United First Financial (UFirst) Review

Here is an unbiased magazine link about MMA: http://www.kiplinger.com/magazine/archives/2008/05/prepay_mortgage.html There are a few sites, www.fatwallet.com, www.scam.com, that discuss MMA. While it is not a scam, it is not worth $3500 if you can simply write a check to pay extra principal each month. An MMA presentation will impress you with the amount of interest you are saving, but they won't compare their plan to simply doing it yourself. MMA will end up costing your more money and more time than simply doing it yourself. This is math, not opinion. Why the difference? Because MMA keeps way too much money in their HELOC. This costs you extra interest and time.

I am seeking to buy the software because like most Americans i know, i dont have the discipline to invent my own system and follow it. The advantage to me is that if I overspend money on vacation it will recalibrate itself to show me what that money really cost me in terms my goals. Heck most people would refinance from a 7% to a 5.75% and feel great about spending 8K in equity to do so, when really it only saves a couple hundred dollars a month for the NEXT 30 years (still not cutting it in half) My salesman did a bad job presenting the product and im still ramping up to buy. Not only that i think i can do a better job presenting the product and make a thousand per sale. 4 sales to make my $ back. Id like to hear from somone who bought it and it actually didnt perform or backfired in some way. Thats the only thing that will stop me from buying at this time. Any takers?

I just heard the UFiorst pitch today and frankly, I'm intrigued. I'm not sure one could do the same thing without that software, or something like it. The edetails in their alogrithm seem to be complex enought that, with a batch of reverse engineering it could be figured out and re-written into personally written code, but is the time and skill involved woth $3500 (that's the price we were quoted.) Right now, I'm thinking of it as a lot like buying a hybrid car: the price is higher than the same car without the hybrid design, but the payback, albeit over a long time, is better. It seems like a reasonable investment. One of the problems with a 'scheme' (in the British definition: design or plan) like this seems a lot like a scheme in the US definition (slippery; illogical) because it seems too good to be true. However, so wass the concept of a hybrid car (the analogy keeps coming back to me, appropriate or otherwise!).

I would just like to see one person who has actually achieved the results without the software. I have spoken to those who have proof with software. Is there anyone out there who claims they can achieve the same results and has actually done so?

the idea is that you refinace other debt onto a HELOC and use the heloc like you bank account. Banks are currently freezing helocs because homes are loosing value. If you can't reborrow the money it is trapped in your home. so you are in effect just paying more money into your house each month..... Something to think about. If you simply refinance your other debts and pay the same as your current payments you would pay off your house just as quick. the 5 k for the software is supposedly justified by the fact that it OPTIMIZES your time line, but the value of the 2 payments you cut off in 11 years is much less than the value of that same 5k today. many flaws

Google search results for u1st often reveal opinions that this product is somewhat of a scam given that one can allegedly achieve the same without the pricey software. Have yet to see a good rebuttal. Any takers?