UBS Puerto Rico Securities Fraud

Investing in your future is critical. There are a lot of things that we need to have money for later in life including a home, our children, their college education, and our retirement. A lot of people find it difficult to invest because the stock market is confusing, and saving money in a bank account doesn’t do anything for you. Additionally, a lot of people are worried to put their trust into financial advisors because of all of the scams and investment fraud cases that have been coming up. Recently there has been a lot of news swirling around the UBS Puerto Rico municipal bonds hedge funds.  Many investors are at high risk of losing their money in this case.

losing money with investmentsYour money and your savings are significant to you, and you do not want to see all of your hard-earned cash disappear quickly due to ill-advised investments. The problem is that if you choose to invest on your own, you could end up losing all of the money anyway because you are not knowledgeable about the financial markets. So what is the best way to invest your money without becoming a victim of securities or investment fraud?

The best way to invest your money is still to hand it off to someone else to invest for you. There are professional financial advisors for a reason, and it is a good move to let them do your investing. These professionals spend their entire day researching investments and making sure that they know everything there is to know about the financial world. Unfortunately, some of these financial firms use their knowledge to take advantage of you and get huge financial gains for themselves at your expense. To protect yourself from these criminals, you must take some precautions:

1.    Do some research of your own. Obviously you do not have time to do as much research as your advisors but look into the stocks and securities that your advisors suggest. If something seems off, then tell them that you would rather invest somewhere else.
2.    Aside from doing research on specific investments, you should also do research on your financial analyst. Look into his past to see if he has been accused of financial fraud before. Look up his work history to see how loyal he is. There are specific websites that help you look into a broker’s history and do a broker check.
3.    If you think you could be a victim of securities fraud, look into hiring an investment lawyer. These attorneys can help you take action against fraudulent financial advisors to get your money back.

Why We Gamble With Our Decisions

gamblerDo you get behind the wheel after having a few drinks? Do you gamble on sports or at the casino, or hook up with strangers frequently? It’s not just a habit. It’s can be a destructive decision-making process.

Christine lives for excitement. She passes away of monotony when life comes to be as well predictable. She has a vast circle of friends, however, no tolerance for dullards. She such as meeting amazing new people, even if she knows that they are unstable. She smokes tobacco and also marijuana and also drinks hard– and also events significantly on weekend breaks with cocaine as well as Ecstasy, or any new medicine that shows up on the scene. She downplays going to bed with somebody she just fulfilled, without obtaining character references or condoms. She has a Porsche that she drives … quick. She additionally wants to bet at the gambling establishment– typically shedding more than she can manage.

Christine’s actions include several sort of risk. In the long-term, one of the most hazardous of her activities is smoking as well as drinking. There are almost 80 times as numerous deaths each year from tobacco as well as alcohol as from cocaine and also heroin. However,Christine believes just of today’s satisfactions, not their linked risks.

Christine is a fictitious character, yet she stands for a kind of general risk-taker, one whose habits involves many different activities. Such broad-spectrum risk-takers not just already exist, I have uncovered, however, have a unique character make-up that is the item of both genes as well as experience. It is essential to identify such individuals because they create considerable public health problems, for others as well as themselves. But for all the threat they put themselves in, they personify– possibly amplify is much more specific– a human trait that is significantly responsible for our survival as varieties.

Over the years, I have researched a personality trait called sensation-seeking– the search of a novel, intense and also complicated feelings and also experiences, and also the determination to take risks for such experience.

Risk-taking is not the main point of sensation-seeking actions; it is merely the rate such people pay for a certain type of tasks that please their requirement for uniqueness, adjustment as well as enjoyment. As a matter of fact, numerous of the many things that high sensation-seekers do are not at all high-risk. They appreciate high-intensity rock music, view sex as well as horror films, travel to unique locations, as well as celebration without medicines.

Sensation-seeking can additionally encompass the physical, involving uncommon or severe sports such as skydiving, hang sliding, diving, auto racing, rock climbing as well as whitewater kayaking. A passion in participating in such sporting activities describes one subcategory of sensation-seeking: thrill- and adventure-seeking.

There are other kinds of sensation-seeking that are revealed not with bodily action yet through the spreading off of restraints in a social setup (disinhibition), through deviant way of livings (experience-seeking), and via the pursuit of modification for change’s purpose (monotony sensitivity). This variety of sensation-seeking has been connected to such risky activities as smoking cigarettes, alcohol, medications, dangerous sex, negligent driving and also gambling.

Some psychologists have recommended that risk-taking is linked to neuroticism, a personality type. They see it as an expression of the unstable problem, a impersonating or counter-phobic behavior. Our previous research on bodily risk-taking quashes such an explanation; it suggests that risk-takers do not expressly display qualities of neuroticism or anxiousness.

It has likewise been recommended that high-risk actions like careless driving, and anti-social task if ever there was one, are an automobile for sharing aggression and also hostility. Or perhaps risk-taking may be just an expression of a generalized need for the task itself, as is the case with hyper people, that give their stimulation through the task to get rid of monotony.

Lots of risky activities, such as drinking and drug use, are done in a social setting. So it is possible that these activities, specifically in a university population, might be connected to sociability. In a research study, my coworkers as well as I checked out university student, several of whom were currently participating in some or all six type of high-risk activities: smoking, consuming, medicines, sex-related actions, careless driving and betting. We tried to answer two inquiries: Exists indeed something as a generalized risk-taking propensity, as our earlier research studies had suggested, and also if so, what sort of personality type are connected with this propensity?

Our forecast was that many or all the kinds of high-risk activities would be associated with spontaneous sensation-seeking. We additionally took a look at the part of neuroticism-anxiety, aggression-hostility, sociability and also the task.

We determined these characteristics are making use of the Zuckerman-Kuhlman Personality Questionnaire (ZKPQ), a five-factor personality test that I established with my associates.

We likewise analyzed smoking, consuming, drug use, sex, driving as well as gambling on different risk-taking scales related to each certain kind of dangerous habits. The driving-risk scale inquired about normal driving fasts, response to traffic signals and adhering to ranges at high speeds, to name a few factors. To examine high-risk sexual behavior, we asked about the number of sexual companions and whether a prophylactic is used, as well as if so, just how continually.

The very first inquiry we looked for to respond to was whether the six arenas of danger are interrelated, indicating a concept of generalized risk-taking.

As it ended up, smoking cigarettes, drinking, sex and medications work in tandem with each other. Amongst both males as well as girls, pupils who did one tended to do the others. (We understand from various other studies that they also listen to rock-and-roll.).

Negligent driving, however, was connected to just one various another field of danger: alcohol. However, this connection is usually lethal.

Among men, gaming was related to drinking and sex. But amongst ladies, it was not connected to any other type of risk-taking.

With the single exemption of gaming among women, we felt warranted in calculating a generalized risk-taking rating based on all six kinds of risk-taking. On the basis of their total risk-taking score, we separated the participants right into high, medium as well as reduced risk-takers and contrasted these three groups on the five individuality scales in the ZKPQ.

The outcomes were comparable for both men and women. The high risk-takers scored high up on three of the five personality type: impulsive sensation-seeking, aggression-hostility and also sociability, verifying them one of the most prominent predictors of risk-taking personality.

Amongst the groups representing three levels of risk-taking, there were no considerable distinctions on neuroticism-anxiety or task, suggesting these traits play a trivial part in risk-taking behavior.

There were, nonetheless, remarkable web links between various other personality type as well as particular kinds of high-risk habits. Heavy alcohol was associated with all 3 of the personality traits associated with general risk-taking propensity: rash sensation-seeking, aggression-hostility as well as sociability.

However smoking and drug use past marijuana were related just to impulsive sensation-seeking and also aggressiveness. That finding is intriguing because in a previous research we discovered that the very same two characteristics were likewise greater amongst prostitutes compared to amongst a control team. The combination of rash sensation-seeking and also aggressiveness was also related to antisocial personality problem among male detainees and also to the degree of drug misuse.

A previous study has shown that making use of illegal drugs, also of cannabis, connects to a higher level of sensation-seeking than is located among those who utilize just alcoholic beverages. The step from lawful medications (tobacco and also alcoholic beverages) to prohibited ones is one taken only by the greater sensation-seekers. The illegal drugs supply even more unique as well as intense experiences as well as an encounter at the price of higher legal as well as social dangers.

In our research study, as well as in others, males verified higher risk-takers than women. They also racked up higher on impulsive sensation-seeking compared to women. When we assessed the sex difference in risk-taking, we discovered that it was totally a feature of the difference in between males and females on spontaneous sensation-seeking. This is just one of numerous pieces of evidence recommending that spontaneous sensation-seeking is a standard personality dimension.

Human beings are a risk-taking species. Our forefather Homo sapiens originated in East Africa, and also within the fairly short period of 100,000 years or a lot less top the entire world. It turns out that explosiveness might be the key to the survival of the species.

The hunting of large and risky video game by males called for a sort of thrill- as well as adventure-seeking that likewise adds to the success of the mankind. Over the centuries, guys additionally found in a fight and also battle an outlet for their need for a journey.

Mating, also, was a dangerous video game that needed risk-taking. The inherent incest taboo drove males to look for friends outside their tiny teams, often from hostile teams.

That a characteristic like sensation-seeking distinguishes our species does not suggest that people do not differ in the degree to which they have that feature. Hereditary assortment might preserve variation in a characteristic like sensation-seeking, which is most flexible when it is in the center variety: Too much risk-taking brings about an early death, inadequate to stagnancy.

Researches of the heritability of sensation-seeking in human beings have utilized classic twin-comparison approaches. Comparisons of the same and also fraternal twins in which both brother or sisters were increased in the very same families reveal that sensation-seeking is about 60 % hereditary. That is a high level of heritability for a personality type; most range from 30 % to 50 %.

A study of identical and fraternal twins divided at birth as well as taken on right into different family members revealed the very same heritability. It likewise indicated that the environmental contribution to sensation-seeking (accounting for 40 % of the characteristic, or less) is due not to the shared family members setting but to the environment beyond the house, such as friends and unintentional life encounters.

If youngsters appear like parents or brother or sisters in sensation-seeking, it is possible as a result of common genetics instead of the influence of the household. Friends and also others outside of the house may offer behavior models and also strengthen the disposition brought in the genetics.

Genes play yet another role in risk-taking: They influence two other personality traits related to general risk-taking, including the characteristics of aggression, or its obverse, agreeableness, and for sociability, the main element of extroversion.

Molecular genetic makeups have made it possible to identify major genes influencing personality as well as types of psychopathology. A group of scientists in Israel were the initial to discover an association between novelty-seeking (a trait extremely extremely associated with spontaneous sensation-seeking) and also a genetics that codes for a class of dopamine receptor, the dopamine receptor-4 (DRD4) gene.

Dopamine is an essential human brain neurotransmitter, energetic in pathways associated with the mind’s innate incentive and also enjoyment facilities. It responds to anxiety, and makes it possible for people not only to see benefits yet to act to approach them.

Two major types of the dopamine receptor-4 gene were already existing, a long and a brief version of the same base DNA series. The long form is located in a preponderance of those people who are high in uniqueness-(feeling-) looking for. The same kind of the gene is discovered in a high proportion of opiate drug addict, a high sensation-seeking team.

The gene represents just about 10 % of the genetic variance. Today that the human genome has been defined, many of the various other genetics adding to this as well as various other personality type might quickly be uncovered.

Genetics, nonetheless, do not directly make characteristics. They make proteins that form our nerves. In between a gene and a habits stand, among other points, the framework as well as the feature of the brain as well as the biochemistry of neurotransmitter systems.

The greatest risk-takers are young men in their teen years– a fact is shown in their high rates of vehicle mishaps, binge drinking, drug use as well as pathological betting. The military has always chosen younger men for soldiers, not only as a result of their physical stamina but for their determination to risk their lives in the fight.

Young men of this age are also at their top on sensation-seeking. As well as, not incredibly, they are at their top in degrees of the bodily sex hormone testosterone. Testosterone correlates particularly with the disinhibitory sorts of sensation-seeking– those related to alcohol, drugs, sex and antisocial behavior. It is also linked to typical characteristics like prominence, sociability and also a task. As testosterone levels lose, males hostile, antisocial tendencies begin to smooth. Sensation-seeking scores of guys aged 50 to 59 are half those of males aged 16 to 19.

Women additionally have testosterone, yet much less of it. Still, the bodily hormone is connected to behaviors in females much like those in men, such as assertiveness, aggressiveness as well as sexual arousal.

An additional biological correlate of sensation-seeking is the enzyme monoamine oxidase (MAO), active in the brain. Monoamine oxidase operates as a regulator, keeping neurotransmitters in equilibrium. It can likewise contribute to the sex as well as age differences in sensation-seeking and risk-taking.

A type of monoamine oxidase called type B is particularly related to sensation-seeking– and also to rule of dopamine. The web link between MAO and also dopamine is significant in light of that the dopamine-4 receptor gene has been attached to sensation-seeking, and one more dopamine receptor, D2, has actually been connected with substance abuse, a certain type of risk-taking habits.

The enzyme monoamine oxidase is reduced in high-sensation-seekers, implying an absence of a rule. What is more, levels of MAO are understood to be greater in females compared to in males, as well as MAO degrees in the human brain as well as in the blood increase with age. Further proof that MAO is associated with sensation-seeking is that low MAO levels are likewise discovered in kinds of psychopathology characterized by rash tendencies to seek immediate benefits without respect for consequences.

Sensation-seekers that are drug users have found a direct path to activate the mind’s enjoyment facilities. Others seek the same arousal via exciting stimuli and experiences. Risk is not a necessary need for sensation-seeking, although it does intensify the excitement for a high sensation-seeker.

Although risk-taking has negative facets as well as can even verify fatally, it is a favorable make as well. Without risky experiences, mankind would certainly stagnate; there would be little impetus for discovery. Risk-taking was certainly flexible in earlier hominids. The quality persists– however there is little left to discover. Exactly, what is more, job is anything however amazing for many people.

Modern life, with its safeguarded cultures and curtailment of war, has not wiped out the need for excitement. Some individuals discover it with other individuals, in partnerships and sex. Others require more of a thrill, and also go hang-gliding or bungee-jumping, although the most usual everyday outlet for sensation-seeking is negligent driving. My job has shown that people have standard demand for exhilaration– and somehow, they will satisfy it.