Have you ever thought that maybe you run people out of your little box because you are so paranoid someone might prove you wrong that you go on the attack right from the start. I bet you never go out in public. This is on the internet anyone can find it. How Using the Money Merge Account is Better Than Any Other Loan or Investment Strategy…and Sure Beats the Pants Off “Doing-It-Yourself” Beware the “financial professional” who criticizes the Money Merge Account without understanding how the software uses sophisticated algorithms to manage the money float and open-ended interest to your benefit. Understanding how to pay your bills and put your income into your Home Equity Line of Credit only gets you half-way to success. (Ever know that you should do something important like eat less fatty foods, exercise, pay your bills on time – but not quite get around to doing it?!?) The Money Merge Account software is really important because it: (a) manages your cash flow to pay off your mortgage and debt, and (b) keeps you focused and motivated towards your goals. Here’s how the Money Merge Account matches up with some of the other ways you might be thinking about using to build equity in your home. If after you read through them and you are able to match the software with a wild combination of 40 excel spreadsheets (Henry’s Dad tried…) then let us know. #1. Money Merge Account vs. Bi-Weekly Payment Program Bi-weekly payment programs only help you pay your mortgage off a little faster, usually in about 26 years. The Money Merge Account can often pay off a 30 year mortgage in a little as 8 – 11 years. #2. Money Merge Account vs. Self-Payment Towards Principle Some people say, “Well why don’t I just pay my discretionary income towards my principal myself?” And we sometimes reply, “Well, why aren’t you doing that now?” Making small monthly payments towards your principal out of your check book is not as effective as making the bulk payments from your Home Equity Line of Credit (HELOC) when the software tells you to do so. Most people will never make those payments on their own any way since that means they would have no extra money in their checking or savings for emergencies. Using the Money Merge Account software can keep you focused on the goal. When you use your HELOC like your checking account then you will usually always have money available in reserve if you need it for unexpected emergencies. #3. Money Merge Account vs. Self-Payment Using HELOC A few sharp clients of ours initially said, “Wow! I get the strategy of using my Home Equity Line of Credit…now why don’t I just make payments from it without using the software?” We said, “Go for it!” The reality is that the software watches your income and expenses flow in and out of your HELOC and then times the bulk payments to maximize how fast you can pay off your mortgage. We know a few people who’ve tried this and we’ve run some financial scenarios and the Money Merge Account software still beats even the most mathematically talented accountants by 4 to 5 years.
#4. Money Merge Account vs. Investing
This is a fascinating issue and is the one we are challenged the most on…usually by financial planners who are selling investments! So our most experienced accounting partners ran some numbers… ….Using your discretionary income through the Money Merge Account to pay off your mortgage is almost always a lower risk way to save and earn more money than investing.
______________________________________________ EXAMPLE #1
Mortgage Amount: $200,000
Interest Rate/Term: 6%, 30 Year Fixed Discretionary/ Savings Investment Interest Rate
Extra Income Using MMA Needed to Match MMA $100 $875,297 15.95% $300 $930,702 11.42% $500 $1,086,945 9.78% $1,000 $1,545,913 8.15%
______________________________________________ If you invest your extra money over 30 years instead of using the Money Merge Account, you need whopping returns to equal how much you can save and earn. Only if you have $1,000 per month in discretionary income AND can invest your money at 9.15% interest can you come close to tying the software’s savings. Investment Strategy Assumptions Risk #1. Will you invest your extra income every month? Most people will not. Risk #2. The stock market is out of your control. Using the software and balancing your checkbook is easier than picking the right stocks. Risk #3. Losing access to your “invested” money. If you make most kinds of investments and you need money for emergencies or a major even happens in your life – you will not be able to use that money without penalties…and you might not be able to use it at all. Having a flexible Home Equity Line of Credit that you can take money allows room for your life’s changes. Risk #4. Will you make the best financial decisions? The Money Merge Account allows you to see how spending money on different things will affect how fast you will pay off your mortgage. For example, say you want to take a vacation that will cost $2,000. You can plug that in to the software and it’ll tell you that it’s going to take 9 months longer to pay off your mortgage. Then you can make an informed decision about what to do. If you want to invest in stocks or real estate, you can put those numbers in and then decide. Now what if the interest rate on the $200,000 loan is 8%?
______________________________________________ EXAMPLE #2
Mortgage Amount: $200,000
Interest Rate/Term: 8%, 30 Year Fixed Discretionary/ Savings Investment Interest Rate
Extra Income Using MMA Needed to Match MMA $100 $1,451,906 18.06% $300 $1,494,822 13.53% $500 $1,717,300 11.88% $1,000 $2,373,143 10.19%
______________________________________________ Again, we see the same pattern. You have to have a very high discretionary income to be able to tie the Money Merge Account software's effectiveness. Let's try a larger loan of $500,000 and see what happens...
______________________________________________ EXAMPLE #3
Mortgage Amount: $500,000
Interest Rate/Term: 6%, 30 Year Fixed Discretionary/ Savings Investment Interest Rate
Extra Income Using MMA Needed to Match MMA $100 $1,844,226 19.04% $300 $1,652,656 13.97% $500 $1,774,597 12.03% $1,000 $2,203,073 9.85%
______________________________________________ Here’s the same $500,000 mortgage at 8% interest. Discretionary/ Savings Investment Interest Rate
Extra Income Using MMA Needed to Match MMA $100 $3,401,996 21.52% $300 $2,917,119 16.39% $500 $2,969,594 14.29% $1,000 $3,639,510 12.14% Again, you can see that even if you have $1,000 per month discretionary income (which many people do not have) you have to be a pretty savvy investor to generate a high enough rate of return to beat the Money Merge Account software. Here’s the kicker though… Remember how most people refinance after 7 years, or sell their home within 15 years? Given this shorter time frame you need to invest at much, much higher interest rates to beat the Money Merge Account system. (We'll have these examples up for you on this page within a few days.)
#5. Money Merge Account vs. REAL ESTATE Investing Many of us are real estate investors because investing in real estate IS one of the ways to beat the software. The reason is that if you continually buy real estate with basically the same money, you can get huge returns on investment. For example, say you get a Home Equity Line of Credit for $100,000, and you use $50,000 of it to put down on a investment property. Once that property closes, you then pull that same $50,000 out of the 2nd home and buy a 3rd home with the same money. Repeat 10 times fast and you can earn 1,000% Rate of return on that initial $50,000. That’s the basic concept anyway. The reality of real estate investing though is much more challenging, and here are some of the risks… Risk #1. Buying a property that doesn’t require a lot of repairs. Risk #2. Buying in an area that will appreciate in value. Risk #3. Attracting and keeping good tenants who pay rent. Risk #4. Managing rental property expenses. Risk #5. Re-selling the property. Of course, the toughest thing for most people is that they are in competition with a lot of very smart investors who have their own money to invest and who work very hard. For most families, simply managing the money they already have is easier and more profitable then going out and trying to earn a fortune in real estate investing. #6. Money Merge Account vs. Other Mortgages There are several other companies who provide Home Equity Lines of Credit and say they can help you pay off your mortgage in as little as 1/3 to ˝ the time. This basically a hook to: (a) get you to get your Home Equity Line of Credit with them, and then (b) get your other mortgage and banking business. None of these companies offer the exclusive Money Merge Account software which helps you optimize the use of your discretionary income AND keep you focused on your goals. If you find another program you’d like to compare…we’d be happy to help you do it. If the other loan program does help you more than the Money Merge Account we’ll help you figure it out and happily recommend it to you. (We don’t make loans so it doesn’t matter to us who you get your HELOC through.)
#7. Money Merge Account vs. Other On-Line Downloads and Books You’ll Find on Google and Yahoo
This is really funny… Several entrepreneurs have figured out that people who are researching the Money Merge Account might be nervous about the cost of the software. So, they just start advertising products that pitch a similar “solution” but at a really low price of $39.99 or $99.00 or even $1,199. Some even create graphics of lots of CDs and Books to give the impression that they are giving you something of great value. They figure that you’ll buy their products on the “I-Might-As-Well” theory….as in, “If I’m going to spend that much, I might-as-well buy this cheapo thing first to see if it works.” We can save you a few bucks by telling you that they all boil down to the same strategy of paying off the principal on your mortgage faster. Some recommend that you do so with your discretionary income (covered above) and others do recommend a HELOC. None have the powerful Money Merge Software. #8. Money Merge Account vs. Mr. Spreadsheet We all could try to do this ourselves with an excel spreadsheet, but who has the time…and we wouldn’t do it as well as the Money Merge Account. It’s like, driving to work. We pay a lot for a car and even a GPS system that will tell us how to get where we want to go. We don’t go build a car from scratch! | 
