Conversation with a Financial Planner

I have the following conversion with someone who is considering to be a financial planner. Here are the issues involved in this decision.

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Rechargeable Torchlight (with Locator Lamp)

An innovative product - get ready for a power failure!
Read this brochure.
Promotion now available at iShop at $20 for 4 pieces or $5 per piece. .

A similar torchlight, under a good brand name, sell for $27.50 at the airport shop.