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.