its a bit rough to tell bad guru take money from you. me myself believe the best guru is people who can talk the way you can understand it. i think nothingn wrong with collecting money for their service. it takes years for them to talk and give us knowledge. and finally you can say you yourself who can decide your destiny. if you ask me about the best investment guru, i would say Dr. Lawrance and Dato' Seri Mahadi. for female Nurhaili/EllyB. They are among the great mentor/guru in town.