Thanks for most of your comments.     I thought PM was more legit.  Definitly try to spread the word about PM.
Anyone know of any good investments for btc besides hodl. which is  looking pretty good at the moment.
there is one casino i heard of that lets you invest in the "house" and receive descent interest.
they have been doing it for a while so have a good track record.
crypto-games i think. something like that.
any others ?
What about Skrill. is it a more legit payment system ?

So is anyone in any other ~ legit investments, not hyip's please, or MLM ponzi's , that they want to share ? 
I know some of the dice games allow investing.  seems a bit more risk though..  Yolo for one.
investing in mining is still in the crapper as far as i know.
crypto-games seems like it may still be the best deal in town.

I dont know where this topic should go. moderator please move to right place and let me know.

i joined perfect money e-banking system.
and found a section called credit exchange.
go to the lobby and see alot "ads" for short term high interest loans.
like $5.00 at 200 % for 24 hours..  stuff like that, and they give stats of these outfits wanting the loans.
stats looked like they are paying these high interest loans off.  i figure it is some kind of gimic.
so i do on for $5.00 and wait for the 24 hours.  the lender was France Online Bank. had a very good credit score and was "verified" and the credit status was positive yesterday.  now today, the credit status is negative. and the loan is in default.
why would a reputable?  online bank like perfect money be screwing around with a con like that ?  i thought it was a hyip deal and had a chance of paying off. even had 17 positive reviews from other people who lent money.. 

has anyone worked with this credit exchange on perfect money before ?   what is the deal with it ?

Bitcoin would bring up a scam alert also.  this is  a real thing happening in the iceland, huge building. etc.  not sure of the pay out is really fair, etc.   of course too it depends on your def of scam

Hi, i am very new to all this so take it easy on a newbie, please.

I know there are alot of group funding type pools like this one that may allow us citizens. but i am
looking at bitclub because i have a friend already in.  but they say they dont allow citizens from the usa.  but i have talked to usa citizens who are in bitclub.
i dont know if they joined before and are now "grandfathered" in, so
from what i can see, i could join, and get started using a vpn, etc. 

what i want to know is whether they are really enforcing this rule about the usa ?

they say there is a full refund if you do join and they decide to give you the boot.

Is there an underlying reason, like they dont want traffic going directly from the usa to the website ?

thank you for any information.