[Method of payment] is really a personal preference, ... The issue comes down to competency and disclosure. If an advisor discloses all conflicts of interests, the client should have sufficient information to make a decision. Everyone has conflicts of interest. Simply being compensated by fee does not remove conflict of interest.
You look at the numbers. It's just unbelievable.
They made a bundle of money and then it died out.
When you take on debt, you increase your risk, but you also increase your return.
I see very little other sources of financial catastrophe than credit-card debt.
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