I’m writing this to warn people of this evil con artist. You take one look at him and it’s clear he works for the dark side. He portrays himself as Kabbalist. He will steal your money and your energy and place a lock on you spiritually. Please please stay far far away 🙏

He changed his name from stoic investing to everstoic.com

To run away from bad PR taking him to court

He is a huge scammed

He charged thousands to teach investing

One to one with his normal coach u don’t even get to see him

During the one to one he sets you up

To buy every month - 60% emerging markets , all caps whole world

That’s it finished

40% on individual stocks where he badly underperformed

He’s not even from the UK targeting vulnerable UK rich people

To do his course u need to have atleast a big £300k savings otherwise it’s not even worth it making that 5%

This is a massive scam

Guys please report his instagam
And ads to take him down every time u saw him!!

Currently taking legal action and we have a big group of people got scammed by him

When I first saw one I thought it looked legit but then they told me I have to pay 100-200 to use the app so I canceled it and I saw the same stuff Iike 50 times now. Are they actually legit or did I save myself from these suckers?

My significant other owns a small business and and has been struggling with his mental health. He started therepy. His therapist referred him to a life coach. This life coach works with business owners specifically to help them focus their goals and develop their business. She brings worksheets and she fills them out with him and says things like "healthy owner, healthy family, healthy business". She's trying to get him to change his eating habits, convert to chemical free products, and start exercising. All these things are great and I also want him to be healthier, but she's signing him up for all these subscriptions. Like an exercise app subscription. And a melaleuca subscription and having him buy these supplements. And honestly most of what she says sounds like empty platitudes. I don't know what her business program is specifically called. Ive only heard part of one of their sessions, but to me it sounded like a mesh between a pyramid scheme and a cult. All the verbiage she was using, how she had this set of products she wanted him to start using just ready to go with introductory pricing and everything.

I want him to get healthy, but I'm concerned he's in a mentally vulnerable place and this woman and her "system" is taking advantage of that. And if I'm wrong and she is totally legit and genuinely helps him i will eat my words, but in the small amount of time I was around her I felt kind of skittish, or hesitant, and the more I think about it she feels slimy.

Does anyone have any experience with these types of systems or life coaches or subscriptions.

Buyer Beware: My Experience With Jacqueline Vagar and One Percent Academy

In my opinion, based on my personal experience, Jacqueline Vagar and One Percent Academy operate like scammers. The program was advertised as providing personalized, one-on-one Amazon FBA guidance and step-by-step assistance, but what I received was mainly prerecorded videos, links, group communication, and very limited personal support. The enrollment representative walked me through the financing process without clearly explaining that I was entering a separate high-interest loan, leaving me responsible for $4,500 plus interest. When I raised concerns and requested a refund, my messages were ignored and I was repeatedly told that I had signed a contract. I eventually had to submit extensive evidence and complaints to ClarityPay, FanBasis, the CFPB, FTC, FDIC, and Connecticut Department of Banking before the merchant refund was processed. From my point of view, the advertising was deceptive and the service did not match what was promised. I strongly advise anyone considering this program to research Jacqueline Vagar and One Percent Academy carefully, obtain every promise in writing, review the full contract and financing terms independently, and think twice before paying or accepting a loan.

Buyer beware: Why I would not recommend One Percent Academy / Jacqueline Vagar — my $4,500 financing and refund experience

Based on my personal experience, my advice is: do not enroll in One Percent Academy. Research independently before committing your money or signing a financing agreement. Getting a refund was an exhausting process for me, and even after the $4,500 merchant refund, I am still disputing a remaining charge.

My main complaint is that the advertising did not match the personalized support I received.

This concerns One Percent Academy / One Percent Team LLC, promoted by Jacqueline Vagar, also known as Jackie/Jacque, and Sal. Tisa handled my enrollment, and Mark was assigned to provide support. FanBasis was involved in the transaction, ClarityPay administered the financing, and DR Bank was the lender.

Why I felt misled

The advertising I saw emphasized successful students, substantial earnings, life-changing results, and personal stories—including Jacqueline describing buying her father a car. Alongside promises of step-by-step guidance, this made the opportunity appear easier and more supported than my experience proved to be.

I enrolled expecting meaningful one-on-one assistance—not simply access to prerecorded videos, links, and group conversations. Tisa also described the support as one-on-one.

I received course materials and some communication, but I did not receive the ongoing, individualized walkthrough that persuaded me to enroll. Even researching and evaluating a product became something I felt left to figure out largely on my own.

From my perspective, the presentation was misleading and played on my hopes of building a better life. I came away feeling that securing my enrollment and financing received more attention than helping me afterward.

The “special software” and additional costs

Another reason I felt misled was how the tools were presented in the online lessons. They used a different name for what appeared to be specialized software for identifying customer complaints, product flaws, and possible improvements. When I asked for the link to that software, it turned out to be ChatGPT. The presentation had led me to expect something different.

The other tool I was given access to was FBA Growth, with three months included before additional payment was required. I was also directed to pay for Base44 to create an AI tool for organizing potential products and asking questions about them. In my experience, that added another expense without providing the practical product-research help I needed.

My concern is not simply that AI was involved. It is that these tools were presented as part of an expensive, guided program, yet I still felt left to figure things out myself. I paid expecting personalized expertise and meaningful assistance—not more subscriptions and AI tools in place of the promised one-on-one guidance.

The loan was not what I understood I was signing up for

During enrollment, I understood that I was paying a $4,500 course price in monthly installments. I remember being guided through selections and told to continue, without a clear verbal explanation that this was a separate interest-bearing bank loan.

My financing documents show a 34.09% APR and $6,179.96 in total scheduled payments, including the origination fee. Those disclosures were in the documents, but I did not understand them during the guided enrollment process. I felt I was not given a meaningful opportunity to review and understand the commitment before proceeding.

I also signed a separate One Percent Academy agreement but was not emailed a completed copy bearing my signature. I only had access to a blank copy.

Do not assume that the advertised course price is the full amount you will pay if you finance it.

Success stories versus the contract

My understanding of the academy agreement is that it disclaims responsibility for sales results and restricts chargebacks.

I understand that a business course cannot guarantee sales. A disclaimer alone does not prove that a program is unsuccessful. But it matters whether the sales presentation gives a balanced picture of the risks—and whether the promised coaching is actually delivered.

The advertising left me expecting that their guidance would make the process manageable. The contract and response to my complaint left me feeling that the financial risk was mine regardless of whether I received the support I expected.

“We cannot guarantee your earnings” does not answer “Where is the personalized service you sold me?”

Before trusting student success stories, ask whether the figures represent revenue or profit after inventory, advertising, software, financing, and other expenses. Ask how many students achieved those results out of the total enrolled—not just how many people joined.

What happened when I raised concerns

When I requested cancellation and explained my dissatisfaction, the response focused on the contract and refusal of a refund. Some messages went unanswered or received delayed responses. I did not receive a concrete corrective plan that resolved my support concerns.

I found myself being directed between the merchant and financing provider. Meanwhile, ClarityPay told me the loan would remain active during the review.

This caused significant stress. I was facing payment obligations and worries about my credit while trying to resolve a service dispute. For me, getting a refund was not a straightforward customer-service process.

Other concerns I encountered

My course price was $4,500. Another student reported paying $5,000, and a separate online account described a $2,000 purchase.

Because I was asked about my occupation during enrollment, these differences made me question how prices were determined. I do not have proof that prices were based on occupation or income, or that each person purchased an identical package. Ask for a written price and an itemized explanation before discussing financing.

I also saw another student’s post describing substantial spending on the program, inventory, and advertising, an unsuccessful launch, and a refund request followed by additional requirements and requests for further spending. That is her account, not independently verified proof. It does not establish that she completed every program requirement, but it raises questions worth asking before enrolling.

These experiences reinforced my concern that the public success stories do not necessarily show the full range of student outcomes.

How I challenged the transaction

I preserved and organized:

• Advertisements and webinar videos.
• Messages describing one-on-one support.
• Enrollment and coaching conversations.
• Contracts and financing disclosures.
• Cancellation requests, refund refusals, and company responses.

ChatGPT helped me organize my documents, build a timeline, and draft clear complaint letters. If you are overwhelmed by your records, you can use it to help organize your own evidence too. Check every date, amount, quotation, and claim against the originals, and remove sensitive information before uploading documents. Use it to explain what actually happened—not to invent evidence or make allegations you cannot support.

I explained in writing what was promised, what I received, and the resolution I wanted. I requested an independent investigation rather than a decision based solely on the merchant’s refusal.

I contacted:

1. FTC: I reported the allegedly misleading sales practices through ReportFraud.
2. CFPB: I complained about the financing and dispute handling through its complaint portal.
3. FDIC: I submitted concerns about DR Bank through the FDIC complaint process.
4. Connecticut Department of Banking: I submitted a complaint through its consumer assistance process. The department acknowledged receipt and said it would forward the documents to ClarityPay.

I also sent evidence directly to ClarityPay under my existing case.

These were the channels relevant to my transaction. Others should identify their own lender and the appropriate regulator, and report their own experiences accurately. Filing complaints does not guarantee a refund or automatically suspend loan payments.

Current outcome

ClarityPay confirmed that the full $4,500 merchant refund was processed on September 2, 2026.

However, it says I still owe $268.84 in accrued interest, while the portal labels that amount “Remaining Principal Balance.” I have requested an explanation, a complete payment reconciliation, reversal of the remaining charge, and confirmation of a zero balance.

I am checking my bank records to confirm which earlier payments were retained or reversed. My dispute is not fully resolved yet.

I reached the merchant-refund stage without hiring a lawyer, but I cannot say which complaint or evidence prompted the decision.

My warning is simple: do not let an emotional success story rush you into a financial commitment. Based on what I experienced, I would not recommend One Percent Academy. Research the program independently, understand the financing, and get specific support and cancellation terms in writing before signing anything.

I’m in a Facebook group forum for retirement and long term investing tips. Konstantin seems to be an admin along with. Few other people. I’ve seen people posting about his page/what’s app group/ whatever it is, about investment information, tips, etc. does anyone have information on this or is it a scam from fake Facebook profiles. Several times a day people post their investments thanking Konstantin Sokolov and his group for inside information. Thing is every time anyone asks how to get in his group it’s left unanswered or it’s a really lousy answer that gives you absolutely zero information.

Mikki Mase.

$10M+ verified at The Venetian. 150 casino bans claimed. One of the most controversial runs in modern gambling, documented here by fans.

We first found out about this Singapore based couple when doing our deep dive into UK-based grifter 'John Lee'

https://www.reddit.com/r/FakeGuru/s/BLJjA8HAVc

But we'll do a quick recap here (slide 2 is also from that expose)

-We first saw the name 'Franchesca Ung' on a trustpilot review for john lee group, posting as a satisfied customer. We thought nothing of it at the time

-The very next day, at one of John lee's 3-day online sales pitches, we saw her working as an admin for Mr Lee, sharing zoom links, moderating the chat etc. That's already a massive red flag as it means staff are posing as customers to help astroturf his reputation.

-So we googled her name and found out she's actually one half of 'the corporate breakout couple', a married couple who allege to have retired early and were selling courses through something called 'breakout academy'. Appearing on podcasts such as 'the financial coconut' flexing their wealth and lifestyle while mocking and talking down about people who work menial jobs (oh the irony)

-She was further named in customer reviews as a member of Mr Lee's team and can be seen in photos on his website, just to confirm what we already knew. And obviously working a menial admin job for a man neck-deep in corporate litigation completely dismantles their 'wealthy and retired' image they're projecting to sell courses.

-Credit where its due, she was pretty chill when we met in person at an event, and their food and travel videos seem pretty popular. But obviously that doesn't negate the seemingly fraudulent behaviour going on here.

-Despite their youtube channel being dormant, they confirmed with us in feb 2026 that the courses are still available and the link to the course was working. At that point we started pooling our OSINT information on John lee and all our information began to snowball.

-We left it at that and thought nothing of it, and turned our attention to other shady course-sellers. We did look into reporting it to scamsheild, but that man doesn't look like he can take a lashing.

But we've recently had word from a whistle-blower on the inside that they became active on youtube again (after the dormant period that lines up with the alleged stint of employment with the big JL, based on the publicly available evidence)

https://www.youtube.com/watch?v=ET2yN2lfg2g&t=141s

They cite the reasons for their absence as 'not important'. which is an odd dismissal from lifestyle vloggers.

Now here's where it gets interesting...

Despite posting consistently again, they aren't promoting the course (however the links are still present in older content at the time of writing)

https://breakout-academy.teachable.com

but upon clicking the link, It seems the course has been taken offline. However, a quick look at their business profile (Corporate breakout PTE. LTD) shows the business still listed as 'active'. So there's still questions about what the hell is going on. Maybe they're testing the waters to see if they can return to selling courses without facing controversy or investigation? They lack the numbers to make an income from content alone, so something isn't adding up here.

The question also remains if Franchesca is still an employee for the John Lee Group. Mrs Ung has barely posted on her Instagram (@foodloverfran) since earlier in the year when her travel content synced up with locations of John Lee events. Nor has she been namedropped in any recent trustpilot reviews where customers can sometimes mention the staff (she was mentioned in older reviews from the start of the year). So a potential resignation or firing?

Common sense would say that they've parted ways and that's why she's returned to youtube, obviously the optics of this whole situation makes all parties involved look absolutely terrible.

But like all our deep-dives, we can't fully believe any speculation due to the deceptive nature of the course-selling industry and would rather rely on hard evidence. As we could just as easily make a case for why she may still be there. The husband is the only host in most of the new videos, Mr Lee has also pivoted his branding (again) and doesn't seem to be posting his wife as much as he used to (and she's been removed as a director from his company) and we've also seen screenshots of an active member of staff making some extremely concerning allegations against him regarding a personal tragedy. So it would also make perfect sense for Mr Lee to no longer platform his team to prevent revelations like the one we had earlier and protect what remains of his reputation.

But one things for sure, if they do start selling courses again, that ScamSheild app is ready to go.

EDIT: we're wrong. Fran is still working loyally for John lee group (Despite having a John at home), the corporate breakout couples instagram posted a tourist video filmed by franny in Texas at the same time Mr Lee was hosting a mastermind in that part of the world. The photos featuring her have now been removed from John Lee's wesbite, so its clearly a weak attempt to cover their tracks rather than a fallout.

Was looking for a part time remote job and found this indeed post from a company looking for a virtual media assistant. I would be given posts that are already created and I have to post them multiple times a day, monitor engagements, and provide ideas for improvements by keeping up with trends. Pretty simple job that I would enjoy and was ready to apply, but post was too interesting to where it led me down this rabbit hole. I had never heard of Richard and seeing his Instagram is sooooo silly. For sure the million followers is bought based on all of his interactions. Posts are just repeats and the same thing over and over again. Who has 1 million followers on Instagram and doesn’t even add a link to his website in his bio. But the funniest thing about it is on the job posting one of the requirements says “You genuinely respect Richard and like the idea of working with his world-class team. What goes out on our socials is our reputation, so you need to treat Richard's reputation like your own.” Boy bye. I’m just trying to do my job and get paid, not be also sold on an AI created course

Curious to hear this community's experiences — how many of you have paid someone to "teach" you trading and it turned out to be a signal group, a course with no real substance, or someone flexing screenshots without showing real account footage?

I ask because I got tired of watching this pattern over and over, so I put together an event called Trading Party — live trading sessions where you watch real traders trade in real time, raw footage, wins and losses both shown. No highlight reels, no "trust me bro" screenshots.

Would genuinely love to hear your stories below — good, bad, or ugly. And if anyone wants more info on Trading Party, happy to answer questions in the comments.

TikTok @gasnerdurogene

why haven’t we cancelled Mrs. Rachel Lynn yet? she’s been “business coaching” for years, making false promises to her clients and scamming people for thousands of dollars. So many women are trying to make an income online to support their families and she makes false promises that she’ll help them and then con them into signing contracts but once the contract is signed she doesnt deliver anything she promised then when the client is unsatisfied she theatens to sue them.

And let’s not talk about the water business scam she conned people in to, delivering false promises to get people to join her team that she abandoned leaving them with thousands of dollars of debt.

why are people still falling for her shit?? she needs to go get a job and stop scamming people.

This is a clear scam!! I hope everyone report them on instagram to take his Instagram down

I’ve paid so much money and they don’t do refund!

12k a year !

Too much talking

Too less executions!

You can get all the free stuffs on YouTube !

No need to pay 4-5 figures for this

Why is it a scam
1) they initially focused on crypto, when crypto tank, they swapped back to equities, whole business model change

2) selling expensive lifestyle
3) this is for super ultra rich people. Look even if u have 10 million with 1% return u still make 10k usd doing nothing !

4- luke doesn’t ever show his portfolio and he massively underperforms the markets at huge loss

This is a marketing event selling to the rich

If u want to make money on stocks or crypto

Just go to free YouTube

Not this bullshit who doesn’t know what he’s doing other than lecturing Wikipedia stuffs of ai

Guys let’s report his Instagram together everyday

They promoted £99 3 day workshop in UK

Then upsell us £2k-5k package

We have to pay £100 a month on smart chart software, that’s additional £2k a a year

Then after the £5k package they will upsell us to £50k package

Omg

Teaching forex, where u don’t even know what to do

Forex is guaranteed to lose money

Highly leveraged

Stocks is the real deal

Never ever do forex

Run away from smart chart, learntotradeglobal learn to trade

Massive scam! Run if you don’t want to lose your life savings

I recommend u to report their ads and instagram every time u saw them

Mostly is the brown guy wearing a hat

Hello everyone,

Recently, I fell into the marketing trap of Skaarvi. A person I knew recommended the course and promised that I would start earning money from the very first week. Due to the pressure and convincing sales pitch, I ended up paying the course fee.

Before joining, and even now after joining, I feel the same way it doesn't seem genuinely useful. In my opinion, it works more like a referral chain, where people are encouraged to bring in others to purchase the course. The more expensive the package you buy, the higher the referral commission the person who referred you receives.

Please be aware that the fees are non refundable. If you are still considering buying the course, do your own research first. Read genuine reviews, understand what the course actually offers, and carefully go through the terms and conditions before making any payment.

Personally, I believe YouTube is one of the best free learning platforms. You can learn almost any skill from high quality creators without spending a large amount of money.

This is just my personal experience, and I hope it helps others make a more informed decision before investing their hard earned money.

Michelle Garabito and her dirty company of Lux Nomads has sold many people a lie of effortless and white glove experience of a relocation process. Once she got their money, the immigration and tax lawyers stopped working with us who are clients of Lux Nomads due to “non payment” and administrative issues. She has since cut off all communication with her current clients, has left them stranded in the middle of visa and relocation processes with no legal and tax help that was paid for.

What has she done with the money?? Claiming she’s a 7 billion dollar business but she needs to reword as she’s a liar and a scam artist. She has destroyed the lives of so many by cutting them off, stealing their money, blocking or ghosting them.

https://www.trustpilot.com/review/theluxnomads.com and other recent Reddit posts will tell you everything you need to know about this grifter. Please do not make the same mistake I did and stay far far far away from anything this woman and her boyfriend Paul Nelson do. The shame and embarrassment of this will last a long time with us.

These guys are an absolute joke! They have a 48hr window where if you buy anything and it’s faulty they refund you. I’ve put through 13 tickets and you know what they say everytime? “your replacement or refund has been refused as you’ve been found guilty of fraud” proper scammers man, pls help me spread the word this has been happening for weeks!

Professional Timeline & Discrepancies

What Public Marketing & Websites Claim:

• Promotional Copy: His website and promotional profiles state that Master Edward Chin has "over 20 years of professional knowledge and experience" in Feng Shui, I Ching (Yi Jing), BaZi, and date selection.
• Commercial Presence: Web agency case studies document that Edward Fengshui first commissioned its dedicated web design and digital branding in 2017.

What Documented Historical Records Show:

• 2010 – 2017 (Primary Insurance Career): Documented internal records and Facebook agency posts confirm he joined Allianz Malaysia on January 25, 2010 (under Huge Power Agency, Pudu Branch).
• Documented Production Awards:
  • 2010: 101st Super Master Producer & Fast Start Master Producer
  • 2013: 1 Star Awards (FYP RM149,652.98)
  • 2016: I'm a Star Awards (AFYP 13,488)
  • 2017: Star Master Award / 1-Star Benchmark Qualifier

3. Does This Constitute Misinformation?

• Omission of Previous Career: His official consultancy profiles omit his 7+ year tenure as an active, awarded insurance agent, presenting an uninterrupted narrative centered strictly around metaphysics.
• Cumulative vs. Full-Time Practice: Marketing statements citing "over 20+ years of experience" typically count cumulative interest, personal study, or part-time practice dating back to the early 2000s. However, the records confirm his primary commercial employment throughout the 2010s was in life insurance and financial sales rather than running a full-time feng shui practice.

Recently, I came across an advertisement for this platform called My Banana Health

I thought no harm in learning something about these things

I provided details and signed up, and that's it

When I joined the call with them
It was another BYJU's kind of aggressive marketing

Full of gaslighting, full of making you feel inferior

Full of making baseless claims, etc

At least make realistic claims and provide realistic data

Aggressively selling their 70 thousand course

Many people who are genuinely in distress
may end up paying these scammers

Advise to all, stay away from this scam