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FIB - Scams 101
Re: An open Challenge to the United First Financial
Posted By: Billcat In Response To: Re: An open Challenge to the United First Financial (Dave)
Date: Wednesday, April 16, 2008, at 2:14 p.m.(pst)
In Response To: Re: An open Challenge to the United First Financial (Dave)
>> So, why won't anyone from "UFirst" do a head to head
>> comparison? If someone is willing to do it, I'll let my numbers be the
>> example and if the MMA wins, I'll become one of your clients.
Frankly, they either know that their numbers will not prove in, or they are afraid that this will be the case. I think that it will be a cold day in hell before the excuses stop and one of them steps up to the plate!
Most folks who sign onto MLM programs really do not have the financial chops to understand that the programs are a scam. Their conviction is typically founded on belief rather than knowledge - so when they are challenged in an intelligent manner, they are at a loss to reposnd. While Amway's products have always been over-hyped and over-priced, at least they would reliably get your clothes clean!
When Excel Telecommunications was a going MLM program (before they terminated all their reps), I tormented them with mathematical proof that no substantial percentage or reps could ever make a decent return. No one was ever able to do anything more than sputter or rage at me, because I was right and they were simply spouting factless hype.
How to pay down a mortgage? Simple! The same old, tired, boring and completely reliable way that most millionaires haved used. Refinance the moretgage to lower rates when it makes sense. Live within your means. Be brutal about what "necessities" you include in your expenses. (Hint: Cable TV is not a necessity for more folks!) Save. Invest. Put some of each raise into additional savings. Be extremely careful about taking on debt. You can invest by reducing your mortgage, if that is where you get your best return on the buck, but it may be a good idea to look for better returns.
I'm on a 5.25%, 15-year mortgage. At that rate, there are better returns available to me, especially when I consider the deductability of the interest. I am, however, automatically paying extra each month, so that by age 62, when I may wish to consider retirement, the house will be paid in full.
I surely would advise folks not to waste $3500 on this mortgage accelerator nonsense. Instead, folks should read up and get smart about about their finances. There are plenty of folks with comepltely ordinary education who build significant personal wealth, but few do so without the true "Magic Es" - education and effort.
And folks, be very, very wary of "magic pill" solutions like the one the shills are promoting as a mortgage accelerator!
Messages In This Thread
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