Remember back when the "can't lose" business opportunity of the 1990s was owning payphones? The monopoly local phone companies were getting out of the payphone business because they read the tea leaves about cell phone popularity. Their exodus paved the way for con artists to come in and market a variety of "dare to be rich" schemes.

Now so many people have rusting payphones sitting around their properties after this business opportunity proved to be a bust. The payphones were typically sold in groups of five for $19,000-$25,000. It was a big-time money loser.

Today we have the same scenario going on with foreign currency trading, which Clark sees as the modern equivalent of the payphone craze. You see the ads on the web and in infomercials. We're also getting a lot of calls on the show about currency trading.

Is there a legitimate business here? Yes, people do this for a living, but the risks outweigh the benefits for most people. Even if it's not a scammer you're dealing with, you're likely to get burned in this high stakes, high risk deal. It is the ultimate in speculation and the complete opposite of investing.

Dow Jones reports that institutional currency investors are getting out the game and individuals are getting in. When the professionals pull out, you know you'd better be wary. Think back to the payphones.

Yes, Clark knows the idea of currency trading really appeals to people who are afraid of the stock market and real estate and have grown tired of puny returns on CDs. But this is not gold. This is fool's gold.