“Smart” is pretty hopeless against this kind of “plan” which is designed to be attractive without giving much in the way of value. In fact, I’ve concluded that there are NO perfect solutions, so the appropriate technique is to hunt down something whose cost is tolerable and whose value is also tolerable. Then do a re-check every few years.
“Smart” is pretty hopeless against this kind of “plan” which is designed to be attractive without giving much in the way of value. In fact, I’ve concluded that there are NO perfect solutions, so the appropriate technique is to hunt down something whose cost is tolerable and whose value is also tolerable. Then do a re-check every few years.