Money Merge Account

Where Can You Get a Safe Return in today’s stock market?
By Pam Provo, LHA, The Equity Expert TM

Because of the low rates on CDs and the 0% return on term insurance and equity in homes, people are turning to equity based life insurance INSTEAD OF THE VOLATILE STOCK MARKET directly.

Whether it is to just get a better return on life insurance premiums or to rescue the equity in their home, people are investigating what they are hearing more and more about these days: life insurance policies that have the upside potential of the stock market (with a cap) with NONE of the downside risk.

People looking to rescue the equity in their homes by placing it into these life policies to earn money, MAKE IT MORE SAFE AND MORE LIQUID. This smart system of leverage works when the borrowing rate is the same as the earning rate.

Believe it or not, it works even if the borrowing rate is slightly higher than the earning rate. Most often the safe earning rate can be arranged to be higher than the borrowing rate over the time you live in your home.

Of course, where you place your separated funds is a personal decision. It is recommended that only secure vehicles are chosen in order to protect against loses of this critical cash portion of your life’s wealth. And, depedning on one’s age, there are other vehicles that may be even better!

The specifics and details of how this can actually work are explained in detail in Chapter Five of “Stop Sitting on Your Assets,” special edition co-authored by Marian Snow and me, Pam Provo.

For a FREE preview of the book, OR FOR MORE INFORMATION ON HOW TO IMPLEMENT THESE STRATEGIES, please visit www.UnlockMyMoney.com or email me at info@unlockmymoney.com.

Pam Provo, LHA
The Equity Expert TM
385 South St.
Shrewsbury, MA 01545
www.UnlockMyMoney.com
info@unlockmymoney.com
508-925-4517

What is Remote Selling?

Remote Selling is using tools, processes and techniques to prospect, present, gather data and close Clients and new Recruits via the internet and over the phone. We want to focus on the close, educate the client and start closing.

Does Remote Selling Work?

Stuart “Mac” Saunders, National Sales Director with United First Financial was successful with just a phone and some mailers. He sold almost 400 new clients the Money Merge Accounttm program over the phone before anyone knew what the product was. This was also before we had the internet tools and presentation tools that we have today.

Remote Selling can be very successful if you learn how to use the presentation tools and a process like the one we teach, the (3) Step Presentation and Close.

What Can You Expect?

Create Mass Amount of Activity

Today’s Economy requires us to have a huge pipeline to be successful. You need 50 to 60 prospects in your pipeline just to have enough activity to get started as a uFirst Agent. If you don’t have a system to create a large pipeline you will have a more difficult time succeeding.

This is like panning for gold. We sift through our large pipeline, looking for those gold nuggets of clients and/or recruits that we can guide through to the close.

All Prospects Should Go Through the Exact Same Steps Regardless of How They are Obtained as Leads!!!

We have developed a system to help you build massive pipelines and handle all prospects with the exact same process all the way to close. Be more organized, don’t drop the ball with your prospects, create more activity, get more worksheets and close more deals!

Check our system and Remote Selling out at: http://www.myleadbusters.com

Gene Heckerman

Cell:  702-521-0194

E-mail:  GeneHeckerman@vmdirect.com

Perhaps you can relate to many folks I know: every evening when they come home, they empty their pockets of the change they have for that day and dump it into a coin jar.  Those pennies, nickels, dimes, and quarters lay around in a jar on a nightstand, soaking up the warm sun from the bedroom window, watching the TV that was left on during the day, just relaxing and waiting for more of their buddies to join them in the evening.  Several months down the road, the person will take that coin jar to a redemption machine and cash out maybe an accumulated $25-75 dollars, but until then, their lazy change is on an extended vacation in their coin jar – not bothering to lift a finger to work and earn some interest for them. 

That situation is not so bad, right?  I mean, how much interest could you really earn on $25 - $75 dollars?  But maybe the question should be: How much interest could you cancel on your credit card debt or mortgage with that money?  Every dollar matters and small change can make a big difference.  Now let’s exponentially increase those lazy dollars to say, $250 - $750.  Would you feel comfortable leaving that amount of money in a jar earning nothing?  I wouldn’t.  However, many people have this amount of money (and some, much more) sitting idle in their checking accounts (after they have paid bills and expenses) earning zero interest, waiting to be carried over to the next month.  The parallel here is that many persons treat their deposited pay checks the same way they treat their pocket change – they allow their money to remain idle and do nothing when it could very easily be employed for their short and long-term benefit.

Employed money works 24/7, never calls out sick, never takes vacations, and either earns you interest and increases your wealth, or cancels interest you would otherwise pay someone else and helps you to better manage/reduce your debt.  You work hard for you money, why not have your money work as hard for you?

There IS a very savvy way to maximize every cent you earn even while it is waiting to be spent.  Utilizing the Money Merge Account Program™ helps your income to do more without you needing to change your spending habits.  Its versatility is so very cool.  For homeowners, this program can help you drastically cancel the interest you would have to pay your mortgage AND credit card companies.  (For example, I have a client whose 6% mortgage is being reduced to an effective interest rate below 2%, and is on track to save over $195,000 in interest.)  Getting ahead is simple – help your money to help you. 

I’ve got a treat for you: click here if you want to change your life forever.

Qabbani J. Goodwyn
Mortgage Planner
Option Avenue Financial Group
qabbani@optionavenue.com
(800) 939-1396 Toll Free
(443) 200-5956 Office

I began appraising in 1990. I never intended to be an appraiser forever, but it was a “good enough” job at the time. I soon discovered I had a natural talent for it and my employer agreed. By 1993, I was managing the high-profile Beverly Hills office of a nationally known Thrift. Do you remember what home values were doing in 1993? There were some months that we were making 3% per month negative time adjustments. That means values at the time were declining at 3% per month, or 36% annualized. This was devastating to homeowners and lenders alike. The personal implications were simply that the appraisers were not very popular.

Over the years, the mortgage industry changed dramatically. When I started appraising, the lender’s job was to make good decisions for both the bank and the borrower. The borrower’s loan ratios had to make sense and the value of the property had to support the loan amount requested. Occasionally, there was a request to the appraisal department to see if there was “any room” in the appraisal for a slight value change, but usually only if the Loan Manager could see it in the appraisal. If the Appraisal Manager said “no,” then that was the final answer and the loan amount was adjusted downward. The loan industry then started changing into a competitive sales industry. Individual loan agent’s and their manager’s paychecks and bonuses were determined by the dollar volume of loans funded every month. Each year the aggressiveness increased and so did the pressure on the appraiser to “make the value.” This didn’t work for me. I constantly gave honest appraisals.

By 2006, I had been an independent fee appraiser, working for many lenders – and rejecting work from many others – for several years and making a decent living. In that year, I was the primary appraiser for a lender in a new development. The project had about 75 homes that were built in three phases. The first phase sold for $450,000 - $550,000. Phase two sold for $550,000 - $700,000, and Phase three sold for $625,000 to $850,000. The homes in all the phases were the same models with the same amenities and upgrades. The difference in pricing between the three phases was due only to the increasing market value of homes in the area. Because there were several other similar new projects in town with similar pricing, I asked the lender if there were really that many people in our town that could afford homes in this price range. We live in a rather small town of about 45,000 people and the average annual household income is under $50,000, according to the US Census Bureau. The lender told me that they were qualifying people into 0% interest loans so they could get in to the property and then would rewrite the loans when the 0% time period was up. I asked what would happen if rates were significantly higher and people couldn’t qualify when that time came. The lender said she didn’t think that would ever happen.

I was disturbed and became very disillusioned. I remembered all the foreclosures in the early to mid ‘90’s that I saw. I didn’t want to see them again. One of the saddest things I ever saw as an appraiser were homes that had been vacated by hard working FAMILIES – homes where, as I walked through, I could tell that the kids had been playing when the parents said, “Let’s go” for the last time. The kid’s toys were often left right where they were. It was heartbreaking. I still vividly remember those scenes.

As I drove away from my last “final inspection” in that new neighborhood, I knew that I was done. I closed my appraisal business with that final report. I spent the next several months trying to figure out what to do with my life. I dealt with depression and personal development issues. I knew I wanted to do something positive for people – but what? After a lot of searching and coaching, I finally knew that I wanted to live a life of freedom and show others that they could live free, too. Freedom, to me, means freedom from wage jobs, which I call “slavery” because someone else controls your time, AND freedom from debt, which I call “bondage” because someone else controls your finances. But I didn’t know how to accomplish this. I began searching for a vehicle that would allow me to live and teach this lifestyle.

Then I came across United First Financial’s Money Merge Account™ System and the Jubilee Project group within UFirst. I was blown away with excitement over the concept, but my own self-doubts kept me from making any decisions. As my life began to gain focus, I knew that the UFirst opportunity offering the Money Merge Account™ System was absolutely the right thing for me to do. We offer families hope in good times and in bad. It’s an awesome feeling to bring hope to someone who hasn’t believed in it in a long time. I know because I’ve been there.

Over the next few weeks, I’ll be talking about appraisal issues and concepts. I want you get something out of it, so, if you have any specific appraisal type questions, put them in the comments here and I’ll try to work them into future articles. And if you want to talk about freedom and how the Money Merge Account™ System can work for you, send me an email or give me a call and we’ll see how hope can be restored to you, too.

John Janecek
United First Financial
Independent Agent #895492
JohnJanecek(at)gmail(dot)com  (Just click it)
(805) 757-1404

For some it may sound strange to consider scriptural insights while making money decisions, but I have found that sound principles transcend subject matter.

While looking into some prophetic verses in the Bible I read the chapter in Isaiah where God is telling him to go warn the people that their hard headedness and hard heartedness is going to result in an entrenched obstinacy that will blind them to the truth. Because they have no desire to see or hear the truth, they will lose their ability to perceive it when it is before them.

I have found this to be true in my own life. If I’ve decided in advance that I don’t want to hear it; maybe I don’t like the messenger; maybe I don’t like the subject matter, whatever the reason, there are times where I’ve made up my mind before I’ve studied the evidence and I’ve almost always paid a price for that behavior. I am absolutely not suggesting a moral equivalence to Isaiah’s warnings and the practical process of investigating a web based software program. That would be absurd.

However, I am suggesting that in practical matters not dealing with basic principles, it is not a compromise to suspend judgment until you have completed gathering the facts. I am saying that a mindset to evaluating the truth or falsehood of a proposition is a wise posture to begin with. Life has a way of making you pay for presumptuous perceptions.

What if it is true that if you qualify, you really can pay off your mortgage in 1/2 to 1/3 the time and save tens of thousands of dollars or more with virtually no change to your lifestyle, no need to refinance, and no change to your mortgage payment? Would reserving your opinion until you have looked for yourself make sense? Is this worth a little time to get the facts instead of basing a decision on a random survey of uninformed opinions? In the end, we each have to make that call for ourselves.

If you own a home, equity acceleration as a concept and the Money Merge Account™ System in particular should be evaluated for its potential usefulness within the context of your financial plans. Find out what it’s all about and then sit with your financial professional to see if it fits in with your goals. I won’t presume to answer that, but I can say with confidence that ignorance is never an adequate basis for decision making.

Click on the link: Paid And Free and you can look to the left 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. You can decide for yourself if it works for you once you see the numbers.

WHO IS PAUL PHANEUF?

So you have a few investments, and everyone knows can’t make any money unless you take a few risks. Now, it has been a bad year for the stock market and that is going to happen every now and then but everyone says the marker will come back and you need to stick it out to make any real money.

We’ll start with the bad news: the “everyone” that gives market advice like the above is the investment company or individual you are using to invest. They make money when the market goes up or down. You take the risk and they get rich. Even if you don’t buy or sell, there are management fees…

Understand Investment Risk

Consider this situation. If you could invest $1000 without paying any fees, and were very, very lucky (or the year was 1999) and say your stock goes up 50%, you would then have a stock value of $1500.

But then the stock goes down 50%.

First it went up 50% giving you a potential profit, but then it went down 50% and your profit disappeared. No big surprises here. But everyone knows you have to take a risk to make money. Unfortunately you had to earn about $1300 to get $1000 of investable, after tax money. But you still have that $1000 and maybe next time you’ll sell the stock when it goes up 50%, right…

WRONG. Do The Math.

$1000 goes up 50% and equals $1500.

$1500 goes down 50% and equals $750.

$750. Not $1000.

You worked hard and earned $1300 and now you think you have only $750, but we all know that it is even less as you had the costs of “buy order”, a “sell order” and account paperwork fees. But while you lost money, your stock broker has made a profit.

Now the GOOD NEWS.  You do NOT need to take a risk to make money. If you are looking for the creation and preservation of personal wealth, don’t take risks until you have done the easy things. Make money the safe way. Save it. Eliminate your debt! If you use United First Financial’s Money Merge Account™ to eliminate some or most of the interest costs for your mortgage, you have a risk free opportunity to save tax free dollars. In the northeast corner of the country where I live, the average savings we have seen is $221,000 of tax free money! Now that is a lot of money!

Larry Lynch
Shrinking Debt to Build Equity
508-842-5721
LBLynch@townisp.com www.30in10.US

The Trash To Cash Transformation
Part 2 By Stan Shaw of the Equity Rescue TEAM

In my last article we examined the new opportunity available to Money Merge Account agents to help Home owners qualify for HELOCS and PLOCS using credit repair services from Fixcreditbiz for Money Merge Account prospects that were previously unable to qualify due to there credit score. In this article we will start to examine additional ways how to create a Money Merge Account sale from prospects that would normally “go in the trash”.
The next one of these “Trash to Cash” prospects we will be looking at is the over 35 million home owners with little or no mortgage. “What?” you say, “How can that be?”

Every time I have spoken to a prospect and asked them if their house is paid for–they have told me that it already was, or would be shortly, I just told them great and moved on to the next prospect. Now your telling me that they might be a prospect for the Money Merge Account? That doesn’t make any sense. Why would someone with their home paid or close to paid for be interested in a Money Merge Account? Ok, I admit that this sounds contrary to what most of us have thought in the past, but please read on.

Over the last few years there has been more and more concern by these 35 million home owners about retirement and one of, if not their largest asset, that as a whole has lost and continues to loose billions of dollars with no end in sight…

This asset had always been thought of as one of the safest, most liquid assets with one of the best rates of return around. But now these folks are finding out that what they thought was true really wasn’t!

What is this this asset they thought was safe, liquid and had a great of return?
It is their Home Equity! This valid concern has raised a lot of interest in the field of asset optimization and safe equity management that is practiced by specially trained advisors who safely separate a portion of this unsafe equity by having there clients do a cash out refinance and put it into a safe liquid side fund with a tax advantaged rate of return.

This is creating a a new opportunity across the country for Money Merge Account Agents to increase their business by teaming up with these Equity Management Advisors on these as well as other cases we will be discussing in future articles.

OK, that sounds like an interesting opportunity that I would like to learn more about and I can think of a few past prospects with their homes either paid off or soon to be paid off that I was unable to do Money Merge Account business with before that would be interested in this “Equity Rescue” program. What should I do now? To get more information on this upcoming opportunity please contact stan@stansloans.com or 508-866-0001.

Have you ever wondered why financial freedom is such a buzz word in the financial services world? I’ve often thought about the source of the deep yearning for financial freedom.

I think it stems in part from principles that weave through the Good Book and sound like the advice my parents use to give me. Those principles point to guardrails of wisdom that keep us from driving over the edge. In Proverbs we read that the borrower becomes the lender’s slave. If you’ve ever been overwhelmed by it, you know first hand that debt can be a form of bondage.

I won’t presume to give you financial advice or tickle your money glands. There are enough fat chance lottery games to scratch that itch, but I want to point to a concrete stepping stone that can make a difference without breaking the bank. It’s called the Money Merge Account™ System and it is a dynamic tool that can help you become mortgage free.

It helps you build equity while you accelerate the pay down of your principal balance without having to refinance, without changing your mortgage payment and with virtually no change to your lifestyle.

If you have concluded that mortgage bondage is something that you would rather live without, you can obtain a free analysis that will determine whether or not you can benefit from the use of this next generation financial tool.

Is it for everyone? Of course not; the only thing that is right for everyone is the unvarnished truth and the freedom to apply it to your life. But what if you qualify and really can pay off your mortgage in 1/2 to 1/3 the time? Has knowledge ever really hurt you or is it more that a lack of knowledge hurt you? I don’t want to be the lender’s slave, do you?

Click on the link: FREE ANALYSIS and you can look to the left and request a free analysis. Or you can email me if you have specific questions about the Money Merge Account™ System. I’ll be happy to answer them. You can decide for yourself if it works for you once you see the numbers.

Paul Phaneuf
Paul@PaidAndFree.com

When I am referred a client to work with and I am assisting them in being pre-approved for a home purchase loan one of the questions I always ask is, “According to your budget or spending plan, what is the maximum monthly housing payment you feel that you can afford?  Often times lenders can pre-approve you for more ‘house’ then what you may feel comfortable paying each month.” I don’t get surprised, but am rather concerned when I hear very common answers like “$1200, $1500, $1800, $2000, or $2500”.

These are nice round whole numbers that normally don’t reflect their actual budget for housing.  When I look over their credit report and ask them about their month expenses and how them came to this rounded whole number for a mortgage payment, many have said they figure or estimate they can pay that much but haven’t actually made a spending plan or budget to know 100% what they truly can afford.  In addition, many have never actually made this high of a monthly payment before in their lives.

If they do not seriously take a second look at their finances and provide adequate allowance for housing expenses, they will likely develop the need to refinance within 2-5 years.  They may need to tap into their home equity (if they even have equity) and refinance to pay off some additional debt they may have incurred or need to lower their mortgage payment because it is no longer affordable - due to increased taxes/insurance, gas & electric utilities, or because in hindsight they realize their mortgage payment was in actuality an uncomfortable stretch for them.  They had not correctly factored in past and future living expenses and the need to save for retirement.

It is extremely important to know where every dollar is going, to plan for future expenses and life events, and to save.

Many people do not balance a checkbook nor reconcile online statements and their monthly spending to their actual budget.  However, I have found that one particular program is working extremely well for a good number of my clients.  The Money Merge Account Program is helping them to budget more effectively and adjust their spending plan easily when required, to see where their money is going on a monthly basis, to remain liquid with cash reserves, and to cancel interest they would have had to pay their lender.  It is also helping them to build equity at an accelerated rate (regardless of appreciation), and actually pay off their loan sooner without increasing their monthly expenses.  It amazing how this program works and the results it provides – how it acts as a ‘financial dashboard’ and keeps you visually informed of where you are financially (with respect to your mortgage, consumer debt, income, and expenses) at any given moment.

Being in control of your finances is priceless.  If staying focused on your spending plan is important to you, and you desire to move in the direction of being completely debt-free, find out if you qualify for The Money Merge Account Program.  It’s easy and takes only a few minutes of your time.  I would be my pleasure to work with you personally.  Please call me direct if you feel that I can be of assistance to you: (443) 200-5956.

Be blessed.

Qabbani J. Goodwyn
Mortgage Planner
Option Avenue Financial Group
qabbani@optionavenue.com
(800) 939-1396 Toll Free
(443) 200-5956 Office
 

It is important to note that there is no “One-Size Fits All” advice that applies to everyone.

But, if you are a disciplined person, with some ability and desire to save money for the future, then this article may apply to you.

Actually, for most people NOT having a mortgage costs you much more than having one. Because the IRS bestows unique benefits upon home mortgage borrowing, holding a mortgage will actually make you wealthy over time. Think like Donald Trump for a moment–when he buys a hotel do you think he pays cash? No way, he borrows the money, gets the tax deduction and uses his cash to invest in something that has a chance to grow.

Think about it: in your lifetime, there’s a much larger chance you’ll lose your job or become disabled than you’ll lose your house. If you have a paid-off mortgage when that type of calamity occurs, where would you get the cash to support you through tough times?

Because of the way home loans are approved, getting another mortgage to tap YOUR locked-away cash becomes an unlikely, expensive or impossible proposition.
Why? Loan approvals are given to applicants who can evidence a monthly income sufficient to make the payments. In other words, you must document a history of gainful employment or an alternate stream of monthly passive income in order to get a new mortgage loan. You must prove you have a positive monthly cash flow in order to tap your own assets for a positive monthly cash flow.

Truthfully, your safety position is exponentially increased if you keep your precious cash in a safe side fund and STRIVE FOR DEBT FREEDOM INSTEAD OF BEING DEBT FREE. You can use your mortgage to your advantage. For more visit www.unlockmymoney.com