pOn your road to financial independence, you must learn to navigate and negotiate your way through an army of financial service providers who do not have your best interests at heart. You’ve already taken a huge step, by subscribing to Geezeo.com, and immersing yourself in the exotic culture of personal finance. I promise that these actions are simple. But not always easy. You must remember that highly skilled financial salespeople are much better at getting you to say yes, than you are at learning to say no./p