2. Money Merge Account Program Orientation United First Financial & The Money Merge Account
3. How Do We Stop The Insanity? 3 Mathematical Principals 1 . No Stagnant Money Your Money Working For YOU! 2. Interest Cancellation Effect The Banks Money Working For YOU! 3. Open End Versus Closed End Loans Using Simple Interest to Negate The Power of Compound Interest
4. People who understand interest earn it….People who don’t pay it! The most wealthy and successful people in the world were polled and asked what was the #1 focus in achieving wealth. Over 75% answered that minimizing and eliminating debt was the key. Success Magazine / Forbes Magazine
5. 2005 Money Merge Account ™ Program 2005 - 2006 Denver Test Market 2006 United First Financial In 24 months…UFirst grew from ten Agents to thousands of Agents 1997 Accelerated Equity Founded by Skyler Witman and John Washenko in Draper, Utah One of Utah’s fastest growing companies for 3 years. In 2002, hired a group of experts to create a program to help homeowners pay off mortgage debt more effectively with little to no change in lifestyle.
10. U First was the cover story in a recent issue of Broker Banker Magazine “Outstanding Company of the Month” Brian Topor, " As an experienced mortgage originator and Founder/ Publisher of BROKER BANKER MAGAZINE, I've come across every imaginable product designed to help mortgage originators generate more business. Some have been great, most have not. I have never personally and/or publicly endorsed any product. However, I'm endorsing this one. It's the Real Deal."
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12. Moving in the Right Direction Don Jorgensen, Skyler Witman Jonathan E. Bonnette, Matt Lovelady and John Washenko
13. DO YOU KNOW WHO ERNST AND YOUNG IS?? Ernst & Young is one of the Big-4 global accounting and auditing firms with its origins dating back over 100 years · Providing clients services in audit, tax and business advice · In 2008, worldwide revenues were $24.5 billion up over 16% · With offices in over 130 countries, E&Y has over 135,000 employees · E&Y’s clients include 85% of Fortune Global 500, 73% of S&P 1200 and tens of thousands others E&Y’s Entrepreneur of the Year® program takes place in 135 cities across 50 countries and has been held 22 years now culminating in an annual worldwide event.
14. WE WELCOME YOU TO CHECK OUR IMPECCABLE CREDENTIALS Please feel free to use reliable and credible sources such as: Better Business Bureau Dun & Bradstreet Chamber of Commerce Federal Trade Commission Attorney General In regard to due diligence : blogs, chat rooms, forums and web sites used as sources some 75% of web searchers fail to determine the source of information they seek. Anyone can write a “blog”, but can you “Trust” their advice? USA Today
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18. Our System teaches you to make every dollar you make either earn interest or cancel interest!
19. Bank Like a Bank Sounds simple, but it is millions of lines of codes and multiple math algorithms hard at work. Ever since banks opened their doors, they have relied on math and timing to make money work. Now it’s your turn to bank like a bank. CANCEL INTEREST Computes the optimal time to leverage money to pay off your debts and cancel interest.
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21. John and Rebecca Jones Liability Structure Debt Amount Rate Payment Term Mortgage $200,000 6% $1199.10 360 Credit Card $0 12% $0.00 240 Income Structure Income Expense Discretionary $5,000 $4,800 $200
31. $200,000 Principal Balance 6% Interest Rate 30 Years $1,199.10 Monthly Payment Year 5 Effective Interest Rate =116% Principal Interest Balance Equity Paid Month 1 Month 2 Year 1 Year 5 Year 10 Year 21 Year 30 $199.10 $1,000 $200.10 $999 $210.33 $988.77 $197,543 $2,457 $14,389 $267.22 $931.88 $186,108 $13,891 $71,946 $360.44 $838.66 $167,371 $32,628 $143,891 $696.23 $502.89 $99,877 $100,123 $302,173 $431,677
32. Pre payment Example $200,000 Mortgage 6% For 30 Years $1,199 First Monthly Payment $5,000 Additional Principal Payment (Under The Mattress Money) $6,199 Total First Payment
33. Prepayment Savings Example $195,000 New principal loan balance 6% Interest rate $ 1,199 Monthly payment 337 Months $231,677 Original interest paid $203,373 New interest paid $ 28,304 -$ 5,000 Additional principal payment $ 23,304 Total Savings
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35. Factorial Math Fair Isaac* reports the average consumer has 13 active creditors on their credit report. Over 6 BILLION * www.myFICO.com
36. Can You Guess the Combination? 6 Variables Possible Combinations? 720
37. How Would you Pay this off? $10,700 7% Installment Loan $4,800 12% Credit Card $8,000 9% Credit Card $20,000 5% Auto Loan $200,000 6% Mortgage 1 2 6 24 120
38. John and Rebecca Jones Liability Structure Debt Amount Rate Payment Term Mortgage $200,000 6% $1199.10 360 Credit Card $8,000 9% $72.00 240 Credit Card $0 12% $0.00 240 Loan $10,700 7% $125.00 120 Auto Loan $20,000 5% $377.00 60 Income Structure Income Expense Discretionary $5,000 $4,800 $200
47. Making the Right Decision If you choose to override the system, it will immediately tell you what the impact of your emotional decision will be
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49. $121,855 Total Interest Saved with the Money Merge Account John and Rebecca Jones Conventional Program Money Merge Account TM System 40 Years Old 40 Years Old 30 years to zero 15.3 years to zero $247,764 in interest $125,878 in interest
50. After 2 years we have changed our customers’ lives with Over $355,000,000.00 In Principal Paid Down All you have to gain is Financial Freedom START CHANGING YOUR LIFE TODAY Results as of April 1, 2009
51. DO YOU QUALIFY? OVER 90% OF INDIVIDUALS, FAMILIES AND BUSINESSES WITH MORTGAGES AND/OR CONSUMER/BUSINESS DEBT WILL QUALIFY FOR OUR INCREDIBLE PRODUCT THE COST OF OUR PRODUCT WILL FIT ANY BUDGET. FOR LESS THAN $75.00 A MONTH OVER A SHORT PERIOD OF TIME ANY CLIENT CAN BEGIN TO SAVE TREMENDOUS AMOUNTS OF MONEY AND BE ON THEIR WAY TO FINANCIAL FREEDOM. With our 100% satisfaction guarantee, you have absolutely no risk at all!
52. Unlock Your Financial Future Schedule your free analysis today to see how the Money Merge Account™ program can change your life.
