MONEY MERGE ACCOUNT SOFTWARE BY UFIRST:

The Money Merge Account System
Have you read the recent headlines lately? 

* Foreclosures are up, the highest in 16 years! 
* Home values are Down! 
* 85% of Homeowners, 65 or older, have 20 more years left to pay on their home mortgage loans.
* Most Americans are living paycheck to paycheck!
* Most Americans have minimal to ZERO in their savings!
* Most Americans have minimal to ZERO in their 401k!
* 74% of Americans 70 and older live on $10,000 or less per year!
* Source US government statistics 2006 & 2007

Translation…
    … most Americans have too much month at the end of their Money!  This is a direct result of being conditioned that it is OK for us to carry heavy debt loads while we live on "borrowed time".

As a result, most of us are drowning under a mountain of debt and are digging ourselves in deeper with each passing day.

 How did we get in this financial mess?  Many of us were never taught the basics of money management and putting our heads in the sand definitely will not change the outcome!  Ultimately, it is our responsibility to learn how to handle our own finances.

Critical Money Facts Never Taught in School

1. Mortgage interest and finance charges on your home, cars, and credit cards can put a major dent in your financial future. 
   In fact, the banks make quarterly and yearly projections on how many homes they believe will go into foreclosure or how many credit cards they expect will default.
   
2. If you were to make the minimum payment on a Credit Card balance of *$2,000 with an 18% interest rate, it will take you 10 years to pay off and cost you $1,100 in interest.  That’s 55% profit for the bank!
   *MSN Money Basics Oct.2007
   
3. Every time you make a deposit in the bank, the bank takes your money and puts it to work.  Your money does NOT go to work for you, it goes to work for the bank earning them interest 24/7!  That's a great business solution, why shouldn’t your money work for you!
   
4. On a typical 30-year mortgage, you will pay almost 2X the amount of your original purchase price!
   
5. Contrary to what we have been taught, you can live debt free - you don’t have to be in debt!  There are options and making your money work for you is a big part!  The truth is, it's easier to take control of your financial future than you think.

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