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FIB - Scams 101
Lots of confusion on here....
Posted By: Bill In Response To: CONFUSED!... What about u1stfinancial (scam?) inspires such, ummmmm, passion? (MaaMaw)
Date: Thursday, June 19, 2008, at 9:10 p.m.(pst)
Wow, I don't even know where to start.
I'm not sure if the person talking about commissions has their head attached to thier shoulders or below their waste, but they need to fix it if possible....a good chunk of the $3,500 goes to commissions, yes, but that isn't what the company is all about. U1st is using that money to develop different parts of the company i.e. more options, new software, etc. They're growing fast, and yes banks abosolutely hate it and have tried calling them out on being a scam so many times I've lost count. Why you ask? Because people aren't having to rely so much on them which is a relief.
The comments on you can do it yourself is right, sure, but you have to be willing to put a good amount of your money, basically all of it into your mortgage. Honestly, who is going to do that. The mma, simply put, helps you keep everything straight, not to mention helps you be able to know what's going where, if that makes sense.
Oh, and last pet peeve of mine, whoever did that analysis was wrong, so your years are way off. We don't use the savings line unless you have it on your heloc statement. I'm sure the agents out there that have had their stuff sent to missing docs know exactly what I mean :)
>> 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
>> pocket.>> ==> 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?
>> Luv,
>> MaaMaw
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