With marginal examples that I felt could go either way, I have always received back the reply of "Likely Not Genuine". I have found PSA to be very stringent, given my limited experiences using them.
As for the Ruth in question, I do think it's a genuine example of his rather hurried autograph. Not a stellar example of a Ruth, but I have seen many just like this one in the past on Team Balls and in PSA Holders.
As stated above, it's not foolproof, but rather a quick opinion, based on the "circumstantial" evidence (and lack of detail) that a computer screen is able to provide. I think it's a pretty good service that has cumulatively saved people a ton of money.
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