National Statistic
Money Merge Account - Equity Builder
Strategy for Building Net Worth
RULE OF 72
3% 6% 12% 18%*1- $1,000 *1- $1,000 *1- $1,000 *1- $1,00024- $2,000 12- $2,000 6- $2,000 4- $2,00048- $4,000 24- $4,000 12- $4,000 8- $4,000
36- $8,000 18- $8,000 12- $8,00048-$16,000 24- $16,000 16- $16,000
30- $32,000 20- $32,00036- $64,000 24- $64,00042-$128,000 28- $128,00048-$256,000 32- $256,000
36- $512,00040-$1,024,00044-$2,048,00048-$4,096,000
How many years take to duplicate the Money24 Yrs 12 Yrs 6 Yrs 4 Yrs
Difference between 3% and 6% = 3%.
Difference between $4,000 and $16,000 = 400%
Albert Einstein said:
“Compound Interest is the Eighth Wonder of the World.”
“Those that Understand it, earn it.
Those that don’t pay it. "
• Assets – Debts = Net Worth
$250,000 Assets
$250,00 Debts
• Increase net worth by increasing asset value or canceling debts
• For many, mortgage costs are their single largest debt– Yet many people have no meaningful and consistent way to
reduce the costs of their mortgage.
8
Net Worth
Net WorthCancellingDebts
IncreasingAsset Value
How To Build Net Worth From Equity
Canceling out 6% of interest is the same as making 6%Canceling out 6% of interest is the same as making 6%
……instead of giving your money to the bank to float, instead of giving your money to the bank to float, you floated your own money for yourself?you floated your own money for yourself?
$ 200,0006% INTEREST
$ 200,000 6 %
INTEREST
$ 1,199
A Month
$ 190,000 Loan
6 % INTEREST
$ 1,139
A Month Cancels
$ 60
What If …
Not a New Concept – Australia and England
Australians pay $100,000 - $150,000 less in interest on their mortgages
than do we Americans.
$200,000
Mo
rtg
age
Savings
$3,000
Checking
$5,000
$197,000
Mo
rtg
age
Sav
ing
sChecking
$5,000
$3,000$3,000
$192,000$3,000$3,000
Mo
rtg
age
Sav
ing
s
Ch
ecki
ng
$5,000$5,000
(DO NOT REPRODUCE) 14
Europe, Canada, and Australia have been doing this for years.1/3 of mortgages in Europe and Australia are interest cancellation.Homeowners must refinance into an “Open Ended Line Of Credit”United First Financial has found a better way.
Interest Calculated On Average Daily BalanceTake Out Equity At Any TimeBank Accepts Payment Multiple Times
How is this possible?
You don’t have to:
• Refinance to lower interest rate
• Change your current budget
• Alter your current lifestyle
This is not:
• A Bi-weekly payment program
• A traditional debt roll down program
• Anything you have ever seen before !
ClosedEnded Loan(1st Mortgage)
ClosedEnded Loan(1st Mortgage)
Equity Line
ClosedEnded Loan(1st Mortgage)
ClosedEnded Loan(1st Mortgage)
$40,000
Equity Line
ClosedEnded Loan(1st Mortgage)
ClosedEnded Loan(1st Mortgage)
$200,000 $195,0
00$195,000
$40,000
$40,000
$5,000
$5,000 Income
$0 $0
Transfer Funds
A Better Way…
18
Incom
eAverage daily balance works in your favor; when you combine income and expenses and use your Open Ended Equity Line as your checking account.Keeping income in an open ended account cancels out the amount of interest that can be charged to you.
Consider all the cash flow that Consider all the cash flow that you give away every month. you give away every month.
SIMPLE STRATEGY:Your Equity Line BecomesYour Checking Account
How It Works…
A Paradigm Shift
History
History
• Parent Company is Accelerated Equity & Development In Draper, Utah
• Highly successful mortgage company for over 10 years
• Invested 2 million and 2 years developing the MMA software program
• Tested the MMA program with 400 homeowners in Denver, Colorado area
• Results: After 2 years 97.6% are actively using the MMA software and 15-20% are ahead of their original projections
Monthly Payment And “Float”Payments are due on the 1st, late on the 16th , and applied on the 30th Bi-Weekly programs can not avoid this “contractual” agreement.What happens to the money? (Interest, Principle?)
1st Due 15th 30th
One Way Banks Make Money: Float
Escrow Money
Mortgage Payment
Rental Income
Float
Stagnant moneyDaily balance in
Checking, Savings accounts, CD’s
Income TaxWithholdings
WHERE DOES THE MONEY COME FROM?Learn the Power of the Money Merge Account
Debt Merge
Credit cards, Auto loans,
Second mortgages,
Student loans
24
Three Components of an MMA
1. Your 1st Mortgage
2. Home Equity Line of Credit (HELOC) / Interest cancellation account?
3. MMA Software & Website
Component #1
1. Your 1st Mortgage
Closed-End Loan:The bank will ONLY apply monies once a month to this type of loan and will only apply a full payment to adjust principal balance
Component #1 -Your 1st Mortgage
Close-Ended Loan Structure
27
$ 1,199 Monthly payment x 360 Months (30 year loan) $431,677 Total repayment -$200,000 Principal loan amount $231,677 Total interest paid
$200,000 Mortgage At 6% Fixed Rate
Costs 115-120% Of Amount Borrowed
Interest Calculated On Month End Balance
Bank Applies Payments Once A Month
Must Sell Or Refinance To Receive Equity
A Few Mortgage Facts….
Amortized Loan: $200,000 @ 6% = $1,199
TotalYears Principal Interest Balance Equity Payments
Mo. 1 199.10 1000.00
Mo. 2 200.10 999.00
1 Yr. 210.33 988.77 197,543 2,457 14,389
5 Yr. 267.22 931.88 186,108 13,891 71,946
10 Yr. 360.44 838.66 167,371 32,628143,891
21 Yr. 696.23 502.87 100,573 99,436300,974
Component #1 -Your 1st Mortgage
Example of Applying More Money to Principal
$1,199 First monthly payment$5,000 Additional principal$6,199 Total first payment
Component #1 -Your 1st Mortgage
Component #1 -Your 1st Mortgage
Example of Applying More Money to Principal (Cont’d)
$195,000 New principal loan balance
6% Interest rate
$ 1,199 Monthly payment
337 New Months
$231,677 Original interest paid
$208,272 New interest paid
$ 23,405 Interest Saved
0
50000
100000
150000
200000
250000
Interestto Paid
InterestSaved
Months Saved
24
One time payment $5,000
$23,405
Component #2
1. Your 1st Mortgage2. Home Equity Line of Credit (HELOC) /
interest cancellation account.
Open-End Line of Credit Second mortgage with variable rate The lender will apply payments/deposits
to loan balance when received, not at the end of the month
Multiple payments forces the lender to adjust principal balance multiple times per month
Component #2 -Your 1st Mortgage -ALOC
$200,000
$60,000
Mo
rtg
age
Open a Home Equity Line of
Credit (HELOC)=
HELOC
HELOC
Closed Endloan
Open Endloan
We need an account that will work as much like a Checking Account as possible, but still cancel interest.
–A Home Equity Line of Credit (HELOC) would work!
•Unlimited check writing
•Unlimited debit card usage
•Access to YOUR money (and equity) 24/7
•Open ended interest instead of Front loaded interest (like on our mortgages).
•Client will payoff the 1st mortgage and the HELOC in the same amount of time.
Open-End Loan
Becomes an Interest Cancellation Account! Control your money, so your money doesn’t
control you and… Get your money working for you instead of
working for the bank! Functions as a primary checking account Deposit all of your income into the HELOC Pay bills as you normally do using the HELOC
Size of HELOC does not matter
Component #2 -Your 1st Mortgage -ALOC
Front-Loaded Interest Assume you have a 30 yr. Mortgage and you Move or Refinance:
Within 7 years, results in paying a staggering 68% Within 5 years, results in the equivalent of a 102% Interest!!!
Effective Interest Rates
Is 6% really 6%? Is 8% really 8%?Is 6% really 6%? Is 8% really 8%?
1st Mortgage HELOC Months-End Balance Average Daily BalanceClosed End Mortgage Open End Line of Credit $ Goes in – Locked in $ In and $ Out - $ In and $ Out
Difference between types of loans:
Compound Interest - “The greatest mathematical discovery of all time.”
Component #3
1. Your 1st mortgage
2. Open-End ALOC
3. MMA software and website Financial dashboard Financial planning Online account register Maximizes money performance 10 minutes per month to update
Component #3 -Your 1st Mortgage -ALOC -MMA Software
MONEY MERGE ACCOUNT SOFTWAREMONEY MERGE ACCOUNT SOFTWARE
Web site based – Takes No Personal InformationDoes NOT move moneyDoes NOT pay billsFunctions as an account register
Wants to know how much money is coming inWants to know how much money is going out
Tracks your monthly budget10 minutes per month to updateContinuous customer support
Money Merge Account Specs:
Software prompts when to make payments.
It understand budgets and financial planning. It maximizes your money performance. Automatic “back-up” – Your own website. NO ACCOUNT NUMBERS!
The HELOC is the “Vehicle” which allows you to be the Bank… allows you to Float the banks money to cancel interest.
The MMA Software is the “Navigation System” which guides you the quickest way to zero.
Jones Family$200,000 Loan @ 6% =
$1,199.10$15,000 Equity Line @
10% $5,000 Monthly income-$4,000 Living expense (mortgage, car
payment etc.) $1,000 Discretionary
incomeMonth 1
$3,500 MMA investment
$4,000 Living Expenses$7,500 On your equity
line$5,000 Income$2,500 Monthly balance$20.83 Interest $20.83 Interest
Month 2
$2,500 Starting Balance
$4,000 Living Expenses$6,500 On your equity
line$5,000 Income$1,500 Monthly
balance
$12.50 Interest $12.50 Interest
$1,500 Starting Balance
$4,000 Expenses
$5,500 $5,000 Income$ 500$3,675.77$4,175.77
Average balance
Month 3
Funds Transfer
$34.80 $34.80
3 Month Total$68.13
3 Month Total$68.13
Interest Cancellation$17,790.17
Principle Interest Balance Pmt. Left
Month 1 $199.10 $1,000.00 $199,800.90 359
Month 2 $200.10 $999.00 $199,600.80 358
Month 3 $201.10 $998.00 $195,723.93 339
Month 4 $220.48 $978.62 $195,503.45 338Principle JumpedPrinciple Jumped $19.38$19.38
$4,175.77 Start Balance$4,000 Living
Expenses$8,175.77$5,000 Income$3,175.77 Monthly
balance
Month 4
$3175.77 Starting Balance
$4,000 Living Expenses
$7,175.77$5,000 Income$2,175.77 Monthly
balance
Month 5
$26.46 Interest $26.46 Interest $18.13 Interest $18.13 Interest
Principle Interest Balance Pmt. Left
Month 4 $220.48 $978.62 $195,503.45 338
Month 5 $221.58 $977.52 $195,281.87 337
Month 6$222.69 $976.41 $192,138.94 323
Month 7 $238.41 $960.69 $191,900.53 322
$2,175.77 Starting Balance
$4,000 Expenses
$6,175.77 $5,000 Income$ 1,175.77$2,920.23$4,096.00 Average
balance
Month 6
$34.13 $34.13
6 Month Total$146.85
6 Month Total$146.85
Interest Cancellation
$12,274$29,523 Total
$15.72$15.72Principle JumpedPrinciple Jumped
Funds Transfer
$4,096 Start Balance$4,000 Living
Expenses$8,096$5,000 Income$3,o96 Monthly
balance
Month 7
$4,000 Living Expenses
$7,096$5,000 Income$2,096 Monthly
balance
Month 8
$25.80 Interest $25.80 Interest
$17.47 Interest $17.47 Interest
Principle Interest Balance Pmt. Left
Month 7 $238.41 $960.69 $191,900.00 322
Month 8 $239.60 $959.50 $191,166.93 321
Month 9 $240.80 $958.30 $188,502.45 309
Month 10 $256.59 $942.51 $188,245.86 308
$2,o96 Starting Balance
$4,000 Expenses
$6,096 $5,000 Income$ 1,096$2,917.68$4,003.68 Average
balance
Month 9
$33.63 $33.63
9 Month Total
$233.48
9 Month Total
$233.48
Interest Cancellation
$11,155$40,678 Total
$15.79$15.79 Principle JumpedPrinciple Jumped
Funds Transfer
$4,003.68 Start Balance
$4,000 Living Expenses
$8,003.68$5,000 Income$3,o03.68 Monthly
Balance
Month 10
$4,000 Living Expenses
$7,003.68$5,000 Income$2,03.68 Monthly
Balance
Month 11
$25.03 Interest $25.03 Interest
$16.70 Interest $16.70 Interest
Principle Interest BalancePmt. Left
Month 10 $256.59 $942.51 $188,245.86 308
Month 11 $257.87 $941.23 $187,987.99 307
Month 12 $259.16 $939.94 $184,811.16 295
Month 13 $275.04 $924.06 $184,536.12 294
$2,096 Starting Balance
$4,000 Expenses
$6,003.68 $5,000 Income$ 1,003.68$2,917.67$3,921.35
Average balance
Month 12
$32.68 $32.68
12 Month Total$297.89
12 Month Total$297.89
Interest Cancellation
$10,184$50,862 Total
$15.79$15.79 Principle JumpedPrinciple Jumped
Funds Transfer
MMA Program Conventional Program
Starting Balance $200,000 $200,000
Year End Balance $184,811 $197,543
Repayment Time 10.4 Years 30 Years
Total Interest Paid $70,422 $231,677
7.5% Increase In Net Worth 7.5% Increase In Net Worth 7.5% Increase In Net Worth 7.5% Increase In Net Worth
Total Interest Savings of $167,219.00Total Interest Savings of $167,219.00Total Interest Savings of $167,219.00Total Interest Savings of $167,219.00
MMA‘s Algorithm Optimizes EverythingMMA‘s Algorithm Optimizes Everything• How much and when…
- If you transfer too much, interest charges will eat you
up - If you transfer too little,
not enough principal increase - Dollar amounts are different every time - Frequency varies every time - Need a financial dashboard
Newly Married
(DO NOT REPRODUCE) 56
Mortgage ALOC
Many people think…When you use $$$ from the ALOC…
Misconception
Mortgage ALOC
to reduce the 1st mortgage…
Misconception
Mortgage ALOC
the ALOC will end up with a large balance. Like this…..
Misconception
Mortgage ALOC
Misconception
Mortgage ALOC
Misconception
Mortgage ALOC
Misconception
Mortgage ALOC
But that’s not how it works at all!
Misconception
Mortgage ALOC
Equity transfer.
SLAM!
Balance increased.
Mortgage ALOC
Here’s how it works. We use $ from the ALOC. And yes, the balance on the ALOC goes up. And yes we slam down the mortgage! The software prompts an equity transfer!
Mortgage ALOC
But wait what’s happening here?
Mortgage ALOC
But wait what’s happening here?
Mortgage ALOC
But wait what’s happening here?
Mortgage ALOC
But wait what’s happening here?
Mortgage ALOC
But wait what’s happening here?
Mortgage ALOC
Our paychecks drive down the balance!
Mortgage ALOC
Now the ALOC balance is low again, the software prompts another equity transfer.
Mortgage ALOC
Here we go again. We use $ from the ALOC. The balance on the ALOC goes up. And yes, we slam down the mortgage!
SLAM!
Balance increased.
Mortgage ALOC
Paycheck……reduction!
Mortgage ALOC
Paycheck……reduction!
Mortgage ALOC
Paycheck……reduction!
Mortgage ALOC
Paycheck……reduction!
Mortgage ALOC
Paycheck……reduction!
Mortgage ALOC
Here we go again. The software prompts an equity transfer!
Mortgage ALOC
Here we go again. We use $ from the ALOC. And yes, the balance on the ALOC goes up.And yes we slam down the mortgage!SLAM!
Balance increased.
Mortgage ALOC
Paycheck……reduction!
Mortgage ALOC
Paycheck……reduction!
Mortgage ALOC
Paycheck……reduction!
Mortgage ALOC
Paycheck……reduction!
Mortgage ALOC
Paycheck……reduction!
YES! This continues until the debt is gone!
Mortgage ALOC
SLAM!
Mortgage ALOC
SLAM!
Mortgage ALOC
SLAM!
Bye-Bye Mortgage!
Bye-Bye Debt!
1. UFF + Money Merge Account - Helping families become debt free and afford retirement! Yes!
2. Americans spent $42billion more than they earned last year, turning the US savings ratio negative for the first time since the Depression!
3. Social Security? Pensions? Personal Saving?4. 80% of divorces are caused by…5. For 12yrs, these programs have been used
extensively in Australia and UK. 1/3 of all homeowners are saving $100,000-$150,000!
6. Spent Millions developing the software and its algorithms!
7. Mortgage Freedom!
United First Financial
Financial Optometry
MMAConventional
Years to pay off debts 10.4 30
Effective interest rate 2.085% 6.0%Interest paid $70,422
$231,677Invest $3,500 and save $167,219
$0Rather pay off at age 52 70
Now invest the available $1,199.10 per month for the remainder of the 19.6 year
term Plus the $1,000 discretionary income and realize a potential nest egg of:
6% $980,216
8%$1,242,209
10% $1,591,328
Your home is paid off in 10.4 years,plus…
Get your Free
Money Merge Account Software Analysis
Top Related