100 orientation by mac saunders

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.