Welcome Everyone!
Those who get ahead financially have a vision and a financial plan. Those who don't, usually wind up where their lack of vision takes them, which is NOT where they want to go.
Ask any pro golfer what they plan to do with their next shot, and they say they'll visualize it.
Same for many pro baseball players. They "see" the ball coming, almost in slow motion, before they hit it.
You ask the average person if they have a vision for their money, and a financial plan, and they'll look at you as if you are asking them what E=mc2 means.
Why is it that the chasm between the have's and the have not's in our society is widening?
Because most people are horrible when it comes to personally managing their money and having a personal financial plan. Just look at the recession.
Poor money management, budgeting and financial planning skills were the cause. Combine that with a lack of VISION and a lack of a financial plan, and there's no question as to why so many people were hit so hard.
Our loans contain within them a jewel of wealth. Yet most people do not look at them this way. Why? They need a VISION when it comes to their money. This personal financial software program can help provide that vision.
When we sign those loan documents, we are, in effect, working to build the wealth of our bankers. Hundreds of thousands of dollars go from our pockets into theirs. Millions and billions of dollars, actually.
And most people are okay with this because they have a few bucks left over at the end of the month. They THINK they are getting ahead.
What's your VISION for your future? Do you see how the hours you spend to make money end up going into someone else's pocket?
Because you are here, you are a breed apart. At least I hope so. You have before you a chance of a lifetime opportunity. You get to discover how you can use this personal financial planning software program, and your credit line, to get wealthier.
To make it easy, I offer a free look inside with the FREE ANALYSIS I provide, as to the kind of wealth accumulation we are talking about, too.
Here's an interesting piece of insight...at least I think so...
Most people will spend hours behind the television, watch sports, dramas and movies, yet how much of their time is spent watching their money? Very little to none.
And that's one of the reasons why the gap is widening. Most do not have a VISION and a financial plan. This software is an awesome start to get you on the road to financial freedom, as it supplies you with a VISION and a plan to save thousands.
With all the money you save, would you like to...

You can if you create a VISION using this software AND the money you save with it.
Just enter your name and email below, and click the "Submit For Free Analysis" button, and you'll be one step closer towards saving a great deal of money.
Sign Up For Your Free Analysis Today!
(You'll be glad you did)
After signing up, you’ll be getting two different emails from me:
- The first email is for confirmation of receipt for the FREE ANALYSIS. This is to keep things safe and SPAM-Free. (I can't stand SPAM.)
- The second email will direct you to the FREE ANALYSIS Worksheet document, and a short 6-minute tutorial on how to fill it out.
Quickly returning it to me will provide you with...
- How many payments
- How much money, and
- How much time
…you can save using this award winning program. Award winning? Yes...
“2008 Ernst & Young Entrepreneurial Award in Financial Services”
A client of mine signed up and realized he could save $326,000 on his mortgage and credit cards. That is one heck of a financial windfall. Not to mention he's now getting out of his mortgage 20-years sooner! That's 20-years of payments this program is allowing him to save. Isn't that amazing?
What about you? How many payments would you like to save?
This Personal Financial Planning Software/Money Management Program Will Allow You To Enjoy Life More!
Consider what you’re paying each month on your mortgage or on other loans…
Are you paying...
- $800/month?
- $1,200/month?
- $2,000/month?
- Or is it even more?
Now, imagine some of the things you could do with ALL THAT MONEY, i.e.
- Add hundreds of thousands to your retirement!
- Help or send your kids to college!
- Invest in rental properties or real estate!
- Go on a much needed vacation with the family!
- Travel to some exotic locale!
By simply signing up for a FREE ANALYSIS today, you can discover how much money can be made available to you for YOUR use and pleasure...
Sign Up For Your Free Analysis Today!
(You'll be glad you did)
Frequently Asked Question’s About How Our Personal Financial Planning Software/Money Management Program Will Allow You To Enjoy Life More By Saving You Thousands!
Some of you love information. That's why I've included some FAQ's about this personal financial planning software program. Here they are:
- Is it safe to use my line of credit (American Express, VISA, MasterCard, Discover, a personal/advanced line or HELOC, home equity line) to quickly pay off my mortgage and my loans?
Yes. It is absolutely safe. It's no different than purchasing a coat, some shoes or a new gas grill. All we are doing is "buying" down your principle balance and saving TONS of interest. A $300 minimum credit line, along with some discretionary income, will get you off and running!
- What exactly is discretionary income again?
Discretionary income is the amount of money you have left over after paying off all your monthly expenses. You know, things like your mortgage, student loan, car loan, entertainment, cigarettes, groceries, etc. It's the amount of money people typically have left over at the end of the month, which often goes or stays in savings.
- There is nothing worse than purchasing something and being left out in the cold with no support. What kind of coaching/support do you provide?
Award winning customer care and client support, as well as free financial coaching are all included in the program.
- What is the cost of the program?
Cost is based upon the number and types of loans you have. After I run your FREE ANALYSIS, I'll know, and then you'll know.
- I'm still a bit apprehensive. What proof do you have that this program works?
I completely understand your apprehension. I too needed to be convinced before buying.
But when my FREE ANALYSIS showed me how I could save 11-years and over $20,000 on my student loan, I was hooked!
Want even more proof?
Okay, you got it. Listen to Nancy, one of our many satisfied clients who, at first, didn't believe what this program can do. Now, she's living proof that this is nothing short of amazing:
Want even more proof?
We have almost 2,000 testimonials from clients who are using this program to wipe away years of payments. YEARS of payments.
We also won a prestigious award from a top accounting firm.
You can see all that by clicking here.
Oh, and just one more thing...
(I thought I’d save this little goody until the end.)
There's a 100% Money-Back Guarantee.
Some final thoughts to ponder...
- Are you creating the life you want?
- Will your needs for money grow in the future?
- Have you considered a life full of financial freedom?
- Do you have a financial vision?
Money is the fuel for life. Without it, we can’t do much of anything.
While this program can’t make you to hit the $250,000,000 mega-millions lottery, it can put thousands, if not hundreds of thousands of dollars, back into your pocket.
In the words of that really smart guy, Albert Einstein, you know, the genius who founded the Theory of Relativity:
“The most powerful force in the universe is compound interest.”
When you use this program, you'll reduce your principle balance(s) really fast and save tens to hundreds of future payments. That's thousands, if not hundreds of thousands, of dollars. You think you could enjoy life more with more money?
That all depends on your VISION and the life you deserve to have.
Sign Up For Your Free Analysis Today!
(You'll be glad you did)
To A Wealthier Future!

Jeff Lobaza
Wealth Builder
Loan Saving Expert
P.S. Look at all the wonderful things my clients are now able to experience by saving all these payments!

Sign Up For A Free Analysis!
Discover Just How Many Payments You Can Save!
There's No Risk! There's No Obligation |
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"Wow! I showed the Money Merge Account program to my financial planner and he said that every homeowner in America should be using this program. He is now showing every client in his database the Money Merge Account program!"
-Keith W. |
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“I have been on the Money Merge Account system for 1½ years now, and I have saved over $40,000 in interest so far. Believe me when I say the system works!”
-Bert W. |
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“I think this program is the best thing I’ve ever seen. I didn’t think it would work for me, but now, I will pay off my 27.5-year mortgage in 16.5 years … Thank you!”
-Diane T.
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"It's 11.6 years. When I bought the house, it was 30. Two years after, it's 11.6. I know nothing about finances. My lifestyle has not changed one bit. It's hard to explain. It's just amazing. This program was adapted for me. This program can be adapted for any situation. (Student loan, mortgage, car, rental property, etc.)"
-Cindy D. |
"In this time of recession, decline in home values and high property taxes, your program is a life saver ... or, I should say, a ‘home saver’ for us. We are not only excited about using it for ourselves but also involving our parents and friends and helping them achieve total ownership of their homes, especially since we are all getting close to retirement and will be on a limited income. The elimination of a mortgage with a guaranteed place to live, especially for middle-aged people is a huge weight lifted!"
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Mary D. & Wayne D.
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"If we continue on the track we are on right now, in less than 7 years, our mortgage will be paid off. The biggest benefit is how it has helped our household cash flow. This can really help families. It's helped ours."
-Bob D. |
"Eddy (my personal coach) was not only extremely courteous but truly a jewel to work with and interact. I was extremely tired when the coaching session began, due to a long day of work; but, by the time Eddy completed his coaching, I was truly motivated, energized and ready to begin my prosperous financial future. I also like to take the time out to express my deepest gratitude and appreciation to Nick T., whom I have truly come to adore and tremendously respect. I have been given the opportunity to join a lifetime relationship with truly the most dedicated professionals and I am privileged, honored and tremendously blessed. Thank you much, United First Financial!"
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Laura C. |
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"I've reduce my principle balance $32,000 in one year. I couldn't have done this on my own. No way. You can reduce your balance quickly and see the results quickly. This is the best investment I've ever made. It's working better than I ever thought it would."
-Chris C. |
"I learned a lot from my first coaching session. Sam was very knowledgeable and made sure I understood what he was talking about before he went on to the next section or category. I'm excited to catch up on my bills and be a little more organized. Thanks, Sam G.! "
-Kim L. |
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"In the last year with the software, we've knocked our principle down $22,000. I think about the interest I'm saving when I don't have a mortgage payment in 6 years. You don't understand how it works until you get the program and see how it works. Then the light bulb comes on. It works. It really works."
-Curtis & Jennifer |
"This is an amazing program. This will work well with those who have a fixed level of income. For those of us who are on commission sales or erratic income, it may take a little more faith in the product to be patient and persistent to see actual outcomes. The first couple of months were great. I'm now in a waiting stage, eager to see more movement down on my mortgage, but I guess that is good. This program definitely has curbed some spending I might have done otherwise. I encourage all to really hang in there and work the program. Financial freedom is just around the corner, and that is much better than other scenarios without this program."
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Randy & Rebecca D. |
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"Nothing from a payment standpoint really changes. It pays for itself. There's no way we could ever repay them. We don't make a lot of money. This is there for your benefit. It's a sure thing."
-Gina F. |
"We have been amazed with the software, support, and overall attitude of people involved with UFirst. Our numbers have gone from 27 years to 7.25 years and will get better as time goes on. Mainstream media critics have nothing over on this as much as they try to. Looking forward to an old-fashioned mortgage burning party! Thanks a Million!"
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Randy W.
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"If you've got any problems at all, all you have to do is pick up the phone. Someone will be there to answer your question and get you to where you need to be."
-John B |
"I love the Money Merge Account program! It is like a financial video game. I update it often. At least once a week. I am a frugal person, but this tool has helped me focus even more on my goals. I am determined to increase my discretionary income to make the program pay off faster. Thanks, UFirst, for the Best system I've ever seen to help people get out and stay out of debt."
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Robert & Jeri C. |
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"It's amazing. I actually look forward to my mortgage payment in the mail. It's fun to see each month how much my equity keeps going up and up. We are looking to a 5 year payoff and all the extra things we will do with that money. You will not believe it, but after a couple of months, you won't want another financial planning program to help you out."
-Nancy G |
"We have been on the program for one year now. When we started, we had 23 years left to pay on our 1st mortgage and 12 years left on our second. We paid off one vehicle and now we are down to 3.4 years. This is a miracle! We LOVE the Money Merge Account program --- it has given us a new lease on life, knowing we can pay off everything in such a short time. When we first did our analysis, we were at 7.5 yrs.; but, we have changed some things around when we saw what it would do to our payoff. Thank You United First Financial. We will try hard to help other people get the same relief we did."
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Robert & Gail D. |
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"This is a tried and true software. It's so easy to follow, so easy to understand. At a glance, you know exactly where you need to be. You'll always get help when you need it. We would encourage for anyone who wants to try this to take control of your life."
-Jeremey & Angela |
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