RSE = Really Stupid Example: when it comes to giving financial advise. Ramsters I know told me that Ramtha supposedly recommended they convert their financial investments into silver and gold.
Let us suppose a ramster had USD $20,000 on December 31, 2011 that she wanted to do with as Mr. Ramtha recommended. (December 31, 2011 was a Saturday, so markets would have been closed on that day.) If our ramster had the $20,000 in market securities, there would have been sales commission to convert into cash for purchasing precious metals. Further, no small $20,000 investor gets to purchase metals at the, "spot," price. There is a commission in the $2 - $3 per Troy Oz. charged by the broker. I'll ignore the commissions for the comparison
Start with $20,000, buy $10,000 of silver at $30.30 per Troy Oz., and $10,000 of gold at $1,566.40 per Troy Oz. The ramster bunker is thus stocked with 330 Troy Oz. of silver and 6.4 Troy Oz. of gold.
Fast forward to June 1, 2014. Our ramster finds out that C+E didn't save her from ovarian cancer, and she needs to pay some huge medical bills because she's uninsured thanks to the conspiracy theories she learned in RSE classes. Time to sell that metal from the bunker. As of June 1, 2014 330 Troy Oz. of sliver = $19.73 * 330 = $6,180.90 and 6.4 Troy Oz. of gold = $1,247.40 * 6.4 = $7,983.36 for a total cache of $14,124.26. Actually the ramster would receive less cash than that because she would have to pay the broker's commission to convert the metal back into spendable cash. Thanks to Ramtha's advice, she lost almost one third of the value of her nest egg.
On the other hand, suppose our ramster had listened to JZ Knight's kid, the computer whiz, instead of Mr. Ramtha. JZ Knight's kid probably knows a thing or two and could have recommended investing in Apple Computer. On December 31, 2011, Apple shares were $405. The ramster could have bought 49 shares of Apple and kept $155 in change. On June 1, 2014, the Apple shares could have sold for $633 each, or $31,017 plus the $155 leaving a total of $31,172. Apple also would have paid a few modest cash dividends along the way too.
Our hypothetical ramster would have been a more than twice as wealthy by not following Mr. Ramtha's advice.