Don't assume the investment is tax-free. It's a relatively new product.

The general rule is to use up your outside assets first and let assets continue to grow in this wonderful, tax-deferred environment for a long, long time.

It just makes sense that the IRS wouldn't pick on people who are really trying to pay their taxes. There are plenty of other people they need to go after.

Those points are amortized over the entire term of the note,

It just makes sense that the IRS wouldn't pick on people who are really trying to pay their taxes, ... There are plenty of other people they need to go after.

People think it's similar to a CD, but it's not. The message for investors is to make sure they just don't believe the ads.