Scam artists offer a wide array of "get-rich-quick" and self-employment schemes that target consumers who are looking for an investment opportunity, part-time employment, or the chance to start a home-based business.

If you’re tempted to respond to an opportunity to make a lot of money fast...

• Be skeptical about "get-rich-quick" advertising claims.

• Ask companies for written substantiation for claims in their presentations, especially those about success rates.

• Be aware that "experts" who endorse a product often are paid by the advertiser.

• Be cautious about "testimonials." They may be paid for. They may not reflect the experience of most consumers.

• Be wary of purchasing a program if company representatives give you evasive answers or aren't willing to answer your questions at all.

• Before you buy, decide whether the price reflects a fair market value.

• Be wary of promises of free money or low-interest government loans. As a rule, these are available only in limited circumstances.

• Don’t be pressured to purchase immediately. Good opportunities are not sold through high pressure tactics.

• Before you buy, ask about the company’s qualifying requirements and refund policy.

• Check out the company with your local consumer protection agency, Better Business Bureau, and state Attorney Generals office. They may be able to tell you if any unresolved consumer complaints are on file.

Investor Alert (from the North American Securities Administrators Association)