Is your Money Working For You
 or Working For Your Bank?
THOSE WHO UNDERSTAND HOW INTEREST WORKS, EARN IT. …..THOSE WHO DON’T, PAY IT!
  by Derek Ward

Have you ever dreamed of owning your home free and clear? What would you accomplish financially for your family if you no longer had a monthly mortgage payment?  What if you could own your home free and clear by the time you’ve reached retirement age?  For most, this is simply a dream as we wait for our numbers to come up in the state’s lottery game.

 There is a concept dedicated to putting financial freedom in the hands of all homeowners who will take the time to simply understand how money works.  Those who understand how interest works, earn it.  But those who do not, pay it!

 This concept is fairly new in the U.S., but has been very popular in other countries such as Australia, New Zealand and Europe for many years.  The Money Merge Account system (MMA) is a web-based system providing software, service, and financial tools that guide homeowners more efficiently on how to manage, monitor, and pay off their mortgage and other consumer debt faster than they would on their own.  The online software works as a financial dashboard enabling homeowners to effectively manage the entire process of paying a mortgage off as fast as mathematically possible.  By using the online account register system, participants able to make better financial decisions when it comes to planning and capital expenditures.  The only way a homeowner could become mortgage free more quickly than by using the Money Merge Account system is if they had enough money to pay off their entire mortgage all at once.
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After specific amounts have been transferred from the homeowner’s line of credit to the mortgage balance, they will deposit or transfer their payroll income back to the line of credit balance.  By paying their income to the outstanding balance on the line of credit, a substantial portion of the interest charged on the line of credit balance is then canceled.  This simultaneously satisfies the banks requirement of a minimum monthly payment on the monies borrowed from the line of credit.  The homeowner will continue to use the line of credit as their primary checking account by using the lender services that accompany the account, such as checks, debit cards, or ATM to satisfy their regular expenses and bill pay needs throughout the month.  Believe me, this sounds much more complicated than it actually is.

The Money Merge Account software instructs the homeowner to follow an action plan and update the software by simply clicking ‘execute’ when the prompted transactions are completed.  Each time the Money Merge Account software determines an optimum balance has been reached on the line of credit, the software will instruct the user to initiate another specific funds transfer amount from the line of credit to the principal balance on the primary mortgage.  The real time software allows the homeowner to view their expenses, income, equity build up, line of credit balance, and principal reduction at all times.  In addition, the software allows the homeowner to stay up–to-date with changes in their monthly income, expenses, and mortgage rates, as well as make changes to their monthly budget as their circumstances change.  The MMA system accommodates all of this with no alteration to a user’s current standard of living.  Homeowners can now have their money work for them instead of the banks, yet always have immediate access to their money through the line of credit.

This is an excellent financial tool for investment and rentals properties, too.  By utilizing the software’s action plan, equity is accelerated while the mortgage balance is rapidly reduced.  When the property is later sold, the mortgage balance is lower and profits are higher.  It would take approximately 4.7 years to reduce the mortgage balance to what the MMA system is able to accomplish in only 12 months.

While the Money Merge Account program is an excellent financial tool for many, it may not be suitable for everyone.  You must be a homeowner and have more money coming in monthly than you have going out.  If a prospective user’s Money Merge Account FREE analysis report indicates minimal results, they may not be accepted for program enrollment.

To find out more about the MONEY MERGE ACCOUNT system and get your FREE personal analysis, please visit my website at www.TheFinancialEducator.blogspot.com

 There is no credit check required and there is no obligation to find out how soon you could be ‘mortgage free.’

About Derek Ward
As an accomplished multi-state mortgage broker, co-founder of the former First Federal Mortgage in Palmdale, CA Derek Ward is a nationwide financial educator.  Securing proper education and credentials, his goal was to be a resource to others so they would not experience the stress and turmoil he suffered when purchasing his first home.  He has since purchased and  sold numerous investment properties; brokered million dollar real estate transactions and now resides in a seclusive gated community north of Los Angeles, CA.

Ward is a man on a mission dedicated to educating consumers to the many financial choices available; but not often understood.  Promoting the legacy of debt freedom, he is now more intent on fulfilling his original aspiration to help others become financially educated and independent.

Ward is currently reaching out to families and homeowners nationally to address their needs and concerns through education and awareness. 

To find out more information on Derek Ward, please contact Jazzymyne Public Relations at makeda@jazzmynepr.com or visit his website at www.thefinancialeducator.blogspot.com