{"id":22547,"date":"2025-01-06T04:15:55","date_gmt":"2025-01-06T12:15:55","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=22547"},"modified":"2025-01-12T19:28:31","modified_gmt":"2025-01-13T03:28:31","slug":"8-misleading-claims-people-oftenmake-to-close-a-deal-3","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id22547-8-misleading-claims-people-oftenmake-to-close-a-deal-3.html","title":{"rendered":"8 Misleading Claims People Often Make To Close a Deal"},"content":{"rendered":"

\"misleading<\/a>The other day I came across an old article<\/a> that suggested a healthy dose of skepticism was essential when you’re watching television commercials that make misleading claims for both prescription and non-prescription drugs. No, really. A study published in the Journal of General Internal Medicine<\/em> found that 66% of claims made in television drug commercials were either misleading or flat-out false.<\/p>\n

Actually, before paying for anything<\/em><\/strong>, a little skepticism can often go a long way. After all, misleading claims aren’t limited to those who sell prescription drugs and other medicines. They’re also made by people who sell everything from dwellings to diamonds. Here are a few of the biggest examples:<\/p>\n

1. “The housing market is booming. If you don’t buy now, you’ll be priced out of the market forever.”<\/h3>\n

The usual suspects:<\/strong> Shady real estate agents looking to make a quick sale.
\nReality check:<\/strong> I fell for this back in the days when I was an impressionable twentysomething who thought all real estate agents look out for their clients’ best interest. That naivete led to one my biggest money mistakes<\/a> ever. The truth is, like the ocean tides, the housing market rises and falls. If home prices are too rich for you now, don’t worry. Over the long run, most people discover that, eventually, homes become more affordable — either due to increased earning power, or because over-heated housing prices fall to more sustainable levels.<\/p>\n

2. “Getting a college degree is a no-brainer investment in your future.”<\/h3>\n

The usual suspects:<\/strong> College recruiters and well-meaning parents.
\nReality check:<\/strong> Over the past 35 years, the cost of a college education has risen more than 1000%, far outpacing the rate of inflation. That’s the biggest reason why college is no longer the surefire return on investment it used to be. It’s also why today, more than ever, college isn’t for everyone<\/a>.<\/p>\n

3. “What do you mean you can’t afford it? We’ll just lower the monthly payments!”<\/h3>\n

The usual suspects:<\/strong> Car salesmen, timeshare peddlers, real estate agents, mortgage brokers, mattress dealers and other folks who sell big-ticket items on commission.
\nReality check:<\/strong> Go ahead and laugh, but lots of people fail to think about the extra financing costs that drive those lower payments. Consider the example of a $10,000 used-car<\/a> loan with an interest rate of 6%. Sure, spreading out your payments from three to seven years would lower the monthly payments from $304 to $146; but all of those extra interest payments end up boosting the final vehicle price by $1319.<\/p>\n

4. “Of course it’s a good deal — you’re buying in bulk!”<\/h3>\n

The usual suspects:<\/strong> Most everybody.
\nReality check:<\/strong> Some times it’s better to buy things in smaller quantities. For example, most perishables, including things like brown rice and mayonnaise, are usually better off being purchased in smaller quantities.<\/p>\n

5. “If you want your investments to outperform the market, you need to let a professional actively manage your money.”<\/h3>\n

The usual suspects:<\/strong> Mutual fund managers and other active-investing advocates.
\nReality check:<\/strong> An extensive survey by The Motley Fool <\/em>found that only 2%<\/a> of professional investors can routinely beat those who simply invested in a market index fund over the past decade.<\/p>\n

6. “Two month’s salary is a reasonable amount to spend on an engagement ring.”<\/h3>\n

The usual suspects:<\/strong> DeBeers, jewelry store salesmen, and gold-digging girlfriends.
\nReality check:<\/strong> Sorry ladies, but this is one of those financial old wives’ tales<\/a> that is based upon a very successful marketing campaign by the De Beers diamond company. The size of an engagement ring should only depend upon what your man can reasonably afford — not his salary.<\/p>\n

7. “We don’t have Coke, we’ve got Pepsi — but they’re the same thing.”<\/h3>\n

The usual suspects:<\/strong> Exasperated waiters, waitresses, and fast-food cashiers.
\nReality check:<\/strong> Anybody who tries to convince you that Coke and Pepsi are interchangeable<\/a> needs a new set of taste buds because there’s a big<\/em><\/strong> difference between the two colas. I know. This one seems rather petty, but I take my soft drinks seriously.<\/p>\n

8. “You really should get an extended warranty for that.”<\/h3>\n

The usual suspects:<\/strong> Slick product salesmen who know-better — and many minimum-wage sales associates who don’t.
\nReality check:<\/strong> As I’ve said many times, sometimes extended warranties<\/a> actually do<\/em><\/strong> make sense. The trick, of course, is figuring out exactly when<\/em> its advantageous to pull the trigger. Of course, sometimes that means taking a step back so you can discern fact from fiction.<\/p>\n

Photo Credit: HarshLight<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The other day I came across an old article that suggested a healthy dose of skepticism was essential when you’re watching television commercials that make misleading claims for both prescription and non-prescription drugs. No, really. A study published in the Journal of General Internal Medicine found that 66% of claims made in television drug commercials […]<\/p>\n","protected":false},"author":1,"featured_media":48735,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[457,459,461,463,465],"tags":[],"class_list":{"0":"post-22547","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-college","8":"category-family","9":"category-investing","10":"category-real-estate","11":"category-ripoffs","12":"pmpro-has-access","13":"entry"},"yoast_head":"\n8 Misleading Claims People Often Make To Close a Deal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id22547-8-misleading-claims-people-oftenmake-to-close-a-deal-3.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"8 Misleading Claims People Often Make To Close a Deal\" \/>\n<meta property=\"og:description\" content=\"The other day I came across an old article that suggested a healthy dose of skepticism was essential when you’re watching television commercials that make misleading claims for both prescription and non-prescription drugs. 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