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FIB - Scams 101
Re: From SUE... Re: An open Challenge to the United First Financial
Posted By: David In Response To: From SUE... Re: An open Challenge to the United First Financial (Sue Copening)
Date: Thursday, April 17, 2008, at 8:05 a.m.(pst)
In Response To: From SUE... Re: An open Challenge to the United First Financial (Sue Copening)
>> You are missing a big point about this program... we never say that
>> someone can't do something similar on their own. If they are, and are
>> sticking to their program, they are doing great.
>> Most people are not.
>> The math algorithms were designed by human beings and there are
>> probably lots of people who can do a good job on their own.... but can
>> they do it with as little EFFORT?
>> 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.
>> Otherwise there is no point in comparing.
>> I have done this exact compairison (I was a skeptic myself before I
>> got involved) and the Money Merge approach beats the savings account
>> approch, even with cost of software accounted for). What most people fail
>> to take into account is the time value of the transfers and the advantage
>> advance transfers make. Additionally, the interest on your checking is
>> TAXABLE and the interest on a HELOC is TAX DEDUCTIBLE. Those 2 factors are
>> why this will beat your scenario every time, though if you like your
>> system better and you are disciplined enough to stick with it, who cares
>> if you short yourself a few thousand dollars ... the important thing is
>> that you do something that works for YOU.
>> This system and software simply offers a series of benefits...
>> It OPTIMIZES your savings.
>> It does it with minimal time and effort.
>> It does an accurate job of the math, every time.
>> It helps you stay motivated - seeing the daily impact allows you to
>> effect it.
>> It helps you make better financial decisions.
>> I have stopped arguing with yam-heads on the internet about this
>> program, which is why I missed your post until now. However... let me let
>> some others do the talking...
>> National MAGAZINES have said about United First Financial:
>> Broker Banker magazine - "Outstanding Company of the Month"
>> Mortgage Planner magazine - cover story and feature article
>> Personal Real Estate Investor magazine - EDITORS CHOICE AWARD.
>> The 6th largest bank in the country, entered into a joint venture with
>> UFirst's parent company, Accelerated Equity, so that they can be our
>> "preferred provider of equity lines of credit. They had their
>> attorneys turning this inside out for months as they finalized everything.
>> GREAT CREDIBILITY builder, don't you think?
>> Quotes like this abound now...
>> “I have never personally and or publicly endorsed any product.
>> However… I am endorsing this one, it’s the real deal.” ...Brian Topor,
>> Publisher, Broker Banker Magazine
>> "The Money Merge Account system simplifies a complex world so
>> that homeowners can manage tgheir financial condition better. This we
>> applaud. We found the Money Merge Account system from United First
>> Finanical as the leader in this market." ...Andrew Waite, Personal RE
>> Investor Magazine
>> "Every homeowner should use this system. I pays for it'self many
>> times over. It's fun to use, I get a kick out of using the program."
>> ...client quote from magazine article - Personal RE Investor.
>> "We have been able to reduce our principal on our first mortgage
>> by $13,000 and are on our way to a complete pay off in about 11
>> years." ...another client quote from Per RE Investor article.
>> “Any Mortgage Broker that does not show their clients how to
>> accelerate their mortgage payoff through this program… is CRAZY! My
>> clients keep asking me, “Why hasn’t anyone told me about this before?”
>> This program has created for a referral brush fire for me.” ...Scott
>> Schaffer, Mortgage Broker
>> Do your research...
>> Look at multiple opinions and sources...
>> Do SOMETHING to help yourself, if not this... do SOMETHING.
>> Sue :)
OK, so I've read all the posts and got a chuckle from the "I challenge you" to the "Scam!" and even the accusations of "Shill", whatever the hell that is...
I went to the web site, saw the video, and even kept an open mind while doing it, and what I came away with is this:
1) Pay $3500 or whatever to get on board - All well and good, if a person has that kind of money laying around.
2) Open a HELOC - Sure...but that assumes two things: You've got enough equity in your home and you've got good credit.
Those two things alone would keep a lot of folks from doing it, me among them...however, if I did have $3500 extra, I could put the money in a simple savings account (earning conservatively 1%), withdraw $100 per month and put it toward the mortgage principal...
Seems to me I could shave years off my mortgage and save tens of thousands of dollars in interest with those simple steps.
Just my humble opinion
Messages In This Thread
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