@Sam Sciasciathe only people agreeing with your rates of return are insurance agents and insurance executives who get paid commissions off of gullible consumers.A 3.5-5.5% tax free return in RE is poor.I know investors who have locked in guaranteed lease income off their properties at rates of 9-10% without mortgage leverage.Your opinion would be partially believable if there were You Tube testimonials from people owning policies for 20+ years who benefitted.

What an amazing testimony.

Next time I will be more strategic about what I'm including in my limited hearing testimony.

Every time Pace Moby threads pop up on BP, half the testimonials are new accounts with a first post say how great the program is.

Online reviews and testimonials can also provide valuable insights into a contractor's reputation.Obtain Multiple Quotes: Don't hesitate to get quotes from multiple contractors for any given project.

Thanks, Rob, we appreciate the kind words and the unsolicited testimonial. 

A recording may be used as notes, if the recording was legally obtained, notes can be used to give testimony.

If everything was so horrible, why did you and your wife give us a raving video testimonial?

I am curious as to any testimonials to a company of the sort

Of particular interest to me are cases where a lender or broker claimed a specific exemption from usury limitations, or cases where testimony from a "usury expert witness" or other type of mortgage lending expert witness was considered.