The Oprah Winfrey Show
Protecting Yourself

Elaine Kolish, Federal Trade Commission Elaine Kolish of the Federal Trade Commission says that the struggling economy is making people more vulnerable to scams. Trust your instincts. "If you feel something is a little fishy, check it out," Elaine says. She also suggests the following preventative measures.

Work-at-Home Red Flags
Elaine says work-at-home offers can sound appealing, but be skeptical of a company that's overly eager to sign you on.
Money-back guarantees can often be scams.
You can usually tell if a company is legitimate by its references. Start by calling the Better Business Bureau (BBB) first to see if a company has had complaints.
If you find a clean record from the BBB, keep doing your research. Visit www.ftc.gov for dozens of suggestions and pamphlets on how to protect yourself.

Job-Seeking Schemes
Be skeptical of employment firms that charge upfront money.
When you get a cold call from an employment agency, question the motive.
Check with your state's Attorney General to see if the business is properly licensed.

Online Auction Scams
Escrow transactions are usually a safe way to protect buyers and sellers; however, scam artists use the anonymity of the Internet to their advantage and invent false companies.
Never take a seller's word about an escrow company. Research escrow companies carefully yourself and get references.
If the company claims to be government-endorsed, that's a lie. The government does not endorse escrow companies.

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From the show Have You Been Scammed?
Watch AFTER THE SHOW
  What does it feel like to be scammed out of $5,000? People who've lived through it give heartfelt confessions and advice.  
 Find out more 
RELATED LINKS
Quiz: Can you smell a scam?
Write the perfect complaint letter.
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