United First Financial makes getting you out of debt their business. We all have felt the burden of owing a great deal of money to a third party. It is frustrating, stressful, and a drain on our quality of life. United First Financial has a Money Merge Account Program that can help liberate you from that burden and drain. Their early mortgage payoff plan can save you tens of thousands of dollars on interest fees that would have gone straight into the bank's pocket.
Industry leading publications like Mortgage Planner and Professional Real Estate Investor praise United First Financial for their innovative thinking, smart strategies, and genuine care for the consumer.
On the United First Financial website, you can find many video testimonials from consumers who were liberated from their financial burdens through United First Financial's trademarked early mortgage payoff system. You can see the delight on the faces of these users. It feels that good to actually see that mortgage principal going down without shelling out thousands and tens of thousands of dollars in interest charges and fees.
United First Financial tested their early mortgage payoff system for a year in limited markets to ensure it was viable for the average person. To everyone's amazement and delight, the test market was a universal success and homeowners were paying off their mortgage and consumer debt twenty-percent faster!
Since that test market, the Money Merge Account program that offers early mortgage payoff grew exponentially. Homeowners in the US and Canada are closer than ever to freeing themselves of the financial shackles a mortgage brings with it. Demand continues to grow for United First Financial's strategies and programs. This breakthrough in money management and early mortgage payoff could not be held secret for long.
On the unitedfirstfinancial.com website, clients of the Money Merge Account program can log in to view the details of their account at any time. For those that are just considering options in the early mortgage payoff area, there is an extensive compilation of data regarding the Money Merge Account Program, so you KNOW what you are investing in. A lot of early mortgage payoff programs out there like to over-promise and under-deliver, by providing as minimal information as possible in order to get people to enroll. United First Financial takes a different stand and strives to educate the consumer while improving their quality of life.
The Money Merge Account Program offers users the ability to reap the benefits of an early mortgage payoff without sacrificing current quality of life and robbing themselves blind. Through tried and tested strategic interest cancellation coupled with wealth building power, clients save more money than they could have ever imagined. Let United First Financial be your guide to financial freedom and early mortgage payoff. Head over to for more information.
America has always been a nation of consumers and the American people have always enjoyed one of the highest standards of living in the world. Something else has contributed to this national crisis.
What has changed in the last several decades is that we have developed very sophisticated technology to acquire debt. Debt acquisition is as close as your cell phone or personal computer and can be accomplished in a matter of seconds.
However, we have been slow in developing such sophisticated systems to manage that debt at the consumer level. We have been the victims of a technological gap between debt acquisition and debt reduction.
If you do not manage your debt, it will manage you. Or more precisely, your creditors will manage your debt for you and they will, of course, manage it in a way that is most favorable to them, not necessarily you.
At the consumer level, we tend to keep our debts separated, divided, and isolated in separate accounts, making it impractical, until recently, to strategically manage that debt.
Modern technology has been employed by a variety of financial service companies for managing internal debt but have only recently become affordable for the average consumer.
Debt elimination programs have been popular in other countries. In this country, however, it is a relatively new opportunity to systematically manage our personal and consumer debt. We now have access to affordable technology to manage our debt rather than allowing it to manage us.
A technology based system does not consist of these types of programs.
It is not a set of instructions or a "How To..." manual from any number of experts which only tell us what we already know; instructing us to "stop spending so much money", or "cut up our credit cards". It is not a "makeover" system which painfully rearranges our daily spending patterns.
It is not a general ledger or budget for eliminating debt which doesn't reflect our preferred spending patterns.
It does not involve the refinancing of existing debt or consolidating smaller short term debts into larger long term debts. It is not a non-conventional or re-calculated payment schedule. It does not involve negotiating with your creditors or any means of debt reduction which avoids the repayment of legitimate debt on a dollar-for-dollar basis.
Just like the bank model, modern debt management systems are integrated with your daily and monthly financial transactions. They are dynamic. Modern debt management systems have the ability to analyze and manage all of your debt, including your mortgage debt, side by side in a single environment and make strategic adjustments based on your daily or monthly cash flow.
A modern debt management system is programmed for liquidity. Liquidity is to debt what water is to fire. If you have an abundance of liquidity, you could be out of debt in very short order. On the other hand, if you have a shortage of liquidity, it could take decades to get out of debt.
A modern debt management system focuses on ways to harness current liquidity and seeks to fully develop your potential future liquidity. It harnesses your ability to cancel interest and apply more liquidity to principle balances. It can develop multiple sources of liquidity and utilize that liquidity as leverage against debt.
Because of the importance of liquidity, modern and effective debt management and debt reduction systems are fully integrated with your current monthly income and expense cash flows. That is not to say that increasing your income and/or reducing your expenses is a requisite. A good debt management system takes advantage of existing cash flow, not necessarily changing it.
A modern debt management system is relatively painless to follow and does not require significant changes to your established spending patterns. It can be set to aggressively pay down debt, to maintain a certain level of debt but reduce the carrying cost, or fund a retirement or college savings plan.
Modern debt management technology can be somewhat costly. However, in terms of future interest savings, they can make up the cost of the system in the first few months of use and, over time, produce interest savings in excess of the total amount of current and future debt.
An inexpensive or do-it-yourself system is probably not a good alternative. While some level of success could be expected, one would not be capable of producing the same results as a more comprehensive and sophisticated system.
Any current financial plan worth its' weight in paper should address both sides of the balance sheet and include a modern debt management system.
Both Owasis & David Haslett are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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