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FIB - Scams 101

Re: $3500 for software to pay extra on your mortgage?

Posted By: Sue Copening
Date: Monday, July 9, 2007, at 12:50 p.m.(pst)

In Response To: $3500 for software to pay extra on your mortgage? (Bill, the Roadie)

>> Color me skeptical.

>> Ummmm, no. I also don't understand why it has to be sold with so many
>> layers of parasites all wanting their cut of the sales price without doing
>> any work.

You are such a charmer! Let this parasite tell you all the work "I do not do" to earn over-rides... I answer the phone in the middle of dinner because one of my agents needs help. I spend an hour a day answering emails from agents who need my help. I spend 4-5 hours just training a new agent so they can be successful, I prepare and distribute sales materials to them so they don't have to, I do group presentations for them if they are scared of Public Speaking. Perhaps you have never been a business person... but a lot of work goes into helping your people be successful. If you had ever managed a team of people you would know that.

>> Sounds like a few hours (max) work with an Excel macro could
>> accomplish the same magic. I might be wrong. Convince me. Or not, it's
>> really nothing I'd be interested in.

Then why did you waste your time here? "Sounds like" it is not the same thing as actually doing it. And if you actually took the time to learn about this rather than making a snap judgement... you would realize that. If you can do this with EXCEL... please explain how you would do it... what IS your plan to be debt free currently?

>> By having them pay extra into the mortgage? Then they really didn't
>> spend every penny they make and somebody's fibbing.

NOPE... it is in the math... but you are not interested anyway... so I will not waste time explaining it. However I can... to anyone that cares to email me.

Sue@u1stFinancial4u.com

Believe me... we have had 10,000 people, including CPA's, PhD's, Attorneys and Financial Planners pay $3500 for the program... if they could do it with EXCEL - I am sure they would have. Many were just as skeptical (and even derisive) as you are at first. They did their research though (some with an OPEN mind - they work better that way) and they were convinced.

>> And this accuracy is worth $3500? Hmphh.

Of course... simple math... it is called ROI... Return on Investment.

>> I see. The pitch is to price the product according to long-term
>> savings potential, even though almost NO mortgages ever last their full
>> term. People sell, refinance, divorce at a FAR higher rate than they let
>> the mortgage go to full term. So your saving potential is lowered by this
>> effect, but you don't tell your prospects about that, do you?

Of COURSE we do tell them that. In fact we give them a detailed Analysis that shows exactly what their savings is EVERY YEAR... and a money back guarantee to go with it. They can even buy their next house in 2-3 years now... since they build the same equity it normally would take them 5-7 years to build otherwise. THEN they take this program that we "parasites" sold them... and at NO EXTRA CHARGE get to use it on their next 4 houses as well. Oh... and life time tech support is free.

Example... One client would have had $7923 in principle pay down with their current $200,000 mortgage in THREE years.

With our program they had $23,492 in principle pay down in that same 3 years. This was also a client that had $0 discretionary dollars in their budget.

>> Yeah, all this pitched to folks who spend every penny they make? Sure.

Of COURSE not. That was simply an example for those folks that seem to know it all and think this is SO easy to do themselves (but for some reason are not). Most of our buyers DO have discretionary income... but a side-by-side comparison of Analysis both ways shows them best, and worst case, scenarios.

Also... Please show me how you would use an EXCEL spreadsheet and take someone who currently has $0 discretionary dollars in their budget and knock 6-11 years of their 30 year mortgage. If you know how to do that... why have you not designed a program like this... then you could REALLY be helping people instead of hanging out on blogs just so you can have fun poking the bear.

>> If it's so great - why can't it be sold on a shelf next to other
>> software at a reasonable price? Surely it wasn't 1% as difficult to
>> develop as Word or Excel, or something that costs $500. Nah, it's marked
>> up to the stratophere to pay for the greedy parasites.

Your opinion is your opinion... however this program is not like selling tennis balls... yellow or white. It requires education to get people to understand it. Otherwise the less open-minded will pre-judge and not recognize one of the best opportunities they have ever seen to build wealth.

Another reason it is not on-the-shelf software is because it is an online program. This way when an upgrade to the program is made... it is easy to just give it to everyone for free. If it was loaded onto your hard-drive there would be a distribution cost so there go the free upgrades.

>> Well, super. But it's still overpriced.

Perhaps you think so... in that case it is not worth it to YOU. Other people have different values when it comes to their families security.

Cost is never just cost. It is return on investment. Also... do you REALLY think you pay less for other software? If so... then the computer/software industry has really pulled the wool over your eyes. Their software costs just as much...they just charge it to you a few hundred dollars at a time... calling it UPGRADES. I spent $4500 for my last MAC with all the software.

Our software is a life-time license... no cost for upgrades. For most people it costs from $25 to as little as $3-$5 a month to use this program (depending on the number of homes you use it on). Tell me you do not spend that much each month on something frivolous ... your Blockbuster movie pass, or that case of BUD... and they are not going to put your kids through college nor help you retire 10 years earlier.

But... we all have our own value system of what is important to us.

>> Naturally.

>> A professional financial planner, presented with a client who was
>> "spending every penny they made", who would sell them a product
>> for $3500 to let them pay extra on their mortgage every month in hopes of
>> a long-term payoff that might never come, should lose their license. Just
>> my opinion.

Might never come... what in the world do you mean? We do a detailed financial analysis as part of the screening process... the money back guarantee is tied to that analysis... we have sold 10,000 of these over THREE years with ZERO complaints in the Better Business Bureau. There is no question this works, otherwise one of the largest banks in the country would not have offered our company millions of dollars to privately license the software.

And I hope that a Financial Planner that has a client that needs to reign in their spending DOES have them buy our program... or SOME program that can help them get control. Our TRUE COST feature in our program shows you exactly what each expenditure you make means in terms of your budget. So... when you are thinking about buying that new $300 BBQ grill... you can decide if you really want it when you find out it is really costing you over $1500.

The State of Utah audited our company a few months ago and they discovered 3 things.

1) 98% of our clients were logging in monthly to use their software... the discipline factor was there... they were staying on track. Some clients have been on the program for 3 years.

2) Our clients were getting between 15-25% BETTER savings than was initially projected by their Analysis. Partly because the True Cost feature helps you spend your money more wisely. Partly because our Analysis software is not as sophisticated as the REAL software and does not calculate the value of their stagnant money or interest cancellation factor as well as the real software does.

3) That the HELOCS our clients use to do this program... even though they had yearly interest rates of between 8% and 10%... the EFFECTIVE interest rate our clients were getting was a little over 3% on average. Does it make sense to borrow money at 3% to pay off at 6%?

>> The planner might buy the product, and if it only takes ten minutes a
>> month to use, should USE IT FOR THE CLIENT as part of their services. They
>> could use it for 100 clients a month, like the financial planner would
>> also use Word or Excel. There's no earthly reason why they should burden
>> EACH of their clients with this sort of expense, except for pure greed.

Except that each software is SPECIFIC for each homeowner and retains their numbers, in memory, over all the years it will take them to pay off their home, or homes. United First Financial is currently the ONLY company that has this algorithm driven software... so that Financial Planner would have to lay out $3500 for each client AND give away his time EVERY MONTH... 10 minutes per client x 100 clients is 16 hours of free labor every month... and that does not include communicating the results to the client, collecting their numbers from them, etc.

Nice idea... not too realistic.

Bottom line... One of the TOP 5 Banks in the country is announcing next month that they are endorsing this program and branding an equity line for us.

Our new CEO is an ex-executive with ING

Guaranteed results... money back guarantee... 10,000 clients... NO complaints in the Better Business Bureau... no out-of-pocket cost to get started... AND... best of all... NO CHANGE to your current budget or lifestyle.

Want me to run your numbers so you can see what your results would be? Does not cost a dime and we do not need your personal information... not even your real name or address.

Cheers...
Here is to getting American debt free!

Sue :)

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