What does this mean to you?

Expect time your check clears to decrease drastically. If you live paycheck to paycheck and often count on a one or two day "grace period" to get funds into your account after paying bills, you'll need to re-organize your budgeting process. Checks will clear in a matter of hours now, not days.

You will no longer be getting your cancelled checks back with your bank statement. If you get anything at all, it will be a "substitute check" which is a certain kind of copy of your original check.

Does strategy have a track record? Without this you are really allowing your emotions to be in play. All of us want to believe that if someone says something it must be true. Yet sad fact is truth is probably just opposite. Most ads and promotions are put in print for self interests first, and all else second. One has to view anything on web with a skeptical eye. The minimum that an investment strategy should give you is a previous track record. The longer track record is better. Something that has worked for a matter of months is usually not long enough in trading world to be considered successful. Some promoters do not release their track records because they say that “past performance is not an indication of future results”. This is true but certainly no performance is not an indication of future results either. Some promoters do not release their track records because they say “we used to do a track record but subscribers got upset if strategy lost money when they subscribed even though it made money over a yearly period.” That may also be true but it is also part of game. Subscribers can not expect to make money from day one when trading a long term strategy. However, that should be self evident in track record. And some promoters do not release their track records simply because they don’t have one or they have a bad one. It’s as simple as that no matter what they say.