OHHHH SNAP!

Glad you took the higher road, Vlad... no name calling DOES make you come off as emotionally stable & balanced & stuff, but I have to wonder why you're so adamant in proving this to be less than the hype would allow?

I just *love* a good match! GAME ON!

;-)

Oh, this will be SO much fun, ...but we're going to tweak the rules here if you expect me to play:

...I want ANYthing but "simplicity", Vlad. LIFE is NOT simplisitc...ask anyone with kids.
I don't doubt you can calculate "simple" math...but that's where the power of the software comes into play.

Secondly, we will use a new set of numbers, AND a complete MMA application will be filled out.
To compare apples to actual apples, you have to give both parties the same facts and information.
I'll use the full MMA application, and you take what you need and leave the rest.
I'll fill out the form, and email you a copy of the exact form and numbers for you to use.

Thirdly, we are definately going to add other debt:
a) 3-5 credit cards, with variable rates and variable amounts owning and variable payments.
b) 2 cars with variables included. Hey, the Joneses have to get to work, right?
c) A student loan for Judy Jones...why, because we all know woman are smarter than men...or so my wife tells me.

Variables:
a) you have escrow payments
b) Judy is paid weekly, Henry is paid monthly and is self-employed.
c) ZERO discretionary income, not $200.

I think that sounds like a real family, and some real situations.

Now, before I continue, let me take a moment for your remarks, Vlad.
I have always freely admitted and still stand by it, that if you simply open your own HELOC with open ended interest, you'll be able to do yourself a lot of good. In fact, if you're disciplined, you'll beat the pants off the bi-weekly payment plans outright.
However, you simply aren't taking into consideration a much larger picture and the full capabilities of the software, regardless of what Travis may have said to you. I was not there. You keep assuming you know what the software does, what it calculates in simplified form...but you wanted the math equations and algorythms (sp?) to see how it all worked. When in actuality, this software takes into account what you and I simply DON'T.

Put in a sentence, the MMA software is keeping track of every DAILY VARIABLE in all accounts, bills, interest rates, fluxuations, emergencies, changes at work, in income, late payments, daily avareage interest balances, and the list goes on.

So, my question to you is simply...how in the world can you actually tell me you can honestly do the same with a mortgage calculator?

Where does the extra discretionary income come into play in some instances? Well, they come from time fluxuations, they come from income tax returns, bonuses, payoff of smaller debts and the like. They come from paying less on your utility bills from one month to another, or the discount you just got on your car insurance for being a good driver. Oh, but I'm sure you take all those variables into consideration, didn't you...yeah.

On the point about what Travis said...I'm wondering where the problem is? You say that the software, using everything you make, caluculated what you made, it makes sure you have all the money you TOLD it you needed, to the penny, ...and then you kick and scream when it finds extra money outside your admitted, established budget, pays off your mortage early, saves you tens of thousands of dollars in interest...and you say that's 'deceiving'?

Dude...what planet are you from? What I can't figure out, is why you don't smile and say thank you for doing for your own family what you didn't do for yourself on your own??

Like I told you and tell everyone I see...I'm a client and it's working for me just like they said. It saves me money, I'll pay my home off early, and be financially able to go buy my next home and make one heck of a nest egg by the time I retire.

...and I should be MAD about this? Help me here, buddy...cause you don't make sense to me.

Seriously.

The "hype" is because it get's results for it's clients. You're not a client, so how would you know...and again, I can't tell you what salt tastes like.

...it tastes like salt, man. Plain and simple. I don't know why...but it does. You can argue with me about it...but it's stilll gonna taste like salt.


Now, if you want to go through with this, I'm 100% game.
I can fill out a form, and email it to you and you can go to town.

However, I have one last point, and it's a valid concern, that i think Jane can back me on...

You say you can achieve the same results on a mortgage calculator as the MMA, you're trying to disprove or dissuade the people on this forum to believe you...but you also say you have access to the MMA software.

...so how do I know you simply don't use the MMA software, and then say you did it with the calculator?

Your 'word'?

Personally, I think you just blew the contest out of the water.


-Jaime Buckley
Co-Founder of The Jubilee Project
"Setting the working man free."
www.thejubileeproject.org
801-208-9492

BTW---I read my own post over and over...and I never saw name calling there. Clarify that for me, Jane or Vlad. I just call it as it is.