Scammers are busy at work right now trying to take your hard-earned money. These smooth-talking con men and women will call you up and scare you into sending them money or gift cards. One Strasburg resident lost $17,000 in the past week to a scammer who said he worked for Microsoft and that someone was trying to hack into her bank account.

What can you do to protect yourself?

The FBI recommends that we get educated about scams – become “crime smart.” The agency has a Scams and Safety website the lists fraud schemes at https://www.fbi.gov/scams-and-safety.

The list of scams runs the gamut from advance fee schemes, to credit card fraud, to fraud against seniors, to funeral and cemetery fraud to that old Nigerian letter fraud scheme.

Also, be skeptical – if something sounds too good to be true, don’t buy it and do not provide any kind of information about yourself, your family, your passwords or your bank accounts.

The FBI offers these tips for telemarketing fraud that can also be used in other types of scams:

• Don’t buy from an unfamiliar company. Legitimate businesses understand that you want more information about their company and are happy to comply.

• Always ask for and wait until you receive written material about any offer or charity. If you get brochures about costly investments, ask someone whose financial advice you trust to review them. But beware — not everything written down is true.

• Always check out unfamiliar companies with your local consumer protection agency, Better Business Bureau, state attorney general, the National Fraud Information Center, or other watchdog groups. However, not all bad businesses can be identified through these organizations.

• Obtain a salesperson’s name, business identity, telephone number, street address, mailing address, and business license number before you transact business. Some con artists give out false names, telephone numbers, addresses, and business license numbers—verify the accuracy of these items.

• Before you give money to a charity or make an investment, find out what percentage of the money is paid in commissions and what percentage actually goes to the charity or investment.

• Before you send money, ask yourself a simple question: “What guarantee do I really have that this solicitor will use my money in the manner we agreed upon?”

• Don’t pay in advance for services; pay only after they are delivered.

• Be wary of companies that want to send a messenger to your home to pick up money, claiming it is part of their service to you. In reality, they are taking your money without leaving any trace of who they are or where they can be reached.

• Always take your time making a decision. Legitimate companies won’t pressure you to make a snap decision.

• Don’t pay for a “free prize.” If a caller tells you the payment is for taxes, he or she is violating federal law.

• Before you receive your next sales pitch, decide what your limits are – the kinds of financial information you will and won’t give out on the telephone.

• Be sure to talk over big investments offered by telephone salespeople with a trusted friend, family member, or financial advisor. It is never rude to wait and think about an offer.

• Never respond to an offer you don’t understand thoroughly.

• Never send money or give out personal information such as credit card numbers and expiration dates, bank account numbers, dates of birth, or social security numbers to unfamiliar companies or unknown persons.

• Be aware that your personal information is often brokered to telemarketers through third parties.

• If you have been victimized once, be wary of persons who call offering to help you recover your losses for a fee paid in advance.

• If you have information about a fraud, report it to state, local, or federal law enforcement agencies.