their premium members buy at bottom and sell you at the top. Avoid these at all costs. Few other things to avoid are, lending platforms like bitconnect(RIP), davor etc, McAfee - avoid this joker at all cost he is an actual nutcase and I don't think he knows much about crypto projects or have any deep knowledge of any kind on crypto, if you've been following him and his reccommendations you know this already, avoid ICO's with no cap.
DO YOUR OWN F**** RESEARCH - A wise man
I'd say the same. These pump and dump groups indeed will position themselves before they even pronounce their predictions. So in that case the will profit big time while the members just go for scraps. Or usually they just announce something very late, like for example they announce a crypto that just gone up really high within the last 30 minutes and call that as something that will continue to pump. It's all the same, to be honest no one will give out free money.