Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

What are the marks of poor investment advice?
To evaluate any advice, this lists some of the things to consider: There are good advisors out there. There are also Bernie Madoffs who give the entire industry a black eye. In the end, the best path is to educate yourself, read as much as you can before you invest. Better to lose a bit by staying out of the market than to lose it all by getting scammed.