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National Statistic
 
 
Money Merge Account - Equity Builder Strategy for Building Net Worth
RULE OF 72 Difference between  3% and 6% = 3%.   Difference between  $4,000 and $16,000 =  400%
<ul><li>Albert Einstein said: </li></ul><ul><li>“ Compound Interest is the Eighth Wonder of the World . ” </li></ul><ul><l...
<ul><li>Assets – Debts = Net Worth </li></ul><ul><ul><ul><li>$250,000 Assets </li></ul></ul></ul><ul><ul><ul><li>$250,00 D...
Canceling out 6% of interest is the same as making 6% $ 200,000 6% INTEREST $ 200,000 6 % INTEREST $ 1,199 A Month $ 190,0...
Not a New Concept – Australia and England Australians pay $100,000 - $150,000  less in interest on their mortgages  than d...
$200,000 Mortgage Savings $3,000 Checking $5,000
$197,000 Mortgage Savings Checking $5,000 $3,000
$192,000 $3,000 Mortgage Savings Checking $5,000
<ul><li>Europe, Canada, and Australia  have been doing this for years. </li></ul><ul><li>1/3  of mortgages in Europe  and ...
<ul><li>You don’t have to: </li></ul><ul><li>Refinance to lower interest rate </li></ul><ul><li>Change your current budget...
 
Closed Ended Loan (1 st  Mortgage) Equity Line Closed Ended Loan (1 st  Mortgage) $ 40,000 Equity Line Closed Ended Loan (...
Income Average daily balance works in your favor; when you combine income and expenses and use your Open Ended Equity Line...
A Paradigm Shift
 
History <ul><li>History </li></ul><ul><li>Parent Company is Accelerated Equity & Development In Draper, Utah </li></ul><ul...
Monthly Payment And “Float” Payments are due on the 1 st , late on the 16 th  , and  applied  on the 30 th   Bi-Weekly pro...
Escrow Money Mortgage Payment Rental Income Float Stagnant money Daily balance in Checking, Savings accounts, CD’s Income ...
<ul><li>Three Components of an MMA </li></ul><ul><ul><li>Your 1 st  Mortgage </li></ul></ul><ul><ul><li>Home Equity Line o...
<ul><li>Component #1 </li></ul><ul><ul><li>Your 1 st  Mortgage </li></ul></ul><ul><ul><li>Closed-End Loan: </li></ul></ul>...
<ul><li>Close-Ended Loan Structure </li></ul>$200,000 Mortgage  At 6% Fixed Rate Costs  115-120%  Of Amount Borrowed Inter...
<ul><li>Amortized Loan:   $200,000  @  6%  =  $1,199 </li></ul><ul><li>Total </li></ul><ul><li>Years   Principal   Interes...
<ul><li>Example of Applying More Money to Principal </li></ul><ul><li>$1,199 First monthly payment </li></ul><ul><li>$5,00...
<ul><li>Example of Applying More Money to Principal (Cont’d) </li></ul><ul><li>$195,000 New principal loan balance </li></...
One time payment $5,000 $23,405
<ul><li>Component #2 </li></ul><ul><ul><li>Your 1 st  Mortgage </li></ul></ul><ul><ul><li>Home Equity Line of Credit  (HEL...
$200,000 $60,000 Mortgage Open a Home Equity Line of Credit (HELOC) = HELOC HELOC Closed End loan Open End loan
<ul><li>We need an account that will work as much like a Checking Account as possible, but still cancel interest. </li></u...
<ul><li>Open-End Loan </li></ul><ul><ul><li>Becomes an Interest Cancellation Account! </li></ul></ul><ul><ul><li>Control y...
<ul><li>Front-Loaded Interest </li></ul><ul><li>Assume you have a 30 yr. Mortgage and you Move or Refinance: </li></ul><ul...
<ul><li>Component #3 </li></ul><ul><ul><li>Your 1 st  mortgage  </li></ul></ul><ul><ul><li>Open-End ALOC  </li></ul></ul><...
<ul><li>MONEY MERGE ACCOUNT SOFTWARE </li></ul><ul><li>Web site based – Takes No Personal Information </li></ul><ul><li>Do...
<ul><li>Money Merge Account Specs:   </li></ul><ul><li>Software  prompts   when to make payments .  </li></ul><ul><li>It u...
<ul><li>The  HELOC  is the  “Vehicle”  which allows you to be the Bank… allows you to Float the banks money to cancel inte...
$20.83  Interest  $12.50  Interest  Jones Family $200,000 Loan @ 6%  =  $1,199.10 $15,000  Equity Line @ 10% $5,000  Month...
Funds Transfer $34.80   3 Month Total $68.13 Principle Jumped $19.38 $1,500  Starting Balance $4,000   Expenses $5,500  $5...
$26.46  Interest  $18.13  Interest  $4,175.77  Start Balance $4,000   Living Expenses $8,175.77 $5,000   Income $3,175.77 ...
$34.13   6 Month Total $146.85 $15.72 Principle Jumped Funds Transfer Principle Interest Balance Pmt. Left Month 4 $220.48...
$25.80  Interest  $17.47  Interest  $4,096  Start Balance $4,000   Living Expenses $8,096 $5,000   Income $3,o96  Monthly ...
$33.63   9 Month Total $233.48 $15.79 Principle Jumped Funds Transfer Principle Interest Balance Pmt. Left Month 7 $238.41...
$25.03  Interest  $16.70  Interest  $4,003.68  Start Balance $4,000   Living Expenses $8,003.68 $5,000   Income $3,o03.68 ...
$32.68   12 Month Total $297.89 $15.79 Principle Jumped Funds Transfer Principle Interest Balance Pmt. Left Month 10 $256....
7.5% Increase In Net Worth  Total Interest Savings of $167,219.00 MMA Program Conventional Program Starting Balance $200,0...
<ul><li>MMA‘s  Algorithm Optimizes Everything </li></ul><ul><li>How much and when… </li></ul><ul><ul><li>- If you transfer...
 
 
 
Newly Married
 
(DO NOT REPRODUCE)
 
Mortgage ALOC Many people think… When you use $$$  from the ALOC… Misconception
Mortgage ALOC to reduce the 1st mortgage… Misconception
Mortgage ALOC the ALOC will end up with  a large balance. Like this….. Misconception
Mortgage ALOC Misconception
Mortgage ALOC Misconception
Mortgage ALOC Misconception
Mortgage ALOC But that’s not how it works at all! Misconception
Mortgage ALOC Equity transfer. SLAM! Balance increased.
Mortgage ALOC Here’s how it works.   We use $ from the ALOC. And yes, the balance on the ALOC goes up.  And yes we slam do...
Mortgage ALOC But wait what’s happening here?
Mortgage ALOC But wait what’s happening here?
Mortgage ALOC But wait what’s happening here?
Mortgage ALOC But wait what’s happening here?
Mortgage ALOC But wait what’s happening here?
Mortgage ALOC Our paychecks drive down the balance!
Mortgage ALOC Now the ALOC balance is low again, the software prompts another  equity transfer .
Mortgage ALOC Here we go again.  We use $ from the ALOC. The balance on the ALOC goes up.  And yes, we slam down the mortg...
Mortgage ALOC Paycheck……reduction!
Mortgage ALOC Paycheck……reduction!
Mortgage ALOC Paycheck……reduction!
Mortgage ALOC Paycheck……reduction!
Mortgage ALOC Paycheck……reduction!
Mortgage ALOC Here we go again.  The software prompts  an  equity transfer !
Mortgage ALOC Here we go again.  We use $ from the ALOC.  And yes, the balance on the ALOC goes up. And yes we slam down t...
Mortgage ALOC Paycheck……reduction!
Mortgage ALOC Paycheck……reduction!
Mortgage ALOC Paycheck……reduction!
Mortgage ALOC Paycheck……reduction!
Mortgage ALOC Paycheck……reduction! YES! This continues until the debt is gone!
Mortgage ALOC SLAM!
Mortgage ALOC SLAM!
Mortgage ALOC SLAM!
Bye-Bye Mortgage! Bye-Bye Debt!
<ul><li>UFF +   Money Merge Account  - Helping families become debt free and afford retirement! Yes!  </li></ul><ul><li>Am...
Financial Optometry <ul><li>  MMA Conventional </li></ul><ul><li>Years to pay off debts  10.4  30 </li></ul><ul><li>Effect...
<ul><ul><li>Now invest the available $1,199.10 per month for the remainder of the 19.6 year term Plus the $1,000 discretio...
<ul><li>Get your  Free </li></ul><ul><li>Money Merge Account Software Analysis </li></ul>
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freemortgage

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Learn How to Pay Off your Mortgage in 10 years. See presentation and call 954 600 0550 or email – marcio_maia@hotmail.com

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freemortgage

  1. 2. National Statistic
  2. 5. Money Merge Account - Equity Builder Strategy for Building Net Worth
  3. 6. RULE OF 72 Difference between 3% and 6% = 3%. Difference between $4,000 and $16,000 = 400%
  4. 7. <ul><li>Albert Einstein said: </li></ul><ul><li>“ Compound Interest is the Eighth Wonder of the World . ” </li></ul><ul><li>“ Those that Understand it, earn it. </li></ul><ul><li>Those that don’t pay it. &quot; </li></ul>
  5. 8. <ul><li>Assets – Debts = Net Worth </li></ul><ul><ul><ul><li>$250,000 Assets </li></ul></ul></ul><ul><ul><ul><li>$250,00 Debts </li></ul></ul></ul><ul><li>Increase net worth by increasing asset value or canceling debts </li></ul><ul><li>For many, mortgage costs are their single largest debt </li></ul><ul><ul><li>Yet many people have no meaningful and consistent way to reduce the costs of their mortgage. </li></ul></ul>Net Worth Net Worth Cancelling Debts Increasing Asset Value How To Build Net Worth From Equity
  6. 9. Canceling out 6% of interest is the same as making 6% $ 200,000 6% INTEREST $ 200,000 6 % INTEREST $ 1,199 A Month $ 190,000 Loan 6 % INTEREST $ 1,139 A Month Cancels $ 60 What If … … instead of giving your money to the bank to float, you floated your own money for yourself?
  7. 10. Not a New Concept – Australia and England Australians pay $100,000 - $150,000 less in interest on their mortgages than do we Americans.
  8. 11. $200,000 Mortgage Savings $3,000 Checking $5,000
  9. 12. $197,000 Mortgage Savings Checking $5,000 $3,000
  10. 13. $192,000 $3,000 Mortgage Savings Checking $5,000
  11. 14. <ul><li>Europe, Canada, and Australia have been doing this for years. </li></ul><ul><li>1/3 of mortgages in Europe and Australia are interest cancellation. </li></ul><ul><li>Homeowners must refinance into an “ Open Ended Line Of Credit” </li></ul><ul><li>United First Financial has found a better way. </li></ul>(DO NOT REPRODUCE) Interest Calculated On Average Daily Balance Take Out Equity At Any Time Bank Accepts Payment Multiple Times How is this possible?
  12. 15. <ul><li>You don’t have to: </li></ul><ul><li>Refinance to lower interest rate </li></ul><ul><li>Change your current budget </li></ul><ul><li>Alter your current lifestyle </li></ul><ul><li>This is not: </li></ul><ul><li>A Bi-weekly payment program </li></ul><ul><li>A traditional debt roll down program </li></ul><ul><li>Anything you have ever seen before ! </li></ul>
  13. 17. Closed Ended Loan (1 st Mortgage) Equity Line Closed Ended Loan (1 st Mortgage) $ 40,000 Equity Line Closed Ended Loan (1 st Mortgage) $ 200,000 $195,000 $195,000 $ 40,000 $ 40,000 $5,000 $0 $0 A Better Way… $5,000 Income Transfer Funds
  14. 18. Income Average daily balance works in your favor; when you combine income and expenses and use your Open Ended Equity Line as your checking account. Keeping income in an open ended account cancels out the amount of interest that can be charged to you. Consider all the cash flow that you give away every month. SIMPLE STRATEGY: Your Equity Line Becomes Your Checking Account How It Works…
  15. 19. A Paradigm Shift
  16. 21. History <ul><li>History </li></ul><ul><li>Parent Company is Accelerated Equity & Development In Draper, Utah </li></ul><ul><li>Highly successful mortgage company for over 10 years </li></ul><ul><li>Invested 2 million and 2 years developing the MMA software program </li></ul><ul><li>Tested the MMA program with 400 homeowners in Denver, Colorado area </li></ul><ul><li>Results: After 2 years 97.6% are actively using the MMA software and 15-20% are ahead of their original projections </li></ul>
  17. 22. Monthly Payment And “Float” Payments are due on the 1 st , late on the 16 th , and applied on the 30 th Bi-Weekly programs can not avoid this “contractual” agreement. What happens to the money? (Interest, Principle?) 1 st Due 15th 30th One Way Banks Make Money: Float
  18. 23. Escrow Money Mortgage Payment Rental Income Float Stagnant money Daily balance in Checking, Savings accounts, CD’s Income Tax Withholdings WHERE DOES THE MONEY COME FROM? Learn the Power of the Money Merge Account Debt Merge Credit cards, Auto loans, Second mortgages, Student loans
  19. 24.
  20. 25. <ul><li>Three Components of an MMA </li></ul><ul><ul><li>Your 1 st Mortgage </li></ul></ul><ul><ul><li>Home Equity Line of Credit (HELOC) / Interest cancellation account? </li></ul></ul><ul><ul><li>MMA Software & Website </li></ul></ul>
  21. 26. <ul><li>Component #1 </li></ul><ul><ul><li>Your 1 st Mortgage </li></ul></ul><ul><ul><li>Closed-End Loan: </li></ul></ul><ul><ul><li>The bank will ONLY apply monies once a month to this type of loan and will only apply a full payment to adjust principal balance </li></ul></ul>Component #1 -Your 1 st Mortgage
  22. 27. <ul><li>Close-Ended Loan Structure </li></ul>$200,000 Mortgage At 6% Fixed Rate Costs 115-120% Of Amount Borrowed Interest Calculated On Month End Balance Bank Applies Payments Once A Month Must Sell Or Refinance To Receive Equity A Few Mortgage Facts…. $ 1,199 Monthly payment x 360 Months (30 year loan) $431,677 Total repayment -$200,000 Principal loan amount $231,677 Total interest paid
  23. 28. <ul><li>Amortized Loan: $200,000 @ 6% = $1,199 </li></ul><ul><li>Total </li></ul><ul><li>Years Principal Interest Balance Equity Payments </li></ul><ul><li>Mo. 1 199.10 1000.00 </li></ul><ul><li>Mo. 2 200.10 999.00 </li></ul><ul><li>1 Yr. 210.33 988.77 197,543 2,457 14,389 </li></ul><ul><li>5 Yr. 267.22 931.88 186,108 13,891 71,946 </li></ul><ul><li>10 Yr. 360.44 838.66 167,371 32,628 143,891 </li></ul><ul><li>21 Yr. 696.23 502.87 100,573 99,436 300,974 </li></ul>Component #1 -Your 1 st Mortgage
  24. 29. <ul><li>Example of Applying More Money to Principal </li></ul><ul><li>$1,199 First monthly payment </li></ul><ul><li>$5,000 Additional principal </li></ul><ul><li>$6,199 Total first payment </li></ul>Component #1 -Your 1 st Mortgage
  25. 30. <ul><li>Example of Applying More Money to Principal (Cont’d) </li></ul><ul><li>$195,000 New principal loan balance </li></ul><ul><li> 6% Interest rate </li></ul><ul><li>$ 1,199 Monthly payment </li></ul><ul><li> </li></ul><ul><li>337 New Months </li></ul><ul><li> $231,677 Original interest paid </li></ul><ul><li> $208,272 New interest paid </li></ul><ul><li>$ 23,405 Interest Saved </li></ul>Component #1 -Your 1 st Mortgage
  26. 31. One time payment $5,000 $23,405
  27. 32. <ul><li>Component #2 </li></ul><ul><ul><li>Your 1 st Mortgage </li></ul></ul><ul><ul><li>Home Equity Line of Credit (HELOC) / interest cancellation account. </li></ul></ul><ul><ul><li>Open-End Line of Credit </li></ul></ul><ul><ul><li>Second mortgage with variable rate </li></ul></ul><ul><ul><li>The lender will apply payments/deposits to loan balance when received, not at the end of the month </li></ul></ul><ul><ul><li>Multiple payments forces the lender to adjust principal balance multiple times per month </li></ul></ul>Component #2 -Your 1 st Mortgage -ALOC
  28. 33. $200,000 $60,000 Mortgage Open a Home Equity Line of Credit (HELOC) = HELOC HELOC Closed End loan Open End loan
  29. 34. <ul><li>We need an account that will work as much like a Checking Account as possible, but still cancel interest. </li></ul><ul><ul><li>A Home Equity Line of Credit (HELOC) would work! </li></ul></ul><ul><ul><ul><li>Unlimited check writing </li></ul></ul></ul><ul><ul><ul><li>Unlimited debit card usage </li></ul></ul></ul><ul><ul><ul><li>Access to YOUR money (and equity) 24/7 </li></ul></ul></ul><ul><ul><ul><li>Open ended interest instead of Front loaded interest (like on our mortgages). </li></ul></ul></ul><ul><ul><ul><li>Client will payoff the 1st mortgage </li></ul></ul></ul><ul><ul><li>and the HELOC in the same amount of time. </li></ul></ul>
  30. 35. <ul><li>Open-End Loan </li></ul><ul><ul><li>Becomes an Interest Cancellation Account! </li></ul></ul><ul><ul><li>Control your money, so your money doesn’t control you and… </li></ul></ul><ul><ul><li>Get your money working for you instead of working for the bank! </li></ul></ul><ul><ul><li>Functions as a primary checking account </li></ul></ul><ul><ul><li>Deposit all of your income into the HELOC </li></ul></ul><ul><ul><li>Pay bills as you normally do using the HELOC </li></ul></ul><ul><ul><li>Size of HELOC does not matter </li></ul></ul>Component #2 -Your 1 st Mortgage -ALOC
  31. 36. <ul><li>Front-Loaded Interest </li></ul><ul><li>Assume you have a 30 yr. Mortgage and you Move or Refinance: </li></ul><ul><li>Within 7 years, results in paying a staggering 68% </li></ul><ul><li>Within 5 years, results in the equivalent of a 102% Interest!!! </li></ul><ul><li>Effective Interest Rates </li></ul><ul><li>Is 6% really 6%? Is 8% really 8%? </li></ul><ul><li>1 st Mortgage HELOC </li></ul><ul><li>Months-End Balance Average Daily Balance </li></ul><ul><li>Closed End Mortgage Open End Line of Credit </li></ul><ul><li>$ Goes in – Locked in $ In and $ Out - $ In and $ Out </li></ul> Difference between types of loans: Compound Interest - “The greatest mathematical discovery of all time.”
  32. 37. <ul><li>Component #3 </li></ul><ul><ul><li>Your 1 st mortgage </li></ul></ul><ul><ul><li>Open-End ALOC </li></ul></ul><ul><ul><li>MMA software and website </li></ul></ul><ul><ul><ul><ul><li>Financial dashboard </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Financial planning </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Online account register </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Maximizes money performance </li></ul></ul></ul></ul><ul><ul><ul><ul><li>10 minutes per month to update </li></ul></ul></ul></ul>Component #3 -Your 1 st Mortgage -ALOC -MMA Software
  33. 38. <ul><li>MONEY MERGE ACCOUNT SOFTWARE </li></ul><ul><li>Web site based – Takes No Personal Information </li></ul><ul><li>Does NOT move money </li></ul><ul><li>Does NOT pay bills </li></ul><ul><li>Functions as an account register </li></ul><ul><ul><li>Wants to know how much money is coming in </li></ul></ul><ul><ul><li>Wants to know how much money is going out </li></ul></ul><ul><li>Tracks your monthly budget </li></ul><ul><li>10 minutes per month to update </li></ul><ul><li>Continuous customer support </li></ul>
  34. 39. <ul><li>Money Merge Account Specs: </li></ul><ul><li>Software prompts when to make payments . </li></ul><ul><li>It understand budgets and financial planning. </li></ul><ul><li>It maximizes your money performance. </li></ul><ul><li>Automatic “back-up” – Your own website. </li></ul><ul><li>NO ACCOUNT NUMBERS! </li></ul>
  35. 40. <ul><li>The HELOC is the “Vehicle” which allows you to be the Bank… allows you to Float the banks money to cancel interest. </li></ul><ul><li>The MMA Software is the “Navigation System ” which guides you the quickest way to zero. </li></ul>
  36. 41. $20.83 Interest $12.50 Interest Jones Family $200,000 Loan @ 6% = $1,199.10 $15,000 Equity Line @ 10% $5,000 Monthly income -$4,000 Living expense (mortgage, car payment etc.) $1,000 Discretionary income Month 1 $3,500 MMA investment $4,000 Living Expenses $7,500 On your equity line $5,000 Income $2,500 Monthly balance Month 2 $2,500 Starting Balance $4,000 Living Expenses $6,500 On your equity line $5,000 Income $1,500 Monthly balance
  37. 42. Funds Transfer $34.80 3 Month Total $68.13 Principle Jumped $19.38 $1,500 Starting Balance $4,000 Expenses $5,500 $5,000 Income $ 500 $3,675.77 $4,175.77 Average balance Month 3 Interest Cancellation $17,790.17 Principle Interest Balance Pmt. Left Month 1 $199.10 $1,000.00 $199,800.90 359 Month 2 $200.10 $999.00 $199,600.80 358 Month 3 $201.10 $998.00 $195,723.93 339 Month 4 $220.48 $978.62 $195,503.45 338
  38. 43. $26.46 Interest $18.13 Interest $4,175.77 Start Balance $4,000 Living Expenses $8,175.77 $5,000 Income $3,175.77 Monthly balance Month 4 $3175.77 Starting Balance $4,000 Living Expenses $7,175.77 $5,000 Income $2,175.77 Monthly balance Month 5
  39. 44. $34.13 6 Month Total $146.85 $15.72 Principle Jumped Funds Transfer Principle Interest Balance Pmt. Left Month 4 $220.48 $978.62 $195,503.45 338 Month 5 $221.58 $977.52 $195,281.87 337 Month 6 $222.69 $976.41 $192,138.94 323 Month 7 $238.41 $960.69 $191,900.53 322 $2,175.77 Starting Balance $4,000 Expenses $6,175.77 $5,000 Income $ 1,175.77 $2,920.23 $4,096.00 Average balance Month 6 Interest Cancellation $12,274 $29,523 Total
  40. 45. $25.80 Interest $17.47 Interest $4,096 Start Balance $4,000 Living Expenses $8,096 $5,000 Income $3,o96 Monthly balance Month 7 $4,000 Living Expenses $7,096 $5,000 Income $2,096 Monthly balance Month 8
  41. 46. $33.63 9 Month Total $233.48 $15.79 Principle Jumped Funds Transfer Principle Interest Balance Pmt. Left Month 7 $238.41 $960.69 $191,900.00 322 Month 8 $239.60 $959.50 $191,166.93 321 Month 9 $240.80 $958.30 $188,502.45 309 Month 10 $256.59 $942.51 $188,245.86 308 $2,o96 Starting Balance $4,000 Expenses $6,096 $5,000 Income $ 1,096 $2,917.68 $4,003.68 Average balance Month 9 Interest Cancellation $11,155 $40,678 Total
  42. 47. $25.03 Interest $16.70 Interest $4,003.68 Start Balance $4,000 Living Expenses $8,003.68 $5,000 Income $3,o03.68 Monthly Balance Month 10 $4,000 Living Expenses $7,003.68 $5,000 Income $2,03.68 Monthly Balance Month 11
  43. 48. $32.68 12 Month Total $297.89 $15.79 Principle Jumped Funds Transfer Principle Interest Balance Pmt. Left Month 10 $256.59 $942.51 $188,245.86 308 Month 11 $257.87 $941.23 $187,987.99 307 Month 12 $259.16 $939.94 $184,811.16 295 Month 13 $275.04 $924.06 $184,536.12 294 $2,096 Starting Balance $4,000 Expenses $6,003.68 $5,000 Income $ 1,003.68 $2,917.67 $3,921.35 Average balance Month 12 Interest Cancellation $10,184 $50,862 Total
  44. 49. 7.5% Increase In Net Worth Total Interest Savings of $167,219.00 MMA Program Conventional Program Starting Balance $200,000 $200,000 Year End Balance $184,811 $197,543 Repayment Time 10.4 Years 30 Years Total Interest Paid $70,422 $231,677
  45. 50. <ul><li>MMA‘s Algorithm Optimizes Everything </li></ul><ul><li>How much and when… </li></ul><ul><ul><li>- If you transfer too much, </li></ul></ul><ul><ul><li>interest charges will eat you up </li></ul></ul><ul><ul><li>- If you transfer too little, </li></ul></ul><ul><ul><li>not enough principal increase </li></ul></ul><ul><ul><li>- Dollar amounts are different every time </li></ul></ul><ul><ul><li>- Frequency varies every time </li></ul></ul><ul><ul><li>- Need a financial dashboard </li></ul></ul>
  46. 54. Newly Married
  47. 56. (DO NOT REPRODUCE)
  48. 58. Mortgage ALOC Many people think… When you use $$$ from the ALOC… Misconception
  49. 59. Mortgage ALOC to reduce the 1st mortgage… Misconception
  50. 60. Mortgage ALOC the ALOC will end up with a large balance. Like this….. Misconception
  51. 61. Mortgage ALOC Misconception
  52. 62. Mortgage ALOC Misconception
  53. 63. Mortgage ALOC Misconception
  54. 64. Mortgage ALOC But that’s not how it works at all! Misconception
  55. 65. Mortgage ALOC Equity transfer. SLAM! Balance increased.
  56. 66. Mortgage ALOC Here’s how it works. We use $ from the ALOC. And yes, the balance on the ALOC goes up. And yes we slam down the mortgage! The software prompts an equity transfer !
  57. 67. Mortgage ALOC But wait what’s happening here?
  58. 68. Mortgage ALOC But wait what’s happening here?
  59. 69. Mortgage ALOC But wait what’s happening here?
  60. 70. Mortgage ALOC But wait what’s happening here?
  61. 71. Mortgage ALOC But wait what’s happening here?
  62. 72. Mortgage ALOC Our paychecks drive down the balance!
  63. 73. Mortgage ALOC Now the ALOC balance is low again, the software prompts another equity transfer .
  64. 74. Mortgage ALOC Here we go again. We use $ from the ALOC. The balance on the ALOC goes up. And yes, we slam down the mortgage! SLAM! Balance increased.
  65. 75. Mortgage ALOC Paycheck……reduction!
  66. 76. Mortgage ALOC Paycheck……reduction!
  67. 77. Mortgage ALOC Paycheck……reduction!
  68. 78. Mortgage ALOC Paycheck……reduction!
  69. 79. Mortgage ALOC Paycheck……reduction!
  70. 80. Mortgage ALOC Here we go again. The software prompts an equity transfer !
  71. 81. Mortgage ALOC Here we go again. We use $ from the ALOC. And yes, the balance on the ALOC goes up. And yes we slam down the mortgage! SLAM! Balance increased.
  72. 82. Mortgage ALOC Paycheck……reduction!
  73. 83. Mortgage ALOC Paycheck……reduction!
  74. 84. Mortgage ALOC Paycheck……reduction!
  75. 85. Mortgage ALOC Paycheck……reduction!
  76. 86. Mortgage ALOC Paycheck……reduction! YES! This continues until the debt is gone!
  77. 87. Mortgage ALOC SLAM!
  78. 88. Mortgage ALOC SLAM!
  79. 89. Mortgage ALOC SLAM!
  80. 90. Bye-Bye Mortgage! Bye-Bye Debt!
  81. 91. <ul><li>UFF + Money Merge Account - Helping families become debt free and afford retirement! Yes! </li></ul><ul><li>Americans spent $42billion more than they earned last year , turning the US savings ratio negative for the first time since the Depression! </li></ul><ul><li>Social Security? Pensions? Personal Saving? </li></ul><ul><li>80% of divorces are caused by… </li></ul><ul><li>For 12yrs, these programs have been used extensively in Australia and UK. 1/3 of all homeowners are saving $100,000-$150,000! </li></ul><ul><li>Spent Millions developing the software and its algorithms! </li></ul><ul><li>Mortgage Freedom! </li></ul>United First Financial
  82. 92. Financial Optometry <ul><li> MMA Conventional </li></ul><ul><li>Years to pay off debts 10.4 30 </li></ul><ul><li>Effective interest rate 2.085% 6.0% </li></ul><ul><li>Interest paid $70,422 $231,677 </li></ul><ul><li>Invest $3,500 and save $167,219 $0 </li></ul><ul><li>Rather pay off at age 52 70 </li></ul>
  83. 93. <ul><ul><li>Now invest the available $1,199.10 per month for the remainder of the 19.6 year term Plus the $1,000 discretionary income and realize a potential nest egg of: </li></ul></ul>Your home is paid off in 10.4 years, plus… 6% $980,216 8% $1,242,209 10% $1,591,328
  84. 94. <ul><li>Get your Free </li></ul><ul><li>Money Merge Account Software Analysis </li></ul>

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