Ken Clark

Certified Financial Planner



United First Financial - Looks Like a Waste of Money to Me

January 13th, 2009 by Ken Clark

Anyone who knows me knows my passion for seeing people experience freedom from debt and financial stress. They also know that there are few things that anger me more than programs that promise to solve all your financial problems for one low fee.

Naturally, when I received an email from some guy wanting to tell me about this amazing program (United First Financial’s Money Merge Account) that will shave years off my mortgage, the red flags went up. I became even more alarmed when I realized that the “Money Merge Account” isn’t really an account at all, but web-based software that can cost up to $3,500 to access.

What does the software do?

In the end, nothing different than what prudent people have being doing for decades for free - using their discretionary income to pay down their home mortgage principal. Of course, this software encourages you to do arguably foolish things like taking out a home equity mortgage to try and speed up that process (even though many people may not realize they can’t even qualify for a HELOC until after they’ve spent the $3,500 for the software).

But, to be fair, I asked the guy to send me a demo of the software. He indicated however, that the only way I could have access is if I did “a demo call” with him. When I told him that I don’t have the time to sit through a demo call and that I would only review the product if given full access on my own time, he chose to pass.

That’s not very encouraging from a company that claims their product is changing lives. I’m not sure what kind of sales training they’re giving these guys, but that pretty much killed it for me.

Turns out I’m not the only one. Check these links out:

Personal finance author Dave Ramsey gets into it on air with a completely clueless (you almost feel bad for her) lady trying to pitch this program.
Listen Now.

Kiplinger’s Personal Finance Magazine article encouraging consumers to avoid this program.
Read Now.

In the end, if you’ve got $3,500 to spend, don’t send it to United First Financial. If anything, go buy a $50-$100 personal finance program like Quicken, which does essentially the same thing, and send the rest of that $3,500 in to pay down your mortgage. My guess is, five years from now, you’ll be reaping a lot more rewards from that than from signing up for the Money Merge Account system.

This entry was posted on Tuesday, January 13th, 2009 at 12:30 pm and is filed under Debt Management, Scams. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

187 responses about “United First Financial - Looks Like a Waste of Money to Me”

  1. CHARLIE said:

    ████████►BUY CIALIS◀████████…

    ▲▲▲▲▲▲▲▲▲▲▲▲▲▲▲▲▲▲▲▲▲▲▲▲▲…

  2. TODD said:

    buy pure acai berry

    Buyno prescription…

  3. GUY said:

    symbicort vs advair

    Buyno prescription…

  4. TERRANCE said:

    Abilify

    Buygeneric meds…

  5. RICARDO said:

    fosamax@actonel.now” rel=”nofollow”>.

    Buynow…

  6. CHRISTIAN said:

    Avelox@official.site” rel=”nofollow”>…

    Buyno prescription…

  7. RAYMOND said:

    Cozaar@official.site” rel=”nofollow”>..

    Buynow it…

  8. CLINTON said:

    viagra@prescription.online” rel=”nofollow”>..

    Buygeneric meds…

  9. WENDELL said:

    buy@Viagra.now” rel=”nofollow”>…

    Buywithout prescription…

  10. JON said:

    < a href=”http://my.gardenguides.com/members/buy-Tramadol? buy@tramadol.best.price.online

    Buyit now…

  11. BRETT said:

    Buynow it…

  12. DENNIS said:

    Depakote@official.site” rel=”nofollow”>.

    Buygeneric drugs…

  13. JESSE said:

    is@sun.pharmaceuticals.depakote.good.quality” rel=”nofollow”>.

    Buyno prescription…

  14. TRACY said:

    side@effects.of.zyrtec.overdose” rel=”nofollow”>.

    Buygeneric meds…

  15. CHRIS said:

    Verapamil

    Buygeneric drugs…

  16. KEITH said:

    Voltaren

    Buygeneric drugs…

  17. ARTHUR said:

    other names for trazodone

    Buyno prescription…

  18. KYLE said:

    alternative for warfarin medication

    Buynow…

  19. LONNIE said:

    quinapril

    Buyit now…

  20. SAM said:

    Yaz

    Buywithout prescription…

  21. EDWARD said:

    Yaz

    Buywithout prescription…

  22. KARL said:

    Vitamin B

    Buydrugs without prescription…

  23. RONNIE said:

    leg swelling lasix

    Buyno prescription…

  24. PAUL said:

    zoloft works

    Buygeneric pills…

  25. DONNIE said:

    yaz plan b

    Buydrugs without prescription…

  26. CLINTON said:

    Vitamin E

    Buygeneric drugs…

  27. MAX said:

    is there a precition face cream that’s better than ketoconazole

    Buydrugs without prescription…

  28. MIGUEL said:

    claritin eye drops

    Buygeneric drugs…

  29. RAFAEL said:

    Eye Drops

    Buynow…

  30. STEVEN said:

    Risperdal

    Buygeneric meds…

  31. AUSTIN said:

    risperdal and luvox loss of libido

    Buydrugs without prescription…

  32. CLINTON said:

    Purim

    Buyit now…

  33. OTIS said:

    how much benadryl to take with zyrtec

    Buydrugs without prescription…

  34. PETER said:

    buy orlistat alli

    Buygeneric drugs…

  35. JULIO said:

    savella cheap canada

    Buyno prescription…

  36. JULIO said:

    Synthroid@Synthroid.Synthroid” rel=”nofollow”>.

    Buynow it…

  37. FREDDIE said:

    Symbicort@Symbicort.Symbicort” rel=”nofollow”>…

    Buynow it…

  38. CARL said:

    Skelaxin@Skelaxin.Skelaxin” rel=”nofollow”>..

    Buyit now…

  39. ROGER said:

    Purim@Purim.Purim” rel=”nofollow”>..

    Buywithout prescription…

  40. DOUGLAS said:

    Clonidine@Clonidine.Clonidine” rel=”nofollow”>…

    Buyit now…

  41. DANNY said:

    Prozac@Prozac.Prozac” rel=”nofollow”>…

    Buyno prescription…

  42. ALBERT said:

    Seroquel@Seroquel.Seroquel” rel=”nofollow”>…

    Buydrugs without prescription…

  43. SHAUN said:

    Buygeneric meds…

  44. CHRIS said:

    pyrantel@pamoate.to.kill.acanthocephala” rel=”nofollow”>..

    Buygeneric drugs…

  45. DONALD said:

    Buywithout prescription…

  46. RODNEY said:

    Buygeneric drugs…

  47. DAN said:

    Buygeneric drugs…

  48. JACOB said:

    celexa@and.mda” rel=”nofollow”>…

    Buygeneric drugs…

  49. SALVADOR said:

    quick@detox.from.pain.meds” rel=”nofollow”>..

    Buyit now…

  50. TERRY said:

    claritin@helps.poison.ivy” rel=”nofollow”>…

    Buydrugs without prescription…

  51. NICK said:

    when@will.i.ovulate.after.using.clomid” rel=”nofollow”>.

    Buyno prescription…

  52. JIMMIE said:

    .

    Buyit now…

  53. GEORGE said:

    .

    Buyno prescription…

  54. IVAN said:

    difference@between.medrol.and.prednisolone” rel=”nofollow”>…

    Buywithout prescription…

  55. CLIFTON said:

    ..

    Buyit now…

  56. MARK said:

    is@dexamethasone.steroid” rel=”nofollow”>..

    Buyit now…

  57. DAN said:

    prozac@and.diflucan.drug.interactions” rel=”nofollow”>…

    Buygeneric drugs…

  58. DON said:

    how@to.avoid.weight.gain.when.taking.elavil” rel=”nofollow”>…

    Buygeneric drugs…

  59. MARCUS said:

    aloe@vera.juice” rel=”nofollow”>..

    Buynow it…

  60. WARREN said:

    maximum@dosage.for.pristiq” rel=”nofollow”>…

    Buyit now…

  61. RICK said:

    arava@institute.for.enviornmental.studies.dr.elaine.solowey” rel=”nofollow”>..

    Buynow…

  62. EDWIN said:

    cymbalta@and.elavil.interaction” rel=”nofollow”>.

    Buygeneric pills…

  63. ROLAND said:

    best@ay.to.take.extenze” rel=”nofollow”>…

    Buyit now…

  64. FRANCISCO said:

    femara@and.hives” rel=”nofollow”>..

    Buyno prescription…

  65. KEVIN said:

    prilosec@and.pepcid.and.carafate.for.dog” rel=”nofollow”>.

    Buywithout prescription…

  66. HARVEY said:

    flexeril@gain.weight” rel=”nofollow”>.

    Buygeneric drugs…

  67. KURT said:

    livingston@foot.care.bellmore” rel=”nofollow”>.

    Buyit now…

  68. JAIME said:

    Buygeneric drugs…

  69. ROSS said:

    bachus@and.schanker.accutane” rel=”nofollow”>..

    Buygeneric drugs…

  70. SALVADOR said:

    weitz@and.luxenberg.accutane.settlement” rel=”nofollow”>..

    Buyit now…

  71. Alexander said:

    buy@viagra.online” rel=”nofollow”>…

    Need cheap generic VIAGRA?…

  72. Alexander7 said:

    buy@generic.LEVITRA” rel=”nofollow”>…

    Need cheap generic LEVITRA?…

  73. ANGEL said:

    Order@Coral.Calcium.Online” rel=”nofollow”>..

    Buygeneric pills…

  74. DUSTIN said:

    Get@Coral.Calcium.Online” rel=”nofollow”>..

    Buygeneric drugs…

  75. PERRY said:

    Order@Abana.Online” rel=”nofollow”>…

    Buywithout prescription…

  76. EDUARDO said:

    Cheap@Abilify.5mg.10mg.15mg.20mg.30mg” rel=”nofollow”>..

    Buygeneric pills…

  77. BRANDON said:

    Buy@Abilify.5mg.10mg.15mg.20mg.30mg” rel=”nofollow”>..

    Buyno prescription…

  78. CHARLIE said:

    Buy@Discount.Acai” rel=”nofollow”>..

    Buynow it…

  79. SALVADOR said:

    Cheap@Acai.Online” rel=”nofollow”>…

    Buynow…

  80. WALLACE said:

    Buy@Generic.Acai.Without.Prescription” rel=”nofollow”>…

    Buygeneric drugs…

  81. ENRIQUE said:

    Purchase@Generic.Abilify” rel=”nofollow”>.

    Buynow it…

  82. TERRENCE said:

    Get@Abana.Online” rel=”nofollow”>..

    Buyit now…

  83. LEWIS said:

    Cheap@Abilify.Online” rel=”nofollow”>..

    Buynow it…

  84. ROY said:

    Cheap@Abilify.5mg.10mg.15mg.20mg.30mg” rel=”nofollow”>…

    Buywithout prescription…

  85. TRACY said:

    Cheap@Abilify.5mg.10mg.15mg.20mg.30mg” rel=”nofollow”>..

    Buygeneric meds…

  86. RONALD said:

    Cheap@Abilify.5mg.10mg.15mg.20mg.30mg” rel=”nofollow”>…

    Buygeneric meds…

  87. KURT said:

    Buy@Acai.Online” rel=”nofollow”>.

    Buywithout prescription…

  88. RALPH said:

    Buy@Cheap.Acai” rel=”nofollow”>…

    Buygeneric drugs…

  89. SAMUEL said:

    Buy@Cheap.Acai” rel=”nofollow”>…

    Buygeneric drugs…

  90. FELIX said:

    Order@Acai.Online” rel=”nofollow”>…

    Buyit now…

  91. DONALD said:

    Order@Discount.Acai” rel=”nofollow”>…

    Buyit now…

  92. JACK said:

    Order@Generic.Acai” rel=”nofollow”>..

    Buydrugs without prescription…

  93. NATHAN said:

    Order@Discount.Energy.Boost” rel=”nofollow”>.…

    Buynow it…

  94. CARL said:

    Buy@Accupril.Online” rel=”nofollow”>.…

    Buygeneric meds…

  95. ADAM said:

    Buy@Discount.Accupril” rel=”nofollow”>.…

    Buyno prescription…

  96. BRUCE said:

    Order@Cheap.Accutane” rel=”nofollow”>.…

    Buygeneric drugs…

  97. BILLY said:

    Purchase@Accutane.Without.Prescription” rel=”nofollow”>.…

    Buygeneric drugs…

  98. ANDREW said:

    Cheap@Aciphex.Without.Prescription” rel=”nofollow”>.…

    Buynow it…

  99. BYRON said:

    Buy@Generic.Aciphex.20mg” rel=”nofollow”>.…

    Buynow it…

  100. RODNEY said:

    Buy@Actonel.35mg” rel=”nofollow”>..

    Buygeneric drugs lzt…

  101. BRANDON said:

    Buy@Generic.Actos” rel=”nofollow”>..

    Buygeneric drugs eet…

  102. DARYL said:

    Buy@Generic.Actos.Without.Prescription” rel=”nofollow”>..

    Buygeneric drugs krg…

  103. VICTOR said:

    Buy@Acular.Online” rel=”nofollow”>..

    Buygeneric pills zdg…

  104. RAY said:

    Cheap@Acular.Online” rel=”nofollow”>.

    Buygeneric drugs zfk…

  105. ALEJANDRO said:

    Order@Adalat.Online” rel=”nofollow”>..

    Buygeneric meds qhr…

  106. CLIFTON said:

    Get@Adalat.Online” rel=”nofollow”>..

    Buygeneric meds qmo…

  107. SERGIO said:

    Purchase@Coral.Calcium.Online” rel=”nofollow”>.

    Buyno prescription luw…

  108. TIM said:

    Cheap@Generic.Abilify.5mg.10mg.15mg.20mg.30mg” rel=”nofollow”>.

    Buywithout prescription yyn…

  109. JERRY said:

    Buy@Acai.Online” rel=”nofollow”>…

    Buydrugs without prescription vrg…

  110. MARION said:

    Order@Cheap.Acai” rel=”nofollow”>..

    Buyno prescription gdt…

  111. JOEL said:

    Generic@Acai.500mg.Without.Prescription” rel=”nofollow”>..

    Buyno prescription wkp…

  112. LEWIS said:

    Order@Energy.Boost.Online” rel=”nofollow”>.

    Buygeneric drugs axm…

  113. BRETT said:

    Cheap@Energy.Boost.Online” rel=”nofollow”>…

    Buydrugs without prescription jlg…

  114. BRUCE said:

    Get@Energy.Boost.Online” rel=”nofollow”>..

    Buyno prescription jui…

  115. AUSTIN said:

    Order@Cheap.Accupril” rel=”nofollow”>.

    Buynow it fnp…

  116. LEROY said:

    Order@Accutane.Online” rel=”nofollow”>…

    Buyit now sge…

  117. MARION said:

    Order@Discount.Accutane” rel=”nofollow”>.

    Buygeneric drugs mby…

  118. JASON said:

    Purchase@Cheap.Accutane” rel=”nofollow”>…

    Buywithout prescription ccw…

  119. RONALD said:

    Buy@Aciphex.Online” rel=”nofollow”>.

    Buygeneric drugs itj…

  120. JOHNNY said:

    Buy@Cheap.Acomplia” rel=”nofollow”>…

    Buygeneric meds svb…

  121. SEAN said:

    Purchase@Discount.Acomplia” rel=”nofollow”>…

    Buyno prescription euq…

  122. JOEY said:

    Purchase@Discount.Acomplia” rel=”nofollow”>.

    Buynow tqa…

  123. DUANE said:

    Purchase@Discount.Acomplia” rel=”nofollow”>..

    Buynow it sgk…

  124. BRUCE said:

    warfarin@interactions.with.actonel” rel=”nofollow”>…

    Buynow it zdg…

  125. GERARD said:

    Order@Advair.Online” rel=”nofollow”>..

    Buyit now irl…

  126. CARLOS said:

    Order@Cheap.Advair” rel=”nofollow”>…

    Buygeneric drugs vbr…

  127. RAUL said:

    Order@Generic.Advair” rel=”nofollow”>..

    Buydrugs without prescription hak…

  128. EVAN said:

    < a href=”http://trig.com/advair5771/biography/?ml=Advair-25mcg/50mcg-25mcg/125mcg-25mcg/250mcg-50mcg/500mcg-50mcg/100mcg-50mcg/250mcg-Without-Prescription Advair@25mcg50mcg.25mcg125mcg.25mcg250mcg.50mcg500mcg.50mcg100mcg.50mcg250mcg.Without.Pr

    Buydrugs without prescription ygy…

  129. JON said:

    Buy@Aggrenox.Online” rel=”nofollow”>..

    Buygeneric drugs ajd…

  130. JEFF said:

    Purchase@Discount.Aggrenox” rel=”nofollow”>.

    Buynow it lmg…

  131. MARVIN said:

    Buy@Albenza.Online” rel=”nofollow”>.

    Buyit now ojb…

  132. HARVEY said:

    Order@Albenza.Online” rel=”nofollow”>..

    Buydrugs without prescription faj…

  133. BILLY said:

    Purchase@Discount.Albenza” rel=”nofollow”>…

    Buynow fjl…

  134. SHANE said:

    Buy@Aldactone.Online” rel=”nofollow”>.

    Buygeneric drugs hwi…

  135. DAVID said:

    notation@for.abana.calypso” rel=”nofollow”>…

    Buygeneric meds…

  136. OLIVER said:

    advair@copd.advertising.campaign” rel=”nofollow”>..

    Buynow…

  137. ALBERTO said:

    aloe@vera.juice.benefits.best” rel=”nofollow”>.

    Buygeneric meds…

  138. DAN said:

    buy@amoxicillin.500mg” rel=”nofollow”>.

    Buynow it…

  139. SEAN said:

    how@much.amantadine.is.lethal” rel=”nofollow”>…

    Buygeneric meds…

  140. FERNANDO said:

    arimidex@or.nolvadex.steriods” rel=”nofollow”>..

    Buywithout prescription…

  141. OLIVER said:

    artane@bending.over” rel=”nofollow”>.

    Buynow…

  142. HARVEY said:

    max suv cancer definition

    Buy_generic drugs…

  143. BRANDON said:

    hiv research being conducted in usa

    Buy_generic pills…

  144. FREDDIE said:

    advair and contraindications

    Buy_generic meds…

  145. MICHAEL said:

    canine heat cycles

    Buy_without prescription…

  146. LEON said:

    steroids abuse sexual dysfunction

    Buy_it now…

  147. BILLY said:

    hiv aids in california in 1997

    Buy_generic pills…

  148. FRANCIS said:

    impact rating journal of clinical psychology

    Buy_now it…

  149. ALBERTO said:

    apo amitriptyline

    Buy_generic pills…

  150. STUART said:

    viagra in the uk

    Buy_no prescription…

  151. ALFREDO said:

    conquer online hacking tools

    Buy_generic drugs…

  152. KYLE said:

    symptoms of prescription drug abuse

    Buy_drugs without prescription…

  153. WESLEY said:

    what are three effects of obesity

    Buy_it now…

  154. KENNETH said:

    arimidex and marathon

    Buy_generic drugs…

  155. FREDERICK said:

    good and bad drugs

    Buy_without prescription…

  156. HOWARD said:

    is hepatitis b contagious

    Buy_generic pills…

  157. BILLY said:

    drug rehab center british columbia

    Buy_generic drugs…

  158. MANUEL said:

    working and twin pregnancy

    Buy_now it…

  159. FRANCIS said:

    how to embed pictures ms office

    Buy_drugs without prescription…

  160. RAMON said:

    adult survivors of childhood cancer

    Buy_generic pills…

  161. RENE said:

    terbutaline autism claim

    Buy_no prescription…

  162. ANDREW said:

    iv zofran

    Buy_drugs without prescription…

  163. DOUGLAS said:

    singapore secure psychiatric forensic unit

    Buy_no prescription…

  164. TOM said:

    cheap fetal heart rate monitor

    Buy_generic meds…

  165. ANDREW said:

    avelox treats for bacteria

    Buy_drugs without prescription…

  166. SERGIO said:

    drug treatment for bipolar disorder

    Buy_generic pills…

  167. AUSTIN said:

    does birth control control moods

    Buy_generic drugs…

  168. JOSHUA said:

    chf vs pulmonary edema

    Buy_generic drugs…

  169. DUSTIN said:

    weight loss tricks for 40 somethings

    Buy_drugs without prescription…

  170. MARCUS said:

    hypertension police ma

    Buy_drugs without prescription…

  171. ALBERT said:

    psychostimulant treatment of depression

    Buy_drugs without prescription…

  172. CLINTON said:

    copd lung sounds

    Buy_it now…

  173. BRENT said:

    images of tongue cancer

    Buy_generic meds…

  174. ROSS said:

    build muscle mass diet

    Buy_drugs without prescription…

  175. VERNON said:

    azithromycin doxycycline over the counter

    Buy_generic pills…

  176. RICK said:

    forensic drug test swab

    Buy_no prescription…

  177. LUTHER said:

    free diabetes logbooks to print

    Buy_generic drugs…

  178. DAVE said:

    hiv quality of life survey tools

    Buy_drugs without prescription…

  179. PATRICK said:

    obesity in moorhead minnesota

    Buy_now…

  180. ROGER said:

    how to make glucose water

    Buy_it now…

  181. RUSSELL said:

    dr loss phil ultimate weight

    Buy_no prescription…

  182. IVAN said:

    kim kardashian weight gain

    Buy_now…

  183. JORGE said:

    breast cancer site is having trouble

    Buy_drugs without prescription…

  184. JIM said:

    indomethacin opthalmic drops

    Buy_generic pills…

  185. FERNANDO said:

    hormone shot for prostate cancer

    Buy_generic drugs…

  186. COREY said:

    tobacco alternatives herbal

    Buy_generic drugs…

  187. JIM said:

    boost metabolism foods

    Buy_now…

Leave a Reply

You must be logged in to post a comment.