So I am willing to pay the price is the value is inevitable not gamble my savings on a guy selling me financial freedom through information I can get on these forums for instance.

Anything you do without all of this would be called gambling

That was not something I wanted to gamble with. 

The 5/1 for long term is a gamble at best although for the next 8 years or so, it's much more profitable than the 30. 

Why is DMM so acceptable to gamble with money, but no one is relying on lotto to provide for their families?

You are gambling with DMM.

Nope, that is such a low % of the people that do not use internet.Also not because they don't use internet WILL they respond to DMM.If they are too old to do internet, they are not going to read a spam mailer.But more importantly... you really need to Analize.

Check out Hopewell, South Chesterfield, Colonial Heights, those are less of a gamble as they have better schools!

There's P2P lending sites, LendingClub and Prosper, which may be a bit riskier if not diversified properly.Stock market is a gamble, so the ETF route may work out, but I personally wouldn't bank on it.Safest bet would be a high yield savings account or CD, but at today's rates, the returns are pretty awful.Best of luck!

It is like any other lead sources where you get duds and spam(lenders, wholesalers, etc) but it has been worth the money for me.