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Using the same …
Using the same money you gave to the MMA (as well as the $3500 to UFF themselves), you could have saved over $38500. You will fall behind a simple DIY approach by $3500, plus interest, for the life of the mortgages.
Mortgage interest is not “diabolical”. Monthly, it’s 1/12th the rate times the balance outstanding. It’s easy to calculate how much of each mortgage payment is servicing interest.
Just send more money to the mortgage and it will knock down the balance, and bypass the useless MMA.
I don’t want to …
I don’t want to insult your intelligence, but if you look at the clip, you can see “Las Vegas” scrolling at the bottom; then you could search “NBC 3 Las Vegas” and get to their website, go to “Saving You Money” and see that the “news broadcast” is not suspicious. In fact, it is reported by a reputable reporter from a reputable news station.
Way to go!
Way to go!
We have been on …
We have been on this program for 4 months. We thought we were fairly financially savvy, as we have 4 houses, mutual funds, 401k (now virtually depleted!!!) but never realized that mortgage interest is so diabolical. We have saved over $35,000 in this short amount of time. We would have never have been able to do this on our own! Thank you UFirst!
You’re not helping …
You’re not helping the cause with “retarted”.
The simple math you speak of is to work out the advantage of “floating” your expenses with a credit card or HELOC, between paychecks.
In good cases, the MMA can save $2.50 per month. If people just sent the same money to their mortgages and bypassed their UFF agent, they would be ahead by $10K or more.
After monthly expenses are paid, just send as much as you can to the mortgage. That’s it. You’re ahead of the MMA.
I no longer have a …
I no longer have a mortgage. I doubled my payments and added lump sums when I could, and paid it off in record time. Here’s the thing: The MMA needs extra money to accelerate a mortgage as well. See the FAQ on the UFirst website if you don’t believe me. The HELOC or credit card are responsible for saving about $20 per month – about the monthly interest cost for borrowing $3500. Any large savings are due to extra “transfers” against the principal. If you think otherwise, show us. Use math.
For a stupid …
For a stupid comment like that, you sound like someone who deserves to pay 30 or 40 years on a mortgage, giving the banks hundreds of thousands of dollars in interest. Squawking over $3500 bucks, you pay more than that to refinance and start your 30-year cycle all over again.
TOTALLY EFFING FAKE …
TOTALLY EFFING FAKE!!
WRONG! any person who can do SIMPLE MATH can see that it’s total crap.
I love the retarted sponge analogy. So lame.
I recently worked …
I recently worked through some typical mortgage scenarios with UFF agent John Dillard. As it turns out, fair compensation for forcing someone to use the MMA would be to refund the entire purchase price, and pay them $2500 to make up for the inefficiencies of the software and the system. That still doesn’t cover the extra time the MMA demands over simple prepayment, or the added risk of the MMA.
The MMA *should* cost $3500. Agents should be forced to pay that to their victims.
It’s supposed to be …
It’s supposed to be a local broadcast out of Las Vegas. It sounds more like an infomercial. Television news usually isn’t this complimentary about something unless it is furry and cute and saved a family of 4 from a house fire.
By the way, can …
By the way, can ANYONE authenicate this “news broadcast”? It appears to be an NBC broadcast, but the station is not being identified by their call letters, which is suspicious…..
To all, please be …
To all, please be careful. There are some “alternative” products out there that allow you to combine your mortgage with your checking account. These hybrid products originated in Australia, and were not legal until recently…..I actually read about them several months ago. PLEASE BE CAREFUL!!!!! The products are far more predatory and dangerous that the loose lending practices that got us where we are today!!!!
as far as the Ernst …
as far as the Ernst & Young award….Ernst makes it real clear that they just sponsor these local awards, they have nothing to do with supporting or promoting u first. The company is a joke, and the new language on their own website is a result of strong legal oversight.
The U first reps remind me of some sort of invasion of the body snatchers movie, many of them really believe in what they are doing…..their fervor is cult like and weird.
such a scam….the …
such a scam….the U first website now readily admits in their FAQ section that anyone can do this on their own. They also finally admit that the whole system is based on the premise that you have lots of “unused” money laying around every month. Apply that extra money to the principal of your loan and bingo!!!! You just paid $3,500 for nothing. The $3,500 software is just a glorified Excel spreadsheet that you access online…wow an online calculator developed by a NASA scientist,such a joke.
Since when is it ” …
Since when is it “ingenieous” [sic] to borrow from a higher interest LOC to pay a lower interest mortgage?
This whole thing is a smokescreen. It’s just basic prepayment, hidden behind a useless HELOC or an even more dangerous credit card. The MMA saves very little on its own. Anyone can beat this system by months, just by applying extra money to their mortgage. The vast majority of people who say otherwise are looking to share in a $2500 commission. For a piece of software that sucks.
This is an …
This is an ingenieous way to pay off your mortgage. Bankers front end load the mortgage because they know that we will refinance every 5 years or move so we will never pay it off. Most people who see this software and how it works enrole because they see the benefit in it, but some don’t. They would rather get ripped off by their mortgage company by thousands of dollars each year, or they are to cheap to pay the price. They probably churn their own butter or operate on their own appendix
E&Y Utah sponsored …
E&Y Utah sponsored the award, but did not investigate the award winners. You can ask them.
Broker Banker, True Wealth, PREIM and other magazines that praise the MMA have *heavy* UFF advertising content and low numbers. Kiplinger’s Personal Finance is a major publication, and warns against the MMA, as does the finance guru for MSNBC (this video is from an affiliate NBC station).
The MMA does nothing you can’t do yourself easier and for free. The way it is marketed makes it a scam.
Just a final …
Just a final thought on this cphansen, obviously you know far better (along with all the other bigoted skeptics) than all the professional editors of publications like,
Ernst & Young “United First Financial Takes Home Entrepreneur of the Year 2008″ or Mortgage planner, Broker Banker, True wealth, and various other magazines and organizations that have openly and publicly endorsed Ufirst, maybe you should write to them and tell them that they are promoting a SCAM as you call it, how amusing!
I’m against the MMA …
I’m against the MMA, and my mortgage was paid off in record time. I made extra payments against the principal. Anyone can, and it doesn’t cost $3500 to do so.
As for your personal attack, I’ll just point out that you posted your affiliate link to a cash gifting scam in your YT profile. You are an active participant in another scam, but you call MMA critics “dumb”. Incredible.
I Agree, if it’s so …
I Agree, if it’s so easy to do why aren’t all those verbose morons who are knocking the system paying off their mortgages in record time? probably because they are no good bozoos who cannot see the real potential of this because they are too busy knocking it, and i suspect the government, their friends, neighbors, society in general and anything else that comes into their narrow, self important, bigoted, idiotic, blind, field of view.
Get The Facts before showing yourself to be DUMB !
spending $3k for …
spending $3k for this info is ridiculous! all u r doing is putting 100% of what u make towards extra principle reduction. the claim that u dont make extra payments is FALSE. u r putting every dime u make into ur mortgage! thats how it is paid off so quickly.
if u make $5k/mo and have $3500 in expenses, ur left over amount ($1500) is getting paid to ur mortgage. so u r paying this company $3000 for them to tell u to make a $1500 extra payment each month! this program is for idiots
Millions *are* …
Millions *are* prepaying their mortgages and saving thousands in interest. It’s far easier and more effective than the MMA.
The ignorance is exhibited by those who somehow believe the MMA will save them time and interest on their mortgage. If you believe this, explain why, and use numbers.
The best the MMA can claim, is to modify behavior. With something that takes longer to do than sending extra income to the mortgage at the end of the month and pay it down faster. For free.
Well I am a …
Well I am a customer of UFF just using my savings account; no HELOC and I could not be happier. I own 2 homes and will pay them off in 9.5 yers. My question is.. If this is so simple to do on your own, then why are you not doing it? Or why are Americans still doing the same old thing..? It is called ignorance. And there is plenty of that in this forum. ..lol. This is funny.
Miguel- Flight Paramedic
I was approached by …
I was approached by a salescritter of this scam a few years back. Within a few hours of speaking with the agent the truth was out, the software did not in fact have a magical math formula. It was simply that the purchaser of the system (scammed individual) was pre-paying more interest on the first loan through the 2nd loan. The purchaser sees that they are paying down their mortgage faster, but think it is the HELOC doing magic. This is simply false, and the agent admitted it to me. STAY AWAY!
I’ve seen all the …
I’ve seen all the online material UFF has produced. The MMA is just smoke-and-mirrors.
The way to get out of debt remains to live below your means. People who are unwilling to do that will suffer the consequences with or without the MMA. Not surprisingly, you have to spend less than you make to use the MMA – UFF says so right in their FAQ.
Again, look at the huge thread at Fatwallet – the MMA is nothing special, and not worth $100, let alone $3500.