If you find yourself faced with your home foreclosed make sure to investigate your rights and the foreclosure redemption period for your state. Each state has its own laws on foreclosure. It can vary from state to state and also differ if you are a trust deed state or a mortgage state.

My Family has faced hard times in the past but since we have started our Money Merge Account System from United First Financial we sleep well at night and have peace of mind that we are on our financial track to being mortgage and debt free sooner than later.

I thought to myself here is my chance to steal a bit of media so I e-mailed the columnist who answered the question. In addition i searched for more of these expert forums. In doing so I can across Dr. Don Taylor of Bankrate.com. Dr. Don writes a column on bankrate discussing and answering everything financial. While I never heard back from the MSNBC columnist, Dr. Don wrote me back in a quick manor. After a few weeks this was published  ‘Mortgage Accelerator’ loans come to U.S. I had no clue what I was in for. For the next few weeks my office could not answer phones fast enough.

But this odd question continued to be asked, “Can I offer this product?” I would politely ask if they have a mortgage license and the conversation would end with a “NO.” After about the 50th call like this I finally had someone ask me if this was the same as the Money Merge Account. I had no clue what they were talking about. So as a good business person I Googled the name and found there was a live presentation that night right in my town of San Diego, CA. I quickly got dressed in a pair of board shorts, t-shirt, sandals and a backwards hat and headed out the door for a recon mission.

That night Mac Saunders, Director of Sales and Don Jorgenson, Co-Founder gave the presentation for local agent Keith Eisberg. Unfortunately for Keith, Mac and Don had to leave and catch a plane back to Utah. Keith was left to answer questions and unfortunately was a fairly new agent with UFirst. To make a long night short I answered many of the questions that night. Upon completion of the event I asked Keith how to get started. He gave me his card and said to call. I was so anxious I called Keith the night and for some reason he said that this business was not right for me.

Well I embarked on a journey to find a sponsor and back to Google I went. The first person I found was on myspace.com and had his number posted. Jarrett Holmes out of North Carolina was the next up. Jarrett answered his phone and instantly was brutally honest with me. He said I am brand new and cannot answer your questions. So Jarrett put me in touch with Richard Schaffer and after a few days and hours of conversations later I was set to fly to Florida to meet Richard, Jarrett and the owners of United First Financial.

The rest is history and today I am proud to be associated with Jarrett, Rich and many other mentors. I might not be 1 of 9 Senior Executive Branch Managers in the company without this chain of events. Today, I do not know where Keith is but I can tell you I think this business is somewhat right for me and I think Jarrett could argue that point also.

But the moral of the story is at the end of the day you have no clue who has the passion and desire to make a difference. I was not then a believer that the Money Merge Account was for everyone, nor am I now I can show you real life results on what is has done for my clients and myself. I do not care what walk of life you come from or what you have or have not achieved, if you are coachable you can learn to help others get out of debt with the Money Merge Account. Donald Trump knew nothing when he was born and he still knows nothing about many things but what he focused on he succeeded at and you can do the same.

If you are an existing United First Financial Agent check the back office for the new FAQ section for great info.

True Cost can also be projected on a future purchase giving you the ability to make a smart and educated financial decision on a purchase and see how it will impact you in the long run. The true cost feature give you the ability to see the time value of money for your exact financial situation.

For more information on the Money Merge Account visit United First Financial.

Next let’s take a look at the name of the product, Money Merge Account. While this program started as a mortgage acceleration program they chose not to call it the Mortgage Pay Off Quicker Program. They named it appropriately the Principal First Account. Yes, you heard me right. The very first name of what we now cherish as the Money Merge Account was the Principal First Account. Now Principal First Account is a pretty darn good name also but unfortunately the word principal is trademarked in the financial services area. Is that crazy or what? You can trademark the work Principal? Maybe I can trademark the word THE.

Anyway after they realized they had to change the name they decided upon the Money Merge Account. The specific nature of this is spot on perfect and yet very vast and universal. As we just merged to the new version 4 of the Money Merge Account program it now can focus on debt for a person who does not have a mortgage and the name still fits perfect. I have wanted to share the forward thinking of those who are behind the scenes making decisions that impact thousands of agents and thousands more clients.

In mathematics, the factorial of a non-negative integer n, denoted by n!, is the product of all positive integers less than or equal to n. For example,

n!5 = 1×2x3×4x5=120

n!6 = 1×2x3×4x5×6=720

n!12 = 1×2x3×4x5×6x7×8x9×10x11×12= 479,001,600

n!13 = 1×2x3×4x5×6x7×8x9×10x11×12x13 = 6,227,020,800

where n! represents n factorial. The notation n! was introduced by Christian Kramp in 1808.

If you are wondering what the heck is that let me explain. The average American has 13 active accounts on their credit report. If these accounts all carry a balance there is more than 6 Billion ways to pay off those 13 accounts. Let’s make it a little simpler. Grab a standard box of 12 crayons and find a giant wall. Take those 12 different color crayons and make a small mark on the wall with each color in a progressive order in a line. Now start a new line and put the crayons in a different order. How many different patterns can 12 crayons make? Over 479 Million. I hope you have a lot of time.

Now consider those same 13 creditors. On average 9 of those are credit cards and the other 4 are installment loans(car loans, mortgage, boats.) The Money Merge Account calls this strategic payoff. The strategic payoff will consider balance, interest rate, lenght of term and minimum payment to determin which debt to pay off first. You have full control and ability to over ride the system for emotional reasons, but I warn you that if you do it will instantly show you how much interest you are lossing by changing the suggested payoff cycle.

While keeping a mortgage may sound contradictory to the Money Merge Account it is actually a perfect compliment. The Money Merge Account will amplify the equity position of a homeowner giving them additional equity they would have never had to harvest.While following this path a client does not have to lower their acquisition cost either.

Doug made the announcement at the convention followed by a webinar with his T.E.A.M. to explain the strategic partnership and integreation of the Money Merge Account and Missed Fortune. This has already proven to be a very powerful formula for clients by many independent advisors throught the country. We are extremly excited to have the expanded knowledge and the support of Doug, Emron and Aaron Andrew.