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!
Monday, June 30, 2008
Friday, June 27, 2008
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:
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.
Wednesday, June 25, 2008
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.
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 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!
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!
Tuesday, June 24, 2008
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:
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
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:
- Take a simple pad of paper, make a list of your monthly obligations
- Utilities (gas; power; water; trash; cable tv; internet, etc) Total up
- Bills/Loans (mortgages; lines of credit; credit/charge cards; auto/rec vehicles, etc.) Total up
- Living related expenses (groceries; entertainment; medical/prescription (includes dining out) Total up
- Protection electives (insurance premiums, medical and life; investment allocations of any kind) Total up
- 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
Monday, June 23, 2008
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!
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!
Saturday, June 21, 2008
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:
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
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.
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.
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