Money Merge Account Client Speaks Out.

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!”

————-

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!

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Solar motion lights convert sunlight into security! Brookstone solar-powered outdoor motion detector lights provide added home security without adding wiring. Able to detect motion up to 50 feet away, this motion sensor light illuminates any area with a super-bright halogen bulb. Order some solar motion lights for those places on your property where writing is impractical, but security and convenience are essential. It's like having a watchdog on duty all night!

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Net Worth Software

75-Year Net Worth Projector:
By far the most powerful, functional, and flexible personal net worth projector ever created.

Control every number in every year. Integrate with RWR or RP retirement planners. Takes the data entered into the Net Worth Calculator (above), and then automatically forecasts everything into the future.

You have total control over every number in the 75-year window. It's the same 12 sheets as the Net Worth Calculator, but with nine more sheets. In addition to everything on the Net Worth Calculator, the Net Worth Projector has: A presentation sheet that shows all of the twenty account's annual values for 75 years, both in table and graphic form.

Assets are shown by all client accounts, all qualified, all personal, and total combined assets. Same for spouse, jointly held assets, and children's assets. An input sheet where you can control every year's value for all 500 assets, via year-by-year manual override for every asset's end of year market value, and rate of return.

Excel-based spreadsheet for forecasting net worth.

Time Value Software

Time Value of Money Calculator (Financial tools for the little jobs):

Financial planning software that has the usual time value of money calculators: Present value, future value, interest rate, payment, net present value finders, plus:

• The first six sheets of the demo are a large collection of free financial calculators. Most all free online financial calculators on other websites are here on an Excel spreadsheet that you can use offline.

• The most detailed mutual fund investment projector ever created. Input basic parameters, and see details about growth, shrinkage, taxes, basis, costs in percentages, etc. It's the same sheet carved out of the Non-Qualified Mutual Fund A-Share sheet of the Investment Comparator.

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• Average Tax Bracket Calculators.

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• Compound Interest rate comparator: Allows you to input and compare, on the same page, the growth (or shrinkage) of money given the three compound rates of return.

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• Calculate simple IRR based on a series of up to 360 cash flows.

• Inflation Adjusted Income Stream Generator: See how much money you can withdraw from an asset over any time frame, one asset at a time. It estimates how much you can withdraw every year without running out on money over time frames.

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Our #1 Software Pick for Finances

We use various software packages from video games and GPS systems to tax calculators and art creation suites...and this is by far the best program for money acquisition we have seen.

The Money Merge Account:
This is not just a software package, it's a program with complete support and lifetime use. Using advanced mathematical algorithms, this program calculates the optimum time to apply money to your primary mortgage, through a Home Equity Line of Credit.

It's focus is to minimize the costs to you, and maximize your effective use of each penny you spend. The result is paying off your mortgage and ALL OTHER DEBT in a fraction of the time you'd normally pay. The results are guaranteed in writing, and this author has purchased the software for his own home. The results are better than what they claim.

The author took his personal 27 year mortgage down to 6.4 years, including credit cards, 3 cars, 2 student loans and 4 medical bills. It also saved over $213,682.64 in future interest.

The software is only sold through franchise-type agents, which you have to find online. We found the program through The Jubilee Project.

Our two word review of this product: "HELL YA!"

Bond Calculator Software

Bond Calculators:

The bond calculator's demo has the most functional FREE bond yield to maturity calculator to ever be on the web. This investment software has:

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• Multi-year bond calculator: Input up to 25 bonds and get an overall portfolio yield up to 50 years.

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• Calculate annual amortization of premium and discounts on up to 25 coupon bonds. It keeps track of basis and the amount of capital gain or loss if sold before maturity.

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• Compute a coupon bond's current fair market value, and total return considering the reinvestment of coupons.

• Compute a zero coupon bond's current fair market value, and yield to maturity (or call).

• Muni vs. taxable bond breakeven rate calculator.

• Calculate different rates given different compounding periods (with graphs).

• T-bill yield and/or T-bill current market price finder.

• Bond equivalent yield - used to turn the 360-day T-bill rate into the 365-day rate.

• Simple current yield.

• CD equivalent yield (AKA money market equivalent yield - used to compare T-bills to 360-day money market instruments.

• Convertible bond calculators.

• Portfolio Yield Calculator: Calculates the combined average income/dividend yield on your total portfolio; how much income, or paycheck, your total portfolio will produce on a daily, weekly, monthly, and annual basis. Bond calculator spreadsheet for managing bond portfolios of up to 100 bonds or bond funds.

Investment Model Software

Investment Model Portfolios:
Consumers and investors - this investment software is the solution if you, or your advisor, keeps losing too much money. Over eight years of returns are shown for the Fee-Based model and over four years for the All-No-Load Mutual Fund and All-Load Mutual Fund models. This is a superb turnkey system, for both the professional advisor and the individual investor, that want to build a long-term, very low transaction, low risk, well diversified and allocated portfolio that matches investment risk-tolerance.

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