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FIB - Scams 101
Re: NOT a scam... simply software that calculates math
Posted By: Michael J McMillan In Response To: NOT a scam... simply software that calculates math (Sue Copening)
Date: Thursday, October 25, 2007, at 7:04 p.m.(pst)
In Response To: NOT a scam... simply software that calculates math (Sue Copening)
I've read several of these posts, and there is one really serious problem. You're depending way too heavily on your software to be mistake-proof. It's better than human calculations!!!! Well, I've got some bad news for you. Humans formed all those algorithms, and as we all know by now humans make mistakes. It's bad enough when you have a relatively simple mistake balancing your checkbook. That's simple addition and subtraction, but finding and correcting the mistake can take a while. Now, you want me to believe that this software can't possibly have a mistake--- possibly a serious one-- buried somewhere in all that code???? Give me a break. Human beings coded it. I don't care if they ARE M.I.T. graduates, they're still human and still prone to the same mistakes the rest of us can make.
Every time I turn around, there's another story about a serious flaw in some piece of software. Microsoft is known for being only slightly less "buggy" than a mosquito-infested swamp. Adobe has had problems. Quicken has had problems. Even Apple's Macintosh occassionally has a flaw. Why else do you think they all have the constant parade of updates to fix problems, some of which are serious enough to turn your machine into a doorstop if not fixed?
>> Yes... but I said our program will do that even if they currently have
>> ZERO dollars of discretionary income in their budget. You are talking
>> about a bi-weekly mortgage which is really just sending in one extra
>> payment a year so they would have to HAVE that extra money available to
>> them to do that. If they have an extra payment on top of what our program
>> will free up for them... we can do even better.
Wait just a second... do you mean this program can make extra payments out of THIN AIR???? This, I've got to see. Also--- if the people involved don't have enough to kick in an extra payment now and then, then just where are they coming up with the money to pay for the software-- at thirty five hundred dollars a pop???? Also, if they have zero dollars of discretionary income then they're probably on the verge of foreclosure anyway. It's a known fact, proven too many times, that if you're that close to the edge on your finances, Murphy will move into the spare bedroom. He'll bring his cousins, Broke, Desperate and Stupid with him, too. No software can save you if you're living that close to the edge.
By now, you've probably figured out that I'm not exactly buying this. You're right, I'm not. There's no reason to. A halfway decent accountant can put together a reasonable plan for paying a home mortgage down earlier and he won't cost you thirty-five hundred for the planning either. For that matter, if you've got enough room in your budget you can probably figure an acceptable plan out for yourself, using software already on your computer (a calculator).
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