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Rick, I understand your frustration at not being able to gain enough information to make a decision without committing a significant amount of money. I am currently considering subscribing to Teaminvest but they expect you to sign up before you can fully understand what you are buying.  I like what I saw in a presentation that I attended but without more detail, it would be a significant leap of faith to simply accept what they say about themselves. I see this dilemma reflected in a number of posts about this sort of thing on ASF. I would have thought more people on a forum like this would have experience or knowledge of particular offerings and could offer their opinions.