Dan Levine the "expert" quoted in this article is also a defunct crook. He has been barred from the securities industry, suspended and fined for malicious violations and infractions from FINRA. Yet he still airs out his bulls**t weekly on KLIF and WBAP. When will people learn that talkshow guru's (including Dave Ramsey who also filed bankruptcy) are the last ones to listen to or heed money advice. Life settlements (Dan Levine's favorite) have 10% commissions and have a significant risk of forcing investors to pay in more money or risk losing their entire investment. Why doesn't radio stations can these charlatans? Maybe they love the air time purchased by these crooks.