The Federal Trade Commission offers tips to help avoid scams.

If you hear a line that sounds like this, say "no, thank you," hang up, and file a complaint with the FTC:• You've been specially selected (for this offer).• You'll get a free bonus if you buy our product.• You've won one of five valuable prizes.• You've won big money in a foreign lottery.• This investment is low risk and provides a higher return than you can get anywhere else.• You have to make up your mind right away.• You trust me, right?• You don't need to check our company with anyone.• We'll just put the shipping and handling charges on your credit card.When you get a call, ask yourself:• Who is calling and why?• What's the hurry?• If it is free, why are they asking me to pay?• Why am I confirming my account information?