In this country being broke is quite normal and your company is probably no different.

I have researched many “copy cat” programs on the market, and in my opinion the Money Merge Account is in a class by itself and well worth the higher price tag.  It’s a “State of the Art” web-based software program that has been the recipient of several awards from various trade publications.  The greatest recognition came from Ernst & Young in 2008 when the founders of United First Financial received the Entrepreneur of the Year for Financial Services in the Utah Region.  The program was also featured by NBC in this news clip.

20/20 Financial Foresight

As in most aspects of life, when it comes to finances, it is difficult to look ahead with a clear perspective for what the future will hold. Instead, we walk along nearsightedly, stumbling into avoidable holes of deep regret. The blurriness of the way impacts the quality of our decisions. To make matters worse, we can look back on our missteps with surprising clarity—the curse of 20/20 hindsight.

But what if you could have 20/20 foresight—especially regarding your financial security? How would you craft your life differently if you knew beforehand the impact of all financial decisions? The Money Merge Account® program does just that by using your existing monthly budget.

20/20 financial foresight—imagine the possibilities!

”In these economic times, having control over our finances is a relief. Having an actual, attainable pay-off date is amazing and keeps us very motivated!  Thanks”.

Two objections

1. I can do it myself
2. It cost too much

Let’s take these one at a time.

I can do it myself.

My first response to “I can do it myself” is, if you could have, you would have, so if you haven’t, you can’t and at best you won’t!

For a moment let’s assume you really believe you can find your way out of debt on your own; here’s something you can try.  Go buy Dave Ramsey’s books or even his Total Money Makeover.  While you’re at it check out Suze Orman’s books as well.  If you really want to save some money you can go down to your local library and check the out the books for nothing.  If that approach works for you, great!  God Bless.  You saved some money. Enjoy a prosperous life and stay out of debt.

However, if you’re like the rest of us, buy the best tool on the market and start on your road to financial freedom today.  I promise you there is nothing better available.

Here’s another take on I can do it myself.  Let’s for a minute compare debt to obesity.

Problem:

You currently weigh 300 lbs but your ideal weight is 180 lbs.  You have been over weight for the past 10 years and have suffered in many ways from carrying around that extra 120 lbs.

You have tried:

You have purchased all the books and tapes from TV for $29.99.  (You know…..the Dave Ramsey and Suze Orman type).  The TV personalities that make you feel that they are the only ones who know and/or tell the truth.  You know what I’m talking about ….right?

But to no avail you lug around that dreadful extra weight year after year.  To make matters worse, while channel surfing, you tune in time after time where you find people praising Suze and Dave for their fantastic “Quick start” “Boot Camp” type programs that seem to be working for everyone.   That is everyone….. Except you!

My advice on debt

Pay top dollar for a personal trainer who shows up at your door every morning.  He (or she) takes you to the gym every day and show you the proper form for your exercises.  They prepare your meals and tell you exactly when and how much to eat.  This trainer keeps you on track and pushes you to limits you would not go on your own.

Here’s my question to you.  What is a better deal economically?  Is it the book and tapes that cost little but do not get the job done?  Or the personal trainer that cost a lot but gets you to your goal?

Theoretically is it possible for someone to buy a book and be successful in losing weight and becoming healthy?  Of course it is! Can someone buy one of Dave Ramsey’s books and become debt free?  Absolutely!  My question boils down to this.  Where are you likely to have success?

The Wallstreet Alternative

1. Are you tired of dealing with the uncertainty of the Stock Market?
2. Are you currently underwater with your Real Property?
3. Are you maxing out your qualified plans such as your IRAs, 401k, etc and wish you had better access to YOUR money?
4. Do you like the safety of saving accounts, CDs, and Money Markets but are not satisfied with the rates of return.
5. Would you like your money to enjoy several very important tax advantages?
6. Would you like to become self sufficient for many and possibly all of your future financing needs?

If you answered yes to some or all of these questions, the answer to the question is you should put YOUR money in Your Own Bank. I’m not talking about your local bank. I am talking about YOUR BANK. Would you like to have an account that you have total control over? An account that gives you the ability to mimic exactly what a bank does.

Haven’t banks been in trouble lately?

Yes they have, and for one reason only. Certain, not all banks in recent years have violated their own principles. Yes, the very principles that have been responsible for their success for thousands of years.

What are those principles?
1. Banks lend and do not invest.
2. Banks transfer risk away from themselves.
3. Banks turn liabilities into assets.

If you don’t think banks have learned their lesson, try going to the bank and purchase a property with no money down. Then tell them you would prefer no have a stated income loan (one where you do not prove your income). I think it’s very clear to everyone that those days are over.

So, why would you want to Mimic a bank?

Let me start by asking you another question. If you drive downtown in any city in this Country (or any Country) and find the tallest building you can, look up at the name at the top of that building and tell me whose name is on it. Chances are it’s the name of a bank! You will also notice the lobby is made of beautiful marble and there is a gigantic fountain in front. I don’t know about you but most of the people I know go not have fountains in their front yard. The closest I have come was when my gardener broke an underground water line last year.

I have been in the Financial Services industry for the past 23 years and have always prided myself in seeking the most relevant strategies and products that could potentially help my clients. I can say with absolute certainty that the reason that the majority of American families are not on tract financially is because they have been given bad advise by their advisers. Not because they are bad people, it’s simply because the entire system is flawed in my opinion. For the most part planners get paid to sell product. As a result, you wind up with a giant “junk draw”of financial products. More than likely there’s no real rhyme or reason to what investments you own. You were just sold something or you selected a mutual fund from a list at work. How do I know this is the case? I know because I have sat at hundreds of kitchen tables as well as conference room tables and sure enough, eventually my new client will pull out this investment or that and ask me “Do you think this is any good? I don’t know why I bought it but…”

Do you have a financial “Junk Draw”?

Do you feel like you are going one step forward and two steps back financially?

Are you paying more in interest than you are earning each year?

Over the next days, week, months and who know…years, I will do my best to enlighten you and hopefully contribute to your bottom line. If I can learn to navigate through this “blog thing” I will provide you with a very compelling case, using various visual tools and materials.

There is good news! Not only will I demonstrate how the deck has been stacked against us; I will provide an alternative to the traditional models that have gotten us in this mess. There are safe alternatives for building wealth. In fact, with no risk! The first thing you need to unlearn is that ” If you want to experience a greater return, you have to be exposed to more risk”. This simple is not true!

If you don’t have the stomach for the ups and downs of the Stock and Real Estate markets. If you are sick and tired of being in debt with no solid plan to ever be financially free, than come back soon.