Hi jjk2,

I've started to return every course, ebook etc that offers a money back guarantee. I buy everything that looks good and there is so many available but if I test it and it doesn't work I just return it. I only buy stuff from clickbank because you just click on yor order and choose return product. Paypal doesn't work because the person that must honour the guarantee have to authorise it. They usually don't but your bank can help you to reverse the transaction. Nobody steal money from me......

I don't think you can buy anything worthwhile.