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FIB - Scams 101
Re: From SUE... Re: An open Challenge to the United First Financial
Posted By: Calvin In Response To: From SUE... Re: An open Challenge to the United First Financial (Sue Copening)
Date: Saturday, March 22, 2008, at 6:06 p.m.(pst)
>> Regarding your challenge... I would be HAPPY to take your challenge
>> with 2 added features...>> You have to do all of what you describe and spend less than 10 minutes
>> a month doing it.>> Also, you need to be sure that you will not make an error that throws
>> off your results.Sue, we can do it with less than 10 minutes. We can do that calculation in less than 1 minute. Income minus expenses = additional prepayment. No fancy math. No fancy algorithm needed. I take it you don't even realize the UFF's algorithm is even remotely close to optimal? I know you will claim all sorts of things about who developed it or how much it cost, but not only can we beat any MMA approach with an average checking account (unless you count the $3500 fee, then even a 0% checking account will destroy it), but we can even beat a free UFF approach using an MMA because it isn't optimal.
So, Sue, oh great defender of the MMA, you are going to take our challenge? I am guessing not really, but here it goes:
$5000 income per month (paid $2500 on the 15th, $2500 on the 30th).
$1500 per month bills, due on the 25th.
$200k mortgage, 6%, 30 years, $1199.10, due on the 1st of each month. 7.5% heloc
$5000 in the bank, 3% interest.Ideally, we should run two scenarios for you, one with the $3500 fee, one without. I am happy to show that BOTH are outperformed by one simple subtraction calculation each month. That's right, 1 single calculation. ouch, that's GOTTA hurt. :)
What are ALL the money movements used to pay of your mortgage?
Calvin
ps. now is the time you weasel out and do not take the challenge, like every other agent out there that knows UFF software is worthless and outperformed with ease.
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