United First Financial

Have you made your New Year’s Resolution yet? If not you better get busy as we are now into the seventh day of 2009! If so was getting out of debt on your list?  Getting out of debt is high on the list of most people. I think it is higher than that on my list but probably because I have found the way to do it!

Since starting the Money Merge Account (MMA) System a year ago we have reduced the time to pay off all debt to 8.3 years. This terrific program is like a financial GPS system that shows you how to get to where you would like to be, which I think for all of us is out of debt. However before the United First Financial MMA came into my life I had no idea how that could be done! Like most of us I just assumed that paying off your home was a dream not achievable by anyone except the wealthy! As a long term real estate agent I was used to helping people get their dream home and along with it of course a mortgage.  That is the American dream of home ownership.   Becoming debt free which seemed impossible with our mental programming that having a mortgage was good for us!  After all we do get a tax deduction on the interest!  If you like to save 25 -30 % on every dollar but in so doing lose the 70 – 75 % on interest to a bank it’s ok and the banks need it!  However I decided to take charge of my financial future!  After all the banks are getting bailed out but so far no one no one has offered to bail me out!

Everyone I meet is first excited about the possibility but then doubt sets in, see The Nine Stages of the MMA. To overcome the doubt I did my due diligence; thoroughly checked out the company and found it to be a sterling company with an unblemished reputation. Then of course since I have an extensive background in math due to my pre-med education the next thought was I could do it myself! It was demonstrated to me that the MMA program will out perform just putting an extra fixed amount of discretionary income toward the mortgage.  Not to mention we tried to just put extra into the principle  before and it is very hard to be disciplined enough to follow through!  I think we did it a few months before life happens and there is always another use for that money!

With the MMA system there is little to no change in lifestyle but you are following this financial gps tool toward becoming debt free!

Becoming debt free is high on my list of New Year’s Resolutions, along with riding more and worrying less!

Find out more about United First Financial’s Money Merge Account!

These are the seven stages of an introduction to the  Money Merge Account® system to pay off mortgage and consumer debt to become debt free.  (From personal experience)

1)  Total disbelief; there must be something wrong with it, it sounds too good to be true, why haven’t they heard about it before or the best one is “I can do it myself”.

2)  Rhetorical questions such as:  how does it work, why can’t I do it myself, why isn’t everyone on the program?

3)  Doing an analysis when curiousity gets the best of them.

4)  The client is understandably impressed when they find out how fast they can pay off all their debt, sometimes as little as 1/3 to 1/2 the time.

5)   Fear of moving ahead with a new paradigm shift.

6) Anger at the fact that they realize now what the banks have been keeping well guarded and how easy it is to be your own bank.

After setting up their own personal Money Merge Account system

7)  Enthusiastic about the program.

8)  Starts telling everyone they know about what a great program they’ve found to get out of debt and retire early.

9)  Signs up to become an agent of United First Financial® to help others get out of debt!

“All truth passes through three stages. First, it is ridiculed. Second, it is violently opposed. Third, it is accepted as being self-evident.” – Arthur Schopenhauer, (1788 – 1860)

Parade of Homes

The balloons are gone.  They have floated away until next year so that means get your footies on, its the Homes of Enchantment Parade. Quick!  Sock check!  October 11 thru the 26th make sure you don’t have your Swiss cheese socks on!  It can be a bit embarrassing when removing your shoes to tour the homes on parade!  All the parade homes have been spiffed and shined and they all require those cute (?) or not so cute booties that we are used to seeing in the surgical suites at the hospital. In the Parade prices range from $168,500 to $4 million!  (Wow imagine the payments on that one!)  Just a few short years ago we could count on one hand the number of homes over a million.  Last time I checked there were 68 in the MLS. If you like architecture and seeing all the newest and best of everything, get those booties on and shake your booty to the Parade of Homes.

Say goodbye to all those beautiful balloons until next year!  It was a somewhat dreary end to the fiesta this year as the last weekend flights were cancelled due to weather.  Friday night’s balloon glow was also cancelled due to winds but the worst news of the fiesta was went a balloon went down early Friday morning killing the pilot when it hit power lines and ignited.  The passenger remained in critical care several days later.

But on a cheerier note, it happens ever year;  someone pops the question floating above the crowds.  Better yet every year someone actually ties the knot while floating overhead.  I can’t quite imagine all that preparation: hair, gown, makeup, hose, garter, something borrowed, something blue, before 6 in the morning!  And then to have it ruined as soon as you hop into the balloon!  Speaking of hopping into the balloon, exactly how does one do it in a wedding gown?

However this year rumor has it that a gentlemen hired 2 ballons, one for his lady friend and one for himself.  On his balloon he had a banner proposing marriage to the lucky lady.   Again rumor has it she said no and landed never to be heard from again!

Mark your calenders for next year’s Albuquerque International Balloon Fiesta on October 3, 2009.  We’ll put in our order for better weather early and be sure and put your reservations early as this town fills up!