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I don't know when you will be rich but according to various reports, articles and notable people, here are 365 ways to get rich!#1Sir John Templeton: “Invest at the point of maximum pessimism.”#2Don’t mistake a low P/E ratio for a value stock.#3Benjamin Graham: “Patience is the fund investor’s single most powerful ally.”#4Let your attorneys ride shotgun, but not in the driver’s seat.#5Remember Enron; reduce your employer’s company stock in your 401(k).#6Warren Buffett: “Rule No. 1 is never lose money. Rule No. 2 is never forget Rule No. 1!”#7Fund a Roth IRA if you’re eligible; your money grows tax free for retirement, and in an emergency you can take your contribution back without penalty.#8Barry Sternlicht: Pay attention to the big themes, because they are what will help you earn ten times your money.#9Back a friend or relative’s startup with a convertible loan, so you share in the upside.#10Use commodities as a hedge against inflation.#11Raise the deductibles on your auto and home insurance.#12Form family limited partnerships to transfer assets at a tax discount.#13Beat death taxes in 20 states by making big gifts while you’re alive.#14For simple federal tax-free wealth transfer, make $14,000 annual gifts to children and grandchildren. It won’t cut into your $5.25 million lifetime exemption from gift and estate taxes.#15Get tax advice before settling a lawsuit.#16Read Reminiscences of a Stock Operator by Edwin LeFèvre.#17To keep peace with both relatives and the IRS, document all family loans.#18Peter Lynch: “Never invest in any idea you can’t illustrate with a crayon.”#19View collecting as a hobby first and investment second; psychic returns can make up for a lower average return than in stocks.#20Add a personal items floater to your homeowner’s insurance to cover collectibles.#21When the bear charges, stand your ground.#22For protection from inflation and currency devaluation, buy the “gold you can eat”—farmland.#23Know your risk tolerance. Pick an asset allocation that lets you sleep at night, so you won’t panic and sell stocks at the bottom.#24Don’t keep too much in cash equivalents—over time, this “safe” investment barely keeps up with inflation.#25After setting an asset allocation, rebalance yearly; it forces you to take profits when stocks have surged and to buy more shares when they’re cheap.#26Benjamin Graham: “Adopt simple rules and stick to them.”#27Buy Bitcoin as a speculation or political statement, not a hedge.#28Be a tax-smart investor. Hold taxable bonds in a 401(k) or IRA. Put individual stocks in taxable accounts so you can sell losers to harvest tax losses.#29Pay attention to the IRS’ wash sale rule when harvesting capital losses.#30Don’t invest in a hedge fund unless its audited results are reported in compliance with Global Investment Performance Standards.#31Build an emergency fund outside your 401(k).#32For the biggest tax break when donating collectibles to charity, make sure they’ll be displayed and not sold.#33Put alternative investments like real estate (but never collectibles) in your IRA.#34Burton Malkiel: “All index funds are not created equal. Some have unconscionably high expenses.”#35Keep an eye on—but don’t obsess over—mutual fund fees and expenses.#36Even committed indexers should use actively managed funds to buy municipal and high-yield bonds and value stocks.#37Yield is nice, but total return is the metric that matters.#38Gold is overrated as an inflation hedge—historically, its price moves are unrelated to inflation.#39For inflation protection, buy floating-rate corporate bonds.#40Don’t let the mood swings of Mr. Market coax you into speculating.#41Beware affinity fraud; find God, not hot investments, at your church, synagogue or mosque.#42Sir John Templeton: “The four most dangerous words in investing are: ‘this time it’s different.’”#43Don’t put more than you can afford to lose into a crowdfunded deal; startups are always risky, and the new JOBS Act reduces both paperwork and investor protection.#44Don’t underrate the importance of liquidity.#45Use Quicken or a Web service to track all your finances and see your big picture.#46Use different passwords for each of your online financial accounts; add optional security questions whose answers can’t be found in your Facebook or LinkedIn profiles.#47Write down your passwords and hide them; tell one person where they are.#48Don’t fight demographics—allocate a portion of your portfolio to health care and biotech stocks.#49Diversify globally to boost your portfolio’s risk-adjusted performance.#50Benjamin Graham: “Speculation is neither illegal, immoral nor (for most people) fattening tothe pocketbook.”#51Cash in on companies with stealth dividends—meaning stock buybacks.#52Diversify, but don’t overdo it.#53Set investing rules for yourself that block impulsive decisions.#54Look beneath a fund’s name, with Morningstar’s Style Box and X-ray.#55Use software to track your asset allocation.#56Ask for a “brokerage window” in your 401(k)—an opening that allows you to invest in any mutual fund and even individual stocks.#57Bond laddering is good, but diversifying your income investments is important, too.#58Treasury Inflation-Protected Securities (TIPS) offer protection from inflation—not from rising interest rates.#59John Bogle: “Time is your friend. Impulse is your enemy.”#60Use salary increases to boost contributions to your 401(k).#62Defy conventional wisdom and increase your stock allocation after retirement.#63To make money in small-cap stocks, look for novel business methods and niches, not the next blockbuster drug.#64Don’t abdicate investment decisions to your spouse.#65Be suspicious—and investigate further—when a corporation changes its auditors.#66Carry a $2 million or bigger umbrella insurance policy to protect your wealth from liability suits.#67Warren Buffett: “Be fearful when others are greedy, and be greedy when others are fearful.”#68Invest to meet goals, not to beat indexes.#69Clarify your own objectives by writing an Investment Policy Statement.#70When you get restricted stock in a startup, make an 83(b) election; if the company takes off, you’ll save big on taxes.#71Consider your marriage tax penalty (or bonus) before setting a wedding date.#72Aim to have five times your salary in your 401(k) and IRAs by age 55 and eight times before you retire.#73Dan Ariely: “If you can’t save money, be really nice to your kids.”#74Put peer-to-peer loans in your portfolio using sites like The Leader in Peer to Peer Lending: Loans and Investing for monthly cash flow and yields of from 7% to 9%.#75Peter Lynch: “Go for a business that any idiot can run—because sooner or later, any idiot is probably going to run it.”#76Never take on a mortgage just for the tax deduction.#77Keep no more than $250,000 in any one bank.#78Buy an index fund weighted to fundamentals.#79Remain anonymous after winning the Powerball jackpot.#80Work for a charity for ten years and get your federal student debt forgiven.#81Beware personal finance gurus pitching products.#82The most successful investors spend many hours at it each day and have passion and patience. There are no shortcuts.#83Warren Buffett: “Diversification is protection against ignorance.”#84Like Captain Kirk, have advisors from different planets.#85Before funding college accounts make sure you’re saving enough in your retirement accounts.#86To avoid a tax penalty, tap IRAs, not 401(k)s, to pay college tuition.#87Borrow from grandma at 4% for grad school; Uncle Sam’s Graduate Plus loans go for 6.41%.#88Marry a billionaire, or perhaps even more rewarding, divorce one.#89When buying a luxury condo, ignore superfluous amenities like massage rooms and pet spas; they won’t contribute to resale value.#90Add commercial real estate to your portfolio.#91Wait for inflation to rise before buying TIPS.#92Howard Marks: “Rule number one: Most things will prove to be cyclical. Rule number two: Some of the greatest opportunities for gain and loss come when other people forget rule number one.”#93Before remarriage, discuss estate plans.#94Track gambling losses to offset taxable gambling winnings.#95Confess any tax crimes to a lawyer, not a CPA.#96Deduct your yacht loan as mortgage interest on a second home.#97Don’t do deals between yourself and your own IRA.#98Don’t roll your old 401(k) into an IRA if you might face a lawsuit.#99When creating a trust or family limited partnership for asset protection, don’t give it your own name or one obviously identified with you.#100Profit from stock market volatility: Buy into a VIX futures fund and use wild, seemingly irrational swings as buying opportunities.#101Gary Shilling: “The market can remain irrational longer than you can remain solvent.”#102Beware dividend traps—fat payouts supported by declining cash flow.#103Bet against weak currencies, like George Soros.#104Back up your financial records using a secure cloud service.#105Before investing in your own state’s 529, compare its fees and tax breaks to New York’s rock-bottom cost plan.#106Buy liens on homes of real estate tax deadbeats.#107Know thyself: Read books like Dan Ariely’s Predictably Irrational and Your Money & Your Brain by Jason Zweig.#108Learn a lesson from each stock-picking mistake.#109Julian Robertson: “Buy into forgotten markets.”#110Join an angel investing club.#111Keep your own entrepreneurial options open by refusing to sign onerous noncompete agreements.#112Buy stocks of companies still controlled by their billionaire founders.#113Leon Black: Do your homework, but still don’t bet the ranch.#114Louis Bacon: “As a speculator you must embrace disorder and chaos.”#115Almost all great value investors look for market anomalies or disconnects that they can exploit.#116Warren Buffett: “Big opportunities come infrequently. When it’s raining gold, reach for a bucket, not a thimble.”#117Always keep some investment powder dry.#118Allocate investments against your life risks.#119Andrew Tobias: “A penny saved is two (pretax) pennies earned.”#120Deduct losses from your sideline/hobby by bunching your expenses and showing a small profit in 3 of 5 years.#121Postpone real estate gains tax with a 1031 exchange.#122Qualify as a “real estate professional” to save big on taxes.#123Be leery of investments sold for tax savings.#124Burton Malkiel: “Start saving now, not later: Time is money.”#125Before making a big discretionary purchase, calculate future cost—what the dollars you’re spending could grow to if invested for 20 or 30 years.#126Read How to Make Money in Stocks by William J. O’Neil.#127Buy designer goods at consignment shops; when you get bored with them, sell for a profit on eBay.#128Discuss any prenuptial agreement way in advance of your wedding.#129Hell hath no fury. Never cheat on your taxes and your spouse at the same time—exes are a big source of IRS leads.#130Don’t buy a large amount of a thinly traded stock all at once.#131Buy and hold at your own risk.#133Don’t be afraid to buy into strength.#134It’s okay to chase performance—sometimes.#135Burton Malkiel: “In the stock market, past is not prologue.”#136Start a 529 college savings plan for yourself before you have children. If you don’t use it for graduate school, transfer it to your kid.#137Make your kid rich by helping him fund a Roth IRA.#138Deplete Junior’s UTMA—you can spend it on a laptop, camps, private school and tutoring—before applying for college financial aid.#139Reduce your student loan interest rate with auto debit.#140Julian Robertson: Suggest your kid take an accounting course—“It was the course that helped me more than anything.”#141Robert Shiller: “If you want to get rich, go into finance or a related field. Finance is the technology for making things happen.”#142Identify companies that gouge you yet keep your business. Buy them.#143Buy stocks like socks—good quality on sale.#144Buy into big ideas just like a global macro hedge fund for as little as $1,000 to start.#145Use limit orders when buying small-company stocks with low trading volume.#146Don’t leave it all in the dollar. Invest globally for currency diversification.#147Dollar-cost average the whole stock market.#148Buy companies with high ratios of gross profits-to-total assets.#149John Neff: “Buy on the cannons and sell on the trumpets.”#150Monitor your individual stocks; set a Google news alert and watch for signs of possible trouble.#151Bone up on “risk parity” diversification.#152Always know how a financial advisor is getting paid and what if any commissions she’ll earn.#153Watch out for paid shills at investment seminars.#154Ken Fisher: “You know who didn’t have bad years? Bernard Madoff—until he got caught.”#155Buy a retirement annuity cheap by delaying Social Security until 70.#156If you need to tap retirement cash early, study up on the exceptions that let you avoid a 10% penalty, including taking “substantially equal periodic payments.”#157Burton Malkiel: “Tune out the financial TV channels. Watch the cooking channel or the gardening channel if you want useful advice.”#158Warren Buffett: “Returns decrease as motion increases.’’#159Ron Baron: “Don’t waste your time short-selling. Show me the short-sellers’ yachts.”#160If you earn too much to contribute to a Roth IRA, fund a nondeductible IRA and convert it.#161If divorcing, get a “QDRO” from the court that allows you to split retirement assets without owing immediate tax.#162Claim the American Opportunity Tax Credit for your kid’s college—if you’re eligible.#163Don’t make multiple $9,900 bank deposits—the government might seize your money and keep it on the grounds you’re trying to skirt anti-money-laundering laws.#164Do a bond fund swap to harvest tax losses.#165Gain funding—and a market—on Kickstarter.#166Barry Ritholtz: “Never confuse investing with trading.”#167Don’t let the tax tail wag the investment dog.#168Hold illiquid assets in a Roth IRA, not a regular IRA.#169Be like Peter Thiel and put hot startup stock in a Roth IRA to make all gains tax free.#170Learn about your fiancé’s debts, before you walk down the aisle.#171Beware high-yield investments pitched as being like a bank CD.#172Watch out for stock hoaxes on Twitter.#173Be leery of pitches involving a self-directed IRA.#174Benjamin Graham: “It is absurd to think that the general public can ever make money out of market forecasts. For who will buy when the general public, at a given signal, rushes to sell out at a profit?”#175Avoid sudden lifestyle changes after a windfall.#176Automatically divert money from your paycheck into savings to the point where it hurts.#177Retire to a place without state estate or inheritance taxes.#178Benefit from 20/20 stock market hindsight by reversing a Roth conversion if stocks tank.#179Donald Trump: “Sometimes your best investments are the ones you don’t make.”#180Ben Stein: Don’t move into a neighborhood of poverty. Avoid any situation that could leave you with too much unsecured debt.#181Get an entrepreneur mentor from SCORE, an organization of retired business folks.#182Tap your ethnic community for business funding.#183To get the best effort and thinking from employees in your startup, give them stock options.#184Like Spanx’s Sara Blakely, solve an irritating problem.#185Larry Page: “It is often easier to make progress on mega-ambitious dreams. …Since no one else is crazy enough to do it, you have little competition.”#186Don’t blindly rely on a target date fund in your 401(k).#187Don’t let your advisor manage you.#188Don’t rely on regulators to protect you from financial fraud.#189Warren Buffett: “What is smart at one price is dumb at another.”#190With large-cap stocks, focus more on cash flow than earnings.#191Strong stocks tend to stay that way. Buy high and sell higher.#192Don’t let family wealth become a curse on your children.#193Start your kid at the bottom of your business.#194Read Common Stocks and Uncommon Profits by Philip A. Fisher.#195Buy a gift annuity from your alma mater.#196John Neff: “When you feel like bragging, it’s probably time to sell.”#197Mine your closet for eBay gold.#198Mine your network for investment ideas.#199Warren Buffett: “The risks of being out of the game are huge compared to the risks of being in it.”#200Sell put options like Warren Buffett does.#201Buy stocks when a magazine cover declares “The Death of Equities.”#202Don’t count on an inheritance. If you get one, don’t blow it.#203Leon Cooperman: “Getting rich takes hard work, a passion for what you do and luck.”#204If you win the Powerball jackpot, hire a tax advisor before making any decisions.#205Hunt down pensions from old employers.#206If you’re 50 or older, with substantial self-employment income, use a custom-designed defined benefit plan to shelter $100,000 a year or more from tax.#207Max out your 401(k) contributions: In 2014 you can contribute $17,500, or $23,000 if you’re 50-plus.#208If your marriage is shaky, make a copy of all financial documents.#209If your spouse is shady, file separate tax returns.#210Burton Malkiel: “Never buy anything from someone who is out of breath.”#211Know when to fire your financial advisor.#212Be skeptical of “principal protected” products—ask how much is guaranteed and at what cost.#213Be wary of companies that have gone public in reverse mergers.#214Low-priced stocks aren’t necessarily cheap.#215Make sure a stock’s dividends are less than its cash flow and likely to remain that way.#216Warren Buffett: “Risk comes from not knowing what you’re doing.”#217Beware unlisted REITs.#218Save remodeling receipts to add to your home’s basis and cut gains taxes when you sell.#219Buy no more house than you can afford.#220Don’t accept a high property tax assessment of your home—you can appeal andtalk it down.#221Don’t assume you should buy a house. Start by calculating rent-versus-buy costs for homes in your market.#222If you have no time for complexity, diversify your portfolio with just three mutual funds.#223Buy a deferred fixed annuity to make sure you don’t outlive your money.#224Build your own ersatz retirement annuity with savings bonds.#225Boost income with closed-end, covered call funds.#226Burton Malkiel: “Trust in time, rather than timing.”#227Delay retirement as long as you can.#228But don’t assume in your planning that you can work full-time until 70.#229Compare insurance costs before choosing a new car model.#230Then go shopping for that model at month’s end.#231To save even more, don’t own a car, share one.#232Hold actively managed mutual funds—the kind that pass on the most-short-term gains—in tax-deferred retirement accounts.#233Hold real estate in your IRA—but carefully.#234Don’t let the groupthink of investment clubs cloud rational investment analysis.#235Warren Buffett: “Diversification is a protection against ignorance.”#236Follow top money-manager moves. Even the great investors piggyback on other smart investors.#237David Dreman: “The time to buy is when there’s blood on the streets.”#238Beware superstar CEOs with weak boards.#239Compare benefits (including options) before switching jobs.#240Find out how your 401(k) rates at Financial Planning Advice, Find a Financial Advisor, and 401k Plan Ratings | BrightScope; if expenses are high or fund choices poor, lobby for a better plan.#241Don’t give Uncle Sam an interest-free loan; adjust your withholding so you don’t overpay your taxes.#242Even if you can’t pay, file your tax return.#243Take a cue from Mark Zuckerberg: Get maximum tax savings for your charitable buck by giving appreciated assets to a donor-advised fund or supporting organization.#244Read Market Wizards and The New Market Wizards by Jack D. Schwager.#245Warren Buffett: “Time is the friend of the wonderful business, the enemy of the mediocre.”#246Don’t chase yesterday’s winners unless they’re still winning.#247Purchase “own occupation” disability insurance.#248Remember that market underperformance—just like costs—compounds.#249Ramit Sethi: Set up systems to automate desired behaviors. Leave your gym clothes at the foot of your bed. Have contributions to savings automatically deducted.#250Open a spousal IRA for a stay-at-home husband or wife.#251If you work from home, get a rider on your homeowner’s insurance policy to protect you if the FedEx man slips.#252To maximize college aid, make Roth 401(k) contributions, not pretax ones, while your kids are in college.#253Like Warren Buffett, make concentrated bets in stocks that you have high confidence in.#254Live dangerously; invest your emergency fund instead of keeping it in cash.#255Barry Sternlicht: Study outliers rather than eliminate them. You can learn everything thereis to know about the industry or the player from the company that is performing better or worse.#256Don’t wait until expiration. Always look to buy back cheap options.#257Most stock market gains since 1950 have occurred in the November-Aprilperiod.#258Over the long run, small-cap stocks have outperformed big blue chips.#259Take only calculated risks on the smallest Pink Sheet stocks.#260Move inherited IRAs from trustee to trustee only.#261Name primary and contingent IRA beneficiaries so your heirs can enjoy the maximum years of tax deferral.#262Maximize your Social Security using a couples claiming strategy.#263Open all mail from the IRS.#264Don’t cheat the IRS and your business partner at the same time.#265Never ignore a 1099, even if it’s wrong—the IRS won’t.#266Don’t lie to your tax pro.#267After you hit 70, take the required minimum distributions (RMD) each year from your traditional IRAs or face near-confiscatory tax penalties.#268If you don’t need your RMD, consider rolling it directly to a charity.#269Sign a living will, health care proxy and power of attorney, even if you’re still healthy.#270Get a will. What happens to property if someone dies without one (intestate) varies by state and might not be what you would want.#272Warren Buffett: “No matter how serene today may be, tomorrow is always uncertain.”#273Insure your home for its replacement value; buy flood insurance if there’s a risk of water damage.#274Scan in your tax records, and keep a copy on the cloud or on an external drive at work; fires and floods happen.#275Keep business and personal expenses separate.#276Maintain at least some financial accounts separate from your spouse’s.#277Peter Lynch: “Know what you own and know why you own it.”#278Have your kid read The Little Book That Beats the Market by Joel Greenblatt.#279Don’t fall for cheap stocks that are really worth even less.#280Read the classic Where Are the Customers’ Yachts? by Fred Schwed Jr.#281Run from a pitchman “guaranteeing” high returns.#282Benjamin Graham: Speculate only with a separate small portion of your capital.#283Snitch on tax cheats and collect a multimillion-dollar IRS whistle-blower award.#284Learn what behavioral economists have found about self-destructive investor behavior—so you can try to avoid these common and expensive mistakes.#285Understand the risks of using leverage and inverse ETFs, which rebalance assets daily.#286Benjamin Graham: “Every nonprofessional who operates on margin … is ipso facto speculating.”#287Register for Medicare at 65, even if you’re still covered by your workplace insurance, to avoid having to pay a penalty later.#288Rob Arnott: “No strategy can make up for inadequate savings or premature retirement.”#289Start saving for retirement in your 20s to put the compounding winds at your back.#290Use the Rule of 72: Divide your expected percentage return into 72 to figure how long it will take you to double your money.#291Never sell a stock that keeps on rising in price.#292Warren Buffett: “When we own portions of outstanding businesses with outstanding managements, our favorite holding period is forever.”#293Ben Franklin: “An investment in knowledge pays the best interest.”#294Use ETFs to be your own international fund manager.#295Don’t try to impose your ego on the market.#296Set up 10% trailing stop-loss orders to avoid unexpected nosedives in your portfolio.#297Barry Sternlicht: You have to be willing to change your mind. If you are a stubborn mule, you’ll get killed.#298Read Warren Buffett’s favorite book, Benjamin Graham’s Intelligent Investor.#299Be a vulture investor: Buy distressed bonds at pennies on the dollar like Marty Whitman and David Tepper.#300Pay attention to moving averages. When the 20- or 50-day average crosses below the 200-day average it’s bearish.#301Monitor the level of fear in the market with the CBOE put/call ratio and theVIX.#302Get tax help if you’ve got incentive stock options—they carry tax benefits but also a nasty alternative minimum tax trap.#303Pay public school tuition for your overachieving teen by getting steep discounts at great private colleges.#304Don’t treat your 401(k) as a piggy bank; you’ll regret it come retirement.#305Read Money Masters of Our Time by John Train.#306Never buy anything from a cold-calling broker.#307Be alert for the signs that a bubble is forming.#308Use sentiment indicators as contrarian tools.#309Don’t confuse correlation with causation in markets.#310Small-cap stocks with lower price-to-book values tend to outperform.#311Tap an IRA—not a 401(k)—without penalty for a first-time home purchase.#312Leave the dollars in a Health Savings Account growing tax free for retirement while you cover medical deductibles and copays from your current income.#313Use a “flight path” approach to asset allocation, raising your exposure to stocks as you become a more confident investor.#314Know your sell rules before you buy.#315Read letters of great investors such as Warren Buffett and Jeremy Grantham online.#316Become an online stock researcher.#317Beware of asset protection scams.#318When stuck paying AMT, accelerate some income.#319Rent out your vacation home for two weeks a year, tax free.#320Most people don’t need a whole life policy; buy a 20-year level-premium life insurance policy before your first child is born.#321Warren Buffett: “You only find out who is swimming naked when the tide goes out.”#322Save $40,000 or more by sending your overachiever to community college and then have her transfer to a top public university or the Ivy League.#323Save on a master’s—for yourself or kids—by earning it in Britain in one year.#324Have your eldest child take a gap year before college so that more than one child is in school at the same time—you’ll get more financial aid.#325Rothify—Roth conversions make sense in more cases than most people realize.#326Time 401(k) contributions to make sure you grab your full employer match.#327Factor your individual health and life expectancy into your decision on when to take Social Security.#328Use an online calculator to help you determine the best strategy to maximize your Social Security benefits.#329Put junk bond funds in tax-deferred accounts.#330If your spouse dies, file an estate tax return to preserve his $5.25 million estate/gift tax exemption (rising to $5.34 million in 2014) for your own use later.#331Buy master limited partnerships late in life to avoid their tax drawbacks.#332Only buy closed-end funds trading at discounts to net asset value.#333Invest in businesses with sustainable competitive advantages.#334Don’t fight the tape.#335Remember, three out of four stocks follow the market’s overall trend.#337Spend 25% less than you make—it will give you flexibility to pursue the big opportunity.#338Bruce Greenwald: To get really rich, copy the hedge fund, private equity and VC masters and “get your hands on somebody else’s money.”#339Warren Buffett: “Investors should remember that excitement and expenses are their enemies.”#340Watch out for high fees hidden in some tax-sheltered products like 529s and variable annuities.#341Protect your assets before there’s a claim against you; after-the-fact moves can backfire.#342Check your advisor’s ADV at www.sec.gov.#343Remember Bernie Madoff: Make sure your investment advisor keeps your money in an account with an independent custodian.#344Gary Shilling: Don’t try to reinvent the wheel. Instead, intelligently and efficiently apply what is already well known.#345Warren Buffett: “You don’t have to make money back the same way you lost it.”#346When selling a business, plan ahead and you may be able to save big on tax.#347Retire to a place where jobs are plentiful.#348Factor taxes into your retirement income strategy.#349Take $500,000 per couple in gains on the sale of your home, tax free.#350Don’t be afraid to deduct a legitimate home office—you can now claim up to $1,500 a year, with minimal recordkeeping.#351Review the assumptions an ex-employer has made in calculating your pension. Mistakes aren’t unusual.#352Keep 5% of your portfolio in gold.#353Own gold through ETFs like GLD.#354When pundits declare the death of “buy-and-hold” it could well be the sign of a market bottom.#355Warren Buffett: “It’s optimism that is the enemy of the rational buyer.”#356Burton Malkiel: “ ‘Efficient markets’ does not mean that the price of every security at every moment in time is correct.”#357Look for undiscovered stocks with market caps between $1 billion and $10 billion.#358Understand how the businesses you invest in make money.#359If the short sellers are swarming around your stock, investigate the bears’ thesis.#360When company insiders buy, you should, too.#361Benjamin Graham: Those who want “freedom from concern” must accept lower returns.#362Warren Buffett: It is “far better to buy a wonderful business at a fair price than to buy a fair business at a wonderful price.”#363Burton Malkiel: “Avoid the temptation to follow the herd.”#364Steve Jobs: “Your time is limited, so don’t waste it living someone else’s life.”#365Plan.I hope this helps.

Do banking institutions have a good handle on the things they need to remediate and new control layers they need to adopt to keep users secure?To answer those questions, Accenture and NowSecure have performed vulnerability assessments of customer-facing mobile banking apps of 15 banking institutions in the North American market.They have tested the iOS and Android app versions of each of these banks, and found that every app they tested had at least one security issue.“Of the 465 tests completed for banking apps running on Android, 44 or nine percent had low security issues; 48 or 10 percent had medium security issues; and 10 or two percent had high level security issues. For banking apps running on iOS, a total of 315 tests indicated 24 or eight percent low level security issues; 13 or four percent with medium level issues; and none with high level issues,” they noted.Security risksAmong the security risks identified were:World-writable files (i.e. other apps can have write access to the files)Broken SSL check / sensitive data in transit (i.e. unencrypted communications). Curiously enough, none of the tested iOS apps had this problemWritable executables – a failing that can be combined with other issues and lead to additional app vulnerabilities, including remote code execution ones.Lack of obfuscation of the app source code, allowing for easy reverse-engineering (some 60% of the tested Android banking apps are guilty of this)Weak SecureRandom implementationDynamic code loadingInappropriately set “HttpOnly” flag (to prevent XSS attacks)Inappropriately set “Secure” flag (to prevent the sending of cookies over insecure channels)TLS traffic with sensitive data (80% of tested iOS banking apps had sensitive values intercepted while proxying SSL and Transport Layer Security (TLS) app communications (i.e. username, password, GPS coordinates, etc.)Lack of app transport security (60% of tested iOS banking apps had ATS globally disabled, which allows a connection regardless of HTTP or HTTPS configuration, connection to servers with lower TLS versions and a connection using cipher suites that do not support forward secrecy).Based on this and other historical app security assessments, the researchers have concluded that banking institutions have been proactive when it came to remediating well-known critical security issues such as Heartbleed, MITM exposure and others, but less so in regards to the above noted security risks.Many of the institutions have also introduced multi-factor authentication for online banking (a good step), but chose to leverage SMS technology to deliver authentication codes (inherently insecure choice).Top security risks identified in vulnerability assessmentTips for mitigating mobile banking security risksThe researchers have flagged insecure communication as the biggest risk.Security around the transfer of data across communication channels is a challenge for developers, they noted, pointing out that developers are placing too much confidence in secure end-user behavior and back-end server-side communications.“Development teams should strive to embed security within the end-to-end mobile SDLC (Systems Development Life Cycle), with proper security governance and oversight supported by recurring developer training and awareness and testing,” the concluded.“Organizations should also have a strategy for performing regular vulnerability and/or configuration assessments, complemented by penetration testing, app fuzzing, and source code reviews, to obtain a comprehensive understanding of the mobile security environment across the entire mobile deployment stack.”As on-www.helpnetsecurity.com

QNET is a fraud company facing some serious fraud litigations in many countries of the world.It is known to have robbed many poor people of their life time savings and pushing some of them to the verge of suicide. The independent representative (IRs) who contact you try to paint a picture that their life is awesome and all is pure bullshit they themselves are the victims of this fraud and want to compensate for their loss by robbing you.Following is an excerpt from Wikipedia about this fraud company :Qnet has faced controversies since soon after its founding.[62]It has faced litigation in many countries and hundreds of IRs working for it and/or its many subsidiaries have been arrested.Gold coinsGoldQuest marketed a gold coin at a 100% premium over similar coins. The President of the Madras Coin Society warned that the Goldquest coin was neither a period coin nor it was from an authorized body.[63]Australian politician Cameron Thompson, the Nepalese Home Ministry, the Sri Lankan Central Bank, and the Iranian Government described GoldQuest as a pyramid scheme. In 2002, the Australian Office of Consumer and Business Affairs listed the company as one of 61 alleged pyramid schemes.[64][65]The Fatwa council at Dar al-Ifta al-Misriyyah declared that the binary form of transaction adopted by Qnet is prohibited under Sharia law.[66]2003In 2003, Indian police arrested two QI group senior managers in Chennai and froze the company bank account after receiving complaints from more than 50 of its members. In Philippines, the Department of Trade and Industry issued a cease and desist order after a complaint from a member. In Cambodia Goldquest organized the launch of Ankor Wat commemorative coins among 500 young Khmers who had paid $5 to attend and pick up a starter kit to help them sell. Managing Director, Richard Zinkiewicz, insisted that Questnet was not a pyramid scheme, because customers were never obligated to sell products and the product had real value. He said that the coins' high value was because they are limited edition collectibles. Eswaran claimed that the opportunities offered by QI could change members' lives.[52][67]Royal Monetary Authority of Bhutan asserted that GoldQuest was a pyramid scheme.[68][69]Nepal banned the company from operating there in 2003, while Bahadur Manandhar, chief of the foreign exchange department of the Nepal Rastra Bank, said GoldQuest was "a hundred percent fraud".[70]Sri Lanka banned GoldQuest in 2005, claiming that the company had caused 15 million dollars to leave the country.[41][43][71][72]In 2005, Iran banned GoldQuest, after prosecutors found that company activities had "led to the exit half of a billion dollars from Iran".[73]India declared both Goldquest and Questnet to be Ponzi scheme companies.[74][75][76][77]2007In 2007, APLI, the direct selling Association of Indonesia, called GoldQuest a pyramid scheme.[78]Interpol arrested Eswaran and other company officials for fraud.[79]Qnet responded that the allegation was unfounded.[80]After three weeks, Indonesian courts released Eswaran and dismissed the charges soon afterward.[12]Qnet continued to operate there.[81]2008In 2008, around 3,000 people marched on the presidential palace in Kabul to demonstrate against the temporary withdrawal of QuestNet's license to operate. The business launched with around 600 IRs in 2006 and had expanded to 21,000 when the government temporarily withdrew the license to enable it to write operating laws.[82]2009Rwanda banned QuestNet in 2009 for legal violations after The National Bank of Rwanda described the company as a pyramid scheme.[83][84]Questnet appealed and was granted relief on condition that it follow the country's laws.[38][85][86]That year Sudan banned QuestNet after allegations were made relating to poor product quality and the non-receipt of products.[87][88]The same year, Syria shut down QuestNet for violating its commercial registration, stating that the company had operated a pyramid scheme and withdrawn billions of Syrian pounds from the country, while paying few taxes.[89]The shutdown applied to all company agencies.[90]2010In 2010 Questnet opened in Turkey with 150 distributors. Police subsequently charged 42 of them with gaining an unfair advantage.[91]In 2011, the country investigated Qnet.[92]The Trade Minister warned citizens against such structures, claiming that 96 percent of members. About 20 million dollars were collected from the public.[93]75 people were taken into custody in Qnet offices. They were accused of contacting unemployed young people. New members paid $570-$1750 to join. A commission for each new member started at US$250. Members sold Chinese goods such as watches, necklaces.[94]In 2011, QI Group resumed operations in Turkey with the acquisition of the Dögan Hotel in Antalya.[95][96]Eleven members were taken into custody for questioning.[97]The Mardin Security Directorate arrested 12 people including a leader from Iran working QuestNet's Titan Happiness chain. About 110 thousand pounds of cash were reported to have been seized. They continued operating as Qnet after QuestNet was suspended.[98]53 people working for Questnet were detained in Ankara, Çorum, Antalya and Istanbul. An investigation was initiated against Eswaran. 30 thousand members lost money in a 50 million dollar fraud when the Turkey leg of the network collapsed.[99][100]2010–2012Egypt, Saudi Arabia, Indonesia and India accused Qnet of operating a product-based pyramid scheme.[101][102][103][104]Dar al-Ifta issued Qnet a fatwā in 2012 stating Qnet's business in Egypt is haram (forbidden under Islamic law).[105][106]In 2010 Saudi Arabia banned Qnet, accusing the company of theft, falsification, and failure to register, while warning citizens to avoid involvement in fraudulent schemes, mentioning Qnet specifically.[107][108]Iran announced the arrest 30 of Goldquest members on charges of defrauding people of more than 5 trillion rials. Goldquest had been banned in 2005.[109]Thirteen Qnet members in Tehran were arrested.[110]GoldQuest disputed Iran's findings, claiming that their Iranian operations were simply network marketing.[111]Journalist Donald Frazier said in 2012 that the charges against Qnet "tend to originate in apocryphal, anonymous or debunked sources".[112]2013In May 2013, Salma Sabahi, daughter of politician and Egyptian Presidential candidate Hamdeen Sabahi was accused of fraud for her involvement with Global Ad Mart. During the prior two years she doubled the size of her network, selling counterfeit watches and energy bracelets.[113][114][115]In August 2013, India made its first arrest in a case that began in 2008.[116]Members were arrested for cheating. Investigations reached Bangalore and Chennai. Six of Qnet's bank accounts were frozen.[117][118]A case of money laundering was registered against Qnet, its franchise Vihaan Direct Selling, and a few others.[119]About 200 members of PT Qnet Indonesia alleged fraud. Losses were estimated to be between Rp 7 million – Rp 10 million per person.[120]Kazakhstan banned Qnet.[121]2014In Philippines Goldquest failed to submit its annual report for the years 1999–2000, 2002–2003, 2007–2013 and 2009–12, as required by the Corporation code and had its license revoked.[122]In June 2014, Chairman of the Fatwa Commission of the Indonesian Ulema Council (MUI) Riau province, appealed to citizens to avoid the business.[123]In June, 2014, Tajikistan newspaper 'Jumhuriyat attacked Qnet as a dangerous financial pyramid.[124][125]The company claimed the accusations were false.[126]In September, Qnet sued private radio station and journalist Orzu Isoyev to protect its reputation after the station called the company the next pyramid.[127]Religious leaders stated that the company's activities violated Sharia law. This was because the activity involved deceiving people and because the work combined two transactions into one, in that the member must make a purchase and at also agree to find new buyers. In addition, the member can make profits at someone else's expense.[128]In India the key accused in Chennai was arrested.[129]In 2014, Mumbai police froze the bank account of Danesh Irani after it was alleged that he had received lakhs of rupees. In February 2014, the Managing Director Pushpam Appalanaidu of Questnet India was arrested on 21 cases of cheating.[130]Lookout notices against Eswaran and his business associates Dev Wadhwani and Sachin Gupta were issued.[131][132][133][134]Qnet claimed that Wadhwani and Gupta were independent representatives and not employed by the company at any of their offices.[135]Qnet advocated for the regulation of Indian multilevel marketing companies and for banning pyramid schemes.[26][136][137]The Qnet office in Bangalore was shuttered. The bank account belonging to a PR firm dealing with Qnet was frozen.[138]A radio announcer who had held training sessions to attract investors to Qnet was arrested in Mumbai.[139][140]In October 2014, Mumbai Economic Offenses Wing sent notices to Café Coffee Day to not allow Qnet representatives to hold meetings at their outlets.[141]In 2014 the Economic Offences Wing (EOW) of the Mumbai Police filed a First Information Report against Qnet and its Indian subsidiary Vihaan and barred them from holding workshops and training sessions.[142][142][143]2014–2015Three independent representatives of Qnet were arrested in January 2015.[144]In March two senior Qnet IRs were arrested.[145]Four Qnet associates were arrested at Vijayawada. Fifteen lakh were seized.[146]In July the Mumbai Police started a probe into an alleged deal with Wizcraft International Entertainment Pvt. Ltd that linked the International Indian Film Academy Awards and Qnet.[147]In Mali Qnet was accused of tricking people to join Qnet, even though most lost money.[148]In Russia Quest International had an annual turnover of 1.65 billion pounds. To join Qnet IR's had to buy 60,000 roubles worth of company products and then recruit two others who do the same. For every two recruits, the recruiter receives $250. Only 14% of those in the pyramid got their 60,000 rubles.[149]The company partnered with former professional tennis player Martina Hingis in September 2015 and announced her as a Brand Ambassador.[150][151]Qnet announced the liquidation of its office in Tajikistan on March 18, 2015, continuing its activities through a local company amidst accusations.[152]2016In March Mumbai police issued summons to a top official of FC Goa to inquire about their sponsorship by Qnet.[153][154]In June 2016 Delhi moved against Vihaan Direct Selling and three independent representatives for fraudulently operating a MLM scheme.[155]Hyderabad police arrested four Qnet associates in September. Mumbai Police recovered 144 crore by freezing bank accounts.[156]After a three-year probe, they filed a 55,000-page charge sheet against Vihaan directors and shareholders, which was Qnet's master franchise in India.[157][158]The Securities and Exchange Board of India advised victims to file complaints with appropriate authorities.[159][160]The Federation of Direct Selling Association rejected Vihaan's application, stating that Vihaan was in the recruitment business rather than retailing. It claimed that recruiting revenues were so large because recruiting rather than selling was the focus.[161]In April 2014, Baku, Azerbaijan opened a criminal fraud case against Questnet. In 2012 and 2013, Questnet employees had taken money totaling more than 27 thousand Azerbaijani manat from 16 residents.[162]In December 2016, two Questnet employees were sentenced to eight years in prison for defrauding some 15 citizens of over $65,000.[163][164]In Moldova, a once-closed fraud case was reopened based on numerous complaints.[165]Hundreds of Moldovans, eager to get rich overnight, went bankrupt after they were convinced by friends and relatives to join Qnet. They were promised thousands of Euros per week, but had to first buy at least $2000 of goods from the company. The newcomersfurther had to convince two more people to buy $2000 from Qnet to get a commission of $250.[166]An IR in Dédougou, Burkina Faso was prosecuted for fraud totaling 390,000 West African CFA franc of membership fees.[167]Hundreds of complaints were received. Each IR paid 450,000 CFA as member fees. Project officials were arrested and detained in Ziniare Prison and Correction Center.[168]Young people in Damascus were recruited by friends to join and pay the membership fee. They are given products to sell and taught to recruit others. Recruiters earn $200 for each pair of recruits.[169]Sri Lanka shut down Goldquest and QI. They were replaced by Global Lifestyle Lanka Ltd. Managing Director Selvarajan Wijayaratnam, Eswaran's brother-in-law and several board members were summoned. A former defence official was probed for allegedly receiving money to prevent Eswaran's arrest.[170][171][172][173][174][175][176][177]In Jaffna thousands of people protested for refunds.[178]A court there issued an interim injunction. The magistrate ordered a public awareness campaign and instructed Gram Sevakas to conduct awareness meetings.[179]2017In Saudi Arabia, network marketing was banned after complaints about companies including Tvi and Qnet.[180]Many Georgians took credits from commercial banks to buy Qnet products ranging from $500-$3,000 and claimed that they were defrauded.[181]The Central Investigation Bureau of Nepal in June, arrested 102 Qnet IRs on fraud charges. Some IRs received had as much as Rs 1 million.[182][183][184]The Jijel province of Algeria dismantled Qnet's network, alleging that recruits were promised trips abroad.[185]15 women suspected to belong to Qnet were arrested in Annaba State.[186]In Mostaganem three IRs were arrested.[187]Indonesia included Qnet on its list of bogus companies.[188][189][190][191]Four Qnet IRs were arrested for the murder of a Go Car driver.[192][193]Qnet claimed that the company was not involved.[194]In July 2017, at least 19 teenagers who had joined Qnet were evacuated from a shelter in Simo Boyolali Indonesia and returned to their parents.[195][196][197]They had been attempting to sell worthless products such as Chakra for Rp 8 million.[198]Similar cases of alleged fraud occurred in Sambi district.[199][200]Police raided a rented house in Tray district, finding 20 men and 4 women. Two of their leaders were questioned by the police.[201][202]In Jambi City detained 48 Qnet members for disturbing neighbors.[203]Dozens of youth were recruited in Kartosuro Sukoharjo Regency.[204]In Maharashtra a Court stated that Qnet operations were not legal.[205]In February Delhi High Court, dismissed a petition to quash aFirst Information Report describing Qnet as a scam.[206]In March forty-seven IRs were arrested and multiple bank accounts were frozen.[207]In April the Enforcement Directorate provisionally seized Qnet properties worth over 150 crore.[208][209]In May, the Economic Offences Wing Mumbai announced that a unit would be formed to compensate Qnet investors pending a court order.[210]IRs were arrested in Kerala,[211][212]Thiruvananthapuram,[213]Meerut[214]and Kochi.[215]Complaints were lodged in Hyderabad, Madhapur[216]and Mumbai.[217]In February, 2017 the Karnataka High Court quashed criminal proceedings against QNet executive Naresh Balasubramaniam in a cybercrime case over alleged fraud.[218]In March, 2017 the Supreme Court of India stayed further proceedings in all the 19 FIR's filed against Qnet and its stake holders across the country and granted bail to Michael Ferreira, former world champion in billiards, and another official of the firm's India franchise in a cheating case.[219]In Fardis Iran eight Qnet IRs were arrested for counterfeiting and fraud.[220][221]France 24 television investigated Questnet.[222]More than 100 youth from Togo were taken hostage under the banner of Qnet in Côte d'Ivoire.[223]Four Qnet IRs were arrested for allegedly recruiting 580 youth in Kumasi Ghana. The recruits were asked to pay 3,100 Ghanaian Cedi.[224][225]In Sri Lanka three Qnet-related schemes were investigated. The company was ordered to stop its activities.[226]2018Latvia television reported that QN Europe was a pyramid scheme.[227]The Ministry of Economy of Lebanon warned the public about Qnet.[228]In Mail following a violent protest, 10 IRs were arrested for fraud.[229][230][231]New members paid 400 to 6,000,000 CFA.[232][233]Malian spiritual guide, Chérif Ousmane Madani Haïdara stated that none of Qnet's medical products, had any effect and denied involvement with them.[234]In Indonesia, Qnet operated in Boyolali, Simo, Banyudono, Mojosongo, Andong and Ngemplak, and in Teras District.[235][236]Three IRs in Lamongan reported losses of Rp 76 million to investment company Pt Amoeba International that used the Qnet logo.[237]Action was taken against Qnet in Chennai,[238]Andhra Pradesh,[239][240]Nagpur,[241][242]Mumbai,[243][244]Maharashtra,[245]Karnataka[246][247][248][249][250][251]and Kanchipuram.[252]In Guinea, action was taken against Qnet in Labe[253][254][255]and Dixinn.[256][257]In Saudi Arabia Qnet IRs were arrested in Mecca,[258][259]Riyadh[260][261]and Najran.[262][263][264]In Ivory Coast Qnet IRs were arrested in San-Pédro.[265][266][267]Complaints led Turkey to list Qnet as one of 19 pyramid companies.[268][269]The Georgia Qnet office is managed by parliamentarian Eka Beselia's family.[270][271]Thousands of people who joined the Qnet network lost money invested in the company.[272]The Fatwa Committee of Kurdistan Iraq, issued a statement denouncing the activity of Qnet as haram.[273][274]In Senegal Qnet recruited 108,000 members charging between 500 and 700 dollars. The official who issued document of official recognition to Qnet was arrested.[275][276]In Ghana Qnet claimed that its network employs 10,000 people who earn between 1000-10000 dollars per month.[277]In Gambia IRs were arrested.[278]In Kazakhstan Qnet was accused of making false promises.[279]2019In India Qnet faced legal action and/or arrests in Kukatpally,[280]Cyberabad,[281][282][283][284][285][286][287][288]Bangalore,[289][290][291][292][293]Hyderabad,[294]Goa,[295]Rajasthan,[296]Telangana[297]and Powai.[298]Cyberabad police began investigation of the suicide of a former techie owing to alleged losses suffered after investing Indian Rupee 25 Lakh in Qnet Ponzi scheme. He had enrolled six members and was under extreme pressure to enroll more members, his family claimed.[299][300]The police have written to several investigating agencies including Reserve Bank of India, Enforcement Directorate, Income Tax Department, Serious Fraud Investigation Office, Registrar of Companies, India about how the firm was running Ponzi schemes and have created thousands of investors across the country.[301]A man in Chennai committed suicide after being tricked to invest INR 8 Lakhs in Qnet multi level marketing company by his cousin.[302]A software engineer in Navi Mumbai allegedly committed suicide although his brother refuted his friends claims that he was depressed following losses from an investment of INR 2.5 Lakhs in Qnet.[303][304]The Registrar of Companies in Karnataka had inspected the books of Vihaan Direct Selling Pvt Ltd, a franchise of QNet, and based upon the report, it had filed winding up petition before the National Company Law Tribunal.[305]Ministry of Corporate Affairs official communication stated that Lookout circulars were issued against 12 persons associated with the company as directors or promoters.[306]70 people were arrested and 38 cases registered against the company in different police stations.[307]People in Odisha had registered a complaint with the Economic Offences Wing against QNet for allegedly cheating them of lakhs of rupees.[308]A former member of QNet who launched his own multi-level marketing firm after he lost 13 lakhs rupees in QNet scheme was arrested by Cyberabad police for running a money circulation scheme.[309][310]Three persons in Kerala were arrested by Payyanur police after complaint was filed by a person who was asked to invest in the company.[311]In Indonesia, in Malang in separate incidents, police rescued individuals allegedly held captive by Qnet personnel.[312][313][314]Six youths claimed to be victims of QNet multi level marketing business who were promised of job placement with a salary of Rp 3 million per week but first had to deposit an initial capital of Rp 9.5 million per week to join QNet. They revealed that they were taught to recruit at least two downlines in order to reap profits but the money paid to join cannot be withdrawn later.[315][315]Lumajang Police arrested the director of PT Amoeba International affiliated with PT QNet for running business as a money game system using the pyramid mechanism. New members who joined Qnet were required to find two new members in which each left and right leg of the pyramid will continue to branch off.[316][317][318]Lumajang Police Chief explained that in a pyramid scheme, even if there are goods, actual sale of goods is just a cover. Almost 87 percent people lose their money, which is why it is prohibited in many countries.[319][320]Thousands of people along with dozens of victims of QNet pyramid scheme descended on the roads to support the police chief and the cobra team to investigate the fraud.[321][322]Channel 31 (Kazakhstan) reported that in Karaganda region one person had to undergo treatment after joining Qnet.[323]In Conakry, Guinea, 100 people were arrested for involvement with Qnet.[324]In Sierra Leone investigations of Qnet were demanded by IRs claiming they had been defrauded.[325]In Senegal a dozen IRs were arrested along with two company executives.[326][327]In a public press conference, the Director, National Agency of Financial Investigations in Chad declared Qnet as a criminal enterprise and asked the public to remain vigilant. The pyramid scheme had extorted 91 million Central African CFA franc from vulnerable groups in over 4 years.[328][329]Over 100 people from Togo became victim to a big scam called Qnet. They were told by friends that they found jobs in Ghana with a monthly salary of 300,000 CFA franc but were instead made to pay 500,000 CFA franc for training. The victims without knowing the name of the company, sold things, mobilized the money and went into debt, only realizing later that they have joined Qnet against their will.[330][331]213 nationals belonging to Mali were found to be victims of a scam network in Abidjan in Ivory Coast where each Malian had paid the sum of 3,00,000 to 20,00,000 CFA franc.[332][333][334]In Ghana about 50 foreigners who were employees of Qnet, were deported for not having resident permits.[335][336]Police in Alborz Province of Iran arrested 13 members of the pyramid company Qnet who were recruiting people where each invested 200 million Iranian rial. They were later sent to prison.Source: Qnet - Wikipedia