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FIB - Scams 101
Re: CONFUSED!... What about u1stfinancial (scam?) inspires such, ummmmm, passion?
Posted By: Sandi Moses In Response To: CONFUSED!... What about u1stfinancial (scam?) inspires such, ummmmm, passion? (MaaMaw)
Date: Thursday, June 19, 2008, at 9:20 a.m.(pst)
In Response To: CONFUSED!... What about u1stfinancial (scam?) inspires such, ummmmm, passion? (MaaMaw)
>> I love a good brawl, but I've stayed out of the u1stfinancial riot
>> because I know diddly about this topic. I have, however, been reading
>> every word, trying to understand the emotion ufirst financial conjures up
>> on both sides.
>> Here's what I see:
>> ==> It doesn't appear to be a scam because it delivers on at least
>> one (the most important?) of its promises -- to help you pay off your
>> mortgage faster.
>> ==> It seems to make a bunch of other claims that are shaky at
>> best, so I certainly wouldn't recommend anyone run out and buy it.
>> ==> It's clear to me that the same thing can be done without the
>> software -- maybe better, and certainly with an extra $3500 in your own
>> ==> But it's also clear to me that there are tons of homeowners who
>> don't have a clue about this stuff.
>> ==> There's another ton of homeowners who have a clue (they've
>> heard it can be done), but they don't have the smarts to figure it out (or
>> ask their banker) -- and even if they did, they lack the discipline to
>> follow through month after month, year after year.
>> If -- (I say **IF**) -- the ufirst financial software maps out a
>> program for this type of homeowner, walks him through it, and keeps him on
>> track for as many years as it takes... is it possible, just possible, it's
>> a good thing for that one type of person even though it can clearly be
>> done better (and free!) by people who have what it takes to make a plan
>> and stick to it?
>> Go ahead -- clobber me with my own brownies.
>> I am not for one minute recommending that anyone hand over $3500 of
>> their hard-earned cash to u1st financial -- I would never do it! -- but I
>> am daring to suggest that maybe it's just what "the select few"
>> need to get them on track.
>> Is that possible?
I have *NOT* been reading every word but it sounds like one of those things where you make a payment every 2 weeks instead of every month, thereby making 13 payments per year instead of 12. Doing that can save you megabucks over the lifetime of the mortgage, especially if you start early.
IF you have the discipline you don't need anyone's help to do that. Just do it.
If you do not have the discipline, programs are out there (WAMU sands out a bulk ad about every 6 months) that set you up for automatic payments. If I remember right, you have to have enough money on hand to make your regular payment plus one in advance, but that is not a fee - that is still your money. There is a fee and I don't remember what is is, but I seem to remember it being more like $150 - definitely 3 digits and nowhere near $3500!
Messages In This Thread
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