I wouldnt follow Carruthers too closely, he will hit a a decent price every now and then, but most of the time they run last it seems. and when he is on a favorite, it usually runs out of the money. and i still blame him for getting me off Funny Cide on the derby, he touted Indian Express up and down so I switched to him. I saw funny cide on cerveza's post, but that was before I followed Cerveza to a T.
On thier betting, I am sure they pay fast and everything. Check out youbet.com though also. It is publicly traded on NASDAQ. UBET