What is the Purpose of the Securities and Exchange Commission?

What is the Purpose of the Securities and Exchange Commission?

One of the best asset classes to invest in is stocks. This is basically a unit of ownership of a company. Stocks are a wonderful investment because they generate a regular income and often appreciate in value over time. Before making an investment in stocks, consumers usually spend a lot of time analyzing the financial position of a company, changes in its share price over the years, dividend payouts, and integrity of the management among other things.

They also look at profit projections of a company before making a decision. This means that if a company provides wrong information, stock prices can be affected. For instance, the management of a company that is going under may give unreasonably high profit projections to push up prices before selling all their shares. This means that anyone who buys the stock will lose all their money as stock prices will crumble after news of the company going under becomes public. The SEC was established in 1934, in the aftermath of the 1929 stock market crash that wiped out investor funds. The commission is responsible for ensuring that there is fairness and integrity in the stock market.

What is the Purpose of the Securities and Exchange Commission?

The SEC has five main responsibilities. These are:

  • Interpreting and enforcing federal securities laws
  • Overseeing the inspection of firms that deal in securities, such as investment advisers, brokers, and ratings agencies among others
  • Overseeing private regulatory bodies in the accounting securities, and auditing fields
  • Issuing new rules and amending existing rules
  • Coordinating regulation of securities in the U.S. with state, federal and foreign authorities.

The main goal of the SEC is to protect investors. Another goal is to maintain orderly, fair and efficient markets. The commission is also tasked with facilitating capital formation. Basically, the SEC is there to ensure that publicly traded companies provide the public with truthful information about their business and securities they are offering. The commission also ensures that brokers, exchanges and dealers act in the best interest of the investor.

Main Areas of Enforcement

Insider trading is without a doubt the main area of enforcement for the SEC. Another area of enforcement is accounting fraud. Misleading or false investment information is also another key area of enforcement. That said, the SEC has oversight roles over mutual funds, securities exchanges, investment advisers, securities brokers and dealers.

Structure of the SEC

The SEC has 5 commissioners who are normally appointed by the president. Of the 5 commissioners, only three can belong to the same political party. The president usually appoints one of the 5 commissioners to serve as the chairman of the SEC. The commissioners are usually in office for 5-year terms. Anyone can contact the SEC directly, but discreetly to provide information about insider trading or any inappropriate dealings. They will be protected as whistleblowers.


  1. https://www.sec.gov/Article/whatwedo.html
  2. https://www.huffingtonpost.com/entry/the-securities-and-exchange-commission-an-overview_us_58949c09e4b061551b3dfda2

Is Surrogate Motherhood for You?

If you’re looking for a way to help others, and you are a woman who can conceive and carry a baby, becoming a surrogate may be a good option for you.

Choosing surrogacy is not an easy decision. You’ll need to decide which form of surrogacy makes sense for you, meet a number of requirements in order to become an eligible surrogate mother, and prepare for the emotional aspects associated with surrogacy. Below, we discuss these aspects of surrogacy in further detail so that you can determine whether or not surrogate motherhood is right for you.

Types of Surrogacy Arrangements

When preparing for surrogacy, you’ll need to learn about the different types of surrogacy arrangements that are available to you. There are two forms of surrogacy, traditional surrogacy and gestational surrogacy.

In a traditional surrogacy arrangement, the surrogate mother will be the biological parent of the baby, as her own egg is used in intrauterine insemination with the sperm of either a donor or the intended father. This form of surrogacy can be a great option as it is much more cost effective and there are fewer medical procedures.

Gestational surrogacy involves in vitro fertilization. The surrogate mother is implanted with a fertilized embryo of either the intended parents or donor egg and sperm. Though gestational surrogacy is much more expensive than a traditional surrogacy arrangement, many intended parents will choose this option when they want to be the biological parents of their child.

As can be seen, there are many pros and cons to both forms of surrogacy. If you have additional questions, you can reach out to your surrogacy counselor for more information.

Qualifying to Become a Surrogate

In order to become a surrogate, you’ll need to meet very specific criteria. These requirements are put in place to ensure both your safety, as the surrogate mother, and that of the baby you’ll be carrying. To begin, you should have already had one uncomplicated, healthy pregnancy, labor and delivery. This demonstrates that your body can carry and deliver a child. Other qualifications include:

  • Being free of sexually transmitted infections
  • Not taking any anti-depressants or anti-anxiety drugs
  • Having a Body Mass Index of less than 30
  • Be between the ages of 21 and 45
  • Be willing to undergo extensive mental health evaluations
  • Abstaining from smoking and illicit drug use

Also, you should expect to follow a healthy diet, have your own transportation to and from your prenatal appointments, and not receive any government assistance benefits. This is because your base compensation rate may render you ineligible for such benefits.

There are many other requirements that you may need to meet. Your surrogacy counselor will address these in your first appointment.

The Emotional Path of Surrogacy

Ohe of the most important questions you must ask yourself before deciding to move forward with a surrogacy agreement is- “Am I prepared to carry someone else’s child?”.

Though it’s very easy to say you won’t develop an emotional attachment to the baby you carried, it is not uncommon for surrogates to feel as though the baby is theirs, when in fact, the baby is the child of the intended parents.

For surrogates who have an emotional attachment to the baby, parting ways can be devastating and in some cases, traumatic. You need to be 100% certain that you are prepared to carry the baby, go through labor and delivery, and then step aside and let the baby’s rightful parents raise him or her.

This question of emotional attachment will come up in your mental health evaluations. You can also discuss them with your surrogacy counselor.

Contact a Reputable Surrogacy Agency

If after reviewing the details provided above you believe that surrogate motherhood is the path for you, reach out to a legitimate surrogacy service who can match you with a family who has been longing for a child of their own. Your surrogacy counselor can answer any further questions you might have about your upcoming surrogacy journey.

Car Accidents Caused by Passengers

One of the most difficult situations that can happen when you’ve been injured in a car crash is when your accident was caused by the passenger in your vehicle. It happens more often than you might think.

Perhaps your passenger was distracting you in some way, or moved in a way that impacted your line of sight. In any case, when passengers cause car accidents, it can put you in an uncomfortable position, as you may need to take time off work to focus on your recovery and incur substantial damages due to their irresponsible actions.

You do have the option of pursuing a personal injury claim against them that will allow you to recover compensation for your losses. These types of cases need to be handled with sensitivity, which is why working with a compassionate personal injury lawyer is in your best interest.

Dealing with the Insurance Company

As part of your claim, you may need to negotiate with your insurance company and your passenger’s insurance provider to obtain the settlement you deserve. It’s important that you be prepared for the insurance company to attempt to make it appear as though you hold more culpability for the cause of the accident than you do.

This is often done so they can minimize the amount they’ll be required to pay you. Your attorney can handle these negotiations on your behalf so that you aren’t take advantage of by a money-hungry insurance adjuster.

Damages You Should Include in Your Claim

Despite the fact that your claim is going to be against the passenger in your vehicle, who is a close friend or family member, you are still entitled to recovery every single loss you endured. Some of the most often sought types of damages that should be considered when computing the value of your claim include:

  • Medical expenses
  • Pain and suffering
  • Loss of enjoyment of life
  • Property damages
  • Loss of companionship and love
  • Emotional distress
  • Lost wages
  • Damage to your potential future earnings
  • Loss of household services
  • Inconvenience

There are a number of other losses that may be included in your claim on a case by case basis. It’s difficult to say just how much you’ll be awarded, but it stands to reasons that the more impactful your injuries have been on your life, the greater your award will be. It will be up to your attorney to ensure that no loss goes unaccounted for.

Contact a Well-Trained Personal Injury Lawyer

At the end of the day, when your passenger has been negligent and caused you to be injured in an auto wreck, they should be held accountable for their actions. Your best option to obtain the compensation you deserve is to sue them for personal injury damages you suffered.

A qualified attorney can handle your case with care so that no further damage is done to the relationship between you and your passenger when your claim is brought to civil court.

Is Traffic Law Important to Society?

Drivers often ask themselves “Is traffic law important to society?” After all, what is the purpose of obeying speed limits and running red lights if no one is around to see the infraction? The answer is yes. Traffic laws protect everyone on the road, drivers, passengers and pedestrians.

Excessive speed can be very dangerous. The higher your speed is the greater the forces that you exert on your vehicle. It’s easier to lose control at higher speeds, which can lead to severe accidents involving extensive damage, serious injuries and even death.

Traffic laws are part of the orderly regulation that a society needs in order to prosper. Without such essential laws, chaos would occur. Without traffic laws, it would be impossible to travel in motorized vehicles, especially in heavily populated urban areas. It’s not enough just to know how to operate a motor vehicle. Drivers must have a thorough understanding of general traffic laws and the laws of their local area, which is why all driver education courses include a rules of the road component to teach drivers the importance of obeying all traffic laws.

Not all traffic laws are explicit. For example, drivers are sometimes cited for driving too fast for conditions, even though they are driving at or below the posted speed limit. Weather conditions such as snow, sleet, ice and heavy rain. Vehicles are also required to have working safety equipment such as working headlights, taillights and turn signals. Good brakes are another requirement. Other safety requirements include wearing seatbelts. Many states have instituted bans on operating cells phones while driving. All of these rules involve safety but they are also part of an orderly society.

One of the most serious infractions involves driving under the influence of alcohol or drugs, as offenders often cause severe accidents. Punishing repeat offenders with jail time is one of the ways that menaces to society can be taken off the streets so they are not a threat to others.

Regulations involving traffic also exist, in part, to provide an orderly manner for motorists to accomplish their daily commutes. Enforcement of these rules is often not an easy job, which is why fines and punishments are handed out for infractions. Drivers may find traffic laws irritating and may secretly believe that they don’t have to obey them. Fines and punishments act as a deterrent to breaking traffic laws. These are some of the things of which drivers must be aware, especially if they find themselves going to traffic court.

Perhaps the biggest reason that most people obey traffic laws is that they feel it is their moral duty to do so. Most people feel conflicted when they break traffic laws because they know that obeying them is simply the right thing to do. Inherently, people know that traffic laws exist for the good of everyone, making them important to society.






Traits to Look for in a Top Lawyer

If you were just injured in an accident that was caused by the negligent actions of someone else, you may be considering filing a personal injury claim against them. Doing so will enable you to both bring them to justice for their irresponsible choices and obtain compensation for the losses you endured.

When you want to get the most out of your claim, you should always reach out to an experienced attorney. But how do you know if the lawyer you’re interested in hiring is going to be able to win your case?

The short answer is, you don’t. Every case has at least some chance of resulting in an unfavorable outcome, but there are certain characteristics you can look for when you want a top lawyer to represent your case.

High-Quality Education

One of the most important traits a top lawyer will have is a high-quality education. You’ll want to work with an attorney who took their schooling seriously and went to an accredited institution where every aspect of tort law was covered.

You won’t be able to tell just by looking at your lawyer what their education credentials are, but you will be able to ask them about where they went to school during your free consultation.

Most firms representing claimants who’ve suffered critical injuries will offer their prospective client this opportunity. During your meeting, you can treat it like an interview for your attorney. Only a top lawyer will take the time to answer these questions you have.

Experienced in Tort Law

Although the attorney you’re considering may have the education requirements you’re looking for, you don’t want to work with a lawyer who is fresh out of college. Although they have passed their boards and graduated, they won’t have experience in Court.

Your top lawyer should have at a minimum 5+ years of experience in investigating the cause of your accident, gathering evidence, establishing liability, quantifying your damages, presenting them in Court and winning.

Compassionate and Aggressive

Your lawyer could have the education and experience you’re looking for, but all of that won’t mean a thing if you don’t have an attorney who is both compassionate and aggressive.

Your top lawyer should have an understanding nature and be sympathetic in regards to what you’re going through, while still being able to fight aggressively in negotiations with the insurance company and in Court to achieve maximum compensation for your suffering.

During your initial consultation, you should feel comfortable asking your attorney “How will you fight for me?”. If they don’t have an answer that makes you feel empowered, they aren’t the attorney for you.

Choose Your Attorney with Care

It may seem like an easy decision, but in all actuality, you want to do everything you can to win your claim against the liable party and choosing the right attorney for you is an important decision.

Top lawyers will have a combination of high-quality education, experience, compassion and aggressiveness in the Courtroom. Consider all of these characteristics and how they apply to your potential lawyer before you move forward with hiring them.

The Change in the Function of Law in Modern Society

The Change in the Function of Law in Modern Society

How do you see law in modern society? In a way, we view law differently to what we did 50 and 60 years ago, even ten years ago. Modern society has really changed our view of laws and it has absolutely impacted the way people use and view laws. However, how has modern society change the function of laws and will it impact your life? In a way, we will all be impacted by changes to laws and with modern society. Read on to find out more.

Laws Are Fast Changing

Within the last 40 or 50 years, changes in the function of law have impacted today’s modern society. You might not have thought too much about those changes and yet they can be useful for a lot of reasons. What’s more, modern society has impacted the way the laws function and the truth is that the law is fast changing and it is very interesting. It’s fantastic and really something that more and more are looking to each and every year. The law is important but there will be constant changes and it will continue to change as times change.

Modern Society Will Impact How We See Laws and How We Use Them

In a modern world, people will view laws very differently and will start using them in a different manner. Does that mean to say there will be more crimes? Well, in a way, there might be slightly more crimes but that doesn’t mean to say without changes there wouldn’t be any crimes. Crimes are still going to occur and more will find themselves on the wrong side of the law. Modern society is really unpredictable and that’s what’s so unusual. There will be constant changes and we are going to use and view laws differently.

Why Laws Have to Change?

What you do have to remember is that, while some laws are relevant, many are a bit old and outdated. Laws have to change simply because they are not always functioning within today’s society. Having a law that offers no function in today’s society is useless and that will cause a lot of issues for those running into these laws. You have to remember, there are laws which are fantastic and still work for today’s society but then there are others which have no real function within society. That is why laws have to change and why there needs to be fast changes to the laws too. It’s a necessity for today’s life.

Living with Changes

Within the last few years, society has changed. Society has become more modern and more modern laws have come into practice and it seems as though more will look at these changes. Yes, it’s exciting to see these changes but it’s also important. Living with changes to laws in a modern society can be really important but also they will change the way we live too. Modern society is changing the face of law and it’s very interesting to see how the changes impact us.

Law Enforcement in Democratic Society

Law Enforcement in Democratic Society

People are not always convinced law enforcement in a democratic society is any better than law enforcement in dictatorship states. In a way, there have been times when police and other officials have been caught being too heavy-handed and have given the public a lot to think about. You cannot blame people for looking closely at law enforcement within society today as sometimes it is in the spotlight and not for the best of reasons either.

How Much Force Can Law Enforcement Use within a Democratic Society?

There is a reasonable limit in terms of how much force a police officer or a law enforcement official is able to use. For instance, when someone is resisting arrest or being a danger to the public by brandishing a weapon, they can use the force of pepper sprays and even stun guns to subdue them. However, there is a limit to what force they can use. For instance, if someone is unarmed but being mouthy, a police officer doesn’t have the right to use deadly force if they are not in danger. A democratic society has these rules to help keep people safe.

Can Modern Law Enforcement Really Deliver What It Promises?              

A democratic society is not like a dictatorship, it’s different and yet, people are not always happy with a police state and how law enforcement works. Some might say our police are more withdrawn than what other dictatorship states are because they are more heavy-handed but others wouldn’t agree. In truth, law and the roles of police and many other law personnel are seen in a different light by a number of people. There are some who say democracy doesn’t really make law enforcement personnel better and others who say the opposite. Again, it comes down to certain examples and what we observe as we view life. Sometimes, modern enforcement officials are not delivering what they promise.

Moving Forward

In a way, a democratic society has changed the face of law enforcement. Law enforcement within a democratic society is very different from other societies that aren’t run in a democratic state. However, what will happen within the next few years is a process of moving on, moving forward and finding a way to incorporate older enforcement with newer and more modern techniques. The way we view police right now is different from how we viewed them a few years ago and yet they play a vital role in today’s society.

Times will Change

To be honest, the way law enforcement personnel works today, will be different in ten years. There will be changes ahead and there are already so many people pressing forward for change. You cannot blame people for wanting change as it can be a vital part of the system to keep people safe. Yes, there are some law enforcement branches that are great and are without fault but many are not and those are the branches which must be changed. A democratic society cannot function without good law enforcement but there are limits to what that is.

Crime and Justice in Society

Crime and Justice in Society

Crime and justice—we need them but there are times when society doesn’t quite play fair with them. Society today is very different from what it was ten or 15 years ago and, at times, crime and justice within society is viewed with a very different view than what others would do. The truth is, these two things are not what we view them as and there are some who find they are not always equal.

They Can Be Blurred

Sometimes we blur the lines between crime and justice. We can sometimes believe what we do is right and think the justice system will agree with us but that is not always the case. Society doesn’t look at everyone with the same view. Society judges what we see or hear rather than wait until the evidence is presented. Is that fair? It’s not overly fair but it does happen and more and more face this each and every day. Right now, there are people who blur the edges between crime, justice and society. It’s not ideal but it does happen and that is the real problem at hand.

Not all Criminals Are Punished Appropriately

Society does play a part in how someone is punished for a crime they commit. For instance, if society is very much behind the person accused, there can be some sway when it comes to punishment. For example, a celebrity can be accused of drink driving but because of public outcry and support their punishment can be different from someone who isn’t a celebrity and is sent to jail. Is that fair? Well it’s not but that is the way the crime and justice system in society works today. Not all criminals and crimes are punished equally or, at times, appropriately.

Society Wants Change in the Justice System

When two people are charged with the same crime but one gets a far lighter sentence than the other, there is outcry. Why are people treated differently for the same crime? Yes, circumstances may be different but does that really mean one deserves more than another? If a murder is committed, should someone be allowed to serve only three years while another is serving 30? That is a real sticking point for society today and that’s why more people want a change to the justice system. Crime and justice are two elements of life but if they are not working in harmony, it’s troublesome. More balance in crime and the justice system is needed. More details here: https://edition.cnn.com/2015/11/03/opinions/jones-four-fixes-criminal-justice/index.html

Society Is Changing Justice and Crimes

Crimes have been changed because of society and while that might sound strange, it’s true. Society has really changed the way crimes are committed and there are newer crimes which are overtaking the more popular crimes. It’s the same with justice and the justice system; society has been responsible for changing it all and it’s really great. However, not all changes are for the best. Society is forever changing and that will also change the way crimes are committed and how the justice system runs to.