How not to become a “landed passenger” in the financial market
Rule 1: limit your losses Always put the "foot". Translated from trading to a common language, this means that in any transaction, even before you do something, you must determine…

Continue reading →

Russians tried out new business - fuel pellets
More than 20 years ago, Bavarian Rudi Gunnerman, who lives in the United States, first produced wood pellets. The pellet market is growing at a tremendous pace today. Prices are…

Continue reading →

What is infobusiness
Nowadays, in the realities of Russian reality, an increasing number of people are thinking, if not about creating their own business, then about real ways of working. Using a lot…

...

What happens to financial pyramids and how not to get there?

The most relevant today are the so-called HYIP projects. They differ from the classic financial pyramids in that they can not pay any money to depositors at any stage of the project life cycle.
“Secrecy is one of the distinguishing features of financial pyramids, administrators do not talk about the goals of their work and the features of the project. In most cases, they simply have nothing to tell, ”writes the author of one of the blogs dedicated to HYIP projects.
Additional confusion for the gullible user is caused by the fact that the HYIP authors often use vocabulary from the legal banking and financial sphere: for example, they refer to amounts contributed by users to HYIP projects as contributions. In the network you can find a lot of video reviews of these projects, the creators of which call themselves analysts, investors – investors and give advice on how not to be trapped in a financial fund.
“By participating in a HYIP project, 99% of people understand the risks of fraud. For them, this is more of excitement, an opportunity to catch luck, ”says Marat Safiulin, manager of the Federal Fund for the Protection of Investors and Shareholders’ Rights. Another popular form of fraud is consumer credit cooperatives, which are a legal form of financial activity, but there may be a financial pyramid behind them.
According to experts, the danger of “legal” pyramids on which people who are completely inclined to risk are “pecked” is higher, as they affect a more vulnerable audience.
The HYIP project has a short lifespan, relatively small amounts of deposits, short terms, most often it does not even try to disguise itself as a legitimate organization and is aimed at the Internet audience. A fraudulent credit cooperative is a longer period, it is aimed at a more age-oriented audience and often tries to give the project as legal. However, according to an expert, the presence of a company in the register of the Central Bank is not a guarantee that it conducts legal activities. Perhaps her violations have not yet had time to identify.
“The microfinance company and the CCP earn money by issuing loans. And if they advertise only “profitable savings”, this may be an indirect sign of bad faith, and then you should think. Sometimes this can be a sign of serious financial problems in the company. In this case, quite conscientious companies can do the same, ”explains Marat Safiulin.
numbering- small.pngInformational war in social networks
According to Marat Safiulin, the information that “Cashbury” is a financial pyramid, appeared long before the Central Bank of the Russian Federation recognized the company as such. So, in early August on the channel “Russia 1” a film “Pyramid” was released, in which they showed how correspondents are trying to find the company’s offices that are not present in reality in London and conclude that the company conducts illegal financial activities. Why didn’t this information scare away Cashbury contributors? The existence of financial pyramids helps not only their economic model, but also marketing, as well as coverage of activities in social networks.
For example, one of the distinctive features of “Cashbury” is a set of posts in social networks with positive feedback on the work of the company – “in-depth use of social networks”. “People who were involved in“ Cashbury ”with the help of social networks are not readers of information agencies, and they were attracted through two social networks: VKontakte and Telegram. Cashbury managers had to post positive information about the company literally every 15 minutes, and this led to the fact that any critical information, including the information that we placed on behalf of the foundation, was drowning in a sea of ​​enthusiastic and single-type reviews. ” – says Marat.
Users reading Twitter or Facebook may have seen the news about the recognition of “Cashbury” as a financial pyramid, but this organization was very clearly focused on its audience and due to this it provided absolute information superiority in those channels that are demanded by this audience.
Details
Who is at risk?
“These are elderly people who still remember about the financial pyramids of the 90s and are afraid of them, but on the other hand, they are being led by fraudsters to make money using a muddy scheme for a new device that will cure their joints,” says Dmitry Yanin. – Also at risk are people with low incomes: they have to take money to pay for utilities, food. Men suffer more, they are more risky, women are more cautious. People with low education, with a poor knowledge of mathematics, and the Russian language are also at greater risk of falling into the financial pyramid. ”
There are organizations in Russia that help victims of financial fraud, one of them is the Federal Public-State Foundation for the Protection of Investors and Shareholders’ Rights. This is a non-profit organization designed to pay compensation to depositors affected by the unlawful actions of unlicensed financial companies.

Common sense in the foreign exchange market
For a start, a little episode of the last days and weeks. I have one very good friend - the head of the operational department of a very large bank…

...

Salary, personal income tax, contributions to the FIU and FSS
It is clear that in the total wage, which the employee receives "on his hands", there is some kind of basic basis, let's call it the salary necessary for a…

...