I used the service for a few years and found it informative. I never experienced any problems with the billing and once I decided to cancel the service, there was no problem. They were sorry to see me go, but none of the horror stories I read from others. Simply not a problem. I experienced anywhere from 14-23% returns for the few years using the service, while only 11% the year I went it alone. I have recently compared some of the other providers rates and am entertaining renewing my subscription at this time with "the street"