6 Easy Steps to help resist the fraudsters
Tips The Financial Environment / / December 19, 2019
Banner on the Internet invites to invest in cryptocurrency income and promises 500% per annum. You come SMS from the mobile operator that you have won the lottery. The WhatsApp give a coupon for 3000 rubles on the occasion of "discovery" of the store, and Viber "tax" says that you expect a deduction in the amount of 100 thousand rubles. To get money, you need only click on the link, enter your details and pay a fee ...
Sounds great, but no one gives out money just like that. Promises windfall, winnings or prizes Scams to make you poorer and themselves - richer. They know, how to cheat youAnd every year the fraud techniques becoming virtuosity.
Pyramid schemes - one of the most dangerous for your wallet methods of fraud. They offer to invest under the ultra-high interest and promise a guaranteed rate of return, which is prohibitedOn the "financial pyramids". in the securities market. In this case, such organizations do not have a license of the Bank of Russia and the obligations to depositors: print or recover the lost money will not work even with the help of the court.
Offers of financial pyramids appear very favorable, and we want to invest.
For example, such companies offer to invest in the start-up, or share cryptocurrency under 600% per annum. Or become a bank for entrepreneurs and lend money at interest. The yield even at 30-50% per annum looks tempting but unrealistic.
In early November, it announced the closure of the company "Keshberi", which the central bank has calledCentral Bank revealed a large pyramid scheme. pyramid scheme. Company, which operated without a license from the Bank of Russia, touting bloggers, stars of Russian pop and media, and now she has to depositors 3 millirda rubles.
It seems that you it never touches, but statistics say otherwise: one of four Russians at least once caughtA quarter of Russians became victims of extortion. to scam tricks. 72% of the population can notAnalytical Center NAFI: 72% of Russians were unable to recognize a financial pyramid. recognize a financial pyramid. And approximately every three minutes becomes a victim of fraudProsecutor General's Office called the fraud one of the most common types of crime. one more person. But if you know how to deceive criminals can resist them.
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How not lead to deception
Fraudsters adapt quickly and come up with new ways to circle around your finger. Sometimes it is difficult to distinguish profitable contribution from a financial pyramid. To resist temptation, not necessarily be aware of all fraudulent schemes. There are simple techniques that seem banal, but still working. And that's why.
1. take a break
Offers fraudsters always promise great benefit: the yield of 300%, the gain of 1 million rubles, iPhone at half price, fast money on the Internet. No matter how rational and educated we are, we want to click on the message.
This is because our brain is so constituted. Decision-making in it corresponds to two systems: the emotional and the rational. The emotional system is faster than the rational. Several thousand years ago, she helped us to escape from predators and survive in the wild world.
Since then, the brain is no updated and emotional system works the same way. When we are asked to put money at 265% per annum, she tells us, "to invest, what to think! Where you will find a more?! "She wants to get an instant benefit, and it does not care, that it may be a hoax.
In this play, and the fraudsters one of the main techniques - to rush the person and not to give time to think. For example, to convince urgently invest in a pyramid, to get more dividends at the expense of new entrants. And Avito you may be asked to make a prepayment, because the iPhone alone and wanting a lot. But if you hurry - you will lose money.
2. informed decisions
Once you have taken a pause, turn on the rational system of the brain. It is able to assess the situation and make the right decision. To help her, gather information and evaluate the pros and cons. For example, if you want to invest in "a highly profitable business under 265% per annum", read reviews on the Internet and look for information about the organization on Online Russian Bank. Call a friend who understands the issue, and ask for advice.
Sometimes that scammers submitted banks, employers, public authorities (taxation, central bank, an insurance company), your friends in social networks and ask to transfer money under various pretexts. For example, pay a fee, lend, transfer money for treatment resume, recover accidentally listed the means of the map. Never settle immediately - take a break to check the details and consider the decision.
3. Ask questions
You can push and make a decision. Do not give in to emotions and ask clarifying questions. They scare the fraudster or put it to a standstill.
If you offer to buy shares with a guaranteed income and a promise to invest in gold mining, ask, due to which will provide income. What are the risks you carry? It will insure your contribution and for what amount? Are there any required licenses and documents? Do cheaters no clear answers or documents. All this - clear signs of financial pyramids.
Clarifying questions can be asked, and to myself, "Why am I selling the new iPhone for half the price? What happens if it turns out wrong? "Be meticulous and imagine what would happen if you lose your money.
4. eat sweets
Brain to think and not make impulsive decisions, it needs energy. Its main source - glucose. Therefore, when they took a break, eat or drink something that contains fast carbohydrates. Chocolate, biscuits, or a burger shawarma - that you love more. So the body will go the necessary energy, and you can avoid impulsive actions.
5. Relax
We commit foolishness, when tired, want to sleep or a few drinks. In such circumstances, self-control level below the body is under stress and simplifies internal issues. Instead of thinking, "Hmm, cheaper iPhone is not sold for a reason.! It is either a fake or hoax "- we thought," Wow! What a luck!".
Therefore questionable deals and suspicious SMS often come in the evening, at the end of the working day. If you want to take the win in the lottery, buy a car two times cheaper than market value, or invest in high-yield mutual fund, put it on tomorrow. The morning is wiser than the evening.
6. Based on their needs
Discounts and easy money - it's great, but you need to make a decision based on their needs. Ask yourself these questions:
- Do you really want to invest or leads to extremely profitable conditions?
- Do you have spare money to invest?
- You were going to make such investments in the near future?
Most likely, you answer "no" to all three, and you will realize that you want to give money under the influence of emotions.
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