Have you heard of United 1st Financial?

[RetirementPlanner]

That link is actually a joke. This is a company that (I believe) feels threatened by the Money Merge Account. I feel it is because they do not understand it. Or perhaps they DO... but because they are a mortgage business they think that it will cut into their RE-FI business (if they understood the program they would realize that it is GOOD for their business).

In the past they actually BOUGHT keywords based on United First... so they could re-direct UFF web traffic to their web site and try and capture those customers for themselves.

Regardless... their software is not a serious attempt to mimic the MMA software... which is a real-time, algorithm driven program that accounts for every input, recasts the numbers and looks for the quickest way to ZERO at all times.

A spreadsheet program is a good tool... just not as efficient. This is math... not horseshoes or handgrenades. I am sure that most of us are not going to feel confident that WE, even with a spread sheet, could do as good a job as a software program specifically designed for this task.

[J Crew]

Originally Posted by RetirementPlanner

An Update:

United First Financial just announced a new CEO Sr. VP who is an ex ING executive.

Also... one of the TOP 5 banks in the country is going to be announcing in August that they are endorsing this software program and co-branding an equity line for it. We do not have the Banks name yet.... but watch the news.

What bank made this announcment? Thanks.

[andrewmitch]

I am familiar w/ this product and have research it extentsively.

The conclusion is save your money and try and implement a similar program on your own.

The bottom line is you need to make extra payments and to time your bill payments to your full advantage (ie take advantage of grace periods, defer payments via a credit card, etc)

Also, in your personal life, find ways to save money wherever possible and apply the savings directly against your mortgage. The place to start is w/ utilities and taxes.

Do it on your own and be vigilant.

The nice thing about making extra payments is it is guaranteed money. It is not speculative. In other wrods, for every extra dollar you pay against the principal you will be guaranteed to get that money back plus interest. So in this sense it is better than investing in the stock market.

[kirka]

The United First Financial (UFF) product is helping many families markedly reduce the number of years it takes to pay off their mortgage.

This approach is very different than making one extra payment per year. An extra payment per year, if done with discipline, will reduce the average 30 year mortgage to about 23 years. The UFF Money Merge Account, on the other hand, will reduce the average 30 year mortgage to as little as 8-11 years. The homeowner does not need to refinance their first mortgage nor change their lifestyle.

I am an agent with UFF. We offer a free analysis to a homeowner. This will show how many years and how many dollars can be shaved off your mortgage. The results are guaranteed. I encourage you to get such an analysis and decide for yourself.

Take a look at the information on this website or contact me for any questions.
www.u1stfinancial.net/kirkadlong
krka@bresnan.net, (970) 778-1168

[Grateful Heart]

Allow me to share a Software System 2nd to none!

This is a secure web based software program that shows homeowners how to pay off their mortgage in half the time or less without refinancing and with Little or No impact on a family’s monthly budget or cash flow. It doesn't matter if you have a Fixed, Adjustable, Option ARM, Jumbo Mortgage etc., it can work on ALL of these mortgages.

>Watch the 4 minute Las Vegas NBC/Channel 3 News Report:

www.youtube.com/watch?v=90PgchHluM4

The average customer is on target to pay off their existing 30-year mortgage, possibly saving thousands of dollars in interest in as little ½ to 1/3 the time, with little or no change to their day-to-day spending habits, without increasing their monthly mortgage payment or re-financing their existing mortgage. This is not a bi-weekly or roll down payment program, this is a breakthrough state-of-the-art program that is tried and true.

The program works for primary residence, secondary residence, investment properties and even commercial real estate. Real estate investors are also finding the software tool invaluable in building a portfolio more quickly. Faster equity building in property #1, means that the property can be leveraged to get property #2 even faster. Savvy investors and financial planners are combining the power of the Money Merge Account™ software with their investment know-how to build wealth much faster for themselves, and their clients.

This system works precisely with a dynamic math engine coaching you to become financially free and United First Financial offers a money back guarantee when the program is followed as directed!


Yes, I am an Independent Agent with U1st because I believe in it!

[KarenM]

More likely, you're an agent because you get a percentage of whatever people pay to buy into this "system"

Why should I pay someone else to manage my money when I can do it myself and apply the savings (that I don't pay you) to reducing my debt?

[BradPeterson]

Originally Posted by kirka

The United First Financial (UFF) product is helping many families markedly reduce the number of years it takes to pay off their mortgage.

This approach is very different than making one extra payment per year. An extra payment per year, if done with discipline, will reduce the average 30 year mortgage to about 23 years. The UFF Money Merge Account, on the other hand, will reduce the average 30 year mortgage to as little as 8-11 years. The homeowner does not need to refinance their first mortgage nor change their lifestyle.

I am an agent with UFF. We offer a free analysis to a homeowner. This will show how many years and how many dollars can be shaved off your mortgage. The results are guaranteed. I encourage you to get such an analysis and decide for yourself.

Take a look at the information on this website or contact me for any questions.
www.u1stfinancial.net/kirkadlong
krka@bresnan.net, (970) 778-1168

But, if you take your extra money, and apply it to your mortgage, and avoid the UFF smoke and mirrors, you pay off your loan many months faster.

In other words, UFF is a marketing ploy to give UFF salesman commission money. Most of these salesmen have no financial training whatsoever, and instead just paid $175 to become an "agent". They then repeat UFF's sleazy sales tactics (most of which are outright lies), and hope to sell some unsuspecting victim a smoke and mirrors product for $3500, so the agent can make $2500 in commission.

Fact is, all UFF really does (when you boil the numbers down to their core), is it takes your extra money, and applies it to the mortgage. Yes, UFF is a product that can work. But, you can easily do this yourself without UFF's help for free. Just take your extra money, and put it towards your mortgage. You save $3500 this way, and you pay your mortgage off months faster.

[Logan]

Originally Posted by BradPeterson

But, if you take your extra money, and apply it to your mortgage, and avoid the UFF smoke and mirrors, you pay off your loan many months faster.

In other words, UFF is a marketing ploy to give UFF salesman commission money. Most of these salesmen have no financial training whatsoever, and instead just paid $175 to become an "agent". They then repeat UFF's sleazy sales tactics (most of which are outright lies), and hope to sell some unsuspecting victim a smoke and mirrors product for $3500, so the agent can make $2500 in commission.

Fact is, all UFF really does (when you boil the numbers down to their core), is it takes your extra money, and applies it to the mortgage. Yes, UFF is a product that can work. But, you can easily do this yourself without UFF's help for free. Just take your extra money, and put it towards your mortgage. You save $3500 this way, and you pay your mortgage off months faster.

That is a big "IF". "IF" all mortgage holders had that kind of discipline, there wouldn't be mortgage companies. No, I disagree with your positively overconfident opinion of the ravenously material consumptive average American citizen. Very few possess the debt-free ambition required to "do it" themselves. I submit for your consideration, that the "UNITED STATES" has been a debt based power structure since 1913. "IF" even half of the people could discipline themselves in self governance, the U.S. wouldn't be indebted to the private Federal Reserve for 9 trillion FRN's.

The Money Merge Account is an ingenious program for the average publicly educated consumer to eliminate the Banks ability to make a 100% profit on their home.

Answer the challenge, get the FREE analysis, get the software and be free of the Banks control, or exhaust yourself doing it yourself. Its your choice. Just do it!

[KarenM]

What if I took the $3,500 I was going to pay you and applied it to my mortgage, and then went back to my normal spendthrift ways?

Wouldn't I still be better off?

[BradPeterson]

Originally Posted by Logan

That is a big "IF". "IF" all mortgage holders had that kind of discipline, there wouldn't be mortgage companies.

So, we need to pay for $3500 software to force us to spend our money. And not just for any product, a slower and riskier product!?

Listen, if you have $3500 to spend, you can buy a lot of financial counseling. Or for less than $100, you can buy a really nice copy of Quicken. Or if you *really* want to do the inefficient HELOC switch-er-roo with Quicken, I bet the financial planner would easily be able to set it up for you for much cheaper (but of course, they'll help you maker smarter and more efficient decisions than using UFF or an MMA). Remember, financial planners have a strong financial background. They know what they're talking about. Unlike UFF agents who merely paid $175 to get that title.

But if you insist on paying massively overinflated prices for a product, then please buy my product. It's a solar powered clothes drying system. Yes, it's solar powered. It's revolutionary. It's the way of the future. It reduces your energy consumption. And it's only $5000. And once you send me the money, I'll send you ropes and clothespins.

The Money Merge Account is an ingenious program for the average publicly educated consumer to eliminate the Banks ability to make a 100% profit on their home.

It's an ingenious smoke and mirrors scam.

It shuffles the money around, lies to people that this shuffling process saves money, when in reality, it just takes your discretionary income, and puts it towards the mortgage. Or in other words, you're paying a salesman $3500 for a piece of software that tells you to put every last extra cent you have towards your home. Yes, it can work...but as I've mentioned, the higher rate HELOC slows the process down by months. But by not using an MMA, it's thousands of dollars cheaper and months faster

Answer the challenge, get the FREE analysis, get the software and be free of the Banks control, or exhaust yourself doing it yourself. Its your choice. Just do it!

Oh I have. From more UFF salesmen than I can count. Sadly, most UFF agents give me figures that wildly disagree. One says a payoff of 219 months, another says 147 months. When I say "What if I have no discretionary income?" One UFF agent swoops in and says "10 years early, guaranteed!" And another UFF agent says "No, it can't work without discretionary income".

Ultimately, when UFF agents clean up their act and get their numbers right...and you compare the same numbers with amortization calculators, UFF comes out to be many months slower.