Moon's last aspect?

1
I have read that when the Moon in a horary chart last aspects a retrograde planet or a malefic, the results will be disappointing to the querent... have you all found that to be true?

I also was taught that when a significator is retrograde, the person or thing signified by that planet will undergo some change, change their minds, return (if it's a lost object) or be damaged.

Your thoughts?

it depends

2
I think you should repeat the mantra: it depends !

Sometimes the last aspect is not important to a question.
Sometimes besides the last aspect there is an aspect out of sign that will save things.

If your dog?s ruler is retrograde, it may mean he is coming home
If your groom?s ruler is retrograde, it may mean he is giving up the marriage and will run away.
If the seller of your car is retrograde, it may mean he lacks honesty

So it depends :-D
Yuzuru