Do you know how the Money Merge Account system works? The concept is elegantly simple...find the one precise path to being debt free in the fastest time possible, while saving the most money. As a former financial planner, the concept of the Money Merge Account is a God-send.

You start with debt. It works with all kinds, it doesn't matter. As a general rule, I have found that if you have less than approximately $50,000 in debt, this process has little impact. On the other hand, if you have a mortgage or other large debts, the impact is extraordinary and pays huge dividends.

You then need some type of an account that you can move money into and out of whenever you want. This is usually some type of a line of credit, it can be a home equity line of credit, a business line of credit, or a personal line of credit (I even have one client that is using his margin account at a stock brokerage!). If you don't have one of those, or cannot get one in today's credit tightness, the program works just as well if you use a checking account, savings account, and a credit card (almost all of us have those).

Now, you move your money in between the accounts, on the exact date, in the precise amount, to accomplish two things...1-minimize the amount of interest that you pay on your debts, and, 2-maximize the amount of interest that you save and create you arriving to zero debt in the fastest time possible...simple right?

The Money Merge Account software is an online, web based tool that is specifically designed to do just that. Since it is on the Internet, you can use it from any computer, regardless of where you are on the planet. United First Financial designed it this way so that, if you have access to the Internet, you have access to your Money Merge Account software and web site. As a finance and a planning tool, nothing else touches it, though some advertise that they do.

Once my financial information is loaded into my software, all that is required is for me to update my income and my expenses on a regular basis...I just tell the software what is going on with me financially, and it takes care of everything else. The software updates in real time and continues to make recommendations to me regarding the exact date to move money, in the precise amount, so that I pay off all of my debts in the fastest time possible.

Sure you can, and don't let anyone tell you that you can't.  We humans are incredibly capable...we can build our own homes, we can repair and replace our own car engines, we can sew our own clothes, and we can give ourselves our own haircuts...certainly with something as simple as a haircut, we are all doing that for ourselves, right?  Perhaps the more appropriate question is... 

I have a client who was a math major in college and set out to prove to me that he could set up his own Money Merge Account and do the calculations himself so that he could avoid purchasing the service from me. 

When we met the next time, he shared his calculations with me and we compared...he did a very nice job!  I was favorably impressed with his capabilities with mathematics (he and I are Harley riding buddies).  His calculations brought him within one year and within approximately $5000 of the savings that the Money Merge Account software achieved. 

I kneldt to his ability and told him that I would never bring up the Money Merge Account to him again.  He then said that he wanted to buy the service because it took him three days to do the calculations and he could not keep up with the changing variables of his finances (items like daily interest charges, and the time value of money).  His comment was, and I quote, "Who would want to do this themselves, once they know what is involved?"