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The Blog
  • 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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  • Identity Theft a Huge Problem for Small Businesses

    TheStreet.com By Lan Nguyen Identity theft is a multibillion-dollar problem affecting 8 million people a year. But experts say it isn’t just a consumer issue. In the thousands of cases prosecuted by the U.S. Secret Service in the past six […]

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  • MonaVie: Scam or Not?

    The scheme: Typical multi-level marketing company, using the guise of “direct sales” to make the business look like a legitimate retail venture. The reality is that it’s nothing more than a recruiting scheme like Usana, Mary Kay, Arbonne, PrePaid Legal, […]

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  • LifeLock Is Watching Me!

    The people at LifeLock are on a serious mission to keep the company’s critics quiet. They even called me this week in an effort to “educate me” on the virtues of LifeLock so that I’d quit criticizing them publicly. So […]

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  • The Lifelock “Guarantee”: Talking Out of Both Sides of Their Mouth

    Here and on WalletPop.com (AOL’s personal finance site), I’ve been discussing a company called LifeLock. They purport to help people prevent identity theft. They’re slick marketers and they’ve really capitalized on people’s fears of identity theft. But I don’t like […]

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  • Suspect in Title Company Fraud to be Charged with Felonies

    In March I wrote about a case involving Parkview Title Service and a mom and daughter team that allegedly stole huge sums of money from it. In mid-2006, Bill Molkenthen (the owner of Parkview) believed that Bobbi Moths and her […]

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