Re: Answers

Subject: Re: Re: Answers

Comments:
: Question, if the FNA is not a financial plan, or a financial anything for that matter, why should people waste their time with a PFA? Someone that by their own company's admission is not anything but a salesperson! : As Steve said, look in the phone book. I currently write mortgages for almost 150 lenders. I've run the numbers from them vs. PFS & PFS lost EVERY time but 2. Some of these companies don't do the biweekly the same as PFS, but they STILL came out ahead. Don't get me wrong, I agree that applying the payment immediately can drastically save on the interest, however, as I stated, this is most times negated by the high interest rate, the front loads & the prepayment penalties your companies charge. Like I said, I've run the numbers & PFS lost every one but 2. : You are also correct that there are basic rules & that debt shouldn't be forever. But refinancing at outrageous rate, high front loads & prepays and using high load investments & one of the highest premiumed term products on the market is NOT the solution. : The only thing PFS provides is a way for the top 2% of the pyramid to get richer while the bottom 98% struggle to turn a profit! : : Wow. LOL! : : And you people call me unprofessional! : : Nice incoherent tirade Mislead. Touching on only what you wanted to and NOT answering my questions. : : And steve, you were just as clear. : : Mislead, you said: : : , "The Financial Needs Analysis is not a financial plan." : : Let me repeat that, IT IS NOT A FINANCIAL PLAN!" : : Great work there Sherlock! :) : : Just an FYI to your dense cranium: You guys are the ones that label us "planners". : : You went on to say: : : 2 - I've got a personal account at 1 credit union and a business account at another & they will both do loans the same. What is your point with this anyway, even if they don't do them the same, ANY benefits you could offer a client will be MORE than offset by the outrageous interest rate your predatory lenders will charge, the front loads they will charge & the prepayment penalties they will levy! " : : Oh really?? And the names and phone numbers of these mystery lending institutions?? Hmmm? : : And obviously you haven't a clue how interest works if you don't understand that applying the payment IMMEDIATELY upon receiving it can drastically save you on the Interest charged. Doing it this way MANY more time than not will more than make up for a higher interest rate. : : That's my point, jack-ass. : : To reply to steve's brilliance. : : Steve said: : : "That's the point, isn't it? You guys aren't qualified in any area of finance. The whole point is that Personal Financial Analyst is a meaningless title meant to deceive. It's an attempt to give credibility to unqualified hacks who want to pose as and play planner or advisor. " : : Well, even though this doesn't even deserve a response. I'll do it anyway. : : steve, the truth is, figuring out ones finances sometimes isn't has difficult as you would dupe everyone into believing! :) : : There are basic rules of money that people just aren't being taught anymore. They think that having debt is just a fact of life. When it doesn't need to be so! They don't NEED to be in debt until age 55 or more. : : We provide a way for people to get out of those ruts, and that of course cuts into your business. : : Well, gee whiz stevey, sorry for doing that. : : It's kind of comical. The both of you accuse of being unprofessional and deceptive. : : But I shed the light of truth on your little game, and you go completely mental on me. : : LOL Keep representing boys! You make my job so much easier. : : ta ta : : .

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