The year 2005 marked the first negative savings rate we have had as a nation, since The Great Depression.

United States, – (February 12, 2007) – Last year consumers spent all they earned and then some, pushing the personal savings rate into negative territory at minus 0.5 percent, reported by the government last week. This has only happened two years in American history, in 1932 and 1933, when Americans were struggling with huge job layoffs during the Great Depression. United First Financial is an innovative company that has introduced a powerful tool to help Americans fulfill the dream of home ownership and save money for their future.

The history of the Money Merge Account begins nearly a decade ago, when Skyler Witman and John Washenko launched Accelerated Equity, which became one of Utah’s fastest growing mortgage companies. “But in the face of all the growth, Skyler and John began to notice the overwhelming mountain of debt their customers were accumulating. As loan officers, they could offer their clients little help. After much research, they realized that their customers needed something more,” said Karen Steele, Independent Financial Agent for U1st Financial.

“In 2002, they discovered a method used in several other countries to pay down mortgages in record time which required no day-to-day financial impact, while paying off debt and saving hundreds of thousands of dollars in interest. Further research on these financial elements motivated Skyler and John to develop a top-notch IT division and contract with a mathematical engineer from GE Aeronautics to begin creating the mathematic algorithms (math engines) and system programming that would become the heart of the MMA,” notes Karen.

Research on the company finds that after several years and millions of dollars; a 1-year market test was done in Denver, Colorado. It actually exceeded the founder’s expectations, the initial 400 homeowners who signed up for the test market for the Money Merge Account were achieving even better results than predicted! The Homeowners who had the traditional 30-year mortgages were on track to pay off their mortgages in 8 to 11 years, and this is with paying off other debt in the process. They even had a rate of 20% better savings and payoff time what was initially expected. “By the time Americans pay a $200,000 Mortgage off, the amount paid is well over $400,000! This program potentially saves tens of thousands of dollars in interest alone,” states Karen.

The program has become so successful that the team is busy rolling out educational seminars across the country, helping thousands of Americans get on the fast track to financial freedom without a mortgage. The demand for the MMA is exploding and the company continues to bring on board the smartest, most talented financial agents in the country to help homeowners realize their dream.

For a free MMA Financial Analysis of your particular case to see how the Money Merge Account might benefit you personally, or to attend an educational seminar in your area, or to request your free educational DVD, please call Karen Steele (888) 826-2652, or email karen@advancingfutures.com


Brought to you by Karen Steele, Independent Agent of United First Financial,Agent UFF#55638