Subscribe to Hillary Kramer service. Invested for 6 months and was not gaining. Audited the prior 6 months of investment advice from her archives and found it conflicted with her advertised returns. The advertised returns were correct but when offset by unadvertised losses it was only a 6% gain. In other words, she advertises only her gains and not her losses.
Netted against my investment of $995, I lost money. Cancelled and got a prorated refund no questions asked.