Anthony M Gray

This spring, from March 16, 2009 through April 4, 2009 the United First Financial Executive Team is hitting the road, visiting 50+ different cities. Not only will the UFirst™Opportunity Tour offer the best training available on the Money Merge Account® program, but it will also give you an in-depth look at Bizpack™, UFirst’s exciting new residual income product.

Check out Google Maps to see when the tour stops in your local area

To learn more about the Money Merge Account® click here

To learn more about the Bizpack™ click here

OK, many of us have a Global Positioning System (GPS). In our cars, in our pockets even in our cell phones.

We all know how they work. Enter your destination and away you go. Decide to make a detour, no problem. On the fly, the GPS adjusts to your new location and gets you back on track to reach your final destination. Some GPS units talk to you, play MP3s and even point out traffic jams.

Are there other aspects of life that could use a GPS? What if there was a GPS for your finances? Imagine a final destination of zero debt and no matter the detours (auto repairs, medical expenses, etc.) your finances may take along the way, the GPS instantaneously recalculates your path to that final destination in the fastest time possible.

Let’s take it a step further. This financial GPS also shows you the impact your financial choices have on you reaching your final destination in real time. This would be a great tool to educate you about the decisions you are making with your money. Are these decisions bringing you closer to your goal or taking you out of the way?

Just like the display on your car’s GPS, what if:

• you had a dashboard that always shows you your ETZ, Estimated Time to Zero
• it displays the amount of interest you’d pay to get to zero
• the dashboard is updated every time you save or spend money
• it could tell you when it is the best time to buy something, as well as the true cost of that purchase regarding your financial circumstance

Think of this financial GPS as a finance coach whose on call 24 hours a day, 7 days a week, giving direction for every money decision.

Is there such a thing? Yes, a financial GPS is available and it is educating Americans and also Canadians, to pay off all their debts (no matter the amount).

Can you get it at BestBuy? No, start the process by giving a UFirst^TM agent your financial information, no account numbers, no credit checks, no income verifications, no social security numbers required, just the balances on your debts and net income. The Money Merge Account® software (your financial GPS) will then educate and coach you, using your own money, to strategically payoff all your debts and make you financially free. If you ever need assistance while using the software, live coaches at United First Financial® headquaters provide excellent customer service and can be reached, toll-free, with no-charge.

If you would like to see how our financial GPS can make you debt free faster than any other method, I encourage you to watch this news feature on NBC News 3 in Las Vegas, NV.

Get started towards your final destination, contact me for a FREE ANALYSIS

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.

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

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

United First Financial Awarded Editors’ Choice Award by Personal Real Estate Investor Magazine

The company and its Money Merge Account system were recognized for client mortgage innovation

BLUFFDALE, Utah – July 31, 2008 United First Financial™, a financial software services and support company, recently received the Editors’ Choice Award from Personal Real Estate Investor Magazine. The magazine’s editorial board selected the company, and presented the award at United First Financial’s recent international convention in Atlanta.

United First Financial’s innovative Money Merge Account™ program uses existing banking tools, one-on-one coaching and a Web-based software tool to help consumers pay off their mortgages and consumer debt in a fraction of the time as well as build wealth.

“Our program helps people pay off all kinds of debt—including what is typically their largest debt, their mortgage—as quickly as possible with little to no change in their lifestyle,” said Jonathan E. Bonnette, co-founder of United First Financial. “We also help people increase their financial awareness and achieve their financial goals. It’s an honor to be recognized by the Editorial Board of Personal Real Estate Investor Magazine; we are proud to be the company behind the Money Merge Account solution.”

In the research process, the editors determined three key factors to a successful mortgage acceleration system:

Mortgage payment acceleration is a very viable strategy that should be understood by anyone who desires to build and secure personal assets, including homeownership.
Market leadership is only possible with a vision, sound product, full-time customer service by a dedicated support organization and wide distribution by a committed sales force.
The feedback and insight that comes out of the direct customer support process has allowed constant improvement and added features to the Money Merge Account program and customer experience.

“We found the Money Merge Account system from United First Financial to be the clear leader in this market,” said Andrew Waite, publisher of Personal Real Estate Investor Magazine. “The system simplifies a complex world so homeowners can manage their financial condition better and take the American Dream of home equity growth to reality.”

For more information concerning United First Financial and its highly-rated Money Merge Account program, please visit www.debtgone4ever.com.

About United First Financial
United First Financial is a financial software services and support company. Its products, tools and coaching services enable consumers to pay-off their mortgages, eliminate their debt and achieve financial independence in a fraction of the time. For more information about United First Financial or the Money Merge Account program, please visit www.debtgone4ever.com.

About the Personal Real Estate Investor Magazine Editors’ Choice Award
The Personal Real Estate Investor Magazine Editors Choice Award is made to game changing real estate products and services. The product or provider must show innovation and originality and thereby improve a customer’s experience. Personal Real Estate Investor Magazine is the only editorial based consumer real estate magazine in the United States designed to help our readers find, make and save money on their real estate investments. Personal Real Estate Investor Magazine is America’s best selling real estate investment magazine now has the seventh best sell-through rate of business and finance magazine titles in bookstores and select airport newsstands nationwide.

United First Financial and Money Merge Account are trademarks of United First Financial. All other trademarks are property of their respective owners.

For Immediate Release

United First Financial Co-Founders Take Home Ernst & Young Entrepreneur of the Year Regional Award

The company’s co-founders were awarded for entrepreneurial success in the financial services category; qualify for national awards

BLUFFDALE, Utah – July 3, 2008 – Skyler Witman, John Washenko, Matt Lovelady, Jonathan E. Bonnette, and Don Jorgensen of United First Financial™, a financial software services and support company, were recently awarded the Ernst & Young Entrepreneur Of The Year® 2008 Award in the financial services category in Utah. An independent panel of judges selected their work with United First Financial from a group of finalists, and the award was presented at a gala event at the Salt Palace Convention Center on June 27, 2008.

United First Financial’s (UFirst) innovative Money Merge Account™ program utilizes existing banking tools, one-on-one coaching and a Web-based software tool to help consumers pay off their mortgages and consumer debt in about one-half to one-third the time.

“When we started United First Financial, we didn’t just want to help people get out of debt and improve their financial situation eventually, we wanted to help them do it fast and with little to no change in their current spending habits,” said Skyler Witman, co-founder of UFirst. “The Money Merge Account solution has done just that, and more. It helps homeowners pay off a traditional mortgage in as little as one-half, to one-third the time, it helps clients without a mortgage eliminate other consumer debt and it helps clients without debt build wealth.”

The UFirst co-founders were among the founders of nine Utah-based companies to receive Ernst & Young Entrepreneur of the Year regional awards. According to Ernst & Young LLP, the award recognizes outstanding entrepreneurs who are building and leading dynamic, growing businesses.

“Ernst & Young is pleased to honor outstanding business leaders such as United First Financial,” said David Jolley, Managing Partner and Ernst & Young Entrepreneur of the Year Program Director for Utah. “Winners of the Entrepreneur of the Year award build leading businesses and contribute a great deal to the communities around them. Their success helps Utah grow stronger.”

The co-founders will travel to Palm Springs, Calif. to compete for the Ernst & Young Entrepreneur of the Year 2008 national program Nov. 15, 2008. Award winners in several national categories, as well as the overall national Ernst & Young Entrepreneur of the Year award winner, will be announced at the annual awards. The awards are the culminating event of the Ernst & Young Strategic Growth Forum, the nation’s most prestigious gathering of high-growth, market-leading companies.

For more information concerning United First Financial and its highly-rated Money Merge Account program, please visit United First Financial

About United First Financial:
United First Financial (UFirst) is a financial software services and support company. Its products, tools and coaching services enable consumers to pay-off their mortgages, eliminate their debt and achieve financial independence in a fraction of the time. For more information about United First Financial or the Money Merge Account system, please visit United First Financial.

About the Ernst & Young Entrepreneur of the Year Awards
Ernst & Young’s Entrepreneur of the Year is the world’s most prestigious business award for entrepreneurs. The award makes a difference through the unique way it encourages entrepreneurial activity among those with potential and recognizes the contribution of people who inspire others with their vision, leadership and achievement. As the first and only truly global award of its kind, Ernst & Young Entrepreneur of the Year celebrates those who are building and leading successful, growing and dynamic businesses, recognizing them through regional, national and global awards programs in more than 135 cities in 50 countries.

About Ernst & Young
Ernst & Young is a global leader in assurance, tax, transaction and advisory services. Worldwide, our 130,000 people are united by our shared values and an unwavering commitment to quality. We make a difference by helping our people, our clients and our wider communities achieve potential. For more information, please visit www.ey.com.

United First Financial is featured on the cover of the January/February 2008 Mortgage Planner Magazine, and the Money Merge Account program was in the Product Spotlight.

If your a mortgage professional, an exciting opportunity awaits you. Learn more about this life changing program and the opportunity that can add another income stream to your business.

http://www.debtgone4ever.com

United First Financial™

Through an innovative program called the Money Merge Account™, homeowners across the nation pay off their existing mortgage is as little as 1/3

to 1/2 the time.

• No need to refinancing your current mortgage
  

• No out-of-pocket money necessary

• Requires little to no change in your lifestyle

• Not a Bi-Weekly Payment Program

• Not a Debt Reduction Program

• Not a Debt Roll-down Program

United First Financial, its software 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 is not included in the Money Merge Account Limited Guarantee.

Results will vary and are determined by individual financial situations. The information contained herein does not consistute an offer or a solicaitation to lend or extend credit. Contact your United First Financial independent software agent for further details.

Provided by an Independent Software Agent of United First Financial
UFF# 864570