Laurenz Risseeuw Blogs Fri, 03 Nov 2017 00:58:52 +0000 en-US hourly 1 Devin Fitzpatrick Art Consultants Review: Hur man valjer ratt konsten consulting service Fri, 03 Nov 2017 00:58:52 +0000 renzrisseeuw Continue reading ]]> Att vara engagerade med konst ar något som bör hanteras korrekt. Du måste uppenbarligen sakkunskapen hos en kvalificerad art consulting service som Devin Fitzpatrick Art Consultants, speciellt om du inte har en fast kunskap om frågor avseende konst till exempel dar du behöver professionell hjalp att köpa eller salja en konst.

Konst konsulterna kommer ge ordentlig vagledning till dig under hela köpprocessen, tillsammans med att hitta ratt konstverk som matchar din likings. Dessa yrkesgrupper kan också hjalpa dig att visa upp ditt arbete på ratt stallen anvander ratt satt om du ar artist eller saljaren av ett konstverk. De ar mycket kunniga om hur att locka köpare också, så du inte bör oroa komma med idéer, eftersom de kunde erbjuda sina expert tankar.

Att hitta ratt konsten consulting service kunde emellertid en utmaning för dig. En ar att det finns så många liknande tjanster som finns runt och andra ar processen att noggrann undersökning på vem ar den ratte att arbeta med. Som en konst betrodd consulting service av många, Devin Fitzpatrick Art Consultants tyder på att du bör göra dina laxor ordentligt innan du valjer en konsulttjanst.


Först ar att du bör valja någon som förstår du mycket val. De bör kunna hjalpa dig med vad du bör få. De bör också ha en tydlig förståelse för din smak och preferenser. Och kom ihåg att en erfaren konst consulting service inte kommer ha svårt att rakna du med deras gott om erfarenhet av att arbeta med många manniskor i förflutnan.


Andra innebar din budget. Du måste ange en viss budget nar du arbetar med sådana experter eftersom deras tjanster kan vara lite dyrt. Konst konsulten bör vara villig att arbeta inom din angivna budget. Rusa aldrig sjalv men istallet titta noga för en konsulttjanst som du har råd.


Din sökning kan vara lokalt eller online. Du kan be dina vanner, grannar eller slaktingar för rekommendationer samt, speciellt om några av dem redan hade erfarenhet av att arbeta med en konst konsult. Söker förslag från manniskor kan du litar vara till stor hjalp i din sökning. De kan aven ge dig namnen på konst konsulter som kunde lamna dig besviken med deras tjanst i slutet. Det ar latt att söka på natet eftersom det ar bara ett klick bort att veta alla din lokal konst-konsulter.

På den sista anmarkningen, bör bygga en bra relation med konst konsulten också göras för att sakerstalla en latt tid med dem. De bör inte vara någon du bara hyrt, men dina ögon att guida dig till att se ratt konstverk för dina behov. Vad som an hander ska konsulten bo bredvid dig att hitta ratt konsten och att se till att du ska sluta med de basta erbjudandena på marknaden.

Med alla dessa info ovan hoppades Devin Fitzpatrick Art Consultants att hjalpa dig att hitta den perfekta art consulting service för dina behov.

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Tokyo MK Taxi – The Benefits of Traveling Wed, 12 Jul 2017 02:28:32 +0000 renzrisseeuw Continue reading ]]> Traveling is wonderful in different ways. It can add a sense of fulfillment, joy, growth and experience to one’s life. Researchers state that, traveling is highly beneficial for your physical, mental and emotional health as well. So pack your bags and break off your normal routine because here are some wonderful benefits of traveling:

Traveling can actually keep you healthier.

When you travel, you exposed yourself to a different environment which creates stronger antibodies and helps boosts your immune system significantly. Moreover, studies found that people who travel at least twice a year show a lower risk of suffering from a heart attack than those who do not take an annual vacation.

Traveling can relieve your stress.

Although encountering delays or losing baggage in a foreign airport can sure boost someone’s anxiety, it has been scientifically proven that travel can lower stress levels, increase your happiness and decrease your depression. And these benefits tend to last for weeks after the trip has ended.

It is best to opt for a chauffeur service once your flight landed to avoid the stress of worrying how to reach your onward destinations.  This is why it is important to plan ahead not just your flight and accommodation but also a reliable means of transport to get you where you want to be. With the help of Tokyo MK Taxi, a global company providing taxi and chauffeur services, you will never have to worry about reaching your destinations on time, with style and comfort.

Traveling can enhance a person’s creativity.

Studies say that traveling in a foreign place can also make you more creative. Adam Galinsky, a professor at Columbia Business School who studies the relation between creativity and international travel stated that foreign experiences increase both cognitive flexibility, depth and integration of thought, the ability to make deep connections between different forms. The new language, tastes, sensations, sounds, smells and environment sparks different synapses in the brain that causes the mind to revitalize and get more creative.

Traveling can boost happiness and satisfaction

Traveling is an ideal source of happiness for each and every one of us. In a study, the boost in excitement and happiness comes from simple acts of planning the vacation, packing your outfits and planning your itinerary. All these simple things can positively impact a person’s well-being.

If you wish to travel with comfort and style, opting for Tokyo MK can work great for you. Tokyo MK Taxi features Lexus group enthusiasts’ high-class sedans – Lexus LS600hL and Lexus LS460. From luxurious cars like Mercedes Benz S500L to Toyota Crown Royal Saloon, there is a car to meet your varied needs.

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Potential commodities boom: Harmful for income inequality Tue, 13 Jun 2017 03:23:27 +0000 renzrisseeuw Continue reading ]]> Mid-year of 2017 which will be marked as mid-term of President Joko ‘Jokowi’, is now around the corner. Jokowi set key developmental targets at the beginning of his administration. One of them is narrowing down income inequality.


Income inequality has declined since President Jokowi took the office. Gini Coefficient, which measures income distribution ranges from zero (perfect equal meaning everyone earns the same income) to one (only one person earns all income in an economy), has fallen from 0.405 to 0.394. Gini Coefficient indicates a declining trend.


Therefore, the follow-up question for that progress is that what makes income inequality narrowing down? There is a tendency that lower commodity prices would lead to narrowing down income inequality.


It is no secret that Indonesia’s economy relies heavily on commodities, for example palm oil, rubber, and natural gas. When the commodity prices boom, Indonesia enjoys relatively massive amount of foreign exchange, and eventually higher national income and economic growth.


However, income from commodity price boom is not distributed well for many. And it might lead to widening income inequality, for two main reasons. First, only a certain small group of people benefits from commodity boom. They are generally rent seekers who get a permit to exploit natural resources.


Second, the concept of Dutch Disease is likely relevant to portray negative impact of commodity prices boom. The term was originally used to describe situation experienced by the Dutch in the late 1970s. The Dutch benefited (foreign exchange reserve accumulated) from the increased of natural gas price. But in contrast, it caused economic trouble and more unemployment rate. Economists define Dutch Disease is a condition when the commodity prices boom led to by the inflows of foreign exchanges.


According to Econ 101, large foreign reserves causing appreciation of exchange rate. It means that domestic products are relatively more expensive in the global market. So that, competitiveness of other products, including manufactured commodities, would decline. Only certain people who are involved in the production of commodities get the most gain from the commodity boom. But, the rest might get harmed.


In the near future, there is a potential of another commodity price boom. According to the Central Statistics Agency (BPS), Indonesia’s cumulative exports rose by 18.63 percent in the January-April period this year from the same period in 2016.


The rise in export is mainly caused by higher price of commodities. Moreover, according to the World Bank’s Commodity Price Outlook as of April 2017, it is forecasted that prices of energy commodities and non-energy commodities are going to be in upward trends this year.


The government should prevent the potential negative impact of commodity prices boom to widening income inequality. The government should more focus on two sectors to keep the income inequality narrowed down.


First is focusing on developing tourism sector. Over the past years, foreign exchange reserve from tourism industry has shown a positive trend. And it has been in the top four sectors for foreign exchange reserve contributors.


Moreover, tourism industry has relatively high multiplier effect comparing to other industries. By definition, multiplier effect is a condition occurred when a growth in one sector has positive effects on its sector and other sectors, also encourages growth in the local economy. According to World Travel and Tourism Council, tourism industry in Indonesia has multiplier effect 1.7. It implies that every one dollar spent on tourism would create 1.7 dollar income for the region.


Second is speeding up implementation of financial inclusion. According to the latest World Bank’s Financial Inclusion Data, less than half of total adults (age 15+) in Indonesia has been reached out by financial services, including formal saving and formal borrowing. In other words, there are many potential financial services users.


Many studies have shown that financial inclusion gives many benefits, for instance: manage cash flow through saving; finance business, particularly micro, small, and medium enterprises, through borrowing; mitigate risk of unexpected events, through insurance.


To make sure more people are included in financial services, policies in financial inclusion and financial access must get along together. All stakeholders, central and local government, the central bank, financial service authority (OJK) must collaborate to implement financial inclusion successfully.


Indonesia should stop relying on commodities. History has recorded that commodity price boom is not last for a long period of time. It is good for economic growth for a while, but it affects income equality widen.

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Apple urges iPhone users to update after powerful cyberweapon is found by Online Security Thu, 10 Nov 2016 05:49:56 +0000 renzrisseeuw Continue reading ]]>  

SAN FRANCISCO – Apple on Friday urged iPhone owners to install a security update after a sophisticated attack on an Emirati dissident exposed vulnerabilities targeted by malware dealers.

Researchers at the Lookout mobile security firm and Citizen Lab at the University of Toronto said they had uncovered a three-pronged attack targeting the dissident’s phone “that subverts even Apple’s strong security environment.”


Lookout and Citizen Lab worked with Apple on an iOS patch to defend against the attack, called Trident because of its triad of methods, the researchers said in a joint blog post.

“We were made aware of this vulnerability and immediately fixed it with iOS 9.3.5,” Apple said in a released statement.


Trident is used in spyware referred to as Pegasus, which a Citizen Lab investigation showed was made by an Israel-based organization called NSO Group. NSO was acquired by the U.S. firm Francisco Partners Management six years ago.

Lookout referred to Pegasus as the most sophisticated attack it has seen, accessing calls, cameras, email, passwords, apps and more.


The spyware was detected when used against Ahmed Mansoor, a human rights activist who has been repeatedly targeted using spyware.

After receiving a suspicious text with a link, he reported the matter to Citizen Lab, which worked in conjunction with San Francisco-based Lookout to research the affair.


“The attack sequence, boiled down, is a classic phishing scheme: send text message, open web browser, load page, exploit vulnerabilities, install persistent software to gather information,” the joint blog post said. “This, however, happens invisibly and silently, such that victims do not know they’ve been compromised.”


Mansoor received text messages on Aug. 10 and 11 promising that secrets about detainees being tortured in United Arab Emirates jails could be accessed by clicking on an enclosed link, researchers said.

Had he fallen for the ruse, the Trident chain of heretofore unknown “zero-day exploits” would have broken into his iPhone and installed snooping software.


Once infected, Mansoor’s iPhone would have been turned into a “spy in his pocket” capable of tracking his whereabouts and conversations, Citizen Lab said.

Mansoor was targeted five years ago with FinFisher spyware and again the following year with Hacking Team spyware, according to Citizen Lab research.


“The use of such expensive tools against Mansoor shows the lengths that governments are willing to go to target activists,” the researchers said.

Although the cyberattack on Mansoor was not linked to a specific government, Citizen Lab said indicators pointed to the UAE.


UAE authorities did not comment on the matter.


Lookout and Citizen believe the spyware has been “in the wild for a significant amount of time.”

“It is also being used to attack high-value targets for multiple purposes, including high-level corporate espionage on iOS, Android and Blackberry.”


Citizen Lab has also found evidence that “state-sponsored actors” used NSO weapons against a Mexican journalist who reported on high-level corruption in that country and on an unknown target in Kenya.

The NSO tactics included impersonating sites such as the International Committee of the Red Cross, the British government’s visa application processing website and a wide range of news organizations and major technology companies, the researchers said.


Mansoor’s decision to enlist Citizen Lab instead of falling into the trap gave researchers a rare chance to expose the work of “shady cyber arms dealers” who command high prices for morally questionable services, said Lookout’s vice president of security research, Mike Murray.


Invoices posted online have shown that hackers can charge tens of thousands of dollars per target hit with their software.

“The smartphone is a valuable target, and breaking into it is a valuable skill set,” Murray said. “People who can do this, and with wiggle room in their moral code, have realized the business opportunity.”


NSO Group has been around since 2010, and the capture of one of its weapons was billed as a first.

Studying Trident has helped cyberdefenders find ways to spot spyware that had been operating unseen, and they are “actively catching it in the wild now,” Murray said.


He declined to reveal anything about other targets, saying that they were people likely to be under surveillance in other ways by local authorities.

Citizen Lab saw the attack on Mansoor as further evidence that “lawful intercept” spyware has significant abuse potential, and that some governments can’t resist the temptation to use such tools against political opponents, journalists and human rights defenders.


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People encouraged to better secure online accounts following Yahoo breach by Online Security Wed, 02 Nov 2016 02:03:33 +0000 renzrisseeuw Continue reading ]]> Residents who use Yahoo Mail are being encouraged by the S.C. Department of Consumer Affairs to take action to secure their online accounts following the announcement last month of a massive breach.


During the last two weeks of September, Yahoo announced that at least 500 million user accounts had been compromised.


An investigation by Yahoo following suspicions of an attack in July uncovered a far larger, allegedly state-sponsored attack in recent weeks, according to the Associated Press.


“We take these types of breaches very seriously and will determine how this occurred and who is responsible,” the FBI said in a statement last week.


Given the importance most people place on protecting personal information, the Department of Consumer Affairs is encouraging Yahoo Mail users to take action by following several tips, said Megan Stockhausen, communications coordinator with the agency.


• Change the account password and security questions immediately. Use strong, creative passwords (uppercase, lowercase and special characters) and don’t share them with anyone. Also, don’t use the same passwords or security questions for multiple accounts, especially when using an email address as the login name on a site.


• Watch out for phishing attempts, which is defined by asking for personal or sensitive information via a phone call, text or email is a tactic used by scammers. Never reply to texts, pop-ups, or emails that ask for verification of personal information. Avoid clicking on links or downloading attachments from suspicious emails or texts.


• Closely monitor financial and benefits statements/accounts. Check all monthly statements and account activity, especially for financial accounts saved as payment options on internet merchant sites.


Review them carefully and notify the financial institution/provider as soon as an unauthorized or suspicious item is spotted.


• Consider a fraud alert and security freeze. Scammers may use the stolen information to open new accounts.


A fraud alert and security freeze are free security measures for a credit report. A fraud alert tells a business accessing the report to take extra steps to verify that the person holding the account is the one seeking its goods/services.


When a security freeze is in place, no one can access the report without the account holder approving it.


Stockhausen said these tips can help anyone trying to secure any personal online information.

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Online Security: Anonymous Internet Vigilantes Are Taking Peer Review Into Their Own Hands Tue, 11 Oct 2016 02:07:40 +0000 renzrisseeuw Continue reading ]]>  

Since 2012, the message board PubPeer has served as a sort of 4chan for science, allowing anyone to post anonymous comments on scientific studies. Originally intended as a forum for the discussion of methods and results, PubPeer has perhaps become best known as a clearinghouse for accusations of scientific error, fraud, and misconduct—forcing journals to issue corrections and retractions, damaging careers, and eventually embroiling the site in a court case in which it’s advised by Edward Snowden’s legal team at the American Civil Liberties Union.


In the view of its critics, PubPeer enables an unchecked stream of accusations with no accountability. But to its supporters, PubPeer is maybe the only consistently effective way to expose fraud and error in the current scientific system. It exists at a time of quiet crisis for science and science journals, when the community is concerned about an inability to replicate past results—the so-called “reproducibility crisis”—and the number of papers retracted is on the rise. The traditional system of peer review seems unable to address these problems.


“We started it because we wanted more detailed arguments about science, and we were really shocked at how many fundamental problems there are with papers, involving very questionable research practices and rather obvious misconduct,” said Brandon Stell, a neuroscientist at the Centre National de la Recherche Scientifique in Paris and the creator of PubPeer.


There’s certainly no denying its effect. According to Retraction Watch, a blog that monitors scientific corrections, errors, and fraud, at least three high-profile scientists in the past few months have had their studies retracted by journals after their data was questioned by anonymous commenters on PubPeer.


The most frightening words a researcher could read on PubPeer are ‘There are concerns’


One of the scientists, Fazlul Sarkar, is currently suing several of the commenters. His lawyers argue the site must reveal the identities of the users that have done damage to Sarkar’s career, after he lost a tenured position at the University of Mississippi. PubPeer has refused to release the information. Both Google and Twitter have filed a court brief in support of the site, which is currently being defended pro-bono by lawyers from the ACLU.


It’s perhaps the most interesting case about internet privacy you’ve never heard of, and it all stems from a frustration among scientists with the shadowy politics of publishing and peer review.


At its base, PubPeer is a site that allows anyone to post comments on any scientific paper listed on the federally-funded PubMed database, either anonymously or under their own name. It’s functionally very simple, but the built-in anonymity makes it a safe outlet for scientists—especially young, early-career scientists—to discuss and criticize research without fear of repercussion. And that’s something they’re apparently eager to do: The site has logged over 55,000 mostly anonymous comments since its launch.


Back in October 2013, someone on the PubPeer site started threads for about 20 previously published papers on which Fazlul Sarkar, a cancer researcher then at Wayne State University in Michigan, was an author. The papers span over a decade and involve a variety of complex molecular signalling pathways involved in cancer. The issues raised by the comments, though, were relatively straightforward: They claimed that images in these studies appeared to have been changed, duplicated, and re-used across papers, suggesting that the experiments they appeared in may have never actually happened, or could have produced different results.


Stell noted that, in an effort to keep the discussion civil (and legal), PubPeer specifically requests that users do not accuse authors outright of misrepresentation or fraud. Comments are moderated in case they break these guidelines, so any discussion of such allegations tends to have a muted tone.


That doesn’t make this group of self-appointed watchdogs any less effective, though. The most frightening words a researcher could read on PubPeer are “There are concerns.”


Discussion over “concerns” surrounding Sarkar’s work expanded rapidly as it became clear the commenters had found a rich vein to mine: According to the NIH funding database and PubMed, Sarkar has received more than $12 million in NIH funding and authored over 500 research papers over his career. The community is nothing if not meticulous—PubPeer commenters have been known to pull up decades-old PhD theses looking for dirt—and a search of the message board shows that eventually 77 papers with Sarkar on the author list were presented for scrutiny. By checking the papers against each other patterns began to emerge; for example, one user claims a single set of images were duplicated up to 54 times in 13 papers, across three years.

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Top Story: Apple customers targeted with massive email scam by Oakmere Road Mon, 19 Sep 2016 03:16:38 +0000 renzrisseeuw Continue reading ]]> There’s been an alarming number of phishing scams identified this year and these emails are getting more clever and realistic than ever.


The latest phishing email you need to keep an eye out for disguises itself as an iTunes email. Much like the Amazon phishing scam we showed you, this email claims that you have been overcharged for a download purchase, $25 for one song, which is usually $1.99 or less, or $45 for the Netflix app.


The email will show you a very official-looking billing statement and will encourage you to click a link that says, “Cancel andx Manage Subscriptions.” But, because you’re a reader, you’ll notice the typo in the link and know that’s red flag number one.


Whatever you do, don’t click that link. It could take you to a malicious site that can steal all of your valuable information, then it’s game over.


If you think you really might have been overcharged, check your bank statements first before clicking any links.


Just being in the know about these emails is step one. There are other steps you can take to keep yourself safe from these phishing attempts. If you see an email like this in your inbox:


- Be sure to exercise caution before you click on anything. Hover over any links and see where they direct before you click. If the links provided go to a website, don’t click it. Navigate to the company’s site yourself without the link.

- Take some time and try to spot the typos.

- If you’re not sure that you can spot the signs, click here to take our phishing IQ test to see how many stand out to you.

- Practice multi-level authentication, which means you have at least two forms of verification, such as a password and a security question before you log into any sensitive accounts.

- Another thing is to have an internet security system. We recommend our sponsor Kaspersky Lab. Software from Kaspersky Lab can recognize and block ransomware. Even if it’s a new version or unknown version of a ransomware, Kaspersky Lab can figure out that the program is doing something it shouldn’t. Kaspersky Lab will stop it from running and will roll back any files that were encrypted to a previous non-encrypted version. Of course, Kaspersky Lab software also helps filter out and warn you about phishing scams, so your odds of downloading a ransomware virus are slim. Get this protection, and so much more, with Kaspersky Total Security.


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Oakmere Road: Scholarship scams target college students Thu, 08 Sep 2016 03:12:28 +0000 renzrisseeuw Continue reading ]]> As college students and parents seek assistance to cover the ever-soaring costs of tuition, some have been targeted by scammers offering false promises of scholarships and grants.


“At CPA, we always encourage prospective and current families to apply for as many scholarships as possible in order to receive the maximum amount of free financial help,” said Mary King of College Parents of America. “Free is a key word. Remember to apply more, but give the least amount of information needed, and never pay to win money.”


According to the Federal Trade Commission, unscrupulous companies sometimes approach prospective college students with bogus offers of scholarships, financial aid or consulting services in exchange for an application fee or payment. Some use high-pressure sales pitches at seminars, urging students to pay immediately or risk in losing out on opportunities for aid.


“We don’t know how widespread this is,” FTC spokesman Frank Dorman said.


Some scammers, according to the FTC, guarantee the students will get their fees refunded if they don’t receive a scholarship, but then attach conditions that make it impossible to collect a refund.


Others tell students they’ve been selected as finalists for awards and demand an upfront fee, or request bank account information on the false premise of confirming their eligibility.


“Don’t pay,” King advised. “Legitimate scholarships do not require a fee. Stay away from any types of fees when looking for scholarships.”


Legitimate scholarships, she said, also don’t require recipients to provide personal banking or credit card information.


Conducting some online research into the background of a scholarship or consulting company can also help students spot fraudulent or deceptive offers, she said.


Signs that a scholarship offer may be a scam include the presence of application fees, no proof of past winners, no phone number listed, a request for personal financial information and winning a scholarship you didn’t apply for, King said.


There are also companies that claim they have programs that can increase a student’s eligibility for certain scholarships or grants.


Some legitimate companies provide students with lists of scholarships or run students’ profiles through national scholarship databases to find potential scholarships for which they’re eligible. But legitimate companies won’t guarantee scholarships or grants, according to the FTC.


King recommends that students and parents can save money by doing the legwork themselves.


“Avoid companies that state they will do the work for you,” King said. “Scholarships are work. No one else can do it for you. Try to avoid any company that states it will do the work for you.”

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Oakmere Road: 5 Signs That Your Investment Adviser Is Scamming You Sat, 27 Aug 2016 04:02:08 +0000 renzrisseeuw Continue reading ]]> When it comes to investing, there are precious few certainties, other than the fact that nobody works for your financial best interest as completely as you do.


That fact became obvious to the clients of the Warrenville, Ill., company Capital Management Associates recently when the SEC brought a suit against the father-and-son team that run it for “cherry picking” trades.


We’ll get back to that story in a moment. But it’s important for everyone to know that even the ethical players in the financial industry earn their living based on the fees they get directly from you or via the providers of products they recommend to help you achieve your goals.


In addition, because financial management is somewhat complicated and the future is never guaranteed, it’s an industry rife with opportunities for fraud and theft. That’s especially a risk when people turn over complete control of their hard-earned cash to an “expert” who promises to manage it for them.


If you suspect that your financial adviser may be scamming you, here are five signs that can help you uncover it.


Sign No. 1: An Adviser Won’t Provide Real-Time Trading Information.


In the case against Capital Management Associates, the SEC alleges that the duo ran trades without specifying whether they were for clients’ accounts or for the owners’ accounts. Then, once the profitability or loss of the trade was assured, the company would backdate that information, assigning the profitable trades for themselves and the losers to clients.


Losing money in an investment is not a crime, but cherry-picking among winning and losing trades after the fact is.


How could clients of Capital Management Associates have known that they were getting saddled with the bad trades? The short answer is: by staying in the loop.


Those who trust their adviser to trade on their behalf should, at the very least, insist on receiving a running total of all trades when they are made. If your financial adviser can’t or won’t do that for you, then chances are pretty good that you’re being scammed.


Sign No. 2: An Adviser’s Returns Are Too Good to Be True.


Bernie Madoff swindled investors out of billions of dollars in what has been called the largest Ponzi scheme ever uncovered. While Madoff, a former chairman of the Nasdaq stock exchange and securities representative on SEC industry panels, knew enough to hide from the regulators for decades, his returns were too consistent to be real.


Sponsored Links Any time an investment advisor is guaranteeing returns or assuring consistency, year in and year out, there’s a pretty good chance it’s a scam. And while there are a few legitimate annuities with investment accounts structured in a way to “guarantee” you won’t lose money, they’re generally just high-cost insurance plans where you’re paying dearly for those guarantees through the structure of the deal.


Sign No. 3: You’re Getting Hot Tips That You’re Told You Need to Act on Now.


Any legitimate investment worth owning will still be available tomorrow, after you’ve had the time to think about it (and research it independently). Any pushy advisor telling you things like, “You’ve got to act today to get in on the ground floor” or “You don’t have time to read the paperwork” is asking you to act without reviewing something, which is a common hallmark of a scam.


While there are real deadlines for things like IRA contributions, the money in those accounts can easily sit as cash until you’ve had time to review the details of the investment recommendation. And be aware that prices in the stock and bond markets do change regularly — often several times throughout a trading day. If your adviser brings you an investment to consider and you do take the time to review it before buying, don’t be surprised if the price winds up being a bit different than initially discussed.


Still, it’s better to wait and lose a little bit than to lose everything to an outright scam.


Sign No. 4: You’re Promised Investments That Will Be “No Cost to You.”


If you’re working with a financial adviser, that advisor is getting paid by you, either directly by checks you write or indirectly via commissions, spreads, or fees generated by the investments you make. Any adviser claiming otherwise is hiding something — likely an outlandishly high fee for placing an investment or insurance policy, which can often run north of 7 percent of the invested amount.


A competent advisor deserves to be paid for his or her time and expertise. But one that won’t tell you how much you’re paying for the service or how you’re paying for it is an adviser to walk away from.



Sign No. 5: Your Account Is Being Churned and Burned.


And speaking of fees, be wary of an adviser who regularly churns your account through multiple trades of similar types of annuities, mutual funds, or other investments. If your adviser is getting paid through a hidden commission from making the transaction, that activity is very likely lucrative for the adviser … but not so much for you.

Not all investments work out, of course, but a common definition of insanity is doing the same thing over and over again while expecting different results.


If your advisor is trying to convince you that the investment you are in is so much worse than a fairly similar one you should be in, that’s a sign that neither investment is likely right for you.

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Investor Education Gateway by International Financial Securities Regulatory Commission Thu, 25 Aug 2016 06:45:09 +0000 renzrisseeuw Continue reading ]]> Welcome to the IOSCO Investor Education Gateway! This is the place to find information about many IOSCO members’ on-line investor education activities, as well as IOSCO publications and presentations regarding investor education.


Investor Education has been and continues to be a significant part of multiple IOSCO seminar training programs. Additionally, and upon requests made by IOSCO members, dedicated Investor Education training has been organized and presented by IOSCO staff.


IOSCO has a major commitment to improving and promoting investor education. Just some of the priorities on the horizon for the IOSCO Education and Training team include:


- Conducting Investor Education Workshops;

- Expanding the Investor Education Gateway;

- Making investor education resources available for all IOSCO members;

- Continuing IOSCO research regarding all aspects of investor education, and offering assistance to IOSCO members with respect to their own investor education initiatives;

- Providing forums and other platforms for IOSCO members to share “Best Practices” and “Good Ideas”;

- Analyze what does the current research show with respect to investor education?;

- Focus on what works and what does not work…and what is the proof if something does work?”


The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

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