Welcome to Independent Agent and to my personal business website! Please take a moment to explore this site. You will find that UFF offers an exciting business opportunity driven by an amazing, innovative program, offering tremendous earning potential in the unlimited direct selling industry United First Financial is an innovative company that helps homeowners reach their financial goals. Thousands of people have reaped the benefits of our powerful and successful plan.   Pay off your mortgage in a fraction of the time. United First Financial helps homeowners reach their financial goals through the Money Merge Account system - a full package approach that includes financial education, toll-free coaching, and innovative online software. Thousands of our clients understand their debt situation better than ever before, and they are using this knowledge to pay off their mortgages in a fraction of the time, all without increasing their minimum required monthly mortgage payment.   Take control of your finances with little to no lifestyle change. The Money Merge Account system operates on proven banking strategies, using your discretionary income to cancel mortgage interest and pay off your home years in advance. And it makes all of this possible with little to no change to your day-to-day spending habits and without increasing your minimum required monthly mortgage payments.   To see whether the Money Merge Account system is right for your situation, complete our Online Analysis today.  Become A United First Financial Agent Become a United First Financial Agent and offer the Money Merge Account to your clients, family and/or friends. The Money Merge Account will help them payoff their mortgage and debts faster and easier then any other program available. This program is ideal for professionals such as: 1. Mortgage Brokers 2. Real Estate Agents 3. Accountants 4. CPAs 5. Finanical Planners 6. Appraisers 7. Title Agents Not in a Financial or Mortgage related field? Don't worry, we have many people on our team who are not and come from many different types of industries: 1. Firemen 2. Police Officers 3. School Teachers 4. Doctors 5. Lawyers 6. City Employees 7. College Students 8. Business Owners 9. Stay at home wives 10. Anyone looking to help others become mortgage free and get out of debt 11. No license is required - You do not have to be a licensed professional to offer this program, anyone can do it. 12. Ability to close deals throughout the United States - You can offer this program across the United States and soon other countries. 13. Generous compensation plan - United First Financial has the best compensation plan in the industry. 14. Free Replicated Website - All  agents will receive a copy of the website UFF 15. Online Training - Training Webinars online are held on a daily basis to train you and your Agents. You will find this extremely helpful as you grow your United First Financial business as your Agents will be able to get the training they need no matter where they are. IMPORTANT AGENT INFORMATION:   http://www.uffmarketing.com/900315 CPAs, FINANCIAL PLANNERS, MORTGAGE AND REAL ESTATE BROKERS, CONSIDER OFFERING THE MONEY MERGE ACCOUNT PROGRAM TO YOUR CLIENTS United First Financial permits qualified people to act as registered agents to provide the Money Merge Account to their clients. Acting as a Money Merge Account Agent provides opportunities to earn commissions while helping their clients save tens of thousands of dollars in mortgage interest.  And because the mortgage interest savings are typically massive, many UFF agents enjoy a very high referral rate from clients. The initial position with the company is as an Associate. Associates are required to pass a rigorous certification through the United First Online University. This qualifies them to explain the benefits of the Money Merge Account to their clients and to help them pay off the typical primary mortgage in as little as 8 to 11 years. The management and advancement structures are based upon those found in the Insurance Industry. If you are interested in discussing the opportunity please give us a call for more information at 231-580-3073       MORTGAGE ELIMINATION PROGRAM   Most homeowners realize they will pay about twice the purchase price of their home on a traditional mortgage—a mortgage that will take about 30 years to pay off. Introducing a way to break that cycle of financial drain—the Money Merge Account™ system. Developed by a team of financial experts with years of experience in the mortgage industry, the Money Merge Account system rapidly reduces the principal of your mortgage, helping to reduce the interest on your loan. Your mortgage can now be paid off in as little as 1/2 to 1/3 the time, with little to no change to your lifestyle or refinancing of your existing mortgage. The Money Merge Account system is not a bi-weekly payment or debt roll-down system. It’s a powerful new approach that gives homeowners flexibility with their money and accelerated financial freedom. A side-by-side comparison of a traditional mortgage repayment shows the savings potential using the Money Merge Account system vs continuing to make standard mortgage payments. A 30-year, $136,000 mortgage at 5.25%, when paid through conventional monthly payments, will result in a 30-year total repayment of $270,784 – nearly twice the cost of the home. The Money Merge Account program can help repay the same mortgage in 11.3 years with a total repayment of $181,217. An incredible savings of $89,566 is realized on the same income, with the same mortgage, at the same interest rate, with little to no change to your standard of living. The Money Merge Account system is simply one of the fastest ways to repay a mortgage and be on your way to financial freedom. http://www.uffmarketing.com/900315               FINANCIAL OPTOMETRIST.(SAMPLE)POTENTIAL.                                      MMA.........REG.MORTGAGE YEARS TO PAY MORTGAGE........10.4YRS..........30YRS. INTEREST PAID.............................$70,422............$231,677 INTEREST SAVE.............................$161,258...........$0 RETIREMENT ACCOUNT.............$700,000...........$0 PAY OFF AT AGE..........................50YRS.............70YRS. INSANITY: IF YOU CONTINUE TO DO WHAT YOU HAVE BEEN DOING. YOU WILL CONTINUE WHAT YOU HAVE BEEN GETTING  HTTP://DISCOVERMONEYMERGE.COM/POLACCO

I'm ready to find out more... I’m excited to find out more about the Money Merge Account™ system. Please contact me as soon as possible to obtain my analysis and to see if   I qualify to pay off my mortgage in as little as 1/3 to 1/2 the time! First Name: Last Name: Email: Day Phone: Evening Phone: Your Message: Independent Agent #900315 RAY POLACCO 231-580-3073 Fax #: 231-580-3073 900315@moneymergeoffice.com   UFirst Agent?   |    Privacy   |    Terms and Conditions   |   ©2008 Money Merge Office , All Rights Reserved United First Financial, its agents and subsidiaries provide Internet web based software and support services. United First Financial does not provide accounting, tax, legal, real-estate, mortgage or investment advice. Interested parties should seek and consult with persons or entities licensed and qualified in those areas for advice relating to those matters. United First Financial is not liable or responsible for claims or representations made by any party which are not included in the Money Merge Account Limited Guarantee.

WHY  NEW BUSINESS FAIL In my experiences in starting companies and coaching people to build companies, the 3 top reasons why most new businesses fail are; 1. Start biz for wrong reason--want to work from home, want lots of leisure time, think it's the next big thing vs. it's your absolute passion. 2. Not enough capital--dont have enough reserves to weather slow times until you have a consistent revenue flow. Some businesses need 1+ years to get to that point. 3. Lack of planning--I, for one, somewhat like the "shoot from the hip" approach. Unfortunately, it doesnt always work. Having contingency plans usually does. FACTORS YOU NEED TO ANALYZING.... It doesn't matter what business or investment you are looking at... it all comes down to analyzing a few key factors. The higher each of these factors rate with you, plus the combination of them all, then the better your potential for return.  Rate the business or investment you are investigating, against the 14 factors you see here. Industry - Is the business' industry expanding or contracting? Products - Do they provide value for money to the end user? Uniqueness - Does the company have any exclusivity, patents etc? Demand - How big is the market for the products & services? Longevity - How long could the products last in the market? Competition - Whom else are you marketing against? Profitability - Are there good profit margins? Compensation - How much can you earn? Is the Rewards plan fair? Leverage - Do you have to do all the work or can you earn overrides? Company - How long have they been in business? Management - Who's running the company? Legality - Does the company trade legally in all aspects? Public or Private - Is the company listed on the Stock Market? Investment - How soon can you return your initial investment? Training - Will you be trained? How fast can you come "up to speed"? THE COMPANY..THE PRODUCT..THE COMP PLAN HTTP://WWW.PROFIT-ON-THE-NET.COM RAY POLACCO were business professional meet http://www.directmatches.com/raypolacco RAY POLACCO 231-580-3073