Uh, no... you get 100% of your money back if you're unhappy in the first four months... in fact you're lying if you say otherwise. In fact, committing libel to call it a scam if the things can be done, which they can.
Yes he is. There are plenty of reports of unauthorized charges. However, the book itself is a scam, because for $40 you get a set of schemes that are either impractical, have a lot of qualifiers, or are out and out silly. Nothing in it truly makes a person's retirement easier.
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