AVOID SCAMS

1.  Do not talk to telemarketers.

• Use an answering machine.  Telemarketers usually won't leave a message.

• Get Caller I.D.  Only answer calls from phone numbers you recognize.

• Hang up if there is a long hesitation before someone responds.  Telemarketers make several calls at a time and usually talk to the first person who answers.

• If you are not interested, hang up.

2.  If you do talk to them, trust your instincts.

• Never give out personal information.

  • Credit Cards

  • Bank ID numbers

  • Drivers License numbers

  • Social Security numbers

• It's illegal for telemarketers to ask for this information.

• Get any offer in writing.  If it sounds too good to be true it probably is.

• Don't be pressured.

PROTECT YOURSELF

• Repair Work

  • Only contact well-established, reputable repairmen / companies.

  • Never allow a repair person to fix anything without your approval.

  • Get estimates and referrals.

  • Follow-up on references.

  • Have someone you trust look over the agreement.

DON'T BE FOOLED

• Follow up on any unpaid bills accrued by a deceased spouse.  They may not be real.

• Be leery of "official looking" ads or sweepstakes that you receive in the mail.

• If your Social Security number is on your driver's license or checks, have it removed.

• Avoid having bank debit cards.  Stealing from them is easy.

• Avoid calling 900 numbers.  They are not toll free and there are usually hidden fees.