Similar to some MLMs, the big money comes from those seminars and overseas travel trips that the syndicate organises for its members. NOT from the product sales itself.

I agree there will always be info overload – especially in these modern dates. It is still the learner who must take responsibility of how he or she will make good use of the knowledge (and at times, a lot of gibbilish crap) available. Learning from a live person is a plus but to be effective, there must be enough two- or multi-way dialogue. Listening through a lecture or even a conversational piece may be counter-productive because one may be picking up the pieces from a totally different perspective. Well getting a refund is just a consolation .. and hopefully something that will pay off the heartache.

yes, there’s a lot of ebook and ecourses on the internet and sold through clickbank that offers full refund.

In fact, sites like investopedia offer information for free.

But some people have the impression that learning from a live person is better as you get the real thing which books can’t give.

At the end of the day, it is really information overload if you really attend/read every single product out there, most of which are rehashed materials.

Some of them offer some kind of guarantee.

ie

1) you can walk out after the first day with full money back guarantee with no questions asked.

2) Can walk out at the end of the course with full money back.

Depending on how the lesson is conducted, the refund rate might be a few percent.

or some form of conditional guarantee

3) Apply my strategies for 6 months and if you do not make money, you can get a full refund.

The conditional one is harder to meet as it requires you to show some proof, and if the methods don’t work for you, the trading losses would be much more than the course fees. 😀