Now Featured in SUCCESS FROM HOME MAGAZINE

As some of you may know the founder of SUCCESS magazine is a huge advocate of United First Financial. We are now featured in the January addition of SUCCESS FROM HOME MAGAZINE. What an incredible opportunity to have our company now available on over 1,600 newsstands nationwide! How's that for credibility!

These magazines can be found at Barnes and Noble, Books A Million, but you have to hurry to be able to get your copy, they have already sold out in both book stores near our office in Delray Beach Fl. In each magazine you will find a video of what United First Financial is all about and how you can also look into the opportunity to be paid to help your friends, family members and even your clients to get out of debt! You have to take a look at some of these testimonials in this magazine.

My wife and I were just about to cry looking at some of the ways this company is changing lives all across the nation and now even in Canada. Here are a few case studies I would like to show you: These were all out of the SUCCESS FROM HOME MAGAZINE so I hope they do not mind me borrowing them. Here is what a few of our existing clients have to say about the Money Merge Account program.

“It made a huge difference in our life. We started four years ago with an $88,000 mortgage with 21 years left to pay. Using the software, we’ll own our home in February 2010.” – Gina Francis (That is only 1 year away, add the 4 years to that, they went from 21 years to 5 years! Wow

“In a year and a half, my mortgage has been paid down to $50,000. It is so much fun to see how much my equity has gone up from one month to the next. I actually look forward to receiving my mortgage payments in the mail, which is just preposterous” – Nancy Goldstein

“We started with a mortgage of $129,452, and today it’s $66,291 after using the Money Merge Account System for three years. It’s amazing to see how it reduces our principal balance and manages our budget in a way that we never could on our own. – Ben Hawkins

“Without the system, we’d only paid down our mortgage principal about $2,000 in two years. With the Money Merge Account system, we’ve paid down more than $20,000 in two years. What’s amazing is that our standard of living has not changed.” – Curtis and Jennifer Zachman

Linear Income vs. Residual Income

Do you ever wonder why direct sales companies explode during the times of recessions?

I think the biggest reason is because people are looking to earn additional revenue during these hard economic times. I was watching Jim Cramer on Mad Money and he was talking about how direct sales company stocks are skyrocketing right now!! Can you believe that?

People are getting very nervous with all of these huge companies failing and going out of business. There is just no such thing as job security anymore. Companies with employees that have been with the firm for over 15 years are getting laid off everyday. I have always had an entrepreneur mindset but I believe this more today than ever; you have got to have multiple streams of income coming in to be financially stable. If one fails you will always have another.

I once heard from a very wealthy man that there are two different types of incomes. One type is Linear Income which is if you go to work and do what you are supposed to do you will get paid. The other type is Residual Income. If you do something right just one time and stay with this business and nurture it and watch it grow you will be paid for a life time.

Just think about this for a moment, you are walking through a park and you see a huge oak tree that must be 15 feet in diameter and the top of the tree is so enormous that it will shade almost an acre of land. Do you think a miracle like that just happens overnight? No not at all, somehow or another there was a seed or acorn that was dropped on the soil and then it rains and all of a sudden a small chute pops out of the shell looking for more water and nutrients. Then it rains again and again and eventually 100 years later there is a huge tree offering shad and home for many little animals.

This is kind of like how you start a direct sales company. You start planting seeds everywhere. Some will grow, some will not, and some will be major producing oak trees. This is what I have done with my United First Financial business. I have sown many seeds and now they are all growing. I have an organization that is starting to grow and mature and as they are talking to their friends and family members just sharing their testimony about what The Money Merge Account by United First Financial has done for them in their personal finances for their incomes. I am finding that agents are coming in by the droves to be able to share this debt cure with their friends and family members to offer some sort of hope during these turbulent times.

I want to leave you with this little saying that I got off of someone, “You cannot stop an idea whose time has come!” So lets go deeper in the next post and I will talk about the day in the life of an agent.

New Years Resolutions!

Every year we all make the greatest new years resolutions. To get out of debt/build wealth/get in shape/stop smoking! Most of us never really seem to accomplish these things though. We are all human; we will always take the path of least resistance. The very second things start to get a little tough with our goal that we are trying to achieve we will 99.9% of the time go back to the old way of doing things.

We all know the definition for insanity, "doing the same thing over and over expecting different results." In my studies of anyone who has achieved anything in their life that was worth writing, or even talking about has been when they were coached by someone. This coaching is what the most successful people claim that was the key to their success. Whether it be financial, athletic, to quit smoking, or even making a fortune.

I once read somewhere that Tiger Woods still to this day has 6 different coaches. Do you think Tiger woods needs any more coaching on how to be the world greatest golfer? Probably not, but this coaching keeps his skills sharp, accountable, and disciplined.

My New Years resolution in January 2007 was to become completely debt free in 10 years. By debt free I am talking about house paid off, student loans, credit cards, car payment, everything completely paid off. I have been able to make this dream become reality by getting on a proven system called the Money Merge Account which some of you may know about already. Now to this day I will be completely paid off in FULL in 7 years!

When we started my wife and I had exactly 30 years left on our mortgage because we had just bought our first home and I had several credit cards and a few student loans. With our free analysis from the company we were going to pay off everything in just over 10 years! Our goal was 10 years so we had to work really hard to get it down to this time frame.

Now today two years later we have about 7.1 years left to pay off everything. In just two years we have knocked off 3 years of debt. So it is actually working better than what I was guaranteed! There is no magic pill or potion. It is all about math and how the bank looks at money and an education and coaching from the company that really opens people’s eyes and teaches us that there is a much better way of doing things than what we were taught.

All that I know is my parents, my school teachers, and my college professors are all living from pay check to pay check and are one pay check away from a disaster! I knew that I was not going to get any results from following their guidance! So I encourage everyone to make their new year’s resolution about getting out of debt and building wealth a reality and start working with a company that will be around to see you reach your dreams! See you in the next post.

How To Fix The Economy

Today's unemployment report added fuel to the fire. 6.7% of people are out of work, but that figure should be higher because there are plenty out there who have given up on finding jobs. The economy is only going to get worse unless something is done, but the way our government is going about this is all wrong. Their so-called TRAP program is only making matters worse because is not helping the real cause of the problem: people who can't afford their mortgage payments and are jobless.

In order to fix this problem there is a simple and effective solution. Instead of giving the $750 billion to banks or buying up bad mortgages, they should use the money on the American people. After all, it's our tax dollars being used!

Here is what they "should have" done:

1. People who are upside down on their primary residences are given a non-qualifying loan (no income or credit) through an FHA approved Lender (a different one then the current Lender) at 90% of the home's current value (much like a FHA Streamline Refinance). There should not be a cap on the loan amount nor should there be restrictions on the property type (i.e. condos).

2. Two appraisals would be done on the property and the average would be used to determine value.

3. The loan would be a 30 year fixed rate including escrows and mortgage insurance at the current FHA MIP amount.

4. The Lender being paid off would receive payment for the amount of forgiven mortgage debt from the government. They would only receive principal, not any owed back payments. Back payments would have to be taken as a loss and no 1099c or judgment could be issue to the borrower.

5. Borrowers would agree that when they eventually sell the property that the proceeds from the sale be divided as follows: the amount of the forgiven debt be paid back to the government and then 50% of the remaining proceeds be paid to the government.

For example: A borrower owes $200,000 on his home which is currently worth $150,000. They would get a new mortgage at 90% of the current home's value for $135,000. A couple of years later (maybe longer), they sell the property for $210,000 for a profit of $75,000. The first $65,000 would be paid back to the government for the amount of original mortgage forgiven and then an extra $5,000 for the left over profit. I'm not counting closing costs into this figure, but they would be considered as well.

6. People who are not upside down on their homes should be given a hefty tax break (like paying no taxes) for 2 years or be able to get money to payoff existing consumer debt. If they are given money to payoff consumer debt, then the amount given would be paid back to the government from the proceeds of the sale of their home.

7. Banks from here on would be regulated where they are only allowed to fund Conforming, FHA or VA loans. Any ALT-A or Non-Conforming loans are left to the Hedge Funds or Private Investors. Banks would not be allowed to purchase any companies who fund ALT-A or Non-Conforming loans (this is what got us into the banking mess). These two spectrums of mortgage lending must be separated.

Why would this work...

1. The current Lender would be paid the full principal owed to them. This would prevent them from taking a hugh loss on the books. Yes, the would incur some loss from the back payments, but they wouldn't be in the mess they are now.

2. The current bad mortgages would be paid off an new mortgages would be issued.

3. People would not feel like just walking away from their properties. This would also lower their mortgage payments and the money saved can be used to pay down their consumer debt.

4. Our tax dollars would be used on helping us and the companies together.

5. Lower mortgage payments and lower consumer debt would free up extra cash which would help put money in the economy and there would be less job lost.

Do you not agree? It's amazing that the idiots in Washington didn't consider this when coming up with their brilliant plan. I wish I was high up in government and hopefully I would have been able to get this idea heard, but I'm not.

Do me a favor and see that this idea gets heard by the right people as there still might be time to fix this mess before it gets any worse.

It's Finally Over! God Bless Obama!

Sorry that is post has nothing to do with the Money Merge Account and is political. I always said that three are three things you should never talk about with people if you want to avoid confrontation: money, religion, and politics. Well, I can't avoid talking about money on this blog because of my job, but I try to avoid the other two.

Anyway, I'm am so happy that Barack Obama won and we can finally get away from our miserable failure of a president. George Bush (what an idiot) has screwed us over for the past 8 years and it is time that someone young, good-willed and actually cares for the people is in the White House.

Many people I talked to didn't want to vote for Obama because he is an African-American, too inexperienced and a Democrat. Well, lets just look at those issues:

1) He is a African-American: Grow up...who cares if the man was black, white, yellow, blue, orange, purple...you get the point. We live in the year 2008 and anyone who judges someone because of the color of their skin is a jerk.

2) Too Inexperienced: As far as I'm concerned, this is a plus. This means that he hasn't been hanging around government long enough to be corrupted by every lobbyist in Washington.

3) He is a Democrat: Hey, I'm a registered Republican (Still love you, Ron Paul) and I voted for a Democrat. As far as I'm concerned, party affiliation means nothing to me, it's who is the best man for the job. Barack Obama is definately that man!

Anyway, Congratulations Barack Obama! Remember to think for the people and not for special interest groups. Make us as proud of you and be the best President this country has ever had!

Get On Version 4 If Your HELOC Is Frozen

I had a client on the Money Merge Account Version 3 who had their HELOC frozen. When the bank freezes your HELOC, you will be notified by mail. Keep this letter from the bank and fax or email it to United First Financial Client Support (you should have their toll free number if you are currently a client). They will then get you up and running on Version 4.0 of the program.

Remember, Version 4.0 of the Money Merge Account Program doesn't require a HELOC. My previous post lists all the new features and benefits of Version 4.0, so please read it.

Money Merge Account Version 4.0 Features

For those of you who didn't hear, United First Financial released version 4.0 of the Money Merge Account System. This new version is great! Here are all the details:

v3.0 can still be used and those on it can upgrade if they so choose, to v4.0.

v4.0 uses ‘Factorial math’. Someone with a mortgage and only 10 debts will have 3.6 million ways to pay off that debt.

Organization of funds transfer: will tell you what to pay off, when and in what order to achieve what you want!

Almost anyone will qualify now.
* No equity — no problem.
* No appraisal – no problem.
* No credit check – no problem.
* No line of credit – no problem.

v4.0 works with a HELOC, ALOC, Credit Card, Savings & Checking account. Yes, we said SAVINGS AND CHECKING!

Introducing a ‘renters’ version (or a “Express” version), for only $1,795.00.

Those who start on the Express version, can upgrade at any time by simply paying the difference.

UFirst will also finance the Money Merge Account™ now–both the full version and the EXPRESS version.

* Full version is $2000 down + $75/mo. for 24 months.

* EXPRESS is $995.00 down + 75/mo. for 12 months.

UFirst now has an optimizer package: a way to control all the variables, as well as special unique functions with your Money Merge Account™. (The optimizer is an additional $24.95/mo)

Semi Auto Pay: The Money Merge Account™ tells you (text message to your phone) when bills are due and asks if you want the program to pay them through an automated system. 1 for yes, 2 for no.

Auto Pay: The Money Merge Account™ can now move money for you as you direct it and then tell you when it’s been done.

Money Pathing: Dictate where the money will be taken from, set the paths and walk away.

Folders: Create your own folders for the program, such as savings, vacation, groceries, college funds, etc., and then assign what amounts get sent there.

Text Interaction: Ask the Money Merge Account™ information and have it respond to you instantly, such as how much money you have in a particular folder, or perhaps ask a true cost question and get it in front of your husband before he buys the BBQ Grill, or before the wife buys that 25th set of shoes.

BEST TIME TO BUY feature. Know when the best time is to buy ANYTHING, to save the most interest. The Money Merge Account™ will tell you your personal optimal point when to make the purchase, balancing out all your financial variables with what you’re already paying off.

Start and stop dates. Income, payments, you name it, all for perfect accuracy—just fill in and forget.

Multiple reports for every aspect of your needs/taxes.

Faster load time: it’s now an application, not a web based program.

Supports ANY platform:
Works with Windows.
Works with Mac.
Works with iPhone.

Can now show the POSITIVE affect of using your savings or cash flow, –savings, 401K, money market, etc.–with the ability to create an analysis a full year out, or two if you need to! Clients want to know what a decision would do? SHOW THEM.

“DOT” releases: Instead of new versions (5.0, 6.0) which come out after substantial periods of time, UFirst will now create “dot” releases instead (4.1, 4.2, etc.) a handful of which will be initiated and live before Christmas this year (2008).

BEST OF ALL: Pay off ALL debts—and CREATE SAVINGS—AT THE SAME TIME!!!

United First Financial Co-Founders Take Home Ernst And Young Entrepreneur of the Year Regional Award

The company’s co-founders were awarded for entrepreneurial success in the financial services category; qualify for national awards

BLUFFDALE, Utah – July 3, 2008 – Skyler Witman, John Washenko, Matt Lovelady, Jonathan E. Bonnette, and Don Jorgensen of United First Financial™, a financial software services and support company, were recently awarded the Ernst & Young Entrepreneur Of The Year® 2008 Award in the financial services category in Utah. An independent panel of judges selected their work with United First Financial from a group of finalists, and the award was presented at a gala event at the Salt Palace Convention Center on June 27, 2008.

United First Financial’s (UFirst) innovative Money Merge Account™ program utilizes existing banking tools, one-on-one coaching and a Web-based software tool to help consumers pay off their mortgages and consumer debt in about one-half to one-third the time.

“When we started United First Financial, we didn’t just want to help people get out of debt and improve their financial situation eventually, we wanted to help them do it fast and with little to no change in their current spending habits,” said Skyler Witman, co-founder of UFirst. “The Money Merge Account solution has done just that, and more. It helps homeowners pay off a traditional mortgage in as little as one-half, to one-third the time, it helps clients without a mortgage eliminate other consumer debt and it helps clients without debt build wealth.”

The UFirst co-founders were among the founders of nine Utah-based companies to receive Ernst & Young Entrepreneur of the Year regional awards. According to Ernst & Young LLP, the award recognizes outstanding entrepreneurs who are building and leading dynamic, growing businesses.

“Ernst & Young is pleased to honor outstanding business leaders such as United First Financial,” said David Jolley, Managing Partner and Ernst & Young Entrepreneur of the Year Program Director for Utah. “Winners of the Entrepreneur of the Year award build leading businesses and contribute a great deal to the communities around them. Their success helps Utah grow stronger.”

The co-founders will travel to Palm Springs, Calif. to compete for the Ernst & Young Entrepreneur of the Year 2008 national program Nov. 15, 2008. Award winners in several national categories, as well as the overall national Ernst & Young Entrepreneur of the Year award winner, will be announced at the annual awards. The awards are the culminating event of the Ernst & Young Strategic Growth Forum, the nation’s most prestigious gathering of high-growth, market-leading companies.

For more information concerning United First Financial and its highly-rated Money Merge Account program, please visit www.u1stfinancial.com.

About United First Financial:

United First Financial (UFirst) is a financial software services and support company. Its products, tools and coaching services enable consumers to pay-off their mortgages, eliminate their debt and achieve financial independence in a fraction of the time. For more information about United First Financial or the Money Merge Account system, please visit www.u1stfinancial.com.

About the Ernst & Young Entrepreneur of the Year Awards

Ernst & Young’s Entrepreneur of the Year is the world’s most prestigious business award for entrepreneurs. The award makes a difference through the unique way it encourages entrepreneurial activity among those with potential and recognizes the contribution of people who inspire others with their vision, leadership and achievement. As the first and only truly global award of its kind, Ernst & Young Entrepreneur of the Year celebrates those who are building and leading successful, growing and dynamic businesses, recognizing them through regional, national and global awards programs in more than 135 cities in 50 countries.

About Ernst & Young

Ernst & Young is a global leader in assurance, tax, transaction and advisory services. Worldwide, our 130,000 people are united by our shared values and an unwavering commitment to quality. We make a difference by helping our people, our clients and our wider communities achieve potential. For more information, please visit www.ey.com.

United First Financial Money Merge Account Credit Card Option

As 99% of you know, a Line of Credit (either a Home Equity Line, Personal Line or Business Line will do) is required in order for the Money Merge Account Program to work. Because of the decline in the housing market and many lenders tightening their lending guidelines, Lines of Credit are becoming harder for some to obtain. Well, United First Financial has come up with a temporary fix to this problem.

As of April 2, 2008 a Credit Card can now be used with the United First Financial Money Merge Account as an alternative to a Line of Credit. If you really think of it for a moment, this makes complete sense since a Credit Card is nothing more then a Line of Credit. Granted the rates, fees and credit limit vary greatly, but this is a great way for a client to get started on the Money Merge Account Program and build some equity in their property. Later, they can then apply for a Line of Credit at a major bank and utilize it instead of the Credit Card.

Now, most United First Financial Agents are telling their clients about the Credit Card option instead of having them try to obtain a Line of Credit from a bank. I don't really think this is the right way to go as the rates and fees on Credit Cards are very high. Instead, the Credit Card option should be a last resort for a client to utilize the United First Financial Money Merge Account and it should be know that is only a temporary fix. The client's main goal should be to get a Line of Credit as soon as they can.

It should also be noted that United First Financial WILL NOT GUARANTEE the client's results on the Credit Card option UNTIL Version 4 of the Money Merge Account Software is released in June of this year. Client can still start using the Credit Card option and then once Version 4 of the Money Merge Account Software is released, United First Financial will re-run the client's Money Merge Account Analysis and give them the GUARANTEE. So, I client doesn't have to worry about them not getting a guarantee from United First Financial, since it will happening later, but it in the meantime, they can get started on the program to help paydown their mortgage.

Now, in order for a client to utilize this program, there are a couple of items they need to check with their Credit Card company about. They are as follows:

1) Are they able to write checks from their Credit Card or does their company have an online bill-pay system.
2) If the Credit Card company will allow you to write checks, is there a fee for the checks.
3) What is the interest rate they will charge you if you write a check or do an online bill-pay from your Credit Card. Remember, some Credit Card companies count this as a Cash-Advanced Transaction and the rate and fees are higher.
4) When do they apply payments.
5) Are there any Annual Fees.
6) What is the Credit Limit.

I recently heard from another United First Financial Agent that American Express has a Credit Card which works perfectly. You might want to check them out.

Anyway, I'm sorry it took so long to post this information, but I wanted to make sure the kinks were worked out and all the information I am providing is correct before I posted it.

REMEMBER: THIS IS A LAST OPTION AND A TEMPORARY FIX TO GET YOU STARTED ON THE UNITED FIRST FINANCIAL MONEY MERGE ACCOUNT! YOU SHOULD TRY TO OBTAIN A LINE OF CREDIT AS SOON AS YOU CAN AND THEN CONTACT UNITED FIRST FINANCIAL SO THEY CAN SWITCH YOUR MONEY MERGE ACCOUNT SOFTWARE TO WORK WITH THE LINE OF CREDIT INSTEAD OF THE CREDIT CARD.

United First Financial Money Merge Account Canadian Expansion

This news came down the pipeline the other day to all United First Financial Agents. It seems that we can now recruit Agents in Canada! Thank goodness because I get many people contacting me from Canada and want to offer the United First Financial Money Merge Account there.

Before everyone from Canada starts contacting me again, I do want to make sure you read this little tid-bit about selling the United First Financial Money Merge Account in Canada:

"Sales of the Money Merge Account system in Canada will not be open until May 1st, 2008 and will be limited to clients with a mortgage and line of credit in the following provinces only: Alberta, British Columbia, Manitoba, Ontario and Saskatchewan."

So, please be sure you are from those provinces before contacting me about becoming a United First Financial Agent.