Amber Gold affair is one of the biggest financial scandals to hit Poland since the fall of communism in 1989.

It was pretty much all the money Bozena Oracz had after a working life as an accountant: the equivalent of $15,000. She placed it in a fund investing in gold, with the hope of paying for her daughter's studies and getting treatment for a bad knee.

Those dreams were dashed when she discovered she had fallen victim to an elaborate fraud scheme that has left thousands of Poles, many of them elderly, facing financial ruin.

The so-called Amber Gold affair is one of the biggest financial scandals to hit Poland since the fall of communism in 1989. The extent of wrongdoing is still murky, but it seems to have some elements of a pyramid scheme, meaning the financial institutionused funds from new clients to pay off older clients rather than investing them.

Consumed with anger and desperation, 58-year-old Oracz traveled last week from a small town near Warsaw to a law firm in the capital to consider whether, after losing 50,000 zlotys, she should risk another 3,000 zlotys ($920; €730) on the fee to join a class-action lawsuit seeking to recover some of the losses.

"This was a lot of money to me — it was my savings," Oracz said, fighting back tears. Now retired and living on a small pension, she sees no way of building another nest egg. "My pension barely covers my needs," she said.

The affair has raised questions about the effectiveness of Poland's justice system and government because authorities failed to act against the scheme despite red flags from regulators and the criminal record of its young owner. Scrutiny has also focused on the prime minister due to business dealings his son had with those running the scheme. The scandal has even touched democracy icon Lech Walesa, who fears it could tarnish his good name.

Prosecutors say investors lost about 163 million zlotys ($50 million; €40 million), a number that has been mounting as more and more victims come forward. Any law suits could take care years to go through the courts, with no guarantee of their outcome.

"People are desperate," said Pawel Borowski, a lawyer preparing the class-action suit that Oracz is considering joining. "In most cases the clients lost life savings or sold family properties to make investments."

The financial institution, Amber Gold, promised guaranteed returns of 10 to 14 percent a year for what it claimed were investments in gold. Many of its clients were older Poles who grew up under communism and lacked the savvy to question how a financial firm could guarantee such a high return on a commodity whose value fluctuates on the international market. The promised returns compared well to the 3 to 5 percent interest offered by banks on savings accounts — earnings essentially wiped out by the country's 4 percent inflation rate.

"These were people with a low level of financial education," said Piotr Bujak, the chief economist for Poland at Nordea Markets. "They think it's still like in the old times, where everything was guaranteed by the state. They underestimated the risk."

Amber Gold launched in 2009, opening branches in city centers alongside respected banks, with white leather sofas and other sleek touches that conveyed sophistication and respectability. It bombarded Poles with convincing advertisements. Some early investors got out with their expected gains, adding to the fund's credibility.

The company, based in Gdansk, capitalized on gold's allure while playing on people's anxieties in unpredictable financial times. "We are dealing with a loss of confidence in the entire financial system and an urgent need for safe investments," one ad said. "The environment for gold is perfect."

Amber Gold drew in 50,000 investors over its three years of operation, though the company's founder, Marcin Plichta, said there were only about 7,000 at the time of liquidation.

Soon after Amber Gold began operations, the Polish Financial Supervision Authority put it on a "black list" of institutions that operate like banks without authorization. There are 17 other such black-listed institutions in operation, but the regulators lack the authority to shut them down. This has sparked a debate in the government and news media about whether courts should be more aggressive in intervening.

According to prosecutors, the company did use some of its money to invest in at least one legitimate business: It was the main investor in budget airline OLT Express. It was this investment that brought Amber Gold down — when the airline filed for bankruptcy, Amber Gold entered liquidation and its scheme of investments unraveled. Its bank accounts were blocked and it was unable to return the money of thousands of its customers.

Plichta was charged this month with six counts of criminal misconduct.

Prime Minister Donald Tusk's center-right government went into damage-control mode when it emerged that the leader's son, Michal Tusk, had done PR work for the airline. Tusk said he had warned his son against doing business with Plichta but that ultimately he son makes his own decisions.

Leszek Miller, the head of the opposition Democratic Left Alliance, asked how Tusk could warn his son against involvement in the airline but not warn the thousands of Poles who invested in the fund. Miller has called for a parliamentary inquiry into the scandal.

Public discontent is also centering on the justice system because Plichta, 28, has past convictions for fraud, and many Poles are asking why authorities — aware of his criminal record — didn't stop him sooner. Born Marcin Stefanski, he took his wife's last name to distance himself from his past crimes.

The country's top prosecutor, Andrzej Seremet, admitted Monday that prosecutors were negligent in failing to heed multiple warnings since 2009 about Amber Gold from the financial supervisory body. He announced personnel changes in the office he blamed for mistakes.

The affair also has an unlikely connection to the Solidarity leader and former president, Lech Walesa, because an Oscar-winning director, Andrzej Wajda, was relying on money from Amber Gold to produce a film about Walesa's struggle in the 1980s.

Walesa came out publicly to make clear he is not involved in any way, saying he doesn't want his name "dirtied."

Many of the unlucky investors are not only furious but wracked by shame and guilt.

Engineer Andrzej Malinowski, 61, put three months of salary — 25,000 zlotys ($7,660; €6,100) — into Amber Gold. He made the investment without consulting with his wife, sensing that there was some risk and that she would not have agreed.

Now he is so shaken and embarrassed that he doesn't want to talk about it, leaving his wife, Danuta Malinowska, to help unravel the mess.

"He saw that gold was going higher and higher so he believed that maybe it would be a good deal," Malinowska said. "Now he has so much guilt that I am trying to help — contacting the lawyer, filling in the forms, writing to the prosecutors. But the justice system is very ineffective. I don't believe we will be getting any of this money back."

London's secret music venue and their livestream act

With an invite-only door policy and super secret location, Boiler Room is London's most exclusive music venue. But elitism isn't the premise for its clandestine nature—in fact, anyone with an Internet connection can easily join in the fun. Using a simple webcam, the crew behind Boiler Room livestreams each set for the world to see free of charge, and each month more than a million viewers tune in to see performances by artists like James Blake, The xx, Roots Manuva, Neon Indian, Juan Maclean and more.

We recently chilled out to the smooth sounds of Brooklyn's How To Dress Well before rocking out to revered musician Matthew Dear, who brought down the house with an intense 40-minute DJ set. Keep an eye out for our interview with Dear, but for now you can get a little more insight into the underground music scene's most talked about livestream show by checking out our interview with assistant musical programmer and Boiler Room host Nic Tasker.

How important is it for Boiler Room to remain secret, at least in its location?

That is quite an important aspect of it, purely because it means when you do shows you don't get a lot of groupies, pretty much everyone in the room is either a friend of ours or one of the artist's. It helps to create a more relaxed atmosphere for the artist and I think they feel less pressure. They're also just able to chill out and be themselves more rather than having people being like, "Hi can I get your autograph?" If the artists are relaxed usually you get the best music.

It seems like there is more interaction among the crowd than at a typical venue, is that intentional?

It's definitely a social place. All the people that come down, most of them we know and they're all our friends. So they come down, hang, have a drink and just chill out, basically. From our very set-up, we do it with a webcam, we're not a highly professional organization but I think that's kind of the charm of it. The main thing is people come down with the right attitude.

How much of the show is prescribed?

I guess that depends on the artist. We never say anything. Literally, whatever they want to do—we're kind of the platform for them to do whatever they want, so if Matthew Dear wants to come and play an hour of noise with no beats, he can do that. That's fine with us, and I think that's why artists like coming to play for us. We're not like a club where you have to make people dance, we don't give a shit if people dance. It's nice if they do and it makes it more fun, but some nights you just get people appreciating the music, which is equally fun.

Is there a particular kind of artist you guys look for and ask to come perform?

No, not particularly, it's just whatever we're feeling. Thristian [Boiler Room's co-founder] has the main say on musical direction, but it's a massive team effort. In London there's five of us, New York there's two, LA there's one and Berlin there's two.

Tonight you had different set-ups for each artist, do you tailor their positioning in the room to their style?

It definitely depends on the act and what kind of music they do. With live bands we found what works nicely is having them opposite each other because it's like they're in rehearsal, like they're just jamming. Which is again trying to give them that chilled out feel that they're just at home jamming and there happens to be a camera there. For some of our shows we've had over 100,000 viewers. When you think of those numbers it's quite scary, but when you're in the room and it's all friends it creates that vibe that people don't mind. You can imagine if you had all those people in front of you it would be a very different situation.

Have you ever thought of Boiler Room as an East London version of Soul Train?

It's never crossed my mind like that, but I can see why you think that. I like to think of us as the new music broadcaster, kind of the new MTV, but obviously we operate in the underground scene mainly. But I like to think that what we do is as revolutionary as what they were doing. We're always growing into something new.

What's up next for Boiler Room?

We have had visual people in doing 3D mapping, and that's something we're looking forward to progressing—doing more with the visuals. We've got the upstairs as well, we're starting to do breakfast shows with some high profile DJs, we're going to be doing that regularly. Each will have an individual format. The next step is progressing the US shows, we're alternating weekly between New York and LA, so the next step is to take Boiler Room to America

Breaking Free of the Co-dependency Trap presents a groundbreaking developmental road map to guide readers away from their co-dependent behaviors and toward a life of wholeness and fulfillment.

Breaking Free of the Co-dependency Trap presents a groundbreaking developmental road map to guide readers away from their co-dependent behaviors and toward a life of wholeness and fulfillment.UK Citizens

This is the book that offers a different perspective on codependency and is strongly recommended by Dream Warrior Recovery as part of a solution based recovery. This bestselling book, now in a revised edition, radically challenges the prevailing medical definition of co-dependency as a permanent, progressive, and incurable addiction. Rather, the authors identify it as the result of developmental traumas that interfered with the infant-parent bonding relationship during the first year of life.US Citizens

Drawing on decades of clinical experience, Barry and Janae Weinhold correlate the developmental causes of co-dependency with relationship problems later in life, such as establishing and maintaining boundaries, clinging and dependent behaviors, people pleasing, and difficulty achieving success in the world. Then they focus on healing co-dependency, providing compelling case histories and practical activities to help readers heal early trauma and transform themselves and their primary relationships.

Vintage Ads Most Disturbing Household Products

 

All of the following ads are real and unaltered, so don't blame us. We weren't there when they were made, and in some cases the entire insane thought process that went into creating them has been lost to history. Maybe they made perfect sense at the time?

Maybe. But it's really hard to see how even our parents and grandparents didn't get nightmares from ...

#13. Three-Legged Dingo Boots

vintageadbrowser.com

The Message:

Here are some boots that you should buy, because famous people wear them. Three of them.

The Horror:

Wait, what?

Yes, amazingly, the fact that this ad stars a pre-murder O.J. Simpson is the second-creepiest thing about it. And you can squint and try to read the text all you want -- it makes no reference whatsoever to the fact that their spokesperson has three legs. There's no cute slogan like "Boots so comfortable, you'll wish you had another foot!" Nope. It's like some guy in the art department just said, "Eh, I don't like how you can't really see the chair, let's just add another leg to fill that space."

We know what you're thinking: "Cracked, this is obviously a subtle 'big dick' joke. 'Third leg?' Get it?" But, no, it turns out this was a whole campaign they did with various celebrities, some of whom are women:

eBay
Like, uh ... this famous lady right here.

But O.J. seems to be the most frequent star of the "Third Leg" campaign, which apparently lasted for years. Note how his afro shrinks as he gets more comfortable with his new appendage:

The picture in that third ad would have been perfect for the cover of his book.

Please don't blame us for the inevitable nightmare in which O.J. is running after you, in the dark, those three boots pounding down the pavement after you with a noise like a wounded horse.

#12. Lord West Suits Will Impress Your 7-Year-Old Date

vintageadbrowser.com
"I like my women like I like my code names: 007."

The Message:

Women of all ages dig men in tuxedos!

The Horror:

According to the text, this dinner suit is for "sophisticated traditionalists," a euphemism we weren't previously aware of for "child molesters." Because there's no other way to interpret this picture. That's not tenderness on their faces. That's hunger. If you told us that they're a father and daughter, that would only make it creepier.

And it turns out that this is only the worst example in a whole series of ads associating little girls with selling tuxedos.

eBay
The style is best described as Godfather meets Lolita.

Can you imagine the pitch meeting that led to this campaign? Picture Don Draper from Mad Men standing before his clients, selling them on this idea:

"Class. Elegance. Making out with little girls. These are the values your company represents."

"Did ... did you say 'making out with little girls,' Don?"

"Yes," replied Don with perfect confidence.

"OK, just making sure."

Sitting at the end of the table, Peggy looks at Don and smiles. He did it again.

#11. Man in Tuxedo Carefully Considers Naked Child

library.duke.edu
"Told you it was bigger. Now pay up."

The Message:

Regular soap sinks in the bathtub, causing children to take longer in washing themselves and their fathers to get angry and spank them. Prevent child abuse by buying Ivory Soap -- it floats.

The Horror:

OK, they're clearly just fucking with us at this point. Remove the text and the message becomes clear: "In the old days, child predators used to dress way better than they do now." But let's put the pedophilia overtones aside for the moment and examine the text.

Was the elaborate scenario described under the picture (involving childhoods ruined by non-floating soap) really such a common problem in the '20s, or was this based on the painful personal experiences of whoever commissioned this ad? We're betting on the latter option. Note that the father's body language doesn't say "I'm going to spank you" -- he's clearly pondering which part of the kid's body to break first.

"Maybe the 28th trimester isn't too late for an abortion."

#10. "Are You Sure I'll Still Be a Virgin?"

thesocietypages.org
"If you didn't think band camp counted, I don't see why you'd think this would."

The Message:

Don't worry, teens, you can use Tampax tampons without losing your virginity.

The Horror:

Be honest: How many of you looked at this picture and immediately recognized it as a Tampax ad? And how many looked at it and thought it depicted a teenage girl being sexually propositioned? It's not just us, is it?

This ad would have looked 90 percent less sordid if both people involved were clearly visible. Instead, the second teenager is for some reason sitting on the floor of the porch with her back to us, so we can't see how young, or scared, she is. But, of course, all of that is purely from our own depraved imagination. The real ad is simply about two teenagers debating whether or not inserting a tampon counts as sex.

#9. Escaped Convicts Love Revell Authentic Model Kits

vintageadbrowser.com
"Is this the new plan, boss?"
"I've spent all day plotting against Superman; this is 'Lex Time'."

The Message:

Hey kids! Check out these sweet model kits!

The Horror:

There's only one possible scenario in which this picture could have come to exist: The photographers were getting ready to shoot this ad when they realized that the boy who was supposed to be holding up the models in the picture never showed up for work. Panicking, the man from the ad agency looked around the studio.

"Dmitri, can you come here for a second?" he said to the guy who fixes the lighting. "Stand here and hold this model. Yes, that's great. You'll play the boy in this ad."

"But sir," said the photographer, "Dmitri was just released from jail. In fact, he's still wearing the prison jumpsuit."

"No, no, he's perfect. Look at him. Look at that childlike innocence in his face."

"Could you open the top button maybe, show a little chest hair?"

"Perfect."

#8. Our Competitors = Surgical Ass Torture

vintageadbrowser.com
"Don't worry, sir, the gloves are just to establish atmosphere."

The Message:

Using cheap toilet paper can lead to medical complications.

The Horror:

... which in turn can lead to rubber-gloved hands inserting clamps in your anus. Better play it safe and go with Scott Tissues.

This attempt to traumatize customers into buying their product with threats of anal torture was part of a whole marketing campaign created during the Great Depression in which Scott Tissues' slogan went from "Wipe your butt with us" to "Wipe your butt with us, or die in a world of asshole pain."

Of course, it was all bullshit: There's no such thing as "toilet tissue illness," it was just a thing they made up to convince people to keep buying tissues at a time when they were lucky enough if they had a toilet.

#7. "Before You Scold Me, Mom ... Maybe You'd Better Light Up a Marlboro"

deceptology.com

The Message:

Before you beat your baby for stealing your favorite hat, have a cigarette and relax yourself. Then beat the baby.

The Horror:

How many times did this months-old child have to be punched before it learned to pick up the Marlboros and offer them to mommy to calm her down? If that's not the saddest thing you've imagined all week, you're dead inside. This is actually one in a series of ads from the '50s, back when Marlboro was targeting mommies instead of rugged cowboys. Sometimes the babies actually seem to be guilting their moms into smoking more.

tobacco.stanford.edu
"You turned me into an addict when I was a fetus, now deal with it."

Oddly enough, the version of this ad aimed at fathers doesn't involve scolding, but a pompous baby in a basket defending daddy's rather feminine cigarette tastes (note the reference to "beauty tips" at the bottom).

tobacco.stanford.edu
This is the kind of debate babies have all the time.