Lynn Spivey
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Make Your Money Matter - Money Merge Account Software
The New American Dream
Living Debt Free!
Have you read the recent headlines? Unfortunately, there's a lot of bad news for American homeowners:
- The US savings rate is negative for the first time since the Great Depression.
- Residential home foreclosure rates for American homeowners is at the highest level in over 16 years.
- 85% of homeowners, 65 or older, have 20 or more years left to pay on their home mortgage loans.
What this means is more American homeowners have been conditioned to carry heavy debt loads while living on "borrowed time". As a nation, we keep suffocating under a mountain of debt - digging ourselves in deeper with each passing day.
How did we get in this financial mess? Unfortunately, most of us weren't instructed how money really works or taught that debt is not the American Dream.
Critical Money Facts Never Taught in School
- Mortgage interest and finance charges on your home, cars, and credit cards can ruin your financial future. The cards are not stacked in your favor when it comes to borrowing money while mortgage interest rates and credit card finance charges add up to overwhelming debt.
- Every dime you put in the bank is being leveraged by the bank. Your money isn't just sitting there doing nothing - it's being used to earn interest. If you don't have your financial savings working for you, then it's earning interest for the bank.
- It is possible to live debt free - you don't have to be in debt! You have options and it doesn't take a PhD in finance to understand how to make your money work for you to reduce debt. It's easier to take control of your financial future than you may think.
Everyday American consumers are bombarded with commercial messages communicating that it is okay to buy now and pay later - in fact it's promoted to be the American way! American consumers are conditioned to believe that they can afford countless monthly payments. The monthly payments become debts disguised as adjustable monthly mortgage interest, easy monthly car payments and "interest free for a year" big screen TVs. It becomes so easy to spend money dangerously trading one debt for another without a chance of getting off the debt merry-go-round. Most people become used to paying a heavy price for indebtedness - living under the burden of debt takes its toll on each person, their families, local communities and the entire nation. With debt comes a limit to freedom - debt creates stress, trapping people in jobs they don't like and allowing the vulnerabilities to life's ups and downs to take root.
Critical Money Facts We Can Teach You
We have financial options that can help you take control of your financial future and help you to start living debt free. You can reach the goals of becoming debt free without being forced to be on a "financial diet" for the rest of your life. Thousands of people across America have implemented the Money Merge Account™ software program into their lives and now experience tremendous financial benefits - with little to no change to their day to day spending habits.
Introducing the Money Merge Account™ from United First Financial
With this dynamic and easy to use Money Merge computer software program you can:
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Payoff current home mortgage loans in a fraction of the time which can potentially save you tens of thousands of dollars in interest charges.
On a typical 30 year loan it takes 21 years to pay off just 1/2 the mortgage loan balance? Think about how much of your money is being wasted by paying mortgage interest fees each month. -
Reduce the effective interest rate on your existing home mortgage without refinancing.
The Money Merge Account™ works with all different kinds of home mortgage loans - 30 year, 15 year, Interest Only, ARM's... Why pay all the extra fees to refinance your home when it may be possible to stay with your current mortgage loan and dramatically lower your effective interest rate? -
Maximize your money's performance so it's working for you 24/7.
You should be in charge of your financial future. With the Money Merge Account™ Software you can sit in the driver's seat while we help you navigate with a precise roadmap to the destination of becoming debt free. Do you want to retire early? Own investment properties? Start a college fund for your kids? Live your life debt free? It's your decision and your money, so let us show you how to merge your money to obtain these goals!
The Money Merge Account™ isn't a bi-weekly payment program or a debt roll down service. The Money Merge Account™ isn't for everybody and not everyone can qualify for this powerful software program.
To learn about the specifics of the Money Merge Account™ Software program go to How It Works.