Money Merge Account

Remember “new math”?  It was summed up satirically by a songwriter named Tom Lehrer in this way:  “…in the new approach, as you know, the important thing is to understand what you’re doing, rather than to get the right answer.” 

Somehow in the 1960s, when the Soviets put a primitive object into space, we suddenly needed to teach our kids that in some mathematical systems, 2 + 2 can be something other than 4.   While there is a kernel of truth that undergirds the concept, I am compelled to ask, of what use is it when so many people can’t count change in a supermarket?

 Perhaps you have heard about “fuzzy math”?  It’s actually used in the science of “artificial intelligence”.   According to one definition, fuzzy math is based on “fuzzy logic”, and “fuzzy logic is a form of multi-valued logic derived from fuzzy set theory to deal with reasoning that is approximate rather than precise.”   Huh?

Oh, I get it; obviously this is the modus operandi of Congress, reasoning that is approximate rather than precise.  Actually, government has raised this from a science to an art form and extended it to the entire notion of truth.

Unfortunately when it comes to finances, we the American people have done the same thing.  In fact, sadly, Congress may be only our own reflection magnified and distorted like a funhouse mirror.  We run our financial lives as though 2 + 2 is only 4 when it’s convenient, and fuzzy is about the best word I can come up with to describe how most of us perceive our financial condition.

Sadly, we cannot run our lives or our checkbooks as though truth were something that we cannot define or determine.  There is no “new math” that can be used in a checking or savings account.  There is nothing fuzzy about debt.  We are forced to admit, sooner or later, that financial oblivion eventually leads to pain.

Pent up in the rumbling tide of our financial choices is a tsunami of consequences that cannot be evaded.  When the waters rush in, if we have made the wrong choices, if we have pretended that there really is a new math that applies only to us, as we gasp for air, we discover that the only thing that was fuzzy was us.

What if there was something that was so revolutionary and so state of the art, yet so simple and so accurate that it could bring an entirely new level of awareness to our financial understanding?  What if technology and financial common sense could create a financial north star that anyone could use to navigate to their destination?  What if such a thing were possible?  Would you know it, if you saw it?  I think you would. 

You might be thinking, come on, give me a break; when the student is ready, does the teacher really appear?  Check it out.  See for yourself.  Can you identify with the struggle?  Would you appreciate and seek out a possible solution? 

It’s called the Money Merge Account System™.  You can obtain a FREE ANALYSIS if you’ll click on this link.  Go to my website:  www.PaidAndFree.com.  No obligation.  No need to reveal your social security number.  No birth date required.  No credit check.  No magic.  Just math, real math; math you can use.  Be surprised by knowledge.  Dump the fuzzy math.  It ain’t new.

Paul Phaneuf

401-766-1221

Paul@PaidAndFree.com

www.PaidAndFree.com

Unless you’ve taken up residence in a cave deep in the hinterlands of some backward country, it surely has become apparent to us all that we are a nation in financial crisis.  Common sense and pragmatism are spurned in favor of electioneering nonsense and useless slogans.

Chameleonic changelings morph into whatever political shape will tickle the ears of the hysterical worshippers who faint at their feet all the while speaking vaporous nonsense that mesmerizes but does not lead.

We are a nation dying of energy thirst while our continent floats on a sea of resources.  In the meantime the average man and woman have been wooed into participating in a Ponzi scheme of unsustainable profiteering, profligate spending, immediate gratification and the ridicule of long held and proven values that have been the source of our prosperity.

In America today, the lunatics are running the asylum, the blind are leading the blind, and the opportunity to serve has become a platform to personal power, wealth and notoriety.

In Deuteronomy God tells the Israelites that if they do not obey his commandments that they will experience many curses.  He tells them that “you will grope at noon, as the blind man gropes in darkness, and you will not prosper in your ways; but you shall only be oppressed and robbed continually, with none to save you.”

Now you can think whatever you want to about America’s moral and cultural state.  You can choose to believe whatever spiritual perspective or religion you feel lead to practice.  So far, we still appear to be a free country most of the time.  But no one can look at the crises we are experiencing today in our nation and not ask this simple question.  What am I to do?

That question can be answered on many levels spanning morality, service, ethics, spirituality, and personal practice.  I want to touch one tiny area:  personal finance.  President George H.W. Bush use to talk about a thousand points of light.  Now I’m no 100 watt bulb, but maybe I can be a candle.  Banks are failing, home values are in free fall, Americans are deep in debt, and the economy is shaky. 

What the heck can I do?  How about getting my own house in order?  What if there were a way to apply sound financial principles to debt reduction and wealth accumulation?  What if technology and financial common sense got married?  What beautiful children they could produce.  What’s your plan, doing more of the same?

I invite you to visit my web site and check out the Money Merge Account System™ for yourself.  It costs nothing to look and I’m inviting you to the reception.  Meet the bride and groom: technology and financial common sense.  Don’t bring a gift.  We have one for you.  An eye opening, mind blowing, chain busting FREE ANALYSIS that will help you clean up your financial act and become one of those solid bricks that the foundation of our nation needs as we rebuild the teetering structure of our national financial house.  Common Sense is catchy.  Spread it around.  Visit www.PaidAndFree.com.  What have you got to lose besides anxiety and debt?

Paul Phaneuf

Paul@PaidAndFree.com

www.PaidAndFree.com

Professionals in the financial industry have no idea of the power they now have within their grasp. Not only in helping their current clients, but becoming the spotlight focus of a new breed of client previously unavailable to them: The blue collar worker.

Those wise enough to take a closer look at United First Financial and The Jubilee Project are finding a substantial growth in their business and personal income bottom line. Is it due to some magic marketing tactic or perhaps a more creative advertising strategy?

“Not even close.” says Jaime Buckley, Co-Founder of The Jubilee Project.

“It’s all about caring for people, being of service—which is where UFirst sets the example. Every family wants to be in a better financial situation, but most don’t know how. On the flip side of that equation is the financial planner, who now has an International entity like Jubilee Worldwide bring them a tool with training to streamline every current vehicle they now employ.

With v4.0 of the Money Merge Account™, we just put the financial planners business and profits on steroids!”

In an interview for Utah’s 2008 Entrepreneur of The Year Award (Financial Services–Earnst & Young), Skyler Whitman described the latest system upgrade as “upgrading from a skateboard to a bullet bike.”*

“This is changing America as we know it”, commented Lee Bradshaw of The Jubilee Project, “because now we all have hope—not just those with homes and good credit. Those who really need the program now have a viable, efficient, effective life-line. That’s what this new version has done for everyone in debt.

“You will never know just how deep the healing goes. It’s amazing when your new client jumps up from the table and gives you a ‘high-5’—especially when that client is over 60 years old.”

As a Top 10 Branch for United First Financial, The Jubilee Project now focuses on providing more service, not only to those in debt—but to the professionals looking to turn their business slumps around.

“It’s certainly not just Jubilee,” chimes in Brad Lavery of Jubilee. “…there are so many great agents and Branches in UFirst to choose from. The important point for a business professional is to get off your butt and get involved. You can be on the right path at the right time…but if you don’t move, sooner or later you’re going to get run over.”

With economic challenges facing most families of today, there is no question of the Money Merge Account™ program being the right product at the right time for the right reasons. Whether you’re in debt, building wealth or desire to accomplish both simultaneously—from the savvy investor to the blue collar family man, the answer remains the same: The Money Merge Account™.

It will change your world…for the better.

For more information about this dynamic system, to see if you qualify or to find out how you can bring increased savings and profitability to your current and future clients, contact The Jubilee Project.

Real people for real solutions.

1.801.208.9492 (cells)
1.801.701.6650 (Main Office)
owners@thejubileeproject.com

*Utah Business Magazine, July 2008

Dedicated to families and providing solutions to debt and wealth creation, The Jubilee Project traveled to Atlanta, Georgia, where United First Financial unveiled the evolution of the Money Merge Account™ program and the solution to American Debt.

One of the most controversial debt reduction programs on the market today, the Money Merge Account™ program has proven its value and consistent results for homeowners, despite sour views and speculation from traditional mortgage/financial professionals still waiting for a hopeless revival of the housing market. Thousands of families continue to investigate and purchase the Money Merge Account™ program, despite the bantering of Nay-Sayers-dramatically improving their financial situations and in many cases paying off all their debt in record time, including their mortgage.

“It’s almost humorous when traditionalists shout ‘Scam! Scam!’” comments Jaime Buckley, Co-Founder of The Jubilee Project.

“They want to convince others that it doesn’t work-pitting their views, which are speculation at best, against those of us who own the program and benefit from it! It’s nuts, really. I just came from an actual ‘mortgage burning’ party, for clients who are 100% debt free due to using this program. Yet their neighbors want to convince them it doesn’t work. Unbelievable.”

Jaime shakes his head in frustration. An emotion many UFirst agents feel when trying to help families who simply won’t listen.

“All you can really do is try to wake people up.” he remarks. ” I’ve heard Glenn Beck and Martin Victor Hansen talk about UFirst and the Money Merge Account™, and they not only praise the program, they praise the efforts of the entrepreneur force striving to promote it. This country is asleep, and those who don’t financially wake up and turn their lives around are going to find themselves in a literal hell they can’t escape.

The Money Merge Account™ changes everything and brings people hope where there is none.”

The first International Convention for United First Financial unveiled the newest version of the Money Merge Account™, v4.0.

With all the power of v3.0, this new system boasts the ability to work with a savings and checking account, for those who could not qualify for a Home Equity Line of Credit. Using ‘factorial math’, the new version squelches the challenge of ‘I can do this on my own’.

“Unless you’re going to stand there and tell me you can make over 3 million calculations each time you decide to spend a dollar, it’s just not possible to do this on your own.” commented Lee Bradshaw of The Jubilee Project.

“That’s just with a mortgage and 10 other debts/creditors. What makes matters worse, is if you’re wrong, it could cost you thousands-up to hundreds of thousands of dollars in interest! That’s huge. The new version takes every variable into account, making what we believe to be the most powerful and dynamic financial tool America has ever seen.”

One of the original challenges UFirst faced, was a lack of available technology. The vision was simply too large and too complex, though the intent was worth it’s weight in gold. Version 4.0 was allowed to ‘evolve’ to it’s rightful level of sophistication, which John Washenko, Co-Founder of United First Financial, called “the original starting point”. During a private viewing in June 2008, Mr. Washenko described the original vision to The Jubilee Project and nearly 80 other key UFirst leaders, which transformed their already passionate views.

“We now have a financial services company that helps people stream line their finances in eliminating ALL debt and creating wealth at the SAME time.” commented Brad Lavery, Jubilee Co-Founder.

“This is also my 10 second introduction I use for people who ask me what I do. I then end with: ‘Would you like to see if you qualify for this service?’”

“I am so excited about the direction that this company is headed. I can now see and show the lost opportunity cost for those who would rather invest ALL their money instead of paying off their debt. We are not getting debt free first then investing but we are able to accomplish this SIMULTANEOUSLY!” he smiles, then bounces on his heels with energy and excitement.

“This program is NOT just about paying off your house in record time. This is an educational process showing you exactly how your money works, when to pay down debt and which ones to pay first-when to invest, and when to make purchases. Not only when, but exactly how much to move and invest.”

The word leaked out through UFirst leaders even during the International Convention, as if reporting a blow by blow fight, across the internet to more than 80,000 independent agents who sell the Money Merge Account™ throughout America and Canada. A passionate group which Glenn Beck called “Entrepreneurs” and “the right people, with the right product at the right time” in his live address to 5000+ UFirst agents.

• v3.0 can still be used and those on it can upgrade if they so choose, to v4.0.
• v4.0 uses ‘Factorial math’. Someone with a mortgage and only 10 debts will have 3.6 million ways to pay off that debt. No, you can no longer do this on your own.
• Organization of funds transfer: will tell you what to pay off, when and in what order to achieve what you want!
• Almost anyone will qualify now.
  o No equity—no problem.
  o No appraisal–no problem.
  o No credit check–no problem.
  o No line of credit–no problem.
• v4.0 works with a HELOC, ALOC, Credit Card, Savings & Checking account. Yes, we said SAVINGS AND CHECKING!
• Introducing a ‘renters’ version (or a “Express” version), for only $1,795.00.
• Those who start on the Express version, can upgrade at any time by simply paying the difference.
• UFirst will also finance the Money Merge Account™ now–both the full version and the EXPRESS version.
• Full version is $2000 down + $75/mo. for 24 months.
• EXPRESS is $995.00 down + 75/mo. for 12 months.
• UFirst now has an optimizer package: a way to control all the variables, as well as special unique functions with your Money Merge Account™. (The optimizer is an additional $24.95/mo)
• Semi Auto Pay: The Money Merge Account™ tells you (text message to your phone) when bills are due and asks if you want the program to pay them through an automated system. 1 for yes, 2 for no.
• Auto Pay: The Money Merge Account™ can now move money for you as you direct it and then tell you when it’s been done.
• Money Pathing: Dictate where the money will be taken from, set the paths and walk away.
• Folders: Create your own folders for the program, such as savings, vacation, groceries, college funds, etc., and then assign what amounts get sent there.
• Text Interaction: Ask the Money Merge Account™ information and have it respond to you instantly, such as how much money you have in a particular folder, or perhaps ask a true cost question and get it in front of your husband before he buys the BBQ Grill, or before the wife buys that 25th set of shoes.
• BEST TIME TO BUY feature. Know when the best time is to buy ANYTHING, to save the most interest. The Money Merge Account™ will tell you your personal optimal point when to make the purchase, balancing out all your financial variables with what you’re already paying off.
• Start and stop dates. Income, payments, you name it, all for perfect accuracy—just fill in and forget.
• Multiple reports for every aspect of your needs/taxes.
• Faster load time: it’s now an application, not a web based program.
• Supports ANY platform:
  • Works with Windows.
  • Works with Mac.
  • Works with iPhone.
• Can now show the POSITIVE affect of using your savings or cash flow, –savings, 401K, money market, etc.–with the ability to create an analysis a full year out, or two if you need to! Clients want to know what a decision would do? SHOW THEM.
• “DOT” releases: Instead of new versions (5.0, 6.0) which come out after substantial periods of time, UFirst will now create “dot” releases instead (4.1, 4.2, etc.) a handful of which will be initiated and live before Christmas this year (2008).
• BEST OF ALL: Pay off ALL debts—and CREATE SAVINGS—AT THE SAME TIME!!!

“The financial profession will never be the same.” says Ondi Allred of The Jubilee Project.

“The value of this program and what it can do for everyone who uses it with force professionals to offer the Money Merge Account™ program, or be left behind without a clue or client.”

“Make no mistake,” he says with conviction, “this program is here to stay and those who don’t support it will eventually be ignored altogether.”

For more information about the Money Merge Account™, visit www.TheJubileeProject.com , or call The Jubilee Project directly: 1-801-701-6650 or owners@thejubileeproject.com.

A paradigm is the lens through which you see the world.  For a fish, the universe is a wet place and floating around in three dimensions eating and being eaten is what existence is all about.  We’ve all heard of people who see the world through rose colored glasses.  They look for the silver lining and don’t focus on the cloud.

Sometimes people who see the world through grey colored glasses make fun of them, but the rose colored glasses folk just usually seem to smile more than the grey colored glasses people.  Now this may seem a bit odd at first, but bear with me because I’m writing about a software product from the perspective of a particular paradigm which I hope will make you pause and think.

I am an unapologetic Christian and I see the world through the lens of Biblical scripture.  While some might say that could make me a prune faced, pickle sucking, judgmental spoil sport, in fact my perspective stems from a conviction that the universe is ruled by an all powerful God who believes in second chances. 

I happen to believe that God paid for and provided a second chance for all humanity by sending His blameless Son who voluntarily took the punishment for a humanity that has basically spit in God’s face and told him to get lost.  I’m not asking you to believe what I believe; I’m just letting you know where I’m coming from.

My point is that I’m looking at this Money Merge Account System™ from the perspective of a second chance, and I just happen to believe that the very notion of a second chance is based on something profound.  It’s profound and genuinely deep because it’s something God has done himself with humanity. 

Now please don’t take offense if like me you are a Christian and you think I may have somehow trivialized God’s measureless grace and mercy by considering it in the same sentence as a software program.  This is not a theological dissertation.   It’s not a Sunday morning sermon.  It’s just a little nibble at the vast buffet of foods for thought.

Have you miscalculated financial consequences; maybe not given them enough thought; maybe never learned certain principles in the first place; maybe made mistakes; maybe you believe there might be a better way?  Is late better than never?  What’s wrong with a second chance?

If you have not investigated the possible advantages to your financial well being that the Money Merge Account System™ can provide, maybe you could check it out and see if it might be a second chance for you.

Click on the link: Money Merge Account System™and request a free analysis.   Or you can email me: (Paul Phaneuf) if you have specific questions about the Money Merge Account System™. I’ll be happy to answer them.

Paul Phaneuf

Paul@PaidAndFree.com

www.PaidAndFree.com

Article used with permission from Author.

The following is an email of a client who has become a powerful advocate for the Money Merge Account™ program. Not just an ordinary homeowner, but someone with substantial professional experience in the financial arena. The Jubilee Project has been given permission to share this information with you, for those seeking answers to this system of paying off debt.

In fact, Nick has stated that he would be more than happy to talk with those doubting or having questions about the Money Merge Account. That is a unique offer indeed.

Here is the email in it’s entirety:

‘Jaime,

As per our conversation, here is the information I personally believe homeowners should understand and see for themselves about this phenomenal program. I have taken off the personal information (my account #, etc.) from my own statement, and give you full permission to post this as an example on you site. Please let readers know it’s essential they read the complete example in conjunction with viewing the attached file (the HELOC statement). Here’s exactly what I would say to someone looking into purchasing this program for themselves:

“We invested in the Money Merge Account May of 2007 without completely understanding how our 30 year fixed mortgage and other debts were going to be paid in full in less than 7 years. This concept of interest cancellation applied and managed by the Money Merge Account had been presented to us by one of my college friends. He clearly explained to us that our results would be achieved without refinancing, changing our mortgage payment or significantly adjusting our household budget. Our guaranteed results coupled with the trust and respect we had for our good friend was enough for us to proceed.

One of the best ways that I discovered to illustrate part of how interest cancellation occurs was by looking at our Home Equity Line of Credit(HELOC) statement for June 2007 which reflected our first months activity using the Money Merge Account system. (see attached June HELOC Statement)

June 2, 2007
A. Our June 2nd statement had a New Principle Balance of $ 7,851.64
B. Our Average Daily Balance was $ 1,266.39
Our Minimum Payment for June was $ 7.79
ALL HELOC’s will charge interest on the Average Daily Balance ONLY
A - B = $ 6,585.25 (0% interest charge)

We began the month of June with a zero balance on our HELOC. Following the cues of our Money Merge Account we chose to withdraw $ 28,538.81 of the banks money from our HELOC and send it to our 1st mortgage as a principle reduction. We then deposited $ 20,687.17 that had been sitting for 15+ years in a low interest bearing savings account. You will see that our ending balance was $ 7,851.64 at an interest expense of $ 7.79. That interest expense of $ 7.79 was calculated off of our Average Daily Balance of
$ 1,266.39. For the month of June we had the use of $ 6,585.25 of the banks money interest free! We found that “A - B = free money” formula to be both counterintuitive and bazaar! Essentially, we leveraged the banks money through the HELOC resulting in what could be called a To-Good-To-Be-True interest savings for us on BOTH our 1st and 2nd mortgages. This simple math edified for us how we will be mortgage/debt free in less than 7 years!

1. HELOC: $ 6,585.25 (leverage & float the banks money with no interest charged)
2. 1st Mortgage: $ 74,073.23 (canceled interest = 10 years of canceled mortgage payments)
3. Total Interest Saved: $ 6,585.25 + $ 74,073.23 = $ 80,658.48

Everything about the thought of sending such a large amount of money to our 1st mortgage felt so wrong until we realized that we had more than twice that amount of money available to us 24/7 through our HELOC. These changes in our household, now subtle, represented an absolute paradigm shift as we measured our concerns about how to get to the finish line with college tuitions and retirement. Our results for just this month of June continues to excite us. No longer stagnant, the velocity of our money directed by the Money Merge Account eliminated debt and canceled interest at a remarkable rate.

The interest canceled for our $ 3,500.00 investment in the Money Merge Account for the month of June ‘07 was $ 80,658.48. The above transaction, through on-line-banking, took us minutes to complete. With simple clicks of the mouse, we chose to “become our own bank” and we have never looked back.

For 15 years we managed our lives with Quicken and a trusted Certified Financial Planner and these options NEVER occurred to us. The Money Merge Account has effortlessly coached us to slightly alter our banking behaviors since May of 2007. This example illustrates the tip of the iceberg regarding the tangibles/the math of interest cancellation managed by the Money Merge Account.

The intangible gifts for my family relating to this dynamic program continue to reveal themselves to us daily. As a couple, we feel more aligned and in control of our families future than we ever have. It’s profound for us to realize that our children and their children will also grow up understanding that their mortgages and other debts will not follow them for a lifetime!”

Highest Regards,

Nick Griffin
Private Banking
508 435 1934 Direct Line
508 630 1667 Direct e-Fax
griffinwng1@aol.com
MetroBoston Mortgage Co., Inc.
Direct Lender
726 Washington Street
Canton, Ma. 02021

————-

There you have it friends. This really is math, and those who are taking the time to bring this to their current client base are experiencing phenomenal growth in their respective businesses. What better way to succeed, than by helping others first?

Contact us today.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

Please read this whole article in one sitting. I don’t want a flood of emails from agents that think I have gone over to the dark side.

I have removed the links to Nay-Sayers for a reason. I am not afraid that you may be swayed by them, but we need you all to realize that these so called “experts” will not be swayed by you. By visiting these sites you help them out by upping their search engine rankings, and they plan on this by making your blood boil with banter and illogical emotional barf. We all need to focus on our mission and not let ourselves be swayed by theirs.

This is a very impressive list of so called “experts”.
How dare I question their advice!??

Easy, here I go..

1) Jack M. Guttentag, Professor of Finance Emeritus and former Jacob Safra Professor of International Banking at the Wharton School of the University of Pennsylvania (one of the Worlds Best Graduate Finance programs). Earlier he was Chief of the Domestic Research Division of the Federal Reserve Bank of New York, on the senior staff of the National Bureau of Economic Research. Jack is also a Yahoo Finance Contributing Author.

Professor Guttentag states, “Based on everything I know, I have considerable confidence in my main conclusion, which is that the bulk of the reduction in interest payments comes from the borrower’s savings rather than from the program mechanism. … Neither the MMA nor any of its siblings provide the means for separating the contribution of the program to interest saving from the contribution made by the income the borrower allocates to principal reduction. The reason they don’t is that they want to pretend that it is the program that generates the benefit.”

2) Don Taylor, Ph.D., CFA, CFP, holds a Doctorate Degree in Finance and is an associate professor of finance at The American College, and writes the “Ask Dr. Don” column for Bankrate. He says the following, about even automatic type mortgage accelerators:

They are “Not for the financially indisciplined. If any homeowner, real estate professional, lawyer, or accountant is interested in more detailed information and truly analyzing these equity accelerator programs… below are some links and information that should shed a lot of light on this particular topic.

… Of course, all borrowers already have that money available with a conventional mortgage, too — and without the cost of refinancing. A borrower would simply need the financial discipline to use all that money as an additional principal payment. …Interest savings are still available the old-fashioned way by making additional principal payments on a conventional fixed-rate mortgage.”

(maybe he should learn to spell undisciplined?)

3) Holden Lewis of Bankrate.com, agreeing with Dr. Don, also warns “Don’t pay ANY Money to a third party to help you set up a [equity accelerator] mortgage payment,” in Paying for biweekly mortgage program makes no sense.

4) Greg McBride, senior financial analyst for Bankrate.com, in the Miami Herald “McBride added that homeowners could better put their money to use in a Roth IRA or education funds, instead of funneling money into a mortgage accelerator.” Reff (Miami Herald 5/21/2007 Quick-pay mortgage system isn’t for all):

5) Ben Stein (economist, writer, and funny guy) graduated from Columbia University with honors in economics. He graduated from Yale Law School as valedictorian of his class. He has worked as a poverty lawyer in New Haven and Washington, D.C., a trial lawyer at the Federal Trade Commission in Washington, D.C., a university and law professor at American University in Washington, D.C., at the University of California, and at Pepperdine University in Malibu, CA. At Pepperdine, Mr Stein has taught about securities law and ethical issues since 1986. Ben has written and published sixteen books, and nine nonfiction books about finance and ethical and social issue in finance…. plus most folks have probably seen him on TV.

In “When Paying Off Doesn’t Pay”, Mr. Stein writes “First, no one ever spent a sleepless night because she had millions in the bank and stocks but didn’t have her home paid off. On the other hand, if you pay off your mortgage and deprive yourself of liquidity, you could be in for some miserable times.

As I see it, if money is even the slightest bit tight, hold onto it and pay off the mortgage month by month. There’s nothing magically good about having a paid-off mortgage, but there’s something seriously bad about Not having ready liquid assets even if your home is paid for. …”

6) Carolyn Bond, CEO at the Consumer Action Law Centre in Melbourne, Australia. Anon-profit, funded by the Legal Aid Commission and the Government Consumers Affairs Office (Consumer Affairs Victoria):

In “Mortgage Accelerator Under Fire; Australian Securities and Investments Commission taking action against mortgage brokers” Carolyn Bond says,

“Consumer organizations such as ours, and our national financial services regulator - Australian Securities and Investments Commission (ASIC) - concluded years ago that there were no savings to be made, and that promoters were engaged in unlawful conduct. Examples and charts showing massive savings have all been shown to include significant increases in payments being made to the mortgage.”

As a follow-up Carolyn also points out: “I’ve seen it argued that these plans have a psychological impact; that borrowers are less likely to spend money if they know it’s coming out of their mortgage. We’ve seen that it can work in the opposite way. Some borrowers can’t stick to the plan, or don’t see the promised benefits, they then feel as if they have failed, or they realize they’ve got into something that is a con – and they feel they have much less financial control than they had originally.”

7) And … (short and sweet)… Steve Sushner, a Real Estate, Estate Planning, and Housing Attorney writes, “I reviewed this product for the first time last week. Frankly I am disgusted by it. It does NOT save any money, it merely moves debt from one location to another and in fact will cost most clients more money than it will save them (even if there was no $3500 fee and even if we forget the tax implications). The debt on the ALOC is almost entirely ignored. Additionally the program fails drastically when you realize that most people are paid twice a month, not once and in arrears. Substantial savings is realized on this program by these two false presumptions.

I so dislike this program (and find it grossly unethical- I’m sure the class action lawsuit is around the corner)….”

8 ) There are also many examples of other independent 3rd parties all over the internet, who have similar opinions and have been posting, blogging, etc… to help inform the public about the true facts behind these equity accelerators, and exposing the deceptive claims of magical savings without spending income or changing lifestyle.

9) Robert Grauer, Ph.D., University of Miami: 2007-05-27 The Miami Herald:

“I was shocked to read the Money Merge Account article [in the Miami Herald]. I am not opposed to prepaying a mortgage, I’m only opposed to paying $3,500 for the privilege of doing so.
The identical savings used in the example could be achieved by paying an extra $582 each month [from someone’s discretionary income].

Is that simple fact worth $3,500?

Why would anyone purchase a program when there are multiple online mortgage calculators for free that tell you the same thing?”

10) Manuella Adrian: The Miami Herald:

“I must take exception with the Money Merge Account. The strategy and services it offers — doing certain financial calculations for the borrower for a sign-up fee of $3,500 — provides scant savings and may bring more financial difficulties in the future if borrowers are unsophisticated or undisciplined.

The borrower is much better off using the $3,500 for the MMA sign-up fee to make a one-time extra payment to the mortgage principal.

Borrowers can calculate their own potential cost savings from extra payments to principal by using free Internet based mortgage calculators.”

11) IF you still don’t understand why Nationally syndicated Consumer Advocate Clark Howard thinks merge accounts “stink like rotting fish” then check out the discussions on his website and listen to his archived broadcasts at clarkhoward.com

12) Federal Trade Commission Information about debt consolidation and credit counseling.

Be wary of credit counseling organizations that:

* charge high up-front or monthly fees for enrolling in credit counseling or a DMP.
* pressure you to make “voluntary contributions,” another name for fees.
* won’t send you free information about the services they provide without requiring you to provide personal financial information, such as credit card account numbers, and balances.
* try to enroll you in a DMP without spending time reviewing your financial situation.
* offer to enroll you in a DMP without teaching you budgeting and money management skills.
* demand that you make payments into a DMP before your creditors have accepted you into the program.

NOW… for the actual truth:

In the late 1960’s an unknown account in the San Francisco California area introduced the first IRA.

All the experts lined up to call him a fraud and his idea a scam. Almost forty years later you can’t find one.
It shouldn’t be too shocking that the so called experts are yelling, kicking and screaming yet again. I was recently emailed this link to a website that had the above opinions of twelve “high profile experts” about the Money Merge Account.

It is very interesting to me that in reading through each and every one of the testimonials how they all are making assumptions about the UFirst product. They all are using their knowledge to predict the future for their clients based on the past ten to fifteen years. What they refuse to see is that the Real Estate wave is at its crest. Homeowners have listened to these “experts” for far to long. These “experts” still expect to be paid for their out dated information.

Beware of an ‘expert’ who professes to know all there is to know about his profession. I would rather one that was willing to study and learn and to not make assumptions. Their client’s are the ones that will be hurt in the end.

Watch the evening news. You will hear story after story of foreclosures and bankruptcies. Listen to the Home Owners that are interviewed. Who were they listening to that got them into the mess that they are in now?

One of your experts, from Florida, fails to tell the whole story. Florida is in a state of financial emergency. Thousands of home owners who believed in the advice by these so call experts got into option arm loans with little or no money down. If they built up any equity they quickly refinanced to pull all of it out to invest using their mortgage as their “greatest asset”.

These are the same people being interviewed on the evening news.

Know the bubble has burst, the wave has crested, and now homeowners with interest only payments, or Neg-Am payments are in for the shock of their lives. When the low introductory interest rate jumps it will swallow all or most of their discretionary income. Now, even if their credit hasn’t been knocked down by late payments they still can’t refinance because the reappraisals are coming in 20% to 30% lower that just one year ago.

In Florida, home of the lead “expert” that put this list together, people are abandoning their homes at an alarming rate. They got into these homes with no money down and have been paying nothing to principle. Now a home that they have no interest in, that originally appraised for $500,000. now appraises for $375,000. Does that sound like your greatest asset?

Here is Jubilee’s response to each of the 12 experts:

#1 The Money Merge Account with a HELOC helps pay down your mortgage, of course with your money. We don’t profess that this is fairy dust.

You still have access to your money through your HELOC. Without the HELOC it would be dangerous to send in a lump sum to your first mortgage, because once it is sent, you cannot get it back in case of an emergency.

No refinancing is required.

#2 As for the financially undisciplined–I hope you all have been through the client software training. If not do so ASAP. And as for being better for the client, being better served by just sending in the payment to the first mortgage–the experts don’t agree with each other. Without the HELOC the money cannot be accessed once sent in.

#3 I agree with–but we are not a Bi-weekly plan, so this expert is not referring to the Money Merge Account, are they This should point out clearly that due diligence has not been done concerning us, or that simple point would have been understood. It seems to me–assumptions were made.

#4 I wonder if he felt the same way forty years ago. Either way we can show the analysis both ways and the client can make that decision. I do believe that the client is smart enough to do so.

#5 HELOC again. Assumptions are being made yet again.

#6 As of yet no State Attorney General offices have contacted UFirst for running any ‘scam’. I am not sure what charts and graphs were shown in Australia. We are an improvement on the concepts used in Australia and are much more secure using a 2nd position HELOC.

#7 This guy is all over the place I suggest he attend a presentation.

#8 Last time I checked Mother Teresa nor her predecessor have a website to save the common home owner from the evil Money Merge Program. I do see plenty of others that have their own agenda’s and services to peddle, however.

#9 I am not sure which example he is referring to, but how is he going to access his equity without a HELOC?

#10 “Unsophisticated.” Does this word bother any of you?

I was chastised in person by a “Expert” Financial Planner who let his opinion of that word slip, and I quote: “ You know that the average home owner is too STUPID to have access to the equity in there own home.”

…and any tool offered for free is worth every cent.8)

#11 I have to admit that I like Clark Howard and I am not sure what he said so I will not comment on what he did or didn’t say, I hope that he didn’t assume anything without weighing all of the facts. However, we went to the Clark site as our opponent suggested and could not find information referring to us anywhere.

#12 I fully agree. We are not a DMP, so where’s the problem?

In a lot of the rebuttals I left out the most important Cog in the equation. The Money Merge Account program software. This is the tracking tool. It is the tool that all the others leave out. We all have tools that help us in all aspects of our lives. Can you do what the Money Merge Account does on your own? Yes, to a degree, but the software developed by United First Financial is working for you 24 hours a day 365 days a year calculating the fastest way to Zero. Our average client is finding over $150,000.00 in savings, and paying off their mortgages 20 years early.

Is that worth $3500? I know it is, and more importantly so do my clients!

Let me leave you with one other thought. These so called professionals know this industry is built upon your developed habits and conditioning. It is focused on ‘habit’…and aspect none of the so called ‘experts’ address at any time. The habits which are proven by the national trends, and is blatantly apparent by the lending industry. The fact is, our mortgages are created around that very set of habits.

This program helps people break those habits, by educating them and giving them first hand training in the affect their financial decisions have on their mortgages. If people would simply do this on their own, why haven’t they? The opportunity has always been there! Even these experts point that out. It’s because people won’t make those extra payments–and that’s where these experts make their money–from you.

They know full well their income comes from you staying in that cycle created by the industry. That is, unless they got with the REAL program, which is what we offer! FREEDOM!!

What scares and angers the “experts” who refuse to try the program, regardless of the guarantee, is that IF we are right (God forbid), they would have to admit they were wrong.

Ouch. Large birds don’t want to loose their perch.

I will not drag anyone into the lifeboat kicking and screaming. Nor will I quietly be burned at the stake, by the Nay Sayers, for knowing how to swim.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

P.S. No where in the Bible does it tell us to mortgage our home to the gills and speculate on the Real Estate or stock market. If this last line offends any of you. Maybe you deserve your mortgage.

So let me apologize to all the lovely blond people in the world starting with my wife.

A young blond gal needs to make some money and decides to knock on a few doors in the neighborhood and offer to do odd jobs. After a few rejections she is greeted by a kindly old man who asks her if she would be willing to paint his porch. “I have all the paint you need in the garage. How much for the labor?” he asks. Excited at the prospect of work and desperate for a break she offers to paint the porch for $50. Knowing a good deal when he sees it he accepts and the deal is struck.

He shuts the door and brags to his wife about the sweet but simple young girl who is about to save him a weekends work for $50. “Fifty dollars?” she exclaims. “Does she realize the porch winds half way around the back of the house?” “You’re such a cynic.” he tells her as he picks up the remote, basking in his financial victory.

Two hours later, there’s a knock on the front door and there’s his painter, covered with paint, job completed, hand out for payment. “You’re finished already?” he asks her. “Yup. And there was plenty of paint, I gave it two coats.” Delighted, he pays her the fifty bucks.

“Oh, by the way,” she says, “it’s not a Porsche, it’s a Lexus.”

Gosh there are so many applications from this silly story. Don’t assume. Make sure you communicate fully. There’s a Proverb (14:18) that says “The naive inherit foolishness, But the sensible are crowned with knowledge.” Now there’s an idea, good sense yielding knowledge as a defense against foolishness.

Has someone told you about the Money Merge Account System™? Has some know-it-all discouraged you from actually getting the facts? Some world renowned expert who hasn’t done his own homework talked you into getting your back porch painted for fifty bucks? Ask them how their Free Analysis turned out. What, they didn’t get one? Are you blond or what? Find out for yourself.

Get your own Free Analysis and see if you can save 1/2 to 1/3 off the term of your mortgage while saving tens of thousands of dollars or more; all with virtually no change to your lifestyle or current spending habits, no need to refinance your primary mortgage, no change to your mortgage payments. Have a great rate on your first mortgage? Great, you can keep it. If you like, check out my website at www.PaidAndFree.com; click on the Free Analysis link and find out what the Money Merge Account System™ can do for you. Hey, my wife is a beautiful blond, but she ain’t dumb. Don’t you be either.

Paul Phaneuf
United First Financial Agent
831291
Paul@PaidAndFree.com
www.PaidAndFree.com

The Jubilee Project started out with nothing less than a desire to change the very financial future of American Families. A loft goal to be sure, but a probable one with a tool not far from becoming a household name: The Money Merge Account™.

This team, which has grown into an International Alliance was founded on common goals, common beliefs and a desire to take ‘teamwork’ to a new level. The key was simple: take responsibility for our own actions. It became a National Organization in less than 6 months, with agents in virtually every state. From cab drivers to rocket scientists, mathematicians to lawyers, we supported each and every background—which were wide and varied. All we ever asked for was a fire in the belly and passion in the heart.

The rest was just practice.

What transpired was unusual and unexpected. Professionals from across the country flocked to The Jubilee Project banner: mortgage brokers, owners of magazines, bankers, loan officers, real estate companies, insurance professionals and investment companies. The common thread was a desire to have associations with an organization/team which could support their desire to grow, desire to produce and a desire for full training and support.

Since then, The Jubilee Alliance has dedicated itself to the growth, support and training of it’s agents from United First Financial. Jubilee has become the #1 positive voice of United First Financial and the Money Merge Account™—anywhere. That statement comes from Skyler Whitman himself.

What does that mean to professionals searching for the right associations when they desire to offer this phenomenal tool to their current clients?

CONFIDENCE: They have a team who understands the intricate workings of this program, and who continue to educate themselves on the changes made inside United First Financial as well as in the field. The Alliance is the #1 priority to it’s Founders, who answer their own phones and read their own emails. This is not a hobby, it’s a way of life.

SUPPORT: The Alliance constantly upgrades their training, continually adding to their database and toolbox, for all agents to use. This team is plugged in to UFirst in many ways and strive to keep their finger on the pulse of change and development within this opportunity. With an established “system” in place, which includes a generic, Unbranded step-by-step process to adapt to their own business—professionals are never lacking the tools they need to succeed.

TRAINING: The Jubilee Project opened the doors to their training, created connections with other groups, specializing in training aspects and specific tools. Allowing teams to focus on their strengths has created a stronger synergy throughout the entire company when it comes to overall training. Jubilee is also currently responsible for producing Corporate podcasts, so that audio training tools are made available to agents everywhere.

The Jubilee Project has turned it’s focus to growth, now that it can easily support the volume of agents—something which was previously feared. Spanning the country, The Jubilee Project, and now the Jubilee Alliance welcomes professionals from all backgrounds and industries, who want to thrive in the current economy…not just survive.

Survival is not enough.

Give us a call today.
The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

The short answer to this question is always yes.

But the more important question is, Will you?

The Money Merge Account™ is a powerful tool which not only calculates the fastest way to zero on your mortgage with the greatest savings–it does this with very little work on the clients end.

Saving the client time…and time is money.

Let me explain my value of a tool.
When I entered the construction industry I was older than all the other guys on the job site. I knew that I could not keep up with them physically. So, I invested my money in tools–the latest technology, to even the playing field.

It sounds funny now, but I showed up with two cordless drills to learn how to install cabinets.

My two trainers laughed at me. They liked the power which the corded drills gave them and they didn’t mind tripping over cords all day long–because they had grown used to it.

Within a week I was assigned to install the bathrooms and laundry rooms, because it was too much of a pain for my trainers to pull their cords out of the mess in the kitchen area. In the second week the head installer on the job asked to use one of my drills to test it out. The next day he showed up with two new Dewalt® cordless drills.

Now I would challenge anyone out there to find a installer using anything but a cordless drill on the job site.

A year later the shop had a meeting with all of us installers. They wanted to thank us for a banner year and for not falling behind.

In gratitude, they had decided to buy us a few tools. They asked us for input.

I raised my hand and suggested that they purchase us portable saw tables. Most of the old timers had always used a circular worm drive saws. Holding the piece of wood in their free hand while the blade was only fraction of a inch away from their fingers!

My supervisor stopped me and said we didn’t need table saw.

I asked him to hold up his hands. I held up mine with my fingers spread out.

He copied me–except he had only seven and a half fingers, compared to mine.

I went trough this argument three times with owners and supervisors of the shop, until they all agreed that ten fully intact fingers trumped whatever they had.

In every endeavor since, I have never hesitated to spend money for a tool–including the Money Merge Account.

…and every time that tool has paid for itself one hundred times over.

Lee J. Bradshaw

P.S. My trainers then, happen to be my partners now:
Ondi and Jaime, of The Jubilee Project.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!