I will never forget the night in 1978 when I went to San Francisco to hear Joe Granville, the great stock market technician, who had just returned from Detroit where the front page news read "Dodge plant closes for first time in history" Chrysler was on its last legs and the stock was trading at $3.00. I was with Paine Webber at the time and the auto analyst was screaming "Sell Chryler! It is over! The factories are antiquated and Chrysler is never going to come back."
Joe Granville walks onto the stage and announces that Chrysler will be the number one gainer on the New York Stock Exchange in the next 12 months. He was absolutely correct, as it eventually traded north of $38.00 per share. Joe's saying that "the obvious is obviously wrong" is the contrarian's motto. It just ain't what you think you observe. And so, the concept of being able to accelerate your mortgage without increasing the monthly payment, on the surface, is obviously absurd.
I didn't believe it at first either. I know, you are curious (which is one of the key ingredients to success) and you just can't believe how one can accelerate a mortgage without increasing the monthly payment. It took me a couple of pass throughs to get it, but I really got it after I ran a couple of analysis' and actually saw what the software was doing. The question for me became, "why are the tens of thousands of users of this system achieving such success?" The answer is that after adopting the system, users begin to cooperate with the system and begin to pay the mortgage off even faster as a result of better budgeting.
IBM was built on the premise of one word. That word was "THINK!" The great corporation, Hewlett Packard, was built on the question, "What If?" So I ask you to "think" about how much your life would change if you could accelerate your mortgage to be paid off in 1/3 to 1/2 the time. "What if" after you paid off the mortgage, you took the same payment and put it in the bank, at say 2-3%, for the balance of the time that would have normally been left on the mortgage? I call it a reversal of fortune. The miracle of compound interest being earned instead of being paid out is staggering. Or, "what if" you just wanted to spend the extra income from not making principle and interest payments for another 15 or so years on your mortgage? "What if" you could retire sooner? "What if" a product existed that can accomplish the above? Would it be worth an hour of your time to really check it out?. I mean, completely understand it.
Those of us representing this product know that the premise of accelerating the payment period on your mortgage to 1/3 to 1/2 the time, without increasing the normal monthly payment, is simply hard to believe by prospective users. Most people are so set in their ways, and have such pre-concieved beliefs, that it is too difficult for them to conceptualize the math in their head. They have already determined that it simply is not possible, and they have a mental block that doesn't allow them to follow the process fully. Some react as if you are trying to get them to switch their faith. Folks, this is simple finance, not religion.
My view is, "when you quit learnin', you quit earnin." Relax, be inquisitive, be open to new developments in science and business. There are many who could greatly benefit from this program, but continue on and take the hard road because they will not take the time to study the math of this amazing system. Or, upon searching the internet for further information on the Money Merge Account, they will find a related link created by a supposed authority, blabbering about this product being a scam. Usually, it is a financial planner working in tandem with a loan officer, who figured out about 10 years ago that they had a money machine. Their objective is to convince homeowners to refi an inflated home value, take a portion of the fabricated equity, and put it in (voilà!) some illiquid investment guaranteeing some unsustainable return (with an 8% commission) and then advises the client to keep adding disposable income to the fund. Rule number one; never borrow to make an investment! Either you have saved it through thrift management, or you haven't. What happens if both asset classes (real estate and equities) decline at the same time? You are in deep......... well, you get it. The Money Merge Account reduces risk by not leveraging to make other investments; is less costly than refinancing, and more efficient in targeting the specific goal to pay off debt.
Debt can be a killer. How much needless interest are you going to pay in a life time? The Money Merge Account system pays the debt off quickly, and then suggests to use the free cash flow to make an appropriate investment. I suggest maybe an income property where you can apply the software again and save huge amounts of interest and build new equity quickly.
As with every new technological advancement, there are always the rock throwers (who are generally miffed that they didn't think of the idea themselves) screaming authoritatively about something they know absolutely nothing about. There is no doubt that these critics have not actually run a Money Merge analysis and studied the process through to its conclusions. And lastly, their final claim is, "you can do it on your own!" (but only if you first refi with me, of course!) With the Money Merge Account, you don't need to refi. You may if the current loan is so ugly you can't stand looking at it and the numbers clearly warrant a refi. But in most cases, no, you can pay down the existing loan much, much, faster without incurring the added expense of a refi.
I know the work I had to put in to understanding the Money Merge Account system. I am in the mortgage business and it is my responsibility to know as much as possible about every aspect of this business. I discovered on the internet a link by a very well known mortgage authority calling this product a "fantasy'. When I say well known authority, I mean really well known. So I emailed him and told him I was getting involved with the product, and politely shared with him that I thought it was a bit too early to call it a fantasy. I postured that at this point there are tens of thousands of Money Merger Account users, and that it just may be too premature to cast judgment. With so many users now, could the actual results these people are realizing be a fantasy? Without a single complaint coming forth to date from any end user, it has to be true that the software is not only delivering as promised, but possibly even more so.
If you did not see the Channel 3 Las Vegas Money News team report at the link on the front page of this web site, please do. This is priceless; instead of just reporting the personal testimony of a Money Merge Account user, 3 of the reporters decide to buy the software for their own homes. In the face of such a definitive statement as "folks this really works", the desperate, (lazy in my book) critics of the Money Merge system, refuse to admit to the efficacy of this system. Can you imagine how much this tv station would be sued for if the reporters had withheld some evidence that the system was fraudulent? Take a few minutes to view this important report and be sure to click the "back" button when finished to return here: http://www.moneymergeoffice.com/replicated/HootGibson
For those of you who have decided to investigate further, be prepared to discover what may be the single most important answer to a major problem facing the real estate industry today, that being, home prices are currently declining (more so in some areas than others) at a greater rate than people can retire their mortgage. As you know, the traditional mortgage is front end loaded in favor of the lender. The majority of the interest in the first 20 years goes to the lender, and the borrower finally builds more equity in the last third of the loan. The only real solution to this problem is to reverse this condition, allowing for greater principal reduction on the front side of the loan and paying off the property faster; much faster. The United First Money Merge Account accomplishes this.
Some background history: The founders of U1st, simply discovered something that was overlooked by all of us (true of nearly all new discovery's) that being, interest on a HELOC is calculated differently than it is on the first, and by taking the entire function of the checking account, and moving it to the HELOC, one creates an interest cancellation function. For instance, if you charge $5,000 on a credit card on the 1st, and pay $5,000 on the 28th, you pay $0.00 interest for the month. You have canceled interest. And so, if you transfer $5,000 from your HELOC to the 1st Mortgage on the 1st of the month, and deposit $5,000 by the end of the month, not only do you shave months off the mortgage, you don't pay any interest for the month. (I can show you how this progresses month to month in a slide show) The point being, by utilizing the HELOC to pay all of your bills, and depositing your income into the HELOC, the software begins to optimize (cancel interest) creating a monthly payment savings of which a portion is used to help pay down the 1st mortgage. The system then begins to forecast when, and exactly how much (to the penny) you can safely transfer from the HELOC to the first.
Before offering the system to the general public, the Company smartly took this system to Denver and deployed it to 400 homeowners. Of those 400 homeowners, 97.5% of are still using the software and are 15-20% ahead of the initial Money Merge Analysis showing the amount they would save. After collecting data on these homeowners for one full year, and to make sure the product was meeting expectations, the Company then began to roll it out to the general public. Two years later, there are tens of thousands of homeowners utilizing the software and there has not been one single complaint from a single user that has purchased the system. So, to the detractors of this incredible financial tool; in time you will likely look like foolish people that only served to contribute added confusion and doubt surrounding this noble movement to make America debt free.
I believe there is a huge macro benefit to the banking industry from homeowners adopting the Money Merge Account system. As the user base of the Money Merge system grows, and millions of mortgages begin paying off sooner, desperately needed capital will be put back into the lending system. We are faced with a massive liquidity problem as institutional buyers of mortgages in the secondary market have virtually gone away. Fannie Mae and Freddie Mac remain the buyers of last resort in today's mortgage markets.
If all of our elected officials, and the resources they could command were ordered to find a single solution to this mortgage mess, I believe they could not come up with a more profound, practical, economical, one home at a time, solution of recycling 30 year money back into the system in 12-15 years, and most importantly, de-leveraging the huge amount of debt carried by homeowners! Another benefit to the banks is that they get to sell more HELOC's. The banks unwittingly, when creating the HELOC, actually helped created the solution to a very large problem.
For me, the process is very simple to understand, but impossible if you have already made up your mind that it simply does not work. I personally do not care that there are tens of thousands of people using the Money Merge system. I would buy it if there were only one individual using the system. The math process as to how the interest savings is being generated is extremely easy to understand. The Money Merge Account, internally, is another story. The software is driven by complex algorithms that instruct the movement of funds to decrease interest. This sets the Money Merge Account apart from the rest of the competition, including trying to do it on your own. The results are so profound that it brings a whole new dimension to financial planning.
The Money Merge Account delivers extraordinary results for a minor amount of money invested. The only real investment here is the 15-30 minutes a month the user needs to allot for the input of the financial data into the online check register. That's it. All the system wants to know is "what is coming in, and what is going out, and when." It doesn't want to know your social security number, account numbers, nothing other the amounts in the check recorder. The only way the user will not see the results given in the Money Merge Analysis is if they fail to faithfully input the data. Not a lot to ask for in the pursuit of saving hundreds of thousands of dollars, wouldn't you agree?
United First approached the problem of the traditional mortgage being front end loaded (the majority of the interest being paid on the front of the loan and principal on the back side) and created a system that works entirely in favor of the borrower first, and the lender second. How is this accomplished? By simply creating a HELOC that functions as an interest cancellation instrument allowing more dollars to be applied to the principle. The approach seems so simple that anyone could do it themselves (save the fact that nearly no one does) but the math driving the software is so complex and precise, that it is much more cost effective to make an investment in the software and let the program direct you as to when and how much money to apply to your principle. This is called "optimization". And it is this optimization that can not be matched humanly. Not only do homeowners generally not have the discipline to make transfers from their checking accounts to the first, they will likely either overshoot, or undershoot the correct amount.
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Most homeowners realize they will pay about twice the purchase price of their home on a traditional mortgage—a mortgage that will take 30 years to pay off. Also, many homeowners refi after 5-7 years to pay off additional debt (including the Home Equity Line of Credit) and start the 30 year maturity period all over again. With the Money Merge Account software system, you do not need to refinance (unless the loan is just plain too ugly to keep!) Many people will use the refi to do a debt consolidation, but by using the Money Merge system, the borrower can pay off a variety of creditors that interest is being paid on, to maximize the optimization and increase disposable income as a result of the HELOC functioning as an interest cancellation account. This is truly an incredible benefit of using the software and we encourage every reader here to let us run a free analysis so you can see for yourself.
Introducing a way to break that cycle of financial drain—the Money Merge Account. Developed by a team of financial experts with years of experience in the mortgage industry, the Money Merge Account rapidly reduces the principal of your mortgage, helping to reduce the interest on your loan. Your 30-year mortgage can now be paid off in as little as 12 to 15 years, with little to no change to your lifestyle or refinancing of your existing mortgage.
The Money Merge Account is not a bi-weekly payment or debt roll-down system. It’s a powerful new approach that gives homeowners flexibility with their money and accelerated financial freedom. |
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A side-by-side comparison of a traditional mortgage repayment shows the savings potential using the MMA system vs continuing to make standard mortgage payments. A 30-year, $136,058 mortgage at 5.25%, when paid through conventional monthly payments, will result in a 30-year total repayment of $270,474 – nearly twice the cost of the home. The MMA program can help repay the same mortgage in 11.3 years with a total repayment of $181,217. An incredible savings of $89,257 is realized on the same income, with the same mortgage, at the same interest rate, with little to no changes in your standard of living. MMA is simply one of the fastest ways to repay a mortgage and be on your way to financial freedom.
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The total cost of real estate just changed dramatically.
In the above example of a relatively small mortgage of $136,058, the Money Merge Account realized a savings of $89,257, paying the mortgage off in 11.33 years instead of 30 years. Here in California, the average mortgage is easily two to three times this amount, with borrowers saving $250,000 or more in total interest charges. Because of this huge interest saving, the system becomes an incredible hedge against a declining value. Call me and I will email you a real life case example.
The software requires an investment of $3500.00, which is borrowed from the HELOC, and is generally returned in the first 3-4 months from the savings being generated. Another way to look at this is; if the interest savings is $250,000, this amount is the cost for NOT using the software. And finally, what is the risk/reward ratio for investing $3500.00 with an expected savings/return of $250,000? 71:1.
I sold my last piece of real estate in the summer of '05 and began a transition to the foreclosure business. But before that, I spent years first, as a retail stockbroker, then as a mutual fund wholesaler, and finally running an investor relations business raising hundreds of millions of dollars for investments ranging from small cap stocks to treasury bonds. The returns on these investments were always dependent on the competance of management, overnight catastrophies, the misjudgment of portfolio managers, or a host of other events. In all those years of offering financial investments, I have never had the opportunity of offering a product like this with such powerful financial results. For a minor investment, the results are extraordinary and completely dependent upon the input of the user. You are in complete control and soley responsible, for the results. All you have to do is follow the program. The system does not want to know your social security number, account numbers, or any secured information. It only wants to know what is coming in and what is going out. That's it. It does all the calculations as to when and how much to efficiently transfer from the HELOC to the first mortgage.
If you do not have enough equity to qualify for a HELOC, you can still utilize the software if you can obtain a separate line of credit that has the same characteristics as the HELOC. Importantly, the Company gives a conditional guaranty (you agree to follow the instructions the software dictates) that you will realize the savings shown in the analysis.
Call me and I will email you a simple one page questionnaire. Upon receipt back from you, I will run an analysis of your current financial profile, and how much you will save by utilizing the Money Merge Account software.
This is a dream product for mortgage professionals, CPA's, lawyers, etc., so contact me about how you can become a reseller of this great product.
And, most importantly, thanks for your business! |