What do Ford Motor Company, Hershey Chocolate, Mary Kay Cosmetics, and Apple Computer have in common? They all started out as home based businesses. Over half of all businesses in the US today are based out of an owners home. Starting a top home based business has many challenges, and many rewards. Home based businesses and franchises are becoming  more common today, but beware.  Some, ” work from home “, opportunities can be schemes to get your money. You need to do your homework first. Check with your Better Business Bureau to see if a company is legit, and what kind of track record they have. Don’t always trust a Google search. You can always get unreliable information from people who post on Google. Look at your source of information. Can I trust it? Who are they? Good, honest companies won’t mind you nosing around for information on them or their products. In fact they will encourage you to do that. Check us out. We don’t have anything to hide. United First Financial, whom I am an agent for, does exactly that. They are happy to answer any questions, and invite people to do their due diligence, and examine them and their track record. If I wanted to look for a new doctor, I don’t think that I would trust a Google search to find a physician that I would want to place my families medical needs too. I would go to people who have used, or can recommend a reliable doctor that they have some knowledge of.  Would you want to be going into surgery with a doctor that you found on Google? The same is true of a home based business. Find some people who know about the company and have used it’s product. When someone has used, or is using the product, that is the best resource you can find. The Better Business Bureau has been a reputable source of information for businesses for many years. They keep records of any complaints, and if those complaints were addressed and closed, and how long it took them to settle any issue a client may have had using their product. What kind of interaction does a company have with it’s agents after they are operating and promoting their home based business? Does the company say, ” thanks for jumping on board. Your on your own now.” A good company will have checks and balances to help you get started on the right foot, and a good base for training and help with any problems that you may have. After all, you are representing them. Many companies are choosing to franchise out into home based businesses, because it gives them a lower overhead. It’s cheaper for them and it allows them to give a little bit bigger piece of the pie to you.

Turn your home into your business

It helps you because you can set up your hours of work. For the mother who has children, she sends them off to school, then goes back to her home to work. She can make appointments with clients that will benefit her needs and work around her schedule, and also the clients needs as well. For the young hard working single person, they can go at it all day and all night if they want. As much as you put in, will be as much as you take out. Want a little extra cash each month as a part time job, or work your heart out and build an empire that will yield a very handsome paycheck each month? It’s really up to you. A home based business gives you all these opportunities. With the world economy the way it is, I think home based business will comprise a very large portion of how we do business in the future. We are there now. I urge you. If you are laid off. If you are out of work or need some extra income each month. Look into a home based business. Look at what your needs are. Check out and study what kind of businesses are out there. Make some calls and talk to people who will help you and guide you into something that can be very beneficial for you and your families needs.

Remember these

New iphone

Who would have thought, just ten years ago, that we would have cell phones that can take videos and use the internet? How about Mary Kay? With three children to raise, and a motto for her new company of God first, family second, and career third, she grew a home based business into a multi- billion dollar company. Read her story. It is amazing.

Mary Kay Ash

Apple computer. On April fool’s day, 1976, Steve Wozniak and Steve Jobs, both college drop outs,  released the Apple one computer. Started building computers in their garage in 1976. In 1995 the company has sales in excess of 11.5 billion dollars. Milton Hershey started out as an apprentice to a chocolate maker. He opened a factory in  Hershey, Pa. Today 80 million Hershey Kisses are made every day, and the company has net sales of 4 billion dollars a year.

80 million Hershey Kisses are made each day.

Then there is Ford Motor company. A company that I worked at for thirty five years. Started in a small shop, the company is the third largest producers of automobiles in the world.

Henry Ford's first shop

The way companies do business is changing, and we need to change as well. The days of working nine to five jobs, might not be as plentiful as it once was. Considering a home based business? Consider the Money Merge Account program from United First Financial. Get yourself back on the financial track. Get out of debt? Yes you can! In a fraction of the time it would take you, without refinancing, and without changing any of your payments. Discover what the Money Merge Acount program can do for you, and what a great home based business with a reputable company it is. Because of the growing usage of the internet, internet marking has been another growing home based business. All you need is a computer, the internet, and you can start learning MLM secrets that can build you a very nice stream of income from your home office. Good luck and I hope you find the right home based business that fits your needs, and helps you prosper financially.

Most of us have been raised to think that we will always be strapped with a mortgage. After all, that is the American dream, isn’t it? To have a home that you can call your own. Raise a family in your own home, on the corner, with the white picket fence. Dog running in the yard. Sounds beautiful doesn’t it?  Close your eyes, and you can just picture that scene on a warm summers day. But in reality, you don’t own your home until you pay it off. Until then, the bank owns your home.

Unfortunately that is not the case in our society today. I don’t know if you have noticed but people are losing their homes at a very rapid rate.  2.3 million homes received foreclosure filings in 2008. That’s up a whopping 81% from 2007. More children are moving back with their parents. Grand parents are staying at home, so they can help raise their grand kids. It is not a very pleasant scene.

Seeing a lot more of these around.

What is happening to the American dream? Are we ever going to see that dream fulfilled? Can you ever own your home free and clear?Remember, you don’t own your home until it is paid off. Until then, the bank owns your home, and you pay them interest, and lots of it.

On a 200,000 dollar mortgage at a 6% interest rate, for thirty years, you will end up paying the bank more than two and a half times what that home is worth. That’s why it will take you thirty years to pay your mortgage off. The loan is set up, so that all the interest is paid up front, where the bank can take their money out first before you ever really start paying on the principal. As a matter of  fact, on this particular loan, they won’t even get to the half way mark on their amortization schedule, until year twenty one. Think about this now. Twenty one years of your life,  paying the bank more then 300,000 dollars, of your hard earned money, and it has taken you twenty one years to get to the halfway mark on your thirty year mortgage. You will still owe them 100,000 dollars. The original mortgage loan was for 200,000 dollars. Twenty one years of your life, and more then 300,000 dollars of your money, before you get to the halfway point on your mortgage. How does that make you feel? Cheated? Used? I can see those banks making some money, but twenty one years, and I’m still looking at a balance of  just under 100,000 dollars, that you still owe the bank.

And think, they were the ones who got bailout money from the government! You and me should have got the bailout money. But don’t get me started on this one. That is a whole another story.

Are we polishing the handles of a sinking ship?

Titanic. They said it couldn't sink.

Bailout?

I know what you could do! Refinance, and start the whole process all over again. Say you could get out about 50,000 dollars in equity from your home. What could you do with that money?

But wait a minute! The bank is saying that your home isn’t worth what it was when you purchased it. But maybe you could get some money, and you could start that whole process all over again from ground zero. Start paying the bank all that interest, again! They will love you for it. They will be more than willing to write you up to another long thirty year mortgage. Paying them all that interest again. They just got all that money from the government bailout plan to help them do that.

Take a look at your own amortization schedule. You got one when you signed for that mortgage. Most people don’t know what it is and probably never even looked at it. That’s been my experience. Look at how much money, of your monthly payment, is going to interest.

Albert Einstein said, ” Compound interest is the eighth wonder of the world. Those who understand it, earn it. Those who don’t, pay it.” The banks certainly understand it, and they earn lots of it,  every day.

Let interest work for you, not the bank

Money never stops working. It doesn’t take a vacation. It works twenty four hours a day, seven days a week, and banks know this and use your money to their advantage all the time.  Banks use what they call sweep accounts. They sweep all of the money in your account and mine, at the close of the day. Invest our money, maybe for only ten to twelve hours, and then put it back for the start of the next business day. They make lots of money by using your money that way. Let me ask you a question?  Have they ever paid you a dime in interest for using your money? Yes they have. You get 2% on a saving account don’t you? You may even get something back on your checking account also. Come on now. Don’t get greedy. They do pay you, but what they pay you is a drop in the bucket for what they make off your money and mine. That’s what their in the business for anyway. To make money. And they know how to put your money to work for them.

Interest is apart of our every day life. We can either have it working for you or against you.

If only there was a program that could utilize the same processes that the bank uses to make money, and set it up for me, so that I could take advantage of those processes and pay my principal down quickly and thus eliminating all that interest.

Well, there is such a program. It is called the program from Money Merge Account United First Financial. There have been products that have come down through the years, that have drastically changed our lives forever. The Money Merge Account program is just such a program.

This is going way back, but the light bulb is one. Where would we be today without the light bulb.

Edison and the light bulb

How about cell phones. If you would have told me that I can use my cell phone for the Internet,  listen to music, and watch TV, I would have said you are crazy. Look at what we can do now.

Last year, 2008,  the Money Merge Account program won the Ernst and Young’s Entrepreneur of the year award for financial services from the Utah region.

United First Financial has a special edition of “Success Magazine” in February’s issue, devoted just to them.

The Financial community is discovering this new product, that is paying people’s debt off in a fraction of the time. Just think,….where would America be today, if  none of us had a mortgage payment? I know one thing. We wouldn’t have the financial crisis that we’re all going through right now and maybe prevent some of these loan foreclosures.

Quit paying the bank and become the bank. See how you can use the same strategy’s that the banks have used since the dawn of time, but use them to your advantage. Let your money start working for you, not the bank.

Get a free analysis of your finances today. See how soon before you could actually be totally debt free.  Money Merge Account program from United First Financial. What do you have to lose except a mortgage and some debt.

I sure like the sound of that word, “Mortgage Acceleration”. Wouldn’t we all like to be on that fast track to paying off our mortgage faster. I don’t mean just paying it off on time, I mean having in place a mortgage accelerator. A system that will pay off my mortgage faster.
There are a lot of systems and programs that have come out recently that show us how to pay off our mortgages early. Most people have thirty, even forty year mortgages. Unfortunately they owe more than their homes are worth.

There is one such system that I have seen that I believe no one can touch. It has been recognized by the financial community with awards and accolades that rises far above any of it’s counterparts. The company has an impeccable record and is solid from the the owners on down through all of it’s agents in the field. This company is United First Financial, and the program is the Money Merge Account program.

The Money Merge Account program simply works. There are thousands of people that are using it and can vouch for it’s performance, and hundreds of others that don’t have any mortgage today because of the Money Merge Account program. I am using it as well. I will be completely debt free in 6.5 years.

There have been glitches, not in the company or the program, but with the downturn in the economy and the housing market, the Money Merge Account program, as with all the others, have taken a hit.

But there are people who are out there that have a mortgage, and have the means to get into a mortgage elimination program, and want to know how to pay off your mortgage early, but have never heard of United First Financial or the Money Merge Account program. Right now they are doing their research for information on how they can have “no more mortgage”.

I have talked with a lot of U1st Agents that are giving up on their businesses because of the state of the economy. This is not the time to quit! This is the time to get started! This program is so much needed at this very troubling time in America today.

The first goal of everyone that joins U1st Financial is to get to branch manager as fast as you can. In order to get to branch manager you have to have 8000 points which are achieved through sales and a combination of other factors.

Now there are several ways to get to branch manager, but I would like to focus my attention on one.

The first one is the three foot rule. Talking to everybody the comes within three feet of you. That system works good if you are an a-type personality. This person has no fears and will go up and talk to anyone they meet. That works for only fifteen percent of the people because only fifteen percent of the population is a-type. The other 85% is where most people fall. Most network marketers use this way because it is what their up-line teaches them, and it’s the only way they know how.

The second one is spending huge amounts of money on marketing. That will only work for those who are way above you that are already established and are making a very good income from their experience and their group, and how can you duplicate that for your down line?

The third one, and the one that I think works the best for the other 85% of the people, is marketing through the internet. There are people right now that are out there, looking for a mortgage acceleration program, that can show them how to pay off their mortgage faster. They do their research online and many of them are looking at the Money Merge Account program right now ready to talk to someone and perform the transaction for the sale.

If you have tried the first option and it hasn’t really worked for you, and the second option is totally out of your league, let me encourage you to try the third one. Quit chasing your family and friends and start attracting people to you that have done their research and are ready to buy.

There is another way, the number one way that you can have those people, who are ready to buy the Money Merge Account program, calling you. Imagine no more cold calling and chasing leads, but having prospects call you. These marketing strategies are free, it won’t cost you anything.

With our fully branded attraction marketing system, learning MLM secrets, you won’t waste time with the tire kickers. Only those who are ready to do business.

If you are ready to give up, DON’T. Let me show you how to get you and the Money Merge Account program out in front of thousands of people who are looking for it right now.  I will personally call you and show you how to get to branch manager the fast way, through the internet.

Lets see.... if the propulsion is this....

America is in trouble. I guess you don’t need to be a rocket scientist to figure that out by now.

How do we get out of debt America? Well, the most simplest way of doing that is to spend less and make more. Cut down on your expenses and increase your income. There! That was easy. What’s all the fuss about?

What? You say your husband just got laid off. Your wife just lost that part time job that she had to help, your already struggling  income. Your daughter needs braces. The furnace just went out. I see what you mean.  Just about everything that could go wrong usually does when we least need them too. That’s Murphy’s law.

If we only had a system that would do all the figuring out for us. Tell me what to pay and when to pay it. Make room for the adjustments that come in life, and keep me on the right track to financial freedom. Yes to becoming debt free. If only there was a system to do all that and more. I could get out of debt. America, could get out of debt.

Just think where you would be right now if you didn’t have a mortgage. Just think where America would be right now, if we all didn’t have a mortgage. I mean, no more mortgage payments! Am I dreaming?

Most people would say that you are dreaming. Never could that happen in my lifetime.

What if I could tell you that there is such a system. Yes, there is such a sytem that could pay your existing mortgage off in one third to one half the time, then what your doing right now. What if you could pay your mortgage off in ten years, and save 50,000 dollars in interest. 50,000 dollars that you could put into your savings account, not the banks. Would that be something that would interest you?

United First Financial has brought  just such a system to the market. As a matter of fact, it has been here for about three years, and has won some very prestigious awards from the financial community.

First award;

1. Ernst and Young’s Entrepreneur of the Year Award, for 2008, for Financial services, for the Utah region.
2. Personal Real Estate Investor Magazine’s Editors Choice Award for 2008.
3. Success from Home magazine, February edition, the whole edition dedicated to the Money Merge Account system from United First Financial.
4. On the cover of Brooker Banker, Mortgage Planner, and True Wealth magazines.

Want to see more? Click on the picture below for a short video video.

These are all leading publications, where people look to find out the new and cutting edge to get the jump and lead the way for these industries, and what is happening is that a new way of leading people out of the debt trap has come to the surface. An award winning system, that many are trying to imitate, but can’t duplicate the results, that the Money Merge Account system can. The experts in the financial community can see this, how about you?

Let us take a closer look at this Money Merge Account system, and see why did it get so many awards?

Do you have a GPS system on your car? It tells you how to get from point a, to point b, the fastest way. But, what if there is a road block ahead, or you make a wrong turn? Now what do you do? Well, it reroutes you. It calculates your information into the system and comes up with a new route that will get you to your destination. You got off course, and it put you right back on.

That is exactly what the Money Merge Account system does. It goes through  about a hundred pages of math algorithms, every time you make a financial move. It guides you through the maze and brings you to your final destination, which is zero debt. You don’t have to decipher which way to go, it does it for you.

Can you do this?

With the Money Merge Account system, there is no need to refinance, and your payments don’t change. You pays your bills every month like you always do. There is very little to no change to your every day life.

Your financial map is right before your eyes, twenty four hours a day, seven days a week. Your furnace goes out, you want to buy that big screen TV, you want to take that dream vacation, it will show you what kind of impact, on your financial future, those decisions will have.

To find out if you qualify for the Money Merge Account system, you have to have an analysis done. No social security number and no account numbers are necessary. Just a snap shot of your financial condition, that goes through the system, and comes out with a date when you will be debt free.

My wife and I are on the program, and we have 5.5 years left to pay on all our debts. 5.5 years and we will be debt free.

My most recent client had 28 years left on his mortgage. He will have that mortgage paid off in 5.2 years, and he will save over 120,000 dollars in interest, that he will never have to pay the bank.  And if this client follows all the prompts of the Money Merge Account system and his mortgage is not paid off in 5.2 years, United First Financial will give him a full refund for the cost of the system. That’s guaranteed. It’s a NO BRAINIER! You have nothing to lose except your debt!

Yes, there is a system that can get you out of debt and get you out of debt right now. It’s called the Money Merge Account system from United First Financial.

See if you qualify. Get an analysis done right now. The analysis is free.

What are you waiting for? Click on the word ,”analysis”, above and see if you qualify for this amazing Money Merge Account system.