While looking through some tweets on twitter, someone asked, “Can unmarried couples each claim the first-time homebuyer tax credit?” The answer is no. They can split the $8,000 credit. $4,000 a piece.

Additional Information

First-Time Homebuyers May Be Eligible for a Special Tax Credit on Their Purchase

Double credit for unmarried homebuyers?

Two Unmarried People Purchase a Home — Who Gets the New $8,000 Homebuyer Credit?

IRS Form 5405 First-Time Homebuyer Credit

I have heard so many reasons why one shouldn’t pay off his/her mortgage. Tax deductions, money for investments and the list goes on.

I came across this interesting piece from the NBC Today show. Financial Guru Suze Orman answers the question, Should I pay off my mortgage?

Start the new year with a powerful tool to help you grow your UFirst™ business: Success From Home. This national newsstand magazine, highlighting one company each month, has selected United First Financial® as the feature business for its February 2009 issue. From the publishers of Success magazine, Success From Home is distributed monthly at bookstores and retailers such as Barnes & Noble, Borders, Hastings, Books-A-Million, B. Dalton, and Staples. Deemed a “magic wand” by industry veterans, this magazine provides an excellent, third-party validation of the UFirst™ opportunity. Success From Home profiles the best home-based businesses. The February issue on UFirst and the Money Merge Account® program, includes articles from experts David Bach, Jean Chatzky and Mark Victor Hansen, as well as real life results from Agents and clients. It makes presenting to prospects easy and efficient.

Become an Agent with United First Financial® and you will be part of an exciting team of independent agents across the United States and Canada . People from all backgrounds are joining in to set everyone on a path to financial freedom. Professionals in the mortgage and real estate industry as well as financial planners are utilizing the Money Merge Account® system to supercharge their current business. For mortgage brokers, it offers a unique opportunity to return to past clients who may now have mortgages ready to adjust. By combining Money Merge Account system with your best loan offers or other financial services, you can now offer your customers additional financial management tools, education and mortgage interest savings that will set your business ahead of your competition.

At the same time that you are helping your clients financially, you will be paid a generous commission from United First Financial. This could be a great supplement to your current income, or as some UFirst agents have achieved, an excellent income surpassing even their present primary income.

If you would like to inquire more about the possibility of becoming a UFirst agent, please fill out the form

Agent Opportunity

and one of our representatives will contact you.

Isn’t it is each person’s own responsibility to take care of their own finances.  There are many people in the United States that don’t have a plan to 1) get out of debt and 2) stay out.  What if these bailouts take years to turn things around? Or worse, they don’t work at all. If you did not have a mortgage or debt, wouldn’t you be better off? Wouldn’t you have more options at your disposal to weather the storm?

United First Financial is helping people get out of debt with the Money Merge Account.  Isn’t it time that you have your money work for you and not just for the bank?

“You should go as far as to pay off your mortgage debt even before you contribute past the match on your 401(k).”

-Suzy Orman

“The poor and the middle-class work hard for their money. The rich have their money work hard for them.”

-Robert Kyiasaki

With all that’s going on these days there are alot of people asking, “how do I get out of debt”?.   I’ll share how I have answered this question.

It turns out I made a wise decision in July 2007. Back then, I had a mortgage balance of $285,000. I also had an interest only loan which I never paid any towards the principle.  Even with that, I was feeling pretty good. My house was worth about $360K and like many of us, I just kept hoping for the home values to increase.

Well, we all know how things went after that. Home values went down and now if you say “borrow” it’s a dirty word. Now, I said I made a good decision over a year ago. I started using the Money Merge Account™ program developed by United First Financial to help me payoff my mortgage. Today, my mortgage balance is exactly $207,995.56.

If you’re wondering what kind of sacrifice I had to make to do this. Don’t. I haven’t had to make one. In fact, since starting the program, I have gotten married, went on honeymoon in Cancun and purchased a new car. With all of these recent events, I am still on track to own my house free and clear by December of 2012.

If this has done this for me what could the program do for you?  Take a few minutes to look it over.  You won’t regret it.

Signing up for the Money Merge Account™ program just got a lot easier.

United First Financial is now offering finance options for the purchase of the Money Merge Account™ program.

• Down payments from as little as $250.00 down
• Monthly payments less than $100.00 for both the ‘Pro’ and ‘Express’ products
• No credit qualifying
• Accelerated payout

Win, Flourish, Grow—with United First Financial

The Money Merge Account™ program by United First Financial is based on four principles, which are the same principles used by banks.

The Four Principles

1. Interest Accumulation

The Money Merge Account™ program puts every penny of your money to work for you. If you currently deposit checks into your checking account and then leave the money there until you pay bills, your money is not working for you.

2. Interest Float

Have you ever charged purchases on a credit card and paid that card in full when the bill came due? That is an example of interest float. In essence, you were using the bank’s money for free for a month.

3. Interest Cancellation

Utilizing an Advanced Line of Credit (ALOC), which could be a Home Equity Loan, Business Loan, Personal Loan Secured Loan or a credit card, checking and savings account, your Money Merge Account™ program will show you how to leverage your funds so you reach zero debt in the quickest time possible, while paying the least amount of interest.

4. Strategic Payoff

The Money Merge Account™ program computes the optimal time to leverage money to pay off your debts and cancel interest. It sounds simple, but in reality it is millions of lines of codes, and multiple, sophisticated math algorithms hard at work. Did you know that if you have 6 debts, there are actually 720 possible combinations to consider before choosing which debt to put money towards?

The Four Components

The Money Merge Account™ program has Four Required Components to Pay Your Debt off in Record Time.

1. Your Debt

• If you have a Mortgage or more than $80,000 in debt you would use the Money Merge Account™ Pro.
• If you do not have a Mortgage and have a total of less than $80,000 in consumer debt and 10 creditors or less, you would use the Money Merge Account™ Express.

2. Advance Line of Credit (ALOC)

Any type Line of Credit will work, as long as it has the correct characteristics required by the Money Merge Account™ program. This could be a Home Equity Line of Credit (HELOC), a Personal or Business Line of Credit, or even a Credit Card with an available balance of $300.

3. Checking and Saving Accounts

Most people already have these, and if not, they are simple to get at the bank or credit union of your choice.

4. The Money Merge Account™ Program

This is the remarkable tool that will show you how to Flow Your Money and bank like the banks!

The Money Merge Account Program™ is Your Money Management Solution:

• Acts as your Real Time Navigation System – taking the guess work out of your financial path. It helps you decide what purchases are best for you, and when is the best time to spend your money. You’ll know the True Costs before you make important decisions.
• Calculates Strategic Payoffs –so you know which debt should be paid first. How do you cancel the most interest this month? What is the quickest way to zero debt? The Money Merge Account system uses all the variables of your debt (loan term, amount owed, interest rate, variable or fixed, principal, etc) to guide you out of debt in the shortest time with little or no change in your standard of living or lifestyle.
• Ease of Use – Remember, this only takes about 10 minutes a month. You’ll be able to track your money, and have an exact balance status report at your fingertips.
• Professional, Personal Lifetime Support is included –If you need assistance or have a question you simply call your Personal Account Manager for one on one Lifetime Support by United First Financial.

How does it work?

Fill out the information request form on the Free Analysis page and we will show you! Then not only will you understand how it works, you’ll know what the Money Merge Account™ program could potentially do for you! Rest assured that this is a secure process, and we will not be asking for any private information such as account numbers or your social security number. You will never have to give these. In fact, you will be in complete control of your information at all times. We just need to know about your current situation. We will be happy to provide you with a free analysis. Once we have run your analysis, we will show you just how quickly you too can be debt free

These 23 cities are feeling the foreclosure bite.

Milwaukee, WI; Philadelphia, PA; Atlanta, GA; Seattle, WA; New York, NY; Cleveland, OH; Denver, CO; Chicago, IL; Minneapolis, MN; Jacksonville, FL; Boston, MA; St. Louis, MO; Detroit, MI; Washington, DC; San Jose, CA; Tampa, FL; Miami, FL; San Francisco, CA; San Diego, CA; Los Angeles, CA; Phoenix, AZ; Sacramento, CA; Las Vegas, NV

Read this Bloomberg.com article

Home Values Fell in 23 Cities on Foreclosures, Radar Logic Says

A sign that the mortgage crisis is far from over.

Read this Bloomberg.com article

Carteret Mortgage Will Close, Chief Executive Says