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FIB - Scams 101
Re: United First Financial - Dave Ramsey Says NO!
Posted By: Mel. White In Response To: Re: United First Financial - Dave Ramsey Says NO! (James)
Date: Monday, March 10, 2008, at 8:15 a.m.(pst)
In Response To: Re: United First Financial - Dave Ramsey Says NO! (James)
>> If you need a new roof put on your house, are you going to put it on?
No, most of us shop for the services. We don't accept just any one service -- we comparison shop and evaluate on many things. If I can get the same service and the same quality roofing tiles and the job done in the same time and with the same guarantee for $10,000 then it would not be a good deal for me to pay $30,000 for the same roof and the same workmanship.
If YOU want to pay $30,000 for a roof that I'm only paying $10,000 for, then go ahead. But if someone asks my opinion, I will tell them to go with the less expensive roofing company.
>> program my second question is- Do you doubt the UFF software works?
Nope. But there are programs that do the same thing for less.
>> This just might have a small impact on the
>> horrible housing sector we have been seeing too much lately.
A negative one, I'm afraid. People are losing their houses because they can't make the mortgage payments. They don't have $3,500 to put into software to tell them advice that their bank will give them for free.
>> of you that have so much hate towards this product, OBVIOUSLY have an
>> alterior motive to your criticism.
Yes. We prefer to not spend wads of money on something when we can get it for 1/10th the price. A good financial planner (who would give the same advice plus a lot more) only costs around $500.
>> We don't
>> need to waste our time arguing with you! We are busy helping people get to
>> that American Dream of owning a home.
Aha. There's the motive. You're another one involved in selling this and you're more eager for people to give you $3500 than to pay $500 for financial planning advice (which would include advice on paying down bills and mortgages.)
>> Will you have enough discipline for the next
>> say... 10 years, and I mean ALL TEN YEARS to follow whatever kind of
>> routine you make for yourself? Will you stick with your plan everyday for
>> the next 10 years on your own with nothing but a pen and paper, a
>> calculator and/or a "spreadsheet".
Most folks can. They are successful in creating regular habits such as paying the bills on time and taking meds each morning and so on and so forth. Perhaps you need a $3500 program for mortgages and another expensive program to tell you when to pay the bills and yet another expensive program to tell you when to go to work... but most folks need that.
Everybody's different. If you loved paying $3500 (or did you?) for your program and you think you're saving a lot of money and you don't have the discipline to go to the bank and set things up, and paying $3500 gave you a piece of software that overcame your schedule problems and you're happy with it -- great!
It's particularly nice that you had the $3500 to pay for the program. Many of the people who post here couldn't scrape together that much very easily. Some are in very desperate financial situations.
Now... your ethics may say that you should tell these people to find or borrow $3500 or take out a loan to buy the product. As for me, I'll recommend that they budget, do their homework and learn how to set up early payments (there's actually nothing to it) and get what free services are available to help.
I don't recommend something expensive unless there's a good reason for it and they can afford it (I recommend getting a college degree, for instance.)
>> I will tell you though, there's a reason we (UFF) are so
>> professional, and don't get ourselves invoved with these arguments.
Uhm-- reality check here --you just got involved with the argument (and in a rather angry way, at that.) And so did another person selling this, who came back under several aliases to pretend to be four or five Happy Customers who shelled out $3500 for the software. Frankly, Sue Copening handled the discussion better, taking an "education" approach.
But most folks here aren't in the $250,000+/year income range and getting their hands on $3500 is hard. That's why we point them to less expensive options that offer the same value and same services... like my bank (which set up the same deal for us for free.)
Messages In This Thread
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