Dave Ramsey Fans

Dedicated to families and providing solutions to debt and wealth creation, The Jubilee Project traveled to Atlanta, Georgia, where United First Financial unveiled the evolution of the Money Merge Account™ program and the solution to American Debt.

One of the most controversial debt reduction programs on the market today, the Money Merge Account™ program has proven its value and consistent results for homeowners, despite sour views and speculation from traditional mortgage/financial professionals still waiting for a hopeless revival of the housing market. Thousands of families continue to investigate and purchase the Money Merge Account™ program, despite the bantering of Nay-Sayers-dramatically improving their financial situations and in many cases paying off all their debt in record time, including their mortgage.

“It’s almost humorous when traditionalists shout ‘Scam! Scam!’” comments Jaime Buckley, Co-Founder of The Jubilee Project.

“They want to convince others that it doesn’t work-pitting their views, which are speculation at best, against those of us who own the program and benefit from it! It’s nuts, really. I just came from an actual ‘mortgage burning’ party, for clients who are 100% debt free due to using this program. Yet their neighbors want to convince them it doesn’t work. Unbelievable.”

Jaime shakes his head in frustration. An emotion many UFirst agents feel when trying to help families who simply won’t listen.

“All you can really do is try to wake people up.” he remarks. ” I’ve heard Glenn Beck and Martin Victor Hansen talk about UFirst and the Money Merge Account™, and they not only praise the program, they praise the efforts of the entrepreneur force striving to promote it. This country is asleep, and those who don’t financially wake up and turn their lives around are going to find themselves in a literal hell they can’t escape.

The Money Merge Account™ changes everything and brings people hope where there is none.”

The first International Convention for United First Financial unveiled the newest version of the Money Merge Account™, v4.0.

With all the power of v3.0, this new system boasts the ability to work with a savings and checking account, for those who could not qualify for a Home Equity Line of Credit. Using ‘factorial math’, the new version squelches the challenge of ‘I can do this on my own’.

“Unless you’re going to stand there and tell me you can make over 3 million calculations each time you decide to spend a dollar, it’s just not possible to do this on your own.” commented Lee Bradshaw of The Jubilee Project.

“That’s just with a mortgage and 10 other debts/creditors. What makes matters worse, is if you’re wrong, it could cost you thousands-up to hundreds of thousands of dollars in interest! That’s huge. The new version takes every variable into account, making what we believe to be the most powerful and dynamic financial tool America has ever seen.”

One of the original challenges UFirst faced, was a lack of available technology. The vision was simply too large and too complex, though the intent was worth it’s weight in gold. Version 4.0 was allowed to ‘evolve’ to it’s rightful level of sophistication, which John Washenko, Co-Founder of United First Financial, called “the original starting point”. During a private viewing in June 2008, Mr. Washenko described the original vision to The Jubilee Project and nearly 80 other key UFirst leaders, which transformed their already passionate views.

“We now have a financial services company that helps people stream line their finances in eliminating ALL debt and creating wealth at the SAME time.” commented Brad Lavery, Jubilee Co-Founder.

“This is also my 10 second introduction I use for people who ask me what I do. I then end with: ‘Would you like to see if you qualify for this service?’”

“I am so excited about the direction that this company is headed. I can now see and show the lost opportunity cost for those who would rather invest ALL their money instead of paying off their debt. We are not getting debt free first then investing but we are able to accomplish this SIMULTANEOUSLY!” he smiles, then bounces on his heels with energy and excitement.

“This program is NOT just about paying off your house in record time. This is an educational process showing you exactly how your money works, when to pay down debt and which ones to pay first-when to invest, and when to make purchases. Not only when, but exactly how much to move and invest.”

The word leaked out through UFirst leaders even during the International Convention, as if reporting a blow by blow fight, across the internet to more than 80,000 independent agents who sell the Money Merge Account™ throughout America and Canada. A passionate group which Glenn Beck called “Entrepreneurs” and “the right people, with the right product at the right time” in his live address to 5000+ UFirst agents.

• v3.0 can still be used and those on it can upgrade if they so choose, to v4.0.
• v4.0 uses ‘Factorial math’. Someone with a mortgage and only 10 debts will have 3.6 million ways to pay off that debt. No, you can no longer do this on your own.
• Organization of funds transfer: will tell you what to pay off, when and in what order to achieve what you want!
• Almost anyone will qualify now.
  o No equity—no problem.
  o No appraisal–no problem.
  o No credit check–no problem.
  o No line of credit–no problem.
• v4.0 works with a HELOC, ALOC, Credit Card, Savings & Checking account. Yes, we said SAVINGS AND CHECKING!
• Introducing a ‘renters’ version (or a “Express” version), for only $1,795.00.
• Those who start on the Express version, can upgrade at any time by simply paying the difference.
• UFirst will also finance the Money Merge Account™ now–both the full version and the EXPRESS version.
• Full version is $2000 down + $75/mo. for 24 months.
• EXPRESS is $995.00 down + 75/mo. for 12 months.
• UFirst now has an optimizer package: a way to control all the variables, as well as special unique functions with your Money Merge Account™. (The optimizer is an additional $24.95/mo)
• Semi Auto Pay: The Money Merge Account™ tells you (text message to your phone) when bills are due and asks if you want the program to pay them through an automated system. 1 for yes, 2 for no.
• Auto Pay: The Money Merge Account™ can now move money for you as you direct it and then tell you when it’s been done.
• Money Pathing: Dictate where the money will be taken from, set the paths and walk away.
• Folders: Create your own folders for the program, such as savings, vacation, groceries, college funds, etc., and then assign what amounts get sent there.
• Text Interaction: Ask the Money Merge Account™ information and have it respond to you instantly, such as how much money you have in a particular folder, or perhaps ask a true cost question and get it in front of your husband before he buys the BBQ Grill, or before the wife buys that 25th set of shoes.
• BEST TIME TO BUY feature. Know when the best time is to buy ANYTHING, to save the most interest. The Money Merge Account™ will tell you your personal optimal point when to make the purchase, balancing out all your financial variables with what you’re already paying off.
• Start and stop dates. Income, payments, you name it, all for perfect accuracy—just fill in and forget.
• Multiple reports for every aspect of your needs/taxes.
• Faster load time: it’s now an application, not a web based program.
• Supports ANY platform:
  • Works with Windows.
  • Works with Mac.
  • Works with iPhone.
• Can now show the POSITIVE affect of using your savings or cash flow, –savings, 401K, money market, etc.–with the ability to create an analysis a full year out, or two if you need to! Clients want to know what a decision would do? SHOW THEM.
• “DOT” releases: Instead of new versions (5.0, 6.0) which come out after substantial periods of time, UFirst will now create “dot” releases instead (4.1, 4.2, etc.) a handful of which will be initiated and live before Christmas this year (2008).
• BEST OF ALL: Pay off ALL debts—and CREATE SAVINGS—AT THE SAME TIME!!!

“The financial profession will never be the same.” says Ondi Allred of The Jubilee Project.

“The value of this program and what it can do for everyone who uses it with force professionals to offer the Money Merge Account™ program, or be left behind without a clue or client.”

“Make no mistake,” he says with conviction, “this program is here to stay and those who don’t support it will eventually be ignored altogether.”

For more information about the Money Merge Account™, visit www.TheJubileeProject.com , or call The Jubilee Project directly: 1-801-701-6650 or owners@thejubileeproject.com.

Please read this whole article in one sitting. I don’t want a flood of emails from agents that think I have gone over to the dark side.

I have removed the links to Nay-Sayers for a reason. I am not afraid that you may be swayed by them, but we need you all to realize that these so called “experts” will not be swayed by you. By visiting these sites you help them out by upping their search engine rankings, and they plan on this by making your blood boil with banter and illogical emotional barf. We all need to focus on our mission and not let ourselves be swayed by theirs.

This is a very impressive list of so called “experts”.
How dare I question their advice!??

Easy, here I go..

1) Jack M. Guttentag, Professor of Finance Emeritus and former Jacob Safra Professor of International Banking at the Wharton School of the University of Pennsylvania (one of the Worlds Best Graduate Finance programs). Earlier he was Chief of the Domestic Research Division of the Federal Reserve Bank of New York, on the senior staff of the National Bureau of Economic Research. Jack is also a Yahoo Finance Contributing Author.

Professor Guttentag states, “Based on everything I know, I have considerable confidence in my main conclusion, which is that the bulk of the reduction in interest payments comes from the borrower’s savings rather than from the program mechanism. … Neither the MMA nor any of its siblings provide the means for separating the contribution of the program to interest saving from the contribution made by the income the borrower allocates to principal reduction. The reason they don’t is that they want to pretend that it is the program that generates the benefit.”

2) Don Taylor, Ph.D., CFA, CFP, holds a Doctorate Degree in Finance and is an associate professor of finance at The American College, and writes the “Ask Dr. Don” column for Bankrate. He says the following, about even automatic type mortgage accelerators:

They are “Not for the financially indisciplined. If any homeowner, real estate professional, lawyer, or accountant is interested in more detailed information and truly analyzing these equity accelerator programs… below are some links and information that should shed a lot of light on this particular topic.

… Of course, all borrowers already have that money available with a conventional mortgage, too — and without the cost of refinancing. A borrower would simply need the financial discipline to use all that money as an additional principal payment. …Interest savings are still available the old-fashioned way by making additional principal payments on a conventional fixed-rate mortgage.”

(maybe he should learn to spell undisciplined?)

3) Holden Lewis of Bankrate.com, agreeing with Dr. Don, also warns “Don’t pay ANY Money to a third party to help you set up a [equity accelerator] mortgage payment,” in Paying for biweekly mortgage program makes no sense.

4) Greg McBride, senior financial analyst for Bankrate.com, in the Miami Herald “McBride added that homeowners could better put their money to use in a Roth IRA or education funds, instead of funneling money into a mortgage accelerator.” Reff (Miami Herald 5/21/2007 Quick-pay mortgage system isn’t for all):

5) Ben Stein (economist, writer, and funny guy) graduated from Columbia University with honors in economics. He graduated from Yale Law School as valedictorian of his class. He has worked as a poverty lawyer in New Haven and Washington, D.C., a trial lawyer at the Federal Trade Commission in Washington, D.C., a university and law professor at American University in Washington, D.C., at the University of California, and at Pepperdine University in Malibu, CA. At Pepperdine, Mr Stein has taught about securities law and ethical issues since 1986. Ben has written and published sixteen books, and nine nonfiction books about finance and ethical and social issue in finance…. plus most folks have probably seen him on TV.

In “When Paying Off Doesn’t Pay”, Mr. Stein writes “First, no one ever spent a sleepless night because she had millions in the bank and stocks but didn’t have her home paid off. On the other hand, if you pay off your mortgage and deprive yourself of liquidity, you could be in for some miserable times.

As I see it, if money is even the slightest bit tight, hold onto it and pay off the mortgage month by month. There’s nothing magically good about having a paid-off mortgage, but there’s something seriously bad about Not having ready liquid assets even if your home is paid for. …”

6) Carolyn Bond, CEO at the Consumer Action Law Centre in Melbourne, Australia. Anon-profit, funded by the Legal Aid Commission and the Government Consumers Affairs Office (Consumer Affairs Victoria):

In “Mortgage Accelerator Under Fire; Australian Securities and Investments Commission taking action against mortgage brokers” Carolyn Bond says,

“Consumer organizations such as ours, and our national financial services regulator - Australian Securities and Investments Commission (ASIC) - concluded years ago that there were no savings to be made, and that promoters were engaged in unlawful conduct. Examples and charts showing massive savings have all been shown to include significant increases in payments being made to the mortgage.”

As a follow-up Carolyn also points out: “I’ve seen it argued that these plans have a psychological impact; that borrowers are less likely to spend money if they know it’s coming out of their mortgage. We’ve seen that it can work in the opposite way. Some borrowers can’t stick to the plan, or don’t see the promised benefits, they then feel as if they have failed, or they realize they’ve got into something that is a con – and they feel they have much less financial control than they had originally.”

7) And … (short and sweet)… Steve Sushner, a Real Estate, Estate Planning, and Housing Attorney writes, “I reviewed this product for the first time last week. Frankly I am disgusted by it. It does NOT save any money, it merely moves debt from one location to another and in fact will cost most clients more money than it will save them (even if there was no $3500 fee and even if we forget the tax implications). The debt on the ALOC is almost entirely ignored. Additionally the program fails drastically when you realize that most people are paid twice a month, not once and in arrears. Substantial savings is realized on this program by these two false presumptions.

I so dislike this program (and find it grossly unethical- I’m sure the class action lawsuit is around the corner)….”

8 ) There are also many examples of other independent 3rd parties all over the internet, who have similar opinions and have been posting, blogging, etc… to help inform the public about the true facts behind these equity accelerators, and exposing the deceptive claims of magical savings without spending income or changing lifestyle.

9) Robert Grauer, Ph.D., University of Miami: 2007-05-27 The Miami Herald:

“I was shocked to read the Money Merge Account article [in the Miami Herald]. I am not opposed to prepaying a mortgage, I’m only opposed to paying $3,500 for the privilege of doing so.
The identical savings used in the example could be achieved by paying an extra $582 each month [from someone’s discretionary income].

Is that simple fact worth $3,500?

Why would anyone purchase a program when there are multiple online mortgage calculators for free that tell you the same thing?”

10) Manuella Adrian: The Miami Herald:

“I must take exception with the Money Merge Account. The strategy and services it offers — doing certain financial calculations for the borrower for a sign-up fee of $3,500 — provides scant savings and may bring more financial difficulties in the future if borrowers are unsophisticated or undisciplined.

The borrower is much better off using the $3,500 for the MMA sign-up fee to make a one-time extra payment to the mortgage principal.

Borrowers can calculate their own potential cost savings from extra payments to principal by using free Internet based mortgage calculators.”

11) IF you still don’t understand why Nationally syndicated Consumer Advocate Clark Howard thinks merge accounts “stink like rotting fish” then check out the discussions on his website and listen to his archived broadcasts at clarkhoward.com

12) Federal Trade Commission Information about debt consolidation and credit counseling.

Be wary of credit counseling organizations that:

* charge high up-front or monthly fees for enrolling in credit counseling or a DMP.
* pressure you to make “voluntary contributions,” another name for fees.
* won’t send you free information about the services they provide without requiring you to provide personal financial information, such as credit card account numbers, and balances.
* try to enroll you in a DMP without spending time reviewing your financial situation.
* offer to enroll you in a DMP without teaching you budgeting and money management skills.
* demand that you make payments into a DMP before your creditors have accepted you into the program.

NOW… for the actual truth:

In the late 1960’s an unknown account in the San Francisco California area introduced the first IRA.

All the experts lined up to call him a fraud and his idea a scam. Almost forty years later you can’t find one.
It shouldn’t be too shocking that the so called experts are yelling, kicking and screaming yet again. I was recently emailed this link to a website that had the above opinions of twelve “high profile experts” about the Money Merge Account.

It is very interesting to me that in reading through each and every one of the testimonials how they all are making assumptions about the UFirst product. They all are using their knowledge to predict the future for their clients based on the past ten to fifteen years. What they refuse to see is that the Real Estate wave is at its crest. Homeowners have listened to these “experts” for far to long. These “experts” still expect to be paid for their out dated information.

Beware of an ‘expert’ who professes to know all there is to know about his profession. I would rather one that was willing to study and learn and to not make assumptions. Their client’s are the ones that will be hurt in the end.

Watch the evening news. You will hear story after story of foreclosures and bankruptcies. Listen to the Home Owners that are interviewed. Who were they listening to that got them into the mess that they are in now?

One of your experts, from Florida, fails to tell the whole story. Florida is in a state of financial emergency. Thousands of home owners who believed in the advice by these so call experts got into option arm loans with little or no money down. If they built up any equity they quickly refinanced to pull all of it out to invest using their mortgage as their “greatest asset”.

These are the same people being interviewed on the evening news.

Know the bubble has burst, the wave has crested, and now homeowners with interest only payments, or Neg-Am payments are in for the shock of their lives. When the low introductory interest rate jumps it will swallow all or most of their discretionary income. Now, even if their credit hasn’t been knocked down by late payments they still can’t refinance because the reappraisals are coming in 20% to 30% lower that just one year ago.

In Florida, home of the lead “expert” that put this list together, people are abandoning their homes at an alarming rate. They got into these homes with no money down and have been paying nothing to principle. Now a home that they have no interest in, that originally appraised for $500,000. now appraises for $375,000. Does that sound like your greatest asset?

Here is Jubilee’s response to each of the 12 experts:

#1 The Money Merge Account with a HELOC helps pay down your mortgage, of course with your money. We don’t profess that this is fairy dust.

You still have access to your money through your HELOC. Without the HELOC it would be dangerous to send in a lump sum to your first mortgage, because once it is sent, you cannot get it back in case of an emergency.

No refinancing is required.

#2 As for the financially undisciplined–I hope you all have been through the client software training. If not do so ASAP. And as for being better for the client, being better served by just sending in the payment to the first mortgage–the experts don’t agree with each other. Without the HELOC the money cannot be accessed once sent in.

#3 I agree with–but we are not a Bi-weekly plan, so this expert is not referring to the Money Merge Account, are they This should point out clearly that due diligence has not been done concerning us, or that simple point would have been understood. It seems to me–assumptions were made.

#4 I wonder if he felt the same way forty years ago. Either way we can show the analysis both ways and the client can make that decision. I do believe that the client is smart enough to do so.

#5 HELOC again. Assumptions are being made yet again.

#6 As of yet no State Attorney General offices have contacted UFirst for running any ‘scam’. I am not sure what charts and graphs were shown in Australia. We are an improvement on the concepts used in Australia and are much more secure using a 2nd position HELOC.

#7 This guy is all over the place I suggest he attend a presentation.

#8 Last time I checked Mother Teresa nor her predecessor have a website to save the common home owner from the evil Money Merge Program. I do see plenty of others that have their own agenda’s and services to peddle, however.

#9 I am not sure which example he is referring to, but how is he going to access his equity without a HELOC?

#10 “Unsophisticated.” Does this word bother any of you?

I was chastised in person by a “Expert” Financial Planner who let his opinion of that word slip, and I quote: “ You know that the average home owner is too STUPID to have access to the equity in there own home.”

…and any tool offered for free is worth every cent.8)

#11 I have to admit that I like Clark Howard and I am not sure what he said so I will not comment on what he did or didn’t say, I hope that he didn’t assume anything without weighing all of the facts. However, we went to the Clark site as our opponent suggested and could not find information referring to us anywhere.

#12 I fully agree. We are not a DMP, so where’s the problem?

In a lot of the rebuttals I left out the most important Cog in the equation. The Money Merge Account program software. This is the tracking tool. It is the tool that all the others leave out. We all have tools that help us in all aspects of our lives. Can you do what the Money Merge Account does on your own? Yes, to a degree, but the software developed by United First Financial is working for you 24 hours a day 365 days a year calculating the fastest way to Zero. Our average client is finding over $150,000.00 in savings, and paying off their mortgages 20 years early.

Is that worth $3500? I know it is, and more importantly so do my clients!

Let me leave you with one other thought. These so called professionals know this industry is built upon your developed habits and conditioning. It is focused on ‘habit’…and aspect none of the so called ‘experts’ address at any time. The habits which are proven by the national trends, and is blatantly apparent by the lending industry. The fact is, our mortgages are created around that very set of habits.

This program helps people break those habits, by educating them and giving them first hand training in the affect their financial decisions have on their mortgages. If people would simply do this on their own, why haven’t they? The opportunity has always been there! Even these experts point that out. It’s because people won’t make those extra payments–and that’s where these experts make their money–from you.

They know full well their income comes from you staying in that cycle created by the industry. That is, unless they got with the REAL program, which is what we offer! FREEDOM!!

What scares and angers the “experts” who refuse to try the program, regardless of the guarantee, is that IF we are right (God forbid), they would have to admit they were wrong.

Ouch. Large birds don’t want to loose their perch.

I will not drag anyone into the lifeboat kicking and screaming. Nor will I quietly be burned at the stake, by the Nay Sayers, for knowing how to swim.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

P.S. No where in the Bible does it tell us to mortgage our home to the gills and speculate on the Real Estate or stock market. If this last line offends any of you. Maybe you deserve your mortgage.

…but I’m looking at you guys and having second thoughts about going solo. How does The Jubilee Project function?

Questions flood our email boxes daily. How we get through them all is not easy-and if our wives had your email address, you may get hate mail times—LOL. Yes—we work too much.

We don’t mind the work. The boys of Jubilee thrive in the midst of it, and most of you have talked to us directly at one time or another. You know we have passion about this business. You know we have conviction and know for a fact the positive effect the Money Merge Account has on the American Family.

When we respond, either in emails or on the phone, we do things according to priority. Those in The Jubilee Project National Team get our ear before a new individual or a number we don’t recognize. Those we directly trained get priority over those who were not. Those who work hard always get priority over those who do nothing.

My own personal belief and support system is simple:

1) Do the work and I’ll watch your back.
2) Don’t tell me what you’re going to do—show me.
3) Only ask me questions if you can’t find the answer on your own.
4) Leave personal problems at home–come to work with a smile and a positive attitude.
5) The monkey goes where the monkey belongs.

Out of all the personal work beliefs, the last is the most important. It has changed my life. It has helped Jubilee build a phenomenal team. Not a good team. Not a great team. A PHENOMINAL team—trained, lean, hungry and effective.

The Jubilee Project is NOT successful because of myself, or Brad, Lee or Ondi. It’s successful because we work together and focus on our strengths while building new ones over time.

You are also a key element in our progress!

You allowed us to serve you. You allowed us to teach you. You allowed us to show you a different point of view, and trusted us enough to blaze the trail so you didn’t have to get the bumps, bruises and scars. You showed us character which motivated us to spend the time, money and energy to bring you the best we could offer at every turn. You PROVE your worth to us.

We strive to do the same for you every day.

This Team is successful because we expect nothing more from you than what we expect from ourselves. None of us could have gotten to this point, nor can we reach the top of this company and stay there…alone. Through Alliance teamwork, many of you have seen substantial financial success through helping American Families reach their financial goals and realize freedom from financial bondage!

Oh, my friends—there is so much more to come. We just got started! The future is brighter than some of you can see—but we know what groundwork has already been laid. Groundwork we laid for the WHOLE TEAM, not just four men. All we ask is that you take a step up, out of your comfort zone, out of the box you’re currently living in and become something extraordinary.

Act like a team. Work like a team. BE a team, and you will thrive in this business.

The KEY is to focus on others. To make their needs your own. To find a family who could benefit from ZERO DEBT. See…it’s almost everyone, isn’t it!?

It is not the strongest who will rise to the top-but rather those with the least amount of weaknesses. Through teamwork, we shed our individual weaknesses to become a greater whole!

God Bless.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

Time and again, The Jubilee Project stresses the importance of Teamwork, and combining our efforts, so none of us work alone. It’s not just the support, the encouragements and the ability to refine your efforts, while taking advantage of one another strengths. It’s also about strategic planning, which not only increases your success—it decreases your costs!

Take a look at VIP’s or a Super Regional, furnished by United First Financial. The most dynamic events provided, with the greatest success rate in the company, allows new agents to convert, sell, recruit and train a literal army in 3 days…AND UFF DOES IT FOR YOU!

This is a great reason why so many professionals across the country and now in Canada join the company at such a rapid rate. The tools and training are so good, so powerful and so successful—only those who simply do not wish to make money would turn away from this opportunity to serve the American people.

So why don’t more new/seasoned agents provide VIP’s in their area? The first night (Friday) is always open to the public and UFirst agents in the area, while professional salespeople give an energetic, exciting presentation to educate people on the concept of the Money Merge Account™ program (if you have heard Mac Saunders, Steve Smith, Dave Montgomery or Rosie Martinez-Viana give the presentation, you know exactly what we mean). The second day (Saturday) is dedicated to training the new local agents in how to jumpstart their business, so they can shoot out of the gate when Monday rolls around.

Sounds like the perfect system, and yet it is one of the least used tools across the country by new agents.

Why?

The factors are: cost, inability to fill a room and lack of organization.

What would happen if more than one agent were to work together on the same VIP event? It doesn’t matter what teams they are on! The minimum requirement is 100 people in a room. Corporate prefers 300+, but they will come to any location for a minimum of 100 people. That may be a stretch for any single individual…but what about 10 agents? Could each person invite 10 individuals? Sure they could. In fact, 5 people could even invite 10 couples each, or even fewer mortgage professionals could fill a room together using their current client base!

Now we have the cost. If the room were $400, it’s far more efficient to split it $40 each, than to shoulder the whole $400. Now it could be more, it could be less. VIP’s charge $25 a head to offset the major weight of financial burden! In that very group, you could have connections, ideas and resources unknown to one another unless you get together and coordinate. The point is, teamwork is the key. It doesn’t matter if you are in the same leg. It doesn’t matter if you are in the same team. What matters is working together and benefiting one another on a larger scale. That’s where the largest results come from, and where you make the largest checks!

Organization, training, connections, funding, support…there are many talents needed in a VIP setting, and everyone can benefit financially, if you work together.

Get together with your Team. Work with the Jubilee Alliance. Find out who is in your area. Get a VIP or a Regional/Super Regional VIP scheduled and take your UFirst business to a whole new level of success and financial prosperity.

The American Family deserves to hear your message and learn about their options, but you have to get to them first.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

We’ve heard people quote: ‘It’s better to ask forgiveness than to ask permission.’ Yet, not until you find yourself in a very sticky situation do you feel the weight of that decision, as well as the waves of vengeance the wrong move can generate!

This opportunity will help thousands upon thousands of families before long. Educating people is not always easy, as The Jubilee Project has learned when explaining the Money Merge Account to individuals with closed minds. However, we WILL save a great many families from debt and help them build security. It’s not a hope; I personally believe it’s a fact–so long as we work together, work smart and stay compliant.

Don’t pee in the pool and everyone can have a nice swim.

I learned a hard lesson when I created something which got out of hand–and it was not completely UFirst compliant. It was the one time I didn’t check with UFirst first, listened to someone else who had an overdeveloped sense of urgency and the results could have been terrible.

No, what I was teaching wasn’t wrong. However, we must be very careful in how we educate the public, how we present ourselves and how we are of service. A lack of education is never as bad as MIS-education, and that’s why UFirst goes to great pains in making sure our training is as complete as possible, to insure we provide potential clients with the correct information.

It could mean the enduring prosperity and longevity of United First Financial-or the end of the greatest opportunity this country has seen in 20 years.

Which do you want to see?

Don’t find yourself making the mistake of successful people in other companies who thought their fame and fortune gave them an automatic blanket of immunity to such rules and regulations. This isn’t just about you or me—it’s about everyone as a whole. What you personally do affects the food on my child’s plate—and that’s a place you simply don’t want to go. If UFirst gets tougher and more strict, view it as a good thing—because the focus in on us and providing longevity to this opportunity. Our job is simply to follow the rules.

Make sure everything you do is 100% compliant, or you may find the chance of a lifetime becoming ‘the one that got away’.

3 Do you see longevity with UFirst?

We’ve heard people quote: ‘It’s better to ask forgiveness than to ask permission.’ Yet, not until you find yourself in a very sticky situation do you feel the weight of that decision, as well as the waves of vengeance the wrong move can generate!

This opportunity will help thousands upon thousands of families before long. Educating people is not always easy, as The Jubilee Project has learned when explaining the Money Merge Account to individuals with closed minds. However, we WILL save a great many families from debt and help them build security. It’s not a hope; I personally believe it’s a fact–so long as we work together, work smart and stay compliant.

Don’t pee in the pool and everyone can have a nice swim.

I learned a hard lesson when I created something which got out of hand–and it was not completely UFirst compliant. It was the one time I didn’t check with UFirst first, listened to someone else who had an overdeveloped sense of urgency and the results could have been terrible.

No, what I was teaching wasn’t wrong. However, we must be very careful in how we educate the public, how we present ourselves and how we are of service. A lack of education is never as bad as MIS-education, and that’s why UFirst goes to great pains in making sure our training is as complete as possible, to insure we provide potential clients with the correct information.

It could mean the enduring prosperity and longevity of United First Financial-or the end of the greatest opportunity this country has seen in 20 years.

Which do you want to see?

Don’t find yourself making the mistake of successful people in other companies who thought their fame and fortune gave them an automatic blanket of immunity to such rules and regulations. This isn’t just about you or me—it’s about everyone as a whole. What you personally do affects the food on my child’s plate—and that’s a place you simply don’t want to go. If UFirst gets tougher and more strict, view it as a good thing—because the focus in on us and providing longevity to this opportunity. Our job is simply to follow the rules.

Make sure everything you do is 100% compliant, or you may find the chance of a lifetime becoming ‘the one that got away’.
The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

The Jubilee Project started out with nothing less than a desire to change the very financial future of American Families. A loft goal to be sure, but a probable one with a tool not far from becoming a household name: The Money Merge Account™.

This team, which has grown into an International Alliance was founded on common goals, common beliefs and a desire to take ‘teamwork’ to a new level. The key was simple: take responsibility for our own actions. It became a National Organization in less than 6 months, with agents in virtually every state. From cab drivers to rocket scientists, mathematicians to lawyers, we supported each and every background—which were wide and varied. All we ever asked for was a fire in the belly and passion in the heart.

The rest was just practice.

What transpired was unusual and unexpected. Professionals from across the country flocked to The Jubilee Project banner: mortgage brokers, owners of magazines, bankers, loan officers, real estate companies, insurance professionals and investment companies. The common thread was a desire to have associations with an organization/team which could support their desire to grow, desire to produce and a desire for full training and support.

Since then, The Jubilee Alliance has dedicated itself to the growth, support and training of it’s agents from United First Financial. Jubilee has become the #1 positive voice of United First Financial and the Money Merge Account™—anywhere. That statement comes from Skyler Whitman himself.

What does that mean to professionals searching for the right associations when they desire to offer this phenomenal tool to their current clients?

CONFIDENCE: They have a team who understands the intricate workings of this program, and who continue to educate themselves on the changes made inside United First Financial as well as in the field. The Alliance is the #1 priority to it’s Founders, who answer their own phones and read their own emails. This is not a hobby, it’s a way of life.

SUPPORT: The Alliance constantly upgrades their training, continually adding to their database and toolbox, for all agents to use. This team is plugged in to UFirst in many ways and strive to keep their finger on the pulse of change and development within this opportunity. With an established “system” in place, which includes a generic, Unbranded step-by-step process to adapt to their own business—professionals are never lacking the tools they need to succeed.

TRAINING: The Jubilee Project opened the doors to their training, created connections with other groups, specializing in training aspects and specific tools. Allowing teams to focus on their strengths has created a stronger synergy throughout the entire company when it comes to overall training. Jubilee is also currently responsible for producing Corporate podcasts, so that audio training tools are made available to agents everywhere.

The Jubilee Project has turned it’s focus to growth, now that it can easily support the volume of agents—something which was previously feared. Spanning the country, The Jubilee Project, and now the Jubilee Alliance welcomes professionals from all backgrounds and industries, who want to thrive in the current economy…not just survive.

Survival is not enough.

Give us a call today.
The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

I have connections, but not the skill level yet—how can I move forward?

When The Jubilee Project runs local trainings on The Money Merge Account™, we get tough on people. However, we simply put the monkey where the monkey belongs.

When team members try to sell us on how great they are doing, they forget we know the truth. We can look up any person and verify progress in sales and team enrollment–and we do. We don’t criticize, we don’t challenge, we don’t say a word, because this is YOUR business. Ok, Jaime says something—but that’s Jaime, and you all know he’s actually a Teddy Bear—be it a big, loud, direct Teddy Bear.

You may have the whole world in the pipeline for all we can tell–until you come to us, whining that the ’system’ doesn’t work–the ‘program’ doesn’t work.

Tsk. Tsk.

We know very well that you’re better looking, smarter and more creative than we are. Not too hard to accomplish–but do you want to be better looking, smarter and more creative, or have a big paycheck?

The single greatest mistake new agents make is trying to sell something they just don’t know about from personal experience. The moment we saw what this would do, how it would improve our lives—we all bought the program. Those of you who have homes and don’t get on this program and have the ability to do so, should be on the program.

No, you do not have to buy the program to sell it. Absolutely not.

However, from a moral and ethical stand, when you’re trying to educate someone on something you don’t own it as well…in our opinion, that’s flat out dishonest.

The point here is: When you’re done reinventing the wheel, why don’t you stop making excuses and use what works? You have to choose at some time in this venture to do what you want to do—or make money. We assume you started your UFirst business to do the latter.

Most of the leaders in the Alliance do this full time, fully staffed and completely committed. Our whole foundation is teamwork and service driven. We have the pattern. We set the pace.

Use us up.
The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

…I struggle with keeping track of so many appointments, and I know it’s a learned skill. Pointers??

“PAPER is the perfect memory.”

People who want to appear clever rely on memory.

People who want to get things done make lists.

Even if you are good at remembering things, write them down. That way you don’t have to remember them, and your mind can be free to pursue more creative avenues.

Make notes of phone conversations. Record little facts about those you talk to, such as locations, family facts, goals, concerns and more while talking with clients over the phone, to spark your memory of the events when you talk next. It will personalize your meetings and you will gain confidence from those you serve.

Categorize your phone contacts on your cell phone, so you see the names of those you work with before you answer. These things may seem small—but when they come in handy, they come in handy. Trust us, you want as many advantages when presenting the Money Merge Account™ as possible. The Jubilee Project has learned that you must be clear, concise and accurate as much as possible.

Don’t “wing it”.

Make lists of things to do, people to call, letters to write. Keep in mind that you are in business for yourself, which requires considerable effort to fulfill those dreams of success.

This is what we do.
This is what we hope you will do.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!

What good is the greatest idea or skill if you can’t duplicate it for those you work with or use it to help others?

This is a very serious business decision. Most people are driven by greed alone, when the focus should be on others and service. This decision will affect each and every paycheck you make from the moment you implement this information.

You can deny it–but understand that this WILL affect you, regardless of your beliefs or belief structure.

The key to your ongoing success is duplication of efforts.

That’s right:
“Duplicate Yourself”

What does that mean?

It means when you create a form, create a method of communicating or being of service to a potential client-or perhaps perfecting your presentation–you must be able to pass that skill or tool onto your team for your continued success. You must instruct them, train them, empower them with the same methods of your own success–and you will feel the immediate and long term financial prosperity because of it.

When Jubilee created a website, we took the best aspects of the site and taught our team how to create their own. When we designed effective marketing materials, we designed editable .pdf files at first and made them available to all our team, as well as others who simply needed help in their own sales struggles. When we designed or found the very best sources for tools we passed them on. When we perfected the Homeowner Workshop, we created videos and produced a version anyone could use, while staying 100% compliant with United First Financial’s regulations. As the rules changed, we improved upon or deleted and then remade what was needed to flow with the circumstances.

The wonderful aspect of this, was we were not alone. Other leaders were working on the very same methods and goals—and before long, there were methods, tools and systems in place for everyone to share and learn from.

We strive to work hard, so you don’t have to–and yet many simply do not use what is available to them. Those who do, have made money. They are able to increase their incomes and in many cases, make a substantial living. What better way to make a living, than to be of service to someone else and help them to save money? Ask our agents if the tools have made a difference in productivity and recruiting–if the weekly training calls and podcasts have helped. Then ask them if they still use the same tools we taught them with.

The cycle never stops, because the job is never over. However, with duplication it can be automated to a large degree. When you find something which works, make sure you pass that on-and duplicate your efforts in a BIG way!

It not only blesses your life, it benefits the lives of the clients you are striving to benefit.

The Jubilee Project
UFirst Executive Branch Managers #827180
owners@thejubileeproject.com
1-801-701-6650 (Main)
1-801-208-9492 (Cells)
Join Jubilee NOW!