Ways to avoid becoming a victim: • Don’t allow yourself to be pushed into a hurried decision. • Always request written information, by mail, about the product, service, investment, or charity and about the organization that’s offering it. • Don’t make any investment or purchase you don’t fully understand. • Ask with what state or federal agencies the firm is registered. • Check out the company or organization. • If an investment or major purchase is involved, request that information also be sent to your accountant, financial advisor, bank, or attorney for evaluation and an opinion. • Ask what recourse you would have if you make a purchase and aren’t satisfied. • Beware of testimonials that you may have no way of verifying. • Never provide personal financial information over the phone unless you are absolutely certain the caller has a bona fide need to know. • If necessary, hang up the phone. • If it sounds too good to be true, it probably is.