I sold all I owned when the last time, the company announced a 'change in plan'. I got some change back and have done well. TinMan immediately removed me as moderator. Anyone dare to bad mouth his baby, can not moderate.
If you ever 'invest' in a penny, treat it as a crap shoot, and take your money off the table.
If I recognized Phan on the street, I will try to take his picture, give you the address, and you come do him right. Its only money, not worth spending time in prison for.