Stock Scams That Madoff With Your Money!

By William R. Wiedow Ph.D.

It seems true to say, Barnard Madoff is the new Charles Ponzi. Investors put much faith in Madoff and considering the current state of things in the fanancial markets, it is a real shame that this man could betray so many good investors! At this point Madoff Type Stock Scams have really impacted countless people around the globe.

Mr. Madoff used to be a highly respected financier and former chairman of the NASDAQ. He recently admitted to administrating a ponzi stock scam that cost innocent investors over 50 Billion Dollars!

This is the sort of corruption that has ruined Wallstreet and Mainstreet! But for all the investors in the future let this be a text book lesson! We must learn from these kinds of scams in order to avoid this same type of horrible financial lost in the years to come.

You can think of Charles Ponzi in 1920 and Benard Madoff in 2009 and really what they did was the same thing. They both started an Illegal Pyramid to bilk later investors, I say later investors because even an illegal pyramid scheme makes great money for early investors. These early investors are used as unwitting salesman to sucker in later investors and the sales tool they use is their Ponzi/Madoff Easy Money!

Barnard Madoff's Empire like Charles Ponzi's Empire before him had a destiny of failure and an a appointment with the Big House. But at this point there is much to learn from these two scam artist, and we better take the time to learn because if we don't, guys like these could make all stock investors pennyless!

First of all, it is always important to diversify when investing. Madoff Type Stock Scams thrive on ignorant investors. Make sure to put your funds in a variety of investments. It is too risky to put every dollar of your financial assets into just one. Another tip is to avoid investments that look too good to be true.

Looking back on Madoff and his years of paper trail scaming, it seem impossible that anyone in their right mind could fall for this con artist! The stock market went up some years and Madoff made investors money and the stock market went down some years and Madoff made investors money? it's just a Fantastical Investor Fantasy! Not to say you can't make money in Bull and Bear markets, but it takes real investor savvy the kind that Madoff did not have one iota of. He just had the con artist savvy to relieve people of their money.

We pay taxes to support services to help us and some tax money goes to The SEC. But in The Madoff Affair The SEC did next to nothing? We all know YOU ARE TAKING A RISK WHEN YOU INVEST and this risk should be under the umbrella of The SEC, but it certainly was not in The Madoff Affair. Madoff scamed large banks savvy stock brokers, people with MBA's and more, so if you were just a Madoff average investor I would not feel too bad because Mr. Madoff got the best of them. Of course if you were a Madoff Victim there is a great website you can go to for help: bernardmadoffvictims.com

We just can't get away from the fact that we all get defrauded sometimes and for the individual investor it would be safer to stay away from risky Hedge Funds and stick with Mutual Funds, Bank CD's, Gold or Silver. This may not make you a smarter investor, but at worse you would have a better chance of retaining your investment captial. This year of 2009 being what it is you may just want to leave most of your cash in the bank. (c) 2009 William R. Wiedow Ph.D. - 23217

About the Author:

William R. Wiedow Ph.D. Has had 25 years of experence as a Stock Broker Day Trader and Private Stock/Futures Newsletter Writer. Dr.Wiedow has had a life long fixation for uncovering business and investing scams using his contacts in over 34 countries. His insightfull articles on business and investing can be found at:Madoffthenewponzi

Choosing Between Secured and Unsecured Loans

By Rhonda Brown

They say that all men are born equal, but this is not true when it comes to finances. The fact is that a person's inherited family background, responsibilities, circumstances, and other factors, shore up and determine one's financial status. When there is a gross disparity between the income and the expenses in a person's life, they are forced to prioritize and there are circumstances when they are forced to borrow.

There are certain other purposes for which also people go in for loans. For instance, people who want to extend their homes, who want to go on an adventurous holiday tour, or who want to judiciously amalgamate all their loans into a single liability - all these people also shop around for loans.

There are two types of loans. One is secured and the other - unsecured. In a secured loan, the borrower is expected to give an asset as a collateral for the loan. The asset may be a home, a car, stocks or any other high-value item. If there is a failure in repayment of the loan, the lender has the right to sell the asset and that's how they will recover their dues.

Secured loans are safe for the lender because they have the asset as collateral for backing up the money lent. For the borrower, the advantages are that the rate of interest is cheap, the amount of money got as a loan is relatively high and the repayment period is also reasonably long. Even if the borrower has a poor track-record for credits, the lender may decide to approve the loan since the asset is there as a back-up.

In the case of an unsecured loan, the lender does not insist on any asset to back up the loan. He or she considers the track-record of the borrower and assess his credit-worthiness. Based on this assessment, the amount of the loan and the rates of interest are determined. But the lender will always have a recovery plan to recover the loan in case of default by the borrower. This recovery plan could be asking for a guarantor to sign the required documents to the effect that in case of defaults by the borrower, the guarantor is liable to repay the loan. In the case of an unsecured loan - the amount lent is also much less than in the case of a secured loan, and the repayment period will also be shorter.

The borrower need not possess any asset for taking the loan in the case of an unsecured loan. Hence there is no fear of losing any asset in case he or she fails to repay, though they may face a civil suit for this failure. They can plan their income and expenses in such a manner so that they pay back the loan smoothly because of the short duration of repayment in the case of an unsecured loan.

Sometimes, loans are raised to kick-start the borrower's business or for expansion of business. Other loans must be treated as temporary bail-outs. They are only quick-fix solutions. Borrowers should not get swayed by the availability of loans and become habitual borrowers.

Loans should be the last resort for people because usually lenders are very strict. Only in compelling circumstances, one should go in for loans. But if such a dire necessity arises, one should have perfect and unfailing plans to repay the loans. - 23217

About the Author:

You'll never have to worry about loans deals again! Visit us on the web at 40000 Loan to learn more.

How can you the home - owner avoid forclosure and save your house?

By Juniper Jenkins

Can foreclosure be avoided? For many individuals, the worst something that can happen to them is foreclosure on the house that they keep dreamt about all their lives. But, there are things that you can do to save yourself this painful experience even if you are in the midst of it. Foreclosure is the bank foreclosing or fascinating back your home and property due to need of payment. For many mortals, foreclosure is an event that just hurts.

For those who are in foreclosure now, you could be facing the truth that you may just never earn out of it. But, during every stage of foreclosure, you obtain the opportunity to salary up. If you can not do this, possibly you own taken on too much of an investment. In any circumstances, recipience out of it bequeath be hard, but it can be done.

It is important to bulletin that banks are not in the business of owning homes. They wittily want to make the money off the wellbeing you pay in the mortgage loan you take out. While this may not seem of priority, it really is. The banks cede often do everything they can to keep you out of foreclosure as well. So, if you are in the case where you can not afford a price that month, name the bank and see what they can do for you.

Foreclosure is a serious device. Do not take it lightly. If you foreclose on a home, you will quite wreck your presume. There is tidily zero that you can do worse for it. If you are in the position that you no longer can afford your home, take the opportunity to sell it boon. At least you leave hold cleared your debt in a good way and left your credit in understanding. If you are currently in foreclosure, you need to take steps to secure the amend attorney to support you through it. - 23217

About the Author:

This article has been written for the residents of eugene oregon interested in finding deals on real estate eugene oregon from Iverson and Company eugene oregon

What Is the South African Krugerrand Mini Gold Coin - Should I Buy It?

By Christina Goldman

Is the South African Krugerrand Mini Gold Coin is an authentic gold bullion coin? It is similar to the very popular South African Krugerrand gold bullion coin but perhaps it is a ripoff of the very popular South African Krugerrand Gold Coin?

You are still sane so don't worry. What you have just encountered are authentic reproductions of the bigger Krugerrand gold bullion coins. What makes them extraordinarily appealing to collectors and stockholders as well are its practical renditions of the much costly version.

Since gold is once more climbing to levels that haven't ever been experienced before, taking the South African Krugerrand Mini Gold Coin and adding it to the list in your investment portfolio would be a great move. And why is that? You see the mini gold coins have a weight of an approximated .50 grams. It has a 10mm approximated size in diameter.

It gets better when you find out that their composition rates really varies from 6K to as high as the original 22K. If you have plans on acquiring some, it is best to follow the golden rule in buying by the volume. The more pieces you buy, the lower the pricetag goes right?

Keep in mind that you may have stumbled upon a good deal in the internet but be careful with its veracity. There are no silver Krugerrands in the market. Don't let these people trick you into purchasing these products. It is best to educated yourself on the coin's identity like for the ounce mini; it has 150 reeds ; 140 for the and 1/10 ounces.

Before you bring the gold coins home to show to your family, it might be best to do your own research first to make certain you are bringing home pieces of the South African Krugerrand Mini Gold Coin and not gold covered chocolate mini coins. - 23217

About the Author:

You can find wonderful prices and selection on the unique 2005 South African Krugerrand .5g Mini Gold Coin at: http://GoldKrugerrand.net

How To Get Started On Your Search For The Best Home

By Alexandria P. Anderson

When you've decided to take the plunge and purchase your new home, you can take the lead on the process by searching through listings online. The Internet offers a wealth of resources to make your home search very simple, and you can filter out listings to find all of the features and amenities you want within minutes.

Defining exactly what you want is another advantage that can be provided by online real estate listings. Most of the time, people are bothered by the fact that they are not sure what home styles or designs they want, but it may help you in determining what you need when you browse the Internet for online catalogues. First time homebuyers may begin their search by using accredited online listing services like Realtor.com, according to the authors of 'Questions Every First-Time Home Buyer Should Ask'. Narrowing down your search is easier since these websites have complete listings of neighborhoods and homes with pictures, video presentations, and many other visual aids.

Almost all the data you need about these homes are present as you do a basic search in the Internet which can be printed for reference purposes. Coldwell Banker, Re/MAX, and Century 21 are just some of the best websites in home buying typically managed by leading national chains; you can bookmark said sites as valuable sources. Likewise, a real estate professional can assist you in your quest so start looking for individual offices with databases on listings or contact information on realtors that are regularly updated so you can network with one.

Moreover, online resources like Realestate.com has up to date MLS listings and provides street views of homes. Listings can be located by city and state, zip code or MLS number. If you need more data on home sales prices, crime rate, commuting, or weather in your desired location - you can check their 'Local Community Information' bulletin.

Aside from the ease in search that these websites offer, you can be updated with the latest online listings and can even compare home values. All the information you can get in your search are great tools as you prepare approaching a real estate agent. Real estate listings are likewise found in your local library. These libraries more often than not, have online equivalent of its resources that you can take advantage of. But it it does not have one, you can allot some time in searching at their in-house database. If there is one limitation that these local libraries have, it's that their listings may not be regularly updated.

Despite the fact that the Internet or online resources have become a big help in home searching, you still need the assistance of a real estate agent when actual visit to the property commences. Drilling down local listings and defining your home preference according to your style and personality are major benefits in using online searches. And finally, you can benefit from all these if you use regularly updated resources in your searches. - 23217

About the Author:

About the Author: Alexandria P. Anderson is a Twin Cities real estate agent that helps people to find and purchase homes in the twin cities of Minneapolis and St. Paul, Minnesota.