TiF is Looking for New Writers!
October 11, 2012 – 3:28 pm | Comments Off

Things have been a little quiet over here the last few months, but on the run up to Christmas we would love to help you all make a little extra cash, and we have this awesome platform to work on! If you are interested in Joining This is Freelance the first thing we look for [...]

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Business, Finance, Investment, Personal Finance »

Financial fraud should be kept out of your portfolio
May 5, 2014 – 2:22 pm | No Comment

Financial fraud comes in many forms; from mortgage scams, investment fraud, credit card fraud, predatory lending, tax fraud to Ponzi schemes.  Many times a person does not know or realize they were hit with fraud until it is to late.  The Financial Fraud Research Center reports that each year over 30 million consumers are defrauded in one form or another, leading many to financial, emotional and/or social destruction.  The estimated cost for such fraud is well over $50 billion a year.  Due to the fact that many consumers fail to report when they have been defrauded, fraud increases every year.

Anyone can be a victim of financial fraud

Although there is no set profile of a scam victim, research has shown that consumers between the age of 40 and over are usually the main target for scam artist.   It is no surprise, that consumers between the age of 65 to 74 are at the greatest risk of becoming victims of scams and financial fraud.   They are also the least likely to report that they have been defrauded.  Research has also shown that men are more than likely to be victims of investment and/or business opportunity fraud, while women are shown to be more susceptible to lottery fraud.  In one survey of financial fraud victims, it was shown that victims are twice as likely to hold a college degree, have above average financially literacy, be optimistic and open to ideas, not afraid to make financial decisions and more than likely to be male between the age of 55 to 65.

Over the last 10 years, consumers have been hit hard in their financial pocketbooks.  And to add to the burden, there has been a steep increase in taxes, food, clothes, health care cost, education, and the list could go on and on.  In tough economic times many look for ways to increase their financial situation for the better, but unfortunately these are the exact conditions that fraudsters used to impose their scams on unwilling victims.


Each year over 30 million consumers are affected by financial fraud.

Each year over 30 million consumers are affected by financial fraud.

Red flag alert!  We’re all heard the saying “if it’s too good to be true, it usually is,” well 99 out of 100 times this is true.  So you might ask, “How do I know what to believe and what not to believe.”  Sorry to say, there is no sure way of knowing but with proper precautions, double checking on everything and never acting on just instincts you can be pretty sure you will not fall victim to a scam.  In other words, do not believe or trust what anybody throws at you, not even a relative, take the time to education yourself about any financial matters, dig deep and wide, before making any decision that could hurt you financially.

A few things to keep in mind when making any decision on your financially future:

  • Think before you act.
  • Check for licenses, good place to start, www.SaveAndInvest.org.
  • Think twice if risk is involved, could it break you financially if it fails, do you want to be in that position?
  • Don’t let anyone or anything rush you into a decision, if the offer is legit it should be good at any time.
  • Never invest on a promise, promises can be broken.


Further information you should know

The Financial Fraud Research Center teamed up with the FINRA Investor Education Foundation and the Stanford Center on Longevity to not only increase interest in funding but to perform research, surveys and white paper reports about financial fraud in order to help stop fraud, educate consumers and raise awareness of the different forms fraud is imposed on consumers.


A Fraud Scheme provided by FBI

A Fraud Scheme provided by FBI (Photo credit: Wikipedia)

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