Testimonials

  • "The Money Merge Account software has given me great peace in knowing that our house will be 'Paid-in-Full' in 3.4 years. Before, we had 26 years left on our mortgage. At 60+ years of age now, we would be 86+ years old by the time it would have been paid. We are extremely happy & grateful!" Ann M.

  • "We are paying our house off faster than we ever thought possible! Thanks!" Aaron & Kelly S.

  • "Very happy with the path we're on. The live agents are always helpful and quick to answer any questions we have. Thanks UFirst�!!!" Anthony & Josephine V.

  • "Mason was very helpful to us. His ability to training us with his professionalism and knowledge was very helpful to us." Robert & Barbara T.

  • "Thanks. My coach, Marie, was wonderful." Jim & Ginny B.

  • "I wish I would have known about this program years ago. It would have saved me thousands of dollars. But I am on track NOW! Thank you." Rosemary M.

  • "I am ultra conservative by nature. When I first heard about the Money Merge Account program, I was very hesitant. I looked into and researched the program for almost a year. After seeing what it did for a good friend of mine, I jumped on board. UFirst and their agents and support team have been awesome. It is the best financial decision I have made in my adult life. I wish I would have started a year earlier." Rob P.

  • "The program is user friendly and easy to navigate. At this point it seems like more of a checkbook register/to-do list. As I begin to execute functions I am hoping to understand the concepts of 'floats' and such more clearly. I am looking forward to the benefits and leading others to strategic payoff! Thanks!" Ann S.

  • "This is a new and exciting way to really enjoy banking and finances." Christian & Tiphani D.

  • "Michael T. has been extremely helpful in coaching my through my first reconciliation of my accounts. He was patient and professional. He took the time and had the expert knowledge required to figure out an extremely complicated statement. Thank you for guiding me through this." Anita V.

  • "Sam G. is excellent." Mona P.

  • "In these economic times, having control over our finances is a relief. Having an actual, attainable payoff date is amazing and keeps us very motivated! Thanks." Alban M.

  • "I'm anxious to put Money Merge Account program to the test. I'm beginning to understand how the program works and anxious to see the interest reduced, knowing that I will have my mortgage paid off sooner than ever hoped for." Annette M.

  • "I am so glad my husband and I were introduced to the Money Merge Account program. It has given us the opportunity to do some remodeling to our home that we would have not been able to do." Rick & Pauline N.

  • "Each of the webinars I have attended has brought me into greater knowledge of the program and how it functions. I am very grateful for this gift of time to learn and to finally engage my husband into a �real� budget for our family." Jon & Kellie F.

  • "Excellent service." Rafael S.

  • "Just what the world needs (including us Canadians)! The past two generations have been given few skills on managing their income; how to fill out another credit card application doesn't count! Easy credit, extended terms, etc., got us in this mess and the Money Merge Account program is going to get us out of it! Thanks!" Alban M.

  • "I love this program. Our family has needed this for years." Arlo B.

  • "I would like to be able to pay down my other bills like my credit card and student loan." Terri V. (***Note: Since this survey was turned in, we have expanded the capacity of the Money Merge Account program to include all consumer debt and not just a mortgage. In fact, many clients only have consumer debt and can use the program.)

  • "My coach was very informative and prompt in calling on time. I called prior to coaching and received valuable help as well from support services. I feel very encouraged to go forward with this program in that I feel that the support is very accessible and in fast time frame. Thank you." Donald & Lindsey G.

  • "Thank You!!!" Randy T.

  • "I am amazed at the progress I have made paying down my debt/mortgage in less than a year. I am not a risk taker and would normally be leery of a program that promised to do what this one does. My only regret is that I did not enroll sooner." Alison M.

  • "I am just beginning and I'm so excited to get started. My wife and I had a plan of our own in place, but this is so much more structured. It really seems very easy to follow and the support is great. Looking forward to being debt free. Thank You." Barry & Carol W.

  • "Everyone we have dealt with related to this program has been nothing but extremely knowledgeable, professional and helpful. We want to thank all involved for helping us achieve a better financial future." Alice K. & Barbara P.

  • "My coach was very polite and made me feel comfortable so I could ask any questions I had. I like knowing that I will have support to guide me through the UFirst program. Thank you." Camille P.

  • "Customer Support person Tori S. was helpful. Thank you." Richard J.

  • "The system is very easy to use, if you are familiar with online banking systems. It virtually resembles checking account register, only it keeps a much more detailed account, because everything is real time! I love the system and will recommend it to everyone. Thank you." Allison R.

  • "This is a very good system. It would be foolish not to do it. Your home will be paid off in a very short time frame, once one understands how it works!" Cary & Angie G.

  • "The young lady who helped us tonight was very helpful and amazingly smart. We feel confident that we'll do okay as we execute the program and follow the instructions as shown to us tonight. Maybe it's too early to say if this program will actually help us, but all indications are that it will, if only we could find a way to catch up to the ridiculous pace of inflation and the out-of-control cost of fuel and gas." Amy & Ovala T.

  • "My coach, Mike, was very courteous and helpful. He showed me several examples of how to proceed in starting up our personal program. We look forward to enjoying the rewards of using this program, and anticipate calling in for future instructions and assistance." Russell & Rita S.

  • "My coach was very patient and precise." Roger W.

  • "This is a very awesome tool. It gives us the discipline that will definitely lead to financial freedom. Thank you, UFirst, our children will not suffer as much as we did. Where were you 20 years ago?" Alma & Cesar L.

  • "My coach did an excellent job of explaining how the program works. I am even more excited now about this moneysaving program than I was at the time of purchase. I finally have a sure-fire method of controlling my funds and tracking my spending. Thank you." Celia R.

  • "I'm very happy with the level of service. The only thing that I notice is that because I am on Eastern time (NYC), Client Support isn't open until mid morning for me. Continue doing a great job!" Andrew & Jennifer K. (***Note: since this survey was submitted, the hours have changed and now our support team is available from 8 a.m. to midnight, Eastern time.)

  • "My experience with UFirst has been professional so far. My trainer was very enthusiastic during my training, easy to understand." Doreen S.

  • "Great training by Jared G." Steve M.

  • "I feel very comfortable using my Money Merge Account program because of the training I received, as well as the guarantee of the program. I feel like I am making huge strides at paying off my debt with this program. I no longer worry every day about my debt because I feel like I have control over it now. It is a great program to really take control and put your money to work for you. I highly recommend it!" Amy S.

  • "I have been using my Money Merge Account program for only a couple of months now and have needed a few questions answered from the client support team. I left a message for them late at night on two different occasions�they returned my calls the very next morning, were able to answer my questions, and helped me move forward with my account. Not only have I been provided with a great product, but with a great support team as well." Charles & Holli W.

  • "Adam was an excellent trainer and we found the program fairly easy to navigate. We look forward to using it and we hope it works as well as it appears to. Thank you." Andy & Susan M.

  • "My coaching was very good and actually helped me understand my Money Merge Account program and how to use it. Thanks, Mike B.!" Scott D.

  • "Very professional and patient. Thank you." Vinnie L.

  • "My husband and I are extremely happy with the Money Merge Account system. We thought we would never be in such a wonderful position. Even though the working field I am in (mortgage industry) has been slow, we have still been able to manage the funds in a smart way since we have the Money Merge Account tool. Thank you to our agent and to UFirst!!!! Happy New Year!" Chris & Mary Ann A.

  • "Eddie was excellent. He kept his sense of humor and professionalism while I managed to disconnect from the program and make a few other mistakes. He is very patient. I am grateful I have him as a coach. I have also been praying for organization and this program will do it. Thank You!" Peggy M.

  • "My husband and I felt that Mike T. was very competent and very helpful. This was our 2nd coaching session and found that he explained things clearly and gave us good examples. He gave us enough time to ask questions and seems knowledgeable in this program. Thank you, Mike." Frank & Rosemary M.

  • "Love this program. Very impressed!!!" Chuck & Lisa B.

  • "This program, in only a little over one month of use, has taught me more than a lifetime of spending. I can see the �real� costs of what I am spending. I can see how even very small fluctuations in spending and income can dramatically change my goal of being debt free. I am much less impulsive in my spending because I can SEE what the long term affects of that careless spending do to my ultimate goal. I only wish I had found this program when I was younger. I would have a very different life had I started earlier, but am SO grateful that I have found it in time to pay off my home and my debts and not leave my children and grandchildren with burdens at my death. Now, I can leave them a heritage that I did not have when my parents passed. Thank you so, so much, UFirst. You have truly saved my future." Anne H.

  • "After my training call with Carlos this afternoon, I am even more excited about using the Money Merge Account software. Seeing how I can improve my financial situation through reducing the years on paying off my mortgage is phenomenal. I can't wait to share this information with my family and friends." Danielle J.

  • "My trainer was very nice and helpful. Thank you." Anthony A.

  • "My numbers were not initially installed as on my statements. Customer service fixed it in a few minutes to reflect my correct balances. Missuki was pleasant to work with and seemed to know what she was doing. Thanks guys for getting my program up and running." Alex D.

  • "The Money Merge Account program is a great tool to reduce your mortgage and get debt free." Chuck P.

  • "I'm thankful that we were told about the Money Merge Account system. It has helped us get out from under the credit card trap and it has helped us cut many years off our mortgage payments and interest. I wouldn't want to go back to how I was before using it. Thank you." Arthur & Evelyn S.

  • "Great system, easily navigated! Can't wait to pay off our mortgage!" Danny & Janice F.

  • "Our trainer was extremely professional and extremely patient with us. She was very thorough, and it gave us a lot of security. We were quite fearful of how the software was going to be used to help us, but Karina made everything so clear. She invited us to do many practice examples, so that we would be comfortable using the software. We were assured she would help us anytime if we should have questions. She would be able to update any changes very quickly and easily should we ever need to do so. We are even more excited about our financial future as we now have a greater control through the Money Merge Account program. Thank you." Beaumont & Angela S.

  • "My representative, Jay, was extremely professional and patient; at first glance the Action Plan was overwhelming. However, Jay made me feel more than comfortable using the Money Merge Account program. Although I know I'll need help often, he vowed to be just an e-mail message away. Thanks, Jay." LaChaun H.

  • "I believe this is a great program." Donna B.

  • "The original analysis projected we would pay off our home in 11.5 years following the program. This was pretty exciting, as we had just bought our home (100% financed) 11 months prior to meeting our UFirst agent. Once we were set up with the program and inputted all the correct information, we were excited to see our schedule payoff date only 4 years away! That means I'll NOT be making house payments for 25 years � an out-of-pocket savings of around $210,000! More than worth the price of the software." Austin & Amy S.

  • "My only comment would be on the new version of the Money Merge Account program. It is wonderful. I no longer need to pester you with requests to fix any entries I may have made in error. So far, I am now able to update everything myself. This saves all of us time. Also, the appearance of the new dashboard is excellent ... more in-line with what I would expect from a quality organization such as yours. I know that all the programming was behind the dashboard, but the appearance was very plain. I worked in I.T. for many years, in both system test and programming, so I do have some experience in this field. Thank you." David and Caryl K.

  • "My trainer was exceptionally friendly and extremely helpful. :)" Betty & Tom M.

  • "My service representative was very knowledgeable and helpful. He was very patient." Dan & Penny H.

  • "Outstanding." Eldridge & Patricia S.

  • "Since purchasing the Money Merge Account program, I have been able to look at money in a whole different way than the typical, conventional manner as before. The freedom that this program gives is worth the price of admission and to have the processing power of knowing how your money is working is a true blessing. I like the new format, though the older version was fine as well." Beau & Sylvia O.

  • "Thanks, guys, for this program�I feel good going to my Money Merge Account software and just watch my debt just trickle on down." David L.

  • "This is not the first time I have called in and spoken to your agent Jared G. He is not only well versed in the many levels of this program, but his manners, knowledge and enthusiasm are very evident. He is a great asset to UFirst." CeCe K.

  • "My trainer was excellent." Donna M.

  • "After a few months of use, it should be excellent." Francisco & Lucille M.

  • "I am a version 3 to 4 convert. I have been on the Money Merge Account system for 1 1/2 years now, saving over $40,000.00 in interest so far. Believe me when I say the system works, and I am a spokesperson for UFirst whenever I have the opportunity! The version 4 is more in depth and has many more options. I also like the colors used on the site. Seem more soothing in some ways! There are always questions about how difficult is it to use. I have to be honest and say, are you smarter than a fifth grader? They could do this program! I like it!" Bert W.

  • "This is the greatest thing that I have ever seen. It's so easy." Davie M.

  • "Jake was very friendly and positive. He made a seemingly overwhelming financial venture very simple to execute. I felt as though he was willing to help me with any problems during the training and would be willing to help in the future. Overall, it was an enjoyable and helpful experience." Brian & Becky E.

  • "My trainer was great. Jake made everything easy to understand and walked me through everything. Thanks, Jake." Geoff & Lynne U.

  • "This is an awesome program. Thanks, UFirst." Horace J.

  • "I LOVE YOU GUYS!!! My entire family has been changed because of your system. Keep doing what you are doing!" Bill W.

  • "Any time I have called with a question, the service provided was fabulous. Everyone I have spoken to has been very pleasant and helpful. My trainer was great! I wish all help desks were this nice and helpful!" Diane & Robert D.

  • "I think the Money Merge Account program will benefit me based on my current understanding of the system and the training Jason M. provided. Jason was courteous and presented the information in an understandable manner. I look forward to a brighter financial future. Thank you." Broderick & Alice S.

  • "My trainer was Jessica, who was patient and answered all my questions." Trisha A.

  • "The Money Merge Account software (version 4) is a great system." Horace J.

  • "We always believe in the saying and we quote, �IF IT'S TOO GOOD TO BE TRUE, IT'S NOT TRUE.� But this system proves our doubts false! We will certainly recommend this system to anybody, anytime and anywhere. If we are given the chance to purchase a home more than twice, we will definitely apply the same system. It�s hard to believe that there are certain tools that may help home buyers tackle their mortgage earlier than what's �scheduled.� No matter what other people may think and say, we will back up this program 100%! Thanks, and more power to United First Financial. Keep on rocking!!!" Bliss & Vilma B.

  • "We are very impressed with the excellent professional service we have received so far in setting up our system. We can't wait to see the years evaporate from our mortgage balance!" Dianna L. & Willie C.

  • "Kayla patiently walked us through the set up process, step-by-step and answered all of our questions right away. We felt completely at ease with her direction and knowledge." Bruce & Rene P.

  • "SOUNDS GOOD! ANXIOUS TO START." James S.

  • "Just thought I would give you an update on our progress. We have been on the program for just about 10 months and have paid off more than $43,000 on our 1st mortgage. We are ahead of our analysis by 2 years, and now down to 9.9 years before we are debt free! It took us 5.3 years to pay off $21,000 on our first mortgage through our amortized loan, and now we have doubled that in 10 months! Thanks!" Bob G.

  • "This is a great program and I am still impressed. Very user-friendly and the customer support is just outstanding." Diego C.

  • "This FEEDBACK is actually geared towards a CHAT ROOM service I had. TORI S. was awesome. She took the time and was able to work with me. I am going to love this new version." Bryan & Daniela G.

  • "My trainer was very congenial and did a very good job. I only hope I can remember all I am supposed to do. Thank you." Joyce P.

  • "This is an excellent tool for debt reduction." Jeffrey N.

  • "I recently needed some additional information/training on our Money Merge Account program software so I called the client support number. An extremely helpful and friendly man named Mike B. answered the phone and walked me through the questions that I had. Not only did he answer all of my questions, but he also helped me eliminate 1 additional year of mortgage payments just by making a couple of observations regarding a Money Market account that we have which is paying only 4% interest. We are absolutely thrilled about this program!" Brad & Sandy B.

  • "The client support team at United First Financial is incredible. Always courteous and helpful. The software is super simple to learn on one's own. Others that I know who use the program agree that training is not really needed." Dimitri & Kim K.

  • "Great job by Caleb of patiently going through program. I had a lot of initial questions that were addressed before going through basic program steps. I like UFirst's approach of being able to contact the same trainer, if he or she is available. Do whatever is necessary to stay at this level of customer support." Burgess O.

  • "My trainer was very good in her knowledge of the product." Cynda F.

  • "Very friendly. Nice to be able to share with this wonderful person. Thanks." Jeri S.

  • "We were only 2.5 years into our 30-year mortgage when we got on the plan. Now, only a short 18 months later, our projected payoff is only 4.3 years away. Best of all, we have not changed our lifestyle one bit. I would recommend this system to anyone who would like to save thousands in interest and pay off their house sooner!" Brian & Janice W.

  • "I like how easy this is to use, and so far the results are excellent and have given us some hope to really get ahead and build wealth." Duane & Donna G.

  • "Caleb was very patient and helpful." Carol & Kevin L.

  • "My trainer was very helpful and knowledgeable." Stephen M. & Kathleen C.

  • "I can't wait to start using the program." JDM

  • "This is the most awesome financial budgeting tool and early-mortgage-payoff system I have ever seen. See you on the beach." Bridgett & Rob E.

  • "It was hard to get started. We had to change the way we paid our bills and that made us nervous. We knew it would all be worth it so we stuck with it and it's all working out great. It's unbelievable!" Elaine & Christopher C.

  • "Eddy L. was my coach. I had created a lot of errors and he stuck with me until I understood and all errors were fixed. He was patient and kind and very knowledgeable. He is the reason why I am when I say there?so comfortable recommending this program to my friends is great customer service I am right. Thanks, Eddy!" Catherine & Robert K.

  • "Since I have just reviewed the training material, but have not started the actual process yet, I would say this will be a great program. The information from the representative and the training material answered my questions and concerns. Many thanks." John H.

  • "This program is great because I changed NOTHING about my life, my income, or my spending. Yet, I cut my 30-year payoff term for my mortgage down to 8 and 1/2 years!" Brittany R. & Matt E.

  • "Mason was great! I'm not very computer literate and he walked me through everything. I feel comfortable starting and using the software. The software is user-friendly, even for those us who do not have a lot of computer knowledge, and the support is great." Ellen L.

  • "To whom it may concern: Mr. Mason provided an excellent mirror of the UFirst program dynamics from the beginning concept to its actual implementation. He is punctual and thorough in transferring program knowledge without fault. Above all of his factual program knowledge and skills, he has patience with his clients and does not leave a concept until the client has grasped the working knowledge. Mr. Mason I believe is a great asset to this program and should go far in this company." Cathrilla D.

  • "My Trainer, Adam C., was so patient, calm, nice and very attentive! I felt so comfortable and at ease with Adam I felt like I could ask him the same question over and over until I finally grasped it! I am very eager to start my Money Merge Account program and intend to use this wonderful �tool� to paying off our rental property and HELOC account faster than I could imagine! Thank you sincerely." Judy F.

  • "Amazing program." Joseph C.

  • "I cannot believe I will be debt free in 4.5 years! Unbelievable, since I am a single mother on a fixed income! This really works! Thank you!" Carol E.

  • "We are very pleased with the Money Merge Account program and how it is helping us achieve our financial goals. We are looking forward to be able to keep learning and becoming more financially independent! Thank you." Enzo & Stacie G.

  • "I am very pleased with my training experience. Jessica was very pleasant and very patient with me. She answered all my questions in a very professional manner. She went over every section of the program and explained all the features and how they work. I feel confident that I can use this system and that I will enjoy seeing how it works for me. Jessica spoke with me in a casual manner that made me feel comfortable. I was anxiously waiting for my coaching phone call. Now I see exactly what my agent told me is true. I felt like I was talking to someone I already knew! Great Job, UFirst!" Cathy & Garry B.

  • "My trainer, Paul S., is first rate! He is knowledgeable, patient, personable, and thorough. The webinar was excellent as well. Very clear and well-paced." Deesha P.

  • "This is a great product." Ken Z.

  • "I have been using the Money Merge Account program since February, 2007. At that time, I had 28 years left on my mortgage. As of now, I have 3.5 years left to be completely debt free! It is so easy, and I am absolutely thrilled! I know that if I had not made the decision to use this system, I would have at best 27 years left, and most likely, would have refinanced again to get a lower monthly payment. Now, I never have to refinance, and I am very much looking forward to accumulating money once I am debt free! Thank you, United First Financial!" Carol E.

  • "This is a high-quality program. There has been a lot of thought put into it. It is a great money management tool�I love it!" Eric W.

  • "My coach, Jared G., was exceptional!! Super friendly, helpful, patient and knowledgeable are just some of the words I would use to describe him. I am so impressed by the customer service that I always receive from UFirst. Thanks for a great experience!" Charles & Jessica M.

  • "My trainer, Robert, was quick to assure me that I could do this, and nervousness will go away to be replaced by confidence!" David & Wanda Sue P.

  • "Being new to the system, we will be interested to see how accurate the payoff of our initial homeowner�s loan will be using this software program. We are excited to get started." Mark & Kahori F.

  • "Having the Money Merge Account system as my personal financial planner has dramatically changed my life. I went through bankruptcy, foreclosure and divorce in 2001. I know with all my heart that if I would have had access to this amazing tool, it could have prevented all of my 2001 tragedies. Although life has happened, as it often does, since I began the Express Money Merge Account program in July, I still have tremendous hope in being completely debt free! I went from $18,000 of debt being paid off in 9.7 .. down to having it paid off in 2.33 years. I since added parent loans, a car loan and consumer debt, for a total of $30,000, and it will be paid in 3.07 years. That's life changing & why I am passionate in sharing the UFirst story with others." Cathy B.

  • "The version 4 is extremely more user friendly. Also, I find that I am able to see more of what is transpiring with both my creditors and my checking and savings accounts. I would like to thank everyone with whom I have spoken to over my time with United First I can honestly say that everyone has been very professional,?Financial patient and friendly. Thanks again!" Gail & Ronald H.

  • "Special thanks and �kudos� to training coach Nichole P. She was very patient and courteous with me and my many questions and interruptions to our session!" Charles F.

  • "My training experience was very good. My trainer was knowledgeable and very patient with me as my computer skills are minimal. I look forward to a long and profitable relationship with you. Thank you." Mel & Sandy D.

  • "1st-class program." Mike L.

  • "This program has made my life free from the worries of bill paying and staying on a budget. You know where you stand at all times. It is the easiest program to manage your personal finances. Unexpected bills or emergencies never concern me anymore." Cathy G.

  • "I will recommend this product to everyone. It is perfect for whosoever is planning on getting organized and soon out of debt. Congratulations." Ghulam M.

  • "I received wonderful help this morning from Kathy L. She was very patient with me and helped me understand this system better. We will be working together to get me up and running again. I look forward to using the system to the fullest with Kathy's help." Charlotte G.

  • "My tutor was very good and informative at explaining the software." Barbara D.

  • "So far, everything is wonderful." Rick H.

  • "The Money Merge Account software has made my life so simple. Everything is done quickly and easily and there's no stress when it comes to paying my bills. It is a prayer answered. Anyone could benefit from this program if they have a mortgage. The training was fast and they made it so simple to use. Thank you." Charlene S.

  • "This system has truly changed our lives. I am so happy with what we have accomplished so far and often wonder where we would be if we had been doing this sooner. Many thanks to Gary L. for taking the time to educate us and for supporting us every step of the way." Gregory & Donna M.

  • "I really appreciate the professionalism, knowledge and attitude of my coach (Eddie). He took the time to answer and explain my questions. He walked me through my questions to make sure that I understood the procedures as well as the reasons." Christian & Mercy B.

  • "Nicole was excellent. She was clear and sufficient. She made everything easy to understand and was most courteous. We will continue to try and do any further business with her. Also, Barry S. was excellent at presenting the whole program and the benefits it provides. He is a true professional who possesses a very assuring and calming influence when he goes over the program." Stephen & Barbara B.

  • "We like the user-friendly program." Valerie & Joe L.

  • "This program is the BEST thing that we have ever done. It is simple to use and easy to understand. I wish we would have known about it years ago. It makes our lives so much easier. THANK YOU!" Charles & Jackie S.

  • "What a great opportunity to control your financial plan. You know where to start and how to go about getting ahead." Harry A.

  • "Michelle and JG did great!" Claudia M.

  • "Omar P. was a great trainer. I am thrilled that I now have my own personal trainer whenever I need one. I feel confident I can now do this on my own. I am excited about getting our Money Merge Account software working for us. Thank You, United First Financial!" David & Susan F.

  • "I can't wait to get started." Veronica K.

  • "Instead of going figuratively nowhere financially, my wife and I are on track to be completely debt free in 12.25 years. Thank you, United First Financial!!!" Charles S.

  • "James and I love this program. We're still learning the system and have every confidence that soon we'll master it. It's a blessing knowing that, should we need assistance, there's a friendly, knowledgeable coach at Client Support willing to help us out. The entire team at United First Financial, from the initial presentation to the set up of our website, has been a pleasant one. With many thanks." Yvonne W.

  • "Thanks for helping me to get started." Sandy P.

  • "Our trainer (Patrick) was great. He explained things thoroughly and was very patient. I know this program will work ... Once again, thanks to Patrick, he was great." Sincerely, Kyle & Tracey H.

  • "Awesome!" Victor M.

  • "The Money Merge Account system is an absolute blessing for my family and me. For the first time in our lives, we are in full control of our financial future, and the future looks great. I cannot thank United First Financial enough for developing such an amazing tool. Every homeowner in America should be using the Money Merge Account system." Chris & Melanie S.

  • "This is a very effective program, and anyone who understands it will be sold. However, it is hard for some people to understand the concepts of the program. Thanks so much for a program that eliminates debt, instead of creating or spreading debt out over a longer term. Thanks again." James O.

  • "Robert D. did a great job in helping me go through the program. Thanks, Robert! I'll be sure to e-mail you if I have any issues I can't figure out. :) This really is exciting!" Connie & David S.

  • "Our coach was very knowledgeable of the Money Merge Account program. We had some information listed incorrectly concerning our LOC and she was able to make the necessary corrections online. We were very pleased." Samuel & Johnnie Mae J.

  • "One word: AWESOME!" Kerry & Kylie E.

  • "I took a chance on this �too good to be true� program because I was referred by a friend I trusted, and I know enough about finances to catch on. Once I got started, I found it to be worth every penny, and in two months had saved more on my mortgage than I paid for the program and am still going." Chris T.

  • "The best money-management system I have ever seen to get you debt free; I would highly recommend to anyone. Thank you." James P.

  • "Travis G. was very good, and teaching me on a computer is quite the job. Thanks, Travis." Connie B.

  • "Our coach, Katie, was very personable, extremely knowledgeable and helped us in setting us up on our way to financial freedom." Hector Perez & Sarah P.

  • "Good experience." Andy H.

  • "I purchased a house with my best friend last year. Both she and I had considerable credit card debt, especially me. In using the Money Merge Account program, with this considerable credit card debt (and 29 years left to pay on a mortgage) at this point we will I?be able to be debt-free in SEVEN years!! That is absolutely amazing thought that I'd never be out of debt!! My friend and I are so impressed that we are going to share our story and help others break free of debt as well. Thank you, UFirst!!" Christle R. & Cathy K.

  • "This has been an amazing program for me and my family. We thank UFirst for looking after the best interest of people in debt. Your company will truly be blessed from God for what help and knowledge your company has given people!" James S.

  • "The Money Merge Account program representative that has assisted me, �Michael,� is excellent. He has been extremely knowledgeable, professional, patient, and available to assist me in working through the program. I am very fortunate." Curtis S.

  • "Our trainer, Kayla, was professional and courteous. We appreciated her patience in guiding us through this process. Thank you!" Ralph & Brenda D.

  • "Thank You, Marie, for your help." Menno E.

  • "WOW!!! Did not believe it at first, but it's true! 4.8 years to pay off!" Cindy W.

  • "I am very thankful for United First Financial. This has given me the opportunity of a lifetime and has changed my life forever." Jeff E.

  • "Travis G. was very friendly and helpful. He was able to quickly figure out what my question was and gave me further instructions on how to better track and record my one- time purchases." D.J.

  • "Our trainer did an excellent job. Thanks for the e-mail address and the opportunity to set up another date and time if we feel we need more personal help." Loris & Lois R.

  • "Jim O. was very helpful." Curtis D.

  • "In less than 1 year I applied $26,700 to the principal, and thanks to the Money Merge Account program I will be debt free in 3.5 years." Dagoberto R.

  • "We are very excited to be starting the program and look forward to the many benefits that it offers. The coach was extremely helpful and patient during our initial session and really put me at ease going into our first month of using the software." Jennifer & Christopher M.

  • "My coaching experience was excellent. This was a follow up coaching based upon questions I still had. Jared G. was wonderful. He called me at exactly the time specified and was courteous and professional. I have a great comfort level in working with United First Financial." Dale & Anna N.

  • "Our trainer was very clear in her explanation of the Money Merge Account program. She was very patient and courteous. She asked over and over if I understood everything and if I had any questions. She did not rush me and I felt very comfortable. I hope when I need help again that I will get her as my personal coach. I highly recommend her." Devida W.

  • "Mason was very patient and helpful." Suzy S.

  • "I get high every time I get on the software. It is an awesome tool. My life will never be the same again. I can see my past, present and future all at one time. There is nothing like this on the planet. Wow!" Patricia W.

  • "Absolutely wonderful program. Did not receive any training once program was bought, just used the online training program, and it's working wonderfully! Makes you think before you spend." Jennifer & Jeremy S.

  • "Persistence and product knowledge from my UFirst agent, Will L., was pivotal in my decision to purchase the product. Over the course of about one year, Will continued to explain the benefits of the system in a knowledgeable and professional manner which proved to be very persuasive, for which I'm now thankful for! The UFirst coach (Tony, if my memory is correct) was also knowledgeable and very helpful in getting my software set up and in explaining the �ins and outs� of it." Damon J.

  • "Our trainer was very professional in a friendly manner. We enjoyed our training!" Ed & Tami L.

  • "Mike B. did a great job." Andrew & Lynsey R.

  • "This program has been an amazing tool to help educate our family on the power of money and has motivated us to manage our budget more wisely. Thank you for creating such an awesome program." Daniel & Ami P.

  • "When first signing on for my software, I was somewhat disappointed that I had to wait for my coaching appointment to get started. I am glad that this is now optional. I think it is a great tool for many; however it is nice that we now have the option to review the tutorial ourselves and get started right away. The Money Merge Account program is changing our lives and we are excited to be able to help others along the way. We are excited to see the next updates on the software and to be a part of UFirst!" Jennifer R.

  • "The sales person who introduced the program was also the person who trained me to use the system. Her name is Kristy A. She did an excellent job presenting the program and an even better job at introducing the system to us. I'm up and going and this will be the first month that I'm using the Money Merge Account program. I believe that I have all the information that I need to operate the system accurately. Special thanks to Kristy. Yeah!! Kristy!!!" Dan & Jennifer M.

  • "Our trainer, Pamela G., was a pleasure to talk with. Pamela walked us through the software with ease and made sure we understood before we moved on by asking us if we had any questions. We appreciated her gentle demeanor, by not belittling us, etc. Some trainers/techs can put forth vibes over the phone that make you feel like a dummy. Pamela was not like that at all. Again, I appreciate that. Thank you." Dick & Pamela C.

  • "Mike T. was excellent. Thanks very much." Bill E.

  • "Even after receiving the training, somehow I made mistakes. My mistakes were quickly repaired by the very friendly people in the support division. I love this program!! Every homeowner should use this system. It pays for itself hundreds of times over. And it is fun to use! Every time a transaction needs to be performed I get a kick out of using the program." Daniel & Louise B.

  • ""This system has changed my life in so many ways. Thanks to everyone at UFirst for giving us the tools for financial freedom for our family." Jerry & Heidi W.

  • "Mason was excellent. So patient and knowledgeable. I'm not good with the computers, but he was great and really made me feel comfortable. Training is really his expertise. He even gave me his e-mail address in case I needed him in the future." Darlene S. & Jerome F.

  • "Karina was very helpful and we look forward to working with her." James & Deborah Q.

  • "My original coach was great. Thanks!" Carmen & Ronald B.

  • ""This is truly a Godsend, which can get America out of debt permanently. If only you could design Money Merge Account program for the U.S. budget." Daniel Z.

  • "This program Rocks! The Money Merge Account program is helping change lives. It's a real program for real people with everyday lives. It's the best way I have ever seen for the average person to get ahead." Jerry A.

  • "In setting up our Money Merge Account program, the coaching was great. Our coach walked us though every part of the program, he was very helpful, and he was knowledgeable in starting us on the road to being debt free. 5 years to go." Dave & Deb W.

  • "Paris is great and very responsive and knowledgeable." Randall & Gina B.

  • "MY TRAINER WAS GREAT!" Shirley H. & John J.

  • "I am absolutely thrilled with the performance of the Money Merge Account software. We have multiple commercial properties and, by using the software, we have a game plan to be completely debt- and mortgage free in about 12 years! That represents paying off over $6 million in debt! Thanks, UFirst!" Dave M.

  • "Because of its simplicity, it will only be a matter of time before I master this program. I am excited to use the program because I know it will be effective." Jerry Y.

  • "Jessica and Robert helped my wife and me for three coaching sessions. They did an awesome job!!! We appreciate the assistance and are excited about using the program. Thanks again!!!" David & Wanda Sue P.

  • "Patrick covered a lot of material in the hour we were on the phone. He was very courteous and knowledgeable, and I look forward to talking with him when I have additional questions. Thanks." Barry & Carol W.

  • "My training was very good." Scott & Mindy R.

  • "We are very excited to find a program like this to help us pay off our mortgage that was hanging over head for a long time. It is a dream come true, because when we bought our home three years ago, I told my husband that we wanted to pay off our home in fifteen years. His comment was, �It cannot happen,� but I told him it that it would. So after three years, here comes the Money Merge Account program to fulfill the word that I spoke by faith, not knowing that God was allowing the wonderful team at United First Financial to help us. Thanks sooo much." Junee & David M.

  • "I couldn't be more excited to begin using my Money Merge Account software. I truly believe that, financially, the program is the most eye-opening program I have ever come into contact with. Truly the best thing to ever happen to me and my family's future." John C.

  • "I would like to personally thank Torrie S. and Rachel S. for the service I received on 12 Feb 09. Both were customer-focused and interested in resolving the problems I was having with the 4.2 upgrade. The problems were immediately corrected. Both are highly knowledgeable and skilled." David G.

  • "Patrick was fantastic. He was patient and helped me get back on track with my Money Merge Account program. He helped me set up the Money Merge Account program and validate my deposits and withdrawals so now I am starting off on the right track. I am feeling much better about my financial future. Great customer service and follow up!" Steven & Susan S.

  • "Patrick did a fine job!" Todd & Deborah W.

  • "If you need to get you and or your family on a plan to become debt free, then this is the product for you. My wife and I have such a breath of fresh air knowing we're getting closer to paying off our home and having NO DEBT AT THE SAME TIME." David & Karen D.

  • "After viewing the training I still had a few questions. They were worked out in the actual activation of the program with the help of a couple phone calls to your staff. I've been on the program since March of this year and have paid down my mortgage by $75,000. Something says that's too good to be true. I still don't know how it works, but I guess it does. There's a skeptical side to me that's waiting for the bubble to burst. But that's my problem, not yours. Given the travail of the nation's economy I hope I can continue producing good news with your program." John L.

  • "All my questions were answered in a way I could understand and I was also able to get a better conceptual understanding of the program." Dean & Renie P.

  • "Patrick was very patient, went back and forth as I asked to see again some transactions that I still had question on or didn't get it on the first time. I really appreciated his help on my understanding of the software. He was very knowledgeable of this product. Thanks to you all." Gilberto & Maria D.

  • "Patrick J. assisted me and he was great." Bernice J.

  • "Using this program has enabled us to pay down $9,000 of our 1st mortgage in just 6 months of using the software. We are thrilled with the results and how it has gotten us in even better financial shape than we were before." Laurie N.

  • "The Money Merge Account program is really a great money-saving concept. In addition, I now try to charge all of my expenses to my credit card which I then pay off at the end of each month with my line of credit. Using the credit card approach for expenses plus, it reduces my LOC interest."?helps me track my expenses better John N.

  • "I believe I am not alone, and that when I get stuck someone will be there to help me. This system should really help me achieve my goals. Thank you." Dean A.

  • "Please be advised that Jessica in the client help department was very professional and went beyond the call of duty in helping me. Keep up the good service, we appreciate it." Lea & Edward G.

  • "Paul provided excellent training." Elbert & Bernice H.

  • "I'm so glad I finally found something that can truly have an impact on my lifestyle! Paying my mortgage off in 1/3 of the normal 30 years will greatly expand my financial options. It feels so good to know for certain that your money really is working for you, instead of vice-versa. Thank you, UFirst!" David A.

  • "We just love it. We are planning on building a home and this is really going to help us achieve our goals." Joi & James M.

  • "I want to take the opportunity to let you know that Marcus is an asset to your company. His knowledge of the program and his ability to explain it in terms that are easily understood is outstanding. I feel confident that I can use the program correctly and I also know that he is there for me if I need him. I hope you realize how lucky you are to have him." Debra L.

  • "Please give Marcus R. a BIG thank you for me. He is truly a gentleman and a professional. I look forward to speaking with him again with any concerns or questions I might have concerning my Money Merge Account program. He knew exactly how to stay on task through each part of his presentation and made me feel very comfortable with the product. Once again, thank you to Marcus." Sandra & Brian M.

  • "Robert was great. Robert was very patient with this problem." Lloyd & Patricia J.

  • "With this system, I will be able to pay off my home long before I retire. And because you can keep the program after you pay off your mortgage, I will easily be able to buy a vacation home out of state and have that paid off as well." David W.

  • "I am excited that it is this easy for individuals to apply principles that banking and lending institutions have been using for years." Joshua & Beth H.

  • "Nicole P. was very professional, knowledgeable and courteous. She was personable and made the session easily understandable." Louann A.

  • "R. S. was an excellent trainer on my one-on-one training to walk me through for the first time on my product. I do appreciate the fact that he offered me to email him directly in case I had any immediate questions, (which I had right away) but it is nice that someone will be there to answer any questions I have. Thanks." Irma & Carlos A.

  • "Sandra was great and patient." Thaddeus P.

  • "I wish the Money Merge Account program was available 18 years ago when we bought our first home. Think where we'd be now!!!" Dean & Doreen W.

  • "Paris was so very helpful, as was Gwen and the she was great) who?unknown lady (sorry, I really wish I knew her name answered the help line telephone. Now I feel much more confident in utilizing the software. I believe this to be an excellent product, with really good people in your system. Just please be aware that not every one of your clients is a financial expert, and there are some of us who might need just a little more initial structure. I will have absolutely no problem endorsing this program to any of my friends and family. Thank you." J.T. & Barbara P.

  • "The coaching I received was superior. Ted L. was quick to address my concerns and validated my experience with professionalism and courtesy. His response was actionable and afforded me the opportunity to feel very supported and valued as a customer. Thanks to Ted and my coach who was very knowledgeable and patient." Dick B.

  • "Really a great program." Wes & J. B.

  • "Sandra was wonderful. :)" Jefferson & Rebecca D.

  • "I was at the end of the rope on my financial problems. I knew that God would provide a way out and I believe this is it. I make good money, but being a single mom I had worked my way into a corner putting a child though college. I went from $40,000 in debt (not including mortgage of $106,000) to ... I will have everything paid off in a little over 5 years. I now enjoy life again and everyone has started telling me how good I look. The stress level has decreased to almost zero and I now enjoy my life because my money is working for me, not everyone else. Thank you for this service!" Debra F.

  • "This is an instructional guide to stabilize the economic status in our family!" Juan M.

  • "We trained with Mike B. both of us enjoyed his warmth and enthusiasm about working with us. He was very thorough in his presentation of the Money Merge Account product. He answered all our questions and gave us the tools we need to begin operating our dashboard. Thanks, Mike. Thanks, UFirst." Jenny and Don F.

  • "When Paris from your company got involved everything became much clearer. He did a terrific job of researching my issue and explaining where the disconnect occurred. He was great at following up. He totally fixed my problem and reinstituted my faith in your product. Thanks, Paris." Rick B.

  • "Thanks, Christian!! It was very good!" Kip & Tammy B.

  • "This software is a great tool. In just the last six months I paid down a few thousand dollars on principal, and I also can keep track of all my finances." Dennis & Pat H.

  • "I am VERY happy with the Money Merge Account program. We were in a situation with our credit where we were not eligible for a LOC, and at the same time the housing market was 'crashing' in our area. It seemed like lending practices were changing almost daily, and because of that we hit a few bumps in getting our loan set up to do this program. However, our agents, Annette E. and Pam H., went way above and beyond in order to help us get the necessary credit accounts set up, which would allow us to use the Money Merge Account program to our advantage. We will definitely recommend this to everybody, especially when we get to the point where we've made a couple of "funds transfers" and have started seeing a noticeable drop in the principal balance on our mortgage. We're scheduled to make our first funds transfer next month!" Keith & Sue A.

  • "The gentleman I spoke to was very helpful. I was very pleased and excited on our new adventure to financial discipline and freedom." Dwayne & Connie D.

  • "Recently my wife and I needed help. Sam G. was helpful to us." Robert & Nedra S.

  • "Thanks for the support and help." David & Michele B.

  • "This is the best thing that could have happened to us financially. With the risks and other uncertainties in the economy, this provides us with a stable guarantee that we can be debt free and have the time required to save for retirement. Thank you so much for sharing this with us!" Derek & Kendra C.

  • "I am just starting this today and am very excited to do so. I know I will start out slow, but everything is very easy to understand. For the first time I feel I finally have complete control of all my finances. Thank you very much." Keith & Wanda H.

  • "Missuki was very professional and encouraging during the coaching. She worked with my goals and information, which kept my interest up. Great in getting me up to speed. Thank you." Anne M.

  • "Ruben was an excellent trainer, especially considering that he is new to the team. He was courteous, professional, and chooses interesting scenarios to play with the account. Thank you." Benjamin & Leigh Ann J.

  • "The lady who helped me was really great." Mike S.

  • "With this program, I will be able to be debt-free in 2013 thanks to this program. I will recommend this program to all of my friends. Thank you." Dobbie H.

  • "I am thoroughly excited to begin this software program! After seeing the initial presentation, I decided that it would be silly for me not to give it a shot. I thank my agent for his patience in training me and his knowledge of the software. I can only hope that I will be able to convince my friends and family to start using this software as soon as possible. Wish me luck!" Kelly & Stephen F.

  • "The training I received was very professional and understandable." Earl H.

  • "Sandra was very easy to work with and covered everything we need to know in a very professional and friendly manner." Dan and Nancy H.

  • "My husband and I are looking forward to retirement and this program is going to help us get there. I have also spent many thousands of dollars to loan companies over the years, and wasted money trying to save money by refinancing loans. It was all an expensive waste. This program is going to enable us to get little back from them, by not paying all that interest they expect from us. Yahoo! :-) It warms my heart! Thanks to all of you helping get this program out to us little people. We thank you from the bottom of our hearts." Don & Kim E.

  • "The UFirst representative was very patient while we did our training session. The program is easy to use and I feel that anyone could use the program. I feel that UFirst will help anyone change the way they utilize their money. Great program." Kenny & Beth L.

  • "Shannon O. was very helpful and helped in a way I could understand. Thanks so much." Ed F.

  • "Shane helped upgrade my Money Merge Account program from the older version very effectively and courteously. Thank you Shane." Samarendra & Trpti B.

  • "The trainer was excellent and very knowledgeable." Betty S.

  • "I was recently widowed and had to take control of the finances. I started in October and will burn my mortgage in about 2 months. Thank you to all of you who made it possible! Sandra on your team was very patient and supportive. Thank you, thank you all so much." Donna B.

  • "I have just received my activation information; I went online, logged in, viewed the quick start training and then began using the software all within 1 hour! So far it is simple to use. I am looking forward to great results with the program. I have already made some assumptions and changed some information and can see how my actions will dictate my goals --- THIS IS AWESOME!" Lawrence J.

  • "The coaching that I received was just outstanding. Patrick answered all of the questions that I asked. The answers were given in a manner that I could understand them. He was very patient with me. I even received a phone call on my cell phone, and he gave me time to answer. I was able to get the call done in less than a minute and then we continue the training and I was able to focus on the issue at hand. Thanks Patrick." Ed & Donna J.

  • "Spoke with Kaylee and she was VERY patient with me and guided me through the program. We updated the numbers to the exact figures. She set up an appointment with me at MY convenience and was kind not to hurry me off even though she had an appointment within minutes. She waited until I understood what we did and explained how to execute and proceed with my Money Merge Account program. I look forward to speaking with her again. I am very excited to continue on with my program.Thank you." LuAnn V.

  • "The training session on Monday the 14th was extremely helpful." Lane & Julie W.

  • "The program, to me, was heaven sent ... just the answer to the question I always had and never thought someone would ever come up with. I thank God for giving these guys the wisdom to (in a way) invent such a program, which, by their efforts, is bringing so much happiness to so many people in need. We as a family are extremely happy to get this great benefit and would like to add that we went to the convention just this past weekend and met these great guys who will be bringing more benefits in the near future. I just don't have enough words to describe what I just received by letting an agent talk to me about the Money Merge Account program. Thank you, thank you, thank you!!!" Ed D.

  • "I am very excited about the amount of money that I will both save in interest and earn by investing, thanks to this software!" Lee & Kari B.

  • "I found George to be very patient with us." Edward D.

  • "Thank you Alex, you were very helpful. I was so grateful that you agreed to help me when I had problems getting into my new program." Judy & Dean L.

  • "The trainer was very patient." Jay & Patty N.

  • "This program was an answer to prayer. We had a second home ready to rent, yet owed too high of a monthly bill. With the Money Merge Account program, we paid off that home and are now generating positive cash flow. This cash flow is helping us to stay on track to pay off our current home in 7.5 years! To say that we love the program would be an understatement." Ed G.

  • "We are very pleased with our Money Merge Account program. It is fantastic and the results we are seeing are fantastic. Keep it up." Lee and Shana J.

  • "Every time I call with a question, everyone is very polite, courteous and especially patient. My last conversation was with Shannon O. Thank you." Ed D.

  • "Thank you Andres, your coaching was excellent!" Nancy & Lance W.

  • "Very knowledgeable trainer!!!" Angelica & Edwin R.

  • "I have always been very disciplined about paying extra on my mortgage. I also had dreams about teaching younger people the power of understanding amortization schedules. And, I had effectively used portions of the program to pay off my previous home. At first I had doubts --- but now, with power of the Money Merge Account program, I'm going to pay my present home off in record time! The program has empowered me to be even more aggressive than ever. The best part is that it accurately tells me exactly where I'm at any given moment to a free and clear home. Thanks so much! I wish I had heard about the program sooner! You guys are changing the world." Edward & Rene H.

  • "The Money Merge Account program is very user friendly and we are so excited to have found something that can help just about everyone." Lawanna P.

  • "I would like to acknowledge the excellent support that I received from Sandra S. She was very kind, patient, enthusiastic and innovative in her approach to my problem-solving needs with the Money Merge Account program. She really helped me to simplify the entire process, making it much easier to manage our account. She is a great asset to this program!" Edward H. Jr. & Allene S.

  • "Thank you for such prompt service. Mike B. was friendly, very informative and helpful." Jimmy & Maureen T.

  • "Well done! Thanks a lot Mason!" Mike K.

  • "Excellent system for giving real-time goal progress. It's good to see how deviating from your budget will affect your long-term goal. This program has given me new hope for quick financial success and freedom." Edward & Susan T.

  • "I am very pleased with the results of the Money Merge Account program. This program will help change my financial future and my children's future. This is truly a tool that will help my family." Loran & Angie O.

  • "My coach was Tory S. She really did an amazing job!" Eileen K.

  • "Thank you for the many options for training. Your trainer showed courtesy, knowledge and an interest to ensure my understanding of what to do, when and why. Your program appears to provide hope for financial independence." Bunny D.

  • "All is GREAT!!!" Kevin & Carlene C.

  • "This is the first time that I have ever felt this comfortable with the household accounts. My husband is retiring in 3 years and I really thought that we would not be able to keep the house ... but on this program, we will be okay. Thank you again." Elaine D.

  • "I have been very excited and pleased with the Money Merge Account software. I'm just anxious to convert to the V.4 software! I've just been using the software for a few months and can't wait to make a transfer. Thanks!" Loyce M.

  • "Eddy L. was a pleasure to work with. Very friendly and answered all of my questions. Also, this new version is much more user friendly." Ellie & Paul W.

  • "Thank you for your help. You did an excellent job in representing this program and I learned more today, since I have been on this for almost one year." Jean Y.

  • "I am very excited to be a part of this program. It isn't often a product comes along that actually benefits someone as UFirst's Money Merge Account program does." John S.

  • "I find that I am paying off my bills more efficiently; and, even though I have not been prompted to make extra payments, my mortgage is down and so is the line of credit. I find that I have more flexibility in paying my bills. My credit score has improved dramatically (no more late payments --- there is always money in my account). It's helped me out a lot in setting and reaching my financial goals." Elba F.

  • "I have loaded my expenses, payments, etc., and I am thrilled with the payoff information and timing. This program will enable me to truly monitor my spending and probably nudge me into a tighter control of our spending. That payoff panel really makes you consider the consequences of a withdrawal, etc. Thanks!" Lynn B.

  • "We enjoyed the presentation and look forward to using the program." Emmanuel & Irene B.

  • "Thank you for your patience in helping me learn the program. I am very comfortable knowing you will be there when I do not understand some detail of the program and you will lead me through. Again, I thank you." Sophie & Sergio G.

  • "I love UFirst!" Lee J.

  • "My husband and I have been using the Money Merge Account program for maybe 5 months now, and we are extremely excited about the impact it has made so far on our mortgage. We wish we had known about the Money Merge Account program 3 years ago when we first purchased our home." Enoch & Paula J.

  • "I received my telephone call exactly on time. Laura was my trainer; she was very knowledgeable on the program and was able to answer all of my questions and assist with my personal profile. I am so excited that I am going to be debt free in just over a third of the time I originally anticipated!!!" Mandy C.

  • "Jake did a very good job explaining how the Money Merge Account software works and I feel confident using it. If I do hit a snag where I'm not sure what my next move should be, I know Jake will walk me through what to do." Eric & Colleen F.

  • "Thank you, Paula, for helping training me this morning! I can't wait to get started and I'm so glad I found UFirst!" Casey M.

  • "Set up help was good with the toll free number." LeeAnn & Scott W.

  • "The program is great!!! I find it easy to use and have reduced my mortgage by $18,000 in less than 10 months. As I have 2 sons who will be going to college in 7 years, I look forward to packing away lots of funds when my mortgage is paid off in Jan. 2011." Eric & Lisa K.

  • "A powerful system. Thanks." Max & Marie G.

  • "My coach (Eddy) was great and answered all my questions. My agent, Leverett W., was a great help in steering me to financial freedom. Thanks." Eric & Kim B.

  • "Thank you, the training was very helpful, since I learn by seeing better than other methods. I am so thankful to have this program. Thank a million." Dana

  • "Everyone I have talked to has been very professional, and helpful." Jim S.

  • "My wife and I dropped over $10,000 off the principal of our mortgage in the first 6 months of using this program! We have been very pleased and excited about the results that we have seen. The program indicates that our 30-year mortgage will be paid, at this rate, in just over 9 years. The program is simply brilliant!" Eugene S.

  • "As owners of the software, we are very excited to help guide our financial future. Thank you so much, and God Bless your efforts." Mel & Judy R.

  • "Thank you for your hands-on training. Your coach, Mason, is very patient, well-trained and detailed. This application becomes easier as it is practiced." Ethel B.

  • "Thanks for helping me to understand the Money Merge Account concept and for walking me through to get started on knocking our interest and 1st mortgage down quickly."Archie & Carol S.

  • "Everything sounds good. I am just anxious to see results." Elida L.

  • "I want to give you a testimonial. After going through the UFirst introduction and analysis, and before purchasing the software, I looked up and evaluated Harj Gill's program and software. The cost was $200 and it seemed the savings would help us meet our mortgage debt goals much quicker. Not to mention the concept originated from Harj himself. The decision seemed very easy to make on the surface. After further investigation, it seemed there was no one to speak directly to with any questions before purchase, and if you wanted any live support after purchasing the product it would cost $600 for a limit of three months. There were other add-on costs and only local user-group meetings in which to share ideas. Where was the support to be found by professional people who understood the system and software inside and out? Where were the salespeople to answer any questions about their product for us to compare and make a decision? So.. after all was compared, we wanted to go with UFirst because of the knowledgeable support from our local agent and to get the hand held support we have just received from our Coach (Adam, in Utah). We also know we can call on your great support team at any time in the future when we have a question or problem. Our money has been well spent because you are there to help us reach our goals whenever needed." Rebecca P.

  • "Being in debt can make a person depressed. It happened to me, but with the Money Merge Account program I can see our way out. It's been a special blessing being introduced to this service and I would recommend everyone taking a look at it." Michelle & Damon C.

  • "The professionalism and courtesy is insurmountable. Thank you." Gene M.

  • "Thanks for the convenience in using this program. Your representatives are very helpful every time with every question. Thanks again." Steve & Hollie W.

  • "Excellent coach!" Dennis M.

  • "Our coach trainer, Shaun P., did an excellent job in walking us through the program. We have received more personal confidence in the program after working with him. It has given us HOPE in our financial crisis. We are excited about our financial future. This program gives us more than light at the end of the tunnel." Frank S.

  • "The training documents were clear and explained very well what we will be doing to implement the Money Merge Account program. I like that the documentation is available online so I can refresh my memory if necessary, and not have to call anyone (even though they may be available). So far, so good!" Nancy & Randy W.

  • "Tori S. was so very professional in coaching me. If, in the future, I encounter any problems, she told to me call her back again and that she will always be ready to help solve any problem." Francisco G.

  • "Thanks for the outstanding training! We are looking forward to using our Money Merge Account program." James & Jennifer J.

  • "Excellent product." Marcus & Cheryl S.

  • "The software program is very user friendly. Our house will be paid off (conservatively) in 7 years. We are excited to tell others about this enabling software, and hope that UFirst won't sell out to some large organization. We showed this to our financial advisor and he was amazed at the achievable savings. Thank you to the UFirst team for radically affecting our financial future." Gabriel A.

  • "Three people from your office called me today to help me. I was very impressed with the service. Thanks for your help. This is going to be fun!" Nancy R.

  • "We personally found that our coach is very knowledgeable and excited about the SYSTEM!!! We are very excited also that this opportunity has come to us at a very (how should I say this?) ... at a time when we are ready and desiring something NEW!!! To HELP us and others to SAVE, BIG TIME!!! Our coaches, Ted and Toby S., are AWESOME!!! They are very learned in what they are doing; they have exceeded our expectations and passed onto us their excitement!! We haven't even begun to see the results yet, but we know that they ARE coming and WOW!!! Thank you." Patricia & Chip R.

  • "Thanks so much to Pamela G. Her professionalism was outstanding." Clifford O. M.

  • "Excellent program and benefits." Edward & Emelda A.

  • "Excellent product! Wish it were available forty years ago (I could have saved a ton of money). In learning and understanding this product, it has created a new outlook for the way I'll manage my financial future! Thank you, UFIRST!!!" George & Ethel H.

  • "I started the program in May 08 --- I am still learning the fine points in managing the program, but Patrick at the Utah office has been so helpful in helping me with my monthly reconciliations and explaining how the program works. He has always been patient with my many questions every month and he is a great asset to your company. The webinars have also been very useful in learning the program. I watched 3 webinars before I finally felt that I had a grasp on things, and the instructors were also very helpful in answering my online questions. I'm very excited on how this program is helping me to pay off the debt on my home so soon. I am looking forward to version 4 of the software and seeing how that version will help in paying off my other debts in a more proficient manner. Thank you for this program and helping me achieve financial freedom." Norma P.

  • "My trainer, Travis G., is excellent, very patient and capable of explaining the system." Frank D.

  • "Thanks soooooooo much for the professional fast response for my problems." Randy C. Natalia M.

  • "Excellent Program!" Joseph S.

  • "Today, 2-12-09, I spoke with Megan G., and she was terrific. She updated my account in lightning speed. She is very, very good. As a client for 2 years, I must say this program is working outstandingly. When I signed up, I owed 26.2 years on my home. After giving you all my information, the program showed I will pay off my mortgage in 9.7 years. Wow! I thought that is great, especially considering I would be 93 years old when my mortgage would be paid off (2003 to 2033). Now, here is the real kicker: today, 2-12-09, I signed up for a rate lock-in program at my bank and locked in an interest rate of 4% for 84 months without any cost to me. Now it looks like I will have my mortgage paid off in 2.75 years from today. The way I figure it out, is my mortgage will be paid off in October, 2011. That is a savings in time of 22 years, plus a lot of interest savings. Does the Money Merge Account program work? Figures do not lie. I am as happy and satisfied as possible. Thank you, United First Financial, for this outstanding program." Gerald S.

  • "This is a great program that helps to clarify goals and manage finances." Phillip & Margaret O.

  • "Jared G. was wonderful. Thank you for the program. I will be doing my best to get the message out, to help secure our financial future." Susan S.

  • "The �coach� was very patient in answering questions and allowing time for me to understand the processes of the program and what the accomplishments can be from it. Appreciate that very much!" Wayne & Janie G.

  • "Excellent trainer." Rebecca S.

  • "Wow, I just sent off my first funds transfer of $3,545.15 to help pay off my mortgage! I would not have been able to do that at this time without the Money Merge Account program. Thank you, United First Financial!" Glenn & Joyce E.

  • "I have only started using the Money Merge Account system for a few days, but the training was easy to follow. It provided a very good overview, as well as step-by-step instructions. It also provided a few ideas that I had not considered when this was presented to me on ways to make the account more profitable outside of its primary goal." Ray & Angela Z.

  • "This is an excellent program and will no doubt help me to stay within my budget plan. Everyone I've talked with at United First Financial has been very professional, kind and very helpful. Thanks to all of you for everything that you do and for your excellent support. :)" Gayle J.

  • "Your representatives have been very helpful and knowledgeable. Thank you." Mark L.

  • "The program looks good. The training so far has been very helpful." Bill & Maria J.

  • "Your program was my only way to get this house paid for before I retire. Thanks for coming up with this program. It opens your eyes to what you really spend a month. If all goes as planned my home will be paid for in 6 years (not 24) and all my other debt will be gone too. Thank you again!" Howard M.

  • "United First Financial has been a Godsend. Once I was up and running, I organized myself further by registering for online banking to make transactions easier. I then signed up for automatic bill pay with most of my utilities by using a point-earning credit card, which I then just pay off at the end of the month, thus avoiding interest charges. Not only is United First Financial helping me to eliminate interest, but it motivated me to simplify my life." Rhonda F.

  • "Rudy S. was great! He was courteous, patient, thorough, and as a new user I appreciate that he was reassuring. I know I'll have questions and need additional assistance and I'm glad that I have a �go to� person who will be available to answer my questions along the way. Thank you." Jane W.

  • "Jonathan assured me throughout the training that I could email him as often as I needed to ask for help. He did a great job!" Nancy & Wayne C.

  • "GREAT JOB!!! Thanks." Jimmy G.

  • "I want to thank UFirst for giving us hope of one day having our house paid for. We are scheduled to pay our house in 11.4 years --- that's 18 years earlier than we expected. That's incredible! Thank you again for helping us reach our goals." Isaac & Shirley C.

  • "I love watching my debt decrease each week. This program really keeps me on track and allows me to plan for the future." Richard & Sandra C.

  • "I have a much better understanding of my Money Merge Account program software after the coaching help from Jessica. I truly appreciate her patience as I tried to grasp a better understanding of the program. Again, thank you Jessica." Gerald E.

  • "My coach was very professional." Mike & Cee Cee P.

  • "Great job. Thanks for the help." Marc & Emily P.

  • "We were initially projected to payoff in our analysis in more than 15 years. We got the software and put in our info and were on schedule to payoff in just 13 years. Now, after having used the software for only 3 months, we are scheduled to payoff in just 11.833 years. This is due to the �dashboard� focusing our intentions to move us toward our goal of being debt free." James & Jessica D.

  • "It just makes it so easy!" Richard H.

  • "I had some questions regarding operating my Money Merge Account program for the first time. I called Customer Support and spoke with Michael S., who proceeded to answer all my questions in the most cheerful and courteous manner. My first impression ... and I'm impressed! Thank you." Gina & Matthew B.

  • "Our coach was very patient and well trained. She is willing to review our progress in a couple of months, which we find very helpful. Thank you." Doug & Jeanne D.

  • "Great program and service overall! Thanks." Lisa S.

  • "This is brilliant, to say the least. I wish I knew about this software much sooner. My husband and I are able to rest much easier knowing our house will be paid for in MORE than half the time of the life of our mortgage (8 years instead of 25 MORE years!). This is incredible." James & Mary A.

  • "The system works if you work the system. It takes discipline and holds me accountable to myself. It is a comforting feeling knowing I am paying down my debt much faster than I would have before and I have a buffer in my line of credit when 'life' (unexpected expenses) happens. Everyone who has a mortgage and wants to take control of their financial life should know about this simple concept!" Rick H.

  • "My coach today was Caleb C., and he was very easy to understand, friendly and professional." Ginny W.

  • "The care and enthusiasm was very good. Everyone I was in contact with was courteous and showed a willingness to help." Joyce & Randolph S.

  • "Great program." Mike & Geralyn F.

  • "Being a single mother of two children, I have weight off my shoulders that I went from 26 years to pay off my mortgage to 6 years. I'm thankful for my friend that introduced this software program to me (Jack K.). I believe so much in UFirst, I'm going to help other people." Janell B.

  • "Along with the simplicity and ease of use of the Money Merge Account program, I have to say that the help support was top-notch. The online training got me going in the right direction and the questions I had about the software were answered by the customer support line quickly and efficiently. I'm a satisfied customer." Robbie & Janet M.

  • "This was a very user-friendly experience; the training coach was very knowledgeable and polite. She was also very patient and answered all of our questions. Mary was able to address several of our questions that were out of the norm --- very impressive. This training session experience will be extremely useful for clients, as well as our colleagues and us." Glen & Margaret Z.

  • "The coach was very professional and courteous. He was also very patient with my questions. I have confidence that I can use the software efficiently." Lucy A.

  • "Great Program." Ella Jean M.