time to providing the additional money needed for those unforeseen expenses.

If you need to run a tighter budget, we can help you. Our online service will let you plan your entire spending for the month and work out what you'll have left over, even down to the penny if you want. You'll also be able to analyze where your money's going, so you can see at a glance where you can cut your spending. We can also help you set longer term plans for repaying your loans, taking into consideration the peaks and troughs of your income and expenditure over the coming years.

The key thing is that the Money Merge Account gives you the financial flexibility you need to adjust to changes in your lifestyle - in a way that's right for you - without having to worry unnecessarily about unknown consequences.

Short-term spending e.g. holiday, Christmas
Most of us are used to getting out the credit cards when it comes to the more expensive periods of the year, such as booking the summer holiday or buying presents at Christmas. The Money Merge Account can take the stress out of these things, allowing you to reduce your repayment commitments for a time and make them up at a later date. Instead of hiking up your credit card balance, you can simply spend a little more of your monthly income, leave a little less in the Money Merge Account, and then just get back on track as you go.

This means you're no longer tied to the usual 'receiving income/spending income' monthly cycle - you have the flexibility to cope with the peak spending periods of the year without the interest and expense that normally comes with them.

Making the most of an inheritance, windfall, large bonus or maturing investments
The Money Merge Account offers a better home for lump sums than any conventional deposit account. By depositing them straight into the Money Merge Account, you reduce your loan balance, so you pay less interest. The interest you save by doing this is more than the interest you could earn in any other savings account. And because it's interest saved rather than interest earned, there's no tax to pay.

And the great thing is that the Money Merge Account comes with checks and a debit card as well, so you've got instant access to this money. You'll have a checkbook, debit card, telephone, and Internet access all at your fingertips. There are no notice periods; you can simply draw on your money whenever you like and for whatever you want.

Funding home improvements
If you're looking to build that extension, then using the equity in your home could be the most cost-efficient way of funding it. Because the Money

Merge Account is secured to your home you can usually spend up to 100% of the property value and pay below market interest, so no more expensive personal loans or finance agreements.

Self-Employed
We recognize that being self-employed means you need something extra when it comes to managing your money. You have greater control of your cash flow with the Money Merge Account enabling you to manage the day to day needs of running a business.

The chance to save thousands on your loan
With the Money Merge Account, you are able to pay less interest on all your loans, thus slashing your monthly interest bill and putting an end to expensive loans and credit cards. In addition, your income works to reduce your loan balance on a day-to-day basis, so any money left unspent in your account continues to save you interest over the lifetime of the account. These savings run easily into thousands.

Greater flexibility
The Money Merge Account is much more than just an interest saving tool. You can manage your payments in line with your cash flow, all without penalties or charges. Pay more one month, pay less the next! It's entirely up to you.

More control
With online access and complete telephone access, you can manage your money how and when you want. You'll have one balance showing you exactly where you stand and how far ahead you are of schedule. You can break down your Money Merge Account any way you like, and you'll be able to plan your short-term and long-term spending in great detail.

The perfect home for your tax money
The fact that you're using money in the Money Merge Account to reduce your balance and save interest, rather than earn it, means you don't pay tax on it. This makes the Money Merge Account the perfect place to put aside some money for the taxman. And when the time comes to pay the tax bill, you just write a check to cover it. This way, your money is working for you from the day it comes in to the day it goes out.

Young professionals
If you're just starting out in your professional career, chances are you'll need a flexible solution for your finances. You can benefit from the flexibility of the Money Merge Account in the early years of your professional life because you're not tied to high traditional interest options. This gives you the freedom to cater for the ups and downs in your spending. And as soon as your salary increases and you start to earn bonuses, you can use your surplus income to reduce your balances and save even more interest. The flexibility of the Money Merge Account means that you can also use your equity for the bigger purchases like a new car or a dream holiday, rather than having to take out more expensive loans.

Young couple –first time buyers
The Money Merge Account is designed to meet your financial requirements as you go through life. It can help fund a wedding, a new car, or a holiday, as well as allow you the flexibility to deal with the financial impact of having a child. You can use the Money Merge Account to overpay on your mortgage, thus building up equity in your home, which will mean a higher deposit when moving to a bigger house in the future. If you can overpay your mortgage from the outset, you will save the maximum amount of interest in the long-term. You can spend up to 100% of your increased equity to furnish your new home and cover other expenses. And if your home needs improving, the Money Merge Account can be used to fund home improvements further down the line.

Couple moving up the property ladder amidst other life expenditures
The Money Merge Account can help you accelerate your rise up the property ladder. It allows you to use your income and savings to reduce your balance and build up equity in your home, so you can move to a bigger property sooner. And if you move, the Money Merge Account can move with you.

If you have children, the Money Merge Account also offers you greater flexibility in dealing with the extra financial strain of raising them. It can be used to put money aside for school/university fees - so you get the benefit of this money working to reduce your balances and save you interest.

And you can use the accelerated equity in the property to put your children through school even while covering any other expenses. And you retain the same flexibility in terms of repayment.

Commission-based income
The Money Merge Account gives you the flexibility to manage your finances in line with your cash flow. So when you have more income, you can deposit more and save more interest. When you have less income, you can deposit less. You're no longer tied to the usual 'receiving income/spending income' monthly cycle; instead, you have the flexibility to cope with receiving a low annual income and high sporadic commission amounts, even having that money available anytime you need it. And it saves you interest all the while!

Irregular income
The Money Merge Account works particularly well if you're paid a small salary but receive large sums in the form of bonuses or dividends during or at the end of the year. You can manage the Money Merge Account in line with your cash flow. You've also got the flexibility to deposit more when money's available and less when money's tight. Any lump sums can also work harder in the Money Merge Account, reducing your balance and saving you interest.

Older couple – children left home
The Money Merge Account allows you to use any surplus income you have to accelerate the repayment of your mortgage. If you have any investments - e.g. endowments, etc. - these can also be put into the account when they mature to reduce your mortgage balance and save you even more interest. You can also use the equity in your house to fund that holiday or luxury you've always promised yourself. Your money is there until you need it, but it reduces your loan balance and saves you interest in the meantime.

Live with Abundance!

Discretionary Income, What Is It Really?

Discretionary income is, by definition, the amount of funds left over after all expenses are paid out. Simply put, if a person brings home 5K net and spends a total of 4K on bills and expenses, then there would be 1K left over....this is called discretionary income. We'll call it the "D-Factor".

The secret to the Money Merge Account system and how it uniquely builds wealth and reduces debt, is all about the D-factor. Well come back to the MMA in a minute.

Interestingly enough, when you ask the average American what their D-factor is, many times the answer is, "I don't think we have any money left over, Jason".

Now most of us place our income into our checking accounts and after all monthly expenses are paid we typically use up the rest as spending money. But does that mean we don't have any discernible discretionary income... simply because we choose to spend the leftover cash each month? Absolutely not.

Here's the situation folks. We all have discretionary income. It certainly can fluctuate from time to time based on infrequent expenses but rest assured, you do have it. Your lifestyle would diminsh drastically if your expenses exceeded your income. If you're needs are met, then you are in the black, even if it doesn't feel that way.

The question is, how much do you spend on average on a monthly basis?

To figure out your true discretionary income position, you can follow these simple instructions:

1. Take a simple pad of paper, make a list of your monthly obligations


2. Utilities (gas; power; water; trash; cable tv; internet, etc) Total up


3. Bills/Loans (mortgages; lines of credit; credit/charge cards; auto/rec vehicles, etc.) Total up


4. Living related expenses (groceries; entertainment; medical/prescription (includes dining out) Total up


5. Protection electives (insurance premiums, medical and life; investment allocations of any kind) Total up


6. Miscellaneous Electives (Golf funds, massages, weekend get-a-way fund, etc) Total up

Some tips, if you are organized and have access to your bank statements you can get quite detailed information by adding up several months in each category and averaging the figures.

This is a one time run through and once you are done you will be confident you know what you've been averaging for living expenses. Its all there in your statements.

Now take a look at each category and decide, based on your spending habits as they've been, if you can assign a BUDGET for each category. That's right folks, a BUDGET.

If grocery costs are 1000 per month, could you live on 700 or 800 and be more selective with your choice of what you choose to spend your money on? Could you plan meals for the week or even limit yourself from the drive-thru to twice a month instead of four times? You see, sometimes we just spend money cause its in our pocket, without thinking about it....by actually considering what you spend, before you spend, you could find that you could reallocate 200 to 300 or maybe more to your discretionary funds. Do this in all your categories and see where it takes you. You will be quite surprised.

Are you following me gang?

You see, actively monitoring your spending habits is very important aspect of money management. In having a basic budget of what you NEED to maintain your quality of life as it is now, you will be surprised at how much discretionary income you really have access to. Placing basic boundaries for your spending habits is an important step in having more control of your personal family business. There's another hint.....manage your family like you would your own business, always seeking a high profit margin while maintaining quality of life and general well being for those you are responsible for, family, rather than employees. Again, simple things that we take for granted everyday can increase your D-factor.

Some interesting feedback; I had a client recently share with me that they figured that by doing their grocery shopping at a Food4Less, instead of their local Whole Foods, they found their monthly grocery bills to reduce by 300.00! Another client shared that they reduced their 4 chiropractic visits to just once a month and replaced the 3 visits with some Yoga, stretching along with some mild walking and their back was doing great, not to mention their pocket book...they saved 25.00 a pop per visit. The 3 eliminated visits increased their discretionary by 75.00 every month, plus did I mention gas savings from driving across town for the appointments :).

You may find that after giving this a try just once. That you can create and extra couple hundred dollars in discretionary money every month just by paying attention to what you need to spend to be content, vs. what you actually have been spending.

Its simple and very easy.

Once you are aware of what your true expenses are on a monthly basis, you will be ready to start to plan your budget for the rest of your life. That's correct, your ongoing family business plan, highlighted and driven by the Money Merge Account system.

This is what you do:

STEP 1 (RECAP). Determine your actual discretionary income following the above steps 1-6

STEP 2. Visit our payitfaster website at: http://www.payitfaster.com/hvhgroup

STEP 3. Watch the video on the site first, its a quick 15 minutes, that's all. The video will explain what the Money Merge Account System is designed to do.

STEP 4. Scroll to bottom of page and click on "Request Your Free Analysis".

STEP 5. Simply complete each screen to the best of your ability, hit next after completing each page. You will only need to know very basic information such as (your gross and net take home pay, spouses as well; mortgage information, your current rate, payment, escrow's if any; balances and payments for car loans and credit cards; and your discretionary amount)

Advice, if you determine discretionary income is 1000 for you, then list a range of 800-1000 in the analysis. This gives you a cushion in case of unexpected costs.

STEP 5. That's it. When you complete the analysis your information will come to me for edit. I will then review the findings with you.

Taking the findings from your analysis we will provide yo with a custom long term strategy to reach your financial goals.

The Hoskins Van Horn Group, making Amercian's financially stronger, one family at a time!

Live with Abundance

Top 3 Financial Issues Facing Americans Today!

Times are tough for many Americans today. Some financial experts suggest we are teetering on the verge of a modern day recession.

Whatever the case one thing is true, we as Americans, are not financially prepared for the future. What is the definition of really being financially prepared? I believe financial preparedness is the result of having the following aspects in place:

To be DEBT FREE, a strategic plan to have all major debt reduced to nil come time to retire, mortgage(s)included

To have a working RETIREMENT plan, a strategically funded investment, designed to allow you to retire with all the money you need to continue your life style as you see fit, particularly a tax free plan not a 401K.

To have adequate INSURANCE protection, a whole life or fixed universal life policy in place to not only protect the family from the impending reality of life, but to also serve as the vehicle for retirement investments.

You see, most Americans today simply do not have a plan in place to achieve these goals and therefore are in real danger of finding themselves working as greeters at WalMart, in those most precious golden years. A harsh but realistic consequence for not planning properly.

I need to point out, that this is the mindset we are brought up with. Think about it, why is it that the richest 3% know so much more about finance than the other 97% of us? Is it the Ivy League educations or are they mostly just born into wealth or could it be that only those who pay for it, get access to it?

Maybe its only meant to be taught to the priveledged and not the rest of us, the truth is America makes a lot of money on our general ignorance. The banks know how to make and invest money, we all use banks, we pay their interest on their terms. We pay taxes and are told to invest money into our government designed retirement accounts such as 401K's, etc. Why not, its to their advantage that we use these vehicles for our retirement investment as they take nearly half of it from taxation when its time to retire.

We are conditioned to do things a certain way, to trust the establishment, be good citizens, follow the leaders and live out our happy lives, quitely.

Consider, why we do not have classes in elementary or high school that teach our youth about the concepts of investing or retirement for their own benefit or perhaps world economics so we graduate international leaders who can actually solve our economic problems.

If our children understood finance and the dicipline of earning it and turning it into more through basic investment principles, perhaps there would be less crime and poverty, perhaps children would see a future for themselves that is not apparent to them today.

Only by first building a country where our children are brought up understanding the concept of finance and how it relates to their lives, can we fully begin to heal the damage generations of failed trust in relying on the establishment to do it for us.

Think about this, how many of us actually become engineers or physicists? We are forced to learn geometry, trigonometry, things that the majority of us will never use in real life. I personally, have been a mortgage planner my whole life and have not applied geometry or trigonometry once as an adult. But If I knew then financially, what I have come to learn though experience, wow would I have had a better head start on my own retirement plan.

Consider this scenario, Jon and Rebecca Smith decided to start an investment fund for their son Michael. They open a simple, but strategic, permanent life and tax free investment policy when Michael reaches the age of 10 years. They decide to use their annual tax return as the primary funding source for this policy and they maintain the monthly premium just as they would a regular bill (always consult your trusted insurance professional).

They then continue to build this investment until Michael reaches the age of 18 or graduates from college.

By then they have taught Michael about the purpose of this investment and what it means to his future, he then responsibly takes over the investment and manages it on his own from there.

If we teach our children about the value of saving money and what it can do for their future, it doesn't take them long to grasp the concept. I'm suggesting raising a trust fund child, referring to a wealthy child with no real respect for the concept of earning money, but raising a child with the understanding that they, with proper discipline, can see a viable retirement a decade sooner than we ever could imagine for ourselves today.

Michael has a excellent chance of having all the money he would need to raise a family, build a life for himself and retire tax free because of a simple thing his parents decided to do for him all those years ago.

What would the world be like now, if our parents were encouraged to do this for us?

It would mean that we would have a nation where the majority of us were financially fit and healthy and no one would care for or about social security issues.

We would be self sufficient. We could even help to supplement our parents needs in those later years. Helping them retire to enjoy the remainder of their years. Not scraping away working at a WalMart.

I think the next thing worse than watching our parents retire in poverty is thinking of our children suffering the same fate. The only way to stop the cycle is to make sure, that we do not burden our children, all the while teaching them the principles that they can pass onto their children!

It all starts with us.

This is an interesting commentary and might provoke some thought from its readers, some of you might be saying, well, its too late for me to fix things, I am in my 40's, 50's or beyond.

Folks, its never too late to benefit from the same financial concepts banking institutions gain from. Its never too late to plan for a better future!

Learn as much as you can about how proper insured protection can be there to ease the things that happen to us all eventually. Talk to your financial advisor and insurance professional for more information on this subject and make sure your family is protected!

Live life with Abundance!

The War Against Financial Poverty In America Goes On

My dear friends, clients, colleagues and visitors to our blogs and sites......America is under attack. Not so much in a physical way mind you, but in a financial way. More and more Americans are facing the hard fact that they will be working for the rest of their lives. Retirement isn't even a consideration for most.

This is simply the hard reality of the times we live in. Economic times are unpredictable at best and things aren't as simple as they were in our parents or grandparents lifetimes. We can no longer rely on the government to take care of us. We must learn to be self-sufficient for our own benefit and survival. For decades economics segmented Americans into classes (poor, middle and upper) This ideal really no longer applies.

Today, Americans are better classified as those who are financially secure and those who are not. Secure or unsecured. Which are you?

Lets start with some simple questions you can ask yourself. This will tell you which class you fall into. Brace yourself. You may be surprised from what you find out.

Question 1 -
Do you have a guaranteed, Tax-Free, vested retirement plan in place?

Comments to consider before answering = Remember, inflation is key, the cost of living will be higher when you retire. Take this into account when answering this question and in choosing how much to invest now, so that your needs are met then.

Question 2 -
Are you and your family under adequate "permanent" insurance protection? Both Life and Medical?

Comments to consider before answering = Are you protected for later in life when the inevitable truth of life affects you personally? You cannot rely on social security or medicare to provide for you.

There is one fact of life we all like to avoid or ignore. The older we get to more we are exposed to losing loved ones. As a provider for your family its as important to consider the welfare of your family when you are gone as it is to take care of them today. Are you the primary provider for your family? Experts say you should have enough coverage to cover 10 years of annual income. Is your insurance coverage adequate to cover expenses and provide you and or your family with the revenue needed to continue on with life's expenses? Or will they suffer the loss of your income and become poor themselves.

Its shocking how many Americans are fine today..... income is good, life is comfortable. THEN an accident takes a loved one unexpectedly. No insurance........no retirement or pension....loss of income and increased expenses....a family to support. Your life turns upside down in a no time. Starting over after living for years as a homemaker is a tragedy and can be avoided.

Folks, the old adage and jokes about Insurance Agents are silly. These professionals save lives. MAKE CERTAIN YOU PROVIDE FOR YOUR FAMILY ADEQUATELY SO THAT THEY ARE NOT BURDENED WHEN THE TIME COMES.

Question 3 -
Do you have a strategy to have your debt reduced to zero by the time you reach your targeted retirement age?

Comments to consider before answering = What is your Strategy? Think it through. Remember a plan is about self-sufficiency....a plan is not relying on an inheritance, winning the lottery or selling the house in 30 years. Its a strategic plan so all debt is gone when the time comes.
_______________________________________________

If you answered Yes to these 3 questions we will refer to you as "Group One".

Those in "Group One" are the small percentage of those Americans who are most likely to see some form of retirement.

Good for you, remember to meet with your trusted insurance agent and financial/mortgage planner for ANNUAL REVIEWS of your strategy. Just as you change with the world around you, so to can your needs. Stay on top of them.

NOTICE - If you do not have trusted relationships with either an insurance professional or a financial/mortgage planner we encourage you to come visit us at the HVH Group. We will start with a fast and complimentary Financial Evaluation and provide you with a customized plan to protect you and your family. We always welcome new members into our family, visit http://www.hoskinsvanhorn.com or contact us directly at 800-664-0510.

If you answered No to any of these questions, we will refer to you as "Group Two" and rest assured we have some advice to offer those of you in this category. Because "Houston, YOU have a problem". That's right, you are in danger, like many Americans, of spending your remaining GOLDEN YEARS at some level of poverty.

Group Two, you need to contact us right away and see the NOTICE section above

Call or email us right away.

Toll Free - 800-664-0510
Email - hvhgroup@aol.com

Those in Group Two need the assistance of the following:

• Professional Insurance Agent
• Professional Mortgage and Financial Planner
• Professional United 1st Financial Agent

All of which can be found by calling the Hoskins Van Horn Groups professional advisers.

We will take care of the worry and educate you about the Money Merge Account system and how it can work to help you pay off your home in a fraction of the time for a fraction of the interest cost, as well as show you how this system will CREATE your retirement for you, best of all.....using the banks $$$.

You do not have to live in uncertainty anymore.

Call us today!

Jason Hoskins, President-Mortgage/Financial Planner-Money Merge Account Specialist

800-664-0510

HVHGROUP@AOL.COM

http://www.payitfaster.com/hvhgroup

http://www.hoskinsvanhorn.com/

United 1st Financial In Atlanta, GA

In 5 days United 1st Financial agents from across the country will congregate in beautiful Atlanta Georgia for its 2nd Annual International Convention on June 27 & 28 .



This will be an exciting event with the highlight being the long anticipated release of the Money Merge Account System, Version 4. This newest upgrade to the already innovative software will not only take this system to the next level, but open the software's ability to benefit nearly every person, whether a homeowner, or not :) That's a clue! I'll say no more. :)



Stay tuned as we bring you more exciting news from the MMA front.

The Money Merge Account: HELOC's Freeze

Recently a lot of homeowners have experienced a freeze on their home equity lines of credit or HELOC's. This is mostly a result of two things.....1) the property values declining in and around the southland; 2) the banks LTV/CLTV position..."loan to value, combined loan to value." This number is calculated by adding all liens on any home and dividing that sum into the market value. The % is used by every bank in its risk accessment of any given borrower.

The concern from the banks point of view is that when a homes value declines, certain factors that went into account when the bank lended the money in the first place changes and the bank takes on more risk. Next, banks view HELOCs as more of a consumer credit type of debt, rather than a real mortgage loan, so the reserve the right to cancel or freeze lines at their own descression. Here's an example of a line to say 85% of a homes value at initially. Say the value on that home is 600,000 and the first mortgage is at the conforming limit, 417,000. This would mean the bank approved to extend 93,000 on a HELOC to this client at 85% combined loan to value, based on a 600,000 solid value.

Well the problem is that typically, market values go up....not down....and from time to time, in a declining market, where the value on that property declines under the 600,000 mark to say 550,000, due to foreclosures and defaults, then the banks risk now sits at nearly 93%....at a level the bank would not have lent on initially.

Taking things a step further.....say that line only held a balance of 50,000....well the bank would then elect to freeze the HELOC from further withdrawls which prevents the client from worsening the banks percieved risk. Technically in this scenario, the freezing of the HELOC left the bank with a 50,000 balance against a 550,000 valued home with a conforming first at 417,000......this gives the bank a risk level of say 85%, the criteria that they originally lent to the borrower on.

This is an example of most banks are doing to lessen their risk and stave off defaults.

Banks like Countrywide, who have all but done away with second trust deeds and HELOCs, as a result of more than high defaults......but some banks are still staying in the game. Chase Home Equity is still offering HELOCs at lower LTV/CLTV ratios and with stricter guidelines. Your local banks are also still financing HELOCs as well. The choices are there. Seek counciling from your trusted mortgage consultant and planner and alway monitor your own property values. www.zillow.com is a great site to monitor your homes market value.

Some comments about the MMA software. If you have not taken advantage of this great tool, call for an MMA analysis. This product pays debt off in 30% the time for most people. Cutting your pay off time by 30% also means a significant drop in paid interest for whatever you invest in. Call us for more information.

JH

Money Merge Account: Get more benefit

The Money Merge Account is a great concept, I have seen the program by itself help average Americans pay there home off in ½ to 1/3 the time. If you look at a full financial profile of a family I have found in most cases the benefit increases. I highly recommend you look at two other aspects of the Money Merge Account. Please talk to a financial planner. They may be able to provide insight into other financial aspects that will put you ahead of just looking at The Money Merge Account by itself. Also talk to a mortgage professional. The Money Merge Account deals mainly with your mortgage; in fact it is the first competent of the program. Doesn't it make since to talk to some one to make sure you are on the right mortgage program to achieve your new goal of paying off your house? In most cases as a mortgage professional I am able to create more discretionary income for my clients, and after running the analysis I find, my clients pay there home off on average an additional 2 to 5 years faster.

I just ran an analysis for two teachers in Huntington Beach California, and there results were amazing. They currently owe about $390,000 on there home, and have about $80,000 in other debts. They had some discretionary income, but not a lot. After reviewing there mortgage, refinancing them to lower there payments, and to pay off some high interest loans, we created more discretionary income, and they are going to pay off there home, and be debt free in 5.5 years, if they stick to the program.

They are so excited. I highly recommend everyone get a free analysis. We have an application on our website www.hoskinsvanhorn.com . It is free and we do not need any private information like account numbers, or social security numbers, so you do not need to worry about identity theft.If you would like more information on The Money merge Account you can email me at hughvh@themortgageguild.com, or you can attend my free live webinar, it is held every Saturday at 10am. The info is at the top of this blog.

Money Merge Account:can't get a HELOC?

I had a conversation on The Money Merge Account with another U First Financial agent today. He was saying it was tough to get some of his clients HELOC's. So I've decide to talk about 2nd trust deeds and Home Equity Lines of Credit today. I have been in the mortgage business for a little over 6 years now and manage a branch of TMG Financial Services Inc. called the Hoskins Van Horn Group. The mortgage industry has changed drastically in the last year. I have seen over half of the programs we had available go away. I have a lot of friends who have had to exit the business, and the industry has seen some major banks and business go away. This has happened for a whole variety of reasons, and maybe I will get in to those on a later blog. Right now I want to talk about what is available for HELOC's in the market place. First off the highest LTV or Loan to value ratio that we have access to right now is 125% however the rates are high, it must be full doc, and you must have a strong property. If you want great rates, HELOC's will go up to 89.99% Loan to value. Credit has to be relatively good with credit scores above 680, but again depending on the loan to value ratio credit scores may be as low as 580. It is important when doing the Money Merge Account that you look at the features of your HELOC to make sure it has all the features required to make the program work. I would recommend for anyone needing a HELOC for the Money Merge Account program to go apply at the bank you bank with, also United First Financial has a preferred company that does HELOC's for them; I would also talk to a broker like myself. Most of the time we can find the deal you are looking for, because we are approved to originate loans for hundreds of companies. We like to find needles in a hay stack. If you can't get a HELOC, remember a personal line of credit, or a business line of credit could also work. I hope this helps please email me if you have any additional questions.

Money Merge Account: One thing leads to another

In the words of the 80's band The Fixx:"Why don't we do what we say, say what we mean, one thing leads to another." The facts of how compounding interest and money works in our country is very complicated. It is no secret that banks have a lot of money. They are doing the right things to make them the most money they can, wile offering a service to consumers.Why is it as consumers we want to pay our homes off, we want to find ways to become more financially independent, but when it comes down to it, we have no plan, and don't do anything to improve our financial situation. In my Money Merge Account presentation I have a slide that says "The best tools in the world won't work if nobody uses them." It is a famous saying, and I don't know who originally said it but it is more than a statement of fact, it has become a philosophy for our lives. We want to have an opinion about everything, there are other blogs I read, where comments are left with little to no facts to back up there opinion. I know that personally I need to look at more things with an open mind, because if I come up with conclusions before the hypothesis, I will say I want a lot of things, but my actions will lead to another.I am so glad I took the time to learn about The Money Merge account. Honestly I started learning more about it so I could sell against it in my mortgage business, but when I looked at the software and concept more closely, I found it was an amazing product that would help a large majority of my past clients. This program is so amazing. Please do all the research you can. I know if you seek the information like I did you will love the conclusion. I do an online live seminar every Saturday. Please come and learn, I will answer questions at the end of the presentation.

Money Merge Account: Is now a good time to buy a house?

I know that The Money Merge Account software helps you pay off your home, and the concept talks about being more financially responsible. So I want to take a moment and address a question I get all the time. "Is now a good time to buy a house? Well I think there is a simple answer to this question. It is a great time to buy if you are in the right financial situation.Any time you are looking at a big ticket item like a home, you need to have the right mindset. Your mortgage is a debt, and if you have large mortgage, your home is a liability not an asset. Finance your home appropriately to your financial goals. I'm not saying to put down a lot of money, I am saying to make sure you can afford the payment no matter what happens, and that you have a strategy to pay your home off, using a product like The Money Merge Account.If you are in a position that you can truly afford a home then buy. You can buy new homes lower than it cost the builder to build them right now. There are also a lot of foreclosures on the market, and you should take advantage of the opportunities if you can.As far as real estate goes it has always appreciated over time. As Will Rogers once said back in the early 1900's "The funny thing about land, is they're not making it anymore.” In my last blog I included an example of what our real estate market has done over the last hundred years. Your home will appreciate over time. The best thing you can do is wait till a dip in the market happens, like right now, and buy. Any market goes up over time, it does not go straight up, there are peaks and valleys, find the lowest valley you can and buy. Warren Buffet is quoted as saying "buy when nobody wants it and sell when everyone does.” There is a lot of negative press right now, and there are homes being foreclosed on because people have lost so much equity and can't afford to hold on to there real estate.If you are fortunate enough to get a loan, and be able to truly afford to buy, then I would. I hope this has shed some light on the current market, and has emphasized the need for a Money Merge Account? Always have an exit strategy, make sure to hope for the best, and plan for the worst. Make sure you always preserve the equity you do have, by creating more when you can.

Money Merge Account: Why is this important?

I was thinking about why The Money Merge Account is so popular this mourning. Everyone I talk to has a desire to pay down there principle balance on there home, to either pay it off or create more equity. Now I know that this is an idea you would think everyone would want. However over the past 3 or 4 years no one wanted to pay there house off or even cared what there loan balance was. They just wanted the lowest payment no matter the cost.We are now in a real estate market where the average homeowner is watching the little equity they have as it slowly dwindles down to nothing. That is not a good feeling. Could this circumstance have been avoided? Is this normal? How did we get here? Why hasn't The Money Merge Account been more popular earlier on?

Well to understand all this we need a little real estate in America history Lesson. I believe the start of this goes back to 1934 when FDR signed the "New Deal". Apart of that "New Deal" was FHA or the Federal Housing Administration. FHA has done and is continuing to do a good job of making housing affordable in this country. They came out with a loan to help consumers afford housing. The first loan in 1934 was an interest only 5 or 7 year loan with a balloon payment on the end. It was only a 20% loan, which means the borrower had to come in with 80% down. Remember that house prices were also more affordable. But as Will Rodgers once said "The funny thing about land is they're not making it anymore." So house prices quickly started appreciating. It then all became supply and demand, as loans started requiring less investment up front from the average Joe, and the rates and terms of loans become more favorable with longer terms and lower rates. it became easier to own a home. Our population doubles every 50 years, those people don't all show up at once but over time. This makes the centers of our civilization more, and more expensive. Here is our real estate prices and the population growth side by side over the last 100 years, so you can see the effects:

The last 100 years:

Yr......Population...Change from last 50yrs...US Median Home Price
1906....75,000,000............Double.................$5,000
1956....150,000,000..........Double.................$16,200
Today..300,000,000.........Double.................$231,000
2056?..600,000,000??.....Double ??............$???????????

We have gone from a 5yr. loan to, 15yrs., to 30yrs., to even 40yr. and 50yr. year loans. Some folks have even done negative amortization loans where they pay a low payment below what is actually owed every month and differ the payments to a later time. None of these loans are bad loans, they all have strategies, and there time, and place, but it shows that the US is a country where we have come to the realization....."WE WILL NEVER PAY OUR HOME OFF."

That is why The Money Merge Account software is so important. It creates a system to pay your home off in as little as 1/3 to 1/2 the time, and it does this with little to no change in your current life style. It is changing peoples lives. It is a light in our dark world of debt. It is a way that the middle class can actually own there own home.I heard that in the old days, neighbors would through a mortgage burning party when they paid off there home. They would invite all there family and friends throw a party, and literally burn there mortgage. Wouldn't it be great to go to a party like that? I would love to have a Party to celebrate real financial freedom.

If you would like to make plans to have a party of your own. Read more of my blogs, and come to our free Money Merge Account webinar, it is every Saturday at 10am PST. You can do it from home. Please learn what you can about this awesome concept. The only thing you have to loose with the Money Merge Account is your mortgage.

Money Merge Account: Money Merge Accounts

I have found recently lots of information on Money Merge Accounts. It seems that there are several companies soliciting products very similar to United First Financials Money Merge Account. Don't let the look alikes fool you. Please make sure you are buying The Real Money Merge Account. You are dealing with your largest financial investment your home. Some of the other programs make you refinance your first mortgage into high interest rate first mortgages, some give you very simple mortgage calculators you could get for free online. My company website has many free calculators online at www.hoskinsvanhorn.com. Only the United First Financial Money Merge Account has the complex software required and the guarantee to back it up. If you want more information on how the software works please come to my free webinar on Saturday. the information is on this site. There is no such thing as money merge accounts, there is only one Money Merge Account and United First Financial has it trade marked.

Money Merge account is.........

The Money Merge Account is an awesome tool that is changing peoples lives. Here is an example of someone I just helped. I mentioned the program to her and she told me to do an analysis. I did and we both could not believe the outcome:

1. She only had 15 years left on her mortgage, but with the Money Merge Account she lowered the term of her mortgage down to 7 years.
2. I saved her over $250,000 in interest charges on her mortgage.
3. I refinanced her 1st mortgage and saved her $400 a month.
4. She always wanted to buy a second home near Palm Springs and because of the Money Merge Account she was finally able to achieve that reality.
5. She is going to own her home free and clear before she is 45 years old!!!!!!

The Money Merge Account software truly makes peoples dreams come true. Please find out more information on the Money Merge account. You are invited to my free online seminar on Saturdays, please come. The information is on this site.

Money Merge Account: The Top 10 Reasons to Use It

1. The Money Merge Account software will pay your home off in as little as one-half to one-third the time.
2. The Money Merge Account software will save you thousands of dollars throughout the life of your loan.
3. The Money Merge Account software will help you keep a better budget.
4. The Money Merge Account software will create an emergency cash fund and reserve account.
5. The Money Merge Account software will potentially create greater tax benefits for you.
6. The Money Merge Account software will help you lower and pay off your debt.
7. The Money Merge Account software will create lower stress because of lower debts.
8. The Money Merge Account software will help you create a financial plan.
9. The Money Merge Account software will give you the true cost of everything you buy.
10. The Money Merge Account software will create equity in your home faster than a conventional mortgage.

Money Merge Account ™: Power Point Presentation

This is a full explanation of how a Money Merge Account works. It is a live webinar by me Hugh Van Horn. I hope it will help answer your questions about the Money Merge Account.

Money Merge Account ™: How does a money merge account work?

How does the Money Merge Account work? The Money Merge Account works by using the one method that works to pay your home off faster......PREPAYMENT!!!! That's right, the program works by simply making prepayments on your mortgage.

Why the Money Merge Account software? Well it makes the pay-off faster than doing it yourself, or with any other program. Don't believe me? I have a bi-weekly payment calculator and a prepayment(making extra payments) calculator you can play with and do an analysis. It is on www.hoskinsvanhorn.com. I or another U1st financial agent can do an analysis using the Money Merge Account. I have never seen a circumstance where the simple prepayment or the bi-weekly payment option out performed the Money Merge Account.

If you search the Internet, the only folk that say anything bad about the Money Merge Account are people who simply haven't taken the time to accurately figure it out. It takes some research, and I know it took a lot of time until the light went on for me. Everyone who uses the money merge account seems to think it is the best opportunity out there. I have never heard anyone on the program who doesn't like it. Why does it work? There has to be a simple explanation....

The explanation takes numbers, math, examples, and presentations........but I will try to explain it as easy as I can. If you are a person who wants the in-depth explanation, come to my webinar or check out the videos further down on my blog.

OK here we go......
Your first mortgage is a closed ended loan, and your payments are amortized over the period of the loan (typically 30 years). During the first few years of the life of your loan, you pay very little principle. However, if you make a one time prepayment, your payment will not change, but the amount of money going to your principle balance will. The portion of your mortgage payment that goes to your principle will be greater than if you did not make a prepayment. The principle portion of your mortgage payment will continue to be greater on every single payment you make for the life of the loan. Where do we get the extra money to make the prepayment? Most of us don't have it sitting around in our savings accounts, and that's where the Money Merge account comes in. Providing you a way to borrow the funds for that purpose.

Now I know what you're thinking. This is where I started to become skeptical. You are saying to yourself "Why does it help to borrow money to pay off borrowed money?". Well it is common since the Money Merge Account allows you to use an open ended loan or credit line, which if used properly can cancel out interest by depositing your paycheck directly into it. In simple terms, it costs you less in real cold hard cash to have the benefit of paying the additional principle every month. Remember, paying the additional principle means less interest charges on a larger loan, your first mortgage.

The Money Merge Account software is the glue that holds this concept together. If you borrow too much money from your credit line you will pay too much money in interest. If you don't borrow enough money you will not pay your home off as aggressively as you should.
Do your research and don't be quick to judge. The software is worth it.

Just to recap:

1. You cancel interest by making prepayments.
2. You make the prepayment with an open ended credit line.
3. You cancel out a large portion of the credit line interest charges by depositing 100% of your paycheck into it. Use the credit line to pay all your expenses.
4. You pay the credit line down over time. Pull more money out to repeat the prepayment process, which is going to pay your home off faster than just sending in the extra payments every month.
5. The software examines this process for you to make sure you are making the right amount of prepayments.
6. You pay your home off in a fraction of the time.

If this still doesn't make sense you can watch the videos below, or come to my free webinar. Please email me, I will be happy to do an analysis for you. This program is helping people. We all should have the opportunity to own our homes free and clear one day. I hope to help you and the ones you love achieve that dream.

Money Merge Account ™: Benefits

The Money Merge Account is an amazing tool that will help you pay off your home in a fraction of the time, and save you a ton in interest. However, there are some additional benefits as well that never get the attention they deserve. Today I want to point out the other advantages of The Money Merge Account.

The Money Merge Account uses a home equity line of credit in most cases. That equity line is an awesome emergency funds account. My dad always told me to keep at least 1 years worth of savings just in case. Most Americans do not follow my dad's advice. In fact, the last statistic I heard was that 95% of Americans have no savings at all. The home equity line of credit is an available line. It is important not to use your equity line for non needed items, but if an emergency comes up, you have access to those funds. If you use the whole line of credit it defeats the purpose of the Money Merge Account, however the available balance is a great safety net in case something happens. And as they say better safe than sorry.


The budgeting affects of the Money Merge Account software also gets over looked. This program well teach you to be a better saver and help you stay on your budget. The true cost function is awesome. Perspective is key. I don't like it when someone tells me what to do, however I do like to have all the information available before I make a decision. The true cost function does that because every time you buy something instead of putting those funds toward your debt has a true cost including interest. A $6,000 recreational vehicle may actually cost you over $10,000. This feature will wind up saving you more than just the interest on your home.

The Money merge account is also a great way to boost your credit scores. One of the aspects that FICO looks at is your available balance. Since you have a HELOC that you are paying down, you will have a large available balance that will help increase your score. You also have an account to pay your bills with every month. You will no longer be waiting for your paycheck to pay the bills. Less stress and better credit scores.

These are just some of the other benefits of the money merge account if you want to learn more please come to our free webinar on Saturday at 10am. The information is on this blog.

Money Merge Account ™: The 3 components

There are three components to The Money Merge Account. All three are necessary to make the program work. To really understand the concept I would highly recommend that you go to my webinar on Saturday, or at least watch a couple of the presentations at the bottom of this page.

The three components are as follows:

1. Your 1st Mortgage:

Your 1st mortgage is obviously what we are trying to pay off. It is not bad though remember it was necessary to get you into your home. It is also hopefully at a very low interest rate. Borrowing hundreds of thousands of real money at rates below 6% is a pretty good deal. I love our country. It is important for you to realize what a good deal we as Americas can get on mortgage rates. We are truly blessed.

There are some features of your 1st mortgage that make your low interest rate pay the banks large amounts of money. It is a closed end loan. It is driven by an amortization schedule. It allows for payments but no withdrawals. It requires at minimum a full scheduled payment. It calculates interest charges from end of the month balances.

2. An Advanced Line of Credit:

You may have never heard of an Advanced Line of credit before. It is a term used by United First Financial. It is an account that is the tool to make the program work. An advanced line of credit can be either a Home Equity line of Credit, a Business Line of credit, or a Personal Line of Credit. This account works a lot like a credit card. It has interest charges, but that interest can be canceled out if it is paid by the end of the month. In the Money merge Account concept, you will be using this account as your savings account, your checking account, your second mortgage, and the account that will aggressively pay your mortgage off. It is the same concept that banks use. In essence you are becoming the bank and instead of borrowing it from them, you are borrowing it from yourself. The key is to know how much to borrow an when.

The advanced line of credit also has some key features that need to be in place to work properly. so an advanced line of credit is a home equity line of credit, a business line of credit, or a personal line of credit with the following features; payments will be applied to the loan balance when received. It needs to have the ability to adjust principle balance several times per month. It views daily balances to assess interest charges.

You will be depositing all your income into this account to limit the interest charges, what we call interest cancellation. You will also be using this account to pay all your bills. The same way you would use a credit card or your bank's debit card.

3. The Money Merge account Software:

This is the most important part. It is the heart of the concept. Without the software you would be traveling without a map or a plan. It would be like doing a complex math problem, without even a bean counter. I continue to do research on the Internet on this concept, and it seems this is the part that most consumers get hung up on. Partly because of the $3,500 price tag. So let me explain what the software does and what you get for your money. I truly believe that without the software the program will not work.

This program has been in Australia for years. A company brought the concept from Australia to the US, and it is not working well for most. Americans do not have the same discipline that other countries have. We always want the latest and greatest. It is hard to say no when the opportunity to buy new shiny things arise. The United First Financial concept and software, have eliminated this problem by having the consumer not refinance their first mortgage into a higher rate adjustable, and by having the true cost analysis feature on their software. The true cost analysis tells you what things will cost over time. If you buy toys instead of adding principle to your mortgage and canceling interest charges, there is a true cost. The software makes you aware of this cost.

The program also optimizes the amount of money borrowed from the advanced line of credit and is applied to your first mortgage. If you pay too much you will be eaten up by interest charges. If you pay too little you will not pay your home off fast enough.

The cost is $3,500, which comes out of your advanced line of credit, so you will pay it over time, and not all at once. There will be some interest charges for it, but the program will save you more in interest than what it cost you, many times within the 1st year.

In an example of a $200,000 at 6% interest rate, the first year the family paid over $12,000 more towards their principle, than by just making there regular scheduled payment and they saved over $160,000 over the life of their loan. This was in the 1st year! So is the cost worth it? I think so. I also know if you ask every question you have and have an analysis done, you will find this program to be beneficial to your financial portfolio.

So what exactly is the software?

It is web based. It does not move money or pay bills. It acts as an account register. It wants to know how much money is coming in and going out. It tracks your monthly budget, and often times takes less than 10 min. a month to use.

This software will save you tens of thousands of dollars in interest over the life of your loan.

Please get your free analysis. You will be glad you did.

Money Merge Account ™ Q and A

I have been on a lot of blog sites and chat rooms talking about the topic of the Money Merge Account. There are tons of questions. I believe that all questions should be answered before jumping into a system that is going to change the way you pay your bills. You should make sure it is worth it.

I make my living as a mortgage broker, and have prided myself on always being up to date on the best way to finance your home based on your risk tolerance, and your over all financial goals. I work with a lot of financial planners and am a member of the financial planning association as well, and none of them after examining the program can say anything bad about it, other than "If you don't use it, it won't work."

Please everyone with a question, please ask it, and I or someone in cyber land will give you the answer. I hope you find this blog and this web site the ultimate encyclopedia of knowledge on the Money Merge Account.

Money Merge Account ™: The U1st Financial Story

A Successful Start

The history of the Money Merge Account begins nearly a decade ago, when Skyler Witman and John Washenko launched Accelerated Equity, a mortgage company dedicated to building a reputation based on competitive rates and the best terms in the market. As young entrepreneurs, the partners worked around the clock in the company’s early years to give customers a high level of service and low rates.


By Accelerated Equity’s third year in business, it had become one of Utah’s fastest growing mortgage companies, attracting large numbers of both new business and returning customers. But in the face of all of this growth, Skyler and John began to notice the overwhelming mountain of debt their customers were accumulating. As loan officers, they could offer clients little help to pull themselves out of the mire of financial debt.


And so began years of research that would eventually launch a powerful new tool, revolutionary in its impact on the American mortgage system.


A Powerful Business Idea.

After two years of researching the industry, Skyler and John initially offered their customers debt reduction programs such as a bi-weekly payment plan to help minimize their debt, but soon realized their customers’ needed something more to meet their financial needs. In the summer of 2002, they discovered a method used in several countries to pay down mortgages in record time which required no day-to-day financial impact, while paying off debt and saving hundreds of thousands of dollars in interest.


Further research on these financial elements motivated Skyler and John to develop a top-notch IT division and contract with a mathematical engineer from GE Aeronautics to begin creating the mathematical algorithms (math engines) and system programming that would become the very heart of the Money Merge Account.


Several more years and millions of dollars were invested in research and development before a 1 year market test release rolled out in Denver, Colorado. To the pride and astonishment of the founders, homeowners from the initial 400 client test market who signed up for the Money Merge Account were achieving results even better than predicted. Homeowners with a traditional 30-year mortgage were on track to become mortgage free after only 8 to 11 years, all while paying off other debt in the process with a rate of 20% better savings and payoff time than was initially predicted.


Delivering Financial Freedom to American Homeowners
To facilitate the growing marketing needs of the Money Merge Account, Skyler and John brought on colleagues Jonathan Bonnette, Matt Lovelady, Don Jorgensen and Steve Smith, and created United First Financial. These colleagues brought with them many years of expertise in the mortgage and financial arena.


The program has become so successful that the team is busy rolling out educational seminars across the country and helping thousands of American homeowners get on the fast track to financial freedom without a mortgage. The demand for the Money Merge Account is exploding, and the company continues to bring on board the smartest, most talented financial agents in the country to help homeowners reach their dreams.