A lot of times clients are sold on the lie of “market participation” of indexed products.

I have heard lie after lie from wholesalers week in and week out.

It's not that hard to find out if you are lying.  

In an attempt to retain the large and wealthy clientele the original office lied about his location.

Also don't adjust the numbers and lie to yourself just to find a deal. 

Check references, previous landlords, proof income, and (it is going to sound corny) check social media to find details about their life, any evidence that they might be lying.

Are you telling me that I have been lied to and that tax liens are not really risk free? 

The story doesn’t make sense and they are lying to you.  

Numbers don't lie. 

These percentages tell you nothing of value, and most of the time will lie to you anyway.Build yourself a financial REI plan, based on a set of specific financial goals (not percentages), ...something that is measurable and means something.Now before someone writes that these percentages are just guidelines, and not actually rules, my answer to that is "why bother with them then".