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	<title>Comments on: The Finer Things - Closing</title>
	<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/</link>
	<description>the latest HYIP community updates, from readers, to readers</description>
	<pubDate>Thu, 04 Dec 2008 02:16:47 +0000</pubDate>
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		<title>By: taekugi</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30986</link>
		<author>taekugi</author>
		<pubDate>Sat, 30 Dec 2006 13:25:09 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30986</guid>
		<description>it is timothytgw@gmail.com
i can't find yr email anywhere on this site so thought i would drop a comment here for yr attention
:)
sorry for not leaving my email earlier on</description>
		<content:encoded><![CDATA[<p>it is <a href="mailto:timothytgw@gmail.com">timothytgw@gmail.com</a><br />
i can&#8217;t find yr email anywhere on this site so thought i would drop a comment here for yr attention <img src='http://hyipblog.nobshyip.net/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> sorry for not leaving my email earlier on</p>
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		<title>By: Jude</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30719</link>
		<author>Jude</author>
		<pubDate>Fri, 29 Dec 2006 23:21:21 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30719</guid>
		<description>taekugi, have you sent me any emails yet? what is your email btw?</description>
		<content:encoded><![CDATA[<p>taekugi, have you sent me any emails yet? what is your email btw?</p>
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		<title>By: scott</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30700</link>
		<author>scott</author>
		<pubDate>Fri, 29 Dec 2006 22:09:55 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30700</guid>
		<description>Paul, the points you made about forex trading are exactly correct.  I was out of tft today, unfortunately, Andy decided he had enough money to live comfortably several days ago and my money came up 3-4 days short.  Andy indeed did say several different places that the returns were coming from forex trading, sports betting and debit card sales.  In my opinion, all this talk about a ppp was his exit strategy.  The thing he didn't count on is many people, including myself, have had experiences with ppp's and know that they are not all that people make them out to be.  Andy has not talked about what percentage of the money was lost, only that there were losses.  That's ok, why not give people the chance to either take a percentage of what they are owed, or let it in and let him work with it.  The answer is simple, this was a ponzi and he lied to everyone all along.   He admits in his update that the entire month of December he used members money to pay other members.  The other thing that is really starting to aggravate me with the current hyip/autosurf admins is the who attitude of "read the terms of service"   This is a crock of shit and way too many admins including Andy are using this excuse as an end all.  I put my money in tft based on Andy saying there was forex trading, sports betting and debit card sales.  I would not have put money there if I knew it was a ppp and by him simply making that decision and changing the program, it may be ok according to his tos, however I would consider it dishonest and negligent.  He has also said several times in the last 3 days that, "in hyip land there are no refunds."  Well, that is a bunch of baloney as several real programs, which Andy claims tft is, have given refunds(4x club comes to mind right away).  Again, in my opinion he is saying that because he is out of money, or he doesn't want to pay any out and is getting away with a lot.  Tft was getting more and more money coming into it, so if it was a full fledged ponzi, there was and is plenty of money left, but evidently it's all for Andy.</description>
		<content:encoded><![CDATA[<p>Paul, the points you made about forex trading are exactly correct.  I was out of tft today, unfortunately, Andy decided he had enough money to live comfortably several days ago and my money came up 3-4 days short.  Andy indeed did say several different places that the returns were coming from forex trading, sports betting and debit card sales.  In my opinion, all this talk about a ppp was his exit strategy.  The thing he didn&#8217;t count on is many people, including myself, have had experiences with ppp&#8217;s and know that they are not all that people make them out to be.  Andy has not talked about what percentage of the money was lost, only that there were losses.  That&#8217;s ok, why not give people the chance to either take a percentage of what they are owed, or let it in and let him work with it.  The answer is simple, this was a ponzi and he lied to everyone all along.   He admits in his update that the entire month of December he used members money to pay other members.  The other thing that is really starting to aggravate me with the current hyip/autosurf admins is the who attitude of &#8220;read the terms of service&#8221;   This is a crock of shit and way too many admins including Andy are using this excuse as an end all.  I put my money in tft based on Andy saying there was forex trading, sports betting and debit card sales.  I would not have put money there if I knew it was a ppp and by him simply making that decision and changing the program, it may be ok according to his tos, however I would consider it dishonest and negligent.  He has also said several times in the last 3 days that, &#8220;in hyip land there are no refunds.&#8221;  Well, that is a bunch of baloney as several real programs, which Andy claims tft is, have given refunds(4x club comes to mind right away).  Again, in my opinion he is saying that because he is out of money, or he doesn&#8217;t want to pay any out and is getting away with a lot.  Tft was getting more and more money coming into it, so if it was a full fledged ponzi, there was and is plenty of money left, but evidently it&#8217;s all for Andy.</p>
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		<title>By: taekugi</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30607</link>
		<author>taekugi</author>
		<pubDate>Fri, 29 Dec 2006 15:51:07 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30607</guid>
		<description>hello jude, need your advice on something
wondering if you could reply to me via email?

thanks</description>
		<content:encoded><![CDATA[<p>hello jude, need your advice on something<br />
wondering if you could reply to me via email?</p>
<p>thanks</p>
]]></content:encoded>
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		<title>By: Paul</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30554</link>
		<author>Paul</author>
		<pubDate>Fri, 29 Dec 2006 14:06:50 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30554</guid>
		<description>oh...

One more thing.

Even though Andy says this will not effect XLO, it most certainly will and I suspect we will be hearing that late and slow payments will start happening any day now.

If you have an upgrade expiring anytime soon I would let this blow over first before upgrading again.

Just my 2 cents

Good luck</description>
		<content:encoded><![CDATA[<p>oh&#8230;</p>
<p>One more thing.</p>
<p>Even though Andy says this will not effect XLO, it most certainly will and I suspect we will be hearing that late and slow payments will start happening any day now.</p>
<p>If you have an upgrade expiring anytime soon I would let this blow over first before upgrading again.</p>
<p>Just my 2 cents</p>
<p>Good luck</p>
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		<title>By: Paul</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30548</link>
		<author>Paul</author>
		<pubDate>Fri, 29 Dec 2006 13:54:18 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30548</guid>
		<description>Hi Scott,

I stand corrected.  I only participated in the program for two months.  I took my 160% profits and moved on.  That is the only way to play obvious ponzi programs and TFT  was an obvious ponzi to me.

I didn't realize Andy talked about how he actually made returns.  If he did indeed state how profits were made, then yes, he lied.  But, I also know that   every autosurf and most hyips are at least participially ponzi and will come to an end, some sooner than later.  That's not necessarily a bad thing as long as you know it up front.

In regards to earning 80% in a month trading Forex or Sports Betting, I have traded Forex and Futures for a few years now and have learned that If a person earns that much money in any given month, they are taking on enormous risk and are extremely irresponsible with their account.  

When that type of risk is taken, ruin is inevitable.  We could have a long dry discussion on money management and why it is at least as important as trading skills but I don't think most would be interested.

Just know that once you move over the 10% monthly range, you start moving into returns that are extremely difficult to maintain on a regular basis.

There are programs that pay more than that but if you invest you have to look at them very closely and make sure talk to the trader about his money management scheme.  Chances are he his taking much more risk than you think.

Paul</description>
		<content:encoded><![CDATA[<p>Hi Scott,</p>
<p>I stand corrected.  I only participated in the program for two months.  I took my 160% profits and moved on.  That is the only way to play obvious ponzi programs and TFT  was an obvious ponzi to me.</p>
<p>I didn&#8217;t realize Andy talked about how he actually made returns.  If he did indeed state how profits were made, then yes, he lied.  But, I also know that   every autosurf and most hyips are at least participially ponzi and will come to an end, some sooner than later.  That&#8217;s not necessarily a bad thing as long as you know it up front.</p>
<p>In regards to earning 80% in a month trading Forex or Sports Betting, I have traded Forex and Futures for a few years now and have learned that If a person earns that much money in any given month, they are taking on enormous risk and are extremely irresponsible with their account.  </p>
<p>When that type of risk is taken, ruin is inevitable.  We could have a long dry discussion on money management and why it is at least as important as trading skills but I don&#8217;t think most would be interested.</p>
<p>Just know that once you move over the 10% monthly range, you start moving into returns that are extremely difficult to maintain on a regular basis.</p>
<p>There are programs that pay more than that but if you invest you have to look at them very closely and make sure talk to the trader about his money management scheme.  Chances are he his taking much more risk than you think.</p>
<p>Paul</p>
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		<title>By: scott</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30539</link>
		<author>scott</author>
		<pubDate>Fri, 29 Dec 2006 12:31:36 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30539</guid>
		<description>Valca, I think you misread my post.  I clearly state that I do not believe 80% a month is Not possible on a consistent basis, however do people have months when they return 80%, absolutely.</description>
		<content:encoded><![CDATA[<p>Valca, I think you misread my post.  I clearly state that I do not believe 80% a month is Not possible on a consistent basis, however do people have months when they return 80%, absolutely.</p>
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		<title>By: Jude</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30538</link>
		<author>Jude</author>
		<pubDate>Fri, 29 Dec 2006 12:21:17 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30538</guid>
		<description>Woah, James over here always do curse all the people whom you don't like eh.</description>
		<content:encoded><![CDATA[<p>Woah, James over here always do curse all the people whom you don&#8217;t like eh.</p>
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		<title>By: James 5:1-6</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30445</link>
		<author>James 5:1-6</author>
		<pubDate>Fri, 29 Dec 2006 09:20:34 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30445</guid>
		<description>Bunch of nonsense , BULLSHITs. Your days are shorten
Scammer for you (James 5:1-6)

Go to now, ye rich men, weep and howl for your miseries that shall come upon you. Your riches are corrupted, and your garments are motheaten. Your gold and silver is cankered; and the rust of them shall be a witness against you, and shall eat your flesh as it were fire. Ye have heaped treasure together for the last days. Behold, the hire of the labourers who have reaped down your fields, which is of you kept back by fraud, crieth: and the cries of them which have reaped are entered into the ears of the Lord of sabaoth. 5:5 Ye have lived in pleasure on the earth, and been wanton; ye have nourished your hearts, as in a day of slaughter. .</description>
		<content:encoded><![CDATA[<p>Bunch of nonsense , BULLSHITs. Your days are shorten<br />
Scammer for you (James 5:1-6)</p>
<p>Go to now, ye rich men, weep and howl for your miseries that shall come upon you. Your riches are corrupted, and your garments are motheaten. Your gold and silver is cankered; and the rust of them shall be a witness against you, and shall eat your flesh as it were fire. Ye have heaped treasure together for the last days. Behold, the hire of the labourers who have reaped down your fields, which is of you kept back by fraud, crieth: and the cries of them which have reaped are entered into the ears of the Lord of sabaoth. 5:5 Ye have lived in pleasure on the earth, and been wanton; ye have nourished your hearts, as in a day of slaughter. .</p>
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		<title>By: ValcaInvest.com</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30128</link>
		<author>ValcaInvest.com</author>
		<pubDate>Fri, 29 Dec 2006 02:26:05 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-30128</guid>
		<description>"If" those types of returns can be produced "consistently" through forex and sports, then why would it be necessary for programs to rely on continued growth and fresh money to keep going ?

Simply because (a) It's not really possible or (b) admins are lying that this is what they do to produce returns.

Angel
http://www.valcainvest.com
</description>
		<content:encoded><![CDATA[<p>&#8220;If&#8221; those types of returns can be produced &#8220;consistently&#8221; through forex and sports, then why would it be necessary for programs to rely on continued growth and fresh money to keep going ?</p>
<p>Simply because (a) It&#8217;s not really possible or (b) admins are lying that this is what they do to produce returns.</p>
<p>Angel<br />
<a href="http://www.valcainvest.com" rel="nofollow">http://www.valcainvest.com</a></p>
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		<title>By: scott</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29912</link>
		<author>scott</author>
		<pubDate>Thu, 28 Dec 2006 21:53:07 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29912</guid>
		<description>Paul, you kind of contradict yourself when you say this was a ponzi, but you don't think Andy intended to scam anyone.  He posted on forums talking about forex trading, sports betting and debit card sales, not running a ponzi.  By lying about what he was doing, he was scamming people.
Why didn't he stop payments the second the so called profits ran out?  Instead, according to him, he starting paying people with new money that was deposited by others.  If you don't think sports betting/trading or forex can produce those returns, you need to do some reading and look around.  Can they be produced consistently, I highly doubt it, but they can be achieved through both forex and sports.</description>
		<content:encoded><![CDATA[<p>Paul, you kind of contradict yourself when you say this was a ponzi, but you don&#8217;t think Andy intended to scam anyone.  He posted on forums talking about forex trading, sports betting and debit card sales, not running a ponzi.  By lying about what he was doing, he was scamming people.<br />
Why didn&#8217;t he stop payments the second the so called profits ran out?  Instead, according to him, he starting paying people with new money that was deposited by others.  If you don&#8217;t think sports betting/trading or forex can produce those returns, you need to do some reading and look around.  Can they be produced consistently, I highly doubt it, but they can be achieved through both forex and sports.</p>
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		<title>By: Paul</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29910</link>
		<author>Paul</author>
		<pubDate>Thu, 28 Dec 2006 21:43:21 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29910</guid>
		<description>Hi Scott,

Of course it was a ponzi.  Nothing real pays 80% monthly to a person investing $10 bucks at a time. I sincerely hope you didn't think he was really generating 80% monthly.

Anyway,  I tend to think you are right concerning the outcome of TFT.  I don't think Andy is purposefully scamming anyone, but the out come will most likely be the same.

Paul</description>
		<content:encoded><![CDATA[<p>Hi Scott,</p>
<p>Of course it was a ponzi.  Nothing real pays 80% monthly to a person investing $10 bucks at a time. I sincerely hope you didn&#8217;t think he was really generating 80% monthly.</p>
<p>Anyway,  I tend to think you are right concerning the outcome of TFT.  I don&#8217;t think Andy is purposefully scamming anyone, but the out come will most likely be the same.</p>
<p>Paul</p>
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		<title>By: cashking</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29909</link>
		<author>cashking</author>
		<pubDate>Thu, 28 Dec 2006 21:42:45 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29909</guid>
		<description>PPP's do exist, but as Andy has learned it's not easy to get into one... but if he manages to pull it off, then his members will be happy...</description>
		<content:encoded><![CDATA[<p>PPP&#8217;s do exist, but as Andy has learned it&#8217;s not easy to get into one&#8230; but if he manages to pull it off, then his members will be happy&#8230;</p>
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		<title>By: tdinoz</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29908</link>
		<author>tdinoz</author>
		<pubDate>Thu, 28 Dec 2006 21:39:46 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29908</guid>
		<description>I'm giving  it a whirl if I qualify not sure what it is yet minimum etc

Andys always been upfront since I was a member in his programs</description>
		<content:encoded><![CDATA[<p>I&#8217;m giving  it a whirl if I qualify not sure what it is yet minimum etc</p>
<p>Andys always been upfront since I was a member in his programs</p>
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		<title>By: scott</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29907</link>
		<author>scott</author>
		<pubDate>Thu, 28 Dec 2006 21:37:32 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29907</guid>
		<description>This will end up just like every other program that ran away with a ton of money.  I've been in a ppp since August and haven't received a payment yet.  In my opinion, this is just a cover story, so on 1/31 he can either say, sorry folks it didn't work out, or payments will be delayed.  If he had money, refunds would have been by far the best solution.  Despite all his bs about forex trading, sports betting....., this was just another poorly run ponzi.  Hell, goldenrocks ran for over a year with these kind of returns and tft only lasted 4-5 months.  Mark my words, none of us will see our money come 1/31.</description>
		<content:encoded><![CDATA[<p>This will end up just like every other program that ran away with a ton of money.  I&#8217;ve been in a ppp since August and haven&#8217;t received a payment yet.  In my opinion, this is just a cover story, so on 1/31 he can either say, sorry folks it didn&#8217;t work out, or payments will be delayed.  If he had money, refunds would have been by far the best solution.  Despite all his bs about forex trading, sports betting&#8230;.., this was just another poorly run ponzi.  Hell, goldenrocks ran for over a year with these kind of returns and tft only lasted 4-5 months.  Mark my words, none of us will see our money come 1/31.</p>
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		<title>By: Paul</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29889</link>
		<author>Paul</author>
		<pubDate>Thu, 28 Dec 2006 20:47:55 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29889</guid>
		<description>I think Andy believes he will be able to make good on his obligations.

The sad fact of the matter is that "Private Placements"  Are extremely complicated instruments that rarely go as planned.

In my 7 years of online investing and being intimately involved with a few Private Placement programs, the odds are very slim of an internet based Private placement working.

Andy seems pretty diligent and I hope this all works out for him but PP programs come with their own set of problems.

Paul</description>
		<content:encoded><![CDATA[<p>I think Andy believes he will be able to make good on his obligations.</p>
<p>The sad fact of the matter is that &#8220;Private Placements&#8221;  Are extremely complicated instruments that rarely go as planned.</p>
<p>In my 7 years of online investing and being intimately involved with a few Private Placement programs, the odds are very slim of an internet based Private placement working.</p>
<p>Andy seems pretty diligent and I hope this all works out for him but PP programs come with their own set of problems.</p>
<p>Paul</p>
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		<title>By: eroscillator</title>
		<link>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29658</link>
		<author>eroscillator</author>
		<pubDate>Thu, 28 Dec 2006 19:04:17 +0000</pubDate>
		<guid>http://hyipblog.nobshyip.net/2006/12/28/the-finer-things-closing/#comment-29658</guid>
		<description>what is your opinion on jan 31 deadline,,,??
will andy come thru with payouts??</description>
		<content:encoded><![CDATA[<p>what is your opinion on jan 31 deadline,,,??<br />
will andy come thru with payouts??</p>
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