instead of staying the course and letting it bounce back. They also talk about having your money last longer than you do and leaving your heirs with a check, not a bill. The main thing is living in your means and not over doing it.
Finally, they say “You can do it” and the bogleheads will help. This final quote really means a lot to me when I read it and really for anyone who has made mistakes in the past, whether it is in finance or in life in general. Carl Bard puts it nicely, “Though no one can go back and make a brand new start, anyone can start from now and make a brand new ending.” I really feel this book is giving me a new outlook on my financial future. They talk about what we have learned in the book and how the bogleheads want to help. They are a large group of people from all walks of life that have a common interest in investing and retiring sooner than later and enjoying every day of it. They give the website where the Vanguard Diehards Forum is at. http://Www.morningstar.com. There is so much information at this website and hundreds of people that love to help beginning and experienced investors reach their goals. In closing, they reiterate STAY THE COURSE. If you get lost, we are here to help!
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To contact the author of this summary/review, please email Jason Chigoy at Chigoyboy33@yahoo.com.
David C. Wyld (dwyld@selu.edu) is the Robert Maurin Professor of Management at Southeastern Louisiana University in Hammond, Louisiana. He is a management consultant, researcher/writer, and executive educator. His blog, Wyld About Business, can be viewed at http://wyld-business.blogspot.com/. He also has a book summary/review blog that is a collection of his students’ works at http://wyld-about-books.blogspot.com/.
Written by David Wyld
Professor of Management, Southeastern Louisiana University
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Don’t get caught with Scam Investments!
I receive a phone call from Simon Halloway saying I heard you lost some money at the races “how much would that be?” I say about 10k and he says how would you like to make that back and sum?
I say in a non-committed fashion “ oh yeh”. He then says how much can you spare to throw in to my guaranteed trading scheme. I say about $400. He calculates it up and says that will take about 8 months of trading to secure a recoup of 10K.
The identity simon sends through some Paperwork from the “Accord Professional Group P/L” and their Westpac bank account details 033-254 412313 to deposit the $400. He directs me to http://www.cybersportsbet.net site to view the progress of my investment. He says sports wagering is the best way to go for small amounts of money for a quick return. My attitude was well if I burn $400 it shouldn’t worry me too much if he speaks soothe then it would be a good investment.
It took about a week for the $400 to double and then i received another phone call from simon re my bank balance and would i like to deposit more to kick it along. This continued weekly till we get up to a balance of about 20k in about 5-6weeks……..with weekly happy phone calls of how i was liking the returns and progressively getting more insistent that i deposit more cash so that we could generate 300k in 6 months. I yielded to pressure of about 12k cash injection into “Accord Proffessional Group” bank account, which was supposedly deposited into my “ cybersportsbet.net” account….well the screen shot showed it had.
Simon continues to pour on more pressure to inject more funds…I’m happy to sit back and watch the existing capital grow…but that is not good enough for simon so he suspends trading of my account till I cough up more cash to APG{www.apgsports.com.au} to be deposited to my account.
Starting get peeved at this continual pressure for more cash I decide I better withdraw 20K from my account, then i could put some back in if required.
I contact cybersportsbet.net via one of their email addresses: accounts@cybersportsbet.net
And get a delayed response from Miguel Ramirez stating that I would have to Get APG to release the funds…he could do nothing his hands were tied. { Note that this supposedly multi million dollar bookmaker has no phone contact only email…the PR line they use is we can pay bigger dividends running a more efficient operation not having phone staff, all part of the scam}
I then get another phone call from simon saying he is disappointed that i wanted to withdraw cash so I better go back to customer relations and they would handle that.
Thats when the fun started we get another identity “Tom Silver” the senior trader at APG. And he starts promising the world and that if only we injected another 5k he would transfer all funds to my account…smooth talker…..so we throw in another 5k……then we need another 5k……then we need another 5k. I finally say no freeze my account. Tom then threatens your account is exposed to loss if you don’t transfer more funds then ….this was also put in writing via emails to APG and Cybersportsbet, …up to about 75k now showing up in the account what does APG do, put on a 75K losing bet in an attempt to wipe out their liability.
My Analysis:
Peter Knight & Ray Gilding get together and dream up a plan to operate scam to defraud the public.
Peter Knight uses his old database of customers from the non functioning cybertab.net website and passes these on to known associates operating tipping schemes for punters.
Free range rouges are employed by Ray gilding to collect deposits for a promise of pie in the sky. Free range rouges such as simon halloway and tom silver collect deposits in receiving a 50% commission on their sales
Peter Knight operates the Cybersportsbet.net site posting bogus wins on known sports functions using industry odds. Losses are ignored and not posted as these may scare the customer off.
Hard Won Advice:
Never place any money ever in cybersportsbet.net or allow any third party to do it on your behalf as you will never ever recover your money….it will vaporize in a sudden loss as soon as you ask for a withdrawal. The money in all likely hood never even made it to cybersportsbet.net
Remember when you wager with a bookmaker or casino if you win they lose…….as bookmakers work their turf 7 days a week its more likely they will win. And remember if anyone recommends you to a book maker that person will get paid 25 – 50% of all your losses. See any of the affiliate programs by bookmakers.
Tipping services which handle your bets may get a 10% commission from you if you win , but they pick up 20 – 50% of all you loses. Big conflict of interest.
If you are going to use a tipping service place your own bets with your own bookmaker and don’t be too successfull with any one bookmaker as they will bar you….they don’t like losing…they like mug punters.
Relevant Details of Parties Involved in colluding fraud :
Owner of domain Cybersportsbet.net Peter Knight
Peter_knight@live.com
Owner of domain apgsports.com.au Accord Professional Group PTY LTD
Accord Professional Group PTY LTD ACNumber ACN140977466
Aust. Business Number: ABN85140977466
apgsports@hotmail.com
APG P/L Director : Raymond John Gilding
Birth Place: Melbourne 04/05/1976
Address: 34 Burgess Road Kilmore Victoria Australia 3764
Business Address APG: 155 Ashmore Road Bundall Qld Australia 4217
Cybersportsbet.net bank accout details: SKM Enterprises P/L
Barclays Bank Saychelles
Tom Silver Current Phs: 0406515461 0405100140
Simon Halloway Contact Ph: 1800 799565
…………………………………………………………………………………………………………………………………..
Raymond John Gilding
Simon Halloway
Tom Silver
http://www.Cybersportsbet.net
SKM Enterprises P/L
http://www.apgsports.com.au
Peter Knight
Peter Walker
Accord Professional Group PTY LTD
http://www.wilsonrichardson.com
Name of the scammers “The Accord Professional Group”
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