How to avoid investment fraud

What does investment fraud mean, and how can you protect yourself against it?

Investment fraud is when a broker abuses his or her authority over your money and uses it for purposes that are not in your best interest. In theory, this isn’t supposed to happen. Brokers are tasked with doing what is best for you and your financial interests. They are supposed to think only of how to maximize your gains and still keep your money secure.

In the real world, this often does not happen. Instead, brokers may push your money into particular stocks or bonds that benefit them or other clients more than you. If they do this without clearly explaining the fact to you, they are committing fraud.

But how do you protect against such things?

The best course to follow if you are trying to be proactive and can afford it is always to diversify. Don’t trust all your money to one broker. Put money aside in several areas, including some in savings, some in bonds, and some in annuities, so that even in the case of extremely poor management, you’ll still have a significant portion of your money left.

The next major point is to educate yourself. Although it may be asking too much to become a financial expert, find out enough to be able to keep up with the terms and the logic of your broker’s decisions. The better you can understand what is happening, the better you can guard against mismanagement.

It’s worth point out that this is only an option if your broker lost your money through fraud or criminal mismanagement. It is entirely possible for a broker to mismanage your funds, lose your money, and to have done nothing wrong in the eyes of the law. Bad investments are possible for anyone to make. Even great investors make them sometimes. If your broker made a few bad choices honestly, you might have a very little case.

However, if your broker either showed purpose in misusing your funds (particularly without your approval) or else showed negligence in how they protected against your losses, you may have a case to make, and may be able to recover something of what is lost.

The financial industry is an incredibly powerful way to make money, and one that all are encouraged to be involved in, but only up to a point. Just as the market can make you a fortune or a comfortable retirement, it can lose those things as well. The better you follow the steps above, the better chance you have of walking away like a prince when you pull your money out, and the better chance you have of avoiding becoming a pauper due to fraud or negligence.

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What Constitutes Wrongful Death?

In the aftermath of the recent tragedy in Charlottesville, many are troubled and hope for justice, both for Heather Heyer and the driver, James Fields. An important question, however, is: justice for what? James Fields actions can be classified as many different crimes. Officially, he has been charged with second-degree murder, but his actions might also be classified as manslaughter or wrongful death. What is the difference between these terms? Can Heather Heyer’s death be legally considered wrongful? In this article, we will explore the concept of wrongful death, some examples of it and what that might mean for you if you find yourself amidst a wrongful death case.

“Wrongful Death” can be applied to any case in which one person’s negligence and/or intention wholly or partially caused the death of another. There are four requirements that must typically be met for a wrongful death case:

  1. A death
  2. The death was caused by another person, with or without intent
  3. The dead person is survived by family or children
  4. The decedent’s estate must have a representative

If all of these conditions are met, there is a case to be made for wrongful death.

It is important to note that a person can be charged with both “murder” and “wrongful death.” The distinction between the two is that one, “murder” is the term used for criminal suits taken against individuals by the state. The other, “wrongful death,” is used in civil suits taken against individuals by other individuals or estates. Wrongful death cases might result in some financial reparations, but criminal punishments are only present in criminal trials. It is also important to note that since each charge is pursued in a different trial, it is possible that someone who is charged with both, might only be found guilty of one or the other. A stark example of this happening is OJ Simpson, who was found guilty of wrongful death but not of murder.

If wrongful death is a civil case, what are types of punishments can it justify? There are two categories of losses for which someone might be awarded following a wrongful death. In the first category, there are losses that the deceased might’ve earned from the cause of their death until the moment of their death. In the second category, there are losses that the deceased’s loved ones might’ve earned if they hadn’t had the emotional and financial turmoil related to the wrongful death. There are appropriate compensations for each of these categories that can be distributed amongst the deceased’s spouses, children, and even parents. Furthermore, depending on the circumstances of the death, a court may choose to take additional punitive measures against the defendant ranging from rehab to house arrest.

If someone close to you has been the victim of a wrongful death and you have suffered in any way because of it, you might be eligible for legal recourse. To be certain, you should contact an Indianapolis wrongful death attorney to discuss your options.

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Sexual Harassment

Sexual harassment is demeaning and derogatory. It robs a person of their agency and the perpetrators should have to face the consequences of their actions. New York State and city law as well as federal law prohibit employers from sexually harassing their employees in any way. The harassment includes:

  • Inappropriate touching
  • Making sexually suggestive comments or innuendos about another person
  • Grabbing, groping, and generally invading personal space
  • Inappropriate comments about a person’s clothing
  • Abusive and obscene comments about a person’s sexuality or gender
  • Quid pro quo

New York City sexual harassment lawyers encourage victims of any form of sexual harassment to come forward and file a lawsuit against their harasser. Leaving this unaddressed could lead to much worse situations for the victim and possibly for more victims is the harasser is not held accountable for their crude, disgusting behavior.

Addressing the problem is the first step to ridding workplaces of sexual harassment. If the victim felt uncomfortable enough to leave their workplace because of how hostile their abuser made their environment, they may have the opportunity to file a sexual harassment lawsuit and get the justice they deserve.

These actions may have developed over time- the abuser may have worsened their behavior gradually so that the victim may not even notice the harassment is happening. If their behavior matches the above-mentioned points, they are sexually harassing a victim and that is not tolerable. Speaking out against this violence is the right thing to do. Support the victims of sexual harassment and hold the perpetrators responsible.

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Possible Fatal Mistakes Distracted Driving can Cause

During the first quarter of 2014, the National Highway Traffic Safety Administration (NHTSA) recorded 6,800 fatal car crashes all across the U.S. Though this count was 4.9 percent lower than the count during the same quarter of the previous year, 7,150 fatalities, it was still a big number, considering the fact that car accidents are totally preventable; the only thing necessary is that drivers observe proper road behavior road and traffic safety rules.

The possible consequences of a car accident include bruises, lacerations, injury to the neck, head or spinal column, amputated limb, bone fracture, painful and sore chest, neck, legs, arms and back, or untimely death. The most common causes of these accidents are driving while intoxicated (DWI) or driving under the influence (DUI), driving beyond the speed limit and distracted driving – bad road behavior or driver errors which cause more than 90% of all road crashes.  

For many years, the NHTSA has identified alcohol-impaired driving as the leading cause of car crashes. Recently, however, another cause has become more prevalent, one that even the most careful of drivers can be guilty of: distracted driving.  

Distracted driving refers to any form of activity that takes a driver’s attention away from the primary task of driving. Based on the list posted in the website of the Law Offices of Ronald J. Resmini, LTD., of driving distractions include, but are not limited to:

  • Rubbernecking (looking at roadside events or accidents)
  • Adjusting the radio
  • Choosing or inserting CD
  • Eating or drinking
  • Grooming, for example brushing hair or applying makeup
  • Setting the GPS
  • Reading
  • Consulting a map or written directions
  • Disciplining children
  • Unrestrained pets
  • Reaching for fallen objects
  • Talking to passengers, and
  • Talking on a cell phone and texting, which are today’s most dangerous form of distraction while behind the wheel

Any form of distraction while driving at a high speed, even for just a couple of seconds, may cause a driver to:

  • Drift out of the proper lane and into the path of an oncoming car traveling in the opposite direction
  • Fail to signal lane changes or turns
  • Change lanes without checking blind spots
  • Turn the wrong way onto a one way street
  • Enter a highway ramp in the wrong direction
  • Disregard a traffic signal
  • Fail to notice a bicyclist or pedestrian on or near the road

Anyone, including experienced and the most careful drivers, can be distracted while driving; however, the ones most prone to this bad driving behavior are young drivers, particularly those aged between 18 and 25.

An article posted on a website found at, says that cars and vehicles are a valuable asset for independent individuals. However, car accidents happen far too frequently, resulting in lost wages, and even death or serious injury. When a car accident is the fault of one specific party, it is greatly unfair to expect the innocent party to waste their time and resources dealing with the situation, especially in the event of a wrongful death. This is why it would be wise for any individual to learn about his/her legal rights in the event that he/she gets injured in an accident due to someone else’s fault.



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Running Through Red Lights and Car Accidents

Traffic rules are enforced to ensure the safety of everybody on the road, and traffic lights are no exception to this. There are instances where traffic lights can play a major role in traffic accidents, such as when they are malfunctioning, but there are also instances where reckless motorists run through red lights deliberately, causing accidents that could have been easily prevented.

According to the website of Goings Law Firm, LLC, victims of car accidents that have been caused by someone else may have legal options to take, such as getting compensation from the damages.

Possible Damages

Injuries: Car accidents, particularly those that involve huge amounts of force, can cause injuries, particularly in the head, neck, back, and chest areas. The worst injuries include brain trauma, whiplash, and spinal cord damage.

Medical Costs: Sometimes, the extent of the injuries does not matter, because you will most likely go to a trauma center as a safety precaution. This will not come without medical costs, which can easily reach hundreds or even thousands of dollars, depending on the sustained injuries.

Vehicle Damages: Low impact accidents may give little damage to your car, but high impact ones can wreck your car into oblivion. Whatever force is involved, it doesn’t change the fact that your vehicle has been damaged and will be needing repairs or replacements.

Other Causes of Red Light Accidents

Though many red-light accidents are caused by negligent drivers who intentionally run through red lights, there are some that are caused by innocent mistakes.

Low Visibility: There are times where traffic lights are hard to discern because of conditions that may affect visibility, such as fogs and winds. There are also times where traffic signs are newly installed on familiar roads and those who frequently cross those roads did not see the newly installed signs.

Limit Line: There is a painted line on the road to mark where vehicles should stop during a stop light or a stop sign, but there are occasions where these lines are hard to see, like when they are already faded due to the lack of maintenance.

Turning Issue: There are some jurisdictions where vehicles can make a left or right turn even on a red light, but there may be instances where these turning issues become catalysts to accidents because of misunderstandings.

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