In it's simplest description, without legal high tech jargon, on July 7th, 1995, two waitresses, a dishwasher, and myself, were all sitting there one day, comparing our stories of, "You know, if I had had enough money this one time...", and then we each went on to describe our horror stories of some passed opportunity in life. We then spent 10 minutes talking about how much money we could have saved if we had bought our cigarettes in carton form, instead of individual packs. Then it occurred to me, 'Hey...we're servers, we all have change jugs at home!' The three of us pooled our change jugs, and the dishwasher tossed in a $20. The 4 of us formed our own little Cigarette co-op, and with $143.28 in hand, we bought our brands of cigarettes in carton's.We then bought cigarettes from our co-op at retail prices, which meant there was a small profit slowly building up. As time went by, more and more people got into it. Having over 100 'investors' at one point. One day, the original 4 got back together, we decided that this had gotten out of control, there were legal concerns, we had people under the age of 18, who being owners of the Co-op could force us to sell them cigarettes. I am no puritan, but I think you can see where I would not want any part of this nasty situation. For the first time, the investors voted, and in a nasty, bitter battle, it was agreed that the cigarette co-op had to go. Almost over night, we dropped from almost 100 investors, to 19. And this much smaller group met, and created the Pocket Change Limited which exists today.

Pocket Change Limited still believes that the there is no simple way to make a million dollars, but there has to be a million simple ways to make a buck, and if there is no way to make a dollar, then there has to be 10 simple ways to make a dime. We spread out with our much smaller fund, and started buying up old arcade machines (video, pinball, etc.), and we put them in a NA Teen/adult coffee house, splitting with them. For every $1 we took out of the machine, we gave 50 cents to the center (which allowed them to operate), applied 25 cents to depreciating the value of the machines (so that when one died, we would not have to take a loss on inventory), and gave 25 cents to the investors (dividends). Everybody was happy.

We then started buying up old beat up cars, making minor repairs, and selling them, either outright for a small profit, or we would finance the loan ourselves, then we got the profit from the car and the interest. We sold 38 cars. Then we started making small loans with reasonable interest rates, to people who we knew could not get a loan via the banks. Many of these people would become investors in the future.

In 1996, a person came to me with a very large coin collection, they wanted to know if either I, or Pocket Change Limited, would like to buy it? It was too big for our wallets, so I agreed to break it up, and sell it on a 3% commission. Well, not only did that work, the seller, and three of the buyers combined, and formed a second fund called 'THE WORLD COIN COLLECTORS CONSORTIUM', it was doing pretty well, operating beside us, always driving me up the wall when it would jump in on a coin deal I had going, so in 1999, Pocket Change Limited bought the World Coin Collectors Consortium, eliminating a thorn in our side, and adding 4 more investors.

With 12,000 coins in their inventory, and 7 people who had subscribed to a 'Coin Of The Month' type project, I got bored one day, and started sorting through the bags, and boxes of coins, put them in Mylar’s, and slide pages. I had 83 pages which were filled with 20 identical coins, and had another 1300 coins where there were 1 to 19 identical coins, and when that was done, we still had 3,000 'bulk' items, where we had 21 or more, up into the hundreds of identical coins, we sold these junk of the junk coins, and bought more coins, filled more pages, sold more duplicates, and on, and on...this is how the 20 World Coin collections Of Pocket Change Limited began, and in January of 2000, we sold off the largest 2 coin collections, a 5000 different item collection, and a collection of 8,322 different items, no US, no Canada, No Mexico, which is the largest World coin collection ever assembled North of Chicago. Indeed, to date (04-21-03), we have sold 700,220 coins/bank notes, including 39,000 square feet of 2x2 Mylar’s. And here is the kicker, POCKET CHANGE LIMITED, IN 60,022 TRANSACTIONS, HAS NEVER PULLED A LOSS ON ANYTHING IT HAS USED IT'S INVESTORS FUND ON!. Now, that is a claim that no brokerage can make, no auction house, no bank, nobody who has done that much business can make that claim.

Pocket change Limited is not a pyramid, it is not multi-level marketing, it is not a chain letter, it is a real company, with real assets, making a real profit, for real people. There have been 152 investors in our history, 151 of them have realized a profit (we got one guy who only made 19 cents, but there is only so much that can be done with $11.60 in 16 days, and we have a new investor who has not yet had the chance to realize a profit), and we have a growing list of investors who have made $1,000 or more, after taxes, though we still do not have a $10,000 profit for anybody yet. (I'm getting close, and should be the first person to do so)

Okay, you have read the hype, and you know there has to be a catch...right? So, lets get down to the things that are scaring you off from being an investor....
XXXXX1) There are no fee's.
XXXXX2) There are no kits to sell.
XXXXX3) There are no registration, or referral programs.
XXXXX4) You don’t have to actually do anything.
XXXXX5) You do not have to buy anything from us.
XXXXX6) You do not have to sign up three of your friends.

Locally, through people I know, or via the internet, over the phone, etc...I do business. That is my job as the PCL Fund Manager, I do get a lot of help from other investors in my own area, and the only pay that I receive from all this work, is the profits generated by my Investment Account, if you don’t make money, then I don't make money. Any fund or business operating in any manner other then the way we operate is shady to say the least. There is only one exception to the rule, if I make you a profit of $1,000 or more, you owe me a tank of gas for my 1978 mercury Grand Marquis, this is about $35, and you don't have to mail me money for that, it is removed from your account, which leaves you with a $965 profit, so if it's a scam, it only costs me $1,000 to fill my gas tank.

Now, for the catch...you actually have to invest, talk is cheap, and tire kickers suck. I have three concerns in my life, they are my family, my investors, and my customers, if you are not in that category, you are keeping me away from those people I am concerned about.

What does it cost to become an investor? Must be a lot, right? NOPE! We are share held, and shares are $10 each, there is a 1 share minimum, and a 1000 share maximum (we have made exceptions to the minimum for children, and a couple of Developmentally challenged individual's in the area, makes them feel good, and it's more operating capital for us), so, you actually have 1000 choices on how much you want to start with. You can always start out small, and add to it later, or you can just start out with a maxed $10,000 account. There is a footnote here, the SEC will not allow us to have individual accounts that exceed $10,000 without filling out an unbelievable amount of paperwork, and paying a lot of money on fee's and permits, so if you have a $10,000 account, we can not 'roll over' your profits like the smaller account, if after a dividend is posted, your account passes the $10,000 mark, we have to cut you a check for that amount. So, the big accounts get money back every month.

So, now it is all up to you. You have to either say,"naw...I'm too paranoid, and like to kick myself in the pooper, and never really amount to anything in life but being a person who always says, 'I should have done that.'"...or you have to contact me, and set up an account. Currently, in opening an account, you can use Papal, but we tack 1.9% on to that, because that is what it costs us to accept money via Paypal, so a share would cost $10.19, and believe me, you will have that 19 cents a share back quick in the form of dividends. You can use credit cards (MasterCard and Visa only) for up to $2,000, and then of course there is cash, cashiers checks, money orders, and checks. We also accept Canadian Funds (cash), and Mexican Funds (cash) at the exchange rate on the day of receipt. Or, maybe you have a bunch of coins lying around? We will sell them for you, and place the money in your account, less the 3% fee, because you are not an investor till after we sell the coins.

You can e-mail me at waynesnightmare@yahoo.com. The balls in your court.....