How do I fly for a living when I can't afford it?

[navigator72]

Get a camera and shoot some aerials. It keeps you flying and is a great way to make a few hundred bucks an hour.

 

[TOGA]

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!!!

 

[TWA]

Please enlighten us on how exactly the system works. $3500 for a piece of software sounds kind of steep.

 

[avbug]

Coming on here to sell something, particulary hawk your own interests, is not appropriate.

 

[TOGA]

TWA -

Please take the time (about 50 minutes) to watch the "MMA Video Tour" on my website. It's thorough and detailed . . . it does a much better job of explaining how the system works than I can do in this context. I'm not being evasive, it's just a difficult concept to get your head wrapped around. If 50 minutes is a bit much to ask, try this 15 minute, less detailed version: http://www.unitedfirstfinancial.com/Portals/2/Flash/15_minute/ If you have specific questions, I'll gladly answer them here, if you like. Yes, $3500 is a lot of money, but even if you're just squeaking by, this system will more than pay for itself within a couple of months. Not only that, but the $3500 isn't 'out of pocket'. By all means, contact me if I can shed any more light on any aspect of it.

Avbug -

Generally, I would agree with you. I was attempting to address the subject of the thread. This is a phenomenal 'side job' opportunity. It can be done at work or at home, around a flight schedule. No, I don't make any money for recruiting salespeople. Furthermore, I'm sure I sound like a 'snake oil salesman' in saying this, but . . . the vast majority of American homeowners desperately need exactly the help this system provides. I'm "hawking" in the best interest of all of those people. Yes, I make money selling this product. However, for every penny I make, my clients save a dollar (usually much more).

 

[navigator72]

TOGA: Where do you make your money from on this deal? I assume you probably get a cut for each software package you sell?

 

[TOGA]

Correct . . . and the size of the cut depends upon one's cumulative total number of sales.

 

[rumpletumbler]

It seems to me that if someone had the kind of money you would need to have to spend that much money on a software package that someone else would be handling their finances anyway and should have already exhausted every advantage. We're talking people with mega bucks here right? I'm just a poor boy though, what do I know?

 

[Talian]

Sleazy? YES.... Illegal? NO
If you google this company and see what it offers, you will quickly realize how easy it is to do this yourself and not pay this company $3000.
.

Here is a sample quote from a financial website:

"There are many companies that are charging consumers upwards of $3,000 to start using a money-merge account. Considering that you can accomplish the exact same thing by paying off extra principal on your mortgage each month for literally nothing, $3,000 is tantamount to highway robbery."
http://www.americanconsumernews.com/2007/09/money-merge-accounts-just-say-no-thanks.html


here's another sound byte response from the Dave Ramsey financial radio show regarding this mortgage plan (turn the speakers up)

http://a1611.g.akamai.net/f/1611/23...e/General/1300_110507_money_merge_account.mp3

First of all the guys trying to make a living. Why would anyone want to get involved in the mortgage scam business nowadays. Look what they did to the housing market (them and stupid greedy buyers). If there is any profession lower on the scum scale I cant think of anyone . As a business owner in Arizona the only people who have ever stiffed me were mortgage companies and the occasional realtor.

 

[TWA]

Does the market suck right now? Yes. Were there lots of loans given out that shouldn't have been? Yes. Should the government bail out the homeowners and banks? NO!

It is the governments fault (or the fault of the rest of the American People) that some people didn't read the dotted line, and some banks didn't do credit and income checks. The market will correct itself, and create a very good market for people actually in the position to buy a home.

This has really turned into a nice thread hijack, let's get back to the original topic.

 

[TOGA]

Rumpletumbler -

The only things required to make the system work are some equity in your house, and spending less than you're making.

 

[nosehair]

to find my dog in her crate standing on 3 legs with like 2 inches of diarrhea over the entire bottom of the crate (it's a big one) with some tonnage deposited

Thanks for the visual images. With a talent like that, why don't you write for Family Guy?

 

[navigator72]

Spending less than you make is the key.

 

[WabiSabi]

To the "Agents"; In all of my Google searches, forums, non profit financial advisers etc. there is a general consensus that the software is not worth anywhere near $3000 or $3500 when one considers that with just a little effort to educate oneself with a little discipline can be just as efficient at paying down your mortgage. The only disagreements are from people selling the software. There are even some advisers that say that mortgage debt is a good thing.

Pay the 3500$ towards your principal and forget the software. Otherwise, I'll give you a hundred bucks, no more. PM me if you're interested.

P.S. The ironic thing is that many folks would probably pay for your software with a credit card and carry the debt for a while

 

[navigator72]

[

P.S. The ironic thing is that many folks would probably pay for your software with a credit card and carry the debt for a while[/quote]

That's so true it's not even funny.