Money Merge Accounts: Abusing Einstein’s Quotes

by Florida's #1 Mortgage Planner on January 27, 2009

Money Merge Accounts Sellers Misuse Einstein's Quotes I have seen this repeatedly in marketing materials from United First Financial (UFirst Financial/UFF) and their agents, another example of the misleading material provided to sell their product, the Money Merge account (MMA).  Throughout the history of this company, they have provided nothing but false and/or misleading statements into their advertisements, many of which I have already exposed here and in my previous ActiveRain blogging.

Now, let’s look at another one, this time using a quote by one of the foremost figures of intelligence in history, Albert Einstein.  The quote that they use is:

“Insanity means doing the same thing over and over again and expecting different result” (Albert Einstein(?) – It is believed that this quote was actually misattributed to Einstein and is actually a quote of Rita Mae Brown)

The truth is, by adding this quote to their advertising, they are even telling you that there product sucks in reality.  While they will misuse the quote to bring justification to their product, by saying that carrying a mortgage is insane (in essence), reality is completely different.  One could argue that the true insanity is believing that paying off your mortgage in the first place since that is what has been done over and over again and rarely brought wealth to those whom have done so.

In fact, now that boomers are hitting retirement, we can see the gruesome reality that many are failing to be in a position to retire since they had focused a lot on paying off their mortgages and pensions of old are no longer to be found, which is what our forefathers relied upon.  So, the argument that paying off your mortgage, especially through mortgage acceleration programs is the really insane choice.

Now, since they are bringing Albert Einstein’s quotes into their advertising, let’s look at another applicable quote Mr. Einstein did as it explains why the Money Merge Account is still being sold, and the agents are making money selling a scam product…

“Only two things are infinite, the universe and human stupidity, and I’m not sure about the former.” (Albert Einstein)

If they doesn’t explain it, the latter may certainly be applicable, sorry.

{ 2 comments… read them below or add one }

Dolores Peck March 23, 2009 at 2:47 pm

I fail to underatand your logic. Don’t concentrate on paying down your mortgage or working on cancelling out interest. But you offer no solutions to anything. Your like the people you say “what I do does not effect anyone or anything else.”
They don’t think anything through and I’m so sure you are either.
If you offer something better than say it. I’m all ears.

Robert D. Ashby June 4, 2009 at 8:59 am


Sorry it has taken so long to add your comment and therefore respond, but I am a rather busy person.

I actually do offer many potential solutions around my website, just take a look at other posts. I am not a financial planner and simply to avoid any legal entanglements, I cannot post specifics, but I do have some general ideas out there, each carrying varying levels of risk from safe to very risky. However, even the very risky can be virtually risk free if you know what you are doing and you can learn fairly quickly. Oh, and the stuff I post here, I do myself, so it is from personal experience, not just knowledge.

One other thing you have to keep in mind is that yours, and everyone else’s, situation is different. I have to keep that in mind when I am writing, and thus I chose to provoke thoughts and hopefully people will inquire about specifics. From there, I can assist on developing a plan specific to their needs, goals, and desires.

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