Mark Hulbert, a senior columnist at MarketWatch/Dow Jones, has been tracking the performance of investment advisors for over three decades, and his Hulbert Financial Digest newsletter is the leading consumers report for individual investors. You may also have seen his columns over the years in the Sunday New York Times, Barron’s, or Forbes magazine, or his TV appearances on CNBC and Fox Business.  With this certificate, you get a year’s subscription to the Hulbert Financial Digest newsletter and an hour’s discussion about investments with Mark Hulbert, at Joe Van Gogh, his treat! www.marketwatch.com