Here\'s A Great Example of Using Algorythmic Cashflow to Manage Property Equity and Wealth

1. Primary Analysis 8 December 2009
ABC Rentals Prepared by: Kent Larsen
123 Main St, Anytown, Iowa 319-610-5904
3656152985 iamtroutscout@yahoo.com
You are pre-qualified for the Money Merge Account program. Below is a summary of your projected savings.
Projected Interest Savings Projected Payoff Payoff Date Time Savings
$120,987.10 9.1 Years January 2019 17.6 Years
This report illustrates the results that could be achieved by establishing a Money Merge Account® program. The accuracy of this report is
consistent with the information you have provided.
Current Liabilities
Existing Debts (to be paid off with
Balance Payments
MMA)
US Bank $30,991.50 $338.06
US Bank $5,062.24 $338.00
US Bank $35,937.00 $375.00
US Bank $29,193.53 $342.74
US Bank $76,145.22 $893.00
US Bank $123,740.00 $2,000.00
Bank iowa $110,317.00 $949.07
Select Port Serv $52,704.84 $454.06
Merchants $32,000.00 $283.17
Total Liabilities $496,091.33 $5,973.10
Current Net Income
Employer/Source Interval Amount
1101 Terrace Monthly $500.00
302 8th Monthly $338.00
501 9th St North Monthly $550.00
500 Monthly $500.00
1303 19th St N Monthly $1,200.00
102 Circle Dr Monthly $550.00
12 N 3rd St Monthly $850.00
609 4th Ave S Monthly $500.00
911 8th Ave n Monthly $460.00
411 4th St N Monthly $450.00
112 11th St N Monthly $500.00
Total Income $6,398.00
Income Analysis
Total Net Monthly Income: $6,398.00
Total Monthly Fixed Expenses: $5,973.10
Current Monthly Discretionary: $400.00
Monthly Living Expenses: $24.90
United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 1 of 6
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2. Primary Analysis 8 December 2009
ABC Rentals Prepared by: Kent Larsen
123 Main St, Anytown, Iowa 319-610-5904
3656152985 iamtroutscout@yahoo.com
I agree that the figures presented herein are true and accurate to the best of my knowledge and any changes or inaccuracies on my part will
alter the performance of my Money Merge Account program.
X X
______________________ ______________________ ______________________
Applicant Co-applicant Date
United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 2 of 6
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3. Amortization Comparison 8 December 2009
ABC Rentals Prepared by: Kent Larsen
123 Main St, Anytown, Iowa 319-610-5904
3656152985 iamtroutscout@yahoo.com
Current Debt Schedule Money Merge Account
Debt Amount: $496,091.33 Debt Amount: $499,591.33
Remaining Term: 320 Projected Payoff: 109
Principal Payments: $496,091.33 Principal Payments: $499,591.33
Interest Payments: $319,923.24 Interest Payments: $198,936.14
Total Payments: $816,014.57 Total Payments: $698,527.47
Principal Interest Total Principal Interest Total
Year Year
Paid Paid Paid Paid Paid Paid
1 $31,252.81 $40,424.39 $71,677.20 1 $49,647.72 $37,243.64 $86,891.36
2 $62,446.36 $78,118.36 $140,564.72 2 $89,892.24 $73,176.92 $163,069.16
3 $95,138.53 $113,047.39 $208,185.92 3 $134,025.50 $105,221.46 $239,246.96
4 $130,841.54 $144,965.58 $275,807.12 4 $182,517.35 $132,907.41 $315,424.76
5 $169,846.00 $173,582.32 $343,428.32 5 $235,843.45 $155,759.11 $391,602.56
6 $212,471.83 $198,577.69 $411,049.52 6 $294,123.81 $173,656.55 $467,780.36
7 $259,071.51 $219,599.21 $478,670.72 7 $357,078.43 $186,879.73 $543,958.16
8 $302,314.33 $236,360.76 $538,675.09 8 $424,803.13 $195,332.83 $620,135.96
9 $332,849.76 $250,376.05 $583,225.81 9 $497,462.23 $198,851.53 $696,313.76
10 $365,685.39 $262,090.24 $627,775.63 10 $499,591.33 $198,936.14 $698,527.47
11 $385,844.94 $271,820.64 $657,665.58
12 $404,187.26 $280,242.28 $684,429.54
13 $433,063.51 $286,878.95 $719,942.46
14 $455,822.72 $291,400.35 $747,223.07
15 $457,962.51 $295,115.48 $753,077.99
16 $459,870.65 $298,656.06 $758,526.71
17 $461,968.17 $302,007.26 $763,975.43
18 $464,273.86 $305,150.29 $769,424.15
19 $466,808.40 $308,064.47 $774,872.87
20 $469,594.48 $310,727.11 $780,321.59
21 $472,657.08 $313,113.23 $785,770.31
22 $476,023.63 $315,195.40 $791,219.03
23 $479,724.29 $316,943.46 $796,667.75
24 $483,792.26 $318,324.21 $802,116.47
25 $488,263.94 $319,301.25 $807,565.19
26 $493,179.42 $319,834.49 $813,013.91
27 $496,091.33 $319,923.24 $816,014.57
Saving Summary
Payoff Months Paid Months Saved Years Paid Years Saved Interest Paid Interest Saved
January 2019 109 211 9.1 17.6 $198,936.14 $120,987.10
United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 3 of 6
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4. Potential Cash Accumulation & Goals 8 December 2009
ABC Rentals Prepared by: Kent Larsen
123 Main St, Anytown, Iowa 319-610-5904
3656152985 iamtroutscout@yahoo.com
Potential Cash Accumulation
Scenario 1 Scenario 2 Scenario 3
Starting Principal: $0.00 Starting Principal: $0.00 Starting Principal: $0.00
Sample Return Rate: 2.00 % Sample Return Rate: 4.00 % Sample Return Rate: 6.00 %
Number Of Months: 211 Number Of Months: 211 Number Of Months: 211
Monthly Contribution: $6,373.10 Monthly Contribution: $6,373.10 Monthly Contribution: $6,373.10
211-Month Balance: $1,609,916.17 211-Month Balance: $1,946,563.85 211-Month Balance: $2,376,446.64
These figures illustrate the potential cash accumulation you may experience by paying your mortgage off in 9.1 years using your Money
Merge Account. Then refocusing your discretionary income and fixed expenses for the time saved from your current schedule. The graph
refers to Potential Cash Accumulation scenario 1.
United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 4 of 6
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5. Monthly Expenses 8 December 2009
ABC Rentals Prepared by: Kent Larsen
123 Main St, Anytown, Iowa 319-610-5904
3656152985 iamtroutscout@yahoo.com
Expense Worksheet
Complete the worksheet to verify monthly living expenses. Indicate if the expense is paid by a credit card (CC).
Expenses Amount CC Expenses Amount CC Expenses Amount CC
Investments Groceries Private School Fees
Prescriptions Cell Phone 401K
Entertainment Water Consumer Credit
Student Loans Power Repair Funds
Medical Copays Gas Charitable Contributions
Life Insurance Gasoline Family Expenses
Child Support Cable Secondary Properties
Sewer/Trash Holiday Fund Home Owners
Car Insurance Vacations Taxes/Insurance
Dental Insurance Household Items Public School Fees
Home Phone Alimony
Maid Service Other
Total: Total: Total:
Total {Columns 1-3}: Should Equal (Monthly Living Expenses)
If the itemized expenses listed above do not equal the total monthly expenses on page 1, please update your Analysis. Having an accurate
monthly expense figure is essential to properly creating your Money Merge Account payoff and savings information.
United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 5 of 6
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6. Payment Options & Strategic Accounts 8 December 2009
ABC Rentals Prepared by: Kent Larsen
123 Main St, Anytown, Iowa 319-610-5904
3656152985 iamtroutscout@yahoo.com
Required Accounts Current Info
Account Lender Name Balance % of Exp. Paid Cash Back Rate
HELOC US Bank $123,740.00 100 % 0% 11.000 %
Checking US Bank $1,529.75 0% 0% 0.000 %
Checking US Bank $139.00 0% 0% 0.000 %
Checking US Bank $514.45 0% 0% 0.000 %
Checking 1001 Terrace $366.62 0% 0% 0.000 %
Checking US Bank $120.99 0% 0% 0.000 %
Checking US BAnk $1,758.00 0% 0% 0.000 %
Checking US Bank $1,649.00 0% 0% 0.000 %
Checking US Bank $397.00 0% 0% 0.000 %
Checking Bank Iowa $103.81 0% 0% 0.000 %
Checking US Bank $919.77 0% 0% 0.000 %
Checking Merchants $2,598.17 0% 0% 0.000 %
Checking US Bank $617.00 0% 0% 0.000 %
*ALL Required Accounts are applied to the acceleration, payoff and wealth accumulation information; these accounts are required for the
accuracy of the information in this report.
Proposed Liability Structure
Liability Balance Escrow Payment Monthly Savings:
Merged Accounts $0.00 $0.00 $0.00 $0.00
All Other Accounts $499,591.33 $0.00 $5,725.83
Money Merge Purchase Options
0 - month Finance One payment
Purchase Price: Purchase Price: $3,500.00
Monthly Financed(0 months): Total Cost: $3,500.00
Total Cost:
Include Multiple Properties($24.95 per month) The figures portrayed in this report were calculated using the selected payment options.
* The above information is for comparison purposes only. Results will vary depending on each individual's spending habits and future
financial circumstances. Individual qualification is required for the Money Merge Account. The Information contained herein does not
constitute an offer or a solicitation to lend or extend credit. United First Financial does not provide accounting, tax, legal, real estate,
mortgage, or investment advice as a part of the Money Merge Account Program. This is a preliminary analysis only. The line items of this
report were executed on the 1st of the month in the following sequence: income, mortgage, escrow and expenses.
By signing this financial analysis report, you are confirming the accuracy of the information listed above. The performance of your Money
Merge Account program can be increased or decreased based on your mortgage interest rate, income, assets, and/or liabilities. You, the
buyer, may cancel this transaction, without penalty or obligation, at any time prior to midnight of the third business day after the date of this
transaction. (Five days for Alaska.)
X X
______________________ ______________________ ______________________
Applicant Co-applicant Date
United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 6 of 6
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