I read your article and readers’ comments for 2008 about Karim Strategic Certificate. I believe Karim’s offer has morphed to what they now call ATM. Guranteed money coming out the hole (hopefully not from our pockets!). In his current push about ATM and auto/guaranteed payments he never mention what capital the investor would need. He said the advantage of his ATM method is you get a guaranteed income and if the stock ends in your hand you are getting it at a discount. Maybe true but what out lay does one need if the discounted stock ends up with the investor ? Deafening silence on that possibility ! My brain tells me that advertiser like Karim would keep the secret of his ATM product for himself if it is a genuine treasure but my heart sometimes murmur to my brain that perhaps Karim would love the glory of telling the world that he is a successful trader. This disastrous murmur of my heart hopefully have been kept in check with your matter-of-fact articles. I hope your readers would tread cautiously dealing with the Karim (s) of our world.

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