In doing my own research on this product and using it for 5 months, I’ve already saved almost double what I paid for it. I was unable to find a negative comment by anyone who was actually using the product. In fact I only found negative statements by people who I suspect were competing with the product. I came to this conclusion as I could find no one who was actually using it….complain. It seemed everyone was well on their way to saving a lot of money.

Yes, one can do it themselves if they’re a walking calculator. Personally I don’t have the time…nor the talent to do so, PLUS I could never derive all the other benefits of this product. IE: On the fly, it will calculate the amount of interest and months added on to my debt every time I enter a potential purchase. This feature alone helps me make better buying decision (and stops domestic quarrels, which alone is worth the price of the product

There is a treasure of other features this program offers me…but alas… I’m out of time

I would close by advising people to do a “thorough” research into the product and see for themselves. UFF will do a free analysis for clients and it comes with a guarantee. So where’s the loss?

As for me, I’m a do-it-yourself type. I have implemented the same system behind the MMA to payoff my debt. I read a few books by a few UFF competitors and figured out how to do it on my own. I am also a computer programmer. To assist in my efforts, I created a computer program that generates estimates of payoff times and interest savings from the “HELOC Shuffle.”

I too an put off by the negative postings about the MMA. I don’t think many of the negative posters have done their homework either. If you don’t like MLM’s, fine. If you think that $3500 is a ripoff, I understand. (For my situation, $3500 was a ripoff too.) But what gets lost in all this negative hype is that there is a very useful system behind how the MMA works that can actually be used to reduce debt quickly. And the majority of the negative posters are so blinded by their negativity that never actually take the time to realize what could be accomplished with this system.

Did you know that the HELOC Shuffle can actually pay off debt more cost effectively then just making regular extra payments? I actually didn’t. I didn’t even think it was possible that it could. Then I used my tool to do the analysis and learned some that surprised me (and I already implemented the system.) The results of my analysis can be found here: http://www.mydebteliminationcalculator.com/gpage16.html

TUDrewser points out some of what can go wrong. This system is not without risk. (But then was getting into debt risk free to begin with?) The HELOC Shuffle is definitely NOT the system to implement if you don’t have your spending under control. Before implementing this system, you need to do your homework and analysis to determine if this is right for you.

Add my name to list of people that found value in the system of the MMA (while not the actual MMA itself.)

In the end, I think the whole UFF MMA product boils down to the old golden rule of “If something sounds too good to be true, it probably is”.

“Well, putting extra money to pay down your mortgage seems to be true…. and it sounds good” I don’t get the parallel.

The promise of the UFF MMA program is to cut your mortgage time in half resulting it ten to hundreds of thousand dollars in savings, all for a small investment of $3,500. Sound to good to be true? Sure does to me.

“To allay your fears….there’s a money back guarantee. You might want to consider why a company would offer a guarantee if their product didn’t work”

If this is such a great and wonderful product, why isn’t it more common place? Why isn’t it offered by more reputable financial institutions? Why is it being marketed to me via homemade fliers passed out by my son’s football coach? (that to me is enough to scream possible scam).

“Again. Research. This product is only 4 years old in NA and 2 of those years were pilot projects (Not marketed) When the pilots were finished (and by the way VERY successful…. 98% were still using the product and 15-20% ahead of plan) the marketing began. Variations of this product have been used with success in Europe and Australia. UFF has just opened it’s doors in Canada where it is being widly received (Canadians are big savers)

In the few hours I spent researching the product, there were far more people speaking out against the product than were for it. Most of those speaking in favor of it had some type of financial gain with the product. In one thread I was reading (which I won’t link to) the guy, whom I’ll assume was a distributor, was linking to information about the UFF MMA program and the link was an affiliate/referral link!

Perhaps doing reasearch from blogs etc, perhaps you should contact the Better Business Bureau who does not have one registered complaint from a user. If you’re going to set yourself up as an “expert”, perhaps it might be adviseable to use “reputable” sources for your research. It eliminate you being thought of as foolhardy.

While it may not be a scam from a legal or purest aspect, it’s close enough for me. Personally I’m staying far away from it, but I would encourage you do spend time on the internet researching the programs and maybe even talking to some finance professionals before you make any final commitments

“A very subjective comment. Again, I’m questioning the authenticity of your ability to research objectively. There are too many “personal” statements….well…enough for me to wonder about where your interest lies”

I figured out the numbers in Excel WITHOUT the software and my wife and I started doing this. Over a course of 5 months we were able to pay down an additional $10,000+ off our mortgage. The math works…it’s the “magic of compounding interest” in reverse, along with the idea of lowering your ADB and thereby lowering your interest.

However, HERE’S THE PROBLEM: Despite our high credit rating, despite the history of paying down the HELOC, and despite our great relationship with the bank, the bank SUSPENDED our HELOC shortly after our entire month’s paychecks had been deposited into it. Not because of us…it was simply an across the board freeze on all HELOC’s due to the decline of housing values. We were left with about $200 in our checking account because we were putting all our money toward the HELOC to lower our ADB. At the time it was no big deal because if we needed emergency cash, we had the $10k we could pull that we’d already paid off. But, that doesn’t work when the line is frozen. So with $200 in our checking account and a $4,500 credit card bill (all that month’s expenses), we were forced to start completely over from scratch.

We had no idea that our HELOC could even BE frozen. THAT is what UFF will not tell you. By doing this program you are taking a risk…an unlikely risk, but a major issue should that risk be realized. “The borrower is SLAVE to the lender” (emphasis mine). We are living proof of being slaves to our bank!

Look, it seems you drank the kool-aid and now spend time defending your decision to make yourself feel better. That’s fine and I’m glad you are happy with the decision you made.

With that said, my article is factual and based on real information gleaned from numerous legit websites and from discussing the product with a few ex-UFF MMA people that gave me the “real scoop”. I also discussed the issue with a number of mortgage people I know as well from 2 top 5 lenders to get their scoop on the product.

As for tarnishing hard working people…I just stating the facts.

So one last comment…a UFF MMA salesperson helped you “wade through the mire of the kind of garbage” I’m dishing out here right? Maybe that should tell you something. Do a little reading on these programs across a number of other top blogs and see if you don’t find a consistent message.

Blessings and Peace to you as well.

The Bible sure sells a lot that sounds too good to be true–eternal life for doing nothing but accepting God’s gift of Jesus? Sounds too good to be true too doesn’t it?

I am not a UFF saleperson. Just a stay at home mom with a heart to help others.

Upon researching the MMA ourselves 6 months ago, we came across a lot of negative sites like yours and had a healthy dose of skepticism. I am sure that you are a good willed person with the intention of helping others, but please consider what affect your uneducated assessment is having on honest hard working people who have invested much more than you into really understanding a company and product. When we were first doing our research about MMA, my husband and I found upon further examination of the negative comments–a curious pattern–NONE of the negative people were product users! Hu? That’s right. Of the people we talked to USING the PRODUCT not ONE had anything but rave reviews to say about the UFF MMA. As expected, I see that all of you naysayers on this discussion are people who don’t even own the MMA product! Please consider that what is posted here–on a site that looks like it has some Biblical or moral conscious–is disrespectful, dishonoring, spiteful and downright evil. Assuming you and your readers are Bible reading, God fearing people, please refer to Matt. 7:1 “Do not judge, or you too will be judged.” When making accusations and placing labels such as “scam” “con”, “scheme” etc. please consider that it’s, well, just not nice.

You have influenced people to make assessments like “these scam artists make me mad.” What makes me mad is people like you who damage the reputation of a wonderful, reputable company and hard working, honest sales people, just like any other commissioned salesperson when you don’t even know what or who you’re talking about. As far as the MLM piece, your description is also incorrect, UFF is not an MLM–there is no residual payout because it is a one time sale–just like you pay to your car salesman. And before you judge that $1200 is a lot of commission–how much would you pay your real estate agent? Let’s see, 6% commission on a $200,000 home–that’s $12,000! And what return on that investment do you get–NONE! My husband and I purchased the MMA software a few months ago and we LOVE it! It has been an answer to prayer for our debt situation and given us and many people we know new hope and a new future and has WAY over delivered, NOT over-promised. In fact, pilot users are paid off about 20% sooner than projected and 97% of the people are still on it and LOVE it. God bless the wonderful people who brought the UFF MMA program here and have had to fight the uphill battle to see it through and get it to people like us. Our life has been changed because of it. It does work–we know someone who finished the program in 2 years. There is also a FOX newsclip that shows that their own finance team tested it and also agrees that it does work. So what if it costs $3,500? That’s peanuts to save the hundreds of thousands that we’re going to.

Yes, I agree disciplined living with your finances and never incurring debt in the first place is the best way to go, but why all the unfair judgment about a system that is helping give good people, like us & thousands others, a little bit of grace? How many people know that they need to eat right and exercise to be healthy too but who does it consistently–NOT MANY PEOPLE! By our very human nature we need someone to help us develop daily habits. That’s why people join gyms and weight watchers to get and stay healthy–of course they know what to do, but doing it is not nearly as easy as it seems! Similarly, the MMA is a vehicle to guarantee success at the end of the race. It is in my humble opinion, extremely arrogant for you to assess a tool that you have no working knowledge of.

You are sowing some very vicious seeds here sir and hurting a lot of good people. “for whatsoever a man soweth, that shall he also reap.” (Galatians 6:7 KJV)

Please reconsider directing your commentary towards an MMA agent who has the knowledge and expertise to help the people who are trusting your biased judgment. I would be happy to send you to the person who patiently waited for us to wade through the mire of the kid of garbage you’re dishing out here and to get our heads on straight and make the best investment of our lives.

Blessings and Peace,

Rebecca

(I’m done ranting now.)

It’s not a scam, it’s a ripoff – a dumb tax, if you will. All it does is pay down your mortgage FOR you with YOUR money! You can do the same thing by paying extra on your principle, without paying $3500 for “magic software.”

The only way to put more money onto your house balance is to make more money or spend less, or both. All the software does is tell you how to move your money around. But unless you’re earning more money or spending less money, and using the difference to PAY OFF YOUR HOUSE YOURSELF, the software won’t get you anywhere.

And when it’s as “simple” as making more or earning less, why on earth would you pay $3500 to be taught that?

It is morally corrupt that they would sell this and I think of UFF MMA as the same as the payday loans companies – exploiting the less educated, one poor sucker at a time.