Well Jon, as most agents do, you’ve spouted rhetoric which is pretty meaningless, as well as some things unrelated to anything. Talk show move? Is this a post on one topic or “open mike night”?

I’ll comment on your one remark above that caught my attention. My, or anyone’s, spreadsheet does take a monthly visit to update, if one wishes. MMA requires a visit to the software for any purchase or check that comes in. The level of effort to work your simple system is anywhere from 10 to 100 times the effort actually needed to see the results. When one agent described how one can now text message the software to decide if today is a good day to buy the steak that’s on sale and get an instant reply, I couldn’t help but ponder the existence that a client would endure having to query a system to make a $50 decision.

I’ll leave you with one question, Jon, if people don’t save every month, where does the money come from to pay down their mortgage? And if it’s from their HELOC, well how does that get paid back? If their spending is greater than their income, no system, even if free, would help them.

You wrote, “The MMA has over 50,000 clients.”

I’ve seen claims as high as 120,000. 50,000 clients is very interesting, because we have the master agent list, and there are 60,000 agents. Here, go find your own name and agent number in the list:

http://www.sequence-inc.com/fraudfiles/2008/11/18/united-first-financial-broker-numbers/

60,000 agents for 50,000 sales? There’s a word for that kind of success: Failure.

You’re right. Consumers need a simple proactive tool to help them. Like the free spreadsheet my readers keep offering everyone. It costs nothing and is far more efficient in terms of the amount of time it takes to use the “tool” and in how quickly a consumer can pay off debt using it.

You’re proud of yourself for spending $3,500 to allegedly save $370,000. You could have spent $0 and saved $390,000. But what’s another $20,000 to a smart man like you?

These people here were very quick to use words like dumb and idiot to describe your potential decision which shows me their intent is to validate their inaction rather than guide you with wisdom.

The examples here are absurd as they are based on a clear misunderstanding of how compounding and simple interest work differently.

The MMA has over 50,000 clients. The beta program lasted one year and included 400 families. 397 of the families continued using the product after the beta.

That is amazing retention for a financial services product aimed at consumers.

More info: http://www.americanchronicle.com/articles/view/46110

Many people here seem to think MLM is a scam. Does a talk show become a scam when it moves from FM to AM radio? Don’t fault the medium people, fault the message.

Pre-Paid Legal, Mannatech, iLearningGlobal, and a host of other tremendously valuable services are offered via MLM in the same way that cars, electronics, and professional services are offered through commissioned salespeople.

Lose the MLM allergy and do the math.

The US has the lowest savings rate in our history with the highest average consumer debt. If MMA can help people get a grip on their situation and do it with a 10,000% ROI it is a gem.

Remember, just because someone CAN do something, doesn’t mean they WILL. You CAN put hundreds away in savings every month but you don’t. You can create a budget in OpenOffice and update it every month but you don’t.

The bottom line is 90% of us need something VERY simple, proactive, and already created for us to just step into.

Making a purchase like this should not be considered based on whether it is expensive or cheap. It should be considered on whether it is VALUABLE.

My conservative estimate is I will be paying $3,500 for $370,000 in interest savings – and it’s backed with a guarantee.

I would be dumb not to consider this option.

Maybe you’re like me Roo.

And maybe you are too…

My first set back was shocking! I was unable to obtain a HELOC. Then there was an upgrade of the software and now you do not need the HELOC but reserve cash, like Joe mentioned, extra spending money each month. However, I was hesitant about using half my emergency cash reserves to purchase this software. After reading all your comments, I think it is best to leave MMA along and like Joe stated, apply an extra $100 or so to my mortgages. Joe, can you please send me a copy of the spread sheet? Everyone, thanks for all your excellent and convincing comments.

Can anyone recommend other blogs which focus on building business credit?

The MMA scheme, the heloc voodoo, is like a Poison Cookie… it looks sweet and tasty, but anyone who knows the truth will not eat it or even touch it. Anyone who knows it is poison should grab their neighbor by the collar and say “DONT EAT THIS MMA CRAP, IT’S POISON”.

Kudos to Tracy and all the experts who are speaking up, educating the public, and exposing the deception and lies of the UFF/MMA SCAM! It a duty of conscience, and a shame more citizens don’t follow the example.

http://www.theage.com.au/news/property/smoke-and-mirrors/2004/09/28/1096137225560.html

Additionally, I call bullshit on you not having time to read. We make the time for the things that matter to us. Your local library will have plenty of titles on debt reduction and money management. If you actually care about your future you’ll make time to educate yourself.