Who Is Making Money As a United First Financial Agent?


uffNot many people, that’s for sure. As with any multi-level marketing company, a tiny fraction of people at the very top of the recruiting pyramid make some money, and everyone else makes little to nothing.

Here are the numbers posted on a UFF agent’s website in August 2008 (click to see full size): Continue reading

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.

Simple math debunks this claim. Think about it. If you’re currently paying $1,500 a month on your mortgage and you’re scheduled to have it paid off in 30 years, how would you pay it off earlier? The only possible way to do that is to pay more than $1,500, right? Continue reading

United First Financial Agent Compensation Plan


In researching United First Financial and the Money Merge Account, there weren’t many sources of information on the compensation structure for agents. What I do know is this: The official corporate website does not mention “the opportunity” or “business opportunity,” as most other multi-level marketing companies do. I came to the conclusion that the company doesn’t want to be labeled as a MLM or potential pyramid scheme.

The logic is obvious: Consumers are becoming more educated about the pitfalls of MLM. They realize that because the company has to pay so many levels in the food chain of an MLM, the actual seller of a product receives relatively low compensation. If the company wasn’t worried about building and paying the pyramid, there would be far more money to reward and compensate the actual seller of the product. Continue reading