Ucodegen, I’m not a rep nor do I have any interest in this program. As a matter of fact the youtube videos are for Equity Genie and the pdf is from United First Financial. If I had any kind of interest in either of those companies I would have hid the material of the one I didn’t have an interest in.

You once again are quick to spout off without doing your homework. Page 3 and 4 addresses your concern about a “higher rate”.