Hi Neil!You're very right. But you know what's worse than paying a mtohnly mortgage for life? That is, not having a mortgage to pay at all. Right? Yeah, because my budget can only afford a mtohnly rent for a room in a townhouse with my wife and two kids. I'm a new immigrant in Canada and I felt my dream of living a better life has gone to the drain. Until I found this IM thing and I'm determined to succeed no matter what (despite of a very tight budget).Sir I really want to join your scamfreezone membership but really don't have the budget. I can't promise anything, except that I will use what I can gain in helping others.By the way I'm from the Philippines.Thanks & God Bless,Jhun