Money Merge Account Goals =

Put Your Money to Work For You

1. Cancel Mortgage and Debt Interest

3. Leverage Funds to Your Advantage

5. Provide a Customized Financial Plan

Mortgage = Closed-End Loan

$200,000 Principal loan amount

6% Interest
$ 1,199 Monthly payment
x 360 Months (30 year loan)
$431,677 Total repayment

-$200,000 Principal loan amount

$231,677 Total interest paid
 $200,000 Principal Balance
6% Interest Rate
$1,199.10 Monthly Payment

Principal Interest Balance Equity Paid

Month 1 $199.10 $1,000.00

Month 2 $200.10 $999.00

Year 1 $210.33 $988.77 $197,543 $2,457 $14,389

Year 5 $267.22 $931.88 $186,108 $13,891 $71,946

Year 10 $360.44 $838.66 $167,371 $32,628 $143,891

Year 21 $696.23 $502.89 $99,877 $100,123 $302,173

Year 30 $431,677
Conventional Banking Method

$1,199 First monthly payment

$5,000 Additional principal payment
$6,199 Total first payment
Prepayment Savings Example

$195,000 New principal loan balance

6% Interest rate
$ 1,199 Monthly payment
337 Months
$231,677 Original interest paid
$203,373 New interest paid
$ 28,304
-$ 5,000 Additional principal payment
$ 23,304 Total Savings
Open Ended Loan = Line of Credit
Home, Personal, Business, Credit Card

 Vehicle for leveraging funds.

 Primary checking account =

7000
Income in and expenses out.
6000
 Interest calculated on the 5000
4000
Daily Average Balance
3000
 Function of the software to
2000
minimize interest fee on 1000

HELOC while maximizing 0

1 2 3 4 5 6 7 8 9 10 11 12
interest savings on the
mortgage.
John and Rebecca Jones

$5,000 Monthly income

-$4,000 Living expense (mortgage, car payment)
$1,000 Discretionary income
Month 1 $3,500 MMA investment
$4,000 Expenses
$7,500
$5,000 Income
$20.83 $2,500 Average Monthly balance

Month 2 $4,000 Expenses

$6,500
$5,000 Income
$12.50 $1,500
Month 3 $1,500
$4,000 Expenses
$5,500
$5,000 Income
$ 500 Reduced mortgage by
3 month total
$3,675.77 Funds transfer 18 months
$34.80
$68.13 $4,175.77 Average monthly balance

Remaining

Interest Cancellation Principal Interest Balance Payments

Month 1 199.10 $220.48

1,000.00 199,800.90 359

Month 2 200.10 999.00 199,600.80 358

$17,249 $201.10
Month 3 201.10 998.00 195,723.93 339

Month 4
`
220.48 978.62$ 19.38
195,503.45 338

Principal Jump Month 5

Month 6 $2,175.77
$4,000 Expenses
$6,175.77
$5,000 Income 6 month total
Reduced mortgage by
$1,175.77 Reduced mortgage by
6 month total $2,920.23 Funds transfer16 months
$34.13
$146.85 $4,096 31 balance
Average monthly months

6 month total Remaining

Interest Cancellation Principal Interest Balance Payments

Interest Cancellation Month 4 220.48 $238.41

978.62 195,503.45 338

$12,274 Month 5 221.58 977.52

$222.69
195,281.87 337

$29,523 Month 6 222.69 976.41 192,138.94 323

Month 7
`
238.41 $ 15.72
960.69 191,900.53 322

Principal Jump Month 8

Month 12 $2,003.68
$4,000 Expenses
$6,003.68
$5,000 Income 12 month total

$1,003.68 Reduced mortgage by

Reduced mortgage by
$2,917.67 Funds transfer
12 month total 14 months
$32.68
$297.89 $3,921.35 Average monthly53 balance
months

12 month total Remaining

Interest Cancellation Principal Interest Balance Payments

Interest Cancellation Month 10 256.59 $275.04

942.51 188,245.86 308

Month 11 257.87 941.23 187,987.99 307

$ 10,184 $199.10
$50,862 Month 12 259.16 939.94 184.811.16 295

Month 13
`
275.04 924.06$ 75.94
184,536.12 294

Principal Jump Month 14

-
 Comparison
Money Merge Account
Program Conventional Program
Starting balance $136,058 $136,058
Balance in 1 year: Balance in 4.7 years:
$126,032 $126,193
Repayment time 11.917 years 30 years
Total interest paid $45,159 $134,726
Total interest savings: $89,566

Loan amount: $136,058

 The Next Step is to Get your Free
Money Merge Account Software Analysis