I subscribed to another Investing Service Several Years ago. It was much more expensive and not nearly as well organized as the Payne Education Services. The instructors at Payne Education are top notch and very knowledgable. They are always willing to work with the students until a concept is understood. My earnings on my investments average 10% or better which is much better than my investments that are managed by someone else. I suggest that anyone interested in making the most of their retirement dollars should take control of their own destiny by learning to trade stocks in the stock market. Payne Education Services is the best place to do that.