It's not always easy to spot a "con artist".  They are very smart, extremely persuasive, and aggressive.  They invade your home through the telephone, computer and mail; advertise in well-known newspapers and magazines; and come to your door.  They are well mannered, friendly, and helpful --- at first.

Most people think they are too smart to fall for a scam.  But con artists rob all kinds of people - from investment counselors and doctors to teenagers and senior citizens  - of billions of dollars every year.  Cons, scams, and frauds disproportionately victimiize seniors with false promises of miracle cures, financial security, and luxury prizes.

One easy rule to remember:   If it sounds too good to be true, it probably is.

You Can Protect Yourself:

• Never give a caller your credit card, phone card, Social Security number, or bank account number over the phone.  It is illegal for telemarketers to ask for these numbers to verify a prize or gift.
• Beware of 900 numbers. Remember, if you call a 900 number to claim a "prize" you end up paying for the call. Make sure you understand all charges before making the call.
• Take your time and shop around.  Don't let an aggressive con artist pressure you into making an immediate decision.  Demand information in writing my mail.  Get a second opinion.  Ask your family, friends, and neighbours what they think about certain offers.
• Stay informed about current scams in your area.  Contact your attorney general's office, district attorney's office, the Better Business Bureau, or local consumer affairs office for more information.
• Remember, you have the right, the ability, and the power to say NO!  If the caller on the other end of the phone make you wary, be assertive and end the conversation.  Cons know that the longer they keep you on the phone, the higher their change of success.  They often prey on the trusting, polite nature of many people or on their excitement over getting a "supposed prize or bargain".  By saying no and hanging up the phone, you can prevent a crime from taking place.

If Someone Rips You Off: 

• Report con games to the police, your city or state consumer protection office, district attorney's office, or a consumer advocacy group.  Don't be embarrassed.  Some very, very astute people have been taken in by these professionals!

Call the National Fraud Information Center at 800-876-7060, or visit their Web site at www.fraud.org for current fraud alerts.

* Check for part two soon!  Thank you.