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Click here to read how Alex Spencer answers the I Can Do This Myself statement after using version 4. Money Merge Account system for himself. TOP 2. UFirst Live Webinars - Text Document. These webinars are designed to help train agents in entering a potential client's information into the Analysis software and submitting an. Money Merge Account Program Walkthrough. PAGE TITLE Money Merge Account (MMA) Program by UFirst Financial Enter cost of Money Merge account software Enter amount of free cash flow you have to prepay mortgage Average MMA cash balance x mortgage rate. Not Enough Discretionary Income The Money Merge Account system frees up discretionary money for you as it instructs you which debts to pay off first. Ask me how this works. What is discretionary income? After paying all your bills, buying your food, paying your mortgage etc., the money left each pay period sitting in your account, or pocket is discretionary income. Obviously the more discretionary income you begin with, the better for you, however, under certain circumstances the no- cost analysis will show that with $5. Find out where you stand. Log In to your Program Username Password. Based on your feedback and in an effort to keep your account as affordable as possible we are removing bill pay effective November 11, 2011. United first financial Introducing the Money Merge Account. We will do a free- of- charge, no obligation analysis for you. TOP 3. This is also the reason you have access to training and coaching through out the life of the program.* Yes, you can call and speak, one- on- one , with a real live person if you choose to.* There are also live webinar opportunities as well as recorded video tutorial presentations for you to utilize. You choose to keep this system as simple or as complex as you wish. The Money Merge Account system can be used just like a check/cheque book register, which records everything coming in to and everything go out of your cheque account. OR, you can be more complex and create folders that you can text message to find out remaining balances. Imagine being in a grocery store. You have forgotten how much money you have left in your grocery budget this month. Just text message the folder and it will let you know, so you never have to spend more than your allotted budget. You can utilize automatic bill pay and have text messages remind you that a bill is due. You will be given the option of paying the bill now or later. You can text your Money Merge Account system and ask it the true cost of a big ticket item you may be looking at while in your favorite 'toy' store. You can even ask it if this is the 'best time to buy' that item in relation to your whole financial circumstance at that moment. It could say 'yes' or it could say 'wait a week' or a 'month' etc. I Want To Keep My Mortgage Because I Like The Tax Deduction. I am NOT licensed in the financial field but I have investigated this issue. What I came to understand is a basic mathematical principal. Here is the question I asked myself... Why do I want to give the bank $1. I can possibly receive 3. I qualify for) as a tax deduction? Wouldn't it be more sensible to not pay the $1. Then I would be saving 7. I can either invest or use to improve the quality of my life. Then my money would be being invested in helping someone in need rather than just giving the lending institutions my money. Compare a Bi- Weekly & a 1. Mortgage with our Money Merge Account system Let's do a Mortgage Comparison so you can understand why having your no- cost analysis completed soon may well be one of the smartest decisions you have ever made. Total Interest Paid + Original Loan Amount. Bi- Weekly Payment Plan - 1. Applied Payments/ Year - Additional out- of- pocket expense,Does decrease mortgage term and save interest. Year Mortgage - Reduces Loan Term but does require a higher monthly payment. Money Merge Account system - Shortest Mortgage Term,Keeps monthly payment the same as a 3. Largest interest savings. TOPCONTACT US NOW SO WE CAN GET STARTED ON YOUR FREE ANALYSIS.... WE ARE LOOKING FORWARD TO HELPING YOU ACHIEVE A ZERO BALANCE A. S. A. P.!!!!! Cost of the Money Merge Account system. As was pointed out in answer #1 the amount of time and interest savings will always far outweigh the cost of this program. Check out the amortization schedulethat portrays real mortgage numbers. The cost of this $2. We're sure you know theanswer, so... Look at the amount of interest paid over five years in this example, approx $5. Isn't that over 8. Where can YOU earn over 8. Now, take from the 5 year equity build up of $1. Of course we are only lookingat the actual math. We are not including any variables of market values rising or lowering the value of the property, which could possibly increase or decrease your equity. Now what? You have either refinanced or you have sold your home and purchased another one. Now, you start at month one all over again with a higher debt owing and the highest percentage of your monthly mortgage payment being paid to the bank for interest, again. Not only that, but every single time you refinance or sell any property you are hit with closing costs and fees and taxes etc. So in this example, if this couple refinanced their 3. Equity build up is = to approximate cost of refi or selling & buying fees/taxes, $1. So far you still have no equity. After 2. 0 years you own zero % of your home but have paid the bank $2. Where else would you pay someone this sort of interest? Over 8. 0% in 5 years. Where could you invest and earn this type of interest rate, securely? No where I know of. It is much easier to save interest than it is to earn interest! So let's get started !!! The conventional banking method of refinancing dramatically increases your debt where as the. Money Merge Account system, coaches you completely out of debt while it is building your wealth. You can use the Money Merge Account system, financial navigation solution for the rest of your life to coach you to pay off any debt, mortgage or otherwise, with a life time of customer support and never have to refinance again. Our conclusion is that Refinancing over and over again Steals Your Wealth, whereas,the Money Merge Account system is a Steal. The cost varies based on whether you have at least one mortgage or no mortgage/s, your additional purchase of the Optimizer (optional) and your payment method (cash or terms). You can begin using this incredible system though for a down payment of $2. 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