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The Blog
  • Selling the Money Merge Acount from UFF

    One of our readers posted this, and it’s brilliant. It is the simplest possible way to break down what United First Financial is selling with its Money Merge Account. Question for the consumer: Would you rather pay $0 to save […]

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  • United First Financial: Sell Them With Deceit

    I’ve been critical of the United First Financial Money Merge Account for a few months now. My critique is simple: The program is not worth $3,500. It’s worth less than $100. All the MMA does is direct you to use […]

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  • United First Financial’s New Math (It’s Still Not Worth $3,500.)

    Guest post by Craig Hansen The fine folks at United First Financial (UFF) have come out with a new version of their Money Merge Account (MMA). It’s version 4, and it’s marketed as something that uses… factorial math! And promoters […]

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  • United First Financial Scam: You’re Using the Bank’s Money to Pay Down Your Mortgage

    Banking 101 – If you’re “using the bank’s money” it means you’ve borrowed it from the bank and you’re going to pay interest to “use” it. You don’t get to use it for free. The United First Financial Money Merge […]

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  • Ufirst Money Merge Account: Resistance is Futile

    One of the most common forms of “training” offered to members of multi-level marketing companies (also known as direct sales, pyramid schemes, dual marketing, networking marketing, etc) is Overcoming Objections. Why is that such a key? Because all of the […]

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  • Failure Rates in YTB and Other MLMs

    Noted MLM expert Robert FitzPatrick did a recent blog post on the YourTravelBiz.com lawsuit filed by the California Attorney General. He has a nice analysis of how and why YTB is nothing more than a pyramid. These multi-level marketing companies […]

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  • What Does Another Expert Say About Mortgage Acceleration Programs Like United First Financial?

    Don’t just take it from me and from Dave Ramsey. We think the mortgage accelerator program sold by United First Financial for $3,500 is a waste of money. We’re pretty smart, but are there other smart people who agree with […]

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  • United First Financial Lies: You Can Pay Off Your Mortgage Faster With No Change in Spending

    Probably the biggest single lie told by United First Financial “agents” is that you can pay off your mortgage faster than scheduled, with no change in your spending or lifestyle. That sounds too good to be true, because it is. […]

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  • Examining LifeLock Testimonials

    I’ve written a lot about what I think about LifeLock: That it’s not worth it and consumers shouldn’t waste their money. Even at only $10 per month, consumers are getting next to nothing. They certainly aren’t getting any meaningful protection […]

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  • $3,500 Wasted With United First Financial, Per Dave Ramsey

    I’ve had lots of comments on my thread here about United First Financial and Dave Ramsey. Dave is an absolute expert on credit issues, and he hates UFF. He says it’s a complete waste of money. (Of course, I agree.) […]

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