The value

Who told you that?

2008-07-01T12:03:29Z

WHO TOLD YOU THAT?

Sometimes we the people tend to be influenced by other people! Have you ever been influenced by someone else? or their opinion? We all have in one way or another! Just this past Sunday at Church our World renoun Pastor, Preached the message titled "WHO TOLD YOU THAT". We are influenced by the opinions or the way others think about a things. It's a reality that if you turn the TV on you can feed your mind to all the negative things that are always being talked about. At work you got the MOTTO mouth always got an issue! You know who that is.. Nothing but complain everyday all day everything bothers this person. Then you sit around wondering why people are so negative? The answer is simple you are a product of your environment GOD gave you two feet, two legs, two arms, two hands, two ears, two eyes, one mouth and two sides to your brain. What ever you CHOOSE to believe is what you will become. If you are always seeking gossip and drama you will always find it. But when you choose to start renewing your minds you will have a vision that will bring forth any manisfestation which your heart desires....

We are constantly feeding our minds with JUNK and JUNK is what we get! Isn't this crazy?

We have realtors running around with their heads up their ***** and don't even have a clue! Well they say the news said it's bad out there. Business isn't bad out there it's your mind....If you choose to believe what people say you might as well drop out of the race cause the ones telling you it's not good already did. But we have to be realist "Oh yes" But not with the he said she said attitude... I challenge you all reading this to think positive all day and let me know if it worked. By the way it takes time and conditioning to try being positive most of the time... So don't let anyone else make you believe something unless you have researched it and found out the true facts. Because there are real estate agents making a killer while most sit and complain.

I say all this because I have had hundreds of realtors and brokers tell me that my business is a complete SCAM it doesn't work, it will never work. I swallowed those words but believed in my heart that they didn't know the whole picture. Today some of those brokers have closed down their respected businesses. "They have what I call negative conditioning awareness" When someone shows them a better way they automatically assume they know the answer. They listened to the influence and began to believe they were next and that's what they became.. It is so sad to see how we are controlled by negative influences.....

Fact: This year, over 2 Million kids will be homeless because of foreclosures.
Fact: More people will go into bankruptcy than graduate from college.
Fact: The US has 6.3 Trillion in Consumer Credit Card Debt. More than the whole world combined.

UFirst won the Ernst Young "Entrepreneur of the Year Award"...
This is huge. This is the company who cut the checks to Miss America and Companies like American Idol. But then there are people who listen to others and say that we are a scam. Well no more.

In order to qualify for version 4 you need these 4 qualifications.
1. A Checking Account
2. A Savings Account
3. Income needs to be at least the same amount that you spend.
4. A pulse.

We are not magic though. If you make $5k and spend $8k, then work this business.

No More Credit Cards needed.
No More Good Credit needed.
No More Lines of Credit needed.
No Competition.
No debt needed.
No Mortgage needed.
No More Excuses.

Make the choice to help people who can really use this program to get them out of trouble. "YOU GOT THE POWER" "THE CHOICE IS YOURS" Remember "WHO TOLD YOU THAT"

So it really is TOO GOOD but IT"S TRUE this is the REAL DEAL.

May GOD bless you all

Juan Tanon

407 319-3369

www.mortgagefreefinancial.net

JOIN OUR TEAM IF YOUR HEART DESIRES TO REALLY HELP PEOPLE.

www.mortgagefreefinancial.net/career-opportunity.html

The types of personalities!

2008-06-18T09:04:29Z

Dear: Friend

Has this ever happened to you?

You get a call from a friend who wants to show you something very exciting. Perhaps it's the next best thing to the electric lamp but he forgot something. He doesn't understand your personality type! There are four types of people, I think you would be amazed at the results once you learn them and put them into action....

I have added this information to help people develop skills not motivation "What do you get when you motivate an idiot"? a motivated idiot.

Four colors which represents you?

Yellow Group Oriented
Green Analytical
Blue Promoters (The world revolves around them.)
Red Rainmakers. Risk takers. Independent

But how do you master which color belong to who? You will do this by developing skills and educating yourself on what to say and not to say.

Ever go to someone and say the wrong thing? I have so many times "YUPP" I was an idiot I admit to it 100%. But you can't be a great runner just because you jogged a 1/2 block. Developing skills takes time to learn. This is why we have successful people and not so successful people. Invest time in yourself and you can sell or do anything.

I am a RED by nature and have fallen so many times! But a RED always keeps on keeping on. Today I am on a different path and that is to teach people that when OPPORTUNITY KNOCKS it's not the companies fault if you fail. You have to get trained for success. This is why it's such a fact that "If someone with a poor mentality wins the lottery it's only years before they go broke" These people never educated themselves on money. If you want to be really good at something get training.

The bottom line is you must LOVE what you do! Get the proper training! Keep on keeping on! and study the four personality types......We have made it simple and stupid and now can enjoy the benefits by training others on this system that we learned. We are holding webinars on this subject contact us for dates and times...

You got the power: Want to earn a multiple stream of income? We will train the right people!

Change your life be the 97% not the 3%...

Juan Tanon

407 319-3369

Quote

2008-06-16T18:33:56Z

In times of change the learners will inherit the earth, while the learned find themselves beautifully equipped to handle a world that no longer exists.

People are one skill away from financial freedom. That is to have the ability to keep on learning.

Keep learning about what you already do! Education is the key to understanding.

visit my website and learn something new you can use www.mortgagefreefinancial.net

Juan

407 319-3369

Are you coachable?

2008-06-12T08:23:55Z

Saturday, June 14th 1:00 to 4:00 P.M.
Let's face it, the company can give the Money Merge Account for free and people will still complain about something. Why because they are not properly trained "We are no longer ORDER takers." Where there is No Training No Mentoring No Coaching there's a high level of failure. This where we come as successful trainers to offer you the true vision of successful people.

Since the company is coming out with a new makeover and version 4, this Saturday's training is on prospecting, recruiting and sales.

First Topic - Phsychology of Prospecting
There is no such thing as a good prospect and a bad prospect. The prospect becomes good or bad based on what you say and do. You will learn how to read people, what to say and discover 100% rejection free prospecting. You will master the law of reaction.

Second Topic - Phsycology of Recruiting
A lot of us recruit wide and find out that nobody does anything. Then we quit. I will teach you how not to recruit the wrong agent and how to attract the right people to your team. We spend 90% training and 10% producing. If you attract the right people, you don't need to train, motivate and convince them to do something. The last 2 agents I sponsored, not only became agents but they are going to Atlanta and I didn't even go over the comp plan with them. Remember is what we say and do that makes them a good candidate. For the last 15 months, I have been doing this business completely wrong. After hiring coaching on our industry the last 45 days my business completely have changed.

Third Topic - Sales
Check this out... The last 6 clients that I sold the MMA to. I didn't show them the presentation or even did the analysis to close them. I could have closed a lot more only a lot of them didn't qualify until next month. I sold them by the great gift of asking and listening. I will show you to close a sale by asking the right questions. I will also show you how to block the law of Diminishing Intent.

Utracker and Money Merge
We will show you how we are using the system of these two great sites to attract the right people. Remember system stands for:
S. Save
Y. Your
S. Self
T. Time
E. Energy
M. Money

We only have 30 seats available, first come first serve. Please reserve your space by replying to info@mortgagefreefinancial.net

Do you earn what your worth

2008-06-12T06:49:22Z

This Saturday June 14th we are putting together a live webinar. If you are in the real estate business and want to get some valuable information on increasing your income. We invite you to take part on this webinar seating is limited so you have to contact us right away. We will send you a link to login. This will be taking place at 1:00 to 4:00 P.M. Eastern time. Our guest speaker not only is a successful individual, he currently earns 30,000 to 50,000 dollars a month.

You will learn how to earn the money you want to earn
Make people buy from you
Identify people and their buying signs

This exclusive information has a potential to change your life. Use on any business, Free to attend you don't want to miss this. Mark your calendar and learn from the very best financial experts. To sign up you must send us an email in the subject: I want to attend this webinar. Send in your request

I'll see you there

Juan Tanon

407 319-3369

info@mortgagefreefinancial.net

become a Successful Independent Agent with United First Financial

2008-06-07T14:48:19Z

June is a phenomenal time to become an United First Financial Independent Agent and introduce homeowners to UFirst's revolutionary Money Merge Account (MMA)! With mostly bad news coming from the mortgage industry right now, it's refreshing to hear that United First Financial customers are reporting that their 30-year mortgage can be paid off in as little as 8 to 11 years, with relatively no change in lifestyle or refinancing of the existing mortgage.

The Money Merge Account rapidly reduces the principal of a homeowner's mortgage when used in conjunction with UFirst's revolutionary software program.

This breakthrough program was developed by a United First Financial team of financial experts after investing over $2,000,000 and two years of fine tuning the product.

Hundreds of thousands of Americans if not millions are struggling to keep up with their mortgage payments each month for one reason or another. The number is staggering. The Money Merge Account potentially can help you from joining the ranks of those having trouble paying off their mortgage if you can qualify.

What are the advantages of the Money Merge Account? In other words...What's In It For ME?

Potentially saves you thousands of dollars in INTEREST
Pay off your mortgage and other debts in 1/3 to 1/2 the time
Increase your cash flow and financial flexibility
Create an emergency cash fund and/or reserve
Potentially increase your credit score
Potentially greater tax benefits (consult your tax advisor)
Less stress...lower your debts, create harmony in your home!
Tangible financial plan and budgeting tool
You become the bank and let your money serve you...never refinance your mortgage again!

Some people (possibly with their own products to sell or agenda) say that all this is "too good to be true" or this "must be a scam." Well, I'm here to unequivocably tell you that the Money Merge Account system is the REAL DEAL and people's lives across the United States are changing for the better every day because of it!

However, as the title indicates, the focus of this is learning how to become a successful Independent Agent with United First Financial. This is a phenomenal business opportunity so let's get started!

As an Agent, you'll teach homeowners through the United First Financial program and software, how to make their money work for them, rather than handing it over to the banks, and help people truly change their lives. This allows for true financial freedom, and opens up multiple opportunities for the future.

With the Money Merge Account Software, our United First Financial clients may visualize the impact of their various financial decisions while seeing the impact those decisions have on their total financial picture.

Helping clients change their financial outlook is so rewarding. Showing them the analysis, and watching their expression change as they realize the burden of 20-30 years of debt will be lifted from their shoulders is truly a blessing!

This business is fun, financially rewarding, and so powerful. I love being able to help people and still be available to my family. Get in touch with me TODAY to allow me to help determine how United First Financial can affect you and your future.

Provided by Independent Agent of United First Financial #866305.

Warm regards!

Juan Tanon

info@mortgagefreefinancial.net

make money in network marketing-you really can

2008-06-07T12:29:18Z

Network marketing is on the rise. Why? Because if you want to work from home or even make some money online, network marketing or multi level marketing can help you do just that.

After many years in marketing/sales I can honestly say that I have been very successful. I am a people person and love to talk. Two excellent qualities of network marketers. My abilities weren't given to me, I had to learn and be educated on the principles which I then included in my life.

What has helped us be so successful in network marketing? To make good money in network marketing your service or product must be one many people can use or enjoy, must be priced right, and it must be a product or service people are already using. If people are already using a similar service or product you will not need to spend as much time educating people.

Compensation Plans- In the network marketing business the compensation plan must be worth wild! Let me explain, if I am marketing a product lets say worth $300 and I only get a $10.00 commission from it, it is NOT worth my wild. Do you know how many products at $300 I would have to sell just to make $1000 a month? Do the MATH! 1,000.00/10.00=100 per month!

You want to make sure any mlm business has a good comp plan before you join. If they do not, you will only be setting yourself up for failure.

The Product Or Service- Many network marketers fail simply because they join a business based solely on its comp plan and not on the products or service sold. If you believe in what you are marketing, you will have much more success. If you don't have a plan you are planning to fail.

The start up cost- There is NO business in the world you can start for nothing. If you happen to find one, it is generally a brand new company, with no market research, no training, no websites, and nothing you will actually make any decent money at. Those are normally the businesses run out of a home some where. These companies will never go anywhere and you will never make any decent money.

99.9% of home businesses require some kind of start up cost. The cost is to offset training material or kits the new rep will need to get started. After studying many network marketing companies, I expect to make some type of investment to get involved with a good company.

When people join a business with a start-up cost involved (no matter if it is $50 or $500) those are the people who are generally serious about a home business. Those are the prospects you want!

People who start restaurants or stores have investments for products and overheads, same thing with network marketing. You will need supplies and business materials.

After that has been said I would like to make a few points....

Point 1- Having 20 people join a freebie business who sit back and do nothing are useless to you. Those are the people who join businesses out of curiosity or the ones who may do something with their business ONE DAY. These are generally the people who will never upgrade, never do anything with the business, and expect you to do everything for them. A BIG waste of your time.

Point 2- Having 10 people join a business with some type of investment will serve you much better! Why? Those are serious people that will not waste a lot of your time. I do not want to spend 5 hours with someone training them for them to turn around and do nothing with their business. People looking for a legit business know that there will be some type of investment needed.

Point 3- Always look at the Opportunity with an Open Mind it does not mean that you have to join. But it can seriously allow you to get all the details about that company without any negative missconceptions about it. Do the research not just the compensation research, look at the product would you like to own it? Would it benefit your clients? Would you be excited to talk about it?

Training for team member.
Support for your customers.
A decent track record.
An excellent compensation plan.
Websites you can use that are user friendly.

All of those are important for the success of any business. You need a good training system, you need good support, you need to know the company is solid and will not be shutting down any time soon.

These are some of the steps! By the way referrals, referrals, referrals. I have had much success with those even from people who wouldn't buy. Send them my way I will take care of them and send you something in return...

I'll see you at the TOP, building people to help a hurting economy:

www.mortgagefreefinancial.net/become-an-agent.html

MLM is not a SCAM

2008-06-07T11:59:03Z

Multi-Level marketing is the same exact thing as Direct Sales, yet no one ever questions direct sales companies.

That is right. Your company may call it direct sales, party plans, mlm, network marketing, or even consumer direct marketing. No matter how you word it, they all do the same thing! Sell products or services and all bring new people into the business to gain bonuses and additional commissions.

ANY time you earn money from a downline you are paid on MULTI levels! Which is the exact same concept behind Multi Level Marketing. You make money from different levels.

Any company can be a scam! I have saw many many direct sales businesses come and go just as quick as mlm companies. Anyone remember, Scrap In A Snap, the scrapbooking party plan/direct sales company? What happened to them? They were billing reps and never sending products! They were paying reps with bad checks! I mean the list goes on. That company was classified as a direct sales business and they did scam many people, not just the reps, but the companies manufacturing their products!

People have the misconception that mlm is a scam. MLM is not a pyramid, it is nothing more than a company who has Distributors, Independent Business Owners, Franchise Owners, Consultants, Independent Agents, etc. to sell products or services and earn additional sales commissions based on the sales of people enrolled into their downline.

That is the same exact thing people do in direct sales, network marketing, consumer direct marketing, ect. They are paid based on their sales and others in their downlines!

I even see people who join mlm companies who are not successful turn around and call that company a scam. Just because you did not have success with a business opportunity, does not make it a scam. As with any business, success does not come over night.

Multi-level marketing has an image issue due to the fact that it is often difficult to distinguish MLM's from illegal schemes.

From The BBB Website....
Multi-level marketing, a direct sales system, is a well-established, legitimate form of business. Many people have successfully sold the products of reputable companies to their neighbors and co-workers. These people are independent distributors who sell popular products and also recruit other distributors to join them.

That is from the BBB website! Now, a scam can happen in any kind of company, regardless of what they are classified as. A business is only as good as the people around it, but MLM is not a scam!!!!!!!!! Perhaps some people in MLM businesses are not honest, but that do not make every MLM company a scam. Hell I have known people from different types of businesses be liars to gain a new downline member, but that does not make the entire industry a scam.

That is like saying all car dealerships are a scam. Come on now, how many people do you know who have in some way been burned from car salesmen and car dealerships? I personally know many! That does not make all car salesmen scammers.

This is a subject that really pushes my buttons bad! I have been with direct sales companies and companies that are labeled multi level marketing and they all are set up the same commission wise. You make your money from what you sell and what your group sells!

Therefore, there is nothing about mlm that is a scam! Sure some mlm companies may have been scams, but there have beem direct sales business scams as well. A few bad seeds can not ruin it for the legit ones!

Just think of this final point of view.....especiall real estate agents "If you sell property under broker Joe he gets a commission split of your sale. As a matter of fact what happens when there are 2 different brokers involved on the listing? Perhaps you make less. They provide you with the ability to make the sale, and they want to get paid...

Great product but no salesmanship

2008-06-06T19:17:27Z

Its interesting to watch different people try to sell a product. What is sad, but true, is that often times there is a great product for sell, but those who try to sell it will too often force it upon those who they think should buy it. People who don't want to buy something, won'tbuy it! Hard to believe, isn't it!? Of course not. The problem here is that there are some people who are convinced that a product is a bad product, or else someone tried to force it down their throats and now they won't accept it. This is exactly what I have seen with the Money Merge Account. There are some people who the Money Merge Account is notfor, and there are some people who, although it could help them, they don't want it. But with either of these types of people, someone has continually tried to sell them an MMA, and, of course, it went bad. So now these people are out there trying to claim how horrible the Money Merge Account is because they ran into the wrong agents who tried to force them to buy it and created a bad relationship.

Although I love to stand around the action, but not really get involved with the nay sayers... or not to a great degree, at least. I understand the Money Merge Account Program, but I can't see my self pushing it down someones throat. For it! It is an amazing program. But what good is it for me to talk about it with someone who can't understand it, want it, or needed, because it is all about the person who needs it. If they need it, it does notmean that they want it! If they are convinced that they don't want it, even if they do need it, there is no reason in trying further to give it to them. But for those who recognize the power of the Money Merge Account, and want to take advantage of it, and it suits them and their lifestyle, they are going to be super pleased with it.

Such is the way it is with life, and the Money Merge Account, and any other product under the sun that people, need, don't need, think they need, or think they don't need. If you are struggling with one person saying no it's not the end of the world. Keep in touch and show them your progress in a year or so, maybe then they will want it. But for now just walk away don't make a mess and continue your journey. I have a waiting list people who want to see me successful before they buy. That is exactly why they are where they are and will stay where they are, they only want to see results not facts....

Good luck!

Visit my website and you make the call

www.mortgagefreefinancial.net

Link to Us we are growing fast

2008-06-06T09:07:17Z

We are expanding our network to reach millions of people, we reaching home and business owners who need our service. If you have a website you may want to add your link to our site, this will give you recognition in our link partners pages.

If you are interested simply visit our website at www.mortgagefreefinancial.net and click on link exchange at the bottom of the page.

As we experience growth with United First Financial we are dedicated to helping home owners across the country become debt free in less time. If your firm has not been sponsored into this extraordinary program we would like the opportunity to share how this service can help you increase your income by offering this program to your clients.

That is to pay off their existing mortgage and debt in ½ to 1/3 of the time!

No need to refinance their mortgage which would cost thousands of dollars
No change in monthly mortgage payment ( NOT A BI-WEEKLY PROGRAM)
Little to no change in their current lifestyle

This Program Is GUARANTEED

GET A BIRDS EYE VIEW SEE THE MONEY MERGE ACCOUNT PROGRAM IN ACTION VIDEO

Would you have the ability to add this type of service to your portfolio of services so that your clients can save tens to even hundreds of thousands of dollars in future interest payments with the above mentioned benefits? And while doing so have the potential to earn a six figure income? Many professionals in the real estate market are using this tool to create a substantial income. In fact many are making more offering this program then they are selling homes...

To learn more about becoming an agent with United First Financial Click here

To Sign up and become an agent $175.00 one time FEE

1. See our compensation plan click here

2. Agent /Broker /Reseller click here

3. Follow our ABCD run 4 qualified MMA analysis with us

5. Get all the support you need.

Let's take it to the TOP

Juan Tanon

info@mortgagefreefinancial.net

407 319-3369

Are you going broke? Let us train you

2008-06-04T10:11:57Z

So many realtors are going broke, leaving the business. I guess the phone is not ringing at the office. Or perhaps they are just not making ends meet. Is your mind programmed for future growth, or are you dependent on the lead to come to you. If you don't seek you will never find. It seems to me that the harder I work the more I make and the Luckier I get. Follow up with your old customers increase your portfolio with more services. With technology changing constantly isn't it fair to say that you should stay updated with everything in the market place. I know realtors making thousands of dollars just by simply offering their clients our program. Yet most are not willing to take a few minutes and research the real truth behind what can make them an additional income. Network with your clients go talk to them learn how you can use this money merge account program to your advantage. Don't listen to what scooby doo has to say. Do the research and learn how it works. Use our power point presentations, offer them a free analysis, and get them on the way to saving money. It is not hard to learn or to teach. When people understand this program they will want to use it. FORGET this oh it's network marketing and that's a scheme.

Let's use this perspective if you are a realtor working for a company aren't you networking for that company? Are they making money when you sell the house? Or are you the only one getting paid? But let's go deeper into this. If you had your own real estate firm: Wouldn't it be smart to have as many realtors as you could have paying you desk fees and you earning a split on what they sell? Or would it be fair to say that you would rather be a one man operation and do everything yourself. Let's face the world is about network marketing, this is why you would probably hand out a business card to your clients and ask for referrals. This is exactly what you need to get the referral so that you have a lead to sell something too. Weather it is a house or a car you are selling you need a buyer. The word of mouth is the best and stronges advertising you will ever find.

Get out there and find you 5 people to look into this product and watch how quickly your circumstances will turn. Build a team of people and you will reap the rewards.

Network marketing is about training people to duplicate what you do. Now are you ready to take a leap of faith and look into this opportunity? If you are serious we will help you get your sales, we will meet you half way....

Visit us www.mortgagefreefinancial.net

Career Opportunity www.mortgagefreefinancial.net/career-opportunity.html

Are you an agent yet?

2008-06-03T08:24:50Z

By now, virtually everyone on the internet knows something about the Money Merge Account Software. Unfortunately, only a few U First agents have figured out the most important part of building their U First business BIG. Some have accepted the challenge and some have been swayed by critics that this program does not work. Forget what they say and question by doing your own research. You want answers to your questions call me anytime 407 319-3369 Let's put the facts on paper not on what people say. Let's meet online and help you build your United First Financial Business.

So, please allow me to share this secret with you. This is a secret that I KNOW from personal experience works, and works well.

The more people you share this with, the more agents you will have, and the BIGGER your paychecks are going to be for the rest of your U First career, period! What's the secret? Build NOW!!! Do Not Wait. Do Not Delay. This is so simple even my 8 year old niece can help people with it. She was so excited she told her friends mom and guess what happened then. Mom signed up my sister made commission and she's not stopping now. One thought one belief one understanding and one conviction can make this big.

If you wait another month and a half before you get serious about your U First business, you are doing what 95% of all the other agents are doing; waiting until the going gets a little smoother, a little better. That's the exact wrong way to build it BIG. If you are not an agent an deal with people every day you should consider adding this product to your portfolio. WHY? Because it works and it's changing peoples lives.

So what if the going is a little tougher right now? Who cares? Do you think it was easy when we had no powerpoint to show people? Or no marketing materials? Or no websites?

Here's the secret as plain as I can tell you: the reason 3-5% of all agents will make the most money is because they were willing to work hard and focus when the other 95-97% of agents were waiting for it to get easier. Or waiting for "the next version", etc. I promise you, the longer you wait to get serious and work like crazy to build your empire, the longer it will take you and the more competition you will have, period.

NOW is the time to BUILD!!! NOW is the time to take ACTION!!!
Recruit as many agents as you can in the next 7 weeks. Make as many sales as you possibly can in the next 7 weeks. Why? Because someone already on the software by the end of June will have 110% more passion and conviction to go forward fast and hard than someone who's luke warm or non-existent. It's not rocket science, it's just plain truth.

If you try to call many of the true leaders in the company right now, you'll find that it's pretty hard to get time with them. Why? Because they're all working hard and fast to build their own Branches and Base Shops right now, when it counts the most.

If you are serious about becoming a Millionaire in record time, I promise you, for every 1 agent who you get on the software now, you will have at least 100 more agents on your team in the next 12 months. It works.

So please take my advice and get after it as fast and hard as you can right now!!!! You'll be be earning commission part time but most IMPORTANT you will help PEOPLE with their FINANCES.

You have been thinking about it long enough and this formula is simple to the point and it works. You will always get what you want if you would only help other people get what they want.

Visit us at www.mortgagefreefinancial.net

Interested in becoming an agent Click Here

Juan Tanon

407 319-3369

info@mortgagefreefinancial.net

Opportunity Seekers

2008-05-20T09:02:21Z

Dear: Agents

If you are looking for a way to increase the income you are currently earning. Look no further and work with our team. It's easy Fast, and Guaranteed to earn you additional income. If you have a passion to help people this is most definetly the right fit. Go to our website and find out if this lucrative business can be adapted into your current work (part-time) Full training available and the ability to train online....

Learn More

Why is no one knocking on my door?

2008-05-19T12:31:00Z

The poisoned mind of a poor lost soul!

Never having the proper training to do the right thing. No one to lift him, but behind his back they screamed you looser you looser. But decision making is a process which you must encounter many times a day. Filled with desperation and confusion he looked to fit in, turning to drugs and alcohol. Never satisfied because he felt left behind. Grew up knowing the streets alone, frustrated, angry, and wondering if one day he would enjoy the benefits of a better life. Ever wonder why some people are very successful and others just can't seem to get enough? This world can play a big part in your successes and failures because we live in it. Perhaps you have everything you have ever dreamed, but someone out there needs your work, your help, and most of all a lifting of their spirit by you sharing a few words of encouragement. Go out today and help people with a simple compliment tell them "You can do it" "You can do it" this simple deed can lift someone from a burden of disaster.

Building relationships-mentoring-and giving them hope and strenght....for a brighter tomorrow.

So you want to increase your income?

2008-05-19T11:40:20Z

I am searching for 200 more guaranteed success stories and yours could be one of them!

Learn a Turn-Key - Proven, Foolproof plan and start making at least $900 to $1,575 or even $5,000 a month or more! Let's cut the nonsense. I won't promise you 'riches over night'. I won't promise you ‘get rich quick'. I won't promise you "quick start to cash' without lifting a single finger. let's be honest, here. That's a lie, if you ask me.

We have an opportunity for select individuals, who have a passion for success. If you want professional guidance that's easy, proven and realistic, I will show you how to make extra income in 7 days. What would you do with an extra $900 to $1575 a month - now that is realistic ... even if you're just starting out and don't know a mouse from a rat! You can go on from there to make as much as you want.

I Need Only 200 More "Success Stories"!

As you know, there are plenty of "Get Rich Quick" schemes that end up costing you a fortune. Well not this time! You have absolutely nothing to lose. I am so confident in your success, that we will give you all the MENTORING FREE, With one of the nations top mentors. Yes that's right, we will train you completely FREE! Right now you are costing yourself a fortune by not taking action on a business that will generate money to supplement or potentially replace your current income. And as you know, get rich book & tape sets, infomercials and seminars are everywhere.

And, at the end of the day - when the hype dies and the dust settles - all you're left with is a bunch of hand-written notes, a pile of ideas and dreams... but still no cash, and you're not any closer to becoming successful and living your dreams. We will help you break the cycle.

I know you can make money. But mentoring and coaching are key elements to your success.

That's why I'm inviting you to be part of special success test group because I need you to succeed and do it quickly.

My staff and I will put all our considerable resources behind your efforts to insure your success. It's not you against the world. We're here to support you every step of the way.

Here Is My Simple Offer:

We will provide you with the same tools we use to promote our company.
Step-by-Step simple to follow script "Full Training" FREE
We will provide direct support from my full-time support team.

I can't wait to read your success story!

Juan Tanon
Career Opportunity Trainer
407 319-3369

info@mortgagefreefinancial.net

P.S. Why let us mentor you?

1. Personalized.
Coaching gives you training to help you achieve your financial goals. Through personal assessments, our Mentors will evaluate your situation and identify your strengths and weaknesses. After the initial evaluation, your mentor will then customize a plan specifically designed for your success! We will train you from the comfort of your own home.

2. On Your Time
With One on One Coaching you will have access to us, by phone, e-mail, and go to meetings on a daily basis. Mentoring gives you the flexibility to receive training that works with your schedule and from the comfort of your home or office.

3. Mentoring Works
We will help you master the skills you need to form lasting habits that lead to success. It is proven that talking one-on-one with a Mentor is an efficient way to learn. This process helps to create positive, useful practices that lead to achieving financial, professional and personal goals more quickly and effectively. <form enctype="application/x-www-form-urlencoded" action="_vti_bin/shtml.exe/career-opportunity.html" method="post" accept-charset="UNKNOWN">

From The Desk Of Juan Tanon
Career Opportunity Trainer

Subject: Why I NEED You to Make it in as little as 30 Days!

Dear Friend,

Let me ask you... Are you're trying to "make it"? If so, then you've probably already seen many offers to make you rich in no TIME. Your experience so far may be like a lot of others out there. For example...

Have you had enough of unproven moneymaking offers?
Are you tired of so-called "get-rich-quick" claims that require months of hard work, a ton of risk and loads of cash, but amount to little in return?
Are you wary of systems that promise success but don't tell you how long it'll take to make it (or worse yet, fall short on their promises of making it fast)?

Well, there are many people making "real" money some make it "real" fast (and without the hyper, promise-filled, insincere, wacky and often deceptive claims)... If you are committed to learning and follow or easy-to-implement system you will have success. Remember you are not alone, your success is our goal.

No bull. No fluff. No experience necessary.

If you're like most of the folks who visit my site, it's safe to say you're trying to make money, or at least thinking about this great opportunity to work from home.

By Being Accepted Into Our Success Group,
You Will Learn How To...

	Replace your income by only working part time.
	Use a proven system to help people with their finances.
	Drive people to help you build your business.
	Save time by avoiding trial and error and get maximized results using proven techniques.
	Market and sell this exclusive program to family, friends, clients, and strangers.
	Access the same sources in delivering powerful messages to your potential clients.
	Create "Unlimited Wealth" if you work with our mentors.
	Get referrals that are qualified.
	Start a rewarding business that gives you more free-time and more control over your life.
	Work from home - workin only when you want, working smarter vs. harder, and workin less to earn more.

If we can develop, mentor, and train you "FREE" Would there be any reason why you could not do the same for someone else?

We have spent years researching and working with companies that would create fruitful returns. Our results have been tremendous. It's amazing what people can achieve when they are educated and provided intelligent tools to sell products over the internet and from home. We have helped thousands of people, now we are giving you the ability to take your dreams and turn them into reality.

We strive to make the road to financial independence meaningful, rewarding and enjoyable. We expect joy in the journey and passion in the process. The acquisition of wealth must be a means to personal fulfillment.

If you're willing to take a little consistent action every week, we will show you exactly how to be as successful as you want to be.

On that note, if you are tired of THINKING about creating wealth in your life and are ready to start DOING something about it, take that first step toward true success.

By completing the form below accurately, we will be able to better assist you in your consultation. We only select those that are truly committed to take action and are willing to take a more aggressive approach. We will mentor, train you and help you every step of the way but you must meet us halfway....

Opportunity is knocking. Will you answer?

mentor your way to millions

2008-05-18T11:02:06Z

Benjamin Franklin once said if you empty your purse into your mind, your mind will fill your purse back with Gold. I truly beleive that, because I am living proof of it.

Back in 1998, I learned that formal education gets you a job, and self education gets you rich. In 1998, I was making $10.15 an hour with no college degree and was 27 years old living at home. I began my journey on self education with my first mentor named Napoleon Hill "Think and Grow Rich" and he taught me to work on myself harder than on my job. I didn't understand that in the beginning, but as the years went by I started noticing my income go up. Today with no college education, I am making 100 times fold the money I used to make and work half the time. All because of Self education.

Through the years I have invested thousands and thousands of dollars in self development books, audio CDs, and mentors. I promote this industry like there is no tomorrow because of what it has done to me. I have had the priviledge of working with some great people over the years, and have heard the voices of some great life movers in the world. Inspirational stories that have made my mind stronger and ready to take on any challenge.

See anything in life will become easy if your mind is trained to think the right way. There is a quote that says: In times of change the learners will inherit the earth, while the learned find themselves beautifully equipped to handle a world that not longer exists. In other words if people stop learning they stop growing. In life we are always seeing changes, we change, things change, there are new ideas and always something new to learn. I challenge you today when someone brings you an idea be open and look before you judge. They say don't judge a book by it's cover. Give all people the benefit of the doubt and perhaps what they bring can be the financial break you've been waiting for.

Keep your eyes open don't loose focus and for lack of self discipline stop learning about what may be the next opportunity for success.

Juan....
www.mortgagefreefinancial.net

www.u1sfinancial.net/giftoflife

info@mortgagefreefinancial.net

407 319-3339

Career Opportunity

The Money Merge Account

2008-05-17T19:06:03Z

When you want to do research on the money merge account, most people are going to go straight for the internet. Information at your fingertips. The downside of the internet is it's protection of liars. That's why you have to do your work, ask your questions, and make the decision on your own (other peoples opinions might not be worth a dime-including this one!). The first two pages on google can give you a headache!

There is so much information to sift through, let's face it un educated post like the one below can really make you wonder. This one comes from a very good site with great many professionals, so I started reading, very hopeful. The initial questions was made by a good member of the site, so I concluded it was not a ‘plant' (someone who joins to post, then leaves). However, the very first response was pushed as credible, and it wasn't:
"It has been discussed. The best response I read was by member Steve Sushner, who happens to be an attorney. This is what he said:

I reviewed this product for the first time last week. Frankly I am disgusted by it. It does NOT save any money, it merely moves debt from one location to another and in fact will cost most clients more money than it will save them (even if there was no $3500 fee and even if we forget the tax implications). The debt on the ALOC is almost entirely ignored. Additionally the program fails drastically when you realize that most people are paid twice a month, not once and in arrears. Substantial savings is realized on this program by these two false presumptions.

I so dislike this program (and find it grossly unethical- I'm sure the class action lawsuit is around the corner) that I believe anyone who advertises it on brokeroutpost should be banned. Anyone else agree

The only reason anyone is able to sell it ever is that people get very overwhlemed by its complexity.

I challenge anyone selling it to run it by a licensed CPA and see if he would purchase it (even for free).

BTW, has anyone selling this ever noticed that the program CAN'T work on an interest only mortgage EVER."

The first two things that went through my mind was 1) I work with Lawyers all the day long. They study the law-but that does not make them good business people. Lawyers do not take risks-they are the most neutral profession in the world, making money by playing both sides of the field. 2) I met two certified CPAs last night at the meeting I went two-both on the program, and one of them selling the Money Merge now.

I went over my notes from last night and started doing some figures. My own conclusion was that this "lawyer" was not the brightest bulb in the box. If you asked ANY banker how you can pay down your own mortgage faster, they would tell you to apply more money to principle. That's what this does. It directly affects the interest which can be charged and you CAN accelerate the payoff. So, where did "It does NOT save any money, it merely moves debt from one location to another and in fact will cost most clients more money than it will save them (even if there was no $3500 fee and even if we forget the tax implications)." come from?
The debt in the HELOC was not ignored by the program, it was focused on first! My mind raced, and I simply could not see how a company, seeking to get people out of debt, with a proven track record, would be "unethical". The last point that stuck out, was the example they gave in the general meeting I went to: a mortgage broker started laughing, and asked if he was correct in noticing that this would pay off an interest only mortgage like the program had steroids on it?

Then they showed us how it would work. Case in point: that lawyer is an idiot, using his profession to sway the readers. Lawyer words used to sway people who simply don't use their own minds.

I moved on down the board...

The first advocate was strong, and again-not a plan (he had over 125 posts in other boards). He/she said:
"The Money Merge Account is a good tool. We have a few of the best CPA's in CT on board with the company who are offering this program to their clients. People always talk about the tax advantages you lose when you pay your home off. You simply buy another house and create more wealth while keeping the tax advantages. If you can own 3 homes free and clean within 30 years, is there something wrong with that? It works with bi-weekly pay and with Interest Only mortgages. Don't listen to every Attorney. UFF has their own legal advocates."

So we had for and against, and if you go through and read the whole board, you can even watch a few people become converted. However, as you go through the posts (I won't quote them all), some very good questions came up:

1.) The rate on a HELOC is generally higher than the rate on your home-why would you take money from a higher rate to pay down a lower rate?

This is a very good question and one that is asked very often. The money merge account software program calculates all of the variables to effectively help you pay your mortgage faster. More over the heloc will cost you less money in interest because it is an open ended loan. This is one of the most important principles to understand and in my opinion one which people do not quite understand, not until they sit down with a qualified professional so that they can see how it work with their own eyes.

Suppose that you have a line of credit of $20,000 @10% and you borrow $5,000 we know that the bank will now charge you interest on the $5,000 you borrowed right? So we now take $5,000 x 10%=$500.00 and divide it by 12 months which equals to $41.67 in interest charges.
You just borrowed $5,000 for $42.67 in interest charges But wait! Suppose you pay back $4,000 by the end of the billing cycle.
The bank can only charge you on the average daily balance, therefore you will be able to impact how much interest is paid to borrow that money. In other words you have just floated $4,000 and not paid a penny in interest for using it. FRIENDS this is just like American Express use it now pay it off by the end of the billing cycle and pay no interest.
But what about the $1,000 balance I owe. This is the exciting question. How much interest are you currently earning with your checking and savings account? Let's change the way we do our banking behaviors so that we can let our money work for us 24/7. You will simply deposit your income into the line of credit which will keep your HELOC balance low and the software will tell you when to send different amounts of money to your primary mortgage. This is not magic this is called leveraging your money and the money merge account from United First Financial does exactly what it guarantees.

Take a step into our world let us show you a FREE no obligation presentation. Sleep on it take notes ask questions, but the only way to make an educated guess is to be educated on the latest and newest technology available to us TODAY.

When the Remote for your TV was invented you started to use one, although there are a few stragglers still getting up to change the channel. Don't get left behind we can educate you and answer any questions. Then we give you a guarantee!

We at mortgagefreefinancial.net are interested in helping you make the right choice.

Thank You, and God Bless You

Juan Tanon

407 319-3369

info@mortgagefreefinancial.net

www.mortgagefreefinancial.net

www.u1stfinancial.net/giftoflife

Is this your American Dream

2008-05-16T21:07:50Z

Ultimately, we would all love to be debt free and live the American Dream. But WHAT IS THE AMERICAN DREAM?

The Goal:

According to a study by Parade Magazine, the traditional American Dream is based on the belief that hardworking citizens can better their lives, pay their monthly bills without worry, give their children a start to an even better life and still save enough to live comfortably after they retire. But many average Americans are struggling-squeezed by rising costs, declining wages, credit-card debt and diminished benefits, with little left over to save for retirement.

The average citizen understands that home ownership is one of the most important aspects in attaining the American Dream within our society. By owning a home you can increase your net worth. This will come through equity build up and the value of your home increasing over time (appreciation). However, in association with home ownership also comes the largest debt most of us will ever incur and that is our mortgage. We will spend most of our time and most of our income just paying interest. Truth is until we have completely paid off our mortgage we are really just renting our home from the bank. The bank is our land lord and we are the tenants. Unfortunately, the majority of us will never own our home free and clear.

Why? We have been conditioned by the banking industry and the big credit card companies to believe that being in debt is ok. That's because they make an enormous amount of money in interest payments from the loans they give us. It is a very profitable business. They often display "refinance now while rates are low" advertisements to entice us to lower our interest rate and subsequently lower monthly payment. But they know by refinancing, we are starting our mortgage clock all over again. Although we applaud the banks for giving us the loan or means to get our house, we chastise them for not offering us an alternative method for paying off our mortgage and getting out of debt faster.

The Problem:

What prevents most Americans from reaching financial freedom and achieving the American Dream? The answer is DEBT. And for the millions of homeowners across the nation the largest debt we have is our mortgage. So WHAT IS DEBT?

Debt can be defined as an amount owed to a person or organization for funds borrowed. Debt can be represented by a loan note, bond, mortgage or other form stating repayment terms and, if applicable, interest requirements. These different forms all imply intent to pay back an amount owed by a specific date, which is set forth in the repayment terms.

Have you ever wondered what would your life be like without a mortgage payment? How about life without any debt? Just for a minute try to imagine what it would be like to NOT owe anything to anyone. Compare that to the average American family that is spending more than 36.7% of their gross income towards debt. This high debt-to-income ratio has led to a negative 1.1% savings rate and increasing credit defaults and bankruptcies.

The Solution:

What if you discovered a way to eliminate your largest debt fast? Would that interest you? Well now there is a way to pay off your existing mortgage and build equity faster than ever.

Introducing the Money Merge Account ^TM homeowners across the nation are on their way to a debt-free lifestyle in less time than they ever imagined. These homeowners are on their way to quickly and completely owning their home free and clear by utilizing existing banking tools to pay off their mortgage.

The average Money Merge Account ^TM customer will pay off their mortgage in as little as 1/2 to 1/3 the time-with little change to their day-to-day spending habits and without increasing their monthly mortgage payments.

The Money Merge Account ^TM highlights:

All activity and transactions fully controlled by you
24 hour secure online access
No monthly service charges
No contractual obligation
Includes lifetime customer support
Can be transferred to other mortgages you have like rentals and investment properties.
Money Back Guarantee

If you are tired of giving your hard earned money away month after month and year after year then please take a few minutes of your time to review our site and complete a FREE Money Merge Account ^TM analysis! Put us to the test and let us show you how this program will place your on the road to financial freedom!

Simple online meeting can help us know if you qualify and teach you the details of this program. We are trained professionals here to help you. The bottom line we don't want to sell you anything we just want to help you make the right choice. Take the challenge and I am sure you'll want to help others as well..Guaranteed.

The mortgage free financial team

407 319-3369

info@mortgagefreefinancial.net

www.mortgagefreefinancial.net

www.u1stfinancial.net/giftoflife

Career-Opportunity Available

So how do you save money?

2008-05-16T11:01:01Z

Got a mortgage pay-off plan?

My friend recently introduced me to his business partner. He wanted to know what I did for a living. I love this question, an open door to briefly introduce my self, my views, and what type of service I provide to people from all walks of life. The majority of people would say "I am a banker, or I am a lawyer" Then the person inquiring about what you do, would nod their head as if they understand what you really do. I learned that in order to advertise your line of work and create a need, you must make it fun! Why? Because we are so conditioned with general knowledge, and if you say " I am a banker" Most people would understand it to be that you work in a bank and you deal with money. Create an interest in what you do with powerful statements. I tell people, I give people money and have fun doing it! Most people would be interested or out to be interested in learning more right? What do you mean you give people money and have fun doing it? They asked the question and in my business gaining a client from word of mouth is like gaining ten more. People and money if I could teach this person my program he will be able to share it with someone else. This is a WIN WIN when you have something that really works. But first we must be able to set an appointment. If I can't get a commitment to an appointment then I have to be a little more open with them. In this case I do a 1 minute presentation for them. Then I set the appointment. Still can't get a commitment I give them my website adress and tell them to call me if the service of giving people money and having fun would work for them. Now I stay in touch don't wait for the call! they will never call you.

Now that I have thier attention, I got the appointment. I stop talking about it.

I am ready for battle when my appointment is set, because I have all my tools with me. Now we can talk about all I do, and how I do it. I teach them how to pay off their mortgage faster! without refinancing their current mortgage. It's simple and it works!

Simply put, you're home is your biggest investment and should be treated with the best and utmost planning! A great Mortgage Planner and or Consultant does not just look at it as another mortgage closed. Its a new or existing client that has consulted with a pro to make sure the mortgage is not detrimental to their financial standing.

There is a high level of stress that accompanies the burden of learning someday that your loan officer did not give you the proper advise on the best mortgage for your needs and goals. Example: Can you image one day learning that you had an adjustable rate mortgage, that you thought was fixed for 30 years, now came due and now jumped up to an amazing rate that now made your home a debt that you could no longer afford! What would you tell the kids, the wife or worse yourself?

we do the pros and cons and show them a better way! with no out of pocket cost... That's why we can help people save money. When they understand the program they get what we like to call the AHA effect. So I give them money and have fun doing it...

Don't stop planning, Let us help you see a different way...

http://www.mortgagefreefinancial.net

Get a free analysis!

Career-opportunity http://www.mortgagefreefinancial.net/career-opportunity.html

Help people get what they want

2008-05-16T09:28:53Z

2008 will be a six-figure income year for you... if you're willing to follow directions, be coachable, have fun and follow our proven sales process that virtually guarantees your success. We are looking for individuals who want to make diference in their own lives, by helping people get what they want. Our training program is working across the country and we'll take on just a few motivated individuals to market this program. Income potential is unlimited and is virtually guaranteed to increase if you follow this proven system. Full mentoring and coaching is one of the keys for success, any individual that decides to join our team will be trained for success. Take a look at this amazing opportunity.

http://www.mortgagefreefinancial.net/career-opportunity.html

info@mortgagefreefinancial.net

Mortgagefreefinancial Team

407 319-3369

Ways we can help you save money

2008-05-05T13:17:54Z

Money Merge Account: Different Ways it can help Different People with different goals

There are so many options this program is offers a wide variety of homeowners. I remember back in the early 90's, I would take up an interest free credit card for six months to a year just to save interest on other balances. Simply I would transfer my balance and adjust my interest immediately. Therefore any payments I made to my 0% interest credit card would all go to the principal payment. Have you ever done this? This is the power of impact but it only happens when individuals put their money to work for them.

The money merge account simply uses the approach of helping homeowners save money on interest. It is wise to understand that some of us go to college and either attend 4 years 8 years or even 12 years. We do this to get an education and earn a better living. So for those of you who can take an extra few minutes and really understand the concept of the money merge account you are on the right track. Money is hard to come by these days but when was the last time you and friends sat down and discussed how much interest is going out toward your mortgage payment.

You don't have to be a college graduate to understand money and the money merge account. This is why we have put together educational information so that you have the opportunity to make the right decision. I know it sounds too good to be true! I thought the same thing too. But I questioned the program and put it to the test, and it simply works, in fact I am now more conscious about where my money is than I used to be.

The money merge account program can help you with in so many ways. It's your money and your future; shouldn't you be the one on the driver's seat? Merge is a way to put things together; your money can not think for it self. Put the money merge account to the test, after all the education is free, the analysis is free, the support is free, and you will potentially save thousands of dollars in future interest payments.

In fact many clients take advantage of becoming an agent and earning a lucrative commission by sharing this product and knowledge with their friends and families. Let's think of this for a minute. If you went out to a restaurant and had great service would you tell your friends about it? Probably YES. What if the service was not the best? YES. Well the money merge account works in the same way. Clients who are seeing the benefits are letting their friends and neighbors know about this program. One client I met signed up 12 people in 3 weeks, not hard to do when you are excited about saving money. Just get a Free Analysis then when you start using the money merge account program you can do the same. That person earned over 10,000.00 in 3 weeks.

Join our team click here

For Further Information: http://www.mortgagefreefinancial.net/

The beauty of the Money Merge Account is that it can benefit different people in different ways. Choose an option below to see how the Money Merge Account can help with different needs and situations.

Different needs with which the MMA can help you
Repaying your mortgage early
Reducing monthly payments/consolidating other debts
Funding a major purchase (new car, holiday home, boat etc.)
Buying a second property
Planning for school fees or university
Coping with short-term ill health, unemployment, redundancy or moving jobs
Planning for maternity
Short-term spending e.g. holiday, Christmas
Making the most of an inheritance, windfall, large bonus, or maturing investments
Funding home improvements

Additional situations with which the MMA can assist you
Self-employed
Young professionals
Young couple - first time buyers
Couple moving up the property ladder
Commission-based incomes
Irregular income
Older couple - children left home

Repaying your mortgage early
When repaying a mortgage, it's not the rate you pay that's most important. What matters is the total amount of interest you pay over the term of your loan. With the Money Merge Account, you use your income and savings to reduce your loan balance and minimize your interest payments. This means more of your money goes towards your principal balance each month, helping you repay your mortgage years earlier and save thousands of dollars in interest.

Reducing monthly payments/consolidating other debts
The Money Merge Account is much more than just an accelerated mortgage payment option. Other debts (e.g. credit card balances, personal loans, overdrafts etc.) can be transferred to the Money Merge Account - which means you benefit from paying less interest on all your debts instead of expensive, unsecured rates. The reduction on your minimum monthly payments can be significant.

And if you're concerned about rolling all your debts into one big balance, don't be. You'll be able to break your debts into individual repayment plans. So you can have a plan for your mortgage, a plan for your credit card balance, and a plan for your loan. We'll help you budget to pay off what you want when you want, and you'll be able to see each element of your debt falling month-by-month in line with your plans.

Funding a major purchase (new car, holiday home, boat etc.)
The Money Merge Account can help in a number of ways - depending on whether you want to build a lump sum of equity to fund a purchase, borrow the money, or do a little of both.

Building a lump sum
many mortgage programs on the market give you the chance to overpay your mortgage each month. But if you're looking to save for a major purchase (e.g. a holiday home, a car or a boat) at the same time, you haven't got the flexibility to do so. The Money Merge Account lets you have your cake and eat it too. It allows you to put money aside each month for the purchase and use this money to reduce your balance while you build up the lump sum.

With the Money Merge Account, you'll be able to set up a savings plan just for this. That way, the savings part of your balance can be seen separately from the rest of your Money Merge Account balance, and you can budget to build up the lump sum by the date you want.

Borrowing at a mortgage-style rate
traditionally, if you haven't got enough saved for a major purchase like a new car, your only option is to borrow the money. This usually means taking out an auto loan or using a credit card, all at much higher interest rates than you pay on your mortgage. The Money Merge Account is a much cheaper way to pay, because everything is paid back at a very low mortgage-style interest rate.

And you can set up a separate loan plan just for this. That way you can focus on paying this part of your Money Merge Account balance off as quickly or as slowly as you want, and you can check your overall plan whenever you like.

Buying a second property
because the Money Merge Account is secured against your home, you can usually spend up to 100% of the property value. So if you'd like to use the equity in your home to buy a second property, it's ideal! You can borrow at a very low mortgage-style interest rate while retaining the flexibility to pay back how and when you like. Many lenders will charge a higher interest rate simply because the money is for a second property, but with the Money Merge Account, you can pay a much lower amount of interest than traditional investment style interest rates.

And you can set up a separate payment plan just for this. That way you can focus on paying this part of your Money Merge Account balance off as quickly or as slowly as you want - and check your overall plan whenever you like.

Planning for school fees or university
if you have young children, chances are you'll need to either save or borrow enough money to get the children through school and university. The Money Merge Account can help in both instances.

Building a lump sum
if you're looking to put money aside each month for the future, then one of the best places for this is the Money Merge Account. In this way, the money can reduce your interest charges on a day-to-day basis, and you can simply draw on it when the time comes.

With the Money Merge Account, you'll be able to set up a savings plan just for this. In fact, the savings part of your balance can be seen separately from the rest of your Money Merge Account balance, and you can budget to build up the lump sum by the date you want.

Borrowing at a mortgage-style rate
alternately, if you need to borrow the money, the Money Merge Account allows you to release the equity in your house at a low mortgage-style interest rate and with the least amount of hassle.

You can even set up a separate borrowing plan just for this purpose! The great thing about the Money Merge Account is that it gives you the flexibility to do what you like with your money. In many ways, you don't really have to think about whether you are borrowing or saving, because when you've got money, it can go in the Money Merge Account to reduce your balance. And when you need money, you can simply draw it out of the account.

Coping with short-term ill health, unemployment, or job transferring
the flexibility of the Money Merge Account works both ways. It's not just a vehicle to quickly repay your mortgage. When money's tight (e.g. if one income disappears temporarily as a result of illness or loss in job), then the Money Merge Account enables you to use your increased equity build up to pay for the daily or monthly costs you incur until you are able to get back on your feet financially. This way, you know you'll get back on track, no matter what may come. We've got a dedicated team of account managers on hand to talk through your options. You'll also be able to use our online service to run a tight budget. It will let you analyze where your money's going, plan your entire spending for the month, and work out what you'll have left over, as well as set longer term plans for repaying your loans.

The key thing is that the Money Merge Account gives you the financial flexibility you need to adjust to changes in your lifestyle - in a way that's right for you - without having to worry unnecessarily about unknown consequences.

Planning for maternity
The flexibility of the Money Merge Account can be used to cushion the financial impact of a newborn baby. If one of you wants to take time off work, then there are a number of options available, from reducing your overall payment commitments for a time to providing the additional money needed for those unforeseen expenses.

If you need to run a tighter budget, we can help you. Our online service will let you plan your entire spending for the month and work out what you'll have left over, even down to the penny if you want. You'll also be able to analyze where your money's going, so you can see at a glance where you can cut your spending. We can also help you set longer term plans for repaying your loans, taking into consideration the peaks and troughs of your income and expenditure over the coming years.

The key thing is that the Money Merge Account gives you the financial flexibility you need to adjust to changes in your lifestyle - in a way that's right for you - without having to worry unnecessarily about unknown consequences.

Short-term spending e.g. holiday, Christmas
Most of us are used to getting out the credit cards when it comes to the more expensive periods of the year, such as booking the summer holiday or buying presents at Christmas. The Money Merge Account can take the stress out of these things, allowing you to reduce your repayment commitments for a time and make them up at a later date. Instead of hiking up your credit card balance, you can simply spend a little more of your monthly income, leave a little less in the Money Merge Account, and then just get back on track as you go.

This means you're no longer tied to the usual 'receiving income/spending income' monthly cycle - you have the flexibility to cope with the peak spending periods of the year without the interest and expense that normally comes with them.

Making the most of an inheritance, windfall, large bonus, or maturing investments
The Money Merge Account offers a better home for lump sums than any conventional deposit account. By depositing them straight into the Money Merge Account, you reduce your loan balance, so you pay less interest. The interest you save by doing this is more than the interest you could earn in any other savings account. And because its interest saved rather than interest earned, there's no tax to pay.

And the great thing is that the Money Merge Account comes with checks and a debit card as well, so you've got instant access to this money. You'll have a checkbook, debit card, telephone, and internet access all at your fingertips. There are no notice periods; you can simply draw on your money whenever you like and for whatever you want.

Funding home improvements
if you're looking to build that extension, then using the equity in your home could be the most cost-efficient way of funding it. Because the Money Merge Account is secured to your home you can usually spend up to 100% of the property value and pay below market interest, so no more expensive personal loans or finance agreements.

Self-employed
we recognize that being self-employed means you need something extra when it comes to managing your money. That's why the Money Merge Account offers you...

The chance to save thousands on your loan
With the Money Merge Account, you are able to pay less interest on all your loans, thus slashing your monthly interest bill and putting an end to expensive loans and credit cards. In addition, your income works to reduce your loan balance on a day-to-day basis, so any money left unspent in your account continues to save you interest over the lifetime of the account. These savings run easily into thousands.

Greater flexibility
The Money Merge Account is much more than just an interest saving tool. You can manage your payments in line with your cash flow, all without penalties or charges. Pay more one month, pay less the next! It's entirely up to you.

More control
With online access and complete telephone access, you can manage your money how and when you want. You'll have one balance showing you exactly where you stand and how far ahead you are of schedule. You can break down your Money Merge Account any way you like, and you'll be able to plan your short-term and long-term spending in great detail.

The perfect home for your tax money
The fact that you're using money in the Money Merge Account to reduce your balance and save interest, rather than earn it, means you don't pay tax on it. This makes the Money Merge Account the perfect place to put aside some money for the taxman. And when the time comes to pay the tax bill, you just write a check to cover it. This way, your money is working for you from the day it comes in to the day it goes out.

Young professionals
if you're just starting out in your professional career, chances are you'll need a flexible solution for your finances. You can benefit from the flexibility of the Money Merge Account in the early years of your professional life because you're not tied to high traditional interest options. This gives you the freedom to cater for the ups and downs in your spending. And as soon as your salary increases and you start to earn bonuses, you can use your surplus income to reduce your balances and save even more interest. The flexibility of the Money Merge Account means that you can also use your equity for the bigger purchases like a new car or a dream holiday, rather than having to take out more expensive loans.

Young couple - first time buyers
The Money Merge Account is designed to meet your financial requirements as you go through life. It can help fund a wedding, a new car, or a holiday, as well as allow you the flexibility to deal with the financial impact of having a child. You can use the Money Merge Account to overpay on your mortgage, thus building up equity in your home, which will mean a higher deposit when moving to a bigger house in the future. If you can overpay your mortgage from the outset, you will save the maximum amount of interest in the long-term. You can spend up to 100% of your increased equity to furnish your new home and cover other expenses. And if your home needs improving, the Money Merge Account can be used to fund home improvements further down the line.

Couple moving up the property ladder amidst other life expenditures
The Money Merge Account can help you accelerate your rise up the property ladder. It allows you to use your income and savings to reduce your balance and build up equity in your home, so you can move to a bigger property sooner. And if you move, the Money Merge Account can move with you. If you have children, the Money Merge Account also offers you greater flexibility in dealing with the extra financial strain of raising them. It can be used to put money aside for school/university fees - so you get the benefit of this money working to reduce your balances and save you interest. And you can use the accelerated equity in the property to put your children through school even while covering any other expenses. And you retain the same flexibility in terms of repayment.

Commission-based income
The Money Merge Account gives you the flexibility to manage your finances in line with your cash flow. So when you have more income, you can deposit more and save more interest. When you have less income, you can deposit less. You're no longer tied to the usual 'receiving income/spending income' monthly cycle; instead, you have the flexibility to cope with receiving a low annual income and high sporadic commission amounts, even having that money available anytime you need it. And it saves you interest all the while!

Irregular income
The Money Merge Account works particularly well if you're paid a small salary but receive large sums in the form of bonuses or dividends during or at the end of the year. You can manage the Money Merge Account in line with your cash flow. You've also got the flexibility to deposit more when money's available and less when money's tight. Any lump sums can also work harder in the Money Merge Account, reducing your balance and saving you interest.

Older couple - children left home
The Money Merge Account allows you to use any surplus income you have to accelerate the repayment of your mortgage. If you have any investments - e.g. endowments, etc. - these can also be put into the account when they mature to reduce your mortgage balance and save you even more interest. You can also use the equity in your house to fund that holiday or luxury you've always promised yourself. Your money is there until you need it, but it reduces your loan balance and saves you interest in the meantime.

Join our team and promote this program it can only save you on one hand and make you rich on the other.

Visit us at: www.mortgagefreefinancial.net/career-opportunities.html

Juan Tanon

info@mortgagefreefinancial.net

407 319-3369