Still Life

Ok. I’d like to say that we are all doing just fabulous and that things will only be getting better from here, but, to be honest, the economy is really just trying to hang on. I don’t want to sound really negative but I wonder if we are at the point where we should no longer question: “Will it go down?”, but question instead: “When will it go down?” What do you think?

At this point I can see how getting a Money Merge Account just might be a little risky. Losing a house and all your credit with it doesn’t sound very exciting at all!

As I have said many times before, I don’t have a mortgage and I don’t have the Money Merge Account. It fascinated me for a while, but I’m not sure that it holds as bright of a future as I had thought it would. I still think it is, or was a good thing, and for those using the Money Merge Account, it will probably become something nice someday, but for those attempting to jump onto the bandwagon now… I wonder if that would really be a good idea…

I suppose since I don’t know all the ups and downs about the Money Merge Account and have never had one, there may be some nifty reasons why United First Fincancial agents think it is worth hanging on to, and they are welcome to comment here and tell me all about how great it is if they feel they have anything useful to give.

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

I am one of those people who likes to stand around the action, but not really get involved with either side… or not to a great degree, at least. I don’t have the Money Merge Account Program, but I do see very legitimate, valid uses for it! It is an amazing program. But what good is it for me to talk about it? Because it is all about the person who needs it. If they need it, it does not mean that they want it! If they are convinced that they don’t want it, even if they do need it, there is no reason in trying further to give it to them. But for those who recognize the power of the Money Merge Account, and want to take advantage of it, and it suits them and their lifestyle, they are going to be super pleased with it.

Such is the way it is with life, and the Money Merge Account, and any other product under the sun that people, need, don’t need, think they need, or think they don’t need.

It has been quite a while since I last wrote! I wish I could say I have learned all there is to learn in the time in which I was away, however, that isn’t the case. There is one piece of information which I found useful which I would like to post on, though.

The Money Merge Account seems to cost a lot! Right? Fortunately, United First Financial has it figured out so someone who wants to purchase the program doesn’t have to have all that money at once to pay for their program to get their mortgage(s) paid off more quickly and efficiently. I asked a question on an official UFirst blog: ProViews about this. I was wondering what if there was no way possible that I could ever come up with the money needed for the Money Merge Account Program, how would I pay for it? And I learned that this fee can be rolled into a heloc and just paid off as the mortgage was paid off.

It still may sound a little sketchy, but this simple question is often what makes people too afraid to even ask a UFirst Agent about the program. There is actually quite a bit of little things like this that are all worked out in advance, but people don’t hear about them or read about them much on the web. This is a good reason to call a UFirst Agent and see what they can tell you. As for me, I will continue to sit in the middle ground. I still don’t own a home, I’m not planning on becoming an Agent or trying to sell anything to anyone, I just like jumping into the middle of it all.

I am finally getting some answers to my questions and thrilled about it, too! Here is part of what one person emailed me regarding the functioning of credit cards with the Money Merge Account. David Edwards emailed me the following:

You asked a few questions here.

My understanding is that the Money Merge Account will not work with a credit card, but I’ve heard it can be amplified with a credit card. I don’t know how that works, but it seems to make sense that a HELOC would be needed as it backs up the program. It is something real, whereas a credit card is backed by nothing. It isn’t real money.

The Money Merge Account would work with a Credit Card, however it is not permitted by the company the reason for this is due to the fact that if you are late with one credit card the banks can all raise your interest rates and then it might not be as effective. You can use several types of lines of credit as the vehicle for the program. The first is a HELOC or home equity line of credit the next is a personal line of credit and the third is a business line of credit. What you have to have is an open ended line of credit with preferably an interest only payment option.

Where the credit card comes in is as a way to accelerate the program the amount of interest that you calculate is based on you keeping your balance down on you line of credit for as long as possible. If you were to charge all of your monthly expenses on a credit card and then pay that off at the end of the month in full you would accrue no interest on the credit card and have been able to keep your monthly income in the line of credit longer.

I hope that answers your question.

I am a broker and have been in real estate for the past 23 years if you or anyone has questions about the Money Merge Account please feel free to drop me a call or email me

He seems like a nice, honest guy! So I’ve provided his link here for people to visit, or, alternately, you can find it on my blogroll.

www.mortgagefreefinancial.com

Along these same lines, you can further read the comment by Travis by going to the topic HELOC, Credit Cards, and Money Merge and reading the comments.

Here’s the deal. If you read my last 2 posts about credit cards, HELOC’s, and the Money Merge Account, you’ll understand the question. What I’m looking for now is the answer. It seems that even official UFF agents don’t know the answer. I even had one of them contact me and say they would answer any questions I wanted to know. When I gave that person my questions and clarified that I would not be purchasing the Money Merge Account, or at least, not for a while, as I have no home or property and, therefore, have no need for it. I never heard from that person again.

I have called the guys at The Jubilee Project several times. They at least will answer my questions even though they know that I am not going to be purchasing the Money Merge Account. I just have questions and I want to be able to answer other people’s questions, too. So, any agents that are brave enough to respond? Here’s your opportunity! If you read this and don’t know the answer to my former question… find it out… or run and hide, as it seems some people do, because I’m not finding straight answers unless I call Jubilee.

I am looking to figure out how a HELOC and/or a credit card works with the Money Merge Account. I wrote a post a week ago hoping somebody would give me some answers, but so far, I’ve found nothing. Either people aren’t finding my blog, or they just don’t care.

But, seriously, I don’t know the answer to this question and I have been looking for it. I couldn’t even find it on my favorite websites that I go to when looking for information. As I said in the last MMA/HELOC/Credit Card post, I wanted other people’s knowledge on this, or even opinions. I don’t want to call somewhere and ask for answers if I can help it. As much as I love to learn, I’m not the type of guy who likes to talk on the phone very much.

So if anyone drops in for a moment and knows a little bit about the Money Merge Account and this subject, would you mind dropping me a comment or emailing me via the About page? I woud appreciate it. Thanks.

I have searched around trying to find an answer as to whether a Money Merge Account will work with a credit card, rather than a HELOC. I was not able to find any answers. I considered calling Jubilee as they have answered my questions before, but I decided instead to make a post on my site and see if anyone could offer any comments, as well as give them the opportunity to ask questions about the same subject.

My understanding is that the Money Merge Account will not work with a credit card, but I’ve heard it can be amplified with a credit card. I don’t know how that works, but it seems to make sense that a HELOC would be needed as it backs up the program. It is something real, whereas a credit card is backed by nothing. It isn’t real money.

There is a lot of information to be found regarding the Money Merge Account. Much of which is scattered between many sites, hiding deep on some remote page, or buried in the minds of someone who won’t reveal their secrets.

As I brought out in an earlier post, a team of agents that are working with the Money Merge Account under the name The Jubilee Project, have been working on a site that will do a better job of answering the Money Merge Account questions that people want to ask. Their new site is now working and available at the same URL as before: http://thejubileeproject.com

For anyone looking for information, they have a lot of content to check out, now. I played with the site a little this morning. It is divided into sections. Within each section are more sections for those who want more. For more information on the Money Merge Account, check out their site.

For those that have already decided that they definitely want a Money Merge Account, there are two important things that you should probably consider. Before you do anything, are you sure you’ve done your homework? My understanding is that the Money Merge Account does NOT work for everyone. There are some people I’ve found that say they have saved just as much money by simply using the concept, without purchasing an MMA. But, I’ve also heard of someone who nearly — if it hasn’t already happened — put their house into foreclosure by thinking they could do it themselves and found that they were wrong.

Know the people/groups through whom you plan on purchasing the Money Merge Account. I have met some people who say they have no problem with the software, but they aren’t happy with those they purchased it from because they find it extremely difficult to contact them or ask questions.

One useful thing to do would be to select someone from whom you plan on purchasing the MMA, then divide all your questions into three, or so, different groups. Write them down separately and call that someone who you chose, then ask them all the questions on the first list. Don’t ask any of the questions from the other lists if you can avoid it. Then wait a while and call that someone back saying you have more questions. Continue doing this until that someone you chose for the Money Merge Account has answered all your questions. Keep track of how he/she responded to you. Was he/she easy to get a hold of? Did he/she try to answer your questions, or better yet, actually answer them? Did he/she seem like someone you could contact later if you had any further questions?

If you don’t have a lot of questions, or don’t have ANY questions, call with comments. The point is, test the people from whom you plan on getting your Money Merge Account. Or you may be disappointed.

For those looking to become an agent for United First Financial, it is my understanding that the people you call will most likely be the people you sign up under, and the people you sign up under are NOT all the same. If you want to work in any field, leg, aspect of life — including as an agent who sells the Money Merge Account — you have to make sure you are backed by support, should you ever need it. Find that support. Find the group who will give you that support and help you to reach a point where you can stand on your own. This goes for anything you do in life. You shouldn’t be totally reliant on someone else, but there should always be someone there who is willing to help you through a rough spot.

In searching, I haven’t found customers dissatisfied with the Money Merge Account, but rather, I seem to have run into some dissatisfied agents because they signed up under what they refer to as their up-line and it hasn’t been very supportive.

Now for the rest of us. Remember what I said at the start of this post. The Money Merge Account is not for everyone. If you are sure you want an MMA, make sure you’ve done your homework.

Since I don’t have any need for a Money Merge Account, I’m adding links to a couple of sites that I have found recommended by a few customers as well as a few agents. There are only two so far, but there’s likely more out there. Both agents and customers seem to be satisfied with the following sites.

http://simplemma.com/

http://thejubileeproject.com/

I have come across several different places on the web where people claim that the Money Merge Account is a scam. “It is a scam!” Some people are so sure! But when I looked at their claims in a little more depth, I realized that there isn’t a single person who makes that claim who has purchased the Money Merge Account. On the contrary, I have found that there isn’t one person who has the product, and follows through with it, who isn’t completely satisfied. Those who claim it is a scam have nothing backing their claim unless they either, sell the product, or have purchased it and found for themselves that it was a scam.

I haven’t purchased it, as I have no need for it, so I can’t say that any of my claims are one-hundred percent legitimate. I can say, however, that there are many people out there who speak as if what they said was one-hundred percent legit, and it isn’t. It is difficult to make a decision because, if the Money Merge Account is a scam, someone selling it isn’t very likely to tell you that there is something wrong with their program. On the other hand, you can’t trust any of those who argue against it, because they don’t have a Money Merge Account, and therefore, despite all their reasoning, haven’t seen the real thing at work.

I actually find it a little humorous seeing so many people trying to say what they think a Money Merge Account is, and why it is a scam if it is what they think it is, when there are so many people who have an MMA and have no complaints.