confuseu said:Everyone...go ahead...let the attacks begin.Your post is devoid of content...please come back when you have facts to back up your argument instead of vague PR terms and analogies.

confuseu said:Mike...what happened...?...what about the $1000.00 gardening bill that you didn't have to pay if you did it yourself? I thought you wanted the "tool" to help the process along.

Again. I thought we agreed you could do this yourself. It wasn't the point...I thought...then it became "floating" was really effecting your lifestyle...when the general public is doing this every single day anyways...with ANY kind of loan. Yes do it your self then. Also Mike, the analysis software that provided the results for your numbers is not the MAA software you use as a client. That is totally different. The MMA software is the user friendly planner (if you will) that provides information in real time regarding you financial situation. Any changes (add bills, pay bills etc). are all calculated for you in nice simple to understand fashion whenever you want. It is also the vehicle that tells you when and where and how much to move.

Simple as that. IT's the TOOL. Again, I could use a screw driver to replace all my kitchen cupboards and accessories....cost $2.00....or I could by a drill with the "bits" and extension cord to make it easier...cost...$40.00. I'll choose the drill and bits.

Everyone...go ahead...let the attacks begin.

I will be honest with you. When I initially went into it I had a very open mind. I looked at it and thought if it helps you make a little more money then financially it is worth it.

What I have now seen:

1) I will come out behind if I do this finanically by $5000 of actual money.
2) The next thing will be that it is hard to do it yourself. My bank has an autopay system that if I was to set it up today it takes about 60 seconds and I could put that $940 amount/month in and it would be on cruise control for 11.2 years and I would have a house paid for and have saved $5,000.
3) My wife likes expensive purses that cost anywhere from $1000 to $1500. That $5,000 is 3-5 purses for her over a 10 year period which is one every 2 or 3 years.

Anyone who comes in here and says that they use it for the tool aspect I will completely back them up. If someone said this was the golden ticket that got them to pay there house off in X number of years and without this software they would not have done that, and that was their goal to pay off their house, I will back them up.

Anyone who comes in and says you will come out financially ahead is just plain wrong. I understand the analysis is what the software outputs and not the actual software. The analysis gives you a hard cost at the end so you can see what this will cost you over an 11.2 year period in my case. It simply costs me $5,000 more to use this software. To me and only me it is just not worth it.

One thing the software cannot control is risk. What if things are going well and I am following the software exactly. My HELOC balance is at $20,000 because a payment was just made and I lose my job. I now have no income coming in to offset the interest and now am stuck with a HELOC at 9% of $20,000 and I have nothing to drive the balance down. If I am doing it on my own I shut down the $940/month payment and I now have a normal mortgage payment and with my Emergency Fund I can float my expenses for 6 months to a year.

$5,000 extra is just too much for me. If I came out ahead I would be a huge supporter. You can see I was one with a very open mind but the numbers don't lie in my case.

jayK said:confuseu said:Everyone...go ahead...let the attacks begin.Your post is devoid of content...please come back when you have facts to back up your argument instead of vague PR terms and analogies.

Ok:
Fact 1) I have been stating YOU CAN DO THIS ON YOUR OWN. Can you get the same results or better, I doubt the average American can. No discipline. If totally discipline, then probably YES. This appears to be the argument when it really shouldn't be. The MMA results can be matched. Fact. Period. We Agree.

Fact 2)Instead of doing it myself. I chose to spend the $3500.00. It makes more sense to me (yes,apparently I'm dumb), it makes me sit up and pay more attention to my finances...the large AND small bills. This is probably why the average user of the MMA over the first 3 years of the program (400 test market group) were 20-25% ahead of projected results. It SEEMS to create more financial discipline. You want to pay $3500.00 for the software, do it. If you want to do it yourself, do it yourself. Fact. Period. We Agree.

Fact 3) Just because someone creates a program (MMA) that costs money ($3500) doesn't make it a scam. You can by a bed for $60,000.00 (absolutely true) or you can pay $600 or even less... Both are used for the same thing...sleeping. But some people pay for the $60,000.00 bed...because the "marketing" tells them it will make their health and life easier. Talk about debatable, if anything was up for debate...a $60,000.00 bed that makes you live longer is really stretching the marketing. Fact. Period. Are you afraid to Agree?

Fact 4) None of the detractors here have ever seen, used or evaluated the customer MMA software. Fact. Period. Are you afraid to Agree?

ConfuseU, why didn't you just say you want some discipline ?

Cheap but wimpy, try Dave Ramsey.
PM me if you want the real thing, with whips.

mikef07 said:confuseu said:jayK said:confuseu said:Everyone...go ahead...let the attacks begin.Your post is devoid of content...please come back when you have facts to back up your argument instead of vague PR terms and analogies.


Ok:
Fact 1) I have been stating YOU CAN DO THIS ON YOUR OWN. Can you get the same results or better, I doubt the average American can. No discipline. If totally discipline, then probably YES. This appears to be the argument when it really shouldn't be. The MMA results can be matched. Fact. Period. We Agree.

Fact 2)Instead of doing it myself. I chose to spend the $3500.00. It makes more sense to me (yes,apparently I'm dumb), it makes me sit up and pay more attention to my finances...the large AND small bills. This is probably why the average user of the MMA over the first 3 years of the program (400 test market group) were 20-25% ahead of projected results. It SEEMS to create more financial discipline. You want to pay $3500.00 for the software, do it. If you want to do it yourself, do it yourself. Fact. Period. We Agree.

Fact 3) Just because someone creates a program (MMA) that costs money ($3500) doesn't make it a scam. You can by a bed for $60,000.00 (absolutely true) or you can pay $600 or even less... Both are used for the same thing...sleeping. But some people pay for the $60,000.00 bed...because the "marketing" tells them it will make their health and life easier. Talk about debatable, if anything was up for debate...a $60,000.00 bed that makes you live longer is really stretching the marketing. Fact. Period. Are you afraid to Agree?

Fact 4) None of the detractors here have ever seen, used or evaluated the customer MMA software. Fact. Period. Are you afraid to Agree?

Fact 1 - I honestly do have the discipline. It is as simple as an auto deduction out of my checking. If the money isn't there because it is taken out the day I get paid I won't miss it.

Fact 2 - I cannot argue against that. I am pretty much focused on my finances most of the time but I would never speak for anyone else and if this put you in control of your finances then it was the right move for you.

Fact 3 -I never said it was a scam and I have even said if you bought this to change a behavior pattern in your finances then I can totally respect that. My financial behavior in my life currently is right on track. If you bought it because you think that this is the absolute best you can come out financially taking into consideration every single situation available then that is wrong.

Fact 4 - I have in theroy used the financial portion of the software when I got my analysis. For me, because I have the discipline to do this on my own by setting up an auto payment, it was all about finanicial profit. This left me short $5,000 according to the software. I will not argue that the software is bad, hard to use, or terrible. I will say that it leaves me $5,000 in the hole.

But your $1000.00 in the hole for each time you don't to the garden yourself. And you can do that for free.

Fact 1: You are asking people to pay $3500 for "discipline"
Fact 2: You are asking people to pay $3500 for "discipline"
Fact 3: You are asking people to pay $3500 for "discipline"
Fact 4: We have tried your software through you and MikeF and the numbers don't work. And the wording of your money back "guarantee" is so weak, that I am not going to expose myself to that $3500 loss.

Question 1: If its discipline you are selling, why not advertise that way?
Question 2: Why not offer a set of 30 day free usage licenses to FW finance members. Then we can see it for ourselves? As it is all online, you lose nothing, you can simply turn off access at the end of 30 days. Then we can evaluate the "ease of use" and "flexibility" you tout?

ellory said:Fact 1: You are asking people to pay $3500 for "discipline"
Fact 2: You are asking people to pay $3500 for "discipline"
Fact 3: You are asking people to pay $3500 for "discipline"
Fact 4: We have tried your software through you and MikeF and the numbers don't work. And the wording of your money back "guarantee" is so weak, that I am not going to expose myself to that $3500 loss.

Question 1: If its discipline you are selling, why not advertise that way?
Question 2: Why not offer a set of 30 day free usage licenses to FW finance members. Then we can see it for ourselves? As it is all online, you lose nothing, you can simply turn off access at the end of 30 days. Then we can evaluate the "ease of use" and "flexibility" you tout?

I would have no problem with that. But it's not my call. Go to UFF web site, call them, tell them you would like to test drive the functionality of the software and report on it. I have no problem with that. But I can't do it for you.

confuseu said:synnyster said:How does paying $3500 for software that just tells you when to pay make you more disciplined? How does it even make it easier if you can set up a monthly payment through your billpay to automatically do that? I don't get why confuseu is so adamant about this "tool" being so useful.

Simple. It's more than a "bill" pay. It's a bill pay (not automated), it's a register, it's a financial predictor/calculator...it's really quite useful.

What are you predicting and calculating? Mike already showed that he could put X more dollars into his mortgage payment each month and it will shorten his repayment period by a third and save more money in interest on top of not having to pay $3500. Isn't the whole point of the software to save you money and shorten your payment period? I don't get where all this predictor/calculator stuff is needed. What happened to your discipline reason? How does this software teach you discipline? If someone telling you you need to pay more to shorten your mortgage and you don't listen to them, how does a $3500 piece of software do any better?

EricGo07 said:Ellory PM'd me that he is satisfied with his thread summary, so I am going to ask the mods to lock this thread so that the shills do not have the last posts. Whomever feels the same, please do the same.

Why would you want to do that? You guys haven't gone to the meeting yet so you can make a report....ah..yeah...just as I thought...all talk and no action.

confuseu said:EricGo07 said:Ellory PM'd me that he is satisfied with his thread summary, so I am going to ask the mods to lock this thread so that the shills do not have the last posts. Whomever feels the same, please do the same.

Why would you want to do that? You guys haven't gone to the meeting yet so you can make a report....ah..yeah...just as I thought...all talk and no action.Actually, enough talk. And now action. So sorry it is not to your liking.