What Were Your Childhood Dreams?

Debt Destroys Our Dreams

Statistics on Debt Debt Destroys Dreams

More than 40% of American families spend more than they earn.

(Federal Reserve)

Who Files Bankruptcy? Well educated, middle class baby boomers

with big time credit card debt. (University of Texas study printed in Wall Street Journal)

In 2008, more people will file for bankruptcy than will graduate from college. (Bureau of Labor Statistics Consumer Expenditure Survey)

Could we achieve more, if we were not slaves to the lender?

1 9 2 9In – 2 % O n ly o f h o m e s in A m e r ic a h a d a m o r t g a g e a g a in s t

. 9 8 % t h e m w e r e M o r t g a g e F R E E

1 9 6 2 In - 9 8 % had a M o r t g a g e A g a in s tt h e m

(Christian Financial Concepts)

The Economic Meltdown New Home sales tumbled to a 17 year low in

August 2008. Associated Press 9/25/08

Nearly 6 out of 10 Americans believe a “Depression” is likely. CNN 10/6/08

Many more banks could fail. CNN 10/6/08

The U. S. could see 25% unemployment rate and millions of families homeless & hungry. CNN 10/6/08

760,000 jobs have been lost so far this year! Bureau of Labor Statistics 10/30/08

One quarter of U.S. employers expect to lay-off workers in the next 12 months. Consulting firm Watson Wyatt – Reported by CNN 11/2/08

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“ We can't solve prob lems by using the same kind of thinking we used when we created them.  ”    

Albert Einstein 

We Must Change Our Habits!

7 5 % R e p lie d t h a t b e c o m in g a n d s t a y in g d e b t f r e e w a s

t h e n u m b e r o n e k e y t o b u ild in g w e a lt h … remember

wealth is assets minus liab ilities.

, W h e n s u r v e y e d t h e Forbes 400 w e r e a s k e d “ W h a t is t h e m o s t

?im p o r t a n t k e y t o b u ild in g w e a lt h ”

“ T h o s e w h o u n d e r s t a n d in t e r e s t

a r e d e s t in e d t o e a r n, i t w h ile t h o s e t h a t

’ d o n t a r e d o o m e d t o .p a y it ”

What if you could… Become debt free &

begin to create wealth in 1/3rd the normal time without: Changing your

standard of living Refinancing any of your

debts Changing your current

monthly payments 10

Skyler Witman

John Washenko

•1997 Accelerated EquityOne of Utah’s Fastest Growing Companies in 3 Years

They Sought This Cure…Because TheHome WasAn ATM INDisguise!

2002 Focused on Cure For ClientsSaw both their parents face foreclosure while growing up.

•2005 Money Merge Account (MMA)2005-2006 The “Denver 400” Project – Beta Test

•2006 UFirst Financial LaunchesIn 12 Months…UFirst From 10 Agents To Over 28,000. •2008 – Now over 50,000 clients!

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Why This WorksThe 3 Power Principles of Money

• The Time Value of Money•Who is your $$$ working for?

• Strategic Payoff•What is the fastest path to zero debt & wealth creation?

• Consequences of our $$$ Decisions•We need a financial dashboard.

All Managed by Highly Sophisticated AlgorithmsWith real time fluid results and positioning.

Principal Interest Balance Equity Paid

Month 1

Month 2

Year 1

Year 5

Year 10

Year 21

Year 30 $431,677

$199.10 $1,000.00

$200.10 $999.00

$210.33 $988.77 $197,543 $2,457 $14,389

$267.22 $931.88 $186,108 $13,891 $71,946

$360.44 $838.66 $167,371 $32,628 $143,891

$696.23 $502.89 $99,877 $100,123 $302,173

2 0 0 ,0 0 0 $ P r in c ip a l B a la n c e 6 % In t e r e s t R a t e

1 ,1 9 9 .1 0 $ M o n t h ly P a y m e n t

S a m p le F a m ily

$5,000 Monthly income-$4,000 Living expense (mortgage, car payment)

$1,000 Discretionary income

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Our Way

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Our Way

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Why This WorksThe 3 Power Principles of Money

• The Time Value of Money•Who is your $$$ working for?

• Strategic Payoff•What is the fastest path to zero debt & wealth creation?

• Consequences of our $$$ Decisions•We need a financial dashboard.

All Managed by Highly Sophisticated AlgorithmsWith real time fluid results and positioning.

Strategic Pay Off ExampleHow Would You Pay This Off?

$21,5387%

Line of Credit Balance $4,309

6.125%Furniture

$27,75316%

Credit Card

$42,2962.75%

Auto Loan

$200,0006.0%

Mortgage

$7,7539.125%Boat Loan

Math – Working For or Against Us?

Strategic Payoff Example

What is the best way to use $5,000?

Strategic Pay Off Example

Strategic Pay Off Example

Financial GPS

Imagine using a Smart Money System that shows you how to keep more of your hard earned money

and put it to work for you.

Financial GPS

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Why does this work?The 3 Power Principles of Money

• The Time Value of Money•Who is your $$$ working for?

• Strategic Payoff•What is the fastest path to zero debt & wealth creation?

• Consequences of our $$$ Decisions•We need a financial dashboard.

All Managed by Highly Sophisticated AlgorithmsWith real time fluid results and positioning.

Cancel Debt, Increase Equity, Build Assets

A Tale of Two BrothersA Tale of Two Brothers

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Brother A: Opens a tax-deferred account at 10% at 22, and invests $5,500 a year for eight years, then stops investing.

Brother A

Age PaymentEnd of Year

AccumulationAge Payment

End of Year Accumulation

22 $5,500 $5,500 48 $0 $416,589 23 $5,500 $12,100 49 $0 $458,248 24 $5,500 $19,360 50 $0 $504,073 25 $5,500 $27,346 51 $0 $554,480 26 $5,500 $36,131 52 $0 $609,928 27 $5,500 $45,794 53 $0 $670,921 28 $5,500 $56,423 54 $0 $738,013 29 $5,500 $68,115 55 $0 $811,814 30 $0 $74,927 56 $0 $892,995 31 $0 $82,420 57 $0 $982,295 32 $0 $90,662 58 $0 $1,080,525 33 $0 $99,728 59 $0 $1,188,578 34 $0 $109,701 60 $0 $1,307,436 35 $0 $120,671 61 $0 $1,438,180 36 $0 $132,738 62 $0 $1,581,998 37 $0 $146,012 63 $0 $1,740,198 38 $0 $160,613 64 $0 $1,914,218 39 $0 $176,674 65 $0 $2,105,640 40 $0 $194,341

Total Contributions$44,000

-----------------------------------Total Accumulation:

2,105,640

41 $0 $213,775 42 $0 $235,153 43 $0 $258,668 44 $0 $284,535 45 $0 $312,989 46 $0 $344,288 47 $0 $378,717

This page is intended for education educational and informational uses and is not offered as or constitutes legal or investment advice. All figures are for illustrative purposes only, and do not reflect an actual investment of any product. Figures do not

reflect the performance risks, expenses or charges associated with any actual investment. Past performance is not an indication of future performance.

Brother B: Waits until he is 29, then invests $5,500 a year into a 10% tax-deferred account until he is 65 years old.

Brother B

Age PaymentEnd of Year

AccumulationAge Payment

End of Year Accumulation

22 $0 $0 48 $5,500 $343,154 23 $0 $0 49 $5,500 $383,519 24 $0 $0 50 $5,500 $427,921 25 $0 $0 51 $5,500 $476,763 26 $0 $0 52 $5,500 $530,489 27 $0 $0 53 $5,500 $589,588 28 $0 $0 54 $5,500 $654,597 29 $5,500 $5,500 55 $5,500 $726,107 30 $5,500 $12,100 56 $5,500 $804,768 31 $5,500 $19,360 57 $5,500 $891,295 32 $5,500 $27,346 58 $5,500 $986,475 33 $5,500 $36,131 59 $5,500 $1,091,173 34 $5,500 $45,794 60 $5,500 $1,206,340 35 $5,500 $56,423 61 $5,500 $1,333,024 36 $5,500 $68,115 62 $5,500 $1,472,376 37 $5,500 $80,977 63 $5,500 $1,625,664 38 $5,500 $95,125 64 $5,500 $1,794,280 39 $5,500 $110,688 65 $5,500 $1,979,758 40 $5,500 $127,807

Total Contributions$203,500

--------------------------------------Total Accumulation:

$1,979,758

41 $5,500 $146,638 42 $5,500 $167,352 43 $5,500 $190,137 44 $5,500 $215,201 45 $5,500 $242,771 46 $5,500 $273,098 47 $5,500 $306,458

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True Cost – Our consequences

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Features and Benefits of the Money Merge Account Version 4

• Best Time to Buy• True Cost• Strategic Debt Elimination• Aggressive scale• Access from cell phone via text• Pay bills • Full, Semi, or optional Automation• Access from any internet connected computer• Works on Mac and PC• Tracks Multiple Loans & Investment Properties

“We are losing our middle class, and a shrinking middle class is a threat to the stability of America and to the world democracy itself.” Donald Trump & Robert Kiyosaki

Is your current plan working? “Should you find yourself in

a chronically leaking boat, energy devoted to changing vessels is likely to be more productive than energy devoted to patching leaks.”

Warren Buffet

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The Next Step is to Get your FreeMoney Merge Account Software Analysis

Generic Analysis #1 Mortgage - $197,500 Credit Card 1 - $7500 Car Loan - $40,000 Credit Card 2 - $5000 Furniture Loan - $2850 - 2 5 2 ,8 5 0T o t a l D e b t s $

Pay-off with the MMA = 9 .9 y e a r s

1 4 8 ,3 3 8 S a v e s $ in in t e r e s t

Only uses $200 per month discretionary income

Side by Side – Analysis #1 Current Debt Structure

Principal Paid Year 1 - $12,916 Year 2 - $26,770 Year 3 - $41,184 Year 4 - $55,613 Year 5 - $59,370

Money Merge Structure

Principal Paid Year 1 - $21,019 Year 2 - $41,569 Year 3 - $63,514 Year 4 - $86,823 Year 5 - $111,570

Time Value of Money – Analysis #1 Once paid off, amount of

money in the bank for retirement at the end of the 30 year period of time:

Current Structure 0 (Zero)

Once paid off, amount of money in the bank for retirement at the end of the 30 year period of time:

Money Merge Structure $ 858,565 @ 3% $1,063,774 @ 5%

Generic Analysis #2 (U First Agent) Mortgage - $197,500 Credit Card 1 - $7500 Car Loan - $40,000 Credit Card 2 - $5000 Furniture Loan - $2850 - 2 5 2 ,8 5 0T o t a l D e b t s $

Pay-off with the MMA = 4 .8 y e a r s 1 9 0 ,7 9 6 S a v e s $ in in t e r e s t Based on just 2-3 sales per month as a U First Agent Added $3000 per month to discretionary income

Side by Side – Analysis #2 Current Debt Structure

Principal Paid Year 1 - $12,916 Year 2 - $26,770 Year 3 - $41,184 Year 4 - $55,613 Year 5 - $59,370

Money Merge Structure

Principal Paid Year 1 - $33,719 Year 2 - $78,265 Year 3 - $146,472 Year 4 - $212,816 Year 5 - $256,350

Time Value of Money – Analysis #2 Once paid off, amount of

money in the bank for retirement at the end of the 30 year period of time:

Current Structure 0 (Zero)

Once paid off, amount of money in the bank for retirement at the end of the 30 year period of time:

Money Merge Structure $2,475,426 @ 3% $3,276,383 @ 5%

In T h e la s t T w o Ye a r s W e In T h e la s t T w o Ye a r s W e H a v e H e lp e d H a v e H e lp e d

O u r C lie n t s P a y D o w n O u r C lie n t s P a y D o w n

of A d d it io n a l A d d it io n a l P r in c ip a l P r in c ip a l on their

Mortgages Results as of June 26, 2008

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United First Financial

Becoming a U First Agent United First Financial $175 one time fee

Income potential: $450 to $1500 per sale Plus Marketing Bonus Agent Overrides Branch Manager Training Bonus Pools

Ready to Get Started? Simply get back to the U First Agent who referred

you to this presentation. Get your questions answered. Get your own FREE anaylsis. Get started saving $$$ Get started making $$$ Get started helping others! “ It is one of the most beautiful compensations in life…that no

man can sincerely try to help another without helping himself.” Ralph Waldo Emerson

United First Financial™, its agents and subsidiaries provide Internet, Web-based software and support services. United First Financial does not provide accounting, tax, legal, real-estate, mortgage, or investment advice. Interested parties should seek and consult with persons or entities licensed and qualified in those areas for advice relating to those matters. United First Financial is not liable or responsible for claims or representations made by any party which are not included in the Money Merge Account™ Limited Guarantee.