• 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, banker, 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 checking out. They may involve nothing more than someone being paid a fee to speak well of a product or service.

• Don't provide personal financial information (credit card numbers, bank account information, etc.) over the phone unless you are absolutely certain the caller has a bona fide need to know.

• If necessary, hang up.