They are thoroughly disillusioned with the service. They have said they bitterly regret having done this.

I have no information other than that, they did not want to talk about it ( and thus reveal the extent of their problems, I guess. )

I suggest you do more research beyond this forum.

Have a great day!
Dave Steffensmeier

Take out a student loan then major in something like Carribean studies.

Take a job at minimum wage and refuse any raises.

Rack up your credit cards, and then make sure you don't pay them until the interest costs get so high you have to declare bankruptcy.

From there it's pretty much smooth sailing to avoiding financial freedom.

I will tell you that it is not straightforward nor is it all down to luck either although luck does come into it. You could end up working 90 hours a week on a venture and end up not only loosing every thing but in debt too.

Finding a lucrative opening in any venture is also about being in the right place at the right time.

It is good that you have started to save a little. You do need education but there is no reason why you should not educate yourself by research and tapping into other peoples knowledge.

I can not tell you how you can get rich quick, other than buy a winning lottery ticket. Enter every free competition there is and apply to TV game shows, you could win something.

Just believe in yourself. Look out for what people want and find a way of supplying it.

As for investing. At 23, invest in yourself. 00

1) Believe that God keeps his promises, one of which is to take care of everything. (Jesus, in the sermon on the mount, the Gospel of Matthew, chapters 5-7).

2) Give away as much as possible. The rule of the universe is that when you give to someone, what you get back is at least ten times as much. Please don't take my word for this… go out and try it.

Have you ever heard of tithing? It's not that new a concept, it goes back thousands and thousands of years, to the very beginning of the Bible, in Genesis.

Did you ever wonder, why 10% — why 1/10th?

It's because it's a perfectly balanced mathematical formula.

If you always get back ten times what you give, then 1/10 really is the MINIMUM you should give.

For example, let's say you just earned $500. If you give away $50, you've guaranteed that another $500 is coming your way. But if you give away $100, then you'll have $1000 coming to you. Give away $200, and next time it will be $2000.

The timing will be different for everyone. For me, I've always gotten results within 3 to 7 days.

Like I said at the start of this, yeah, I know most people will just scoff and think I'm crazy. But if at least ONE person who reads this is inspired to look into it further, then writing this will have been worth the trouble (it's another form of giving).

A final thought… did you know that this is the one promise in the Bible where God says, "TEST me on this. See if I don't do what I promise."

Read the last book of the Old Testament, Malachi. Chapter 3.