Earlier quoted context omitted.
So no, and you will just continue with the condescending assumption that anyone questioning you doesn't know anything?
I'm not sure how you would like me to answer false assertions? Especially since my post is clearly about people with a mortgage (as is the book I recommended). The best I can do is point you in the right direction to properly educate yourself.
http://badmoneyadvice.com/2009/03/whats-wrong-with-the-milli...