mma v4 cashflow, paydown presentation
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ALOC – Checking – SavingsPresentation
July 2008
2005 Money Merge Account™ Program2005 - 2006 Denver Test Market
2006 United First FinancialIn 24 months…UFirst grew from
ten Agents to thousands of Agents
1997 Accelerated EquityFounded by Skyler Witman and John Washenko in Draper, Utah
One of Utah’s fastest growing companies for 3 years.In 2002, hired a group of experts to create a program to help homeowners
pay off mortgage debt more effectively with little to no change in lifestyle.
See What the Experts Are Saying
Moving in the Right Direction
Don Jorgensen, Skyler Witman Jonathan E. Bonnette, Matt Lovelady
and John Washenko
• Why does the largest building in every city have a bank’s name on it?
• Banks pay interest to earn interest.
Banks pay interest at <3%
Your checking, savings, cd’sEarn <3%
Banks earn interest at >6%
Your loans, credit cards, mortgages pay >6%
How Do Banks Work?
Our System teaches you to make every dollar you make either earn interest or cancel interest!
Conventional Program
40 years old
30 years to zero
$247,764 in interest
John and Rebecca Jones$238,700 in Debt at age 40
$121,855 Total Interest Saved with the Money Merge Account
Money Merge Account TM
System
40 years old
15.3 years to zero
$125,878 in interest
• Your Debt
• Advance Line of Credit (ALOC)A Home Equity Line of Credit, Personal or Business Line of Credit, or even a credit card will work, as long as it has the correct characteristics required by the Money Merge Account™ program
• Checking and Savings Accounts• Money Merge Account Program
Four Required Components to Pay Off Your Debt in Record Time
• NOT a Bi-Weekly Program
• NOT a Debt Rolldown Program
• NOT a Reverse Mortgage
• NOT a Concept or Theory
Money Merge Account™ Program
Four Key Money Saving Principles
1. Interest Accumulation
2. Interest Float
3. Interest Cancellation
4. Strategic Payoff
John and Rebecca Jones
Liability Structure
Debt Amount Rate Payment Term
Mortgage $200,000 6% $1199.10 360
Credit Card $0 12% $0.00 240
Income Structure
Income Expense Discretionary
$5,000 $4,800 $200
Month 1
Month 1
Month 1
Month 1
Month 1
+$12@3%
-$199
1. Interest Accumulation
Month 2
0%
2. Interest Float
Month 2
$3,789
Month 2
Funds Transfer
3. Interest Cancellation
$195,812 New principal loan balance
6% Interest rate
$1,199 Monthly payment 340 Months (Not 358 – Cancelled 18 months)
$231,677 Original interest paid
-$212,930 New interest paid
$18,746.21 Total Savings
Prepayment Savings Example
Bank Like a Bank
Sounds simple, but it is millions of lines of codes andmultiple math algorithms hard at work.
Ever since banks opened their doors, they have relied on math and timing to make money
work.
Now it’s your turn to bank like a bank.
Computes the optimal time to leverage money to pay off your debts and cancel interest.
How Would you Pay this off?
$10,7007%Installment Loan $4,800
12%Credit Card
$8,0009%Credit Card
$20,0007%Auto Loan
$200,0006%Mortgage
12624120
4. Strategic Payoff Looks at the characteristic’s of each debt including
• Amount owed
• Length of debt
• Interest rate
• Calculation of Payment
• Adjusting Rates
Factorial Math
Fair Isaac* reports the average consumer has 13 active creditors on their credit report.
Over 6 BILLION
* www.myFICO.com
John and Rebecca Jones
Liability Structure
Debt Amount Rate Payment Term
Mortgage $200,000 6% $1199.10 360
Credit Card $8,000 9% $72.00 240
Credit Card $0 12% $0.00 240
Loan $10,700 7% $125.00 120
Auto Loan $20,000 5% $377.00 60
Income Structure
Income Expense Discretionary
$5,000 $4,800 $200
Month 1
Month 1
Month 2
$3,789
Month 2
Strategic Payoff
$4,800$3,989 $4,800
Making the Right Decision
If you choose to override the system, it will immediately tell you what the impact of
your emotional decision will be
Financial GPS
It guides you to:
• Pay off debts
• Save for retirement
• Stay Focused
• Track success
The Money Merge Account™ ProgramIs Your Financial GPS
Conventional Program Money Merge Account TM
System
$121,855 Total Interest Saved with the Money Merge Account
40 Years Old 40 Years Old
30 years to zero 15.3 years to zero
$247,764 in interest $125,878 in interest
John and Rebecca Jones
Achieving Your Financial GoalsBegins with Debt Elimination
Let the UFIRST representative who introduced you to our powerful solution run a free analysis for you
United First Financial, its Agents and subsidiaries provide Internet, Web-based software and support services. United First Financial does not provide accounting, tax, legal, real-estate, mortgage, or investment advice. Interested parties should seek and consult with persons or entities licensed and qualified in those areas for advice relating to those matters. United First Financial is not liable or responsible for claims or representations made by any party which are not included in the Money Merge Account™ Limited Guarantee.
Thank You
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