I decided to wait until my 1 year package was up. I have Professors Picks ar 18% roi over the last 365 days. Very good. He is 3rd party tracked and was the #1 capper last year. The capping service posted this recently on their twitter page so I saved it. This Chad guy who wrote 2 bad reviews seems to be a competitor since I know for a fact this company used SDN to grade their picks and they are not a scam. A+ highly recommend