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| PROTECT YOURSELF FROM SCAMS! Research all business opportunities thoroughly, and never blow off other people's bad experiences. Ask around (and listen!). The Scams101 Message Board is a good place to start. What's that? You've found a Biz Op and you're wondering if it's endorsed by FIB?... Not unless it's listed in MaaMaw's Magnificent Toolbox. |
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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)
>> 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!
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| 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!!). |