mike, $1500 is about the number you are paying monthly to get to owing $225k on your specific loan after 20 months. ($232k, 6.125%, 30 years). Anthony's number ($1409) is exactly your P&I payment (ie, no escrow), but since you are paying a little extra each month, that's probably where your $1500 is coming from. Now if you have PMI, then almost $1500 might be your minimum payment, but you would be smart enough with that high income of yours and a (relatively) low house price to be prepaying massively to drop PMI ASAP.
BTW, the #'s they gave you for when your house would be paid off are wrong (as anthony pointed out). surprise, surpise.
the other amazing thing.... they could figure out when the HELOC is paid off without knowing your HELOC rate.
calvinandhobbes said: mike, $1500 is about the number you are paying monthly to get to owing $225k on your specific loan after 20 months. ($232k, 6.125%, 30 years). Anthony's number ($1409) is exactly your P&I payment (ie, no escrow), but since you are paying a little extra each month, that's probably where your $1500 is coming from. Now if you have PMI, then almost $1500 might be your minimum payment, but you would be smart enough with that high income of yours and a (relatively) low house price to be prepaying massively to drop PMI ASAP.
BTW, the #'s they gave you for when your house would be paid off are wrong (as anthony pointed out). surprise, surpise.
the other amazing thing.... they could figure out when the HELOC is paid off without knowing your HELOC rate.
My actual payment I believe is around $1434 (I just looked) on exactly $232,000. We started bi-weekly payments the day we got our motgage (for free with no fee) and have paid a little extra here and there and our balance is around $225,000. I rounded up to $1500 to make it easy for calculations. I do have no PMI. We bought the house for $290000 with 20% down and $5,000 towards points and closing costs. We used their lender with 1 point to lower the rate. My rate is 6.125.
Bankrate says it should be $1409 but it sure isn't.
actually, JayK, I think their arguement is trying to spin compound interest on the large mortgage balance with the smaller rate versus the relatively small HELOC balance with the higher rate. MMA used to work when HELOC's were lower rates than mortgages, but since that isn't the case, the math doesn't back them anymore, so they try to make a person think that a small loan pays less interest than the big mortgage balance. While it is true your actual interest amount each month is much bigger on the mortgage than a small HELOC, it isn't true that the interest paid on your mortgage *for that amount equal to your heloc balance* is higher than your HELOC interest owed. Getting 0% on your money will help their argument, but it won't make the numbers work in their favor, just closer to it.
calvinandhobbes said: mike, PLEASE tell me you are sending bi-weekly payments directly to your bank and not to a bi-weekly service (with a service fee).
LOL. I just edited it to say that. Wells Fargo does not charge you for it and there is no startup fee. AARRGGHHH Get out of my head!!
I just want the truth to come out of this whole thing. If the software works great, if not oh well. Once I get all the numbers, they will be posted and either a lot of people will be eating crow or will be correct.
calvinandhobbes said: actually, JayK, I think their arguement is trying to spin compound interest on the large mortgage balance with the smaller rate versus the relatively small HELOC balance with the higher rate. MMA used to work when HELOC's were lower rates than mortgages, but since that isn't the case, the math doesn't back them anymore, so they try to make a person think that a small loan pays less interest than the big mortgage balance. While it is true your actual interest amount each month is much bigger on the mortgage than a small HELOC, it isn't true that the interest paid on your mortgage *for that amount equal to your heloc balance* is higher than your HELOC interest owed. Getting 0% on your money will help their argument, but it won't make the numbers work in their favor, just closer to it.
do you pay twice monthly or bi-weekly? those are different. twice monthly is 24 payments a year while bi-weekly is 26. (people like Fargo prey on those that don't realize that bi-weekly is 26 payments and claim all the savings is in the "half-month's" interest).
mikef07 said: I just want the truth to come out of this whole thing. If the software works great, if not oh well. Once I get all the numbers, they will be posted and either a lot of people will be eating crow or will be correct.this is what you aren't getting. The truth will only come out for you if you do this, and their predictions don't happen. I can write you a program that will tell you that you will only write checks for $10,000 and your mortgage will be paid off, and i won't even charge you for it. Doesn't make it true. It isn't true, but anyone can say anything. They are telling you that your total checks will be roughly 1 month's interest higher than the total balance you owe. They are using your HELOC, which I'm guessing you didn't tell them the rate on it (which would be VERY relevant to the calculations). People showing you the math behind it will prove something once and for all. Or doing this over the course of a loan, but their unsubstantiated #'s won't have anyone eating crow anytime soon. (BTW, in order to get to the payoff level they are looking for, you better have a HELOC with a negative interest rate). Math doesn't lie, people do.
confuseu said: I'm sure this forum will agree....I'm no rocket scientist, and if I'm understanding this quote below accurately...but CalvinandHobbes is an idiot.
"While it is true your actual interest amount each month is much bigger on the mortgage than a small HELOC, it isn't true that the interest paid on your mortgage *for that amount equal to your heloc balance* is higher than your HELOC interest owed"....
Again....ah what?
I think you better rethink that statement...because you surely can't be serious. So paying 9.25% on fluctuating HELOC over a 30 day period on between $4000.00 and $10,000.00 balance is NOT a smaller payment than the interest on a $150,000.00 fixed at 6.5%..?
Are you CRAZY man?
You just aren't understanding what he said ... "it isn't true that the interest paid on your mortgage *for that amount equal to your heloc balance* is higher than your HELOC interest owed"
Pay attention to the part that he put stars around specifically to draw your attention to. That's the key and your misunderstanding of which that allowed you to get scammed, apparently.
confuseu said: I'm sure this forum will agree....I'm no rocket scientist, and if I'm understanding this quote below accurately...but CalvinandHobbes is an idiot.
"While it is true your actual interest amount each month is much bigger on the mortgage than a small HELOC, it isn't true that the interest paid on your mortgage *for that amount equal to your heloc balance* is higher than your HELOC interest owed"....
Again....ah what?
I think you better rethink that statement...because you surely can't be serious. So paying 9.25% on fluctuating HELOC over a 30 day period on between $4000.00 and $10,000.00 balance is NOT a smaller payment than the interest on a $150,000.00 fixed at 6.5%..?
Are you CRAZY man?no, i'm not crazy. I didn't say what you just said. I'm saying, and EVERYONE ELSE HAS BEEN SAYING, that $4000 @ 9.25% on a HELOC pays more interest than $4000 on a fixed mortgage at 6.5%. Screw the total balance on the mortgage. IT DOESN'T MATTER. It's like having 2 credit cards. Regardless of the balance on either card (assuming they both have a balance) it is cheaper to pay off the card with the higher interest rate faster than the lower rate. The spin you, and I do mean YOU, crooks are doing is comparing the dollar amount of 6.5% interest on $200k versus 9% interest on $4k. That's apples to oranges. If I apply $4k to my mortgage balance of $150k, i still pay 6.5% on the $4k, and the remaining $146k. If i have to pay 9.25% on $4k, and 6.5% on the remaining $146k, I just paid more money in sum total. You, sir, are the idiot. SPIN WHEEL, SPIN!!!!!
confuseu said: No, YOU don't understand....I understand completely...go look at an amortization schedule for a fixed $150,000.00 at 6.5% and tell me who understands what...apparantly Calvinandhobbes has company in the idiot parade.$4000 * (9.25/1200) + 146000 * (6.5/1200) = 821.67 $150000 * (6.25/1200) = 812.5
$821.67 is GREATER THAN $812.50. You seem to think otherwise.
brushwood said: Pay attention to the part that he put stars around specifically to draw your attention to. That's the key and your misunderstanding of which that allowed you to get scammed, apparently.i believe you will find he is a scamer, not a scamee. He's one of those "new members" that showed up during this disussion.
Mr. Calvinandhobbes....I will pose the question to you...as you are thick in the head. I really don't think you understand what you are saying...because you are an idiot. LOOK and at a $150,000.00 fixed 6.5% mortgage on an amoritization schedule. $4000 or 10,000.00 on a 9.25% HELOC is no where near the interest you are paying toward your fixed (which of coarse, really isn't "fixed" but you probably don't know that either) rate. You need to fully understand how the HELOC is working...especially using the "SCAM" software to help you along. Just admit it. Your dumb.
confuseu said: Mr. Calvinandhobbes....I will pose the question to you...as you are thick in the head. I really don't think you understand what you are saying...because you are an idiot. LOOK and at a $150,000.00 fixed 6.5% mortgage on an amoritization schedule. $4000 or 10,000.00 on a 9.25% HELOC is no where near the interest you are paying toward your fixed (which of coarse, really isn't "fixed" but you probably don't know that either) rate. You need to fully understand how the HELOC is working...especially using the "SCAM" software to help you along. Just admit it. Your dumb.Quoted to preserve the stupid.
confuseu said: No, I don't think otherwise. But I'm certainly not paying any $821.67 in interest on my HELOC balance of $10,000.00...Never have yet.If I'm not mistaken, the idea is to pay back the HELOC as quickly as possible so you can avoid paying interest on the HELOC balance as much as possible. Of course, you also avoid earning interest on that money.
You pay "only" 30.83 on the HELOC but that saves you only 812.5-790.83 = 21.67 in interest. It does not save 812.5 in interest as you would like one believe!! I am sure you can work the same for a 10k HELOC balance.
You pay "only" 30.83 on the HELOC but that saves you only 812.5-790.83 = 21.67 in interest. It does not save 812.5 in interest as you would like one believe!! I am sure you can work the same for a 10k HELOC balance.It's even worse than that...your mortgage payment doesn't change as the principal drops, what changes is the length of the mortgage, so you are knocking off interest payments from the end of the mortgage term. However, near the end of the term, the interest payments are much smaller - so while knocking a year off the end of a mortgage sounds impressive, it's really the equivalent of only a few months of interest from the beginning of the mortgage.
But my main point is that, due to inflation, the future interest payments are even smaller in real terms. Would you rather save $100 now or $100 five, ten, or twenty years from now?
You pay "only" 30.83 on the HELOC but that saves you only 812.5-790.83 = 21.67 in interest. It does not save 812.5 in interest as you would like one believe!! I am sure you can work the same for a 10k HELOC balance.scammers are funny when they're caught. they just keep digging their way out of their hole. confuseu better learn chinese fast!
You pay "only" 30.83 on the HELOC but that saves you only 812.5-790.83 = 21.67 in interest. It does not save 812.5 in interest as you would like one believe!! I am sure you can work the same for a 10k HELOC balance.scammers are funny when they're caught. they just keep digging their way out of their hole. confuseu better learn chinese fast!
So tell me what this is? P=i x Principle x (1+i)n /(1+i)n - 1
You pay "only" 30.83 on the HELOC but that saves you only 812.5-790.83 = 21.67 in interest. It does not save 812.5 in interest as you would like one believe!! I am sure you can work the same for a 10k HELOC balance.scammers are funny when they're caught. they just keep digging their way out of their hole. confuseu better learn chinese fast!
So tell me what this is? P=i x Principle x (1+i)n /(1+i)n - 1 well, in standard math notation, i is an imaginary number, which makes sense here...
I got the printout and I will go over a few things.
We are going to forget my escrow and go with the $1409 payments that were shown earlier.
With a normal fixed mortgage I will have to pay $1409 for the next 28 years and I will have my loan paid off. At the end of my loan I will have paid off 225,000 in principal and paid $246,008.33 in interest.
The MMA software says I will pay $228,500 in 11.2 years in principal (Principal + $3500 software cost) and have paid $87,304.29 in interest.
This assumes a $100,000 HELOC (Which will not be maxed out) at a 9% interest rate.
How it works is that you continue to mae your normal mortgage payment each month. You also at dfiferent points pay a large amount from HELOC, where the amount of said large payment is dependent on the amount of income coming in. It may tell you to pay $14,000 at day 1. Your paycheck is deposited into your account which for me is at least $12,500 on a monthly basis.
The amount of interest you pay on the HELOC is not on the total $14,000 but on the $14,000 - $12,500 = $2500. I know that is simplified and that you have to pay your bills from the HELOC but the point is that your amount of interest accrued is on less than the $14,000.
I got a full amortization schedule of both the normal mortgage and the MMA mortgage.
This will obviously benefit the guy with large amounts of cash flow coming in on a monthly basis even if his expenses tend to be more because he can drive that HELOC balance down
My report showed no extra money going to principal beyond my normal mortgage. That does not mean that checks are not written from the HELOC to the principal during that time.
For reference purposes the amount of interest paid at year 1 on the MMA is 13606 and on the normal mortgage is $13694. For reference purposes the amount of interest paid at year 3 on the MMA is 37929 and on the normal mortgage is $40479. For reference purposes the amount of interest paid at year 6 on the MMA is 66350 and on the normal mortgage is $78950. For reference purposes the amount of interest paid at year 10 on the MMA is 86132 and on the normal mortgage is $126411.
For reference purposes the amount of principal paid at year 1 on the MMA is 14753 and on the normal mortgage is $3127. For reference purposes the amount of principal paid at year 3 on the MMA is 47150 and on the normal mortgage is $9985. For reference purposes the amount of principal paid at year 6 on the MMA is 124691 and on the normal mortgage is $21980. For reference purposes the amount of principal paid at year 10 on the MMA is 197466 and on the normal mortgage is $41807.
I can tell you looking at the output that this is not some easy math that can be done in a spreadsheet.
Again, I am not a supporter or detracter I am merely showing the facts of what is written.
mikef07 said: Your paycheck is deposited into your account which for me is at least $12,500 on a monthly basis. ... This will obviously benefit the guy with large amounts of cash flow coming in on a monthly basis even if his expenses tend to be more because he can drive that HELOC balance downThe opportunity cost of not having that $12500/month in an interest bearing account for 11 years is roughly $2.3 million.
Just looking at $4K/month discretionary income, the opportunity cost is ~$750K.
Do yourself a favor, and just report. When you try to 'splain something, you embarrass yourselfYou also at dfiferent points pay a large amount from HELOC, where the amount of said large payment is dependent on the amount of income coming in.No, fool. It is dependent on availability of UNSPENT INCOME.
jayK said: mikef07 said: Your paycheck is deposited into your account which for me is at least $12,500 on a monthly basis. ... This will obviously benefit the guy with large amounts of cash flow coming in on a monthly basis even if his expenses tend to be more because he can drive that HELOC balance downThe opportunity cost of not having that $12500/month in an interest bearing account for 11 years is roughly $2.3 million.
Just looking at $4K/month discretionary income, the opportunity cost is ~$750K.
The way it was broken down is that I had ~$10,000 in discretionary income. He had me sending $2300/month to Wells Fargo for my mortgage and escrow and did not care what I spent the other $10,000 on. Invest it, gamble it, pay bills, etc. In essence I have $4,000 extra now and I would have $4,000 with this. The only difference is that it would tell me when to write the check for $4,000.
Any above my $2300 sent would just lower the time. In fact I got the other report (throwing $6300 at principal + $800 escrow/month) which shows the 2.9 year scenario.
This shows at year 1 $11949 in interest being paid and $74,010 in principal At year 2 total equity principal paid is $152,692 and total interest is $19,227 At year 2.9 total equity paid is $228,500 and total interest is $21,552
One thing I would love to see and have not yet.
If this thing is so bad why have we not seen one person yet wwho has bought it and had negative things to say about it. This is surprising to me. It is very rare that somehting that is a "scam" would have no egative reviews from actual purchasers. Every single thing I have read about it comes from people speculating. I really want to see some negative aspects from some buyers of the program.
calvinandhobbes said: mike, $1500 is about the number you are paying monthly to get to owing $225k on your specific loan after 20 months. ($232k, 6.125%, 30 years). Anthony's number ($1409) is exactly your P&I payment (ie, no escrow), but since you are paying a little extra each month, that's probably where your $1500 is coming from. Now if you have PMI, then almost $1500 might be your minimum payment, but you would be smart enough with that high income of yours and a (relatively) low house price to be prepaying massively to drop PMI ASAP.
BTW, the #'s they gave you for when your house would be paid off are wrong (as anthony pointed out). surprise, surpise.
the other amazing thing.... they could figure out when the HELOC is paid off without knowing your HELOC rate.
I wouldn't necessarily say that what they gave you is wrong. As I mentioned in the different scenarios, how much you prepay would shave around a couple of months off your term. Are you expected to put in $5K per month? 20K every 4 months? 30K every 6 months?
mikef07 said: My actual payment I believe is around $1434 (I just looked) on exactly $232,000. We started bi-weekly payments the day we got our motgage (for free with no fee) and have paid a little extra here and there and our balance is around $225,000. I rounded up to $1500 to make it easy for calculations. I do have no PMI. We bought the house for $290000 with 20% down and $5,000 towards points and closing costs. We used their lender with 1 point to lower the rate. My rate is 6.125.
Bankrate says it should be $1409 but it sure isn't.
Now that you said this and mentioned Wells Fargo, I also have a loan with Wells Fargo and they bill me $25 more extra every month as late fee even though when it gets taken out from my bank account, they don't include $25. Last month, they stopped the bill pay service that I was using causing me to be a little late before I was able to set up another auto pay, and this time I got charged the $25 late fee. Check your statement if that is the case.
mikef07 said: One thing I would love to see and have not yet.
If this thing is so bad why have we not seen one person yet wwho has bought it and had negative things to say about it. This is surprising to me. It is very rare that somehting that is a "scam" would have no egative reviews from actual purchasers. Every single thing I have read about it comes from people speculating. I really want to see some negative aspects from some buyers of the program.Simple. The only people who buy the software are those who aren't financially savvy, and thus aren't aware that they could get similar results without the software. People who are financially savvy and know enough to realize what the software does would never pay for it.
Then there are people who are financially savvy, realize that the software can be used to take advantage of those with less knowledge, and use that to their advantage.
so basically it has nothing to do with extra mortgage payments since you aren't touching your $10k a month, well, except that that barely noticable FOUR FREAKING THOUSAND DOLLAR A MONTH check. Just as EVERYONE has stated OVER AND OVER AND FREAKING OVER, this is nothing more thatn paying thirty five hundred dollars for a calendar telling you when to PREPAY your mortgage.My report showed no extra money going to principal beyond my normal mortgage. That does not mean that checks are not written from the HELOC to the principal during that time.un-freakin-believable. You are being told to prepay your mortgage by way of a "middleman" account, so, therefore, you are not prepaying. COOL!!! I can pay my neighbor and have them pay my utility bills for me (and pay them extra for the service), that way, I don't have to pay my bills!!!!!
I'm trying figure out if you are a fellow scammer or really this dumb. I'm split 50/50 right now. Your words totally point to scammer. The fact that you joined 5 years ago points to the intelligence factor.
jayK said: mikef07 said: One thing I would love to see and have not yet.
If this thing is so bad why have we not seen one person yet wwho has bought it and had negative things to say about it. This is surprising to me. It is very rare that somehting that is a "scam" would have no egative reviews from actual purchasers. Every single thing I have read about it comes from people speculating. I really want to see some negative aspects from some buyers of the program.Simple. The only people who buy the software are those who aren't financially savvy, and thus aren't aware that they could get similar results without the software. People who are financially savvy and know enough to realize what the software does would never pay for it.
Then there are people who are financially savvy, realize that the software can be used to take advantage of those with less knowledge, and use that to their advantage.
That's your reason? Come on. In this whole world we have never seen a negative review by a user and you think it is becaue people who buy it are financially savvy. If this thing were as bad as you guys claim there would be tons of people ready to rip it.
calvinandhobbes said: I'm trying figure out if you are a fellow scammer or really this dumb. I'm split 50/50 right now. Your words totally point to scammer. The fact that you joined 5 years ago points to the intelligence factor. Good Cop, Bad Cop?
calvinandhobbes said: so basically it has nothing to do with extra mortgage payments since you aren't touching your $10k a month, well, except that that barely noticable FOUR FREAKING THOUSAND DOLLAR A MONTH check. Just as EVERYONE has stated OVER AND OVER AND FREAKING OVER, this is nothing more thatn paying thirty five hundred dollars for a calendar telling you when to PREPAY your mortgage.My report showed no extra money going to principal beyond my normal mortgage. That does not mean that checks are not written from the HELOC to the principal during that time.un-freakin-believable. You are being told to prepay your mortgage by way of a "middleman" account, so, therefore, you are not prepaying. COOL!!! I can pay my neighbor and have them pay my utility bills for me (and pay them extra for the service), that way, I don't have to pay my bills!!!!!
I'm trying figure out if you are a fellow scammer or really this dumb. I'm split 50/50 right now. Your words totally point to scammer. The fact that you joined 5 years ago points to the intelligence factor.
Get a report done. I saw the amortization calender broken down year by year. Of course you are paying massive lumps from your HELOC towards your principal but then are driving it down by depositing your check into that HELOC account driving the interest on the HELOC down. Sending a payment of $1500 a month would amount to $18000 being sent as the normal amount. Since the amount of interest paid at year 1 is $13606 and the extra $4400 goes toward principal then I take it that your HELOC must have a balance of $10353 to get to that point of having $14,753 towards principal. Of course you are not paying interest on $10353 because you are driving the amount down when depositing your checks. The software does not tell me the balance of the HELOC at the end of each year so this is all speculation.
I have no agenda. I just want to know the facts. I have merely pointed out what was reported.
calvin&hobbes said: I'm trying figure out if you [mikey] are a fellow scammer or really this dumb. LOL. I've read a lot of mikey's posts, and although he does take an argumentative stance for entertainment purposes, for the most part he is just that dumb. If you are inclined, read his defenses of Dave Ramsey.mikey said: Of course you are paying massive lumps from your HELOC towards your principal but then are driving it down by depositing your check into that HELOC account driving the interest on the HELOC down.This is typical. He cannot grasp that his HELOC will be in steady state, AND NO FURTHER "HUGE" PAYMENTS TO PAY DOWN PRINCIPLE WILL OCCUR AFTER THE FIRST MONTH, unless unspent income accumulates.
EricGo07 said: calvin&hobbes said: I'm trying figure out if you [mikey] are a fellow scammer or really this dumb. LOL. I've read a lot of mikey's posts, and although he does take an argumentative stance for entertainment purposes, for the most part he is just that dumb. If you are inclined, read his defenses of Dave Ramsey.
Ah yes. DR who has made more money, from investing (and other thiongs as well) mind you, than you will ever see. I have no problem with a guy who truly wants to help people. Take all of the wealth on this board and add it up and we all don't equal what DR has.
I love a broke guy (you) making fun of a rich guys beliefs. That cracks me up. Dude I am smarter than you will ever be. We live in a knowledge based world. You are paid on what you know and what you can do with that knowledge.
Based on your paycheck you don't know much and what you do know, no one is willing to pay for it.
It really must suck to wake up in the morning and know you bring little to nothing of importance to this world. It is amazing that I was able to reach the top 2% of earnings in 2 completely different fields by age 33.
Had dummy had a report done he would know that there are some months when no HELOC payment is sent until your balance is low enough.
mikef07 said: One thing I would love to see and have not yet.
If this thing is so bad why have we not seen one person yet wwho has bought it and had negative things to say about it. This is surprising to me. It is very rare that somehting that is a "scam" would have no egative reviews from actual purchasers. Every single thing I have read about it comes from people speculating. I really want to see some negative aspects from some buyers of the program.
There are 2 main things that this software helps you with: 1. At any time, it will tell you how long your loan will take if you make certain pre-payments (coming from your HELOC, then you pay down your HELOC). It also opens you to the "wonderful world" of paying down your mortgage and how your interest saved compounds for the remainder of the loan. For example, just making 1 month extra mortgage payment in your first year shaves off 6 months from your loan. In other words, your payment saved interest that compounded 6-fold over the life of the loan.
2. It computes how to leverage a HELOC to save some more money by using it to pre-pay and letting you pay off the HELOC from your discretionary income. ---------------- 1. I've done a spreadsheet that will tell me similar things (interest paid, loan term, etc.) if you made some pre-payments at various times.
2. In one of the earlier posts, I posted a simple algorithm to maximize savings, that confuseu said is close to what the software would tell you to do.
The software, per se, does not save you money. There is no magic or even bogus calculation. It works. But it's the same math with or without the software. 90%-95% of the savings is through the pre-payment, which is what I have replicated using a spreadsheet. The other 5% to 10% is based on how good the software leverages your HELOC (how much pre-payment it will tell you every few months). I choose not to pay $3500 because I have a spreadsheet (or at the very least use bankrate's calculator) and came up with a common-sense algorithm.
I'm a bit busy but just couldn't stay away from this topic. If you could PM me the info that you got, I'll be happy to give you a spreadsheet that says the same thing. Or you could use the spreadsheet I've posted before and plug the data yourself.
mikef07 said: jayK said: Simple. The only people who buy the software are those who aren't financially savvy....
That's your reason? Come on. In this whole world we have never seen a negative review by a user and you think it is becaue people who buy it are financially savvy.....
kamalktk said: mikef07 said: jayK said: Simple. The only people who buy the software are those who aren't financially savvy....
That's your reason? Come on. In this whole world we have never seen a negative review by a user and you think it is becaue people who buy it are financially savvy.....
Dude I am smarter than you will ever be.
....
I love it when 4 or 5 guys (most of you) who make anywhere from $40,000-$80,000 make fun of a guy making $225,000 and say how much smarter they are and how much more they know yt have peaked when it comes to eranings and hope for that 3% raise per year.. Hey if you take all of your eranings up you might equal one of me. Congrats on that.
Maybe I should go in and make fun of Bill Gates and tell him that I am smarter than he.
Gee whiz, thanks. I never could understand why every car salescritter making 100k annualy was an intellectual giant compared to every University prof the world over. I also now understand that all prostitutes are geniuses.
Rarefied company you keep.
Anyway, now that we all grasp that that salary = intellect, we can freely admit that Einstein was a retard, and Michael Vick an intellectual giant. Yup, a day of enlightment for mankind.
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