Just alex: I agree with you. Sadly the Agents are the ones who draws the rosy pictures. When some one like me post the down side of things to balance the argument (there is no perfect investment like there is no perfect man/woman) The response I get is why am I so negative and have a personal agenda etc, etc.

The agents misuse their position. I do not blame them as it is their job to sell. Investors, seasonsend or not need to step back and think about the whole thing through and its not always possible to get the right advise or who to turn too.