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  • Terry T Goff March 6, 2009, 9:22 am

    Yea Joe, you got it all figured out, don’t you……..and all the people listed below are a bunch of dumbasses who don’t know anything, right?? Now refresh my memory, who are you and what is your credibility??

    What the Experts are saying about United First Financial’s Money Merge Account;

    Brian Topor – 2007 ,Founder/Publisher of Broker Banker Magazine and BrokerBanker.com
    Andrew Wait – April 2008, Founder/Publisher of Personal Real Estate Investor Magazine.
    G. Edward Griffin January 2008, Founder of Freedom Force International, film producer, author, political lecturer and Certified Financial Planner.
    Douglas Andrew, Author of “Missed Fortune”, “Missed Fortune 101” and “The Last Chance Millionaire.”
    Glenn Beck, Host and star of the nationally syndicated radio talk and a host of CNN’s Headline News.
    Mark Victor Hansen, Co-author of the ‘Chicken Soup for the Soul’ book series. Author of The Power of Focus, The Aladdin Factor and Dare to win. Mark is also the President of One Minute Millionaire LLC.
    Ernst & Young, In July 2008. the founders of United First Financial received the Ernst & Young Entrepreneur of the Year 2008 award in the financial services category of the Utah Region.

    I think that I will believe them Joe !!!……………….. I rest my case.

    (Editor’s note – I received an alert that the links to discovermoneymerge.com are dead, so I removed the dead link from Terry’s name above.)

  • JOE March 6, 2009, 4:01 pm

    Well, Terry, as I discovered, most agents are not willing to discuss numbers, which form the basis of my approach. I offer a bit of math, you offer biographies of 6 authors, 3 of whom I find are paid speakers. For the right amount of money, Tiger Woods, Former President Clinton, or Billy Joel will speak at your function. It’s considered bad form for a paid speaker to bad mouth a product sold by the company who paid for their speech. The E&Y award, as mentioned many times across the web, was not an endorsement of the product, all in all it was pretty meaningless. My MMA Links page has counter examples of known authors who agree with me that it’s a waste of time and money. So does Kiplinger’s magazine. Have you heard of it? Aside from recognizing Glenn Beck’s name I’d not have recognized any other one you list if I weren’t actively debunking MMA.

    You can believe what you wish, but this is not religion, it’s math, and for purposes of this conversation, my credential is the A+ I got in fourth grade math class. More than that isn’t needed to understand MMA.
    I usually don’t resort to name calling, it’s one of the logical fallacies I try to avoid, along with “argumentum ad verecundiam” or appeal to authority. The product is garbage, so instead of improving it or admitting its failure, you attach names to it, as though these people bring relevance to it. Truth is, the fact that you resort to this just proves my point. The numbers speak for themselves.

    I added your agent link to your name, even though you chose not to disclose that you are not an unbiased poster, but another agent who has no reason to want to understand the numbers.
    (You rest your case? You made no case at all, Terry, sorry.)

  • JOE March 6, 2009, 4:41 pm

    Thanks for visiting, Craig, author of the best “Factorial Math” debunking post I’ve read.

  • Craig Hansen March 6, 2009, 4:03 pm

    Terry (UFirst agent #839271),

    Nice appeal to authority. Each of those endorsements has been explained. The magazines, in particular, are in the business of endorsing products for a fee. E&Y sponsor an entrepreneurship award, but do not review the nominees (you could ask E&Y|Ethics, but UFirst has told you not to). Glen Beck was paid to speak at a UFirst convention. The list goes on.

    You have chosen to believe promotional fluff pieces and marketing, instead of opening up your own software package and running some numbers. Your agent ID indicates you’ve been around UFirst for a couple years, at least. That you’ve been there that long and still don’t understand that the MMA is fundamentally flawed, is inexcusable.

    Joe has laid out just how underperforming the MMA is, complete with numbers right from the MMA software itself. To dismiss what we have been telling you all along was willful ignorance. To dismiss numbers from your own software proves that you’re nothing but a scam artist.

  • Craig Hansen March 6, 2009, 5:44 pm

    And thank you, Joe, for completely removing the “How would you know if you haven’t used the MMA?” argument from UFirst agents. Not only have you and I used it, but by using it you proved once again that the MMA sucks.

  • Happy Homeowner March 11, 2009, 11:06 am

    Joe, now that these silly programs have made it to late night infomercial (I have seen way too many), no one really needs to debunk the math/myth. Late night infomercials never pass the sniff test. MMA has many imitations, which I guess is the sincerest form of flattery. Copycats always show up when there is easy money to be made from hustling suckers. Thanks to you there will hopefully be a few less suckers and a few more informed home owners.

  • Eric Go March 11, 2009, 11:57 am

    Brilliant blog post Joe. It’s just about good enough to be the single entry on the FatWallet summary post in the threads discussing this scam.

    I have a compliment for the UFF people, too. The website is quite nicely designed, judging by by the screen shots.

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