From a very satisfied customer an unsolicited testimonial:

>>>>>>>>>>>>Recently, my wife and I were migrated to Version 4.1 of our Money Merge Account Software Program. How is it working for us? In one word: WOW. No, WOW doesn’t quite cut it. WOW times 1000. There, that is more accurate. In only two short weeks on the product, we have:

* Evaluated 4 different investment opportunities to find the best one.
* Taken our 28 year long mortgage down to 4.78
* Realized the impact of our “eating out” habits and reformed our ways
* Paid off over 50% of our credit card debt

These are facts! I have the proof on paper in black and white ink.

Could I have done all that on my own? Sure, but how long would it have taken me? The 4 investment opportunities alone would have kept me knee deep in excel spreadsheets for the next month or so. How long did it take with the MMA? About an hour for all 4.

Would I have been able to realize the impact of moving $4,631.50 from savings to send to my Visa card? Not a chance. I would have probably just kept making minimum payments. Or I would have just sent an extra $1,000 or so. How would my human mind have ever conceived that $4,631.50 would leave behind enough in my savings to earn maximum interest and keep me liquid, while maximizing the reduction of principal on my credit card and thus minimizing the interest that I give to my credit card company?

How could I have known that for every $50 I spend in dining out was actually costing me $71.16 in true costs? That is years and years of drowning in consumer debt that I can save myself. All of a sudden, the Olive Garden didn’t taste so sweet.

So to everyone out there that thinks they can get themselves out of debt, build true lasting wealth, and never worry about money on their own: I wish you the best of luck. For me; I sleep like a baby knowing that I will be debt free in 4.78 years, be a millionaire by age 35, retire at the ripe old age of 40.

Will I ever have to stress over a major financial decision? NO. My un-biased software will make those calls for me.
Will I ever wonder if my money is really working for me or someone else? NO. I know my money is where it will suit me best.
Will I ever miss a payment or risk damage to my credit score? NO. My software will remind me to pay all my bills. It will even do most of that work for me!

But hey….you can do this on your own. Have fun with the countless hours of spreadsheets and turmoil. I will be relaxing with my family if you change your mind.<<<<<<<<<<<<

A friend shared this video with me and it is such a beautiful tribute to our armed forces:  videoplay?docid=-2487638612433437293&q=Vetera Enjoy!

It seems there are many people with post election blues.  I believe the way to get through that is to look around and see all that there is to be grateful for.  Before I even get out of my nice warm bed I am grateful for what a great mattress I have, it just snugs around me.  On the way to make coffee I am grateful for the particular blend that I love, its a combination of Hazelnut Decaf with a small amount of regular mixed in.  While I waited for the coffee this morning I listened to the wind whistling throught the trees and was grateful for my nice warm house in the mountains with pinon and juniper just outside my window.  On my way to the office I was grateful for the blazingly blue sky and the marvels of engineering that constructed the freeway that leads me safely into town.  Of course it goes without saying how grateful I am for my wonderful family and friends!  Last but not least I am grateful for this great country we live in!

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.

OK I just wanted to brag a little bit on my real estate site:  www.AlbuquerqueNMRealty.com

It seems as though I’m number 1 on a google search for East Mountain Properties in NM.   I feel pretty good about that as 67% of searches use google so it truly is the standard by which we judge.  I’ve been in this 12 week internet marketing class and experiencing first hand all the work this takes!  My RE site is not made from scratch like my UFirst site:  EraseYourMortgageDebt.com Thanks to Brooke Barnett for taking the time to teach all of us illiterate non-techies just what it means to get google and alexa rated on the internet!

I have to confess though that I have tweaked and re tweaked my website for 3 weeks now.  It has become a great vacuum to which a lot of my time is going!  Please send me your comments!

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!

News from the Feds hot off the press regarding loan limits.

The Federal Housing Finance Authority (FHFA), will announce 2009 conforming loan limits for Fannie Mae and Freddie Mac by November 7.  The limits will define the maximum loan size of mortgages that can be purchased.

Under Housing and Economic Recovery Act of 2008 , (HERA )passed July 2008, the FHFA was directed to set conforming loan limits each year for the nation as well as for high cost areas.  The rules governing how the loan limits are established differ from the rules set forth in the Economic Stimulus Act of 2008, (ESA) which applies to loans originated in 2008.  Under ESA loan limits for high cost areas were set at 125 percent of local house price medians and the maximum high cost limit was 175 percent of the nation conforming limit ($729,750 in the continental US).  Under HERA, the high cost area loan limits are 115 percent of local price medians up to a maximun of 150 percent of the national limit.  In 2009, if the national limit remains at $417,000 for one unit properties, the max limit in high cost areas would be $625,000 for the continental US.

To determine high cost area limits under HERA for 2009, FHFA will use median home values estimated by the Federal Housing Administration (FHA) of the Department of Housing and Urban Development (HUD).  The FHA median prices will be calculated in the coming weeks by FHA for the purpose of determining its 2009 loan limits.  Information can be found here.