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Are you someone who is always struggling with money?

Do you need assistance and guidance of experts to help you with sorting out your monetary issues?

Well, scroll no further because you have come to the right place. We help you with all your queries, issues and problems related to finance.

SECURITIES FRAUD – ALL YOU NEED TO KNOW!

With rising cases of investors losing their hard-earned money, securities fraud is becoming a topic of interest. Are you wondering what it entails? Worry no more! Here, we have prepared answers to commonly asked questions, to ease the work for you.

 

What is securities fraud?

As its name suggests, securities fraud (also known as investment fraud or stock fraud) is a series of illegal activities that are common in the stock markets. They involve the misrepresentation of facts or information meant to help investors in decision making. We came across this article recently : TG Daily Securities Fraud Defense Questions – which already dives deep into the most common questions revolving around securities and subsequent scams. We recommend you give it a read.

 

Are there any laws governing securities fraud?

Yes! Regardless of your country or area of residence, stock fraud is not only a criminal offense but also a civil tort. Each country will usually have regulations that are codified in statutes and Acts.

Furthermore, judicial precedents or judge-made laws also provide a basis for the regulation of securities fraud.

 

Who can commit investment fraud?

Anybody can commit the said crime. Consequently, any legal person can be subjected to the laws governing investment fraud. They include:

  • Natural persons; this includes individuals such as stockbrokers, or people posing as investment advisors.
  • Juristic persons; here, we have organizations, entities, corporations, and firms such as brokerage firms.

 

What are the common types of securities fraud?

There are a dozen forms of investment fraud, often categorized depending on how they are committed. The common examples include:

  • Internet fraud/ market manipulation

It is a form of investment fraud that utilizes internet platforms like e-mails and chat rooms. Here, the perpetrators generate and spread fraudulent information about stocks. Their goal is to increase or decrease the price in those stocks and then sell their shares.

  • Illegal distributions

This involves trading in securities contrary to the laws of the land. The main examples of illegal distributions include pyramid and Ponzi schemes.

You have probably been a victim, or knows someone who has. In essence, the schemes unsuspecting victims, who invest their funds and bring in more people under them. They then use the money invested by subsequent investors to pay the prior investors.

  • Insider trading

This is likened to a mole in a typical investigations team. In investment fraud, an insider who has access to privileged information uses it to meet their ends.

For instance, he can disclose it to another third party who will subsequently become an insider as well.

What are the tricks and hacks to employ to avoid being a victim?

You may not run away from fraudsters, but you can protect yourself by doing the following:

  • Always be curious. Understand every aspect of the investment.
  • Consult registered advisors!
  • Watch out for red flags, such as unrealistic investment returns

 

The 3 Deadliest Mistakes to Avoid When Applying for a Payday Loan

Payday loans can either be the help that you need to get through rough times, or it can turn out to be a disastrous mistake. Designed to help you take care of unexpected expenses that arise out of the blue, there’s a right way to do things and a wrong way to do things. Take a look at Zebra Loans for an example of payday loans.

All too often, many people find themselves making some of the most common mistakes when they apply for a payday loan. Maybe it’s because they forget about the risks or maybe it’s just because they don’t know any better.

Whatever the case may be, here are 3 of the biggest mistakes people make today when applying for these types of loans. Hopefully it helps you gain the insight you need to make a financially wise choice.

Borrow too much, and you might not be able to pay it back.

Know what’s feasible and what’s not. It may seem great to have access to a large amount of money when you’re having financial difficulties, but you won’t want to let this bring you to financial doom.

The best way to prevent this mistake is to know to the cent how much will help you overcome your current situation that has you getting a payday loan in the first place. Then come up with a plan to pay it back and make sure it’s something that you can easily do. Once you do that, come up with a backup plan to ensure that your loan doesn’t go unpaid and end up hurting your credit score.

Going with multiple lenders might seem helpful, but it’s not smart.

In most places, this is illegal and could end up leading you to having to take care of more things than just paying back the loan. Regardless, it not only could lead you to having to pay more back than you make, but it could wreck you financially over the long-term.

Just stick with one lender, and work on paying them off as this is usually enough to cover any short-term needs that you may have financially. This ensures that you don’t let things spiral out of control before you have a chance to make things better for yourself and your family financially.

Not prioritizing repayment or having a plan for payback in place.

This is one of the most common payday loan mistakes today. One will run out and get the money they need from a lender to overcome their financial difficult. Paying it back isn’t at the top of mind.

The best way to defeat this is to come up with a plan to pay it back as quickly as possible, and to also have a plan B in case the unexpected comes to surface. By doing this, you’ll sleep easy knowing that you had things figured out from the start.

Hopefully this gave you the insight you needed to make a wise choice when applying for a payday loan. All too often people find themselves burdened with debt that realistically can’t be paid back. Don’t let yourself become the next victim.

Things To Consider When Applying For A Loan

Applying for an easy loan may seem to be one of the simplest things to do. In fact, if you do not read all the small print, and really know what you are letting yourself in for, it can be much worse than you expect.

That is why, before you apply for easy loans New Zealand, you should be aware about these things.

High interest rates — Make sure you know what the interest rate is going to be throughout the entire period of the loan. After all, not only are easy loans usually at a much higher interest rate than a more traditional loan, sometimes that interest rate can increase as the loan progresses.

Read the small print before signing up for a loan, so that you know exactly how much money you will be paying in interest over the term of that easy loan.

Penalties — There can be very high penalties for anyone that either makes a late payment or even repays the loan much faster than the company would like.

Find out about any and all penalties before you accept an easy loan, as you do not want to find out you are going to have to pay hundreds more dollars in penalties than you expected.

Shorter repayment terms — A traditional loan company may be able to give you a loan for five, ten or even twenty five years. Depending on how much you need and how long you need to pay it back.

A company offering you an easy loan, however, may have much shorter repayment terms. Repayment terms that are at very high interest rates as well.

Make sure you know exactly how long you have to repay that loan, and be sure you can afford that high monthly payment during the entire term of the loan before you take it out.

Hidden fees — Just about every company offering an easy loan will also have hidden fees you know nothing about.

This is why reading every part of that contract is key before you take out a loan, and asking questions about the elements in the contract that you do not understand. Otherwise, you could find yourself paying hidden fees that you had no idea would ever be part of a loan.

Monthly or weekly payments? — Find out what your repayment options are when it comes to the times during the year where each payment will be due.

Some companies offering an easy loan mandate weekly repayments. This can be difficult for many people, especially if they only receive their pay check once a month. It also gives you many more repayment times where you could end up being late, and thus having to pay a very high late fee.

Only choose a company that allows monthly payments on your loan, and you are far less likely to forget to repay one payment or simply not have enough money to do so.

Sources of Business Finance

Are you someone who has an incredible business idea in mind and looking for sources to finance your idea? Are you someone who is opting to set up a start-up but not sure where to start? Well, worry no more because we have compiled a list of sources, which you can consider when looking for a way to fund your start-up. Let us look at them one by one.

Getting a Bank Loan

For Entrepreneurs, Banks are supermarkets, where they can get finance for their business. Banks provide various packages or plans, which you can choose as per your needs or wants. Usually, the financing plans are of three basic types including short term, mid-term and long term plans. These plans contain finance for all things you need for your business including equipment, working capital, real estate and any other asset needs. Banks want you to provide them with some kind of security when you seek to get a loan to assure that you will pay back the money. Unlike other business options, banks provide you the most flexibility. You can choose the best-suited plan for your business and decide an appropriate time for paying the money back. If you want, you can always pay back the money earlier and end the contract.

Going for a Smart Lease

When starting a new business, you will need to purchase some property or space to set up your business. You may also need to buy equipment, machinery and other things as well. This can be very tough decision to make and a heavy burden to bear. In such a situation, going for a smart lease is a good option for you because doing large down payments will be difficult and painful for you. In this case, you have to pay the money back in instalments at regular intervals of time. The instalment amount, time interval and payment criteria are set before you sign the lease contract. There are, yet again, various options for you to opt for and many plans and packages to make it easier for you to pay the instalments.

 

Getting funding from friends and family

This is the most flexible and lenient option for you if you are lucky. You might not even have to pledge your property to provide assurance to them. Your family and friends are the people who have faith in you and they trust your abilities. If they are good investors, they can be the best option for you when starting up a business because while others might be looking at your initiative as a big bag of risks, your friends and family will be there to back you up, support you with your idea and help you to make it successful because they are the ones who personally believe that you have the potential to do so.