EricGo07 said: E101 said: demingy, tell me why not? I know I have to pay 2,386.42 no matter what and I know that 1.I will be prepaying more to shorten my mortgage, so now I have invested in a program that will 2. tell me how much and when so it will be able to get me out of the mortgage in 9.583 years 3. without creating a major impact on my current lifestyle and as a "side-effect" helping me become frugal in my spending because each time I make a change to the program the payoff changes dynamically showing me instantly cause of my changes either good (less time to payoff) or bad (adding more time to payoff). For me that is worth $3,500 alone not to mention the thousands I am 4. saving on interest I will not have to pay.I have bolded and numbered your post ..
1. How much ? 2. As much as you can, paid when the mortgage is due. Keep the extra money in a HYS account until that date arrives. 3. That depends how much of your discretionary income is being spent to afford your current lifestyle. Put another way, any amount above your normal monthly savings rate sent to your mortgage is lifestyle money. 4. Less than the $3500 you spent for the scam.
I can tell you Eric his results will be similar to mine. His principal paid will be $3500 more than before and interest will be around $1500-$2500 more than if he just did it on his own on a monthly basis.
His total interest paid by using the software will be $89287 + or - $500, whereas it would have been 87287 without the software.
He should have the analysis in his hand and be able to post that total interest paid number right now.
E101 said: Yes, I already purchased the program and yes UFF has a guarantee which is as follows:
The mortgage payoff date in your personalized Financial Analysis has a limited guaranteed by United First Financial as follows:
1. If you follow the plan as outlined and use the Money Merge Account software as it is designed, (with free help from customer service if you should need it), your mortgage will be paid off by the date shown in the Financial Analysis based on the accuracy of the data you provide for this Analysis, or your money back.
2. You will receive a Written Limited Guarantee when you sign up for your Money Merge Account.
So what good is the guarantee going to do you if the "plan as outlined" is impossible or impractical for you to follow? Their guarantee is phrased so that you cannot get your money back if it turns out that the payments expected are unreasonable, because their argument would be that if you followed their plan your mortgage would be paid off as promised.
demingy said: E101 said: Yes, I already purchased the program and yes UFF has a guarantee which is as follows:
The mortgage payoff date in your personalized Financial Analysis has a limited guaranteed by United First Financial as follows:
1. If you follow the plan as outlined and use the Money Merge Account software as it is designed, (with free help from customer service if you should need it), your mortgage will be paid off by the date shown in the Financial Analysis based on the accuracy of the data you provide for this Analysis, or your money back.
2. You will receive a Written Limited Guarantee when you sign up for your Money Merge Account.
So what good is the guarantee going to do you if the "plan as outlined" is impossible or impractical for you to follow? Their guarantee is phrased so that you cannot get your money back if it turns out that the payments expected are unreasonable, because their argument would be that if you followed their plan your mortgage would be paid off as promised.
Well, I think because the guarantee is ironclad and he cannot get a refund, he will defend it to the death. He seemed to have disregarded the concrete numbers Mike had posted.
Financially I can't back it. Behaviorally I am not a supporter or detractor. If your goal was to pay off your house as fast as possible and this and only this software got you to do that then it may well be a good ~$5000 spent.
If you put a gun to my head and said do one or the other I would just send in an extra $940/month. If something else comes out that makes it different it may make sense financially, however since my numbers are actually using the software I don't honestly see how that can happen.
mikef07 said: EricGo07 said: E101 said: demingy, tell me why not? I know I have to pay 2,386.42 no matter what and I know that 1.I will be prepaying more to shorten my mortgage, so now I have invested in a program that will 2. tell me how much and when so it will be able to get me out of the mortgage in 9.583 years 3. without creating a major impact on my current lifestyle and as a "side-effect" helping me become frugal in my spending because each time I make a change to the program the payoff changes dynamically showing me instantly cause of my changes either good (less time to payoff) or bad (adding more time to payoff). For me that is worth $3,500 alone not to mention the thousands I am 4. saving on interest I will not have to pay.I have bolded and numbered your post ..
1. How much ? 2. As much as you can, paid when the mortgage is due. Keep the extra money in a HYS account until that date arrives. 3. That depends how much of your discretionary income is being spent to afford your current lifestyle. Put another way, any amount above your normal monthly savings rate sent to your mortgage is lifestyle money. 4. Less than the $3500 you spent for the scam.
I can tell you Eric his results will be similar to mine. His principal paid will be $3500 more than before and interest will be around $1500-$2500 more than if he just did it on his own on a monthly basis.
His total interest paid by using the software will be $89287 + or - $500, whereas it would have been 87287 without the software.
He should have the analysis in his hand and be able to post that total interest paid number right now.I saw your post Mike, and I agree with it. I am trying to point out to E101 that he is still making unfounded assumptions and/or emphasizing a benefit that is trivial to do by oneself.
To make a long story short with the UFF MMA Software if I wanted to pay my house off in 2.9 years it would cost me: (Principal + Interest = Total Paid)
mikef07: I am glad to see you convinced that this software is certainly not financially worthwhile. Just curious, where are you getting the numbers from that you have posted recently.
uutxs said: mikef07: I am glad to see you convinced that this software is certainly not financially worthwhile. Just curious, where are you getting the numbers from that you have posted recently.
I had an analysis done with their software so I got those numbers from UFF. Other numbers are from an extra mortgage payment calculator.
The point here being not one person can say my numbers are made up. These are from both camps so to speak and I did not care what the outcome was, just that the outcome was available for all to see.
demingy said: E101 said: Yes, I already purchased the program and yes UFF has a guarantee which is as follows:
The mortgage payoff date in your personalized Financial Analysis has a limited guaranteed by United First Financial as follows:
1. If you follow the plan as outlined and use the Money Merge Account software as it is designed, (with free help from customer service if you should need it), your mortgage will be paid off by the date shown in the Financial Analysis based on the accuracy of the data you provide for this Analysis, or your money back.
2. You will receive a Written Limited Guarantee when you sign up for your Money Merge Account.
So what good is the guarantee going to do you if the "plan as outlined" is impossible or impractical for you to follow? Their guarantee is phrased so that you cannot get your money back if it turns out that the payments expected are unreasonable, because their argument would be that if you followed their plan your mortgage would be paid off as promised. E101: Agree with demingy, looks like there is nothing in the guarantee that would help. Is there some kind of "return/refund" policy since you have not gone for the training yet? I am sure you have seen mikef07's recent numbers posted here that shows this is certainly not, financially speaking, a product to spend $3500 on.
mikef07 said: uutxs said: mikef07: I am glad to see you convinced that this software is certainly not financially worthwhile. Just curious, where are you getting the numbers from that you have posted recently.
I had an analysis done with their software so I got those numbers from UFF. Other numbers are from an extra mortgage payment calculator.
The point here being not one person can say my numbers are made up. These are from both camps so to speak and I did not care what the outcome was, just that the outcome was available for all to see. The UFF numbers: Is that being provided by their sales/marketing folks to get you to buy it? In any case, given that they are outputs from UFF, these are numbers that E101 can take to the training and show them the bankrate (or any other free mortgage calculator) numbers as well. Ask the tough questions at the training and see if they will have you leave the room for your $3500 refund!
uutxs said: mikef07 said: uutxs said: mikef07: I am glad to see you convinced that this software is certainly not financially worthwhile. Just curious, where are you getting the numbers from that you have posted recently.
I had an analysis done with their software so I got those numbers from UFF. Other numbers are from an extra mortgage payment calculator.
The point here being not one person can say my numbers are made up. These are from both camps so to speak and I did not care what the outcome was, just that the outcome was available for all to see. The UFF numbers: Is that being provided by their sales/marketing folks to get you to buy it? In any case, given that they are outputs from UFF, these are numbers that E101 can take to the training and show them the bankrate (or any other free mortgage calculator) numbers as well. Ask the tough questions at the training and see if they will have you leave the rom for your $3500 refund!
Yes. These numbers were sent to me by them and showed how much I would pay over an 11.2 year period and a 2.9 year period. These numbers are from their sales/marketing folks.
All E101 has to do is post his total interest paid amount here and we can see if it worked out for him. That number is right on his analysis sheet and he will have that sheet for sure.
mikef07 said: Financially I can't back it. Behaviorally I am not a supporter or detractor. If your goal was to pay off your house as fast as possible and this and only this software got you to do that then it may well be a good ~$5000 spent.
If you put a gun to my head and said do one or the other I would just send in an extra $940/month. If something else comes out that makes it different it may make sense financially, however since my numbers are actually using the software I don't honestly see how that can happen.
Wow. I go away and great progress! I am impressed.
If I were to take my mortgage and pay ~$940 extra per month for 11.2 years I would end up having a paid off mortgage of $225,000 and will have paid interest in the amount of $85734 for a total out of my pocket of $310,734.
If I do the MMA and these numbers are according to them: I would pay a total of $228,500 which is my mortgage and the software and the total interest I will have paid would be $87,304.29 after 11.2 years
The total here is $315,804.29 (This number is what the UFF MMA software spit out for me)
Total with MMA $315,804.29 > $310,734 (Done on my own).
The results do show that by using the MMA software it would cost me $5070.29 extra
I hate to say it but from a financial standpoint you will come out behind. It honestly cannot be argued after looking at this. This is using the UFF MMA software. Both scenarios are the exact same time frame of 11.2 years.
This shows that I will have paid interest of $1570.29 that I did not have to and $3500 in principal that I did not have to. This is the only post in 46 pages that has actual results from the actual software as well as real mortgage numbers.This is good, and allows us to quantitate the salary float benefit.
The system assumes 0 salary interest income without the UFF The $3500 paid up front is worth $6,730.74 11 years later.
Since we "only" came out 5070.29 behind, and not 6,730.76, Mike's salary float earned him 1,651.45, or $8.80 every month.
I'll be interested to hear from Mike how much interest he would have made by putting his salary into a HYS account. I estimate 6000*5/1200 = $25 month.
In summary, Mike makes 3X more in a HYS account than the HELOC float game, and saves himself $6,730 off of his 11 year amortized home repayment schedule by not buying the scam.
Hopefully these numbers will convince any reasonable person of a couple of things:
1. At $3500, this is a scam. You can NEVER recoup the initial money spent. 2. Salary float by way of a HELOC is a joke. Heck, Mike only makes $8.80 a month on 12,000 monthly salary ! 3. Anyone who really really really wants salary float just has to put the money in a HYS account. Free, and about 3X the return of the HELOC way. 4. Mortgage shortening is not only 95+ from prepayments, it is 99+ from prepayments.
I could go back to page #1 of this thread where I said exactly this, but will not, because I do not want 50 over people saying the EXACT same thing.
Ellory, can we update the summary a bit, and then ask the mods to lock this bloody thread ??
EricGo07 said: mikef07 said: I got some results for some people:
If I were to take my mortgage and pay ~$940 extra per month for 11.2 years I would end up having a paid off mortgage of $225,000 and will have paid interest in the amount of $85734 for a total out of my pocket of $310,734.
If I do the MMA and these numbers are according to them: I would pay a total of $228,500 which is my mortgage and the software and the total interest I will have paid would be $87,304.29 after 11.2 years
The total here is $315,804.29 (This number is what the UFF MMA software spit out for me)
Total with MMA $315,804.29 > $310,734 (Done on my own).
The results do show that by using the MMA software it would cost me $5070.29 extra
I hate to say it but from a financial standpoint you will come out behind. It honestly cannot be argued after looking at this. This is using the UFF MMA software. Both scenarios are the exact same time frame of 11.2 years.
This shows that I will have paid interest of $1570.29 that I did not have to and $3500 in principal that I did not have to. This is the only post in 46 pages that has actual results from the actual software as well as real mortgage numbers.This is good, and allows us to quantitate the salary float benefit.
The system assumes 0 salary income without the UFF The $3500 paid up front is worth $6,730.74 11 years later.
Since we "only" came out 5070.29 behind, and not 6,730.76, Mike's salary float earned him 1,651.45, or $8.80 every month.
I'll be interested to hear from Mike how much interest he would have made by putting his salary into a HYS account. I estimate 6000*5/1200 = $25 month.
In summary, Mike makes 3X more in a HYS account than the HELOC float game, and saves himself $6,730 off of his 11 year amortized home repayment schedule by not buying the scam.
Well in theory I have around ~$9000 in discretionary income (total with wife and me) at the very minimum (My pay is not the same every month). Since I would have to pay around $1,000 extra to the mortgage that would leave me around $8000 left. If I could float my bills and pay them all on the last possible day those bills equal around $5000.
If I could take Sep pay (15th and 30th) and put it into a HYS account for all of Oct and pay bills on Oct 31 then I would have around $15,000 for 30 days and remove $6,000 (For bills) on Oct 31.
mikef07 said: Yes. These numbers were sent to me by them and showed how much I would pay over an 11.2 year period and a 2.9 year period. These numbers are from their sales/marketing folks.does the "2.9 year period" mean that they were having you take out a HELOC for that long? If so, did they have you take out one big chunnk, then pay it off over that time, or was that 32 withdrawls/payments (1 per month) or a few or what?
calvinandhobbes said: mikef07 said: Yes. These numbers were sent to me by them and showed how much I would pay over an 11.2 year period and a 2.9 year period. These numbers are from their sales/marketing folks.does the "2.9 year period" mean that they were having you take out a HELOC for that long? If so, did they have you take out one big chunnk, then pay it off over that time, or was that 32 withdrawls/payments (1 per month) or a few or what?
You don't get that information. I can tell you that that supposedly guaranteed that I would be throwing at least $6500/month at my mortgage + whatever the software said to pay from my HELOC.
mikef07 said: Financially I can't back it. Behaviorally I am not a supporter or detractor. If your goal was to pay off your house as fast as possible and this and only this software got you to do that then it may well be a good ~$5000 spent.
If you put a gun to my head and said do one or the other I would just send in an extra $940/month. If something else comes out that makes it different it may make sense financially, however since my numbers are actually using the software I don't honestly see how that can happen.
And this is why it is like pulling teeth to get these guys to give actual numbers. The bottom line speaks volumes.
demingy said: mikef07 said: Financially I can't back it. Behaviorally I am not a supporter or detractor. If your goal was to pay off your house as fast as possible and this and only this software got you to do that then it may well be a good ~$5000 spent.
If you put a gun to my head and said do one or the other I would just send in an extra $940/month. If something else comes out that makes it different it may make sense financially, however since my numbers are actually using the software I don't honestly see how that can happen.
And this is why it is like pulling teeth to get these guys to give actual numbers. The bottom line speaks volumes. well, I don't see any shill posts on this page.... maybe they've finally given up (unlikely)
mikef07 said: Financially I can't back it. Behaviorally I am not a supporter or detractor. If your goal was to pay off your house as fast as possible and this and only this software got you to do that then it may well be a good ~$5000 spent.
If you put a gun to my head and said do one or the other I would just send in an extra $940/month. If something else comes out that makes it different it may make sense financially, however since my numbers are actually using the software I don't honestly see how that can happen.If you include the HYS account interest you are missing out on, this program is costing you almost $10,000 (in 2018 dollars).
EricGo07 said: mikef07 said: Financially I can't back it. Behaviorally I am not a supporter or detractor. If your goal was to pay off your house as fast as possible and this and only this software got you to do that then it may well be a good ~$5000 spent.
If you put a gun to my head and said do one or the other I would just send in an extra $940/month. If something else comes out that makes it different it may make sense financially, however since my numbers are actually using the software I don't honestly see how that can happen.If you include the HYS account interest you are missing out on, this program is costing you almost $10,000 (in 2018 dollars).i think you'll find that if he was to hold a heloc for 2.9 years, if you were to account for that money in added principal payments, it comes out even further ahead.
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.
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: 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. If the "drill and bits" was priced reasonably say $50-$100, many will see the value in it. If it is priced at $3,500, I would call a professional and get the cupboards done by him/her.
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 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.
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.
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.
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?
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.
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.
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 PM the mods.
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?
confuseu said: ♠ 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. For all the complexity that you've described the program to be, its quite sad that it can't even beat a simple autopay system.
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.
Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.
Members of our community may attach files to a post in accordance with the User Agreement. FatWallet is not responsible for the content, accuracy, completeness or validity of any information contained in any attached file. Files have *not* been scanned for viruses. Be especially wary of Excel files which may contain malicious content.
