Debt, and especially bank debt, is a form of modern day serfdom. It enslaves you. Being debt free, including mortgage free, is the path to true freedom. This slide show presents a working example of one way to retire your mortgage permanently and more quickly than you can imagine. We invite you to click through the presentation at your leisure and contact us with any questions you may have. Read Full Story

This story is a sad sign of the times. If you have followed the game of baseball at all over the last 20 years, you have probably heard of Jose Canseco. Just in case you are not familiar with him, he hit over 450 home runs during his approximate 15 year career. He also used steroids, wrote a tell all book naming other Major League players who also used steroids, and starred in a reality TV show. He even drew over 900 walks (base on balls) in his career. Read Full Story

We advocate getting out of debt as soon as possible and staying out as long as possible. There is, however, an exception to that rule. It is wise to go into debt if (This is Important) the borrowed money can be invested at a higher rate than is being charged, and if the investment carries minimal risk. For example, it would be wise to borrow at 10% if the money will earn 20% and not be subject to high risk. Business loans use this model. When businesses borrow money, it is done with the as... Read Full Story

The Real Question Should Be: Is Money Working For You Or Against You? That would depend on which side of the fence you are standing. And to answer that question to the best of your ability, we’ll have to ask: What Is Money? Webster’s Dictionary defines money as something generally accepted as a medium of exchange, a measure of value, or a means of payment. Hmmm. That’s a little vague. Going back in time, people of the world used bartering instead of money. This is nothing more than... Read Full Story

Most people agree and realize they pay way too much interest on their home. And most will also agree that there are several tools, methods and programs that can reduce the amount of interest that homeowners would otherwise fork over to the bank. Where the disagreements occur is deciding which one is best. Read Full Story

This posting offers a change of pace from the Money Merge Account because there is more to life than just one product or service. Unless you have been living in a cave without any of the modern day conveniences, (telephone, television, computer and internet) you have been deluged with information about the impending mortgage meltdown. And more recently, the Bear Stearns fiasco. However, I read an interesting article that deals with the herd mentality and selling your home. While you may or... Read Full Story

A curious thing happens when there is a new development the marketplace. Human beings, who are naturally social, gravitate to one side of the fence or the other. In fact, the more revolutionary the product, service or concept happens to be, the more passionate both sides become. This certainly seems to be the case with the Money Merge Account created by U 1st Financial. While this product is no longer brand new, the dialogue about it on chat rooms, blogs and even mainstream media seems to... Read Full Story

The existing mortgage on your home is the foundation for the Money Merge Account. Refinancing is NOT necessary and will work with any type of mortgage except reverse mortgages. Read Full Story

Showing and discussing various topics and methods designed to get the average consumer out of debt is an idea that every adult should participate in daily. Debt, and especially bank debt, is a form of modern day serfdom. It enslaves you. Being debt free, including mortgage free, is the path to true freedom.This slide show presents a working example of one way to retire your mortgage permanently and more quickly than you can imagine. We invite you to click through the presentation at your l... Read Full Story