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FIB - Scams 101
Re: It WORKS!!
Posted By: Sue Copening In Response To: Re: ZERO complaints in the Better Business Bureau!!! (Jim G)
Date: Saturday, November 24, 2007, at 10:13 a.m.(pst)
>> Golly, why so vitriolic? Who said it doesn’t work? The point is - it’s not necessary.
>> With that piece of paper mentioned earlier, one needs only to make extra principle payments each month.
>> This gets the job done without the needless expenditure of $3,500 for un-needed software. And without a home equity line of credit, which even Mr or Ms Banker would be hard-pressed to deny is a most expensive loan.
RESPONSE:
The above statement is incorrect on SO many levels.
First... It IS necessary... if you want the MOST SAVINGS POSSIBLE. If you are happy with LESS savings... then, yes, you would be correct. The advance TIMING of the transfers (heloc IS necessary for this), is what gets the Money Merge account to ALWAYS BEAT what you could do with your discretionary income alone. Can you get MOST of the savings on your own? Sure ...if you were disciplined enough. But you could ALWAYS do that. Are you? The extra edge the software gets you more than pays for the cost of the software. Then you simply have a free tool to make this easy and keep you on track.
Second... HELOCS ...when treated PROPERLY, are CHEAP.... not expensive. When you cash-flow through a HELOC with your income you will achieve a LOWER effective interest rate on the HELOC than on your mortage. United First Financial was audited by the State of Utah. We found out 3 things in that audit...
1. - The EFFECTIVE interest rates achieved by our clients on their HELOCS were a little over 3%. The yearly stated rates were 8-10%... but by cashflowing through them the interest cancellation effect dropped that to the 3.11% (on average) level. Does it make sense to borrow money you are paying 3-4% for to get it into your mortgage that is 5.5-7%? I sure hope you say yes to that.
2. We also found out that the REAL software performs 20% better than the Analysis software... which is no different that the EXCEL spreadsheets that the detractors like to compare this to. The real software is not a spreadsheet program. The Analysis software is.
3. We also found that over 95% of our clients log in monthly to use the software. This is the discipline factor (or more properly... the LACK-of-discipline factor) that kicks in with other programs and prevents most people from doing anything on their own. Less than 5% of people stick to a diet. SIMPLICITY and displine are huge factors for most people in following through. This program is EASY, takes less than 10 minutes per month, is guaranteed, and works... so people STICK to it.
I appreciate all the people that are looking into this, and even the people that are a bit skeptical (so was I until I did the math and proved to myself how this works) ... but PLEASE do not be scared off by these people that say bad things about this program. NONE of them are using the program, and not one, that I have read, has been able to express themselves without many inaccuracies and missinformation. I bet most of them are not even paying ahead on their mortgage themselves.
There are lots of people who like to portray themselves as experts on the internet... because they can hide behind fake names and identities. The can pretend to be anyone they want. I find it best to listen only to people who identify themselves. Also... keep in mind that many of the people who jump on the internet could (and are, I have found), people who work for companies that are COMPETITORS, or think they are competitors, of United First Financial. Some see this program as a threat to their business, so they think that smearing United First Financial is a good business strategy.
If you had cancer and two people offered you two different courses for treatment. One was a doctor and the other was the guy that owned the local funeral home. Which plan of action would you be most likely to follow?
CREDIBILITY... There is a Money Back Guarantee on this program and ZERO complaints in the Better Business Bureau. We have over 15,000 clients now and are increasing sales by over 30% EVERY month. In 2 of the last 6 months sales jumped by over 60%. This does NOT happen with products that do not work. Common sense should tell everyone that. We have accountants, cpa's, financial planners, attorneys and mathmeticians who have all bought this program and become clients. Our new CEO was formerly the youngest President that Allstate Insurance ever had - he was President of their Surety Life division. He was also the Chief Marketing Officer for ING FINANCIAL's broker division. If you are not aware... ING is one of the top 10 financial companies in the WORLD. You do not attract someone of that calibre to head a company that has a program that does not work or does not return value.
By the way... I am finished contributing to this board. It seems to be more a source of entertainment to people than a legitimate tool for accurate information. Plus... I am so busy I can barely keep up with the clients that want to get on this program and can waste no further time here. The intelligent people will look beyond this little blog and investigate, and think, for themselves. If that is YOU... I'll see you out in the real world... feel free to call or email me.
Here is wishing everyone a great, and debt-free, NEW YEAR!
Sue :)
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FIB - Scams 101 is maintained by Lesley Fountain with WebBBS 5.12.
| PLEASE READ THIS LEGAL NOTICE CAREFULLY BEFORE YOU FILE A LAWSUIT OR EVEN WASTE TIME THINKING ABOUT IT. It has been done before, but never successfully. In fact, the last dodobird who tried it ended up being ordered to pay more than $77,000 in attorney fees ($65,000+ to my attorneys and $12,000+ to my co-defendant's legal advisor).
If your attorney is worth his salt, he's going to tell you that the expense of filing a lawsuit you can't win is a whole lot worse than any "damages" resulting from messages posted on this insignificant little chunk of cyberspace. NEWS FLASH: I didn't just climb down off that ol' turnip truck yesterday. I'm well aware that expressing a negative opinion, relating one's personal experience, and restating provable facts are all legal in this country and do not constitute libel, slander, or defamation -- so you don't want to play games with me, and you sure don't want to start something you aren't prepared to finish. I don't take threats lightly, and I don't accept bribes (or did you call it a "mutually-beneficial arrangement"?). I'll turn you in faster than you can yell, "ARREST ME, I'M SCUM!!" Do yourself a favor and turn your legal team loose in greener pastures. Although we may, from time to time, monitor or review discussions, postings and the like on the Friends In Business (Scams 101) Message Board, we are under no obligation to do so. We are not responsible or liable for any claim arising from the content of any such discussions or postings or for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information contained within such locations on the Site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane materials or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You are likewise prohibited from posting any false claims against any company or individual. We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting any such information or materials. By posting messages and/or content on the Friends In Business (Scams 101) Message Board, you give permission for Lesley Fountain/Friends In Business/Shoestring Success Publications to display, distribute and use the posting and content for publication, advertising, promotion, excerption or example. You grant Lesley Fountain/Friends In Business/Shoestring Success Publications complete, perpetual, but non-exclusive rights to use, archive, reproduce, adapt, modify, distribute, sub-license, repurpose, rework, compile, or offer for sale or resale the messages, postings or content appearing on this site in whole or in part, throughout the world and universe, on a royalty-free basis without remuneration. If you cannot accept or agree with the terms of service for this website and discussion board, you are advised not to post on this board. In closing, I would like to remind you once again that it is still legal, in this great country of ours, to express a PERSONAL OPINION, as long as it is presented as opinion and not as fact. And finally, all you scammers out there will do well to remember that TRUTH IS AN ABSOLUTE DEFENSE against charges of libel, defamation, and slander... so if you're operating just a hop, skip, and jump ahead of the law, you might want to think twice before doing anything stupid... (AND SHAME ON YOU!!). |