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    2. DAVID MONTGOMERY BATON ROUGE, LA Utilizing the Money Merge Account program our example couple John and Rebecca will save $121,855 in interest. What could you do with that extra money. Take vacations, retire spend more time with family?Utilizing the Money Merge Account program our example couple John and Rebecca will save $121,855 in interest. What could you do with that extra money. Take vacations, retire spend more time with family?

    3. A PARADIGM SHIFT The Money Merge Account System will guide you through making the money you already have and the money you continue to earn work the hardest it can for you ever single day of the year. It will make your money either earn interest or cancel interest. The Money Merge Account System will guide you through making the money you already have and the money you continue to earn work the hardest it can for you ever single day of the year. It will make your money either earn interest or cancel interest.

    4. WHAT IS THE MONEY MERGE ACCOUNT®? THE POWER TO MANAGE YOUR PERSONAL FINANCES LIKE A BANK IN THE PRIVACY OF YOUR OWN HOME Right now the banks need us more than ever… with the federal bail out and all of the changes in Rules of banking. We need to be in control more than ever……..Right now the banks need us more than ever… with the federal bail out and all of the changes in Rules of banking. We need to be in control more than ever……..

    5. THE MONEY MERGE ACCOUNT® PROGRAM IS YOUR FINANCIAL GPS Think of the Money Merge Account system as your financial GPS. It guides you to paying off debts, saving for retirement, staying focused and tracking your success. At any point you can check how far you have gone, how far you have left and what your stats have been along the way. Think of the Money Merge Account system as your financial GPS. It guides you to paying off debts, saving for retirement, staying focused and tracking your success. At any point you can check how far you have gone, how far you have left and what your stats have been along the way.

    6. DO I QUALIFY FOR THE MONEY MERGE ACCOUNT PROGRAM®? DEBT

    7. ADDITIONAL QUALIFICATIONS THE DESIRE TO… … GET OUT OF DEBT … TAKE CONTROL OF YOUR FINANCES … MAKE EDUCATED DECISIONS WITH FINANCIAL FORESIGHT

    8. THE MONEY MERGE ACCOUNT® IS NOT… BI-WEEKLY PAYMENT PROGRAM DEBT ROLL DOWN PROGRAM CONCEPT OR THEORY

    9. JOHN & REBECCA JONES Let’s take a look at our example couple John and Rebecca and include in their debts. John and Rebecca still make $5000 per month and spend $4800. They still have a $200k mortgage at 6% for 30 years with a payment of $1199.10. But we have now made John and Rebecca a little more realistic. John and Rebecca have a credit card with a rolling balance of $8k a loan with a balance of $10700 and an auto loan with a balance of $20k. $1774 DOLLARES IN FIXED EXPENSESLet’s take a look at our example couple John and Rebecca and include in their debts. John and Rebecca still make $5000 per month and spend $4800. They still have a $200k mortgage at 6% for 30 years with a payment of $1199.10. But we have now made John and Rebecca a little more realistic. John and Rebecca have a credit card with a rolling balance of $8k a loan with a balance of $10700 and an auto loan with a balance of $20k. $1774 DOLLARES IN FIXED EXPENSES

    10. WHAT IS “INTEREST?” ITS WHAT WE PAY ON OUR DEBTS ITS WHAT WE EARN ON OUR MONEY Interest- the reason you are here, curiosity, Interest, in a financial perspective is what we pay on our credit cards, and various debts, and we hate it However, interest can also be your friend, especially with this program, it is not what you will earn on your money, it’s a surplus with this program on YOUR money.Interest- the reason you are here, curiosity, Interest, in a financial perspective is what we pay on our credit cards, and various debts, and we hate it However, interest can also be your friend, especially with this program, it is not what you will earn on your money, it’s a surplus with this program on YOUR money.

    11. HOW DOES THE MONEY MERGE ACCOUNT® WORK? INTEREST ACCUMULATION YOUR MONEY MAKING YOU MONEY 24 HOURS A DAY INTEREST FLOAT USING OTHER PEOPLES MONEY FOR A SHORT PERIOD OF TIME INTEREST CANCELLATION KNOWING WHAT TO PAY & WHEN TO PAY IT, TO CANCEL THE MOST AMOUNT OF INTEREST STRATEGIC PAYOFF EVALUATION OF EVERY DEBT AND THEIR DIFFERENT VARIABLES TO FIND THE FASTEST WAY TO ZERO

    12. INTEREST ACCUMULATION & INTEREST FLOAT LETTING MORE OF YOUR MONEY WORK FOR THE LONGEST PERIOD OF TIME (BANK LIKE A BANK) OPM (OTHERS PEOPLES MONEY) LET YOUR MONEY WORK FOR YOU WHILE YOU MAXIMIZE INTEREST FLOAT

    15. STRATEGIC PAYOFF Now so far we have kept it very basic with just a mortgage. But that is not very realistic so lets take a look at a more realistic scenario and I am going to need you response on this. If you only have 1 debt there is only 1 order to pay that debt off. But if you have 2 debts you can pay off those debts in 2 different orders. In this example John and Rebecca can pay off the mortgage first and then the installment loan or they can pay off the installment loan and then the mortgage. Still sounds sort of easy but did you know if you have 3 debts there are 6 different orders in which you can pay them off. With 4 debts there are 24 different orders and with 5 debts there are 120 different orders in which you can pay off those debts. Which order would you choose to pay these debts off. Did you know that even with the same interest rate there can be a better debt or two to pay off?Now so far we have kept it very basic with just a mortgage. But that is not very realistic so lets take a look at a more realistic scenario and I am going to need you response on this. If you only have 1 debt there is only 1 order to pay that debt off. But if you have 2 debts you can pay off those debts in 2 different orders. In this example John and Rebecca can pay off the mortgage first and then the installment loan or they can pay off the installment loan and then the mortgage. Still sounds sort of easy but did you know if you have 3 debts there are 6 different orders in which you can pay them off. With 4 debts there are 24 different orders and with 5 debts there are 120 different orders in which you can pay off those debts. Which order would you choose to pay these debts off. Did you know that even with the same interest rate there can be a better debt or two to pay off?

    16. A SOLUTION FOR EVERY SITUATION MA PRO FOR YOUR MORTGAGE FAMILIES WITH MORE THAN $80,000 IN CONSUMER DEBT INCLUDING BUT NOT LIMITED TO; CAR LOANS, STUDENT LOANS, CREDIT CARD DEBT… MA EXPRESS LESS THAN $80,000 IN CONSUMER DEBT AND NO MORTGAGE DEBT

    17. MAKING THE RIGHT DECISION One things I want to make completely clear… You are still in complete control of your money. You do not have to follow the optimal order of payoff the money merge account suggests. You can override the system with just the click of a mouse. If you choose to do so though I have to warn you the results can be drastic. The Money Merge Account System will immediately adjust your dashboard dashlets to reflect the changes you have made. One things I want to make completely clear… You are still in complete control of your money. You do not have to follow the optimal order of payoff the money merge account suggests. You can override the system with just the click of a mouse. If you choose to do so though I have to warn you the results can be drastic. The Money Merge Account System will immediately adjust your dashboard dashlets to reflect the changes you have made.

    18. JOHN & REBECCA JONES Utilizing the Money Merge Account program our example couple John and Rebecca will save $121,855 in interest. What could you do with that extra money. Take vacations, retire spend more time with family?Utilizing the Money Merge Account program our example couple John and Rebecca will save $121,855 in interest. What could you do with that extra money. Take vacations, retire spend more time with family?

    19. THE POWER OF THE MONEY MERGE ACCOUNT® PROGRAM JOHN & REBECCA JONES $200,000 / 30-YEAR FIXED-RATE MORTGAGE AT 6% = $1199 PER MONTH TRADITIONAL REPAYMENT INTEREST PAID $231,667 PAYOFF 360 MO / 30 YEARS SAVINGS = $0.00 BI-WEEKLY INTEREST PAID $182,053 PAYOFF 294 MO / 24.5 YEARS SAVINGS = $49,614 EXTRA PAYMENT $200.00 MONTH INTEREST PAID $151,876 PAYOFF 251 MO / 20.9 YEARS SAVINGS = $79,791 MONEY MERGE ACCOUNT ($200) INTEREST PAID $119,242 PAYOFF 179 MO / 14.9 YEARS SAVINGS = $112,425

    20. JOHN & REBECCA JONES Utilizing the Money Merge Account program our example couple John and Rebecca will save $121,855 in interest. What could you do with that extra money. Take vacations, retire spend more time with family?Utilizing the Money Merge Account program our example couple John and Rebecca will save $121,855 in interest. What could you do with that extra money. Take vacations, retire spend more time with family?

    21. ACHIEVING YOUR FINANCIAL GOALS BEGINS WITH DEBT ELIMINATION WILL IT WORK FOR YOU? THERE IS ONLY ONE WAY TO FIND OUT. ASK YOUR LOCAL MA INDEPENDENT AGENT WHO INTRODUCED YOU TO THE PROGRAM TO RUN A FREE, NO OBLIGATION ANALYSIS ON YOUR TOTAL CONSUMER DEBT. THERE ARE NO CREDIT CHECKS OR ACCOUNT NUMBERS REQUIRED TO SEE WHAT YOUR POTENTIAL SAVINGS COULD BE. Will it work for you? There is only one way to find out. Get back with the MA representative who introduced you to the program and ask them to run a free no obligation analysis on your debt. There are no credit checks or account numbers required. Will it work for you? There is only one way to find out. Get back with the MA representative who introduced you to the program and ask them to run a free no obligation analysis on your debt. There are no credit checks or account numbers required.

    22. LEGAL NOTICE MARKET AMERICA, ITS AGENTS AND SUBSIDIARIES PROVIDE INTERNET WEB-BASED SOFTWARE AND SUPPORT SERVICES. MARKET AMERICA DOES NOT PROVIDE ACCOUNTING, TAX, LEGAL, REAL ESTATE, MORTGAGE OR INVESTMENT ADVICE. INTERESTED PARTIES SHOULD SEEK AND CONSULT WITH PERSONS OR ENTITIES LICENSED OR QUALIFIED IN THESES AREAS FOR ADVICE RELATED TO THOSE MATTERS. MARKET AMERICA IS NOT LIABLE OR RESPONSIBLE FOR CLAIMS OR REPRESENTATIONS MADE BY ANY PARTY WHICH ARE NOT INCLUDED IN THE MONEY MERGE ACCOUNT® LIMITED GUARANTEE.

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