I have used Tim's service, with automatic signals trading, it produced losses, in relative large numbers, but also of very large size, so it takes 4 winners to recover from one loss. I paid three month in advance, and when I stopped using it, I asked for at least a partial refund of unused service. He not only declined, but tried using insults and personal attacks . I can send the e-mail thread to whomever is interested. BEWARE OF HIM!.