The Money Merge Account EVOLUTION! v4.0

Dedicated to families and providing solutions to debt and wealth creation, The Jubilee Project traveled to Atlanta, Georgia, where United First Financial unveiled the evolution of the Money Merge Account™ program and the solution to American Debt.

One of the most controversial debt reduction programs on the market today, the Money Merge Account™ program has proven its value and consistent results for homeowners, despite sour views and speculation from traditional mortgage/financial professionals still waiting for a hopeless revival of the housing market. Thousands of families continue to investigate and purchase the Money Merge Account™ program, despite the bantering of Nay-Sayers-dramatically improving their financial situations and in many cases paying off all their debt in record time, including their mortgage.

“It’s almost humorous when traditionalists shout ‘Scam! Scam!’” comments Jaime Buckley, Co-Founder of The Jubilee Project.

“They want to convince others that it doesn’t work-pitting their views, which are speculation at best, against those of us who own the program and benefit from it! It’s nuts, really. I just came from an actual ‘mortgage burning’ party, for clients who are 100% debt free due to using this program. Yet their neighbors want to convince them it doesn’t work. Unbelievable.”

Jaime shakes his head in frustration. An emotion many UFirst agents feel when trying to help families who simply won’t listen.

“All you can really do is try to wake people up.” he remarks. ” I’ve heard Glenn Beck and Martin Victor Hansen talk about UFirst and the Money Merge Account™, and they not only praise the program, they praise the efforts of the entrepreneur force striving to promote it. This country is asleep, and those who don’t financially wake up and turn their lives around are going to find themselves in a literal hell they can’t escape.

The Money Merge Account™ changes everything and brings people hope where there is none.”

The first International Convention for United First Financial unveiled the newest version of the Money Merge Account™, v4.0.

With all the power of v3.0, this new system boasts the ability to work with a savings and checking account, for those who could not qualify for a Home Equity Line of Credit. Using ‘factorial math’, the new version squelches the challenge of ‘I can do this on my own’.

“Unless you’re going to stand there and tell me you can make over 3 million calculations each time you decide to spend a dollar, it’s just not possible to do this on your own.” commented Lee Bradshaw of The Jubilee Project.

“That’s just with a mortgage and 10 other debts/creditors. What makes matters worse, is if you’re wrong, it could cost you thousands-up to hundreds of thousands of dollars in interest! That’s huge. The new version takes every variable into account, making what we believe to be the most powerful and dynamic financial tool America has ever seen.”

One of the original challenges UFirst faced, was a lack of available technology. The vision was simply too large and too complex, though the intent was worth it’s weight in gold. Version 4.0 was allowed to ‘evolve’ to it’s rightful level of sophistication, which John Washenko, Co-Founder of United First Financial, called “the original starting point”. During a private viewing in June 2008, Mr. Washenko described the original vision to The Jubilee Project and nearly 80 other key UFirst leaders, which transformed their already passionate views.

“We now have a financial services company that helps people stream line their finances in eliminating ALL debt and creating wealth at the SAME time.” commented Brad Lavery, Jubilee Co-Founder.

“This is also my 10 second introduction I use for people who ask me what I do. I then end with: ‘Would you like to see if you qualify for this service?’”

“I am so excited about the direction that this company is headed. I can now see and show the lost opportunity cost for those who would rather invest ALL their money instead of paying off their debt. We are not getting debt free first then investing but we are able to accomplish this SIMULTANEOUSLY!” he smiles, then bounces on his heels with energy and excitement.

“This program is NOT just about paying off your house in record time. This is an educational process showing you exactly how your money works, when to pay down debt and which ones to pay first-when to invest, and when to make purchases. Not only when, but exactly how much to move and invest.”

The word leaked out through UFirst leaders even during the International Convention, as if reporting a blow by blow fight, across the internet to more than 80,000 independent agents who sell the Money Merge Account™ throughout America and Canada. A passionate group which Glenn Beck called “Entrepreneurs” and “the right people, with the right product at the right time” in his live address to 5000+ UFirst agents.

  • 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. No, you can no longer do this on your own.
  • 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.
    o No equity—no problem.
    o No appraisal–no problem.
    o No credit check–no problem.
    o 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!!!

“The financial profession will never be the same.” says Ondi Allred of The Jubilee Project.

“The value of this program and what it can do for everyone who uses it with force professionals to offer the Money Merge Account™ program, or be left behind without a clue or client.”

“Make no mistake,” he says with conviction, “this program is here to stay and those who don’t support it will eventually be ignored altogether.”

For more information about the Money Merge Account™, visit www.TheJubileeProject.com , or call The Jubilee Project directly: 1-801-701-6650 or owners@thejubileeproject.com.

July 2nd, 2008, posted by admin

Paths OUT of Debt, Points of View, The Money Merge Account, Uncategorized No Comments

Objections by Calvin to The Money Merge Account

I think people should be aware of the attempts to confuse the public on the Money Merge Account, as well as the standing of The Jubilee Project, by posting conversations we strive to resolve. The following c”original” conversation can be found HERE.

This was posted here with full permission by the original forum owner.

Jamie,

Go back and read the Kiplinger’s article. It wasn’t offering an “alternative plan,” it was directly saying not to use the UFF product, because it makes no sense to do so. Again, paying $3500 to do something you can already do. ALL debt repayment acceleration plans, every single one of them, are all based on the exact same premise: sending more money to your loan. It’s not “other people’s money” like many agents love to incorrectly say, it’s your own money. The article is saying why pay for something you already have, and pay through the nose. I was wondering what the spin would be. MMA = Prepayments in disguise. That is a indisputable mathematical FACT.

As for the “you don’t work in an educated field”, that wasn’t meant to be a degrading insult, it just is what it is. If I am a janitor, and someone calls me a janitor, it’s not an insult. You have openly admitted to me your group isn’t financial advisors and don’t have the background for it (that is generally required). You need to step back and read the words without emotion and read them for what they say.

Jubilee has most certainly challenged my math. And lost BADLY. Agents complain left and right that I only look at simple scenarios. I gave you a scenario on another board with changing expenses and income, multiple loans, etc. You took the scenario, changed (fixed) the expenses, changed (lowered and fixed) the income, changed the terms of the other loans, and ignored the price of the software, posted your numbers and what you THOUGHT my numbers were, and declared victory. I post how you bankrupted the family given your numbers, posted what the results would be under the original nubmers (MMA coming out some $20,000 behind simple prepayments after you refinanced 0% debt to 7% debt). And amazingly enough, my post is not put up there, and I’m banned. The truth hurts sometimes, I get that, but once and for all, stop lying to the American Public.

It’s all about the truth. The agents openly supress the truth as it would effect sales. If the product is so great, why does it have to be marketed so dishonestly? It should sell itself if it was that great. But no, it’s lies, lies, lies.

Under MMA:

Cash flow changes, average agent claims “no change in cash flow”
Extra payments are made, average agents claims “no extra payments”
Budget SIGNIFICANTLY changes, yet they claim otherwise (heck, Jamie’s “private banker” link says that directly)

Then of course, there’s the claims about the origin of the algorithms (MIT, harvard, Nasa, GE, etc). Saw a term the other day where it was developed by a “mathematical engineer.” Engineers know why that’s funny. :) The best so far was recent where an agent claimed homeland security is using it to run their finances, and the NSA is using it because the algorithm is so powerful. Why on Earth would someone claim the Federal Government uses their product for debt reduction? 8 trillion and counting. I couldn’t make this stuff up if I tried.

Anyways, so now a private banker doesn’t grasp the idea of prepayments or leverage? There is NO LEVERAGE in MMA. Leverage is taking $20,000 in cash and buying a $100,000 house using a mortgage. That 1:5 ratio is where the term “leverage” comes from, like being able to lift a 100 lb object with a 20 lb force, using a lever. MMA is using your own money to spend it as your own money. And the $3500 price tag LOWERS the spending power of your money, because the $15-$25 extra interest you have to pay each month relative to prepaying.

And not ALL people are happy with their MMA purchase. We are working with a group that seem to be having a problem getting their refund as they now know the truth and what lies their agents told to them. We will be moving on to Attorneys General if they don’t get their refund. Personally, I hope it goes that route so the widespread fraud (the marketing) can be exposed and dealt with, but if they just get their money back, that will be good enough.

Jaime Buckley’s Response:

Calvin,

I went back and read the Kiplinger’s article. It was offering an “alternative plan,” –yes, it was directly saying not to use the UFF product, because they state can apply the $3500 on your own. However, it was a far cry from your own liberal spin on the Money merge Account being a “joke”, which was my point—your spins on words are SO much fun to read =).

Again, paying $3500 to do something they say you can already do–yet do they? Look at the national market and let the reader judge for themselves. ALL debt repayment acceleration plans, every single one of them, are all based on the exact same premise: sending more money to your loan. Yup, got that, have said that myself over and over. Saying it now. Debt doesn’t go away unless you pay it—what a concept.

[It’s not “other people’s money” like many agents love to incorrectly say, it’s your own money. The article is saying why pay for something you already have, and pay through the nose. I was wondering what the spin would be.]

Calvin, please, oh please tell me you are not this dense. Again, I don’t dispute this—but you do use the banks money in conjunction with your own. When you use a line of credit, who’s money is that? Certainly not yours—you didn’t have it yet Calvin, or it would be called “cash”, not “credit”, or better yet—it would be a “debit” card, not a “credit” card if you are using your own money. Whether you agree with our methods or not, we use the banks money, while we use our own to hold down the average daily balance, but of COURSE our money pays off the debt, and of COURSE it all comes down to OUR MONEY.

Why wouldn’t it?

For crying out loud Calvin, let this be read over and over—The Jubilee Project says THIS ISN’T FAIRY DUST! YOU ARE PAYING YOUR OWN DEBTS WITH YOUR OWN MONEY!! Is that plain enough for you my friend? You can post that on as many sites as you like. That’s never been disputed by Jubilee, though you may hate the way UFirst spells things out. I disagree completely that there is ANY foul play by Corporate…but I will say that too many agents who don’t take the time to learn what we sell, nor have the scruples to talk honestly with potential clients, give the rest of us a bad name and rep from people like you, who group us all in together.

[MMA = Prepayments in disguise. That is a indisputable mathematical FACT.]

Hmmm. Pay more money, pay off a mortgage faster than a traditional payment schedule = prepayment. Don’t see any disguise here. Good call, I agree with you 100%…mathematical fact.

[As for the “you don’t work in an educated field”, that wasn’t meant to be a degrading insult, it just is what it is. If I am a janitor, and someone calls me a janitor, it’s not an insult. You have openly admitted to me your group isn’t financial advisors and don’t have the background for it (that is generally required). You need to step back and read the words without emotion and read them for what they say.]

If I even take this comment at face value, it speaks of a nose turned to the sun, with indirect slander that you are better than myself. Wow. You didn’t call me a janitor, Calvin. You also didn’t qualify what I asked at all. WHAT is a “qualified field” Calvin? Nope, I’m not a financial planner—so what. Are you saying you are a financial adviser? Who are you? What do you do and your background? Clarify please–it would help this conversation.

[Jubilee has most certainly challenged my math. And lost BADLY. Agents complain left and right that I only look at simple scenarios. I gave you a scenario on another board with changing expenses and income, multiple loans, etc. You took the scenario, changed (fixed) the expenses, changed (lowered and fixed) the income, changed the terms of the other loans, and ignored the price of the software, posted your numbers and what you THOUGHT my numbers were, and declared victory. I post how you bankrupted the family given your numbers, posted what the results would be under the original nubmers (MMA coming out some $20,000 behind simple prepayments after you refinanced 0% debt to 7% debt). And amazingly enough, my post is not put up there, and I’m banned.]

How do you lose “BADLY”? I don’t recall any math conversation, let alone being hospitalized by it. I’m just as excited to learn and grow here–even in front of other people, so teach me. Again, proof please. I have no problem saying I am wrong if I am wrong or even to apologize to you Calvin—and if we have talked at some point, put it up here. I said if either of us make a statement, back it with documented proof or shut it.

Go find your proof and please post it with links to the original source. Thank you.

The funny thing is Calvin, you really have no idea who I am, or who Jubilee is. You don’t understand our client base or how we do all we can to bring options to people. You are fighting a group who uses the program personally, and I never would have done this on my own. I didn’t have the drive, I didn’t have the discipline to do it. Sure, you can mock me for this—but I’m here trying to be honest and share what little I do know to assist others. This program has helped me since 2006, and I am in a much better financial situation than I have ever been in my whole adult life.

You fight me so hard, when I’m just a guy, who has benefited from something good and I want to share that with other people, to help them benefit also. So, you don’t like me helping people? …or you don’t like me helping them in a way contrary to your personal beliefs??

You are fighting that simple premise. That looks awfully nasty to me, as I hope it does to readers.

You seem to me SO obsessed with being ‘right’ about something, you just won’t stop.

[The truth hurts sometimes, I get that, but once and for all, stop lying to the American Public.]

The truth never hurts my friend, unless you’re afraid of it, and unless you were lying. No problems here. In fact, one of the specific things I tell any new person I talk to, is that I don’t know all the answers. I do, however know where to find them. If they can deal with that level of honesty, we’ll do fine together.

No secret to me bud. I tell people right up front what my background and why I offer this product. No make believe, no smoke, no mirrors.

You certainly act like you know it all and have all the answers…so show me the foul.

[It’s all about the truth. The agents openly supress the truth as it would effect sales. If the product is so great, why does it have to be marketed so dishonestly? It should sell itself if it was that great. But no, it’s lies, lies, lies.]

Again, you break the rules Calvin. I can’t control other people, and neither can you. What you CAN do, is talk to me, and find a common ground and perhaps we can help people together. Talk to me. Deal with me. No ‘others’ or ‘them’. It’s just you and me. I can only speak for myself.

I don’t suppress anything here, and I don’t see any dishonesty in the marketing either. Do other people/agents use less than honest and/or unsavory tactics and/or information to sell the program? I don’t know the answer to that. I know what I do, what Brad, Ondi and Lee do here in this office, and we tell the truth–laying who we are and what we want to do for others on the table. We tell people that they might not be able to qualify, we tell some that they are upsidown and that this is NOT FAIRY DUST.

Calvin, The Jubilee Project has gone out of it’s way to post information freely and in a more abundant form than any other site on the internet, including UFirst. Why did we do that? To allow people to study freely without having to call us. To allow them time to do their own searching, comparing and decision making, before they pick up the phone—and still we answer questions and give direction without obligation on their part. Where’s the foul? Yet you claim you have such problems with Jubilee specifically.

You keep saying lies, lies, lies, but where are they?

They aren’t coming from me or from Jubilee.

[Under MMA:

Cash flow changes, average agent claims “no change in cash flow”
Extra payments are made, average agents claims “no extra payments”
Budget SIGNIFICANTLY changes, yet they claim otherwise (heck, Jamie’s “private banker” link says that directly)]

First off Calvin, any company, anywhere changes how they market and how they describe their product and/or service as the company grows, learns and gains experience. I find it completely unreasonable to expect any company to get everything perfect right out of the gate without error. Most business would not exist—so they develop while in motion. That’s not a foul…that’s development. I know you want UFirst to state one thing then stand still while you nail their bloods arms to the wall, but it’s just silly.

The funny part about the cash flow changes, especially in Nicks situation, is it’s referring to a POSITIVE effect, not a negative. Try not to play both sides of the fence. It seems you’re not looking for the truth here—which would be the positive improvement—but rather a situation to just make trouble. We strive very hard to under promise and over deliver. From what I gather, thats a good motto to live by, don’t you think?

His college buddy told him, and rightly so, that this program could be done without ‘significantly adjusting our household budget’.

[Then of course, there’s the claims about the origin of the algorithms (MIT, harvard, Nasa, GE, etc). Saw a term the other day where it was developed by a “mathematical engineer.” Engineers know why that’s funny. :) The best so far was recent where an agent claimed homeland security is using it to run their finances, and the NSA is using it because the algorithm is so powerful. Why on Earth would someone claim the Federal Government uses their product for debt reduction? 8 trillion and counting. I couldn’t make this stuff up if I tried.]

You know what my own personal opinion of the origin is?

Who gives a crap.

Really. What difference does it make, unless it was developed by a autistic 4 year old from Branston Iowa…cause that would make a great story to tell.

To me it’s just like Martial Arts: a system doesn’t work any better (or worse) because it was created by a one-eyed, one-armed monk in the mountain shrines of China. It works or it doesn’t.

Now, Jubilee has 4 men who says it works, if no one else said so–and they own it. Now we have a client who has posted his information, and shows it works—vs—you who keep shouting it doesn’t work, but you don’t use it. Hey, you could be a great mechanic…doesn’t automatically mean you know how to drive.

[Anyways, so now a private banker doesn’t grasp the idea of prepayments or leverage? There is NO LEVERAGE in MMA. Leverage is taking $20,000 in cash and buying a $100,000 house using a mortgage. That 1:5 ratio is where the term “leverage” comes from, like being able to lift a 100 lb object with a 20 lb force, using a lever. MMA is using your own money to spend it as your own money. And the $3500 price tag LOWERS the spending power of your money, because the $15-$25 extra interest you have to pay each month relative to prepaying.]

So now you simply push aside this ’educated field’ because it doesn’t work with what you’re screaming about? This client posts his own HELOC statement, SHOWING THE MATH, AND DOCUMENTING HIS RESULTS…and yet you don’t concede anything. He’s all excited and is getting results you tell us won’t happen, but theres the math—and yet you still kick and fight??

Amazing.

So the ‘educated field’ doesn’t really matter.

What you mean is—we are not Calvin, and Calvin is always right??

Double wow.

Well, ok.

For those who want a full and accurate account from a client who has shared his actual experience, not a ‘theory’, simply visit: http://www.jubileesolutions.com/?p=19

[And not ALL people are happy with their MMA purchase. We are working with a group that seem to be having a problem getting their refund as they now know the truth and what lies their agents told to them. We will be moving on to Attorneys General if they don’t get their refund. Personally, I hope it goes that route so the widespread fraud (the marketing) can be exposed and dealt with, but if they just get their money back, that will be good enough.]

Again Calvin, good story. Please provide proof. I have no problem believing that not everyone is happy with their Money Merge Account—I don’t live on the Good Ship Lollipop here…but at the same time, I also know not everyone loves their Chevy, Ford, Microwave, Dress, Slacks or Microsoft Vista system.

So the great evil now, is we don’t have 100% perfect satisfaction at all times, in all places, with all people? Ok, we’re guilty. Lock me up—I’m so ashamed I cannot please everyone, I have seen the light and the errors of my ways.

Come on. Show me your works history and lets see you do better.

You keep shouting lies and ‘people knowing the truth’…but show me Calvin, don’t tell me. Show me. I would be careful with your accusations by simply stating that it is ‘your opinion’ that it’s fraud. I would hate to have something legally happen to you.

Who would I have left to talk to online?

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

May 28th, 2008, posted by admin

Paths OUT of Debt, Points of View, Uncategorized No Comments

A Client Shows PROOF of Money Merge Account Success!

Article used with permission from Author.

The following is an email of a client who has become a powerful advocate for the Money Merge Account™ program. Not just an ordinary homeowner, but someone with substantial professional experience in the financial arena. The Jubilee Project has been given permission to share this information with you, for those seeking answers to this system of paying off debt.

In fact, Nick has stated that he would be more than happy to talk with those doubting or having questions about the Money Merge Account. That is a unique offer indeed.

Here is the email in it’s entirety:

‘Jaime,

As per our conversation, here is the information I personally believe homeowners should understand and see for themselves about this phenomenal program. I have taken off the personal information (my account #, etc.) from my own statement, and give I you full permission to post this as an example on you site. Please let readers know it’s essential they read the complete example in conjunction with viewing the attached file (the HELOC statement). Here’s exactly what I would say to someone looking into purchasing this program for themselves:

“We invested in the Money Merge Account May of 2007 without completely understanding how our 30 year fixed mortgage and other debts were going to be paid in full in less than 7 years. This concept of interest cancellation applied and managed by the Money Merge Account had been presented to us by one of my college friends. He clearly explained to us that our results would be achieved without refinancing, changing our mortgage payment or significantly adjusting our household budget. Our guaranteed results coupled with the trust and respect we had for our good friend was enough for us to proceed.

One of the best ways that I discovered to illustrate part of how interest cancellation occurs was by looking at our Home Equity Line of Credit(HELOC) statement for June 2007 which reflected our first months activity using the Money Merge Account system. (see attached June HELOC Statement)

June 2, 2007
A. Our June 2nd statement had a New Principle Balance of $ 7,851.64
B. Our Average Daily Balance was $ 1,266.39
Our Minimum Payment for June was $ 7.79
ALL HELOC’s will charge interest on the Average Daily Balance ONLY
A - B = $ 6,585.25 (0% interest charge)

We began the month of June with a zero balance on our HELOC. Following the cues of our Money Merge Account we chose to withdraw $ 28,538.81 of the banks money from our HELOC and send it to our 1st mortgage as a principle reduction. We then deposited $ 20,687.17 that had been sitting for 15+ years in a low interest bearing savings account. You will see that our ending balance was $ 7,851.64 at an interest expense of $ 7.79. That interest expense of $ 7.79 was calculated off of our Average Daily Balance of
$ 1,266.39. For the month of June we had the use of $ 6,585.25 of the banks money interest free! We found that “A - B = free money” formula to be both counterintuitive and bazaar! Essentially, we leveraged the banks money through the HELOC resulting in what could be called a To-Good-To-Be-True interest savings for us on BOTH our 1st and 2nd mortgages. This simple math edified for us how we will be mortgage/debt free in less than 7 years!

1. HELOC: $ 6,585.25 (leverage & float the banks money with no interest charged)
2. 1st Mortgage: $ 74,073.23 (canceled interest = 10 years of canceled mortgage payments)
3. Total Interest Saved: $ 6,585.25 + $ 74,073.23 = $ 80,658.48

Everything about the thought of sending such a large amount of money to our 1st mortgage felt so wrong until we realized that we had more than twice that amount of money available to us 24/7 through our HELOC. These changes in our household, now subtle, represented an absolute paradigm shift as we measured our concerns about how to get to the finish line with college tuitions and retirement. Our results for just this month of June continues to excite us. No longer stagnant, the velocity of our money directed by the Money Merge Account eliminated debt and canceled interest at a remarkable rate.

The interest canceled for our $ 3,500.00 investment in the Money Merge Account for the month of June ‘07 was $ 80,658.48. The above transaction, through on-line-banking, took us minutes to complete. With simple clicks of the mouse, we chose to “become our own bank” and we have never looked back.

For 15 years we managed our lives with Quicken and a trusted Certified Financial Planner and these options NEVER occurred to us. The Money Merge Account has effortlessly coached us to slightly alter our banking behaviors since May of 2007. This example illustrates the tip of the iceberg regarding the tangibles/the math of interest cancellation managed by the Money Merge Account.

The intangible gifts for my family relating to this dynamic program continue to reveal themselves to us daily. As a couple, we feel more aligned and in control of our families future than we ever have. It’s profound for us to realize that our children and their children will also grow up understanding that their mortgages and other debts will not follow them for a lifetime!”

Highest Regards,

Nick Griffin
Private Banking
508 435 1934 Direct Line
508 630 1667 Direct e-Fax
griffinwng1@aol.com
MetroBoston Mortgage Co., Inc.
Direct Lender
726 Washington Street
Canton, Ma. 02021

————-

There you have it friends. This really is math, and those who are taking the time to bring this to their current client base are experiencing phenomenal growth in their respective businesses. What better way to succeed, than by helping others first?

Contact us today.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

May 21st, 2008, posted by Jaime Buckley

Paths OUT of Debt, Points of View, The Money Merge Account, Tips, Uncategorized No Comments

Gut Check Time!

Please read this whole article in one sitting. I don’t want a flood of emails from agents that think I have gone over to the dark side.

I have removed the links to Nay-Sayers for a reason. I am not afraid that you may be swayed by them, but we need you all to realize that these so called “experts” will not be swayed by you. By visiting these sites you help them out by upping their search engine rankings, and they plan on this by making your blood boil with banter and illogical emotional barf. We all need to focus on our mission and not let ourselves be swayed by theirs.

This is a very impressive list of so called “experts”.
How dare I question their advice!??

Easy, here I go..

1) Jack M. Guttentag, Professor of Finance Emeritus and former Jacob Safra Professor of International Banking at the Wharton School of the University of Pennsylvania (one of the Worlds Best Graduate Finance programs). Earlier he was Chief of the Domestic Research Division of the Federal Reserve Bank of New York, on the senior staff of the National Bureau of Economic Research. Jack is also a Yahoo Finance Contributing Author.

Professor Guttentag states, “Based on everything I know, I have considerable confidence in my main conclusion, which is that the bulk of the reduction in interest payments comes from the borrower’s savings rather than from the program mechanism. … Neither the MMA nor any of its siblings provide the means for separating the contribution of the program to interest saving from the contribution made by the income the borrower allocates to principal reduction. The reason they don’t is that they want to pretend that it is the program that generates the benefit.”

2) Don Taylor, Ph.D., CFA, CFP, holds a Doctorate Degree in Finance and is an associate professor of finance at The American College, and writes the “Ask Dr. Don” column for Bankrate. He says the following, about even automatic type mortgage accelerators:

They are “Not for the financially indisciplined. If any homeowner, real estate professional, lawyer, or accountant is interested in more detailed information and truly analyzing these equity accelerator programs… below are some links and information that should shed a lot of light on this particular topic.

… Of course, all borrowers already have that money available with a conventional mortgage, too — and without the cost of refinancing. A borrower would simply need the financial discipline to use all that money as an additional principal payment. …Interest savings are still available the old-fashioned way by making additional principal payments on a conventional fixed-rate mortgage.”

(maybe he should learn to spell undisciplined?)

3) Holden Lewis of Bankrate.com, agreeing with Dr. Don, also warns “Don’t pay ANY Money to a third party to help you set up a [equity accelerator] mortgage payment,” in Paying for biweekly mortgage program makes no sense.

4) Greg McBride, senior financial analyst for Bankrate.com, in the Miami Herald “McBride added that homeowners could better put their money to use in a Roth IRA or education funds, instead of funneling money into a mortgage accelerator.” Reff (Miami Herald 5/21/2007 Quick-pay mortgage system isn’t for all):

5) Ben Stein (economist, writer, and funny guy) graduated from Columbia University with honors in economics. He graduated from Yale Law School as valedictorian of his class. He has worked as a poverty lawyer in New Haven and Washington, D.C., a trial lawyer at the Federal Trade Commission in Washington, D.C., a university and law professor at American University in Washington, D.C., at the University of California, and at Pepperdine University in Malibu, CA. At Pepperdine, Mr Stein has taught about securities law and ethical issues since 1986. Ben has written and published sixteen books, and nine nonfiction books about finance and ethical and social issue in finance…. plus most folks have probably seen him on TV.

In “When Paying Off Doesn’t Pay”, Mr. Stein writes “First, no one ever spent a sleepless night because she had millions in the bank and stocks but didn’t have her home paid off. On the other hand, if you pay off your mortgage and deprive yourself of liquidity, you could be in for some miserable times.

As I see it, if money is even the slightest bit tight, hold onto it and pay off the mortgage month by month. There’s nothing magically good about having a paid-off mortgage, but there’s something seriously bad about Not having ready liquid assets even if your home is paid for. …”

6) Carolyn Bond, CEO at the Consumer Action Law Centre in Melbourne, Australia. Anon-profit, funded by the Legal Aid Commission and the Government Consumers Affairs Office (Consumer Affairs Victoria):

In “Mortgage Accelerator Under Fire; Australian Securities and Investments Commission taking action against mortgage brokers” Carolyn Bond says,

“Consumer organizations such as ours, and our national financial services regulator - Australian Securities and Investments Commission (ASIC) - concluded years ago that there were no savings to be made, and that promoters were engaged in unlawful conduct. Examples and charts showing massive savings have all been shown to include significant increases in payments being made to the mortgage.”

As a follow-up Carolyn also points out: “I’ve seen it argued that these plans have a psychological impact; that borrowers are less likely to spend money if they know it’s coming out of their mortgage. We’ve seen that it can work in the opposite way. Some borrowers can’t stick to the plan, or don’t see the promised benefits, they then feel as if they have failed, or they realize they’ve got into something that is a con – and they feel they have much less financial control than they had originally.”

7) And … (short and sweet)… Steve Sushner, a Real Estate, Estate Planning, and Housing Attorney writes, “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)….”

8 ) There are also many examples of other independent 3rd parties all over the internet, who have similar opinions and have been posting, blogging, etc… to help inform the public about the true facts behind these equity accelerators, and exposing the deceptive claims of magical savings without spending income or changing lifestyle.

9) Robert Grauer, Ph.D., University of Miami: 2007-05-27 The Miami Herald:

“I was shocked to read the Money Merge Account article [in the Miami Herald]. I am not opposed to prepaying a mortgage, I’m only opposed to paying $3,500 for the privilege of doing so.
The identical savings used in the example could be achieved by paying an extra $582 each month [from someone’s discretionary income].

Is that simple fact worth $3,500?

Why would anyone purchase a program when there are multiple online mortgage calculators for free that tell you the same thing?”

10) Manuella Adrian: The Miami Herald:

“I must take exception with the Money Merge Account. The strategy and services it offers — doing certain financial calculations for the borrower for a sign-up fee of $3,500 — provides scant savings and may bring more financial difficulties in the future if borrowers are unsophisticated or undisciplined.

The borrower is much better off using the $3,500 for the MMA sign-up fee to make a one-time extra payment to the mortgage principal.

Borrowers can calculate their own potential cost savings from extra payments to principal by using free Internet based mortgage calculators.”

11) IF you still don’t understand why Nationally syndicated Consumer Advocate Clark Howard thinks merge accounts “stink like rotting fish” then check out the discussions on his website and listen to his archived broadcasts at clarkhoward.com

12) Federal Trade Commission Information about debt consolidation and credit counseling.

Be wary of credit counseling organizations that:

* charge high up-front or monthly fees for enrolling in credit counseling or a DMP.
* pressure you to make “voluntary contributions,” another name for fees.
* won’t send you free information about the services they provide without requiring you to provide personal financial information, such as credit card account numbers, and balances.
* try to enroll you in a DMP without spending time reviewing your financial situation.
* offer to enroll you in a DMP without teaching you budgeting and money management skills.
* demand that you make payments into a DMP before your creditors have accepted you into the program.

NOW… for the actual truth:

In the late 1960’s an unknown account in the San Francisco California area introduced the first IRA.

All the experts lined up to call him a fraud and his idea a scam. Almost forty years later you can’t find one.
It shouldn’t be too shocking that the so called experts are yelling, kicking and screaming yet again. I was recently emailed this link to a website that had the above opinions of twelve “high profile experts” about the Money Merge Account.

It is very interesting to me that in reading through each and every one of the testimonials how they all are making assumptions about the UFirst product. They all are using their knowledge to predict the future for their clients based on the past ten to fifteen years. What they refuse to see is that the Real Estate wave is at its crest. Homeowners have listened to these “experts” for far to long. These “experts” still expect to be paid for their out dated information.

Beware of an ‘expert’ who professes to know all there is to know about his profession. I would rather one that was willing to study and learn and to not make assumptions. Their client’s are the ones that will be hurt in the end.

Watch the evening news. You will hear story after story of foreclosures and bankruptcies. Listen to the Home Owners that are interviewed. Who were they listening to that got them into the mess that they are in now?

One of your experts, from Florida, fails to tell the whole story. Florida is in a state of financial emergency. Thousands of home owners who believed in the advice by these so call experts got into option arm loans with little or no money down. If they built up any equity they quickly refinanced to pull all of it out to invest using their mortgage as their “greatest asset”.

These are the same people being interviewed on the evening news.

Know the bubble has burst, the wave has crested, and now homeowners with interest only payments, or Neg-Am payments are in for the shock of their lives. When the low introductory interest rate jumps it will swallow all or most of their discretionary income. Now, even if their credit hasn’t been knocked down by late payments they still can’t refinance because the reappraisals are coming in 20% to 30% lower that just one year ago.

In Florida, home of the lead “expert” that put this list together, people are abandoning their homes at an alarming rate. They got into these homes with no money down and have been paying nothing to principle. Now a home that they have no interest in, that originally appraised for $500,000. now appraises for $375,000. Does that sound like your greatest asset?

Here is Jubilee’s response to each of the 12 experts:

#1 The Money Merge Account with a HELOC helps pay down your mortgage, of course with your money. We don’t profess that this is fairy dust.

You still have access to your money through your HELOC. Without the HELOC it would be dangerous to send in a lump sum to your first mortgage, because once it is sent, you cannot get it back in case of an emergency.

No refinancing is required.

#2 As for the financially undisciplined–I hope you all have been through the client software training. If not do so ASAP. And as for being better for the client, being better served by just sending in the payment to the first mortgage–the experts don’t agree with each other. Without the HELOC the money cannot be accessed once sent in.

#3 I agree with–but we are not a Bi-weekly plan, so this expert is not referring to the Money Merge Account, are they This should point out clearly that due diligence has not been done concerning us, or that simple point would have been understood. It seems to me–assumptions were made.

#4 I wonder if he felt the same way forty years ago. Either way we can show the analysis both ways and the client can make that decision. I do believe that the client is smart enough to do so.

#5 HELOC again. Assumptions are being made yet again.

#6 As of yet no State Attorney General offices have contacted UFirst for running any ‘scam’. I am not sure what charts and graphs were shown in Australia. We are an improvement on the concepts used in Australia and are much more secure using a 2nd position HELOC.

#7 This guy is all over the place I suggest he attend a presentation.

#8 Last time I checked Mother Teresa nor her predecessor have a website to save the common home owner from the evil Money Merge Program. I do see plenty of others that have their own agenda’s and services to peddle, however.

#9 I am not sure which example he is referring to, but how is he going to access his equity without a HELOC?

#10 “Unsophisticated.” Does this word bother any of you?

I was chastised in person by a “Expert” Financial Planner who let his opinion of that word slip, and I quote: “ You know that the average home owner is too STUPID to have access to the equity in there own home.”

…and any tool offered for free is worth every cent.8)

#11 I have to admit that I like Clark Howard and I am not sure what he said so I will not comment on what he did or didn’t say, I hope that he didn’t assume anything without weighing all of the facts. However, we went to the Clark site as our opponent suggested and could not find information referring to us anywhere.

#12 I fully agree. We are not a DMP, so where’s the problem?

In a lot of the rebuttals I left out the most important Cog in the equation. The Money Merge Account program software. This is the tracking tool. It is the tool that all the others leave out. We all have tools that help us in all aspects of our lives. Can you do what the Money Merge Account does on your own? Yes, to a degree, but the software developed by United First Financial is working for you 24 hours a day 365 days a year calculating the fastest way to Zero. Our average client is finding over $150,000.00 in savings, and paying off their mortgages 20 years early.

Is that worth $3500? I know it is, and more importantly so do my clients!

Let me leave you with one other thought. These so called professionals know this industry is built upon your developed habits and conditioning. It is focused on ‘habit’…and aspect none of the so called ‘experts’ address at any time. The habits which are proven by the national trends, and is blatantly apparent by the lending industry. The fact is, our mortgages are created around that very set of habits.

This program helps people break those habits, by educating them and giving them first hand training in the affect their financial decisions have on their mortgages. If people would simply do this on their own, why haven’t they? The opportunity has always been there! Even these experts point that out. It’s because people won’t make those extra payments–and that’s where these experts make their money–from you.

They know full well their income comes from you staying in that cycle created by the industry. That is, unless they got with the REAL program, which is what we offer! FREEDOM!!

What scares and angers the “experts” who refuse to try the program, regardless of the guarantee, is that IF we are right (God forbid), they would have to admit they were wrong.

Ouch. Large birds don’t want to loose their perch.

I will not drag anyone into the lifeboat kicking and screaming. Nor will I quietly be burned at the stake, by the Nay Sayers, for knowing how to swim.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

P.S. No where in the Bible does it tell us to mortgage our home to the gills and speculate on the Real Estate or stock market. If this last line offends any of you. Maybe you deserve your mortgage.

May 19th, 2008, posted by admin

Paths OUT of Debt, Points of View, The Money Merge Account, Uncategorized No Comments

The Growing Choice for Professionals…

The Jubilee Project started out with nothing less than a desire to change the very financial future of American Families. A loft goal to be sure, but a probable one with a tool not far from becoming a household name: The Money Merge Account™.

This team, which has grown into an International Alliance was founded on common goals, common beliefs and a desire to take ‘teamwork’ to a new level. The key was simple: take responsibility for our own actions. It became a National Organization in less than 6 months, with agents in virtually every state. From cab drivers to rocket scientists, mathematicians to lawyers, we supported each and every background—which were wide and varied. All we ever asked for was a fire in the belly and passion in the heart.

The rest was just practice.

What transpired was unusual and unexpected. Professionals from across the country flocked to The Jubilee Project banner: mortgage brokers, owners of magazines, bankers, loan officers, real estate companies, insurance professionals and investment companies. The common thread was a desire to have associations with an organization/team which could support their desire to grow, desire to produce and a desire for full training and support.

Since then, The Jubilee Alliance has dedicated itself to the growth, support and training of it’s agents from United First Financial. Jubilee has become the #1 positive voice of United First Financial and the Money Merge Account™—anywhere. That statement comes from Skyler Whitman himself.

What does that mean to professionals searching for the right associations when they desire to offer this phenomenal tool to their current clients?

CONFIDENCE: They have a team who understands the intricate workings of this program, and who continue to educate themselves on the changes made inside United First Financial as well as in the field. The Alliance is the #1 priority to it’s Founders, who answer their own phones and read their own emails. This is not a hobby, it’s a way of life.

SUPPORT: The Alliance constantly upgrades their training, continually adding to their database and toolbox, for all agents to use. This team is plugged in to UFirst in many ways and strive to keep their finger on the pulse of change and development within this opportunity. With an established “system” in place, which includes a generic, Unbranded step-by-step process to adapt to their own business—professionals are never lacking the tools they need to succeed.

TRAINING: The Jubilee Project opened the doors to their training, created connections with other groups, specializing in training aspects and specific tools. Allowing teams to focus on their strengths has created a stronger synergy throughout the entire company when it comes to overall training. Jubilee is also currently responsible for producing Corporate podcasts, so that audio training tools are made available to agents everywhere.

The Jubilee Project has turned it’s focus to growth, now that it can easily support the volume of agents—something which was previously feared. Spanning the country, The Jubilee Project, and now the Jubilee Alliance welcomes professionals from all backgrounds and industries, who want to thrive in the current economy…not just survive.

Survival is not enough.

Give us a call today.
The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

May 19th, 2008, posted by admin

Building a Business, Points of View, The Money Merge Account, Uncategorized No Comments

HELP!!—I’m STUCK!

I have connections, but not the skill level yet—how can I move forward?

When The Jubilee Project runs local trainings on The Money Merge Account™, we get tough on people. However, we simply put the monkey where the monkey belongs.

When team members try to sell us on how great they are doing, they forget we know the truth. We can look up any person and verify progress in sales and team enrollment–and we do. We don’t criticize, we don’t challenge, we don’t say a word, because this is YOUR business. Ok, Jaime says something—but that’s Jaime, and you all know he’s actually a Teddy Bear—be it a big, loud, direct Teddy Bear.

You may have the whole world in the pipeline for all we can tell–until you come to us, whining that the ’system’ doesn’t work–the ‘program’ doesn’t work.

Tsk. Tsk.

We know very well that you’re better looking, smarter and more creative than we are. Not too hard to accomplish–but do you want to be better looking, smarter and more creative, or have a big paycheck?

The single greatest mistake new agents make is trying to sell something they just don’t know about from personal experience. The moment we saw what this would do, how it would improve our lives—we all bought the program. Those of you who have homes and don’t get on this program and have the ability to do so, should be on the program.

No, you do not have to buy the program to sell it. Absolutely not.

However, from a moral and ethical stand, when you’re trying to educate someone on something you don’t own it as well…in our opinion, that’s flat out dishonest.

The point here is: When you’re done reinventing the wheel, why don’t you stop making excuses and use what works? You have to choose at some time in this venture to do what you want to do—or make money. We assume you started your UFirst business to do the latter.

Most of the leaders in the Alliance do this full time, fully staffed and completely committed. Our whole foundation is teamwork and service driven. We have the pattern. We set the pace.

Use us up.
The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

May 19th, 2008, posted by admin

Building a Business, Points of View, The Money Merge Account, Tips, Uncategorized No Comments

What Many UFirst Agents Don’t Understand…

The Jubilee Project spends a great amount of energy finding prospects, talking to them, getting them to meetings and then walking them through the process of getting on The Money Merge Account™ (or converting current clients into agents).

I talked to one of my favorite people a couple days ago, who is a rare breed. He lives by ‘I’ll show you what I mean, not tell you’, and he has earned my respect in the shortest amount of time. He’s raised the bar for himself and his crew when it comes to recruiting, by hosting an opportunity meeting every week, as well as a Saturday training that same week. He works with his team, mailing invitations, talking, calling to fill that room every week.

Then came the first time he had to move from his original location. He had too many people coming to his office!

He had to do the opportunity meeting at a hotel instead.

When we talked the next morning, he told me how they handed out papers, explaining how to sign up for the program. People left without signing up on the spot.

What!?

This is all about timing, and working off the energy of the moment! You just had a room full of mortgage and real estate pros–you just showed them their saving grace financially, and you’re going to let them walk away without joining the team tonight?

Here’s a suggestion to all of you:
When you plan on having business opportunity events, make certain you have the means to sign people up the moment the show is over. Make it a part of the program!

‘Ladies and Gentlemen, for those of you who can see the financial power and value of this program, we want to get you started right now. For your convenience, we have provided laptops at the back of the room, which will allow you to sign up instantly, online.’ Have a table set up with Internet and allow people to sign up directly.

Or perhaps, ‘Ladies and Gentlemen, if you see the financial benefit of this program, we want you to start making money immediately. That starts with signing up with United First Financial. We are passing around signup forms. Please fill them out completely and we will collect them and submit them tonight.’ You can then collect the sheets, and split leads if you need to.

The point is-strike while the irons HOT, by providing SERVICE. Be helpful, be specific and guide them through the process—just like you would a wonderful family, who just found out they are going to save over $200,000 in future mortgage interest! Then get them into a training within 48 hours MAX. It will give them a 70% better chance of success in this business.

Those are numbers you don’t want to mess with.

Timing. Service.

Follow-through, follow-through, follow-through.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

May 19th, 2008, posted by admin

Building a Business, Points of View, The Money Merge Account, Uncategorized No Comments

The 90 Day Migraine

You’re an agent for United First Financial. You know there is at LEAST a 90 day learning curve. Now this doesn’t mean learning how the program works. In fact that doesn’t even mean you learning the presentation so you can talk to people. Those things can be done in a matter of hours or days.

What that actually means is the minimal time you need to spend IN THE FIELD, SELLING THE PRODUCT before you can expect consistent financial results. For some of us, it took longer. Other made sales within days. Yet that same 90 day curve has remained the norm for 99% of the Agents of United First Financial.

Does it really take 90 days?

Nope. The Jubilee Project is just saying that’s the average agent norm.

What does it take to succeed at this financially? What if we decided to be honest with ourselves and looked at our commitment level?

There are many good examples of people knowing what this opportunity really means, and what kind of financial future this will bring to themselves and their loved ones. This is not merely a great program. For many of us, this is the first (and perhaps the last) legitimate opportunity for creating substantial wealth and a glorious future for our posterity. One without poverty or financial struggle. We’re not talking about selling the program…we’re talking about USING the program!

How much is that worth to you?

I think highly of Kim Smith. She was the very FIRST person, when I was new to UFirst, who offered help. I didn’t understand the math in one of the classes at corporate, and was very embarrassed. I felt stupid, because I just didn’t get it.

Kim sat next to me and answered my questions as best she could, even though she was new to this as well. She was committed and she never stopped. How can you not respect someone like that?

We have an agent who heard about the Money Merge Account™ and wanted to help those around him. No one would take him as an agent. He walked around for WEEKS with $150 in his hands, asking agents to take him and was rejected. Why?

Because he was homeless.

Now, we know for a fact that most other agents would have laughed at that and walked away, but The Jubilee Project said ‘we’ll take you’.

This man turned in his first sale after almost 10 months of constant rejection! Can you imagine working on this opportunity as hard as you can for 10 MONTHS with constant rejection? Would you last that long? COULD you last that long??

Yet this agent called up excited, elated, and proud of his accomplishment.

Rightly so. He’s the very best example of determination and perseverance.

Where is he now? Working on his second sale.
THAT is commitment.

I personally know of two agents who have gained the support of their wives and children, and have had such low points during this process, they had to farm out their kids to friends and relatives because they didn’t have enough food in the house. These men aren’t stupid. They had earned enough most months to get by, but knew it would take time. I talked to their wives and they are PROUD of their husbands for working towards something so worthwhile! They were willing to make that sacrifice. Can you imagine that? They also told me the children never knew—they just thought it was wonderful to have so many activities and sleep-overs.

These two men have since become very successful and make full-time livings selling the Money Merge Account program.

We know of men who were on the verge of Bankruptcy, who push night and day. Not because of desperation, but of conviction and commitment to this program and what they can see a few steps away: a glorious financial future. They made the commitment to give it all their attention, effort, talent and determination to make it work. They did make it work, and now they steadily make more each and every month, just by doing the right thing for the right reason—and they are living a better life than they ever had before!

I personally talk to men and women working nights, weekends, holidays (yes, that means we work them all too) or emailing me at 3 AM in the morning (including one of the UFirst Co-Founders, Skyler Whitman). These people are determined to build a successful business and in some instances, simply don’t have the advantages of you professionals out there who can simply plug this product into your current business and run with it. They have to struggle, find leads, knock on doors, be creative and wade through countless rejection to achieve the phenomenal results they now produce.

Yet to many, they just seem ‘lucky’.

Let’s all take a step back and look again at why so many tens of thousands of people have made a commitment to succeed at building their Money Merge Account business and do the same.

The rewards will cover the price paid a thousand-fold.

God Bless,
The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

May 19th, 2008, posted by admin

Building a Business, Points of View, The Money Merge Account, Tips, Uncategorized No Comments

Organization

…I struggle with keeping track of so many appointments, and I know it’s a learned skill. Pointers??

“PAPER is the perfect memory.”

People who want to appear clever rely on memory.

People who want to get things done make lists.

Even if you are good at remembering things, write them down. That way you don’t have to remember them, and your mind can be free to pursue more creative avenues.

Make notes of phone conversations. Record little facts about those you talk to, such as locations, family facts, goals, concerns and more while talking with clients over the phone, to spark your memory of the events when you talk next. It will personalize your meetings and you will gain confidence from those you serve.

Categorize your phone contacts on your cell phone, so you see the names of those you work with before you answer. These things may seem small—but when they come in handy, they come in handy. Trust us, you want as many advantages when presenting the Money Merge Account™ as possible. The Jubilee Project has learned that you must be clear, concise and accurate as much as possible.

Don’t “wing it”.

Make lists of things to do, people to call, letters to write. Keep in mind that you are in business for yourself, which requires considerable effort to fulfill those dreams of success.

This is what we do.
This is what we hope you will do.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

May 19th, 2008, posted by admin

Points of View, Tips, Uncategorized No Comments

Longevity & United First Financial

We’ve heard people quote: ‘It’s better to ask forgiveness than to ask permission.’ Yet, not until you find yourself in a very sticky situation do you feel the weight of that decision, as well as the waves of vengeance the wrong move can generate!

This opportunity will help thousands upon thousands of families before long. Educating people is not always easy, as The Jubilee Project has learned when explaining the Money Merge Account to individuals with closed minds. However, we WILL save a great many families from debt and help them build security. It’s not a hope; I personally believe it’s a fact–so long as we work together, work smart and stay compliant.

Don’t pee in the pool and everyone can have a nice swim.

I learned a hard lesson when I created something which got out of hand–and it was not completely UFirst compliant. It was the one time I didn’t check with UFirst first, listened to someone else who had an overdeveloped sense of urgency and the results could have been terrible.

No, what I was teaching wasn’t wrong. However, we must be very careful in how we educate the public, how we present ourselves and how we are of service. A lack of education is never as bad as MIS-education, and that’s why UFirst goes to great pains in making sure our training is as complete as possible, to insure we provide potential clients with the correct information.

It could mean the enduring prosperity and longevity of United First Financial-or the end of the greatest opportunity this country has seen in 20 years.

Which do you want to see?

Don’t find yourself making the mistake of successful people in other companies who thought their fame and fortune gave them an automatic blanket of immunity to such rules and regulations. This isn’t just about you or me—it’s about everyone as a whole. What you personally do affects the food on my child’s plate—and that’s a place you simply don’t want to go. If UFirst gets tougher and more strict, view it as a good thing—because the focus in on us and providing longevity to this opportunity. Our job is simply to follow the rules.

Make sure everything you do is 100% compliant, or you may find the chance of a lifetime becoming ‘the one that got away’.

3 Do you see longevity with UFirst?

We’ve heard people quote: ‘It’s better to ask forgiveness than to ask permission.’ Yet, not until you find yourself in a very sticky situation do you feel the weight of that decision, as well as the waves of vengeance the wrong move can generate!

This opportunity will help thousands upon thousands of families before long. Educating people is not always easy, as The Jubilee Project has learned when explaining the Money Merge Account to individuals with closed minds. However, we WILL save a great many families from debt and help them build security. It’s not a hope; I personally believe it’s a fact–so long as we work together, work smart and stay compliant.

Don’t pee in the pool and everyone can have a nice swim.

I learned a hard lesson when I created something which got out of hand–and it was not completely UFirst compliant. It was the one time I didn’t check with UFirst first, listened to someone else who had an overdeveloped sense of urgency and the results could have been terrible.

No, what I was teaching wasn’t wrong. However, we must be very careful in how we educate the public, how we present ourselves and how we are of service. A lack of education is never as bad as MIS-education, and that’s why UFirst goes to great pains in making sure our training is as complete as possible, to insure we provide potential clients with the correct information.

It could mean the enduring prosperity and longevity of United First Financial-or the end of the greatest opportunity this country has seen in 20 years.

Which do you want to see?

Don’t find yourself making the mistake of successful people in other companies who thought their fame and fortune gave them an automatic blanket of immunity to such rules and regulations. This isn’t just about you or me—it’s about everyone as a whole. What you personally do affects the food on my child’s plate—and that’s a place you simply don’t want to go. If UFirst gets tougher and more strict, view it as a good thing—because the focus in on us and providing longevity to this opportunity. Our job is simply to follow the rules.

Make sure everything you do is 100% compliant, or you may find the chance of a lifetime becoming ‘the one that got away’.
The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

May 19th, 2008, posted by admin

Points of View, The Money Merge Account, Uncategorized No Comments

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