100 orientation by mac saunders
TRANSCRIPT
Money Merge Account® Program
Orientation
We can't solve problems by using the same kind of
thinking we usedwhen we created them.
Albert Einstein
“Insanity”Doing the same
thing over and over again and expecting
a different result.
Common Sense Thinking!
Source: www.quotationspage.com, www.thinkexist.com
Good News…It’s Not Too Late to Track a New Course
2006 United First FinancialIn 24 months…UFirst™ grew from
ten Agents to tens of thousands of Agents
2005 Money Merge Account® Program2005 - 2006 Denver Test Market
1997 Accelerated EquityOne of Utah’s fastest growing companies in 3 years
Who Is United First Financial®?
They sought this cure
because thehome wasan ATM indisguise
Moving in the Right Direction
Skyler Witman
John Washenko
Jonathan E. Bonnette
Matt Lovelady
Ernst & Young Entrepreneur Of The Year® 2008
See What the Experts Are Saying
Conventional Banking vs. Money Merge Account® Program
Conventional Banking• Refinance to lower interest rate• Apply more money to principal• Debt Consolidation
Money Merge Account Program• With little to no alteration to
current standard of living • No refinancing of existing
mortgage necessary• No Consolidation Necessary
Four Strategies of the Money Merge Account® Program
1. Interest Cancellation
2. Strategic Payoff
3. Time Value of Money
4. Money Merge Account Software, Coaching and Education system
Strategy #1: Interest Cancellation
$200,000 Principal loan amount
6% Interest rate
$1,199 Monthly payment
x 360 Months (30-year loan)
$431,677 Total repayment
-$200,000 Principal loan amount
$231,677 Total interest paid
Sample Loan: John and Rebecca Jones
Year 21
Year 10
Year 5
Year 1
Month 2
Month 1
PaidEquityBalanceInterestPrincipal
$199.10 $1,000
$200.10 $999.00
$210.33 $988.77 $197,543 $2,457 $14,389
$267.22 $931.88 $186,108 $13,891 $71,946
$360.44 $838.66 $167,371 $32,628 $143,891
$696.23 $502.89 $100,573 $99,436 $300,947
$200,000 Principal balance
6% Interest rate$1,199 Monthly
payment
Strategy #1 > Interest Cancellation
Traditional Prepayment Example
$1,199 First monthly payment
$5,000 Additional principal
$6,199 Total first payment
Strategy #1 > Interest Cancellation
Interest Cancellation $195,000 New principal loan
balance
6% Interest rate
$1,199 Monthly payment
337 New months
$231,677 Original interest paid
$203,373 New interest paid
$ 28,304
-$ 5,000 Additional principal payment
$ 23,304 Interest Cancellation
Strategy #1 > Interest Cancellation
Bank Smarter
thetheBANKBANK
thetheBANKBANK
If you pay your Visa bill in full at the endof the month…you don’t pay interest
You just used the lender’s moneyinterest free for 25-30 days
(Depending on the credit card provider)
Strategy #1 > Interest Cancellation
You canceled interest
Strategy #2: Strategic Payoff
1. Interest Cancellation
2. Strategic Payoff
How Would You Pay This Off?
$21,5387%
Line of Credit Balance $4,309
6.125%Furniture
$27,7536%
Trailer Loan
$42,2966.75%Auto Loan
$226,1836.5%Mortgage
$7,7536.125%
ATV Loan
thetheBANKBANK
Strategy #2 > Strategic Payoff
How Many Possible Combinations?
Strategy #2 > Strategic Payoff
With Just Six Debts
Over 700 Payoff Scenarios
Factorial Math
Strategy #2 > Strategic Payoff
What Is the Software Telling Us?How much money to move….
(The exact dollar amount)
When to move it……
(The exact date)
From what account to what account….
(The most efficient accounts)
To help us find the quickest mathematical solution to
ZERO DEBTStrategy #2 > Strategic Payoff
What Is the Software Doing?
• Tracking Account Balances
• Tracking Spending Cycles
• Recognizing Accounts• With Balances to Eliminate• With Available Funds to Accelerate Debt
Payoff
• Keeping Us on Course to Achieve Our Financial Goals
Strategy #2 > Strategic Payoff
What Is the Software Doing?• Selecting Precise Intervals
• Selecting Precise Dollar Amounts• To move money from one account to another
account….
• Maximizing• Cash Flow• Interest Cancellation• Interest Return
Strategy #2 > Strategic Payoff
What Is the Software Doing?
Creating auto-generated
FUNDS TRANSFERS
Strategy #2 > Strategic Payoff
The Money Merge Account program works with various banking instruments
Minimum requirements for the Money Merge Account program:
Money Merge Account® Program
Deposit Accounts
• Checking Account
• Savings Account
Facilitating Accounts
• Checking Account
• Savings Account
• Personal Line of Credit
• Home Equity Line of Credit
• Commercial Line of Credit
• Secured Line of Credit
• Unsecured Line of Credit
Facilitating Account
Deposit Account
Strategic Debt Payoff
DebtsDebts
Organization of Funds Transfer
PAYPAYFT
Strategic Allocation
Income
Income
Strategic Allocation
Strategy #2 > Strategic Payoff
Strategy #3: Time Value of Money
1. Interest Cancellation
2. Strategic Payoff
3. Time Value of Money
(Bank Smart)
• Banks understand and use the concept
“No Stagnant Money”
• Smart Investors do what the banks do• They move the right amount of money, at the
right time, from one account to the other another account and let it sit for the right length of time….
Strategy #3 > Bank Smart
Bank Smart
Bank Smart
Banks practice Sweep Account strategies• At the close of business daily, banks sweep
the checking and savings accounts of all their clients
• The banks invest your money, earning interest while you sleep
• They know money works 24 hours day, 7 days a week, 365 days a year
Strategy #3 > Bank Smart
Time Value of Money
Question:
Would you rather have $1,000,000.00 today, or a penny doubled over 30 days?
Answer:
After 30 days, you would have $10,737,418.24 from doubling the penny
Strategy #3 > Bank Smart
Strategy #4: Money Merge Account® Software
1. Interest Cancellation
2. Strategic Payoff
3. Time Value of Money
4. Money Merge Account Software, Coaching and Education system
• Financial dashboard• Expense planner• Online account register• Maximizes money performance• 10 minutes per month to update
Component #4: Money Merge Account® Software
• Simple to update• Provides tracking tool• Functions as an account register
• How much money is coming in• How much money is going out
• Tracks your monthly budget
• Includes continuous customer support, coaching and education
Strategy #4 > Money Merge Account Software
Years Remaining at Activation: 28Original Balance at Activation: $136,058.76
Comparison
Loan amount: $136,058
Balance in 1 year:
$136,058Starting balance
Conventional ProgramMoney Merge
Account® Program
11.917 years
$45,159
30 years
$134,726
$136,058
Repayment time
Total interest paid
Total interest savings: $89,566
$126,032Balance in 4.7 years:
$126,193
Strategy #4 > Money Merge Account Software
Going Nowhere Fast
We have been conditioned to believe that we can have it now…
and pay for it later
United States Public Debt
$11,400,656,567,952.60June 23, 2009
Source: http://www.treasurydirect.gov/NP/BPDLogin?application=np
As of April 20, 2009 we have changed our customers’ lives, with:
Over $355,000,000.00 in Principal Paid Down
All you have to gain is Financial Freedom
Results as of April 20, 2009
Achieving Your Financial Goals Begins with Debt Elimination
Let the 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.