Comments on: United First Financial agent compensation plan

By: Running Bear Knight

Running Bear Knight — Fri, 22 May 2009 06:00:43 +0000

Well if you like many other mortage scheme look at this it is the same pay me 3500 and I’ll show you how to reduce your mortage. Better than that pay me 10 bucks I will show you something better and you do not need a computer or a program to do it. For 10 bucks I can show you how to reduce your debt and mortage by 40% over 4 years..Even if you are living pay check to pay check. Better than that I’ll do it for free.

There are as of 5/22/2009 20 complaints on the BBB for U1st. 15 for non refunds, 1 for high pressure sales, check them out. DON’T give thema dime.

By: United First Financial broker numbers and earnings | Sequence Inc. Fraud Files Blog

Sun, 17 May 2009 16:16:34 +0000

[...] of how much money the UFF agents are actually making from selling the MMA software. The company pays out up to $2,500 on each sale of the [...]

By: JoeTaxpayer

JoeTaxpayer — Thu, 26 Feb 2009 13:09:40 +0000

Phil, you need to look back into your own heart. Your question implies you are quite the misanthrope. “Why do you care about others getting scammed, so long as you are not scammed?” is really what you are asking.
Those who are ignorant to the scam are still out a lot of money nonetheless. Just because they are too ignorant to understand this doesn’t make it any less a scam.

By: Tracy Coenen

Tracy Coenen — Thu, 26 Feb 2009 02:44:19 +0000

Phil – I’ve done an objective evaluation of the product, its costs, its features, and its results. Based on that analysis, I determined it’s a very bad product for customers. This is very similar to the way I determine that cancer is a bad thing to have, even though I’ve never had cancer myself. Evaluate the facts.

By: Phil

Phil — Wed, 25 Feb 2009 20:43:37 +0000

It’s funny. The only complaints I read about are from people who do not use their service. So how can you complain about a service that does not affect you in a negative way but helps someone else in a poistive way?

By: Late2Game

Late2Game — Mon, 09 Feb 2009 16:48:10 +0000

Gillian Reed,

It sounds like you have a lot of knowledge about some of the workings of company and management. If you don’t mind, whose “parents” were in the same church that Skylar Witman goes to and received a promotion? While I’m not an agent, I have heard that sales were very slow Dec-Jan and the company recently cut back on operational staff. I can’t believe that management in their right mind would allow a non-working update to be released (Version 4.0). Makes me wonder how any of their other offerings will compare (ie UDeduct, the home business Tax Deduction tracker).

By: Tracy Coenen

Tracy Coenen — Mon, 09 Feb 2009 00:48:16 +0000

The software should be free, since it offers no advantage over a simple spreadsheet that takes less of the consumer’s time and effort, and offers more interest savings than UFF MMA. The savings you have made on your mortgage have nothing to do with the software. Your savings are solely because you put extra money toward your mortgage. And you paid $3,500 to do so. You’ve flushed money down the toilet. You could have saved more, for free.

By: Lisa

Lisa — Sun, 08 Feb 2009 22:39:41 +0000

I would like to know what exactly founded your conclusion that UFirst’s product is ‘useless’? How do you explain the thousands of clients who have already paid down over 1,600,000 in interest in using this product? They certainly would not agree with your conclusion that the product is useless and neither do I! What do you think a product should cost that helps you save $55,000 in interest and cancels out 6.5 years worth of mortgage payments in just 3 months of using it- all using the same money you’ve always had? What do you think a product should cost that gives you a 3800% return on your investment (ROI)? That’s exactly what the Money Merge Software was able to give my middle-income family. If we continue to follow our software – we will have saved over $168,000 over 7.8 years instead of the 29 we were originally facing. As an actual client of this software, I can assure you the Money Merge is NOT inflated solely to pay those involved in the sale, but rather because of the value it brings to the user! Where else can you get that kind of return on any investment?

By: Gillian Reed

Gillian Reed — Sat, 27 Dec 2008 00:49:25 +0000

Take a look at middle management, uneducated know nothings searching the internet for ideas on how to run the company, the call center better. And how about bringing in entire familys, husbands, wives, children, sisters, brothers. Bringing in entire familys who rise to management within 90 days. If your lucky your parents will be in skylers ward and you’ll suddenly be given a promotion and pay increase, it’s almost incestuous…the commission schedule changes regularly which also provides nathan the accounting manager the ability to cheat agents out of promotions, points, and money, all with a pat on the back from upper management. Someone mentioned that 100% money back, well the only way you will see a dime back is if you make a complaint with the better business because they want to keep there name out of that office at all cost, or threaten with an attorney, other wise the 3 day right to recision starts the day you have access to the software, now you may not have your first coaching for a week and by that time your 3 day right to recision is done. The 100% is only if the software does not perform as advertised, so there is no real 100% money back. Now lets look at those folks in client support who are coaching you on your financial software. Most are uneducated, some are college students, but the majority are those who can’t find a job elsewhere or are happy not to continue working at JC Penny or some other retailer at the mall for 6.50 an hour. And I don’t want to leave out agent support, please don’t get the idea one department is anymore or less than any other and management raises out of this crop. Support agents recieve no formal training regarding training clients on there software, employees teach themselves and each other and then teach clients. Agent support is no different, there are no classes on the analysis, no manual, what may be true today may not be next week. Now consider when 4.0 came out, it didn’t work and they new it and sold it anyway. Yes you heard me correctly, it didn’t work, but those at the home office were instructed to use words like updates, to explain why the software didn’t work.
But it’s a money maker, they even have an in house attorney now who makes it clear ya better not leak home office out of office.

By: JoeTaxpayer

JoeTaxpayer — Sat, 29 Nov 2008 19:51:04 +0000

Hannah goes on like most who have drunk the Kool Aid, and it’s obvious
some agent must be proud.
She claims not to have $500/mo yet will still have a 10 yr or less
payoff. She was convinced that the random nature of her income makes
anything ‘free’ useless, yet MMA will keep chugging along for her.
Hannah also believes it takes five hours a day to do what MMA does.
Excellent job, agent-man. I bank on line, and am paid (as is Mrs
TaxPayer) every other Friday. If I spend more than 10 minutes every
Saturday morning, it’s a lot. I love hyperbole as much as the next guy,
but if you think those of us who prepay their mortgage are actually
spending time on it every day, some serious deprogramming is called for.
She knew enough to throw in my favorite MMA word ‘factorial’
math. Now, if you have those other debts, why were you prepaying the
mortgage at all? If you really need software to tell you that you should
pay more towards the 20% card than [extra towards] the 6% mortgage,
perhaps MMA was actually the right product for you. By the way, does MMA
account for the after tax cost of money? You see, when you line up your
debts you need to look at them in order of real cost. The mortgage may
or may not be more expensive than the student loan. The 0% teaser rate
credit card should be targeted for payment coincident with the rate
expiring. I am asking you – does MMA account for these things?

Joe