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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, October 1, 2015 | 30 White-collar crime regulators far more aggressive in U.S. than Canada: Anand continued from p.29 foundation of our economy. The second objective of white-collar-crime legislation is to protect the investor. You are the investor and you need protection. According to Anand, white-collar crime can be hard to prove, so enforcement of the law can be problematic, resulting in few convictions. If the criminal is caught and convicted, the next concern is with the light penalties they receive. To me, that seems like an environment that favours and encourages whitecollar crime. The obvious question is what can be done? Anand said American regulators are far more aggressive at combating whitecollar crime than we are in Canada. She discussed some of the solutions that could be put in place to better protect Canadians. Hopefully, improvements will be made, but in the meantime, you could still be at risk. Our advice to investors is to be aware that white-collar crime exists and to be careful to guard against it. Yes, there are certain laws to protect you, however, each and every one of us has a responsibility to be diligent. There are many ways your money can be stolen. Remember a few years ago when the well-respected American hedge fund manager Bernie Madoff stole more than $50 billion from clients in a bogus Ponzi scheme? We have had similar crimes in Canada. A Ponzi scheme is theft. A fraudulent investing scam promising returns too good to be true. Money taken from some investor acLobby Anita Anand | photo by Janet Bedford counts to pay other investors a high and false return. This works as long as new capital comes in and if few people redeem their funds. Design Simply put, it is a house of Suite cards that eventually collapses and can cost investors their life savings. White-collar crime can be anything from an elaborate Ponzi scheme to false emails or telephone calls requesting you to send money. Your Lobby own diligence and good judgement is essential to protect yourself. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner OCCUPANCY FALL 2015 Outdoor Patio Suite Design There is a sensational selection of suites and views that are still The available! views will Outdoor Patio Front Entrance View South · Breathtaking views overlooking the Grand River opportunity will not! 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