Sorry, this will be WAY more than 2 or 3 sentences... Overall I am happy with the value of the subscription. I'm 75 years old and relied on 3 different advisors to manage my accounts. I'm "drinking from a fire hose" right now but becoming more comfortable with taking a more active role. But the bottom line is I feel it has been time and money well-spent, even given the issues I express below. I have 3 key objectives for subscribing to Charles Payne's Wall Street Strategies (the "Hotline Service) and Payne's Education: 1. To create and maintain a portfolio that beats the S&P 500 Index. 2. To LEARN and SUCCESSFULLY APPLY the approach followed by Charles Payne’s Wall Street Strategies team. 3. To successfully maintain my portfolio on my own when my subscription expires. I do not believe that it would have been a wise decision for me to subscribe only to one of the services and not the other. I purposely delayed setting up my Starter Portfolio for 6 or 7 weeks so I could attend the Basic/Intermediate classes. That helped me avoid making serious mistakes when I finally created my portfolio. I also believe that it is difficult for me to provide an individual "score" for each of the two services. They are closely linked to and support each other. My Starter Portfolio represents only about 2% or 3% of my investments and is my "proving ground" for applying the "book learning" from Payne's Education and the "live learning" from the Hotline. Assuming I meet the 3 objectives above, I will expand the use of the techniques I learn in this first year to a larger portion of my investments. That being said, here is my 8-month review of the two services offered by Charles Payne: HOTLINE SERVICE - 1. The frequency of communications (Weekly "Payne's Perspective, morning and evening Hotline Reports, Hotline Alerts as needed) is "just right," not too much or too little. 2. The performance of my portfolio is not meeting my expectations. My 6-month results are below the S&P500 returns: 7.94% for my portfolio vs 10.21% for the S&P 500 Index. This is "where the rubber meets the road" and will be my focus for the next 4 monhths. 3. The initial instructions for how to use the Hotline Reports and Alerts most effectively weren't very clear. Early on, I made a mistake by trying to execute every "Long Idea" and quickly found myself out of cash and out of synch with the sector allocations in the Portfolio Approach. I now understand that the recommendations are, as the name suggests, IDEAS to be considered by the investor (me). 4. In most cases the rationale provided for the buy/sell recommendations is very limited. The "book learning" provided by Payne's Education is a great start, but I truly want to LEARN WHY the "experts" make the buy/sell recommendations in the "real world." Until I feel comfortable with investing MY money in a stock, I will have trouble meeting the three objectives above. 5. As I review the LONG ideas in the Hotline Reports and Alerts, I've found that some of the recommended stocks are rated poorly by other analyst services such as Schwab, CFRA and Morningstar. This causes me some "cognitive disonance" (aka, confusion) at times. 6. Finally, it seems that the team holds on to big losers (for example, ALB, DELL, ELF, GTLB) for too long. The performance of my portfolio has definitely suffered due to these 4 (and a few others) stocks. And I also recognize that it has only been 6 months and I just might have to eat my words in the future, as one or more of these "problem children" may prove me wrong. PAYNE'S EDUCATION - 1. The LIVE classes and Q&A sessions provide valuable and useful material. The level of detail in the Intermediate/Advanced classes is also "just right" although the pace seems fast at times. 2. Fortunately, the recordings of the lessons are available 24/7 on the web site. This allows me to view most lessons at least twice, which I have done for every class I have attended thus far. Notably, I "re-upped" for Education...the old saying ("It's hard teaching an old dog new tricks") is too true! 3. The Education team is timely in responding to my questions submitted by email. 4. The Advanced Peer-to-Peer Worksheet is a TERRIFIC tool for analyzing the fundamentals of individual stocks. However, the "Scored" tab doesn't seem to work well, so I manually develop my own scores. FINAL COMMENTS - These 2 services offered by Charles Payne fit together like a hand in a glove. I recommend that anyone considering subscribing to one of the services should seriously consider subscribing to the other service at the same time. I am optimistic that the next 4 months (for the Hotline service) and the next 10 months (for Payne's Education) well set me up for managing an investment portfolio to beat the S&P 500 and provide even greater security for my retirement years.