ÐÏà¡±á>þÿ <>þÿÿÿ;ÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿì¥Áq` ð¿ bjbjqPqP .::‚ ÿÿÿÿÿÿ¤l l l l l l l € DDD8|ˆ€ ¤'2¨¨¨¨¨¨¨¨#'%'%'%'%'%'%'$Ö(h>+ŒI'l é¨¨ééI'l l ¨¨^'³³³é l ¨l ¨#'³é#'³³Þ+$øl l '¨œpôÙ*j×ÆDó^#&(#'t'0¤'K&¸Ê+QÊ+P'Ê+l ' ¨hJ³Z<–S¨¨¨I'I'aR¨¨¨¤'éééé€ € € ÄD€ € € D€ € € l l l l l l ÿÿÿÿScams: How to Protect Your Money or Avoiding Investment Fraud -2006, Alberta Securities Commission, Calgary, Alberta, Canada Currently offered through the continuing education departments of two post-secondary institutions in Alberta. It is generally a 4 hour course broken into 2 hrs/ week for 2 weeks on a weekday night, or 4 hours on a Saturday. This course is designed to: Assist participants in developing a basic knowledge of the warning signs of fraud and how to make well-informed investment decisions in a non-promotional environment. (This course does not include investment advice or promote any financial advisors, products or companies). Examples and references to quotes and websites are used throughout the PowerPoint presentation. Additional books and handouts are also supplied to the students. This is an outline only as content is jurisdiction specific and slides are updated frequently. For more details on specific content, please email investored@seccom.ab.ca. Thank you. Course Outline: Introduction Goals and expectations for this class The Purpose of Investing Psychology and Fraud A Case Study in Fraud Warning Signs of Fraud Research, Planning and Goal Setting Investing and Speculating High-pressure Sales Affinity Fraud Advisors and Promoters Understanding Investment Opportunities Common Investment Scams Documentation Risk and Return Diversification Resources Review !%?~_ | éëû‚ ƒ … † ˆ ‰ ‹ Œ öîöæÛÏÆÛ¾·³«³«³«³«³jh¨7þUh¨7þh¨7þ5\h¨7þCJaJ0h¨7þ6CJ]h¨7þ56CJ\]h¨7þ6CJ]aJ0h¨7þCJaJ0h¨7þCJaJ0h¨7þ>*CJaJ0?~_ 2êëüý 0I^t‹¯ÉÝì * B P ` p ýýøóñøøýïïêåàààààààààààààà &F &F &F &F &F‚ ýýp z ‚ „ … ‡ ˆ Š ‹ Ž úúøøøøøøøøøøø &F ,1b°Ð/ °à=!° "° # $ %°°Ð°ÐÐ†œ<@ñÿ<NormalCJ_HmH sH tH 6@6 Heading 1 ¤ð@&<@"< Heading 2 &F ¤ð@&<@2< Heading 3 &F ¤ð@&<@B< Heading 4 &F ¤ð@&<@R< Heading 5 &F ¤ð@&<@b< Heading 6 &F ¤ð@&<@r< Heading 7 &F ¤ð@&<@‚< Heading 8 &F ¤ð@&< @’< Heading 9 &F ¤ð@&DAòÿ¡DDefault Paragraph FontVi@óÿ³VTable Normal :Vö4Ö4Ö laö(k@ôÿÁ(No List2B@ò2 Body Text¤ðPþOPIndent (Single),D1„Ð„Ð]„Ð^„ÐN@@NSignature,SL„°$dNÆÿ^„°4@"4Header ÆH$4 @24Footer ÆàÀ!PþOPIndent (Double),D2„ „ ]„ ^„ 6þOR6Notes &F¤´CJ4þOb4ASC Bullet 14þOar4ASC Bullet 24þOq‚4ASC Bullet 34þO’4ASC Bullet 44þO‘¢4ASC Bullet 54þO¡²4ASC Bullet 64þO±Â4ASC Bullet 74þOÁÒ4ASC Bullet 84þOÑâ4ASC Bullet 9ÿÿÿÿ?~_2êëüý 0I^t‹¯ÉÝì*BP`pz‚„…‡ˆŠ‹Ž‘0€€0€€€ 0€€€˜ 0€~€˜0€~€ 0€€€ 0€€€0€€€˜0€ê€˜0€ê€˜ 0€ê€˜ 0ýê€˜ 0€ê€˜ 0€ê€˜ 0€ê€˜ 0€ê€˜ 0€ê€˜ 0€ê€˜ 0€ê€˜ 0€ê€˜ 0€ê€˜ 0 €ê€˜ 0 €ê€˜ 0€ê€˜ 0€ê€˜ 0 €ê€˜ 0€ê€˜ 0€ê€Iˆ0€IÈ00šIˆ00šIÈ00šIˆ00šIÈ00šIˆ00šIÈ00šIˆ00šIˆ00´&š p ÿÿ|æ¬Ž}æ•~æ”•æT•€æ”æT–‚æ”“Feenwãã‘Mlu}}êê‘B*€urn:schemas-microsoft-com:office:smarttags€country-region€8*€urn:schemas-microsoft-com:office:smarttags€City€9*€urn:schemas-microsoft-com:office:smarttags€State€V*€urn:schemas-microsoft-com:office:smarttags€place€http://www.5iantlavalamp.com/ÄVx‘~ë‚‚„„……‡ˆŠ‹Ž‘3‘‚‚„„……‡ˆŠ‹Ž‘|ÿÿÿèâÿÿÿÿÿÿÿÿÿ}ÿÿÿN%^Ûÿÿÿÿÿÿÿÿÿ~ÿÿÿ"Èmÿÿÿÿÿÿÿÿÿÿÿÿ|s„iÿÿÿÿÿÿÿÿÿ€ÿÿÿ2NòÿÿÿÿÿÿÿÿÿÿÿÿòSÊWÿÿÿÿÿÿÿÿÿ‚ÿÿÿþÿÿÿÿÿÿÿÿÿƒÿÿÿÐ§¢ÿÿÿÿÿÿÿÿÿˆÿÿÿÜfÔÿÿÿÿÿÿÿÿÿ‰ÿÿÿÔdŽ ÿÿÿÿÿÿÿÿÿnPlÀÉÿÿÿÿÿÿÿÿÿÓ"&à‚Pÿÿÿÿÿÿÿÿÿ²t$Š{î0ÿÿÿÿÿÿÿÿÿizú1jd¡ÿÿÿÿÿÿÿÿÿ§?0h¼deÿÿÿÿÿÿÿÿfa‰q¬Èþ¶ÿÿÿÿÿÿÿÿÿ°Mâq) ÿ „„˜þÆ^„`„˜þ.„ „˜þÆ ^„ `„˜þ.„8„˜þÆ8^„8`„˜þ.„Ð„˜þÆÐ^„Ð`„˜þ.„„˜þÆ^„`„˜þOJQJo(·ð„ „˜þÆ ^„ `„˜þOJQJo(·ð„8„˜þÆ8^„8`„˜þOJQJo(·ð„Ð„˜þÆÐ^„Ð`„˜þOJQJo(·ð„h„˜þÆh^„h`„˜þ.„h„˜þÆh^„h`„˜þOJQJo(·ð„h„˜þÆh^„h`„˜þCJOJQJo(·ð€„ „˜þÆ ^„ `„˜þOJQJo(o€„p„˜þÆp^„p`„˜þOJQJo(§ð€„@„˜þÆ@^„@`„˜þOJQJo(·ð€„„˜þÆ^„`„˜þOJQJo(o€„à„˜þÆà^„à`„˜þOJQJo(§ð€„°„˜þÆ°^„°`„˜þOJQJo(·ð€„€„˜þÆ€^„€`„˜þOJQJo(o€„P„˜þÆP^„P`„˜þOJQJo(§ð „8„èüÆ8^„8`„èüo(. „ „˜þÆ ^„ `„˜þ.’ „p„LÿÆp^„p`„Lÿ. „@„˜þÆ@^„@`„˜þ. „„˜þÆ^„`„˜þ.’ „à„LÿÆà^„à`„Lÿ. „°„˜þÆ°^„°`„˜þ. „€„˜þÆ€^„€`„˜þ.’ „P„LÿÆP^„P`„Lÿ.„Ð„0ýÆÐ^„Ð`„0ýB*OJQJo(phÿ·ðÿ„„^„`„o(ÿ„„^„`„o(ÿ„„^„`„o(ÿ„„^„`„o(ÿ„„^„`„o(ÿ„„^„`„o(ÿ„„^„`„o(ÿ„„^„`„o(h„8„èüÆ8^„8`„èüo(.h„ „˜þÆ ^„ `„˜þCJOJQJo(·ð’h„p„LÿÆp^„p`„Lÿ.h„@„˜þÆ@^„@`„˜þ.h„„˜þÆ^„`„˜þ.’h„à„LÿÆà^„à`„Lÿ.h„°„˜þÆ°^„°`„˜þ.h„€„˜þÆ€^„€`„˜þ.’h„P„LÿÆP^„P`„Lÿ.„Ð„0ýÆÐ^„Ð`„0ýo(()€„ „˜þÆ ^„ `„˜þ.‚„p„LÿÆp^„p`„Lÿ.€„@„˜þÆ@^„@`„˜þ.€„„˜þÆ^„`„˜þ.‚„à„LÿÆà^„à`„Lÿ.€„°„˜þÆ°^„°`„˜þ.€„€„˜þÆ€^„€`„˜þ.‚„P„LÿÆP^„P`„Lÿ.„h„˜þÆh^„h`„˜þ)„Ð„˜þÆÐ^„Ð`„˜þ)„8„˜þÆ8^„8`„˜þ)„ „˜þÆ ^„ `„˜þ()„„˜þÆ^„`„˜þ()„p„˜þÆp^„p`„˜þ()„Ø „˜þÆØ ^„Ø `„˜þ.„@„˜þÆ@^„@`„˜þ.„¨„˜þÆ¨^„¨`„˜þ. „„^„`„ Chapter ÿ„„^„`„ÿ„„^„`„ÿ„„^„`„ÿ„„^„`„ÿ„„^„`„ÿ„„^„`„ÿ„„^„`„ÿ„„^„`„fa‰qfa‰qfa‰qfa‰qfa‰qfa‰qfa‰qfa‰qfa‰q°Mâq§?0h²t$‰ÿÿÿƒÿÿÿ‚ÿÿÿÿÿÿ€ÿÿÿˆÿÿÿÿÿÿ~ÿÿÿ}ÿÿÿ|ÿÿÿnizú1Ó"ÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿ¼œ| ¼ôØï ¼ôØïˆ—@ ¶,Ä± åæ-?¨7þÿ@€è²x`@ÿÿUnknownÿÿÿÿÿÿÿÿÿÿÿÿG‡z €ÿTimes New Roman5€Symbol3&‡z €ÿArial?5 ‡z €ÿCourier New;€Wingdings"qˆðÐh˜k©f˜k©fÒ° Ò° !ð ‚±‚€4d€€‡Îþv2ƒQðßßHXðÿ?äÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿæ-?2ÿÿChoosing a Financial AdvisorBRINTO_L Leonard AllenP þÿà…ŸòùOh«‘+'³Ù0”˜ÀÌàìø $0 P\ ht|„Œä Choosing a Financial AdvisorBRINTO_LNormal.dotLeonard Allen2Microsoft Office Word@FÃ#@È!*j×Æ@È!*j×ÆÒ°þÿÕÍÕœ.“—+,ù®0 hp˜ ¨°¸ÀÈÐ Øä Alberta Securities Commission €æChoosing a Financial AdvisorTitle þÿÿÿ þÿÿÿ !"#$%&'()*þÿÿÿ,-./012þÿÿÿ456789:þÿÿÿýÿÿÿ=þÿÿÿþÿÿÿþÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿRoot Entryÿÿÿÿÿÿÿÿ ÀFPjã*j×Æ?€Data ÿÿÿÿÿÿÿÿÿÿÿÿ1Tableÿÿÿÿ,WordDocumentÿÿÿÿ.SummaryInformation(ÿÿÿÿÿÿÿÿÿÿÿÿ+DocumentSummaryInformation8ÿÿÿÿÿÿÿÿ3CompObjÿÿÿÿÿÿÿÿÿÿÿÿqÿÿÿÿÿÿÿÿÿÿÿÿþÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿþÿ ÿÿÿÿ ÀFMicrosoft Office Word Document MSWordDocWord.Document.8ô9²q