freemortgage

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.

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

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

Savings

$3,000

Checking

$5,000

$197,000

sChecking

$5,000

$3,000$3,000

$192,000$3,000$3,000

$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)

Equity Line

$40,000

Equity Line

$200,000 $195,0

00$195,000

$40,000

$5,000

$5,000 Income

Transfer Funds

A Better Way…

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

• 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

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

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

$ 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

Example of Applying More Money to Principal

$1,199 First monthly payment$5,000 Additional principal$6,199 Total first payment

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

100000

150000

200000

250000

Interestto Paid

InterestSaved

Months Saved

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

Open a Home Equity Line of

Credit (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

$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

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

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

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

$7,096$5,000 Income$2,096 Monthly

balance

Month 8

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

$11,155$40,678 Total

$15.79$15.79 Principle JumpedPrinciple Jumped

Funds Transfer

$4,003.68 Start Balance

$8,003.68$5,000 Income$3,o03.68 Monthly

Balance

Month 10

$7,003.68$5,000 Income$2,03.68 Monthly

Balance

Month 11

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

$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

$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.

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

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!

Balance increased.

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

YES! This continues until the debt is gone!

Mortgage ALOC

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

freemortgage

stmortgage equity line

ended loan

payment component

open ended equity line

new principal loan balance

checking account

mortgage savings

time payment

Economy & Finance