The second caller makes no sense. How are you giving half million, and says it 10% of your income when his income is only $400,000. Make it make sense.
You're confusing marketing with sales. Sales is trying to push what you already have. Marketing begins with assessing people's needs and designing products so that when consumers buy them, they'll be well-served.
And toward the end, Dave financed illiquid assets with short-term callable debt. And he claims to have a degree in finance! Did they teach him nothing?
