Thread: Bayshore Capital Investments and the BH Group

The internet fraud du jour is the Revaluation of the Iraqi Dinar. The Dinar will be revalued, it's current value is about 1,200 Dinar to the Dollar and the new Dinar will be much closer but that isn't going to mean that one of today's 25,000 Dinar notes will be worth 25,000 new Dinar. But that isn't what the Dinar hucksters are telling (selling) people. There are scammers selling current Dinar to "investors" at a vicious markup on the promise that each of the Dinar some day soon, maybe tomorrow will be worth one to three dollars each. Sorry folks, that ain't going to happen.

One particularly egregious specimen of this scam is being perpetrated by Rudolph Coenen of Bayshore Capital Investments and Bradford "Brad" Huebner, serial MLMer and owner of TheBHGroup.org. Brad uses that site to sell Xango, a few other similar deals but he also sells Iraqi Dinar. I'm sure he offers volume discounts but if all you're buying is 100,000 Dinar you'll get 588 Dinar to the Dollar (remember, fair price is closer to 1,200 dinar/dollar, this gets important soon).

So Rudolph "Rudy" Coenen, run his name through Sunbiz.org and see that his janitorial services company isn't the only one administratively closed in that list but you see times have changed for him, he's getting set to run his very own hedge fund. or at least so he says. You see, unlike all the other hucksters in the Dinar revaluation (RV) area, he's a man of vision, he sees the further horizon. He sees Iraq as THE place to invest , the next economic superpower and that's exactly what his hedge fund will do, with all you're RV profits.

My first thought was that the hedge fund is a scam. It's true that hedge funds aren't all that regulated but that doesn't mean it's open season. There are limits on how offers can be made and who those offers can be made to. Justin "Broker" Jones was a living breathing example of how to pretend that wasn't true (or how not to rather) and I thought they were doing the same thing here. But then i let it rattle around in my head a bit and changed my mind.

My second thought is that the hedge fund is a scam. It's like the movie The Producers only they're never going to even put on the show. Observe, this is their "Inception Investor Seat Allocation for Iraqi Hedge Funds I and II " that's the application form you need to fill out if you want to invest money in the fund. Please note the $750 non refundable application fee. Then I point out the following statement:

Most people will NOT be able to meet the Qualifications required by the Security and Exchange Commission until AFTER the Revaluation of the Iraqi Dinar. To accommodate those individuals, the inception date of the Hedge Fund will not start until 21 days after the Revaluation.

You see, after the Dinar RVs, all the people who bought Dinars from Brad will be RICH RICH RICH and qualify under investment guidelines as "Sophisticated" or "Qualified" investors and then, and only then will they form their hedge fund. Catching on yet? Please note that the minimum to invest in this fund is a cool million, no one getting their investment advice on YouTube can swing that, which is why Rudy is kind enough to give you a full 21 days, not only after the Dinar RVs but after it RVs to a minimum of parity with the US dollar.

But wait a minute, the only people on the planet who think the Iraqi Dinar will be revalued to anywhere even remotely close to parity with the dollar are shameless scam artists and the benighted victims they've bewitched. If Rudy will never have his hedge fund how is he making money?

First off, there's the $750 non refundable application fee, but it doesn't end there. False scarcity is a near universal sales tactic, "act now before we run out" and Rudy's hedge fund is no different. It seems the nasty old SEC will only let him have 500 investors in his fund and he only has two funds so that's only 1,000 spots available. Brad chimes in to warn it's really only 490 spots per fund because they're saving some for "institutional investors." But with the overwhelming response this opportunity is getting they can not and will not promise that just because you sent your check for $750 you will be assured of a spot in the fund. I'll let them explain it, from the link above:

Due to the overwhelming response for this initial offering, the only fair way to allocate Seat Positions for the Iraqi Hedge Fund, LP I and II is to base it on the total amount of Iraqi Dinars purchased DIRECTLY from The BH Group up until this subscription is closed.

So the people who will get a spot in the hedge fund that will never exist will be the people who A: Hand over $750 and B: of all the people who handed over their $750, buy more Dinar at near twice it's value from Bradford Huebner. But again, the Dinar will never be revalued to parity with the dollar so Rudolph Coenen's Iraqi hedge fund will never happen. But Brad and Rudy will keep all the non refundable application fees and all the Dinar sales are final. That is a sick, if almost a slick con game.

GlimDropper I take serious objection to your comments with regards to the Dinar (IQD) and its revaluation (RV). Now if people come to this site just to find mud slinging without substantiation then I guess your comments are just fine however if someone is actually seeking some well thought out research then your article is complete crap. You offer no real substantiation to your comments just an opinion based on what, zip! In fact I would counter (being one who trades currencies personally) that you in fact have no real knowledge or experience in currencies what so ever. Hence my first question is what exactly qualifies you to write this in the first place? You make it sound like only hucksters are selling IQD and that sir is a complete fallacy. Would you also then call Bank of America, Scotiabank etc etc hucksters since they also sell this currency? This is a currency play or speculation plain and simple which in of itself most certainly does not qualify such as a scam anymore than buying USD is a scam.

Now you say this is not going to happen or if it does it won't amount to anything. So give us some economic facts that support your position that is other than an edict from the mountain. Reality is the economic picture of Iraq is changing drastically as would any country in a similar position especially one holding the third highest oil reserves, some of the sweetest crude on the planet and equally large or larger gas reserves along with a crude oil price that is only heading north for as long as we can imagine. Then add precious metals deposits and major agriculture production to that mix. All of these fundamentals are what contributes to what a country's currency is worth. On the simple basis of debt versus resources, yes as much as the concept may offend you, this currency should be worth a hell of a lot more than the USD let alone being at a pegged price of 1170 IQD to $1 USD. Also if one reviews the values of all currencies in any oil rich country you will find none that trade at this level hence on fundamental monetary science this has to change and change drastically it will. The only question that remains is how much and when!
Now I as a speculator have bought this currency (not from anyone mentioned in this forum by the way) and have zero doubts that when these chickens come home to roost I will be a most content investor. Now do I need my IQD to go to $1 to $3 to be most content? No not in the least! Just the same I see that there is indeed a very real possibility that the IQD will in fact do just that. One thing I am just as dam certain of is that my ROI will be much higher than if I was to bet on shorting the USD. The USD is a certainty to go down just as the IQD is to go up and both of those assumptions come from economic reality and policy that is abundantly obvious. The buffoons and con artists in Washington and especially the FED are determined to do exactly that and if any reader chooses to doubt such best start reading all the interesting con jobs exposed in the 29,000 pages of bailout documents released by the Fed under court order two weeks ago.

The other fact left out of your factless article is that the IQD traded at $3.20 prior to the war under Hussein so then I ask why does it seem so strange that this new regime sitting on the same soil could not and would not aspire to get their currency back up to that same level in their new world. I am not saying it will happen in a day but that is where this inevitable trend is heading. Now also lets consider that I suspect all of the G20 are sitting on substantial amounts of IQD hence they want a high RV so that they can then in turn buy more oil with it. We do know for a fact that the Treasury sits on amounts that are going to pale in comparison to what any of us small fish have hence you are deluding yourself if you don't think there isn't an interest of powerful parties for a high RV to occur. Let’s also not forget that the days of the Petro Dollar are very limited indeed this era is coming to an end and I suspect much sooner than most readers think so. Every new war and enemy created like Libya etc. etc. are in the process of jumping ship which means selling their oil for something other than USD Fed Notes. Tough to say right now what is going to take over but there is huge changes coming down the pike, the writing is on the wall if you care to look for it.

Finally for those who think this concept of a substantial RV are impossible then I suggest that you look back twenty years to when exactly this same scenario played out with the Kuwaiti Dinar. Hence the impossible has already occurred once before. Does history repeat itself?

Finally in somewhat of a defense of Rudolph Coenen I both agree and disagree with GlimDropper. Lets first qualify my comments, I do know of Rudy and have heard him speak but I do not do business with him nor would I buy his hedge fund. Then again I would not buy anyone else's either and I most certainly would not pay anyone $750 for the privilege to invest with them. In that part I agree with the administrator’s comments. However to categorically state this is a scam is a harsh judgment as we cannot know that for a fact at this time. If the fund gets registered then I would not agree but there is the catch "if" it is registered. Until such time as it is I sure would not send him or anyone for that matter any amount of funds until it is proven so. Now stupid SEC rules state these types of investments are only for sophisticated investors. Well using their definitions if anyone who lucked into a once in the lifetime investment into the IQD then hence has the funds to qualify as a sophisticated investor as the rules go however reality is those people are not sophisticated at all. This definition does not separate lucky from sophisticated yet there is a world of difference between the two. Hence the rules are stupid in the first place but since when does SEC actually accomplish anything of real substance. Sure they report the big thieves (maybe) after the horse is already stolen yet they have an abysmal track record of ending any scam of any real significance E.g. S & L, Enron and Sub Prime Mortgages etc. etc.

However unlike the comments presented by the administrator I will say that Rudy at least knows something about trading currencies and what goes on to make up monetary science and clearly knows what is going on in Iraq. Even with that said I still would not touch his hedge fund personally but no one can prove or disprove at this moment that such is a scam. I will also add that big players are indeed eyeing up Iraq to make large investments as it joins the free market and modern world as it has been stuck in a time warp really for the past thirty years going back prior to Hussein hence they have a lot of catching up to do. Additionally the fact is representatives of large mutual fund companies and hedge funds have been in Iraq looking to invest in the New Iraq. Those are facts and ones substantiated in main stream media hence without question there are those that are and will invest in this country. If you doubt look it up on YouTube.

One final point with regards to the price that people are paying for Dinar by the various traders and banks. First of we are talking about an Exotic Currency here so do not think for a second that the spreads are anything like the top 30 traded currencies are. It ain't going to happen now or ever, if you think otherwise you are dreaming in Technicolor as you cannot use your experience of buying common currencies to exotics. With that being said would I pay 588? No absolutely not since if you do some investigation you can find IQD running in the 820 range. Thus far I have found none better and I accept that since I am not about to fly to Iraq to find a better deal. You will find that Scotiabank charges considerably more than Bradford does hence we could infer that since you say Bradford is running a scam then Scotiabank is running an even bigger one since they charge $2181 for a million or 459 per $1. However there is a difference between gouging your customers and a scam! I reiterate I do not know nor have I done business with Bradford I just choose to question the verdict that has been given on such skimpy evidence.

Hence GlimDropper my challenge to you is this then, you must report on your site Scotiabank as a fraud and scam too since they charge even more than Bradford does! Then we can all laugh our asses off as their lawyers cut through your anonymity like a knife through butter and sue your ass off for slander. While you are at it you might want to check on what Bank of America is charging for IQD as by your measure they may well be scammers as well since I have not researched their rates I will not comment. As the internet evolves out of the era of the wild wild west we find the FTC and courts being less than kind to people who post anything they feel like on their sites hence you might be well advised to watch much more closely what you say as it can and will come to bite you in the ass.

For your article to carry any credence or value to a reader you need to provide a lot more experience, facts, figures and a whole lot less opinion for your writing to be considered any more relevant than the bathroom wall at the gas station. Meanwhile I guess I am just a fool who saw what I believed to be coming as the perfect storm for investing, based on my own research, economic facts, monetary science and experience that lead me to that conclusion. Obviously our opinions differ greatly but at least I arrived at mine based on something other than hot air and that sir is all you have provided in your post!

WOW !!!

What an incredibly complicated and involved way to say absolutely nothing of substance.

A self described "speculator" Mr "suenos" demands facts, but gives none.

I'll tell ya what, "suenos" instead of waffling on about the "suenos theory of currency speculation" how about we concentrate on the target/s of Glims' post, and what THEY are doing ???

"But that isn't what the Dinar hucksters are telling (selling) people. There are scammers selling current Dinar to "investors" at a vicious markup on the promise that each of the Dinar some day soon, maybe tomorrow will be worth one to three dollars each. Sorry folks, that ain't going to happen"

Originally Posted by littleroundman

WOW !!!

What an incredibly complicated and involved way to say absolutely nothing of substance.

A self described "speculator" Mr "suenos" demands facts, but gives none.

I'll tell ya what, "suenos" instead of waffling on about the "suenos theory of currency speculation" how about we concentrate on the target/s of Glims' post, and what THEY are doing ???

Thumbs up on that one LRM!

Greetings suenos, welcome to RealScam.

Let me thank you for inviting me to clarify a few of the statements I made in the first post of this thread. Iraq is a nation with political, ethnic and religious problems that I'm sure we all hope will find some civil resolution. Iraq is also sitting on vast oil and natural gas reserves and has some of the most productive agricultural land in it's region. It also has an above average literacy rate and it's average of educational attainment is higher than most of it's neighbors. In short, if they ever get their crap together there are many good reasons to believe the Iraqi Dinar will be worth more than it's current 1,170 Dinar to the Dollar.

You are correct in saying that I am not a currency speculator, I haven't spent years studying the markets and possess no learned insight into them. Instead I've spent years studying fraudulent sales pitches and the sort of verbal sleight of hand people use to make your money disappear. It does occur to me that I could have been more careful in the words I first chose to describe what undoubtedly is a huge amount of fraudulent solicitations to invest in the Iraqi Dinar and differentiate them from legitimate investment advice.

If someone is saying that a small amount of risk capital invested long term in the Iraqi Dinar might yield a profit I'd take no position on that statement. It may or may not prove to be a wise investment but it's in no way an unrealistic one. I'm sorry that I didn't make that clear in the initial post. But honestly, realistic investment advice is the furthest thing from what I started this thread about.

The Central Bank of Iraq has an english language website (Link) and it presently lists 1,170 Dinar as the exchange rate to the US Dollar. I'm sure you'd point out that that rate is for large wholesale purchases and if you wanted to buy only a few thousand dollars worth you'd pay fees and premiums above that. But the "BH Group" website offers to sell you 100,000 Dinar for $170 or a bit better than 588 Dinar to the dollar (this is a link to their sales page but I'm reasonably certain you need to register to the site to view it). suenos, as an experienced currency investor would you pay one US dollar for only 588 Dinar at today's rates? I rather imagine you wouldn't, if nothing else your investment would need to near double in value before you'd even break even.

So why in the would would anyone pay near twice the exchange value for a currency as speculative as the Iraqi Dinar? Well they either know something i don't or more likely, they only think they do. Search YouTube for Iraqi Dinar and you'll find a near endless stream of "informative" videos telling you that near any day now the Dinar will be revalued (RV'ed) to anywhere from parity with the USD to far above that level. I'll use this link as an example because it has "Dinar Daddy" interviewing both Rudolph Coenen and Bradford Huebner. Rudy starts talking a bit after the 14 minute mark and Brad chimes in at around 21 minutes. Rudy opines that the Dinar will "RV" from parity to 1 Dinar equaling 2 1/2 USD in "45 to 60 days" from that recording on March 31st. Again, as an experienced currency trader do you in anyway find a statement like that supportable or even remotely possible? If so please do explain your reasoning because I sure don't see it.

Can you see now why I started this thread? It wasn't to say that anyone selling the Dinar or even viewing it as an investment are scamming someone or being scammed. It's to point out that totally unrealistic expectations of the near future value of the Dinar are being sold by some people who just so happen to also be selling Dinar at near twice it's current value.

And thanks again for stopping by.

A somewhat late edit to add:

Finally in somewhat of a defense of Rudolph Coenen I both agree and disagree with GlimDropper. Lets first qualify my comments, I do know of Rudy and have heard him speak but I do not do business with him nor would I buy his hedge fund. Then again I would not buy anyone else's either and I most certainly would not pay anyone $750 for the privilege to invest with them.

I would be fascinated if you were to provide any verifiable information about Mr.Coenen and particularly about his background. I have heard some rather impressive claims he's made about himself but in the limited time I've taken to investigate him i haven't found anything other than the "Dinar RV echo chamber" repeating his claims. Any information you could provide would be appreciated.

And just a quick shout out to the State of Utah's Division of Securities for their Top Ten Investment Alerts for 2011, weighing in at number nine is:

9. Iraqi Dinars ‐ Since the beginning of the Iraq War in 2003, speculators have sought to profit by purchasing Iraqi Dinars. Unfortunately, the likelihood of investors seeing any return on their dinars is slim to none. This scam comes in three parts: the hyped returns that play on an investorʹs greed, the deceptive practices of Iraqi Dinar dealers, and the fundamental misunderstanding of international finance. Currently valued around 1,200 dinars to 1 U.S. Dollar, any appreciation in the value of the Iraqi Dinar would theoretically generate profit, but many websites selling Iraqi Dinars boast these returns could reach up to 1000 percent. Investors need to understand these figures for what they are: speculation and hype. Websites selling dinars also exaggerate or misrepresent history as proof that such profits are possible, but history teaches a vastly different lesson. First, the rapid appreciation of any currencyʹs value is extremely rare (the opposite is much more likely), meaning investors should consider this a long‐term gamble not a short‐term guarantee. Second, investors may confuse the appreciation of a currencyʹs value with demonitization, which is the process of governments replacing their old currency with a new currency. While Iraq is not likely to do so again (Iraq demonitized from October 2003 to January 2004), exchanging old currency for new currency still keeps the value in U.S. Dollars roughly the same. So new currencies do not generally indicate a new value.

While hard currency scams are not new, the methods have evolved. Currency dealers previously avoided regulation by relying on the currencyʹs numismatic value (treating the currency as a collectorʹs item), now these dealers often register with the U.S. Treasury as a Money Service Business (MSB). An MSB registration is nothing more than a check‐cashier or a money transmitter; it does not reflect any experience in trading currency nor entail any qualifications on the part of the dealer. The reason dealers seek this meaningless registration is to lend legitimacy to their scam and avoid proper regulation, which would entail oversight and require full disclosure be made to investors. Additionally, since no exchange exists for the Iraqi Dinar, dealers can charge whatever they want to sell and buy back the dinars. Investors should fully understand that a small increase in value will not likely be enough to breakeven after these fees are considered. Worst of all, some websites have even been selling counterfeit dinars. Ultimately, however, the power of hard currency scams come down to a subject most are unfamiliar with: international finance. The market determines currency values based on numerous factors. In the case of Iraq, many of these factors are political and unpredictable, making dinars a risky bet at best. Of all the risks though, inflation is the greatest. As an economy improves, workers find jobs and earn more money, increasing demand and, therefore, prices. As prices rise, the value of the currency falls. Another inflationary pressure may be the Iraqi government itself. As the Iraqi government seeks to improve conditions, it may be tempted to monetize their debt (essentially, print more money) and drive inflation further. Combating inflation is difficult for established governments and economies, let alone one emerging from a dictatorship, a war, and an ongoing insurgency, so even the best scenario of an improved Iraqi economy may not lead to profits for investors in Iraqi Dinars.

Emphasis added as a way to direct your attention to the BH Group's MSB registration.

That's just a bit harsh tmc, intelligent people get scammed too. All our minds play tricks on us and we're all susceptible to influence. You have to understand that Rudy is a very persuasive speaker when he finds people who want to believe what he has to say and he's been a dinar follower for more than a year and a half. He's had a lot of time to figure out just what sort of "intel" people are willing to buy and how best to try and sell it to them. He's a skilled manipulator but he makes the classic mistakes of a BS artist in the internet age, he lies about things which he can be proven wrong about.

He's transitioned from putting his thoughts into writing to relying more on spoken word formats, that's a good move for him. I'm not talking about his horrible spelling or atrocious grammar, he's a talker by nature and the flow of what he says is more appealing than any individual point he makes. Because quite frankly even though he's a pretty sharp guy he does say a lot of pretty silly things. I forget which call I was listening to but he was arguing that the Iraqi Dinar just had to "RV" close to the value of the Kuwaiti Dinar because if it didn't the oil from Iraq would be so much cheaper that no one would buy oil from Kuwait. If he committed that thought to writing I'm sure even he would have seen the absurdity of what he was saying but in the flow of his narrative it sounded just like he knew what he was talking about.

I am frustrated by the number of people who will lose money to Rudy's lies and Brad's complicity, hell that's why I started this thread. And while the victims here aren't without fault insulting them is seldom the best way to get them to reconsider their opinions. Brad and Rudy are starting to get noticed and not only in the ways they intended and some of their faithful members will be starting to look outside of dinar rumor sites for their "intel." When they get tired of waiting for the RV or as Brad puts it, their Blessing, they'll want some answers. The facts alone will be a hard enough slap in the face that we don't really need to add to it.

Here's the latest from BH


I informed Roger from DD that this fund is a scam but he likes their money more than the truth. In fact, he agreed with me the Rudy is a fraud but still pumped them on his radio show. All of these dinar sites prey on gullible "investors" by using their desperation and religious beliefs against them. It's very sad.


APRIL 22nd 2011
Hello BH Group Members..............Here's the latest updates from The BH Group........Check it out!
DINAR DADDY "TID-BITS" CALL: April 20th (FANTASTIC)
This is a MUST LISTEN call sponsored by The BH Group featuring an economist by the name of Breitling and Rudy Coenen given you a perspective to the Dinar that you have not heard before. Please listen to this entire call. Scroll to the very bottom of the webpage to the “Blog Talk Radio” box and press the play button to listen, it may take a minute to load the entire call.
http://theiraqidinar.com

FIFTH THIRD BANK STOPS SELLING DINAR:
Effective April 21st Fifth Third Bank ABRUPTLY announced they've stopped selling Dinars!
USA TODAY Newspaper, Thursday, April 21st:
Check out a front page article about how the Electric capacity in Iraq has doubled since pre-war times and demand has risen 73% in the last several years. It also mentioned how the US has contributed $4.6 billion since 2003 to help Iraq's efforts to increase electricity. In general, it was a very positive article about Iraq's future.
Iraq has doubled its electricity capacity - USATODAY.com
THE NEW YOUTUBE DINAR 101:
Check out the HOME page of our website The BH Group - Dinar Education and Procurement Specialists (lower left corner). Leave your "thumb prints" on friends and family by directing them to our Dinar 101 and we'll do the rest!
NEW FREE TEXT MESSAGING SERVICE: You must be a Registered Member of The BH Group
Our newest feature! Sign up for FREE Text Service to announce the RV and other news from The BH Group! (carrier rates apply) To activate your account: Text to: 90210 and then type the message: the bh group You'll receive an auto text back confirming you've been registered by The BH Group for future communications via text. This service will give you instant notice of the pending RV right to your cell! Register with ALL your cell phones.

IRA ACCOUNTS:
The BH Group continues to offer the most competitive rates for Dinar on the Internet with outstanding service and education to match. If you have a traditional IRA or Roth IRA please consider the HUGE tax savings when you self-direct Dinar purchases from The BH Group to your IRA account. Ask us how this works!

LIVE ONLINE SUPPORT:
Under "Contact Us" you'll see the ability to have a live chat with one of our staff! We're here M-F 9am-6pm EST. Please respect our time and only ask pertinent questions that you can't find answers for in our FAQ Section.

EMAIL ONLINE SUPPORT:
We're glad to help you with a periodic email question regarding the Dinar BUT this is not a "Chat Service" where you send in a list of questions! PLEASE respect our time

TRACKING INFORMATION:
You can check your Dinar shipment online by visiting: USPS - Track & Confirm - Put our delivery information to work for you

WEBSITE ACCESS DIFFICULTIES:
Please use the links available under the "Register/Login" tab for "I forgot my Username / Password" or "I have not received my Activation Email". These are automated links and these services are available 24 /7. If you're still having trouble accessing our website, please send us an email to brad@thebhgroup.org marked "Website Access Difficulties" as the subject line. In the body of the email please include detailed information regarding your issue.

CONFERENCE CALLS:
Our conference calls are pre-recorded every Monday evenings featuring Rudy Coenen, Currency Specialist and posted by 10:00pm EST. You can locate our call by accessing our website at The BH Group - Dinar Education and Procurement Specialists. Once you're registered, Log In to "Iraqi Dinar," "Weekly Conference Call." Additionally, you can call directly to 712-432-1085 and enter pincode 157219#. This weekly call will be available for you throughout the entire week.

IRAQI HEDGE FUNDS I and II
The BH Group is the exclusive marketing agent for two new Hedge Funds focusing primarily on Iraq, created by Bayshore Capital Investment, Rudy Coenen, CEO. There are only a total of 490 Preferred Investor Seats authorized for EACH fund. For further information go to The BH Group - Dinar Education and Procurement Specialists HOME age or OPPORTUNITIES section. Application Fee checks ($750) we've received and cashed thus far from BH Group members have a Seat. You'll receive a welcome packet with your receipt and Seat Number before the end of April. Hedge Fund I will be complete before the end of April and remaining Inception Allocation Forms received will automatically be seated in Hedge Fund II. When funds are complete, investors who did not receive a seat will receive their $750 back.

RUDY COENEN: HEDGE FUND 101 TOUR
Here is the upcoming road schedule as Rudy will personally be meeting with potential Hedge Fund Investors. Hedge Fund I will be sold out by April 30th and Hedge Fund II will most likely be fully reserved by May 30th.
You have to CONFIRM Registration with the Guest Host:
April 30th, Northern, VA (D.C. Area) Guest Host: John O'Neil Cell: 804.687.7550 Email: jpo513@aol.com
May 07th, Toledo, OH Guest Host: The BH Group Email: hedgefund@thebhgroup.org Phone: 419.740.5220
May 11th, Houston, TX Guest Host: Larry & Hollis Stevens: Phone: 281-222-9776 Email:luckyhollis@sbcglobal.net
May 14th, Jacksonville, FL Guest Host: The BH Group: 419.740.5220 Email: hedgefund@thebhgroup.org


Sincerely,
The BH Group

FIFTH THIRD BANK STOPS SELLING DINAR:
Effective April 21st Fifth Third Bank ABRUPTLY announced they've stopped selling Dinars!

This is significant. I detest the unsourced rumor mongering of the dinar sites (but obviously not enough to not engage in a little of it right here) but this is being reported widely enough that I'm willing to give it some credit. 5th 3rd was undercutting the Dinar dealers by a significant amount, giving over 900 dinar to the dollar on purchases of only a few hundred dollars, compare that to the BH Group which only gave you their best rate (833 dinar to the dollar) when you'd pony up at least $2,400. But even at the rate they were selling dinar at, 5th 3rd was clearly making a profit on each transaction so the question remains, why did they stop?

A few of the dinar floggers are claiming that it's because the RV is imminent and 5th 3rd knows that the dinar they hold today will be worth MANY times more dollars than they are selling them for and perhaps as soon as Monday. Well, the same floggers have taken pert near everything as a sign the RV is imminent so just let me offer a not in any way bold prediction. The RV will not happen Monday, a week from Monday or a year from a week from Monday. Quite simply the dinar will never "RV" in the way the promoters and the BH Group pretend it will.

In so far as I can't find this on an official website it's nothing but a rumor but I do see it in enough different places in a small enough time frame I suspect there might be some validity to it. A purported 5th 3rd memo:

Foreign Currency - Iraqi Dinar


Effective Immediately, Fifth Third Bank will no longer offer the Iraqi Dinar currency for sale. Fifth Third offers foreign cash banknotes for the convenience of our customers who travel abroad. The bank does not intend for the service to be used as an investment vehicle. The increased demand for this currency due to rumors and speculation has made it difficult for us to manage within the parameters of the program’s intent, which is to provide currency for the travel needs of our customers. Due to the sourcing and customer service challenges this has caused, we are recommending customers in need of the Dinar make use of local currency exchange at their destination. All other currencies we offer will continue to be bought and sold as usual. We will continue to evaluate the Dinar as needed.

Now if we assume the "RV" isn't going to happen (and we do) this makes total sense. The important distinction here, the one that could very well bite Brad Huebner in his butt is the legal difference between operating a Money Service Business and selling an investment. IF the above is an accurate representation of 5th 3rd's policy it seems to me what they are saying is that when all the people buying the dinar as an "any day now, strike it rich" kind of deal realize they've been lied to, 5th 3rd doesn't want to risk being added as a deep pocket co-defendant in the subsequent lawsuits.

Understand that Brad and the BH Group are in no way licensed to sell securities or market investments. All they have is a MSB registration which at best allows Christ to drive them out of any temple they might be operating in on passover, in short they're money changers. They're allowed to earn a reasonable fee for the service of exchanging currency but when they tell you the reason to buy dinar is because it will greatly appreciate in value they are breaking the law. It seems that 5th 3rd is getting some good legal advice and realizes that what ever small fees they earn for converting dollars into dinar aren't worth the potential litigation expenses from deceived and disappointed dinar investors. Be clear, their liability is very arguably non existent but the place they'd have to argue that point is expensive even when they win.

From what I can see, the info about 5/3 stopping sales of the Dinar was from an email to "Dinar Daddys", c & p here:

Email from Member:

Today(01/30/2010) We went to a Fith Third bank here in central Ohio. We have purchased dinar there many times, but today we were told by the manager that Fifth Third is no longer selling dinar as of yesterday. I asked for an explination and was told simply they could not give a reason. I don’t know if this is a good or bad thing….I just though I would share. By the way, I did not think to ask if they were buying, only because I was not there to sell. Thanks….

the location here: 2010 January | Dinar Daddy's Tidbits
Important to note that this is third hand evidence, and as such mostly useless.

Right up front I will tell you, I know little about nor do I understand much of this but I have been reading your postings here. This morning I came across some strange information concerning Iraqi Dinars. Whether it has even an inkling of truth in it, people are buying into this stuff. Here is a quote from the page and you can see for yourself where this leads. I have no facts and would not trust these statements but it bears looking into.

In a sign the Federal Reserve Board crime syndicate is on its last legs, the US Embassy in Tokyo, Japan is selling Iraqi Dinars and US dollar cash bills via yakuza gangs in order to pay its bills, according to yakuza sources. The bills are being sold via corrupt officials in the Tokyo public prosecutors’ office who are then selling them to yakuza gangsters in exchange for Japanese yen, the sources say. One Iraqi Dinar was worth $3.8 before the US invaded but fell to 2 cents afterwards at which point the Feds bought them all up, according to MI6 sources. They are now selling them worldwide, along with blacklisted US paper bills in order to keep the Federal Reserve Board and its Washington D.C. subsidiary going a bit longer. Buyers beware because you will sooner or later find out you traded good money for high quality tissue paper.

FRB selling Dinars & dollars to pay US embassy bills
For the other part of this article, I believe a new subject could be started here in RS. The New World Order (or something).

Originally Posted by honestme11

Right up front I will tell you, I know little about nor do I understand much of this but I have been reading your postings here. This morning I came across some strange information concerning Iraqi Dinars. Whether it has even an inkling of truth in it, people are buying into this stuff. Here is a quote from the page and you can see for yourself where this leads. I have no facts and would not trust these statements but it bears looking into.



FRB selling Dinars & dollars to pay US embassy bills
For the other part of this article, I believe a new subject could be started here in RS. The New World Order (or something).

Actually, the entire thrust of that article is about conspiracy theories, evil government acts, etc.etc. I get a little glassy-eyed when someone starts putting out crap like, "Instead, evidence that Japan was deliberately attacked with a earthquake and tsunami triggering seabed nuclear weapon is mounting."

I was listening to yesterday's BH Group conference call, there were rumblings in the dinarosphere and it seems like word of this thread is getting out there (thanks TMC). Brad Huebner issued something of a challenge to the people being critical of Rudy Coenen. I just sent him the following E-Mail:

Greetings Mr. Huebner,

On this weeks BH Group call you delivered a challenge to the individuals who were calling Rudolph Coenen's integrity into question and I'm taking you up on it. Before I explain let me make one thing perfectly clear, unlike most of Rudy's critics I am not involved in the dinar scene. I do not buy them, sell them or market any dinar related services. It may seem like a strange hoby, but I'm a connoisseur of con artists and am sure Rudy is just that.

I don't recall just now what I was looking into when I first encountered Rudy but within moments of hearing him speak I knew he was a player. As I kept the interview playing in one browser window I was digging into his story in another. Needless to say his story doesn't hold together and let me show you why.

First of all his most important claim, that he was a VP at JP Morgan Chase in charge of a 500 million dollar portfolio is provably false and for more than one reason. First of all if he was working as a principle in a brokerage he would need to be licensed to do so, this is a point I'll return to but for the moment let me give you links to a couple websites. The first is FINRA BrokerCheck and the second is the SEC's Investment Adviser Search page. If anyone by the name Rudolph Coenen was licensed to sell securities in any of the 50 states and within the last decade, it would show up in those databases. But it doesn't.

Also, several time when relating the JPM story Rudy makes mention that he left that position in 2005 for health reasons, he needed a liver transplant. This part of the story is absolutely true, he was living in Temecula California and later moved to Florida because the availability of donor organs was much greater than in California. I've never met Rudy or Maribel but I believe you have, can you tell me if the photo accompanying this 2005 newspaper story is indeed them? I'm quite positive it is.

I find it interesting that the story is not about a wealthy man with the sort of health insurance a VP at a major investment firm is sure to have, it's a rather touching story about a community coming together to help out an unemployed father of four. Before and after his transplant Rudy was a sub prime mortgage broker and if the housing market didn't tank he'd still be selling no doc loans.

Is that Rudy's only lie? Hardly. He postures himself as some sort of successful investment adviser, on one of your calls Mr. Emmenecker asked Rudy a transparently planned question about his financial situation. Rudy replied that he didn't need the dinar to RV that he and his family were already "quite blessed" in that regard. As to him being any sort of investment adviser you already searched for his name in the federal databases, just to touch all bases look to see if Rudy has any sort of license to sell securities or even to charge for investment advice in the State of Florida. He isn't, is he?

OK, so he isn't a broker or investment adviser is there any reason to suspect he isn't as wealthy as he claims? Of course there is. Go to the Duval County Clerk of courts website, Perhaps data mining isn't you strong suit, I have a lot of practice with it so let me just give you a few of the better links. Here is his IRS tax lien, he and his wife still owe better than 22 grand for the 2007 tax year. He has a sorta on again off again battle with foreclosure and I believe Florida is one of those states where a judge needs to sign an order before the bank can repossess a vehicle and the 6th of this month a judge did just that to Rudy. Hey, the good thing is we finally have proof of a relationship between Rudy and JP Morgan Chase, they were the bank holding the loan Rudy defaulted on.

Let me recap, Rudy never worked for JPM, he's never been licensed to sell investments of any kind and prior to finding someone to help sell his imaginary hedge fund he was close to dirt broke. Mr.Huebner let me tell you something about con artists, they make you feel good about yourself. They have that personal touch that honest sales persons would kill for, the whole Dale Carnegie deal down flat. They push the right buttons to make you feel smart and for you to feel so special that you never stop to ask important questions at the right time. Today, your professional reputation is tied tightly to one Rudolph Coenen and you don't know him nearly as well as you should.

I help run a web forum, RealScam.com. I started a discussion about you and Rudy a while ago, in case you've never seen it you can find it here. Rudy isn't the only one I've done some digging on but honestly, I can't get a solid read on you. I'm tempted to think you might be something like a victim here. Rudy leaves a trail of slime that easy for someone like me to spot, you don't seem to. So in responding to the challenge you issued on your recent call for proof of claims against Rudy, I feel I've done that. So I'm issuing a challenge of my own. Respond to this letter publicly. I will post it in it's entirety in the discussion thread linked above and hope that you will either tell me how what I've said is incorrect or after verifying this information for yourself, what you and the BH Group will do about it.

And thank you sir for your time in reading this.

I rather doubt Mr.Huebner will trouble himself with responding on this forum but in the event that the authorities realize that Rudy isn't the only one selling investments without the proper licenses I want to be sure the prosecution can prove that Brad was in fact warned about his buisness partner.

Brilliant work Glim! There is nothing as satisfying as digging deep and exposing the truth! This will be great to watch!

Soapboxmom

There's been some potentially big news about the Iraqi dinar:

Iraq’s Central Bank to delete zeros from Iraqi currency.

Saturday, June 25, 2011 09:23 GMT

Iraq’s Central Bank announced on Thursday that it is planning to delete the zeros from the Iraqi currency.

This step is one of the bank’s strategic missions; the Central Bank said adding that the new currency will include the Kurdish language in addition to the Arabic language.

<Snip>

“The project of deleting zeroes is complete. It will be submitted to the central bank’s administration in the next session. Then, it will be passed to the ministerial council before presenting it to the Parliament for vote. The mechanisms of changing the currency will be gradual. It will be preceded by awareness campaigns for citizens”, the adviser of Iraqi Central Bank governor said.

“The new currency will be printed after deleting the zeros and will include the Kurdish language in addition to the Arabic language. It will bear as well photos of Iraq’s civilizations and patrimony in addition to symbols of Iraqi intellectuals and figures”, Saleh noted.

This is pretty bad news for the dinar pimps in so far as it looks very much like, pending approval of the Iraqi Parliament, the dinar is going to be redenominated in the same way several other currencies have in the last decade and that is emphatically not what the pimps were selling.

Imagine the US had gone through a period of hyper inflation. The McDonald's dollar menu is now the $1,000 menu and the Big Mac meal costs six grand. But it's ok because minimum wage is $7,000 an hour. One, ten, and fifty thousand dollar notes are what we carry for daily use and on the way out of the super market you might hand your kid a $50 bill for the gum ball machine. That's not all that far from the current state of the Iraqi economy with nearly 1,200 dinar adding up to a single US dollar.

Well, after we stabilized the economy and brought inflation under control it would be a practical step to re-denominate our currency. Print up a completely new set of notes and have banks exchange the old ones for the new ones at a rate of 1,000 to 1. One new dollar would have the same purchasing power as 1,000 old dollars, small fries at McDonalds are back to 1 buck but minimum wage drops to $7/hr but the number of small fries one hour of minimum wage work can pay for remains unchanged. That is how a re-denomination works.

But you see, this isn't the delusional "blessing" the dinar pimps have been selling. Under a re-denomination the value of each unit of currency increases in direct proportion to the decrease in the notes face value. In my little example above one "new" dollar is worth 1,000 times more than the "old" dollar but you have 1,000 times fewer of them. What the dinar pimps are selling is that the value of each dinar will increase by an order of magnitude but without new currency being issued or any reduction in the face value of the dinar. In short they are claiming the total value of Iraq's currency will, at the stroke of a pen be 1, 2 or 3,000 times higher than it is today so you should run out and buy as many of them as possible today, from them, at a vicious mark up.

The dinar pimps are already hard at work explaining how the news story linked above doesn't mean what it says. Several cockamamie irrational answers are already being floated, my personal favorite in that only the dinar physically inside Iraq will have the zeros removed and all the 10 and 25 thousand dinar notes the dinar fans are holding will appreciate the same way the in country dinar will only without the corresponding reduction in face value. Others are denying that new currency will be issued but rather smaller denomination dinar will begin circulating. This despite the article clearly stating that new currency which will include the Kurdish language is all part of the plan. I'll be interested to see which ones Rudy will latch onto for tomorrow's BH Group call.

And as to Mr. Huebner, he did in fact get back to me. He didn't ignore me or dismiss me out of turn but he asked for a little time to address my concerns. Given the tone of his reply I'm inclined to give him a small amount of time to do that but I am expecting to hear back from him further.

Tony Breitling is another of the dinar intel guys is he the same Stephen Anthony Breitling arrested for fraud?

Greetings Skeptic1 and Lordsprayer, welcome to RealScam.

I have seen more than one person claim that Rudy may be exaggerating the length of his military service and that his discharge might have been other than honorable. But I've seen no proof of these claims so consider them unsourced rumor. I looked into official channels for acquiring verification but it seems that in order to get that information about a living former service member I'd need his expressed permission which I'm rather certain he'd never grant (this is an absolute perfect opportunity to prove me wrong Rudy).

But in my experience when a flim flam man waves something around like it were a flag, it tends to be a red one. Scan this thread again and see that the first post on the second page is the first one questioning Mr. Coenen's service yet in his scripted and well rehearsed response to me (see the first link in post #25) he uses his military service as a reason no one like myself should ever question someone like him. I find that interesting, defensive over reactions frequently indicate a point of sensitivity. What is he so sensitive about?

Originally Posted by Lordsprayer

Tony Breitling is another of the dinar intel guys is he the same Stephen Anthony Breitling arrested for fraud?

VERY interesting speculation Lordsprayer and one I'm rather sure I've not seen written before. But the possibility that "Tony" Breitling may in fact be Steven Anthony Breitling has been sorta a pet theory of mine for a short while now (and I do believe it's Steven, not Stephen).

My problem is at the present time I can't prove it. Steven A's fraud was telemarketing based and didn't make extensive use of the internet, I'd love to have found an old YouTube link with his sales pitch but I don't think one exists. "Tony" claims to be an investor from Las Vegas and there is a well known and highly respected entrepreneur, Thomas Breitling who hails from there. In addition to Mr.Breitling's other very impressive accomplishments he's also a published author, here's a link to the sales site for his book Double or Nothing. I mention this because there are a few video interviews with Mr.Breitling making it very simple to compare voices and prove that Thomas is most emphatically not "Tony" Breitling. Thomas has a son listed as working for one of his companies but since he's only 42 yeas old I wouldn't expect his son to be much older than about 20 and I'm sure you'll agree from listening to "Tony's" calls, he sounds rather older than that.

I'm not certain how interested I am in "Tony," or many of the other "gurus" for that matter. The entire dinar scene would make a worthy study in aberrant psychology (which may explain my interest in it), it's almost like watching mythology taking root in a parking lot. We have people like "Tony" preaching that the lower denomination dinar notes are somehow more valuable that the higher denomination ones and then openly boasting about the profits he makes from selling the lower denom notes on the "secondary market" (eBay). Anywhere other than dinar world people would put two and two together and realize that the person who was selling you on the idea that the smaller denomination notes were of greater value than the higher denomination notes (let's let that sink in for a moment), was by his own admission selling those same low denom notes for a profit on eBay and start to wonder about his motives in preaching the inflated value of the notes he was selling. But not the dinar world, "Tony" Breitling is just an investor like all the rest of you and he donates so much of his time to offer so much valuable research free of charge that anyone who ever questions his motives automatically exposes themselves as a dinar heretic or much worse, an unbeliever who's opinions must be dismissed out of hand in interest of the greater faith.

I honestly do feel bad for the people who are getting scammed here but sometimes I wonder why. I don't mean to denigrate religion when i say this but the dinar scene is a faith based movement. There are no objective facts that in any way indicate that what the gurus are selling will ever come to pass, it certainly has never happened before. But so elaborate is the mythology and so fervent are some people's faith that they know, they just know the "RV" HAS to happen. Brad and Rudy have likely taken in more than three quarters of a million in the last few months selling this faith and they're about the only ones I've bothered with. They at least told you their real names and that will prove to be a mistake. The dinar crowd is all too happy to get their investment advice from people with names like Okie and Scooter because quite frankly facts here are not only not important, facts have a clear anti-RV bias so must be ignored to preserve the faith.

I did see that DinarBank was slapped with an injunction, another dinar dealer down the drain. How long till the BH Group gets their own version of the same letter? And little by little more "intel" is coming to light about the RV gurus. "Checkmate" Dan Atkinson is so dirty even Phil "the one man internet crime wave" Piccolo calls him a scammer. "TonyTNT" aka Tony Renfrow not only ran the ponzi scheme 14DailyPro but he also ran the only payment processor you could use to move money in and out of the program. When the ponzi bubble burst Mr.Renfrow didn't need to worry about chargebacks. And while I can't confirm this it does come to me from a very trusted source but "Okie Oil Man" is a collaboration of more than one author one of whom is Tommy Styles of GreenZap fame. Tommy is also known in the dinar world and a few other scams as "Neno."

Hey Glim!

Look, the Dinar pumpers are gonna put out a hit on me. First I had that talk with a friend at 5/3 and they quit selling Dinars.

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Re: Dinarpaloosa

Postby Gregg » Sat Apr 23, 2011 2:08 pm
I think this may actually be my fault.
I know Jim Hubbard socially, (he's pretty high up in 5/3, we went to school at the same places but not really together, but Cincinnati isn't that big a town) and about 6 weeks ago I happened to be in the same place as him and brought it up. He told me he wasn't aware of the dinar mania, that the bank knew it was technically illegal to have dinars but they we selling them under a loophole that allowed them to sell them to people traveling to Iraq. When I told him about the RV fools, he kind of joked he would have to get the traders on the 10th floor (the 10th floor in 5/3 tower on Fountain Square is where the banks trading and forex departments are at, also corporate tax is on the 10th floor) to load up on them, but as most dinaridiots would think this was some sort of confirmation, he was clearly joking. Anyhow, by a casual friendship and a chance conversation, I may have gotten 5/3 out of the the Dinar business.

Now this, which IIRC you asked me to look into and I told you I made a few calls about and then this happens

IRS raids downtown Toledo business

BLADE STAFF

The IRS raided a downtown Toledo business Wednesday morning.

Craig Casserly, spokesman for the IRS criminal investigation unit, could not comment on what businesses was raided in the 19 N. St. Clair St. building because legal documents were sealed in federal court. He expected the documents would be sealed for “quite awhile.”

He said agents were there on “official business” and that he believed the IRS was the only agency at the building.

A woman who works at Fricker’s Restaurant, which is in the same building where the raid took place, said the IRS came in about 10:30 a.m. but did not know which business was raided.

The building is home to several businesses, including Fricker’s; Milewski, Smith, and Tschantz; Commercial Energy Products; The B. H. G roup, and Fracture Design.

The door to the offices was locked Wednesday evening and a special code is needed to access the elevator. There is a buzzer next to the elevator to call the different agencies, but no one answered.

The Lucas County Auditor’s Web site lists three different owners, including Right Field LLC, Lucas County Commissioners, and John M. Wilson and Arlene Singer.

http://m2.toledoblad...business-2.html

To expand a bit, the energy company is a registered Ohio corporation, apparently, the BH Group wasn't (makes it harder to trace an unlicensed investment advisory when you don't register it) so the people buying overpriced Dinar made their certified checks out to the energy company, and according to someone I know, wasn't reporting the income on the dinar sales. Which will all come out in the end, but the IRS was just a convenient way to get the books, the BH Group is gonna have problems with the hedge fund, the requiring you buy Dinar from them to get into the hedge fund, the non refundable reservation fee of the hedge fund etc.. that's gonna get them in trouble. By overtly marketing Dinar as an investment they violated the law in regards to their touted MSB license from the Treasury Dept. so that'll be revoked. Don't for a minute think the IRS is the only agency they need to come to Jesus with, the Department of Justice is a bit more than curious, too.

And I didn't know Rudy was running 14DailyPro, that's an interesting little tidbit and I can't see him explaining that to the people he's going to be explaining himself too before long.

Rudy was not the one running 14DailyPro. Look up Tony Renfrow.

Greetings BlueOrchid, welcome to RealScam. And Gregg, you (as always) are da' Man. :)

I tried to warn Brad, asked him to speak with an attorney verify what I was telling him about. Well I'm sure he's speaking with his lawyer now but it would been better before the FBI raided his office.

Let me just send a heart felt thank you to state and federal law enforcement, the people who took calls and letters from so many concerned and proactive citizens and then took action with the information they were presented with. I have no idea what the investigation will turn up (well, that's not true ;) and please do recall that we are all innocent until convicted, but in my humble opinion a potential million dollar plus fraud has, for the moment at least, been shut down and I just want to thank all of those who did their part in making that happen.

I thought that might be the case, but I have confirmed from somebody who has met him that he's not Stephen Anthony Breitling. In fact his last name isn't really Breitling, according to Roger Dorman of Dinar Daddy. I'm still working on this and I'll let you guys know what I find out.

Many thanks for the information! Very enlightening.

Well, the Dinaridiots are all aflutter over this. What I find amazing is how many of them on Dinar Vets chime in with "What crooks, glad Adam isn't like that" (Adam Montana, the alias of the guy who runs DV and has a rather expensive "VIP" plan where he'll help you cash in when the big day comes), and sells E Books about "real intel" and as mentioned, why you should cah in in Belize and in Euros. The IRS had one of those open house weekends a few weeks ago and they buzz was it was for people to come pay their taxes on their newfound "blessings".
There is an ongoing debate on how Obama is holding up the RV, how Congress isn't just arguing about the budget, but how much tax they're gonna make on the blessing...DV is better than most, on some sites I swear if a celebrity were to buy a new car they'd find a reason why that was the last piece of the puzzle for the RV to happen...

Kids, there ain't gonna be an RV, Iraq is a dirt poor third world single product commodity economy. The Dinar's current rate of 1170/$ is artificially supported, if they remove three zeros, that's 1.17/$ and if allowed to float it would drop down to about .85/$. These poor people are getting scammed six ways from Tuesday by everyone in the culture save the naysayers who tend to get banned pretty quick. (DV banned me within an hour of joining, someone posted the statement "Iraq is or should be the wealthiest nation on earth" and I pointed out the GDP of Iraq was half that of Mexico, not a popular fact in those parts I guess)

So, typical of most scams, they'll believe the most incredible stuff from anonymous sources like Okie Oil Man (reported to be a grocery bagger), Frank something a typical Holy Roller Prosperity Gospel spouting crook with ties to MLM scams, HYIPs and what not, but a PhD Economist who used to work for the Federal Reserve gets banned for trying to explain very basic monetary science. They tend to believe a varied mix of Tin Foil Hat bullshit and the general knowledge of how government, finance and banking work would shame a retarded monkey on crack.

But, that's entertainment!

Rudy Coenen has wasted no time in distancing himself from his "exclusive marketing arm," The BH Group. It's fairly hilarious in more than one way. I have archived Rudy's appearance yesterday night on Frank26's (Frank Villa) confrence/prayer call. I'll post the relevant audio tomorrow. And now that Brad's ass deep in alligators it might be time to look into Frank's end of the swamp.

But don't worry Rudy, I wont forget about you. ;)