• Remember, nothing in legal transactions must be secret.

• Don't be forced to act in desperation.

• Keep records.

• Choose those you depend on wisely — family, friends, businesses, agencies. Create backstops.

• Use caution when disclosing personal information. You always have time.

• Don't let your courtesy make you a victim.

• Beware of salespeople who prey on your fears.

• Don't let con artists in your home — by doorbell, phone or the computer. Don't judge by their appearance or professional demeanor.

• Ask questions.

• Complete an Advance Bank Order, a form for seniors that tells banks to contact a specified person about suspicious account activities.

• Don't be afraid to be demanding and difficult. You are entitled to information. Verify responses. Check licenses and credentials. You have time.

• If you suspect fraud, contact police or an attorney.

SOURCES: Area Agency on Aging, North American Securities Administrators Association, Coalition of Wisconsin Aging Groups; State of Wisconsin; the National Committee for the Prevention of Elder Abuse