RumpleTumbler -
Sorry to hear about your crappy (pun intended) day . . . when it rains, it pours. You're getting the sh!tty stuff out of the way for better days ahead!
Navigator -
Haven't you and I been around this block before? Maybe I'm thinking of someone else. Anyway, yes . . . a person can get close to the performance of an MMA on their own. Let's say you're pretty hot with a spreadsheet . . . you might be able to get within 5% of the efficiency of an MMA. Most of my clients are on track to save over $150k in mortgage interest . . . some over $250k. Not only is 5% of $150k more than $3500, the MMA does it all for you, including coaching, lifetime customer service, and instant 'what if' budget projections. As for Dave Ramsey (and other do-it-yourselfers), the MMA fits exactly into his concepts. His comments tell me that he does not understand the system. He's (and anyone is) right to be skeptical of anything that sounds too good to be true, especially when it costs $3500. However, he makes the same incorrect argument that a person can achieve the exact same results on their own. If so, why aren't we all? MMAs provide an ease of use and an impetus to adhere to the plan that's nearly impossible for any one of us to achieve on our own. His other argument is that an MMA simply 'robs' all your discretionary income to pay your mortgage. It's exactly that comment that proved to me that he does not understand how an MMA works. Mind you, I'm not calling Dave Ramsey stupid . . . I'm just pretty sure he recieved a brief from a staffer who read a little about it. One of the more difficult to understand concepts underlying MMAs is the power of temporarily using the bank's money to your advantage. This one concept alone nullifies the arguments of the DIY types . . . how much are you going to borrow? How will you know you're borrowing exactly the most effective amount? Anyway, skepticism is good . . . name-calling ("sleazy"), not so much. Which brings me to . . .
"Captain"Pablo -
You are absolutely right to immediately be suspicious of something so 'against the grain'. However, by calling me a "jerk" and accusing me of partaking in a "Ponzi scheme", you've proven a couple of things about yourself. First, you do not know what a Ponzi scheme is . . . I'd suggest a little research. Second, you feel intellectually threatened by things you don't understand, and you strike out with an illogical degree of emotion at those 'threatening' you. If you'd like to know who's really running the "Ponzi scheme" (as you call it), look at your mortgage lender. You may not feel threatened by them because you think you understand how they work, but you've been lulled into the same false comfort most of us have. Look at how you lashed out upon hearing about something that goes against their way of doing things and instead works to the advantage of the consumer. We've all been playing by their rules all along . . . now, we don't have to.
To all -
Put me and, more importantly, the MMA to the test. I will run an analysis for you, and we can talk about it 'til all your questions and concerns are addressed. There is no charge for the analysis, and no commitment thereafter. A few things to keep in mind:
- Products like this have been available in Europe and Australia for decades.
- Most clients are running 20-25% ahead of their originally-projected savings.
- MMAs cannot be a scam . . . noone ever has access to any of your money.
- MMAs cannot be a ripoff . . . they come with a money-back, written guarantee.
- With over 20,000 MMAs sold in the less than two years the product's been in the U.S., there are no complaints to the BBB (or anywhere I've ever heard of) and over 98% client retention.
Stop playing by their rules and GET THE BANK OFF YOUR BACK!!!
