Don't and didn't deal in penny stocks. Mostly regular S&P500 type of similar values ~$10-$50K. An example: Some smart lawyers sued MSFT for some I forgot issues and won millions which meant their fees were millions. After filling out tons of records and proofs, I finally got my compensations: A certificate for a $99 discount if I bought certain Microsoft products. I never used the certificate because I was never interested in those products.