TotalHealthFx

TotalHealthFx for Prevention & Remedy

Joe Fox, Licensed Massage Therapist

Kathi Fox, Naturopathic Practitioner

951-677-8822/800-557-6821

TotalHealthFx.com

Introduction

TotalWealthFx, affiliated with Sobak Debt Settlement,  is now offering Credit Card Debt Negotiation and Settlement in order to help consumers undergoing true financial hardship to lower their monthly payments.  In these economic times almost everyone knows someone experiencing financial hardship.  We have affiliated with an attorney-based  debt settlement company to provide a solution for credit card debt management  all done safely, legally and successfully.

Key Features of the Debt Settlement Program

• 100% guarantee of a minimum 50%  reduction in unsecured debt balance
• Attorney -based professionals with decades of experience in debt settlement help
• No up-front Fees
• Free prequalification

Experienced Professional Affiliation that Works for You

• The most recent calendar year our attorney-backed affiliate settled over 3000 accounts, totaling over $15 Million in debt
• Over 25 years in Debt Collection and Debt Negotiation & Settlement
• Vast knowledge of judgment enforcement techniques including levies, wage garnishment, property liens and other measures
• Insider’s knowledge of creditor and collector tactics and applicable state laws that regulate the debt collection industry
• Post- Debt Settlement Credit Repair Management, Loan Audit  & Modification, Accelerated Mortgage Equity & Debt Elimination

Process & Purpose

• Our Purpose is to help people who are overwhelmed with Credit Card and other other Debt and can no longer keep up.  We strive to set a good example in the industry by only servicing clients that truly are experiencing a  serious hardship; clients that do not have a true hardship and can actually pay their creditors are not eligible for the Debt Settlement Program
• Debt Negotiation and Settlement is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full
• Our Attorney-backed Debt Settlement Company negotiates on the borrower’s behalf with creditors to reduce the overall debts for an agreement with regular payments to be made
• Total Debt Minimum: $10,000
• Minimum Debt Amount per Creditor: $350
• Minimum  of 3 Creditor Accounts
• Debt Settlement Payoff: 18 – 48 months
• Minimum Monthly Payment for Overall Debt: $250
• First Payment: within 7 – 21 days
• Free Prequalification

Types of Debts Eligible for Debt Negotiation & Settlement

• Unsecured credit cards
• Repossession Balances
• Past due utilities
• Attorney fees
• Self-employed vendors
• Hospital, Medical or Veterinary bills
• Balances from previous rental or broken lease agreements
• Credit Union personal loans

Debt Settlement vs. Bankruptcy

• If a client is considering bankruptcy instead of a Debt Settlement Program, the client must understand the advantages and disadvantages of their decision.  If bankruptcy is the last remaining option fro the client, they should see legal counsel from a bankruptcy attorney.  the following is intended to be an overview on the most common types of bankruptcy and is not intended to be legal advice:
• Chapter 7:  “No Asset Bankruptcy” – Client does not have to pay any portion of their debt.  Client must obtain Consumer Credit Counseling to provide alternatives to filing bankruptcy; client must pass a “means test” to ascertain whether the client’s disposable income qualifies them for chapter 7 or chapter 13; possibility of upfront fees prior to processing bankruptcy; bankruptcy will remain on credit report for 10 years.
• Chapter 13:  “Repayment Plan Bankruptcy – Client must repay a portion of their debts.  The Court will analyze your income and expenses and set client up on a repayment plan with their creditors, typically 3 – 5 years; the Court monitors and administers your payment plan
• Debt Settlement Program  – no upfront fees, does not appear on credit report for 10 years, available credit repair, free prequalification, not Court monitored, legal, safe, successful
  

Helping People  Overwhelmed with Credit Card & other Debt

Debt Settlement Orientation: please click on Video , then enter username & password as shown

Get your Free Debt Settlement Pre-Qualification Now

Happy to answer any questions you may have!

Ask for Joe Fox, Your Account Executive

800-557-6821  Office

951-255-6317   Cell

info@totalwealthfx.com

Behind on your Mortgage,

facing Foreclosure?

If  you are having financial hardship,  Loan Forensics is a Mortgage Rescue Plan and can help you get  Lower  Monthly Payments on your Mortgage!

WHO WE ARE:

Sobak Loan Forensics is the Mortgage Restructuring firm everyone’s talking about! We’re Attorney-based, Nationwide and best of all… we’re 98% successful!

WHAT WE DO:

We perform Loan Analyses and negotiate modifications to your Existing Mortgage resulting in a lower Interest Rate and Monthly Payment. This is called a Loan Modification – and we’re one of few firms doing it legally, correctly and successfully!

WHY IS IT BETTER THAN A REFI?

A Refi has the same requirements as a new Loan, but a Loan Modification has NO CREDIT CHECK OR APPRAISAL because the Note already exists!

HOW YOU WIN! [Typical results]:

• Fixed Rate between 3 and 4%

• Reduction of $500 – $1000 or more in Monthly Payment.

• You don’t make Mortgage Payments for 4-6 months.

• Late Fees/Penalties rolled into remaining balance.

• During negotiations, your Lender cannot Foreclose!

For immediate, live contact – Call Now!!

Ask for Joe Fox, Your Account Executive

800-557-6821  Office

951-255-6317   Cell

loanforensics@totalwealthfx.com

United First Financial

The Money Merge Account® by United First Financial® is a customized online program that shows step-by-step ways to pay off debt, such as mortgage acceleration, credit card debt relief, and eliminate consumer debt.  Typically, the Money Merge Account program will help its clients eliminate debt in 1/3 – 1/2 the time as normal, with thousands of dollars of high interest savings.  Money Merge Account Pro is for homeowners with one or more mortgages;  Money Merge Account Express is for households with non-mortgage debt: personal-, auto-, student- loans and credit card debt.   A free, no-obligation Money Merge Analysis, specifying the years of time and high interest savings for each individual client, is available upon request.   This video shows  how the Money Merge Account works.

Money Merge Account Overview Presentation

Money Merge Account

The Money Merge Account Software is designed with ease of use in mind. With nearly a decade of research and development, the Money Merge Account and its unique algorithms are proven to work.  The Money Merge Account Analysis enters the client’s financial details into the Money Merge Account Software.  All the client does is enter upcoming income and expenses, the Money Merge Account Software gives the client upcoming payoff information.  This next video shows the performance and functioning of the Money Merge Account Software in action.

Money Merge Account Software Demonstration

UFirst Agent

The Money Merge Account by United First Financial is available from its Certified Independent Agents.  With so many households throughout the US and western Canada concerned with consumer debt, UFirst (TM) is looking for qualified individuals to expand marketing  the Money Merge Account.  Whether you are a financial or sales professional or want to start a small- or home-based business, there is unlimited growth potential and generous compensation for offering such a valuable and rewarding service.  Complete training and a certification is available from your sponsoring UFirst Agent, and online and live seminars nationwide.  This next video introduces the UFirst Agent Opportunity.

UFirst Agent Compensation

Thank you for taking the time to look at the Money Merge Account by United First Financial.  To further explore the value of the Money Merge Account as a debt solution, request a free Money Merge Account Analysis, or contact us to answer any questions or to setup a personal phone/web conference .   Feel free to request further information about the UFirst Agent Opportunity, or register as a UFirst Agent.

Visit UFirst TV for further video presentations

Joe Fox, 800-557-6821, (info@totalwealthfx.com) UFirst Certified Independent Agent, Director, Team Sales

The new BizPack announced by United First Financial is a professional productivity pack that includes proven innovations to save time, increase efficiency, increase your direct sales and broaden your marketshare beyond your local area and warm market.  Here are the technologies and services BizPack employs:

* video prospecting/delivery/tracking system, let’s you know when your prospect watches your videos
* contact management, how to organize for easy lead follow-up
* internet marketing strategies, how to advertise on the web inexpensively

* auto-responder, email drip campaigns, email newsletters

* professional development, including Success Magazine subscription with UFirst cd/dvd

* Go-To-Meeting, the premiere web-conferencing system 
* UDeduct tax deduction finder program, advises and alerts you when you’re expense is a deduction

This all-in-one package is designed to help you market your business, whether it is a work from home business or small business.  The BizPack can be added to enhance any product or service you are currently selling.  By becoming a re-seller, you can add to or build a new organizational team, or profit by retail sale. Free pre-launch registration waives setup and enrollment fees.   BizPack is an economical way to grow and organize your business and sells for less than half  the total retail price than these accumulated services would sell for if purchased  individually.

United First Financial (UFirst) has been creating financial software technology for direct sale for nearly a decade, honored in 2008 by Ernst & Young as Entrepreneuer of the Year Utah Region, Financial Services.  Their flagship product, the Money Merge Account System of software and financial coaching is hugely successful in helping people accelerate the payoff  of mortgage and all other debt in a fraction of the time.  UFirst’s large corps of Certified Agents have helped develop and field-test the basic technologies of the BizPack for the the last year.  The BizPack has become central to the marketing, recruiting and training, communication, client services and contact management, and professional development of the UFirst team.  BizPack users outside of  UFirst will certainly appreciate what this ensemble of  services and technology can do for any kind of business or sales organization.

Wholistic health also infers natural health. We bring elements of the environment into our bodies that either maintain, improve, or deplete our health; elements such as the air, water, food, natural remedies, medications, skin products, kitchen and laundry and garden products. We need to be careful of chemicals in the environment affecting our health, such as air and water quality. We also need to be careful of chemicals that  manufacturers put in our food products,  on our foods or soil as they grow, and in the natural remedies or medications we take to revive our health when we are taken ill. The use of chemicals in and around our homes also affect our health.  In the practice of wholistic and natural health, I believe an easy simple whole foods diet, vegetarian nutrition,  and plant-based natural remedies and household cleaning products are the most natural and safe for the whole body.  So we see that nutrition from whole foods and remedies, and skincare, and household products from natural sources are important elements in wholistic total health in our everyday lives.

In a wholistic total health lifestyle, therapeutic massage, therapeutic exercise, and detox cleansing  are vital components.  Our bodies continuously deal with the elimination of wastes from digestion, the chemistry in our home and outdoor environment.  Stress and tension leave their mark in our minds but certainly affect the body. Overuse, overwork, or injury of the body from work, play and exercise not only affect the comfort level and energy flow of the body but also may add to the reserve of wastes we carry in the body systems.  These wastes transit and may even remain in various body systems, not only in the digestive-elimination system, lungs, liver, kidneys, lymphatic system, hair and skin, but also in the muscles and connective tissues. The physical working of the body by way of therapeutic massage, therapeutic exercise and detox cleansing affects our comfort, energy, flexibility, and total health.

In our long experience of working with clients, I have seen that what is most wanted is a “magic pill” as a one-stop does it all remedy.  If life were only that easy.  What truly does work is a singular wholistic healthy lifestyle as your total health program.  This would consist of:

> eating  and drinking  foods and beverages from a easy simple whole foods diet,
> using plant-derived natural supplements for basic maintenance augmented with customized natural supplements and detox cleansing for your particular needs

> keeping a cautious watch over the chemicals in your life with:

natural cleansers for body and home,
organic gardening and landscaping,
always drink purified water and natural beverages and juices,
air purifiers if you’re not in the countryside.

> Get regularly-scheduled therapeutic massage weekly or at least monthly and learn self-pressure points and therapeutic exercise to do regularly to get the pain and sludge out of your body.

The best prevention of illness or feeling less than optimal is actively living a healthy lifestyle and natural remedy program of the above elements.  As you can combine these natural health remedies in your lifestyle will  create a synergistic effect of greater healthfulness and longevity for you.

An online dictionary describes the origins of the term, debt, from the 13th century English, French and Latin: “to owe on what you have.” Debt is defined as: “1 : sin , trespass 2 : something owed : obligation <unable to pay off his debts> 3 : a state of owing <deeply in debt> 4 : the common-law action for the recovery of money held to be due”

My on-going search of the dictionary describes the origins of the term, interest, from the 15th century, some 200 years later, also from English, French and Latin: “to be between, make a difference, concern” <inter>, to be or “is” <esse>; the two words together would have been “interesse.” Interest is thus defined as: “1 (a) :right, title, or legal share in something (b): participation in advantage and responsibility 2 (a): a charge for borrowed money generally a percentage of the amount borrowed (b): the profit in goods or money that is made on invested capital (c): an excess above what is due or expected”

An online encyclopedia describes this history. “In the Middle Ages the … Church attempted to enforce certain moral commands adverse to commercial transactions. The taking of interest for loans of money was considered income without true work and therefore sinful and prohibited. There was also an attempt to generalize the idea of a just price [and] influenced the law and the economy…In Old English law, the taking of any compensation whatsoever was termed usury. With the expansion of trade in the 13th century, however, the demand for credit increased, necessitating a modification in the definition of the term. Usury then was applied to exorbitant or unconscionable interest rates. in modern law, the practice of charging an illegal rate of interest for the loan of money.”

So what seems to have been going on in the Middle ages, still goes on today: people, businesses, and nations wanted or needed to buy stuff that they were not able to pay for at the moment, originally considered a “sin or a trespass” by church standards. Becoming commonplace, the need for borrowing created common law actions for lenders to recover the money lent. Over the following 200 year period, the development of the practice of charging interest resulted. This too was considered sinful by church standards as “income without true work.” So it was sinful to borrow and it was sinful to charge interest on the loan to the borrowers. In olde England, the taking of any compensation whatsoever was originally described as usury and “considered excessive and unconscioanable”. But also by common practice and the growing familiarity of both village- and overseas trade, allowed for modification of everyday interest to be acceptable and usury to be reserved for excessive circumstances; the latter may or not be illegal at this time.

So here we are today as consumers with loans, mortgages on our homes, consumer debt on vehicles, education, medical, luxuries and expensive toys, and credit cards to pay for our most common needs. And the interest on it all. The true cost, one could hardly figure on their own. The Money Merge Account is a program that consumers can use to determine the true cost of their total debt and individual credit purchases, and offers loan and mortgage acceleration and credit card debt relief in a much faster way. Consumer loans and credit cards charge a simple form of interest with a proportionate mode of repayment. With mortgage interest it is more complex. For example, the interest cost of a typical mortgage today is roughly one and a half times the amount borrowed; a $100,000 loan has about $150,000 interest over a 30 year term – the true cost then would be $250,000. The Money Merge Account may help a homeowner potentially save tens of thousand of dollars in the size of this loan. In the manner that mortgages are amortized it takes about 21 years of the 30 year term to pay off half the debt. Equally astounding: in that same period two-thirds of the total interest is paid off. But most people don’t live in their homes or have the same loan for 21 or 30 years; they refinance in 5-7 years, or they relocate to a new home, so they pay mostly interest and just a bit of principal in that time. A financial analysis can help us determine if refinancing will save us more compared to a mortgage accelerated debt payoff system using the Money Merge Account.

A free financial analysis is offered to demonstrate the true cost of one’s total debt, how fast the Money Merge Account can help in paying all debt off, and how much interest can be saved. Typically, total debt can be paid off in 1/3 – 1/2 the time, with proven interest savings of tens- or hundreds of thousands of dollars in qualified cases and will vary by individual circumstances.

In the area of health, I stumbled onto some new college friends, in the early to mid ’70’s, who were vegetarian. It was one of those WOW moments. Prior to that, the only alternative lifestyle for me was the high school and college counter-culture of the late ’60’s and early ’70’s. IBecoming a vegetarian was completely fascinating to me: it was good for me, good for the environment, good for the soul. A few years later I sought to broaden my knowledge and attended a wholistic health school, incorporating skills of therapeutic bodywork & exercise, using various vegetarian whole-food diets, select use of herbs, other supplements and treatments for maintaining health and cleansing the body inside and out, and mind-body integration – how our thoughts, emotions and attitudes create a specific level of health in the body. This added to the WOW – I discovered how this could be good for other people too and that I could help them. For nearly a decade, my beautiful new vegetarian wife Kathi and I, worked at the wholistic health school which evolved into a series of vegetarian health resorts and wholistic health personal and professional training centers. We went on later to create our own business, TotalHealthFx, and for the last 20 years, we have taught and treated individuals and families about their health. To help our clients overcome stress, pain, illness, or to simply teach them healthy lifestyle habits remains a true joy.

In the area of finance, my wife and I never found money too exciting a subject; usually accompanied with some degree of stress relating to having enough money to keep our lives in balance. Financial progress only seemed to be a dream and it seemed like life would have gone in that way indefinitely. Then a couple years ago, a long-time friend told us about a program they were using to pay off their mortgage and other debts in a fraction of the time. I was told it was called the Money Merge Account offered by United First Financial, and that with the thorough analysis of our financial situation, we were told that our total debts, mortgage and all, would be paid off in just over 8 years, saving 17 years of payments and (not to divulge too much personal info) a couple hundred thousand dollars of interest would be saved- WOW. Talk about alternatives, and wholistic perspectives, this was very exciting to both of us! After some due diligence, we signed up for the Money Merge Account program, love using it, and, just like us, had the desire to share it with others. We discovered United First Financial has an income opportunity training homeowners, consumers and financial professionals to become certified, independent agents of the Money Merge Account program. We signed on and have helped many individuals and families how to use the Money Merge Account to reduce interest payments, become debt free and create wealth much earlier in life. It is so rewarding to see the light in the eyes and faces of our new clients when they see what they can save. Many of our clients have also wanted to help people they know and we continue to train new agents. We have advanced through several promotional ranks and are working diligently to become Branch Managers in United First Financial. We look forward as we expand in the areas of rapid credit rescoring, equity harvesting, and annuity wealth-building. This has only happened because this company and program took such an overview of changing people’s lives, gratefully ours in particular, and presented such an out-of-the-ordinary alternative in financial matters.

It may seem odd to have created a career of what might appear to be of divergent interests. But are they so different? I am learning to take my values, ideals and interests to help people in very basic areas of life in very life-changing ways. This blog will have various articles on TotalHealthFx and TotalWealthfx; I welcome your comments, ideas , and suggestions of what you’d like to read about and look forward to sharing with you.