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  • Joe Taxpayer’s Five Part Money Merge Analysis

    Haven’t gotten enough of the cold hard reality that United First Financial’s MMA is inferior to a very simple (and free!) do-it-yourself prepayment of your mortgage (which only requires you to pay extra on your mortgage once a month)? Joe […]

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  • The UFF Money Merge Account Money Shuffle Explained

    Guest post by Joe Taxpayer As I looked at multiple United First Financial agents’ sites, I found the common thread was the claim that one simply can’t do this on their own, that the shifting of funds from a checking […]

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  • The United First Financial Limited Guarantee

    A comment today by one of our readers on this thread prompted me to take a look at the United First Financial money back guarantee. If you’re a customer of UFF, good luck trying to get your money back. Sure, […]

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  • 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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  • 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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