How to recognize the financial pyramid?

For decades, victims of pyramid schemes, thousands of people. Each time the scammers come up with new and new types of fraud schemes. It would seem that in the information age, humanity will not be deceived. Far from it, the thirst for easy money is still ravaging wallets of many Russians. Since the beginning of the 90th in the country were identified 518 of the pyramids. Their organizers were able to fool around 400 thousand citizens of more than 50 billion rubles. "Hoper-Invest", "MMM", "Lord, Garant Invest," Ruby "," Tibet "- these companies will long be remembered for many Russians. And how many are there each year - almost without number. Pestryaev advertising with the promise to multiply the money invested in several times, "unique products", the purchase of which will get rich quickly - the perpetrators are always aware of what to draw next customer. This kind of companies emerged in the early last century, but today they are working on long-established pattern. So, any financial pyramid exists due to the constant influx of funds and attract new members. That is the incoming money is not invested in other projects, but merely redistributed among the participants of the pyramid. For example, the contribution that made the new party is divided between those who brought him, etc. Themselves as money, by definition, does not get more. It is obvious that sooner or later, this mechanism can only lead to one thing: to bankruptcy. Types of financial pyramids Today experts identify several types of financial pyramids. Multi-level pyramid This scheme is intended that the novice makes the first payment, which is divided between the parties, invited him, and those who are invited to invite. In turn, a new member to invite other people, which is also part of the contribution will go to the beginner. The result is a multilevel interdependence. In order to maintain the existence of a pyramid, it is necessary to ensure a constant influx of new people that is impossible in principle. Similarly, the company acted "Lord", proposed in 1994 car for only half price. First, a potential car owner to make contributions that were distributed among the participants that have made it earlier. The following parties must ensure that the preceding vehicle. Eventually, the pyramid collapsed, and many investors were not only without a car, but the money invested. Pyramid Ponzi pyramid This name was in honor of its organizer, Charles Ponzi, who attracted customers high and secure incomes. Participants do not need to invite other people, they would have to wait only a short period, after which their contribution has increased in size. Typically, the first clients to receive the promised money, and the remaining "buy" on the rumors. It is for such a scheme worked all known "MMM" and many others. other domestic financial pyramid. Characteristic features sometimes even experienced professionals can not distinguish between legal structure of the financial pyramid. Legally, they are made quite well, and on any other options for them not to carp. Yet financial pyramid has its own distinctive features. - Participation in the gray scheme always assumes the first payment. Typically, this is an insignificant amount, which could attract the masses - The company is not known on the market, and its organizers and coordinators remain anonymous - Information on the activities of the organization there is also no office, the official registration and license - Depositors are guaranteed high interest rates, exceeding 20% ??per annum - Organization is not involved in selection of clients, and her party could be anyone. Today, pyramid schemes continue to operate. Of course, many of them have ceased to exist, but the market there are more and more new players. Natural result of their work is bankrupt and as a consequence, the loss of investors' money. According to statistics, since the collapse of the pyramid only 10-15% of the investors can recover investment. How can avoid such an outcome and not become a victim of another financial bubble? Perhaps the advice here is one: carefully check those you trust your own money. Not worth believing dubious companies and "buy" on the overly attractive offers. After all, free cheese is only in a mousetrap.