Money Merge Account

In an effort to stay updated and provide continued support to the public, The Jubilee Project has released their third major website overhaul, which is now active and growing.

Visit The Jubilee Project 3.0

This new site boasts easier navigation, up-to-date information, including new video and podcast capability, as well as plans for a growing an ‘on site community’ to further interact with the public.

“I believe this will allow us to better serve and communicate with the public” remarked Jaime Buckley, designer of the site, “…because it will give us the freedom to communicate more consistently in one spot, rather than maintaining 40+ various sites across the web to gain viewers. We figured it would be better to work on doing cross-promotions and building the single, most reliable information center than to spread ourselves thin.”

The Jubilee Project is known for their promotion and support of getting out of debt, especially through the use of the Money Merge Account™ program, created by United First Financial™.

Though TJP 3.0 focuses on the Money merge Account™ program…it will cover a huge array of services, strategies and resources as it’s developed–giving individuals more options than ever to get out of debt and attain the financial security they desire, regardless of where they live i the USA.

What seems to be the resounding frustration of those seeking to change the financial landscape for the better is the public’s willing ignorance to the problems surrounding us. The financial crisis besetting American Families is not by chance, it is not by mistake–and to counter the damage we are all on track to sustain (we have only felt the beginnings), there must be an accounting of our own understanding and intelligence.

How determined are you to survive this economic collapse?

How determined are you to save your home, your job and maintain some semblance of the life you once enjoyed?

Take an accounting of your feelings and use the activities of our government as a sure sign that not all is well in America. Yes, you see the chaos around you, but do you realize the intent behind those in key positions within these institutions? Do you see that greed has become the primary motivating factor and key element for our current economic downfall?

Know that we, as a people are NOT the priority, and it is more than fair to say that those who look to the government institutions for the solution will receive exactly what they deserve.

Nothing.

It is not the governments job to save us. It’s not the lending institutions job to save us.

It’s our job. The people’s job, and there are those striving to bring about the change and working day and night to save the American Family from financial ruin, using available means in independent circles. This is where the real test of “We The People” starts…and where it just may end, if we simply turn our back on actual answers–for the excuses and deception of a government or lending institution.

We have options for our clients which can help them avoid bankruptcy and put financial control as well as security, back into your hands. We make sure you have the education and information before you ever decide to utilize our programs, especially the Money Merge Account system.

Our clients are having mortgage burning parties to celebrate their freedom.
Can you say the same?
For real solutions to home problems, talk to real people.
The Jubilee Project
801-208-9492
801-701-6650 (main office)
owners@thejubileeproject.com

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

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!

I remember watching a movie called the Little Shop of Horrors. The original was done in 1960 and is about a nerdy florist’s assistant named Seymour. He finds himself playing nursemaid to “Audrey, Jr.” a plant that has a ghoulish appetite for human flesh and blood. It starts out as this little plant that drinks a drop of blood and over time continues to grow and requires more and more victims as it incessantly demands of Seymour, “Feed me.”

That’s how I look at debt. Credit card debt, mortgage debt, it just keeps saying, “Feed me.” And like Audrey, Jr., it never seems to get satisfied. “Feed me.” “Feed me.” Shut up already.

There’s a verse in Proverbs where the petitioner asks to be protected from lies and deception; don’t give me poverty or riches, he says, just feed me with the food that is my portion. Debt is not always a bad thing. It can serve its purpose, and there are rational debt strategies that can actually increase wealth, but too often for the average family, it becomes like Audrey, Jr. and begins to require resources that are way beyond its portion. Debt too often feeds on self deception and eventually guarantees poverty. It doesn’t disappear on its own. It requires deliberate attention.

Mortgages are like that. It’s a debt that can serve a constructive goal, but more often it becomes like an appendage that we start to believe is supposed to be there. It’s like an arm sticking out of our forehead that’s been there so long we start to think it’s normal.

There are alternatives to that way of thinking. Equity Acceleration strategies are a purposeful attempt to eliminate mortgage debt while reducing the interest expense and some people have used them effectively for years.

Haven’t you ever thought; there’s got to be a better way? The answer is yes. It is a state of the art equity acceleration product that is relatively new to the United States, but it is a proven, safe, tested and effective way to rapidly pay off your mortgage in 1/2 to 1/3 the time. Are you happy with the rate on your primary mortgage? Great, no need to refinance; no need to change your mortgage payments; no need to painfully change your lifestyle; it’s called the Money Merge Account™ System.

Without cost, or obligation you can obtain a FREE ANALYSIS and see if it can work for you. You don’t even have to disclose your social security number. If you have a high speed internet connection, you don’t even need to meet an agent face to face. You can meet online and get all the details. No credit check is performed and you can find out if you qualify. It doesn’t get any more convenient than that. Why wouldn’t anybody want to save tens of thousands of dollars or more and get out from under the mortgage?

If you send me an email (just click here) I’ll show it to you myself.

Paul Phaneuf
Paul@PaidAndFree.com
www.PaidAndFree.com
401-766-1221

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

“Let us kill him . . . and we shall see what will become of his dreams.” Gen. 37:20

Dream Killers come in all shapes and sizes. They include procrastination, negativity, your best friend, your worst enemy, and don’t forget the guy at the water cooler.

How do we handle these “helpers” or “idea killers” in our life? One of the best ways I know is to be aware of their existence and seek to avoid them in areas of vulnerability. I don’t mean to cut them off completely, for they may be family–just realize that they are not committed to or understand your dreams and desires.

Make a conscious choice to keep these areas private, especially during the embryonic or incubation stages of establishing your dreams/ideas.

Maintain your focus, and keep moving forward to see your idea or dream become a reality. As someone once wrote, “Show no regrets for the past, no fear for the future. Expect to win! It’s a funny thing in life, if you refuse to accept anything but the best, you often get it.”

We may not choose our family, but we do have full control over our friends and over the amount of time we spend with friends and family. This is where we make the decisions that help shape or determine our destiny. In life, there are those who would kill our dreams and those who would, if asked, help nurture our dreams. We can identify and choose each group in which to associate and invest our time.

One of the most effective ways of dealing with an idea killer is by doing your homework. If you have researched your dream and have done your due diligence, some can even be brought around to being at least a neutral observer.

Demonstrate by your actions, that you’re committed. If you own a home and qualify–get on the program. Idea killers may occasionally become allies, but it takes massive work on your part to win them over to your team. Keep focused on your Dreams!

Don’t let another person’s critical attitude determine your worth or your future. You don’t know how high you can fly until you spread your wings and take to the sky. Please don’t let another person’s limiting beliefs, no matter how well-intentioned, stop you attempting to dream big, to compete for the ultimate prize … achieving your personal dream.

“I do not choose to be a common man (or woman). It is my right to be uncommon, if I can. I seek opportunity, not security! I do not wish to be a kept citizen; humbled and dulled by having the state took after me. I want to take the calculated risk, to dream and to build, to fail and to succeed. I refuse to barter incentive for a dole. I prefer the challenges of life to the guaranteed existence; the thrill of fulfillment to the stale calm of utopia. I will not trade freedom for beneficence, nor my dignity for a handout. I will NEVER cower before any master, nor bend to any threat. It is my heritage to stand erect, proud and unafraid; to think and act for myself, to enjoy the benefit of my creations and to face the world boldly and say, ‘This with God’s help, I have done. ‘ All this is what it means to be an Entrepreneur.”

It is too easy for those around you, who are hopelessly mired in their own mediocrity, to criticize you for trying to follow your dream, or acting to implement your great idea.

Theodore Roosevelt, who was often criticized wrote, “It is not the critic who counts, not the man who points out how the strong man stumbled, or where the doer of deeds could have done them better. The CREDIT belongs to the man (or woman) who is actually in the arena, who strives valiantly - who knows the great enthusiasm, the great devotion—and spends himself (or herself) in a worthy cause. Who at best, knows the triumph of high achievement; and at the worst, if he (or she) fails … at least fails while daring greatly, so that his (or her) place shall never be with those cold and timid souls … who know neither victory nor defeat.”

“Do not follow where the path may lead … go instead where there is no path and leave a trail,” writes an unknown scribe.

If you are to get criticism, and you will, let it be for following your own leadership and daring to build your dreams. Couple that with a sage tip from me, “Remember, they don’t build monuments to critics.”

Jubilee wants you to know that we believe in this company, we believe in this program–and we believe in each of you.

Lee Bradshaw
Co-Founder of The Jubilee Project