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I guess what so called guru's do is try to make all these secrets appear magically in a formula which you need to apply to make money. Most people forget that you need to do the hard work behind it for you to actually get the success and you still have to go to the school of hard knocks to learn...

Hmm I wonder why

I would say the same as Blacky What if you said to them I will give you a 10% deposit now and we can have settlement ( pay the rest of the program) in 1 years time to see if the investment worked for me? If it does not then I have the right to not pay the rest? Are they that confident that...