hi..

sorry about that joe. but if you can shed some idea about my question then i would appreciate it..

thanks.

Jon - your question regarding the award is for Ken only. I am on the other side. I am a nay-sayer.

Ken, congrats on being on the more honest end of the spectrum for UFF agents. but then again, admitting 1+1=2 gets any of them there.

"Is $3,500.00 too much money to pay for financial education, years of professional coaching for 14 hours each business day, and a dynamic web-based software system, including all upgrades?"

It is NOT a financial education. It's a black box. It tricks people into paying extra without them thinking they are paying extra. And any resemblance to a financial education with the typical crap UFFers put out there is offensive to the financial industry. Paying $3500 to be able to write a check IS a bad financial decision.

"Is MMA always the fastest in all circumstances, all the time?"

While you admitted "no", the real question is "Is MMA ***EVER*** the fastest way to get to zero?" The answer is still "no." Sometimes it is no by several thousand dollars, sometimes if it no by tens of thousands of dollars. That is the crux.

I do not think the product is a scam. it's an absolute crap product, but not a scam. UFF agents are the scam. the typical claims (E&Y awarded prize, optimal payoff, can't be replicated, no change in budget, no change in spending, no change in cash flow) are all grossly misleading statements at a minimum, outright lies at a maximum. But then again, this product doesn't sell without lies.

THAT is the scam.

No jonathanpaul, no UFirst agent, including me, receives anything for any award.

All I am saying is the the Money Merge Account system, while certainly not for everyone, is a very reasonable option for people who have had poor success making extra payments to their debt on their own.

Is the MMA system for everyone? Most certainly not.

Is the MMA system a necessity? Not at all...it is simply an alternative.

Is $3,500.00 too much money to pay for financial education, years of professional coaching for 14 hours each business day, and a dynamic web-based software system, including all upgrades? Some will say it is too much money, and others will say it is not too much money?

Can you pay off debt on your own? Of course you can.

Is MMA always the fastest in all circumstances, all the time? No, because the system operates like a financial GPS...it varies the payoff time and either cancels or adds prompts in order to provide the fastest payoff time in accordance with every single input from the user.

Does interest cancellation work? Of course it does. It is a powerful, but difficult to understand strategy that has been used for many years in banking systems in countries like the UK and Australia, as well as in the National Bank All-In-One mortgage and the Manulife One product here in Canada. Many bloggers on sites like this have either not taken the time or simply do not understand the sound financial principles involved in interest cancellation.

Is United First Financial a scam? Of course not. The moderator of this forum has suggested that the MMA system would not be able to continue to operate in Canada unless it was a 100% legit product.

HAPPY Canada Day!!!

OK JoeTaxpayer, let's bring the conversation back to the NON-scam I am selling...

Are you suggesting that the Money Merge Account system is a scam, due to the fact that it is not always the fastest ways to zero? Are you, therefore suggesting that the software should NOT possess the intelligence to vary the payoff time automatically with each and every input from the user? Do you fail to understand that this built-in flexibility actually turns the system into a "financial GPS"...a system that will automatically increase or decrease the payoff time in accordance with the consumer's choices? Does this feature not significantly increase the value of our system when compared with "Whoseadinkle's spreadsheet"?

Are you suggesting that the Money Merge Account system is a scam, due to the fact that someone feels they can do it faster on their own? Are you unaware that UFirst themselves, on their presentingmma.com website, actually use the word "ABSOLUTELY" when answering the question, "Can I do this concept on my own?" Of course MMA clients can pay off their own debt on their own...what on earth does that prove? Does it prove that the average Canadian consumer does not need MMA? Well you will certainly get no argument from me...I am not saying everyone needs MMA; I am simply saying that the program has done wonders for many people, including me, who love the freedom to choose MMA.

Do you really judge a company by whether they do or do not choose to layoff staff in response to a global recession?

JoeTaxpayer, I sincerely apologize for putting words in your mouth, so why don't you just come clean on this point...Do you, or do you not believe all MLM, network marketing, direct sales, and consumer-direct companies are automatically a scam?

hi joe and ken..

im reading your posts and i felt that the award is too valuable for you guys..

just asking.. what do you get out of the award? is there a certain amount of money involve or anything else?

No, Ken, it's you who perpetuates the silly game.

My point, which you so conveniently miss (on purpose I trust, I'll give you that much credit) is that E&Y sponsors an award. The companies are not all in the financial business. Few are. Either way, E&Y is a sponsor, nothing more, what part of CHansen's quote do you not understand?

But once again, true to form you manage to divert the conversation to God knows what, 'cause I sure as hell don't. E&Y doesn't endorse UFirst any more than Toyota endorses the New York Yankees. Do you understand advertising, promotion, magazines that are articles that are paid placements? Do you understand that Shrek doesn't personally endorse the cereal that bares his name, he's only licensed the name to earn money?

You know what's most annoying about you? I didn't think so. You continue to attribute word to me I never wrote, and positions I don't necessarily hold. You've done that more than once.

According to you, you have license to extrapolate one's view on anything and state it as though the opinion belongs to the original author. That's called putting words in one's mouth.

Do you plan to ever take the conversation back to the scam you are selling? The scam that you agreed is not the fastest way to zero, lags DIY, is over priced, but has happy clients because they believe the remaining support staff at UFirst is 20X the 6 guys left. And they are all invited to your house for a Bastille Day barbecue. I got that right, or did I misinterpret something?

So JoeTaxpayer, I am finally starting to understand your silly game!

Let's see now...Xango, Monavie, MMA, etc...hmmmm! In other words, according to you, every single network marketing, consumer-direct, or direct sales product and/or service that has ever existed is a scam?

Alternatively, all products and/or services that are marketed via the traditional business channels are all legitimate and good value for the counsumer?

I thought dinosaurs died out long ago...I guess I was wrong!!! LOL

Jon - it's quite the distance between "the fair judges of an award sponsored by..." and "How on earth could Ernst & Young, (yada, yada) if the MMA system was flawed?"

Are you suggesting they also have a staff of biologists to check if MonaVie's claims are true? It's an award for selling (entrepreneurship) not for the end product. And the quote from non other than E&Y confirms that.

hi joetaxpayer..

based on what i have read on the judging process, these individuals that received awards are chosen based on credible information they got and from the observation on how they perform in the business world.. they are coming from well known companies who have served many customers and got good feedback from them..

the panel of judges that made the decision of selecting these individual to receive such awards are basing their decision on how well these people have run their company especially on their products.

i think what the judges' decisions are fair to all persons that could possibly receive the award.