at night where are you and i? i'm not alone. i'll fly to you in the sky for a star high quiet sings to

the sky high quiet sings it's easy.

hello dear viewers, we are with you at night on channel one. i am mikhailkhanov, the host of podcasts easy money. i am very glad to be my guest today. legend of the national financial economic journalism, permanent editor-in-chief and founder of the finversion project, yan art yan i am very glad to see you. thanks uh. you know , here we have such chairs. everything reminds me, uh, and given the theme of the program financial pyramids fraud. this is exactly what we will talk about today about how to avoid such tricks from bad people. and it reminds me of such a scene from the permanent film echo of holmes of the russian passed. yes, only you, you know, it feels like we don’t have dr. watson

holmes, today we will be like holsa and try to teach viewers. what to do how to avoid such things uh hmm what are called tricks let's start? come on, please what's here every day, well i am at least . starts the day with the morning news. uh, i read that they fall for the tricks of scammers. not just grandparents pensioners. it would seem that people are far from financial literacy in general, but also quite professional people. well, it's even scary to say the bankers. there uh, sometimes even this financial officials, how does this happen? why, how, and let's say this to an ordinary person, but to understand that he is a scammer. i mean, these are some words. these are some phrases, stamps, these are some signs. yes, let's try to talk about this topic. here you know, judging by the reports. we don't have that numbers beat. what is called on the one hand , the latest research on the financial research agency 72% of russians, that is, the number of financial. this is the

second time. here it would seem that the talk about the scammers of the pyramids, in fact, stuffed the staple. yes, that is, everyone has already heard this. this is the second and third. this has been a trend for about two years now. that the central bank, at least with its services , says that the focus is again shifting to less technical tricks, for example, phishing yes, but a fake site, but more to social engineering methods engineer. yes, at the same time, if each of us is told about this, then we, frankly speaking , will not smile with her. what is social yes, what is it? each of us knows for sure about ourselves, well, we will not succumb, but this is not real, but this is for a fool. yes, but this is for a naive person, but at the same time this thing works somehow correctly noted with bankers officials, even you know, i remember one movie here. uh, when uh a group of very cool international hackers they tried to break into the bank for a long time and in the end they broke

in the following way. they went to the garbage heap and looked at the letters that were thrown out of the wastebaskets of this office. and on some envelope, some woman wrote down, either the password or something, they climbed through this hole, that is, but you can talk as much as you like. for a long time about cybersecurity, and the protection of bones, but it turns out that the weakest link is a person and, in fact, they put pressure on it. uh, those who are trying to take the money, of course, well, let's get started. here. uh, i uh have that habit. i tell the viewers anyway let's grab our pens and try to write. yes, to benefit from the program. here is what i imagine, how i would characterize the financial pyramid. well, first of all, yes, this is a high percentage. what does high mean is a percentage that exceeds the deposit rate, that is, there is a top deposit rate, there are three banks. well, in our case, we won’t say there, they are white. uh, green blue. yes, and red cans. here is the first one. if the rate is higher per annum. yes, it's there now there is how much 7-8%,

yes mikhail excuse me right away why? that is, if you are promised and guaranteed above. uh, there was such a general moment, in my opinion, what people are talking about there are talking about. high yield means pyramids. no , that doesn't mean we both know. well, if i tell my returns, for 19 returns, ian is guaranteed in such and such and the absence of risks is guaranteed and the guaranteed height is the highest return, if your company says, uh, you know, we have achieved in such and such a year yield, there are 40% recorded recorded the first sign when you are guaranteed a high yields do not show there is such a buzzword tracker track. a record is an a record of actually previous periods. that is , they show you what was there two or three years ago. if you show it, you don't need to show it. yes, that's the first sign. this is a guaranteed high emphasis on the word

guaranteed. they wrote down the guaranteed high profitability on the word high, the second. here, what would you call the second sign. here the lack of a license is spinning in my head, and here it is also twofold, as with the first paragraph. with on the one hand, i would advise, of course, that if you apply to a financial organization to look, they look at what kind of organization in fact, or have a license from the central bank well, for example, banks or brokerage companies, or are in the register of the central bank for example, if this is the case. well, about this one. i say against. what do you agree? with what do you want to argue with one thing is also an insufficient sign. yes, of course it's better. see if the e-cb license is included in the register, but if it is a foreign a company, and it doesn't have it doesn't mean it's a pyramid scheme, but it needs to be triple checked, because now we all know the concept of such a friendly unfriendly and one can go deep here endlessly. i know why , relatively speaking, here, uh, being a company

offshore does not mean automatic machines, what is it in a car? yes, there is a normal company offshore for the sake of tax optimization. but this is often a close sign in the car, if, for example, a certain company with which you decide to work is not in the register of the bank of russia, but you understand that this is a foreign company, but still you accept work for the sialists, but look it up in the same registers at other central banks, for example. well, for example, like say the commission on the stock market. yes, her site is even russified, because, well, cyprus is well recorded, and the third sign, er, which i have. and let's just say it is quite closely associated with the pyramids. this is when e people, a, offer a guaranteed high profitability b. eh, in every way they are silent about their affiliation. who else? uh, uh, let's just say jurisdic, fuck yeah, and uh regulator, yeah

business and the third sign is when you are actively encouraged to bring friends of acquaintances, and you are promised certain bonuses for this, moreover, the system of bonuses also existed at forex brokerage companies legally, but for about seven years regulators around the world have been fighting all sorts of . referral bonus programs - this is when let 's explain this, when you bring your friend and you are not credited to your account until the bonus from the organizer, i believe that this causes additional appetites additional pressure, and therefore, in principle , today in decent. what is called jurisdiction, including russian bonuses and referral programs are prohibited, so today they themselves are technically not a sign of a scam, but today we can say that they have remained in the financial world. only e in the assortment of the company, which at least raises big doubts. well, let's do it then. in general, as the great of the great russian people, it is all there is a saying. that is, if it looks like a cat meows, like a cat walks, like a cat, then, most likely, this is a pyramid cat - this is

a phenomenon. right now, this is a phenomenon of the beginning of the 1990s, or is it something that has come to us quite a long time ago, of course, mikhail, i would add a fourth sign, but not clearly here activity. and here is the same. activities - this is when you do not understand, so you understand that our audience accepts. what does gazprom do what does sberbank do at worst? what does channel one do, right? here is his activity, how money is formed, for example, channel one entertains people has an audience, it turns out advertising gazprom pumps gas sells gas and, uh, slurring the activity of today's modern pyramids, by the way, the old ones didn’t have it. this is a private sign. but a person, when he hears some beautiful slavs, he begins to think. no, they probably understand everything. but i don’t understand relatively speaking, they say, you know, we have crypto trading here with some personal belongings and something else, and a person is embarrassed by his ignorance, luminescent

photos or photographs. we seek dispersion, that is, money. well you know, here what you said. this is literally the explanation, the vast majority of such projects today and a person should not be shy. he must not think that he is coming. he may not be an expert on the gas industry on television, as we give examples there, and so on, but he must still understand how this works. if he does not understand, this is the fourth sign that, most likely, this is a pyramid. i here know, what i give an example. uh, great russian soviet, physicist, vandau spoke, so if a theoretical physicist cannot explain to a ten-year-old boy on his fingers, what he is doing, then he is doing nonsense on the one hand, of course, this is some kind of cunning, but on the other hand, here you are right. it’s also in this that you should roughly understand how, and you will get the money, that is , what exactly this company earns on and why everyone around them makes money, you see , here i always know how such a desire arises that guys a why are you

telling everyone about this? well calmly earn. yes, there is power. take money. loan now. there 's still something there, a bunch of pyramids. you and i saw with one high-profile story. this date is more recent when people. they talked about such a profitability and such brilliant traders that it is impossible to substantiate. why you raise money is usually justified by a financial company. how we need a lot of capital for greater work efficiency, this is logical, indeed so, but even then you don’t need anything simple for profitability. and if this is profitability, here are also those e tv viewers what called the hostess on a note. if it is profitability, if the company consistently earns that much, then it must have a lot of money, because profitability tends to be. that's about 10% of the difficulty. yes , even if you take direct interest, it's 120, but i'm not talking about difficult. and of course, accordingly, people double their capital annually even on simple interest. and if they exist, just a year , yes, that's think about it, uh,

maybe it's just a chance maybe it's just a chance win, even if it's not a scammer, yes, even if there is success, here, going back there at the very concept of the track. here, and my advice to you is a track tracker, that is, the company's financial success story. it should be at least 5 years, i can say, so when there are some specific strategies, i don’t know, or algorithmic crypto strategies or some other magical ways of making money in the markets, when western investment funds look at such geniuses. they've been there for less than 3 years, they don't even talk. and five is better. that's better than 5 years. yes, so always look. what is the story in this companies. how long has she been earning such big money. mikhail added one more thing that we have listed signs of 100% signs, perhaps the first and third, that is , a guarantee of high profitability and a bonus referral program, the second sign is the lack of a license, there are signs of indistinctness. it's not 100% yet, that it's a pyramid.

that is, maybe, you know, stupid people, maybe they develop money well, they can tell all the same, yes, this also happens and you still need to give backlash here. let's get a little let's talk about history, how long ago people learned to deceive other people in this way, yes, because the first thing that comes to my mind is this scheme of the ponians, in my opinion, this is the middle even the beginning of the last century. uh, when people actually built, because the sign of the main pyramid is the following, when the income of the participants is determined from the money that the new part brings. here actually. what is a pyramid? yes, we in the history of economic and financial know a few examples of e-projects that simply became their bubbles historically. yes they are also called pyramids. there was no malice of intent, just the projects became bubbles. even the first attempt to introduce paper money or bad. and it seemed sophia, yes, but today we use paper money and filipplo. still, it was not a swindler, but a man who

france yes. this is france, this is the internet finance of the early 18th century. the first pi so in russia, for example, this is the skopin story of a bank that raised money and really acted on the principle that you are talking about, that it issued old money out of new money. and finally, the forehead. this is a pure pyramid when the scheme initially works. so the first formal pyramid in history. this, in my opinion, is the fiftieth year of the 20th century. this is florida a glenn tarnep, nicknamed the applicant's lips, that is, a historical figure. for some reason, she is poorly known in russia. although this is precisely the symbol of the first pyramid. that's exactly what he was doing, he was selling. for example, i am the first clintoner, in my opinion, there was some indian who bought from him, he became a millionaire. i sold you the rights to distribute the rights to distribute you have the right to such things sell 10 more, well, actually in the nineties mmm, with which we are all fresh in our memory, what is called memories actually was

the best advertisement. these are people who have earned, you know, of course, and actually the first money. yes, it is clear that at some point it must end. when the flow of money paid out, that is, the so-called cashford cash flow, it becomes negative, that is , less money enters the pyramid than you are forced to pay to the participants. and at some point you say, well, that's it, it's time to leave. yes we are we close the cash register and jump off the question now , these are the pyramids that work. well , let's say so, after all, we have people who are very risky, very gambling plus, and fairy tales on which we grew up. yes, this is at the behest of the pike at my will. yes, it’s either some kind of magic egg there, or in yaga at worst, the end, when someone comes up with something everyone wants a miracle, yes, everyone wants a fairy tale, and a special confirmation of this fairy tale is people who have earned. right now, like the pyramids that modern ones work. they give the first people to earn a very important question, because when you talk about the pyramids there are always people who

understand themselves. yes, i know, i understand what it is. well, i hope to have time to jump off and earn. here, the biggest danger of the modern pyramid. let's say. well, it's already the twenties of the xxi century, well, or the last , maybe even 10 years, then i dare say the good old from the old. mmm, different. there is no earnings for the first comers. why isn't here? and, because today the pyramids have moved to the internet and several evolutionary evolutions. on what then rests on what is advertising. it’s just that now pyramids are being created around cryptocurrencies around no intelligible investment projects. yes, and today the first depositor is already giving her money, like a good old promise. first, or to be precise, you know you have 100,000,500 tokens credited to some wallet, which will get terribly rich and people do not want to lose this illusion. we we all fall, then. let's write it down, dear viewers. that is, pay attention to those of you who decided

to play the pyramids and consider yourself the most smart won't work anymore. right now you don't get the input. the very real real money, which well, with sharp exceptions. okay let's finish the story with the pyramids. and that's it, let's say a terrible thing happened, and we became victims, well, or someone became a victim. and then what, that is, there is some chance. well, at least something to return realizing that you hit. eh, in a trap. if there is no chance to stay there, there are weak nights. the first means the moment that is needed. uh, you need to file a complaint with the consumer protection and financial services of russia to try to collect a team is better than a team. and the same goes for law enforcement. and this should be, uh, duplicated actions, and not that i am either there or there, go to the bell police, and the last moment, where u depositors of a number of several hundred pyramids, but not all of them receive compensation. this is a federal fund for the protection of the rights of shareholders' depositors, created in 1995, if, of course,

i'm mistaken, by presidential decree, and even there compensation is being paid to affected depositors. several hundred, if not i’m mistaken for more than 200 russian, but pyramids, but you need to understand very well that this does not mean that there is such a system in russia , which means i will play pyramid. if anything, they will pay me there, there is a huge number and those who are not paid a drop to this fund enter early, to be honest, it ’s amazing to me that the state is still trying to pay when it manages to grab the money of the pyramid. well, purely within the framework, and let's say a police operation, then this money is coming. there you are heading. well, that is, they wrote down that the maximum the maximum number of instances. we're trying class action. e achieve in order to somehow grab to fix this money, therefore, there is one for a small one, but also you, i think it's fine. you know, the fact is that scammers have put the fight against species at their service, that is, if a person is in a situation

where a person has suffered from a pyramid, it is likely that he will fall into those who promise him, supposedly fighting the red one, and this is her double scheme , for example, used dubious forex companies, and you lost on this forex company. we will help you return the money, in fact, often it is either the same company, or the hand washes its hand, that is, we still apply only to official distances, yes, and all these supposedly knock out or money. it's just scammers gradually moving on to what we discussed before the broadcast to the concept of social engineering or engineering. that is, er, and what we basically started with. let's do it. there are scammers who are building what is called a pyramid. but there is now a huge layer of fraud. and we are talking about tens of billions of rubles, for which suffered, on which what is called deceived our fellow citizens with you, these are scammers who act on the phone, introducing themselves as e, or, you know, well

, these schemes are known, or these are prosecutor investigators, that is, security officials in the city who ask for a bribe for something what's wrong with you. some kind of terrible misfortune happened to relatives, who, i don’t know, killed, stabbed , dismembered, and so on, or they were bank security officers. yes, ah , the international association of banks of all times and peoples there, these are the words i listen to when these texts on the phone just want to cry. what powerful squeaks are there scripts - these are texts that are spoken by telephone scammers. please tell me where it came from and how people work, how he manages to earn. what's this? well, it appeared a long time ago even on aesthetically pleasing. well , at least in the version when we read or watched 12 chairs, because it was ostap who completely worked on these methods. yes, that is, the social changes described by elifa petrovna yes, it’s just that there she gives us aesthetic pleasure in welding methods moonshine, including. yes, of course, but here things are different. well, why

is it different, in principle, the same thing, right? and here they play on human weaknesses? so what are they playing? that is, it is fear fear that now you have in your car just scammers 2.0. what other scammers, supposedly they will steal your money. this fear, as a rule, is still used as with this ice cream. tell me, please, is there a way to deal with this, i don’t know. the fact is that these methods are talked about many times, but it doesn't help one bit. here my mother knows this way . here you need money, to which she replied that you have a conflict with my son. i know the nature of this jerk. i hung up the phone for you. they didn't call again. yes, firstly, well, in these classic situations there is an accident. get connected. yes, so, do you have to try to call you at 2:00 am to say that your relative's son's wife is an acquaintance, there. can, anyone, well, usually it's about children nephew got into trouble tried.

make sure that he is there at all, just in case, yes, but he is trying to get in touch on the phone that you have recorded , they are suspicious, if the call is from calm down , come to your senses, yes, if the call is from the bank, but just hmm uh, well , in general, those three letters that we need are known to our viewers. it’s just that always in all options, that is, there are options for calling from the bank, in which some information is supposedly needed from you, it simply doesn’t have such a banking technology, if it’s correct from the police, you never know the real the police will call, but it's correct that you come. come, i mean, just come here , you really shouldn’t, uh, the way is really good, because now the state is doing a lot to protect our fellow citizens of just such a fraud, because, well, i know from my own example that lay out flyers. and i, well, a professional read playlists. i didn't have a single remark with you. this is very rare. you know , my tediousness is not about style, not about format, not about

texture, and moreover, a district police officer came, yes, the district police officer came, and it was absolutely not for show that he was really ready to talk. yes? well, i said that my wife has two higher educations of the second economic me, and in general, i am me, and we will try to protect our mother, but the state is working, but in fact, dear viewer. let's write down a simple rule that i just said that i don't exist, and a situation in which they call you from the bank and ask for something, but let's say this, but do it right now on the phone , block it, and save money there and so further. that is, if uh something happened it already happened, trust me and the two main ways are the first, either you say i will come and figure it out myself and call the bank back yourself, or uh. send there interesting these moments. uh, the kind of story that almost no one makes. do you remember when there were stories? unfortunately. oh, or rather, fortunately they have very

few cards stuck in the atm. yes, it happened now with atms. in general, they almost do not. i stood and waited, yes, but the funny thing is there are emergency services, for example, payment card system. whose card, but the phone is an emergency service is written on the card , which is stuck in the people's commissariat and none of us here is wondering if you get yourself in your phone on the back of the card there is a bank hotline phone. who issued your card, do not be lazy, right now at least on a piece of paper write it down well, better on the phone, but better on the phone yes and so that you know where to call you in an emergency, because the first thing that happens at such a moment is panic. what to do how to do where i have there is a phone there is another view nearby now stands. yes, these letters are on any site, that is, from the most reputable news site. you can get to a less reputable one, because

the issue will be yes from a less reputable one. yes tabloid ak tabloid can be connected, such as porn sites as a result people get. uh, letters are often history. have you been to a porn site or to me? i saw through the camera. eh, so, as you certainly sat and watched porn, and for this case, by the way, i received such a letter, because i monitor sites a lot. yes. well, i really answered that my dear , at that age i would be happy to perform the actions that you tell me, but already sorry, but the question in this also should not be afraid to be shy. even if a person, by the way, was pressured on the site, if an adult, yes, this is in general, well, it’s normal, yes , in no case, no reactions whatsoever. you know, i can tell you. here, let's not be unfounded. and what is there to say? yes, i’ll tell you literally a story about myself

that happened a couple of weeks ago. i uh i stand in the kitchen and cook there. i don't know there. i don’t remember what i cooked there, i don’t know a duck, a goose there, but there is such a busy one and it comes to me. uh, i'm looking at recipes. i'm ready for the internet and for recipes, which is the game and comes to me. uh, actually in the telegram. yes, uh from my close very close friend vote for me and he works in a very large bank. i know all these ranking things there, please vote for me, i'm the third on the list here, and i'm all here, i'm here quickly in your hands. we need to help the person. yes, there is no such reaction, yes ask. and what is it somewhere, i click on the link, here i go and then it clicks for me that they connect the web version of my account in telegram here i clicked. i wrote what it is. here are a few he wrote to me. these are the scammers. it hacked me further. here are my actions were quick instantaneous. i immediately deleted all a-a inputs, respectively, i put

a two-factor e in my account, i managed to identify through face id. i can honestly say, because a person had hell there. yes, this is a mailing there are thousands of your friends. and they start to write to you, what is this hacking going on? that is , it’s just that the system caught so much , it didn’t have time to process mine, i managed to talk about one important thing. and i myself am. unfortunately, our compatriots, we, in principle, are not very fond of two -factor identification in everything, not only in what you are talking about, here we will tell you, what is two-factor identification, well, in the case of banks. when you enter data on the payment, wherever it is, and you have requires the bank to send you a code and you are asked to enter it in the case, for example. here in the social networks that i said, this is face id yes, i have it. that is, now i have an entrance that does not bother me, because now every time he writes to me in telegram that face id is going through, i think about it. the main thing about this scam is to brush your teeth so that you

still get to know well written in general. you know michael is a problem. i know for myself in the bank more or less, it is clear, but in all other stories. we often talk. yes ok, and so it goes. well, by and large , it's better to be a bore here and put two-factor defecation everywhere, two-factor identification is not for interest, but at times it will reduce the amount of fraud. if we talk about our topic , be it some kind of force majeure or overlays related to others. fine? we wrote down that is, but let's put it this way that we live in the age of digital technologies in the age of digitalization, and unfortunately, behind this are not only the conveniences that we are used to. yes, we do everything quickly. we get nervous when our phone does not pull up the password, we have to enter. do not be lazy, please, your financial security is behind this. and you are this way. let it take just a second, don't worry. do not save time on security, as financial did, and well

, in general, informationally there is one such problem of problems. fields on one side. any service. requires or advises us to enter eight characters here, big register here, lower here, upper here something, but since there are a lot of them in our life, then we are already swearing at these parallels and the situation turns out to be famous in a joke. yes, how did the hackers manage to break my mailbox? i have a very complex code. what was your quality? yes, the year of the sewerage of the pope and st. gregory the ninth of st. dominic - what is 1.234? here is 1 2 3 4 this is a story that people are not making out of stupidity, because i apologize to all of us, the parallels wavered, so we must i know what to do. what to do, not related to the year of your birth, not related to some figure that is easy to understand from the outside your life. we have to think of a way.

how does our brain generate more or less complex parallels from time to time, but at the same time we easily remember one more moment you touched it through, and phishing sites, that is, when you go shopping, uh, where u should not do here is the same company that they have faded into phishing sites a little. uh, what is a fish-kang site that catchers, yes , that is, they catch two layers on the hook, i explain to our viewers, it can be similar in line and by name, this is such a snag as a bank, therefore called on the hook. yes , but it is used, but it is impossible to say that this is now the main problem, because the same social engineering or the creation of all kinds of investments. you save much more on the phone, yes, than without phishing sites. now there are new tricks just recently in the federal protection fund to invest. uh, depositors and shareholders

talked about this when not phishing sites are used for fraud, but the website of the bank of russia. there are several points of several information resources inside website of russian banks which are sacred yes, by and large. yes, but it is worth reading this story. now i won't tell it. this is such a rather long story, but still, let's touch on another topic that is very interesting. you already mentioned in passing that there is, let's say. so scam on scam. the so-called training educational programs that will make, what is your voucher golden, those so-called marathons, financial marathons, marathons of success, and happiness courses, that is, these are the very, as i say, elements of training with high expectations. what it is? how to tell the wheat from the chaff and, uh, how not to fall for the bait of scammers here,

because come on, i'll give a small example, and henry in his cycle was told to be a noble swindler. and jeff p. taker booth when i say to one another, look, you are deceiving people, you are selling them sand that does not ignite for a kerosene lamp for 5 dollars. you say you're just a crook, he says no for $5. i teach hostess be careful with the fire and clean her lamp twice a day gently, at least not with kerosene sand. that's what it is, how do you feel about education, to these here, uh, what is called peripheral, just an announcement that in just a week you will become a financial guru , earn money and so on. pay this much now and that's it. it will be back there on the second day. that's when there is this note. i entered or entered it and my life has changed until then. here, as soon as you turn on this method of social engineering has changed it's all a fake story. yes, and moreover,

everything is on the network, uh, templates. how to do the right click er, glue clickable yes forex they don't matter, pyramid machine rates, it's rented easily now has a wonderful story. do you want porsche there hotels? maybe moscow city, maybe some conditional necessarily glass, you open a laptop, not like mine, but with an apple. er, that means hours. i really do not understand why the modern world needs a clock. you have a watch , you have a watch. well, you're more of an alkskull person watches are mandatory of certain brands, and a suit. well, not yet from the belt , from which all this is removed, yes, and one note is definitely a very important note since then, as far as i need to write my life has changed, well , you can add a happy barbecue wife in the yard. uh, all that is another option is a very nice red car is definitely open

here you have the steering wheel. here is a laptop with financial success. here is a blonde, a successful success. yes, successful. that's when it all comes on and on. this note, subconsciously changed changed changed life changed guaranteed practically. it's a car, but come on. try, i'll try all the same, it's compressed into one specific advice, but dear viewers. remember that if this is really a diamond, if it is really valuable, good and correct training, then, as a rule, courses have already been recruited there - these are limit groups. and usually there is a big competition just to become a member. and then you find reviews, preferably independent ones, and not on the website of this company. and here's my advice what you said yes, all summaries. here, imagine yourself in the place of a person who has completed these courses and who wants to write a positive review. well, first of all, it is already in itself. yes, they put it there to write. here's a review. there people write much less than the negative here.