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@resjudicata Edited the list, thanks.

@resjudicata Added to the list, thanks.

@adesolution Sure!, can you name some?

@erinarden Though I agree they are scammy, Sales Agents marketing VULs are just doing questionable business practices but the products they sell are legit as they are still insurances but have lousy investment component.

@rachelr15 Once you start working never ever let them know how much you earn. Never. ever. Actually don't even let them know where you work. Because they might do something stupid like call the HR and ask how much you earn or if salary is already given. Though I know companies won't do this...

@excellentwife No worries, just want to help

@randintellectual Yes, it definitely looks like a scam. And the SEC warning is already a big clue.

I've been seeing lots of people asking about investment this investment that here in r/phinvest and it's really easy to check if these are legit but still a lot fall victim to them. Remember: If it's too good to be true it probably is. Some things to check if an investment is actually a scam...

@an8id Yeah, it could use some changes for the terms. With regards to saving regularly, it probably means overall, could be monthly or yearly or whatever as long as the total is considered. We could also think of it in tiers, so instead of: it could be: Has Savings Rate of 15-30% - +1 Has...

@hbgcamila I agree, yes they should be tiered. But only up to a limit. Like 50M or more should be in the same option and have the same points. Of course having 100M, 200M or even a billion is a good thing but I think it's more than enough for everyone. Should probably be Income generating asset...

Saw this post from Investa: What's your PF score and I'm wondering if we should make a survey for peeps here in the sub? Maybe we can modify the items first or add more details and choices before we start? If you have any suggestions, you could comment them down below. Here's the list they got...