-Be informed. You can educate yourself about current known scams by visiting www.idtheftcenter.com or www.consumer.gov.

-Practice due diligence. Before making any purchase, find out if any complaints have been registered with the Better Business Bureau or the Attorney General’s office. While a clean complaint record is not a guarantee, it is a step in the right direction.

-Be wary of high pressure appeals. For example, be skeptical if someone thanks you for a pledge you don’t remember making. Legitimate companies should not intimidate you into making an on-the-spot donation or purchase.

-Be skeptical. If someone promises you an easy way to make fast cash, be wary. As the old saying goes, “if it’s too good to be true, it probably is.”

-Remember your budget. Even if a solicitation proves to be legitimate, ask yourself if it is really something you want. Remember, before they called you probably didn’t know you “needed” what they’re selling.

-Head them off at the pass. Ask telemarketers to put you on their “do not call” list. Under federal law, they are required to comply. If they continue to call you can sue them in small claims court for $500. For information on how to stop unsolicited email spam, review your state’s laws at www.spamlaws.com.