10 Responses to “Can usability help pay off your mortgage?”


  1. 1 Fiscal Freedom Fighters April 14, 2009 at 11:33 am

    Excellent suggestions on how United First Financial can make the sales process much easier. I completely agree that it’s a fantastic tool for helping people pay off their debt in record time and if more people could experience it for themselves I believe it would be a no-brainer.

    Best of luck with your endeavor to be debt-free and I have no doub the Money Merge Account will be a valuable tool to help you achieve that!

  2. 2 joetaxpayer April 14, 2009 at 9:03 pm

    You can’t pay a mortgage off in 15 months without paying over 7% of the balance each month, no magic, just a lot of money. Why not google a bit? This product is a scam, plain and simple.

    • 3 krauseann April 16, 2009 at 9:13 am

      My financial advisor said “you don’t need software to pay off your mortgage early” and I have to admit she’s right–but I don’t think I could ever achieve paying off my mortgage in 3.5 years without this software to help me. It’s not about economics or budgeting as much as it is about human behavior and having the right information readily available to assist you in making better money decisions to reach a specific financial goal. Face it, most of us human beings don’t really know what the impact of our money decisions are–we often decide to go out and buy something on a whim, without thinking about how it will affect our financial goals. We also let our money sit around in our bank accounts without thinking about how to better use it to our advantage. Joanne obviously had enough money to pay off 7% of her balance every month–if she used it wisely and took advantage of the interest on her accounts, but without the software to help her, she probably didn’t realize how much she had and would not have achieved payoff of her mortgage in the quick time that she did.

      What the Money Merge Account software does is:

      It puts your goal in front of you and helps you know exactly where you’re at. People who keep track of their goals and the progress towards them achieve them. If you don’t have your goal clearly in front of you, you lose sight of it and get distracted by life.
      The MMA software acts as a map, a GPS system. Could you find your way without it? Perhaps, but the MMA software just makes it easier, just like the GPS system or map makes it easier to reach your destination.
      It gives you a clear action plan to reach your goal–and tells you the impact of every spending decision along the way with a “True cost” calculator.
      It tells you if you change your action plan exactly how that will impact your goal. Your payoff date changes as you make changes, so you can always see right where you are, where you’re going, and how much it is costing you to get there (the interest remaining).

      At the end of April, I will be making a payment of over $9,000 on our mortgage. That amazes me–it’s something I would not have achieved without this software. After using it for a while, I see it working and I have no doubt that we’ll have our mortgage paid off in 3.42 years (or sooner). Before MMA, the soonest I ever dreamed we’d pay it off was in 5 years–yet with that goal in mind last year (before we discovered the MMA software), we only paid $3,000 extra on our mortgage all year. It’s entirely worth the $3,500 to me to be sure that we will reach the goal.

  3. 4 James Oates April 16, 2009 at 1:58 pm

    I concur that this product is such a scam…it only saved me 22 years and $300,000 of interest…I have really had it with the Money Merge Account!

    Warmly,
    Jim
    http://www.JamesOatesIII.com

    • 5 Craig Hansen August 2, 2009 at 10:47 am

      Jim, you could have saved *at least* another $3500, plus interest, on top of what you are already saving, with less effort, and less risk.

      That’s the point. That’s why the MMA is a scam. It tricks people into believing the software is doing something for them. It isn’t. The $3500 fee is wasted.

      • 6 planetaryabundance August 25, 2009 at 7:48 pm

        Wow, Great Point Craig Hansen. It’s all a trick and everyone on it just thinks they’re saving money!
        I should go tell my mom right away – you’re not actually saving any interest! It’s just a trick!

        Hahahaha!

      • 7 Craig Hansen January 10, 2010 at 7:34 pm

        planetaryabundance wrote,

        “Wow, Great Point Craig Hansen. It’s all a trick and everyone on it just thinks they’re saving money!
        I should go tell my mom right away – you’re not actually saving any interest! It’s just a trick!”

        Here’s the next trick: James Oates III, who I was replying to above, has taken down his website. He can’t sell the MMA, either. If it really did save money like you say, it would sell itself. It doesn’t, UFirst agents can not demonstrate that it does, and it’s going down, just like all the mortgage scams that came before it.

  4. 8 Anthony Zaccheo August 13, 2009 at 12:54 am

    I need heip pay off my mortgage


  1. 1 Can Usability Pay off your Mortgage, part 2 « World of Usability Trackback on May 12, 2009 at 9:18 am
  2. 2 Can usability pay off your mortgage, part 3 « World of Usability Trackback on May 29, 2009 at 9:22 am

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