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Do a search on this forum & find threads like: http://www.somersoft.com/forums/showthread.php?t=42746 It make sense to employ others if they reduce risk and/or increase returns for you. I'm not sure if this necessarily applies to outfits like TI'C'. My guess is you're no worse off...

Also the 24 hour cooling off period is inferior to the 3 day statutory right offered to non-auction buyers in some states eg Victoria.

Any commercial organisation with the word 'club' in it is an abuse of the word and thus is based on deception*. Stay away! (*) OK there's some harmless exceptions, eg Club Med, Coffee Club etc, and some genuine long-established clubs/associations actually have company...